Payments

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.

Measuring Global Financial Health

Impact evaluations in the financial inclusion sector often attempt to measure the financial health of their participants.

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...

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On Her Own Account: How Strengthening Women's Financial Control Affects Labor Supply and Gender Norms	, , Building Resilience through Financial Inclusion: A Review of Existing Evidence and Knowledge Gaps
Male Social Status and Women's Work	, Women’s Economic Empowerment Through Financial Inclusion
The Power of Doing Nothing	, Nudges for Financial Health: Global Evidence for Improved Product Design
, 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	Savings Defaults and Payment Delays for Cash Transfers: Field Experimental Evidence from Malawi
, Financial Inclusion Program Brief	Financial Inclusion for the Rural Poor Using Agent Networks in Peru
Mobile-izing Savings with Automatic Contributions: Experimental Evidence on Dynamic Inconsistency and the Default Effect in Afghanistan	Building Evidence on Financial Capability
Building Evidence on Financial Services	Risk Sharing and Transactions Costs: Evidence from Kenya’s Mobile Money Revolution

Learning About Digital Benefit Payments in a Pandemic	CREDIT: CONSAR Social Effects in the Age of Digital Finance
CREDIT: CONSAR Efectos sociales en la era de las finanzas digitales	To Fee or Not to Fee? Designing Inclusive Savings Products for Women
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

IndiaSpend Covers IPA Study on Women's Financial Autonomy	Daily Nation on IPA and GiveDirectly’s Universal Basic Income Study in Kenya
Spiegel Online Reports on IPA and GiveDirectly's Universal Basic Income Evaluation in Kenya	IPA and GiveDirectly’s Universal Basic Income Experiment in The Daily Mail
Researchers Report on Mobile Money and Savings Results in Harvard Business Review	Nature on IPA Universal Basic Income in Kenya
BBC Covers IPA and Give Directly's Universal Basic Income Evaluation in Kenya	IPA Uganda Deforestation Study in New York Times
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

IPA Presents at Virtual Conference on Social Protection in the Time of COVID-19	IPA Presents at Virtual Conference on Social Protection in the Time of COVID-19
IPA Presents at Virtual Conference on Social Protection in the Time of COVID-19	IPA Sierra Leone and UNCDF Hold Behavioral Design Workshop for Digital Financial Service Providers
IPA Zambia Presents at 10th ICT4D Conference in Lusaka	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

The Effects of a Universal Basic Income During the COVID-19 Pandemic in Kenya	Deferring Wages and Labor Supply in Malawi
Tailored Microcredit in Rural Morocco	Measuring Global Financial Health
The Effects of a Universal Basic Income in Kenya	Strengthening Women’s Financial Control Through Personal Bank Accounts
Leveraging Government Transfers to Offer Low-Risk Microcredit in the Dominican Republic	The Impact of Smartcard Electronic Transfers on Public Distribution
Mobile-izing Savings: Defined-Contribution Savings on a Mobile Money Platform in Afghanistan	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

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