Better Than Cash Alliance (BTCA) Payments Diagnostics

UNCDF/BTCA contracted BFA to conduct diagnostics of the payments systems and incentives for digital payments in Ghana and Vietnam. The deliverable for this project is a report that details the value and volume of digital and paper-based payments, trajectories for shifting to digital payments, key barriers and ecosystem gaps, and prioritized use cases. The report assesses Ghana’s progress to date, and sets out specific policy recommendations that can accelerate Ghana’s journey toward a more digital economy. The report draws on a fast-growing body of knowledge about success factors in similar markets. It also examines three areas of specific focus — government fees and fines, public utility payments, and the fast-moving consumer goods sector — where digitization can have particularly powerful impacts.