Payment Channels and Digital Finance | Innovations for Poverty Action

Technology, particularly the growth of digital finance, is rapidly transforming and growing the suite of financial services accessible by the poor. An important challenge is to ensure (and measure) that the financial services and products accessed by the poor benefit them by helping them manage shocks and invest in their future. IPA is investigating the effects that new financial products and payment channels have on the lives and financial well-being of the poor.

Publication

Nudges for Financial Health: Global Evidence for Improved Product Design

Despite good intentions, people often make less-than-optimal financial choices. In this series, we match insights from our global research in behavioral economics with specific financial service...

Study

The Impact of Smartcard Electronic Transfers on Public Distribution

Advances in payments technology have the potential to improve the efficiency of slow and corrupt public welfare programs.

Study

The Real Effects of Electronic Wage Payments in Bangladesh

Can employers help unbanked individuals enter the formal financial sector by offering their employees electronic wage payments?

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Leveraging Government Transfers to Offer Low-Risk Microcredit in the Dominican Republic	The Impact of Smartcard Electronic Transfers on Public Distribution
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Delivering Conditional Cash Transfers Through Checking and Savings Accounts	The Real Effects of Electronic Wage Payments in Bangladesh
The Impact of Secured Transactions Reform on Access to Capital for Small and Medium Enterprises in Colombia	Marketing Effects in a Consumer Credit Market in South Africa
Financial Inclusion for the Rural Poor Using Agent Networks	The Impact of Formal Savings on Salaried Workers’ Spending and Borrowing in Eastern Ghana
The Role of Mobile Banking in Expanding Trade Credit and Business Development in Kenya	Incentives to Save in Ghana

Women’s Economic Empowerment Through Financial Inclusion	Nudges for Financial Health: Global Evidence for Improved Product Design
The Power of Doing Nothing	, Beyond the Classroom: Evidence on New Directions in Financial Education
Building State Capacity: Evidence from Biometric Smartcards in India	General Equilibrium Effects of (Improving) Public Employment Programs: Experimental Evidence from India
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Mobile-izing Savings with Automatic Contributions: Experimental Evidence on Dynamic Inconsistency and the Default Effect in Afghanistan	Building Evidence on Financial Capability
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Who’s the Boss: Standing Up for the End User of Digital Payments	Market vendor in Uganda receiving a mobile money payment CREDIT: Will Boase Testing products, scaling solutions: A call for new research to advance digital financial services in the developing world
CREDIT: Jan Chipchase Mobile-izing Savings with Defaults in Afghanistan	CREDIT: Tugela Rid Three Experts Look into the Future of Digital Finance
CREDIT: Deba Prasad Roy How will you do digital finance right?	Gates Foundation Grand Challenges in Financial Inclusion
Making Change on a Mobile Handset	What do you get when a Visa exec comes to an IPA conference? It’ll bust your paradigm shift right out of the box.
Mobile Money and Giving After Natural Disasters	Consider the Debit Card
USAID announces grant for IPA Evaluation in Kenya	CREDIT: Deepti KC Sending Money Home to Mum and Dad

CREDIT: Megan Kearns Paying Farmers Not to Cut Down Trees in Uganda Helps Fight Climate Change, New Study Shows	Leading Global Experts Prioritize Key Measures to Optimize Digital Finance for World’s Poorest People
Impacting Women’s Lives through Digital Payments	New $7.4 million Grant Will Support Research for Financial Inclusion
The Guardian Sustainable Business: How should we gauge the success of poverty interventions?	Malawi Business Times on how to help farmers save more
The Economist on commitment savings for the poor	Microfinance launches into new frontiers

Webinar: Women's Economic Empowerment through Financial Inclusion	Evidence in Financial Inclusion III: New Findings and their Applications
Evidence in Financial Inclusion II: New Findings and their Applications	Evidence in Financial Inclusion I: New Findings and their Applications
18th Microcredit Summit: Frontier Innovations in Financial Inclusion	Evidence on Financial Inclusion Products and Programs
Evidence Showcase: Innovations in Financial Capability and Financial Services for the Poor	Zahra Niazi presents on using RCTs to improve financial product design CREDIT: Pooja Wagh IPA Workshop at the Asia-Pacific Financial Inclusion Summit 2015
Responsible Finance Forum VI: Evidence and Innovation for Scaling Inclusive Digital Finance	Advancing Digital Financial Services
Evidence on Innovations in Savings and Payments - Conference and Research Methods Workshop	Workshop on Experimental Design on Savings and Payments Research - Sri Lanka
Impact and Policy Conference: Evidence in Governance, Financial Inclusion, and Entrepreneurship	Workshop on Experimental Design for Savings and Payments Research - Kenya

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