Resources

Explore our publications for insights on groundbreaking research, practical guides and emerging trends in inclusive payment systems.

Policy
AfricaNenda Policy Note 2

Toward the Bare Minimum in Policy to Unlock Seamlessly Integrated Retail Digital Payments Across Africa.

Policy Note 2: Financial Service Provider Licensing and Passporting

Annual Reports
AfricaNenda Annual Report 2022

2022 has been a landmark year for AfricaNenda. Launched in 2021, AfricaNenda has already shown that it has what it takes to become a key player in the African landscape for advancing financial inclusion.

Policy
AfricaNenda Policy Note 1

Toward the Bare Minimum in Policy to Unlock Seamlessly Integrated Retail Digital Payments Across Africa.

SIIPS
SIIPS Consumer Research Insights: Zambia

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Zambia focus report.

SIIPS
SIIPS Consumer Research Insights: Tanzania

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Tanzania focus report.

SIIPS
SIIPS Consumer Research Insights: Nigeria

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Nigeria focus report.

SIIPS
SIIPS Consumer Research Insights: Kenya

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Kenya focus report.

SIIPS
SIIPS Consumer Research Insights: Ghana

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Ghana focus report.

SIIPS
SIIPS Consumer Research Insights: Egypt

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Egypt focus report.

SIIPS
SIIPS Consumer Research Insights: The DRC

Consumer research was conducted between May and June 2022. It involved extensive in-country qualitative and quantitative research covering low-income adult individuals and micro, small, and medium-sized enterprises (MSMEs) across seven countries. This is the Democratic Republic of Congo focus report.

SIIPS
SIIPS 2023 Report

Read the full SIIPS 2023 Report here. This is the second of a series of annual reports by AfricaNenda on the landscape and state of instant and inclusive payment systems in Africa and the extent to which these systems are inclusive, especially for low‑income consumers. 

SIIPS
SIIPS 2022 Executive Summary

Read the SIIPS 2022 Executive Summary report here. This is the first of a series of annual reports by AfricaNenda on the landscape and state of instant and inclusive payment systems in Africa and the extent to which these systems are inclusive, especially for low‑income consumers.

SIIPS
SIIPS 2022 Summary Report

Read the SIIPS 2022 Summary Report here. This is the first of a series of annual reports by AfricaNenda on the landscape and state of instant and inclusive payment systems in Africa and the extent to which these systems are inclusive, especially for low‑income consumers.

SIIPS
SIIPS 2022 Case Study - TCIB (SADC)

TCIB provides opportunity for both bank and non-bank financial institutions to connect directly and indirectly to a payments system to process regional payments requests instantly. This case study provides detail on the origin, governance structure, regulation business model and value proposition of NIBSS.

SIIPS
SIIPS 2022 Case Study - GhIPSS Instant Pay (Ghana)

In response to a growing appetite for faster retail payments within Ghana, GhIPSS led the development and launch of the GhIPSS Instant Pay (GIP). This case study provides detail on the origin, governance structure, regulation business model and value proposition of NIBSS.

SIIPS
SIIPS 2022 Case Study - PesaLink (Kenya)

The Kenyan Bankers’ Association (KBA) strategized a payment system that would integrate digital payments, reduce the cost of transactions, and foster financial inclusion. This case study provides detail on the origin, governance structure, regulation business model and value proposition of PesaLink.

SIIPS
SIIPS 2022 Case Study - NIBSS Instant Payment (Nigeria)

In 2011, the Nigerian Inter-Bank Settlement System (NIBSS) launched NIBSS Instant Payment (NIP)—a real‑time interbank payments system designed to facilitate high volumes of retail transactions. This case study provides detail on the origin, governance structure, regulation business model and value proposition of NIBSS. 

SIIPS
SIIPS 2022 Report

Read the full SIIPS 2022 Report here. This is the first of a series of annual reports by AfricaNenda on the landscape and state of instant and inclusive payment systems in Africa and the extent to which these systems are inclusive, especially for low‑income consumers.

AfricaNenda Research
Summary - Use of cross-border digital payments in the COMESA region

This summary report captures insights into the needs of MSMEs involved in cross-border trade. The findings will inform training content design to strengthen MSMEs’ capacity in using digital financial services for cross-border trade.

AfricaNenda Research
Use of cross-border digital payments in the COMESA region

This report captures the findings of a market research conducted within the COMESA region to assess the key challenges faced by MSMEs to develop an understanding of their training needs for accelerating the use of digital payments for cross-border transactions.

AfricaNenda Research
The State of Instant Payments in Africa: Progress and Prospects

This short AfricaNenda Report (2021) explores the state of financial inclusion in Africa and the role that inclusive instant payments play in achieving inclusion for all. The report is a preview to AfricaNenda’s upcoming annual State of Instant Payments in Africa 2022 report, which will zoom further in on the themes and questions explored in this document.

Technical guide
The Level One Project Guide, 2019

The Level One Project is an initiative of the Bill and Melinda Gates Foundation’s Financial Services for the Poor (FSP) program and focuses on enabling financial inclusion by meeting the needs of low income users—both individuals and merchants—as well as the DFSPs that serve them.

Technical guide
Building Faster Better: A Guide to Inclusive Instant Payment Systems

This guide by William Cook, Dylan Lennox, and Souraya Sbeih (2021) offers insights for policy makers, financial service providers, and other actors involved in driving interoperability in digital payments.