Innovation in Electronic Payment Adoption : The Case of Small Retailers

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作者：

World Bank Group

来源地址：

http://hdl.handle.net/10986/24700

关键词：

TAX CODES;  BUSINESS OWNERS;  LINE OF CREDIT;  DEPOSIT;  FINANCIAL SERVICES;  BANK FEES;  CREDIT CARDS;  ELECTRONIC TRANSFERS;  RECEIPT;  ATM CARDS;  ECONOMIC GROWTH;  PROFIT MARGINS;  DEPOSITS;  PEOPLE;  PAYMENT SERVICE;  PUBLIC-PRIVATE PARTNERSHIPS;  MERCHANTS;  FINANCING;  INTEREST;  E-COMMERCE;  CREDIT SCORE;  FINANCIAL LITERACY;  SAVINGS ACCOUNTS;  DIGITAL REVOLUTION;  REMITTANCE;  BUSINESS TRANSACTIONS;  SMALL BUSINESS FINANCE;  BANK ACCOUNT;  ENTREPRENEURS;  MULTINATIONAL;  REVENUES;  MONEY TRANSFER;  FORMAL FINANCIAL SECTOR;  BANK DEPOSIT;  WELFARE;  PAYMENTS SERVICE;  UNIVERSAL FINANCIAL ACCESS;  LOAN;  CREDITWORTHINESS;  DIRECT DEPOSIT;  FEE;  BORROWERS;  ELECTRONIC ACCOUNT;  SMALL-BUSINESS LOANS;  CREDIT CARD;  PAYMENTS;  SAVING;  PAYMENTS INFRASTRUCTURE;  INTERNATIONAL BANK;  BUSINESS OPPORTUNITY;  MFIS;  INFORMATION ASYMMETRIES;  CASH FLOWS;  NEW BUSINESS;  MICROFINANCE INSTITUTIONS;  CREDIT UNDERWRITING;  FEMALE ENTREPRENEURS;  ACCESS TO FINANCIAL SERVICES;  SMALL-BUSINESS;  SMALL BUSINESS;  INTERNATIONAL FINANCE;  LOWER-INCOME CONSUMERS;  BUSINESS LOANS;  SAVINGS;  START-UP;  PUBLIC-PRIVATE PARTNERSHIP;  GENDER GAP;  FINANCIAL INSTITUTION;  ACCESS TO FORMAL CREDIT;  UNION;  OPERATIONAL COSTS;  FINANCES;  FIXED COSTS;  INTEREST RATES;  PAYMENT;  FINANCIAL INSTITUTIONS;  LIMITED ACCESS;  RECEIPTS;  FINANCING NEEDS;  FINANCIAL VIABILITY;  DEPOSIT INSURANCE;  FINANCIAL PRODUCTS;  WIRE TRANSFER;  CUSTOMER SERVICE;  BANKERS;  LOANS;  ENTERPRISES;  ELECTRONIC PAYMENTS;  APPROVAL PROCESS;  APPLICATION PROCESS;  FINANCIAL SYSTEM;  FINANCIAL HEALTH;  CHILD CARE;  DEBIT CARDS;  FINANCE;  BANK DEPOSITS;  BANKS;  PROFIT MARGIN;  CREDIT LINE;  UNEMPLOYMENT;  POINT OF SALE;  CREDIT DECISIONS;  CREDIT GAP;  BUSINESS FINANCE;  CAPITAL;  BUSINESS MANAGEMENT;  PAYMENT OBLIGATION;  CUSTOMER BASE;  E-PAYMENTS;  LEGAL TENDER;  FAMILY;  ACCESS TO FINANCE;  BANKERS’  ASSOCIATION;  GENDER;  CASH PAYMENTS;  BANK;  FORMAL FINANCIAL SERVICES;  CREDIT;  PURCHASING POWER;  MINIMUM BALANCE;  MICROINSURANCE;  UNIVERSAL ACCESS;  WORKING CAPITAL;  URBAN AREAS;  HOUSEHOLD;  DOCUMENTATION REQUIREMENTS;  REPAYMENT;  ENTERPRISE;  FINANCIAL ACCOUNT;  SOCIAL NETWORKS;  PAYMENT INFRASTRUCTURE;  CUSTOMER RELATIONSHIP;  FINANCIAL SERVICE PROVIDERS;  JOB CREATION;  CASH MANAGEMENT;  FINANCIAL ACCESS;  TRANSACTION COSTS;  TAX LIABILITY;  BUSINESS SUPPORT;  EMPLOYERS;  FINANCIAL SERVICE;  SUPPLY CHAIN;  SECURITIES;  BANK ACCOUNTS;  ACCESS TO CREDIT;  MICROFINANCE;  ECONOMIC DEVELOPMENT;  ECONOMIC OPPORTUNITIES;  BANK LOAN;  SUPPLY CHAINS;  SECURITY;  ECONOMIES OF SCALE;  BUSINESS OWNER;  FINANCIAL MARKET;  BANK BRANCH;  LACK OF AWARENESS;  INVESTMENT;  EXTREME POVERTY;  ELECTRONIC PAYMENT;  PAYMENT SERVICES;  FINANCIAL CAPACITY;  COOPERATION;  EMPLOYEE;  REVENUE;  CREDIT TRANSFER;  GREATER ACCESS;  RISK MANAGEMENT;  DEBIT CARD;  MERCHANT;  POINT-OF-SALE TERMINALS;  ACCESS POINTS;  FEES;  FAMILIES;  WOMEN;  OUTREACH;  REMITTANCES;  SOCIAL NETWORK;  POINT-OF-SALE;  CUSTOMER DEMAND;  FORMAL CREDIT;  BANK SERVICE;  FINANCIAL SERVICES INDUSTRY;  SMALL BUSINESSES;  GUARANTEE;  CREDIT LINES;  REGISTRATION PROCESS;  BUSINESS FINANCES;  START-UPS;  INCOME GROUPS;  MICROFINANCE INSTITUTION;  MFI;  EMPLOYEES;  Report;  Rapport;  Informe; 

年份：

2016

出版地：

Washington,USA

语种：

English

摘要：

This report aims to deepen the understanding of barriers to and incentives for the acceptance and use of electronic payments, from the perspective of micro, small and medium retailers (merchants). Developing and accelerating acceptance of electronic payments by these merchants is essential to expanding financial access. A basic transaction account for payments and deposits is considered an entry point to the formal financial system, and can act as a gateway for individuals to adopt other relevant financial services they need to smooth their consumption and manage income shocks. However, equipping individuals with only basic transaction accounts is not sufficient. The use case for payment services becomes increasingly effective as individuals gradually move to a cashless economy, where electronic payments are widely accepted for regular and frequent purchases. The report highlights important dimensions to consider in the efforts to expand electronic payments for merchants.