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Delivering Digital G2P Payments to Urban Informal Populations: Lessons and Future Policy Implications from COVID-19 Responses

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dc.contributor.authorUbah, Ubah Thomas
dc.contributor.authorMukherjee, Anit
dc.contributor.authorWebster, Brian
dc.contributor.authorCunningham, Wendy
dc.contributor.authorMarin, Georgina
dc.date.accessioned2023-10-03T18:20:44Z
dc.date.available2023-10-03T18:20:44Z
dc.date.issued2023-10-03
dc.description.abstractThe COVID-19 response in many Sub-Saharan African countries included the rapid deployment of social protection programs leveraging digital systems to counteract the income losses that were disproportionately experienced by urban informal populations. Using data from three in-depth country case studies, this paper finds that these digital government-to-person (G2P) payments contributed to countries reaching beneficiaries quickly and safely and that G2P payments may be particularly viable in urban, as compared to rural, areas due to greater access to digital and financial infrastructure, creative use of big data, and population density that allows for mass communication. However, there are still pockets of exclusion in urban areas emerging from incomplete digital access, limited financial inclusion, underdeveloped financial ecosystems, and high population mobility. It is particularly challenging to identify, communicate with, assess, and deliver G2P services to informal workers in urban areas due to their non-registration status, variable income flows, the blending of the home and household enterprises into a single entity, and the governments’ limited experience in identifying eligible beneficiaries within this segment. While adopting a digital G2P architecture provides a promising avenue to strengthen the safety nets for this segment in the region, exclusion challenges remain. Given the ubiquity of urban informality in the region, countries will need to work to include the urban informal in foundational digital systems, such as national IDs and social registries, adopt flexible regulatory and hybrid delivery models to address the sector’s varied needs, and seek to foster robust digital payment ecosystems to maximize the potential for spillover benefits.en
dc.identifierhttp://documents.worldbank.org/curated/en/099092023102013224/P1691710b71ebd01608e180e11a3beed63d
dc.identifier.doi10.1596/40422
dc.identifier.urihttps://openknowledge.worldbank.org/handle/10986/40422
dc.languageEnglish
dc.language.isoen
dc.publisherWorld Bank, Washington, DC
dc.rightsCC BY-NC 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttps://creativecommons.org/licenses/by-nc/3.0/igo
dc.subjectURBAN INFORMAL SECTOR
dc.subjectSOCIAL PROTECTION RAPID DEPLOYMENT
dc.subjectGOVERNMENT TO PERSON PAYMENTS (G2P)
dc.subjectACCESS TO FINANCIAL INFRASTRUCTURE
dc.subjectACCESS TO DIGITAL INFRASTRUCTURE
dc.subjectUSE OF BIG DATA
dc.titleDelivering Digital G2P Payments to Urban Informal Populationsen
dc.title.subtitleLessons and Future Policy Implications from COVID-19 Responsesen
dc.typeWorking Paper
dspace.entity.typePublication
okr.crossref.titleDelivering Digital G2P Payments to Urban Informal Populations: Lessons and Future Policy Implications from COVID-19 Responses
okr.date.disclosure2023-09-20
okr.date.lastmodified2023-09-20T00:00:00Zen
okr.doctypeReport
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/099092023102013224/P1691710b71ebd01608e180e11a3beed63d
okr.guid099092023102013224
okr.identifier.docmidP169171-b71ebdf5-96fb-4d16-8e18-e11a3beed63d
okr.identifier.doihttp://dx.doi.org/10.1596/40422
okr.identifier.externaldocumentum34165576
okr.identifier.internaldocumentum34165576
okr.identifier.report184954
okr.import.id1912
okr.importedtrueen
okr.language.supporteden
okr.pdfurlhttp://documents.worldbank.org/curated/en/099092023102013224/pdf/P1691710b71ebd01608e180e11a3beed63d.pdfen
okr.region.geographicalSub-Saharan Africa
okr.sectorPublic Administration - Social Protection
okr.themeFinancial Infrastructure and Access,Gender,Human Development and Gender,Data Development and Capacity Building,Social Protection,Social Development and Protection,Finance,Private Sector Development,Public Sector Management,Jobs,Social Insurance and Pensions,Data production, accessibility and use,Payment & markets infrastructure,Social protection delivery systems,Social Safety Nets
okr.topicUrban Development::Urban Poverty
okr.topicPoverty Reduction::Urban Partnerships & Poverty
okr.topicInformation and Communication Technologies::Digital Divide
okr.topicRural Development::Rural Development Strategy & Policy
okr.unitSocial Protection & Labor AFR 3 (HAWS3)
relation.isAuthorOfPublication37bc44c3-8af5-5f13-acac-468a089b1e1e
relation.isAuthorOfPublication.latestForDiscovery37bc44c3-8af5-5f13-acac-468a089b1e1e
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