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Payments and Remittances


Cross-border and domestic money transfers play a critical role in the financial strategies of low-income households and present many opportunities to extend financial inclusion.

Our extensive research on themes and imperatives for national and regional payment systems and remittances spans sub-Saharan Africa and forms part of our dedicated programme on risk, remittances and integrity in partnership with FSD Africa.

The Latest in Payments and Remittances

The application of behavioural interventions
As we explore how behavioural science can narrow the gap between customer intention and customer action, we have started to look at examples from [...]
Central bank digital currency (CBDC) and financial inclusion
What can CBDC do for emerging markets: a case for mobile money Central banks have started to actively explore central bank digital currency (CBDC) [...]
Four things we learned at the 2019 Seamless Southern Africa Conference
Understanding the state of digital payments in sub-Saharan Africa. The Seamless Southern Africa conference took place in Cape Town, South Africa, [...]
The evolution of agent networks in Africa
Case study: Kenya The majority of mobile-money flows continue to be dominated by cash-in and cash-out (CICO) transactions. This has led to the [...]
Payment systems in sub-Saharan Africa
This two-part note series explores the state of national and regional payment systems in sub-Saharan Africa (SSA). Note 1 explores themes and [...]
Tipping the scale in favour of payment systems in sub-Saharan Africa (SSA)
For a moment, cast your mind back over the last week. How many payments did you make with your credit card during the week? The answer is most likely [...]
The benefits and potential risks of digital fiat currencies
Exploring digital fiat currencies (DFC) / central bank digital currency (CBDC)  Cryptocurrency has taken the financial world by storm since 2008 [...]
The curious case of migration and remittances in SSA
Migration is on the rise in sub-Saharan Africa (SSA), both in terms of migrants going to live abroad as well as within the region. With an [...]
MAP Zambia diagnostic and roadmap to financial inclusion
From 2009 to 2015 the proportion of adults, financially excluded from any financial service, decreased from 63% to 41% in Zambia, which exceeded the [...]
Risk, Remittances and Integrity Programme
The five-year RRI programme is a partnership between FSD Africa and Cenfri. Its aim is to improve welfare and boost investment growth in sub-Saharan [...]