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Behavioral Science for Inclusive and Impactful Digital Payments (English)

When delivered digitally, government-to-person (G2P) payments, which may include government wages, pensions, social benefits and tax refunds, enable governments to distribute payments in a safe, rapid and transparent way while also minimizing costs. Digital G2P payments, when linked to transaction accounts, have the potential to promote financial inclusion among those who are new to digital financial services.1 Digital G2P payments to transaction accounts are a gateway to access other financial products (e.g. savings and credit) and services (e.g., payments). Having a transaction account also provides access to digital services such as telemedicine, e-commerce or distance learning.2 This is especially relevant during the COVID-19 pandemic, when authorities are trying to provide critical services to G2P payment recipients through digital platforms. However, if the digitization of G2P payments does not account for barriers that may hinder equitable access and use of digital financial services, program designers and implementers risk further excluding key target groups that have been disproportionally excluded from access to financial services in the past, such as women, elderly persons, marginalized cultural groups and those experiencing poverty. This brief guidance note primarily focuses on social assistance G2P payments and includes some selected tips for policymakers and practitioners to consider when designing and implementing digital social assistance programs that aim to increase financial inclusion and economic empowerment among marginalized groups. The tips are derived from previous work done by ideas42 and its partners on using insights from behavioral science to increase financial inclusion and optimize social assistance programs. There are several insights from the research on behavioral science to consider and the applicability and potential impact of each insight will, of course, depend on the context of each program.


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    Behavioral Science for Inclusive and Impactful Digital Payments

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    social assistance; social assistance program; behavioral science; transaction account; cash transfer program; social assistance payments; lack of resource; piped water; marginalized group; mobile banking; digital service; Digital Wallet; behavioral design; behavioral intervention; planning activity; small sample; economic empowerment; transaction cost; telecommunications company; administrative datum; administrative requirement; mobility constraint; several times; pandemic response; vulnerable population; the administration; social program; Marketing Material; operational process; sensitive information; Digital Literacy; delivery mechanism; payment option; school fee; behavioral economics; daily expense; inactive account; peer group; primarily use; unexpected expense; qualitative research; lower rate; banking product; major bank; physical separation; community meetings; health emergency; unexpected cost; consumption smoothing; available resources; savings account; adequate infrastructure; long-term saving; mobile money; outreach campaign; mental model; payment date; broad access; payment point; payment amount; human behavior; saving behavior; Distance Learning; optimal outcomes; equitable access; elderly person; digital product; human beings; Electronic Payment; Social Protection; research observer; previous work; data privacy; tax refund; Rent subsidies; rent subsidy; government wage



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Behavioral Science for Inclusive and Impactful Digital Payments (English). Product design case study (ideas42) Washington, D.C. : World Bank Group.