Beneficiary Experience of Digital Government-to-Person Payments: Descriptive Findings from Bangladesh's Ministry of Social Welfare (doi:10.7910/DVN/EQZWZ0)

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Part 2: Study Description
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Beneficiary Experience of Digital Government-to-Person Payments: Descriptive Findings from Bangladesh's Ministry of Social Welfare

doi:10.7910/DVN/EQZWZ0

Harvard Dataverse

2024-06-21

1

Rouse, Rebecca; Kate Glynn-Broderick; Ellen Bates-Jefferys, 2024, "Beneficiary Experience of Digital Government-to-Person Payments: Descriptive Findings from Bangladesh's Ministry of Social Welfare", https://doi.org/10.7910/DVN/EQZWZ0, Harvard Dataverse, V1

Beneficiary Experience of Digital Government-to-Person Payments: Descriptive Findings from Bangladesh's Ministry of Social Welfare

doi:10.7910/DVN/EQZWZ0

Rouse, Rebecca (Innovations for Poverty Action)

Kate Glynn-Broderick (Innovations for Poverty Action)

Ellen Bates-Jefferys (Innovations for Poverty Action)

Innovations for Poverty Action

Harvard Dataverse

Research Transparency, Data Ethics, and Governance

Innovations for Poverty Action

2024-06-21

https://doi.org/10.7910/DVN/EQZWZ0

Social Sciences, Government-to-person payments, Financial inclusion, Consumer trust, Consumer awareness, Savings accounts, Mobile money, Digital financial services

IPA partnered with a2i (Aspire to Innovation of the Government of Bangladesh's ICT division) to understand the experience of 3 different groups of G2P transfer beneficiaries—old age allowance, widows and disabled groups—as the direct transfers convert from cash payments to a digitized process of direct deposit into bank accounts. Overall, the analysis indicates that beneficiaries are overwhelmingly satisfied with the switch to digital payments. While some challenges were reported during the disbursement process, beneficiaries expressed satisfaction with the digital payment system. As the study progressed, beneficiaries became more familiar with the process, evident by the reduced time spent during the withdrawal process for those receiving funds through mobile money agents compared to bank agents. Most beneficiaries were able to withdraw their allowance in a single trip and incurred withdrawal fees of no more than 1-2 percent of their allowance value. However, the study also found limited usage of official staff and channels when beneficiaries sought information or redress. Additionally, the impact of digital payments on financial inclusion, capacity, and health was limited, likely due to the vulnerability of the sample population.

2019-01-01-2022-12-31

Bangladesh

Individual

The study focuses on three beneficiary groups: pensioners, widows, and people with disabilities who receive social assistance.

Survey data

Innovations for Poverty Action

'The surveys included a sample of about 1000 bank agent beneficiaries that remained consistent throughout all four rounds of the survey. In each survey round, we returned to the same set of beneficiaries. Each round also included additional groups that were surveyed only for the specific round mentioned: Round 1: 1,000 sample + ~2500 additional agent banking beneficiaries; Round 2: 1,000 sample + ~750 additional agent banking beneficiaries (different than R1)+ ~ 750 additional mobile money beneficiaries; Round 3 and Round 4: 1,000 sample + ~3,000 additional mobile money beneficiaries (different than R2).

Phone surveys

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Beneficiary Experience of Digital Government to Person Payments.zip

application/zip