Topics Digital technology

Towards inclusive digital finance in Indonesia

This report reviews existing evidence on the impact of digital financial services and associated policies on development outcomes, provides an overview of the Indonesian context, and identifies promising areas for future research and policy innovation.

Wage digitization manual for ready-made garment factories

The objective of this manual is to provide some effective recommendations to Ready-Made Garments (RMG) factories that are seeking to digitize their wage disbursement system, based on the experiences of Sarathi’s work with two partner commercial banks in digitizing the…


Why does the payday still exist? This article studies various explanations—economic, historical, behavioral, and legal. It concludes that the payday owes its existence to legacy legal architecture and suggests a path for legal reform.

HERfinance Digital Wages Tech Learning Tool for Workers

This gamified tech learning tool developed with Mastercard Center for Inclusive Growth and QuizRR uses engaging films, quizzes, and animation to support workers to increase their financial health and benefit from digital wages. The learning tool includes 6 training modules,…

HERfinance Digital Wages Curriculum

HERfinance Digital Wages Curriculum contains a collection of 90-minute training modules and materials on different financial topics designed for the factory setting to be used during the transition from cash to digital wages and to improve financial health.