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رقم التسجيلة
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23553
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نوع المادة
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book
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الموقع الالكتروني
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https://www.imf.org/en/publications/departmental-papers-policy-papers/issues/2025/06/27/digital-payment-innovations-in-sub-saharan-africa-529198
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ردمك
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9798400232220
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رقم الطلب
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332.178 D574
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العنوان
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Digital Payment Innovations in Sub-Saharan Africa
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بيانات النشر
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Washington, D.C, [UNITED STATES]: International Monetary Fund (IMF), 2025.
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الوصف المادي
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x, 118 P
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بيان السلسلة
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International Monetary Fund. The African Department
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الملاحظات الببليوجرافية
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Include bibliographical references (P: 108-118).
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المحتويات / النص
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Executive Summary -- 1. Introduction -- A. Digital Payment Innovations in Sub-Saharan Africa -- B. Structural Features of Sub-Saharan African Economies -- C. Key Issues for the Development of Digital Innovations in Sub-Saharan Africa -- 2. Digital Payment Landscape in Sub-Saharan Africa -- 3. CBDC in Sub-Saharan Africa -- 4. Fast Payment Systems (FPS) in Sub-Saharan Africa -- 5. Private Mobile Money in Sub-Saharan Africa -- 6. Crypto Assets in Sub-Saharan Africa -- 7. Policy Recommendations to Strengthen the Digital Payments --Ecosystem across Sub-Saharan Africa -- A. Addressing Structural Impediments and Bottlenecks for the Development of Efficient Digital Payment Innovations -- B. Mitigating Specific Risks -- C. Supporting Private Sector Development and Innovations through the Promotion of an Enabling, Competitive, and Safe Environment -- D. Exploring Public Sector Digital Payment Innovations—Including CBDC—as Complements Rather Than Substitutes for Private Sector Digital Solutions -- E. Leveraging Digitalization in Public Finance -- F. Synergies of Digital Finance with Capital Flows, Climate Financing, and AI for a Broader Effect -- G. Collaborating across Borders to Enhance Efficiency and International Interoperability of Payment Systems -- H. Sound Macroeconomic Policy as the Essential Foundation for the Digital Reform Agenda -- Annex
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المستخلص
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"This paper takes stock of developments and policy issues related to digital payments innovations across sub-Saharan African (SSA), including central bank digital currency (CBDC), fast payments systems (FPS), mobile money, and crypto assets, which are now at the forefront of policymakers’ attention in the region. Drawing on insights from a recent IMF survey of SSA central banks (Ricci and others, 2024), the analysis is grounded in the unique characteristics of SSA compared with other regions. The paper offers tailored recommendations related to policy, regulation, and design, aimed at strengthening the digital payment landscape in the region. It notes the important role of strengthening digital infrastructure and leveling the playing field for private sector involvement through an enabling, competitive, interoperable and secure operating environment. The development of mobile money and FPS should be encouraged. CBDCs can complement these and could be pursued when there are well-identified market failures or other strategic reasons that require public intervention in the digital payment space. While crypto assets (especially adequately backed stablecoins) can support financial innovations, they are also associated with risks that should be contained through comprehensive regulations. Crypto assets should not be adopted as legal tenders. Stronger collaboration across borders can foster efficiency gains and international interoperability of payment systems". (Publisher page)
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المواضيع
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Banks and Banking
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الواصفات
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TECHNOLOGICAL INNOVATIONSBANKSMONETARY TRANSFERSTransfer paymentsAfrica, Sub Saharan
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عنوان آخر
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IMF Departmental papers. Digital Payment Innovations in Sub-Saharan Africa
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الأسماء المرتبطة
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International Monetary Fund
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