Report NEP-PAY-2025-03-24

This is the archive for NEP-PAY, a report on new working papers in the area of Payment Systems and Financial Technology. Bernardo Bátiz-Lazo issued this report. It is usually issued weekly.

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Other reports in NEP-PAY

The following items were announced in this report:

• Munyengera, Ggombe Kasim & Agnes, Mutuyimana & Seth, Kwizera & Precious, Akampumuza, 2025. "From Cash to Cashless: Leveraging the Potential of Digital Financial services in Rwanda," Working Papers b37c4ced-2a36-4e7e-8c3c-2, African Economic Research Consortium.
• Munyegera, Ggombe Kasim, 2024. "Disability, Digital Financial Services and Financial Inclusion: Evidence from Rwanda," Working Papers 7dfeab2a-be4d-4ca7-8cc3-4, African Economic Research Consortium.
• Osoro, Jared & Bundi, Davis & Kiplangat, Josea, 2024. "Behavioural Biases in Financial Access and Usage Divide: The Kenyan Case," Working Papers 0cdc9b6d-5d8c-46e6-8f00-e, African Economic Research Consortium.
• Munyegera, Ggombe Kasim, 2024. "Development of the Digital Financial Ecosystem in Rwanda: Drivers, Lessons and Way Forward," Working Papers 319299ff-f4f7-4716-a582-1, African Economic Research Consortium.
• Kodongo, Odongo, 2025. "The Fintech Ecosystem and Financial Inclusion: Evidence from Kenya," Working Papers 1503a2fb-6c52-479f-bdb0-4, African Economic Research Consortium.
• Nicholas, Okot & Elizabeth, Kasekende, 2025. "Empowering Ugandans: Strategic Roadmap for Financial Inclusion," Working Papers beef6cab-ed85-46d8-9cdb-3, African Economic Research Consortium.
• Daniel, Lanta, 2025. "Digital Financial Services through Mobile Phones: Bringing Inclusivity to Tanzanias Rural Women," Working Papers 8259219b-f0af-4e41-93aa-4, African Economic Research Consortium.
• Wamalwa, Peter & Tiriongo, Samuel & Mulindi, Hillary, 2024. "Bank Competition, Digital Finance, and Gender Differences in Financial Inclusion in East Africa," Working Papers ee1ed634-f735-4382-8f2a-4, African Economic Research Consortium.
• Botha, Rosemary & Kamninga, Tony & Tuyisenge, Methode, 2025. "Mobile Money a Catalyst for Women Empowerment in Rural Rwanda," Working Papers df2934bb-b4e4-43cb-b555-a, African Economic Research Consortium.
• Shinyekwa,Isaac, M.B. & Mpuuga, Dablin & Nattabi, Aida K. & Bulime, Enock W.N., 2024. "Leveraging Digital Services and Market Development for Financial Inclusion," Working Papers 4de4e4dd-3a1b-4e3f-b54c-5, African Economic Research Consortium.
• Munyegera, Ggombe Kasim, 2025. "Finance for Her: Engendering Financial Services and DFS in Rwanda," Working Papers ebb7b36e-1f52-4577-ae92-7, African Economic Research Consortium.
• Ogwang, Ambrose & Kahunde, Rehema & Makika, Maya Dennis, 2025. "Gender Lens to Digital Financial Services," Working Papers 1dcacb20-d595-46e4-a107-5, African Economic Research Consortium.
• Daniel, Lanta & Mwighusa, Dennis & Diyamett, Bitrina, 2025. "Digital Financial Services through Mobile Phones: Status and Challenges Faced by Rural Women in Tanzania," Working Papers 39cdb42d-dbf4-4e35-a1a7-6, African Economic Research Consortium.
• Bizoza, Saidi & Irakoze, Gildas, 2025. "Mobile Phone Ownership: Bridging Financial Access for the Unbanked," Working Papers aaa4d8cf-2b7d-4962-a91b-b, African Economic Research Consortium.
• Munyengera, Ggombe Kasim & Precious, Akampumuza & Seth, Kwizera, 2025. "Disability is no Inability: Promoting Financial Inclusion and Digital Financial Services for PWDs in Rwanda," Working Papers 188fd537-66da-4037-9a2d-4, African Economic Research Consortium.
• Okelo, Jimmy Apaa, 2025. "Impact of Mobile Money on Remittance Costs, Flows and Monetary Policy in Uganda," Working Papers a7ec19e9-03e8-466f-bf91-8, African Economic Research Consortium.
• Garang, James Alic, 2025. "Impediments to the Evolution of Mobile Money and Financial Inclusion in South Sudan," Working Papers cb78f530-2e9e-4afd-be28-5, African Economic Research Consortium.
• Manuel Naviglio & Francesco Tarantelli & Fabrizio Lillo, 2025. "A Sea of Coins: The Proliferation of Cryptocurrencies in UniswapV2," Papers 2502.10512, arXiv.org.
• David Lee Kuo Chuen & Yang Li, 2025. "Blockchain innovation in promoting employment," Papers 2502.15549, arXiv.org.
• Ndayikeza, Michel Armel & Nyamweru, Jean Claude & Ndoricimpa, Arcade, 2024. "Mobile Money Usage: A Comparative Analysis of Burundi with other East African Countries," Working Papers ff95cc46-5259-4cf8-8fbc-7, African Economic Research Consortium.
• Ndoricimpa, Arcade & Nyamweru, Jean Claude & Ndayikeza, Michel Armel, 2025. "Mobile Money for Increased Financial Inclusion in Burundi," Working Papers b5046945-9f4a-46df-95b9-d, African Economic Research Consortium.
• Wamalwa, Peter & Tiriongo, Samuel & Mulindi, Hillary, 2025. "Bank Competition, Digital Finance and Gender Parity in East Africa," Working Papers a6bc6eca-0402-4c0a-9b73-6, African Economic Research Consortium.
• Sekumbo, Karia & Ringo, Noela & Manda, Constatine, 2025. "Mobile Money Consumption Taxes: What are the Distributional Impacts," Working Papers f320982d-cd74-4343-b276-8, African Economic Research Consortium.
• Tamba, Cox Lwaka & Murithi, Emmaculate Kathomi, 2025. "Kenya Bidding Bye to Gender Inequality in Uptake of Digital Financial Services," Working Papers 4c215b39-417d-4477-92d1-2, African Economic Research Consortium.
• Osoro, Jared & Bundi, Davis & Kiplangat, Josea, 2025. "Behavioural Biases: Driving a Wedge Between Access and Usage of Financial Services," Working Papers ec5ae1c5-ae9b-44d4-9a17-9, African Economic Research Consortium.
• Nasrum, Muhammad, 2024. "The Card of Our Destiny: A Tale of Subject-Object Financial Algorithm," OSF Preprints mzr8y_v1, Center for Open Science.
• Joseph, Samson Taban & Ajongo, Jacqueline Benjamin, 2025. "Financial Inclusion and Market Development in South Sudan," Working Papers c24cc2ac-dcba-4a30-9fb2-8, African Economic Research Consortium.
• Nasrum, Muhammad, 2024. "Moral alchemy of credit cards: Reassembling debt and the value of financialization in Indonesia," OSF Preprints q9y7d_v1, Center for Open Science.
• Shinyekwa, Isaac M. B. & Mpuuga, Dablin & Nattabi, Aida K. & Bulime, Enock W. N, 2025. "Enablers and Inhibitors for Access and Usage of Digital Financial Services in Uganda," Working Papers 7ecf9e49-70f2-4a90-927a-a, African Economic Research Consortium.
• Jia, Fernando & Zheng, Jade & Li, Florence, 2025. "Decentralized Intelligence in GameFi: Embodied AI Agents and the Convergence of DeFi and Virtual Ecosystems," OSF Preprints tn5rx_v1, Center for Open Science.
• Nohayla Badrane & Zineb Bamousse, 2025. "Innovative Financing Solutions: A Transformative Driver for Financial Performance of Businesses in Morocco," Papers 2502.14393, arXiv.org.
• Ma, Qingguo & He, Yijin & Tan, Yulin & Cheng, Lu & Wang, Manlin, 2024. "Unveiling the Impact of Payment Methods on Consumer Behavior: Insights and Future Directions," OSF Preprints 3fphk_v1, Center for Open Science.
• Ndayikeza, Michel Armel & Ndoricimpa, Arcade & Nyamweru, Jean Claude, 2025. "Mobile Money Usage: A Comparative Analysis of Burundi with other African Community (EAC) Countries," Working Papers 27c0d032-3fb1-4653-bf70-4, African Economic Research Consortium.
• Mwighusa, Dennis & Diyamett, Bitrina, 2024. "Digital Innovation Ecosystem Development for Financial Inclusion and Market Access: The Case of Tanzania," Working Papers 76690e87-a99e-424a-aa08-7, African Economic Research Consortium.
• Nasrum, Muhammad, 2024. "When credit cards become business capital: Decoding financialization in Indonesia," OSF Preprints 4wjzv_v1, Center for Open Science.
• Ndoricimpa, Arcade & Nyamweru, Jean Claude & Ndayikeza, Michel Armel, 2024. "Determinants of Mobile Money Adoption and Use in Burundi," Working Papers 680a7bb0-16b9-426a-a24f-1, African Economic Research Consortium.
• Lemma, Tesfaye Tadesse & Mlilo, Mthokozisi, 2025. "Harnessing Digital Finance for Women Entrepreneurs," Working Papers e0a219e2-be70-4582-b156-4, African Economic Research Consortium.
• Yuichiro Kamada & Shunya Noda, 2025. "Dynamic User Competition and Miner Behavior in the Bitcoin Market," Papers 2502.15505, arXiv.org.
• Akem, Fiennasah Annif, 2025. "Implications of Financial Inclusion for Poverty in Cameroon: A Gendered Analysis," Working Papers b68fd6e8-123f-4664-80d5-f, African Economic Research Consortium.
• Juan Pablo Reyes Ochoa, 2024. "Orchestrating Crowdsourcing Platforms for Innovation: A Review of the Design and Governance Factors that Drive Value Creation," Post-Print hal-04952513, HAL.
• Mwighusa, Dennis & Diyamett, Bitrina, 2025. "Digital Financial Services in Tanzania: Plight for the Poor," Working Papers dc0d51b7-51d3-4f34-ab6d-3, African Economic Research Consortium.
• Shetty, Pavun, 2024. "ServerFi : A New Symbiotic Relationship Between Games And Players," OSF Preprints tsxj2_v1, Center for Open Science.
• Gong, Yaping & Khan, Muhammad Aamir & TAM, Kar Yan, 2024. "Assessing Competencies of Fintech Employees: Development and Validation of a Competency Model and Assessment Scale," OSF Preprints g9e7j_v1, Center for Open Science.
• Garang, James Alic, 2025. "Financial Inclusion Primary in South Sudan," Working Papers 026070ae-32e3-4f92-86da-8, African Economic Research Consortium.
• Okot, Nicholas & Shinyekwa, Isaac M. B. & Bulime, Enock N. W. & Luwedde, Justine, 2025. "The Monetary Economics of e-Money and Policy Implications: Evidence from Uganda," Working Papers 509360b0-6f34-4037-8acd-9, African Economic Research Consortium.
• Winata, Robbie Kurniawan & Soekarno, Subiakto, 2024. "Literature Review on Digitalization and Financial Performance," OSF Preprints my9fk_v1, Center for Open Science.
• Amit Kumar & Taoran Ji, 2025. "CryptoPulse: Short-Term Cryptocurrency Forecasting with Dual-Prediction and Cross-Correlated Market Indicators," Papers 2502.19349, arXiv.org, revised Mar 2025.
• Horst Treiblmaier, 2025. "A Theory of Chaordic Economics: How Artificial Intelligence and Blockchain Transform Businesses, Economies and Societies," Papers 2502.16596, arXiv.org.
• World Bank, 2024. "Accelerating the Inclusion of Persons with Disabilities in Uzbekistan’s Digital Economy," World Bank Publications - Reports 41983, The World Bank Group.
• Lioba Heimbach & Jason Milionis, 2025. "The Early Days of the Ethereum Blob Fee Market and Lessons Learnt," Papers 2502.12966, arXiv.org.
• Remi Genet, 2025. "Deep Learning for VWAP Execution in Crypto Markets: Beyond the Volume Curve," Papers 2502.13722, arXiv.org, revised Apr 2025.
• International Finance Corporation, 2024. "Microfinance," World Bank Publications - Reports 42081, The World Bank Group.
• CGAP & BIS & IMF & UNSGSA & World Bank, 2025. "Key Considerations for Open Finance," World Bank Publications - Reports 42617, The World Bank Group.
• World Bank, 2024. "The Cloud Imperative," World Bank Publications - Reports 42551, The World Bank Group.