Art Appraisal Blog

This Better Than Cash Alliance report details principles for building responsible digital payment systems. An update to BTCA’s 2016 publication, the report emphasizes the importance of consumer trust driven by reliability, interoperability between services, and conscious efforts to include marginalized communities, particularly women.

Colombia's Ingreso Solidario COVID-19 cash transfer program increased eligible households’ probability of maintaining an income source during the pandemic and did not disincentivize labor market participation.

Integrating information for the purpose of articulating social protection policies is hard work. It requires a combination of political will, capacity for institutional cooperation, software development and direct communication channels with citizens. Because of this complexity, countries that pursue this objective often cooperate to exchange knowledge, and the Brazilian Single Registry (Cadastro Único), the backbone of some 20 social protection programmes, is frequently cited as a successful example of integration....

The onset of the COVID-19 pandemic caused countries throughout the world to adapt their social protection systems to a radically new environment. This Maintains report uses literature reviews and informant interviews to document the social protection response in Kenya, evaluating it in terms of its adequacy, coverage, and comprehensiveness. As of its writing, the government of Kenya was expected to deliver social protection to over 700,000 households as part of...

The disruptions caused by the COVID-19 pandemic complicated the delivery of social protection payments, while at the same time necessitating their use at unprecedented scale. Lowe, McCord, and Beazley analyze optimal approaches to distributing and expanding G2P transfers in 2020 by combining literature review with case studies of Nigeria, Peru, Sri Lanka, and Togo. Their findings highlight the importance of comprehensive ID systems, digital and financial inclusion, existing systems, and...

The COVID-19 lockdown provides a test of whether these investments in digital infrastructure would pay off and help the government deliver relief quickly, efficiently and equitably.

Payments are central to how governments transfer and receive financial resources; however, the way such payments are made is often not mainstreamed in public financial management (PFM) despite the fact that many of the direct benefits from effective digitalization of payments are identitical to those traditionally expected from strong PFM systems. The digitalization of payments does not provide a silver bullet for solving PFM problems; therefore it needs to be approached in an integrated way, with leadership from central agencies, including the Ministry of Finance, to exploit the synergies between the many different types of payments facilitated by digital technology.

The most valuable innovation is in G2P delivery systems that empower women to choose how to receive their cash.

COVID-19’s disproportionate impact on women must be urgently addressed through the provision of digital financial literacy and access.

During the pandemic, Duong Thi Thuy, a mobile money agent in the Quang Ninh province, improvised her business to help her community follow the guidelines on social distancing and government norms. This is her story about the adoption of DFS and how it changed her life.