This paper follows a quasi-experimental research design to assess the impact of the electronic payment system of Mexico's Oportunidades programme. The switch from cash payments to electronic payments delivered via a bank account is found to have implications in terms of reallocation between...

Surprisingly, 15 percent of U.S. households, most with low incomes, do not own a checking account. How do these people make and receive payments? Why don't they own checking accounts? These questions are answered using qualitative evidence from two focus group interviews plus quantitative...

Around one-third of recipients of government Social Security, retirement, unemployment, food stamps, Aid to Families with Dependent Children, and other benefit programs do not have a bank account. Electronic benefit transfer (EBT) allows such recipients to obtain benefits electronically through...

This paper investigates the impact that the emergence of Automated Funds Transfer (AFT) payments has had on cheque use in Canada. We find that AFT payments have played a role in the declining use of cheques during the past decade. Nevertheless the use of cheques remains moderately high in Canada...

This study assesses the payment system of the Pantawid Pamilyang Pilipino Program (4Ps or Pantawid Pamilya) in terms of the amount, frequency, and mode of payment delivery of the cash transfers. The study is an early attempt of the Institute to examine the Pantawid Pamilya implementation and...