Digitizing Cash Transfers to Remote Rural Populations : Challenges and Solutions from the Experience of Zambia

There is currently a major focus on digitization within African countries, with the interest of, on the one hand, increasing efficiency and lowering the cost-of-service delivery, and on the other hand, increasing financial inclusion for excluded parts of the population. Zambia provides an important case study of digitization of social protection transfers. Whilst Zambia is sparsely populated with remote rural populations often living up to 100 km from the nearest town, making beneficiaries hard to reach with digital services, the country has successfully demonstrated that cash transfers can be digitized for remote rural populations to varying extents, tailored to their particular context. This Discussion Note presents challenges faced and solutions found in digitizing cash transfer payments in Zambia, which may be of interest to other countries embarking on similar endeavors