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Behavioral Science for Inclusive and Impactful Digital Payments (Английский)

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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