Mapping Pathways for Inclusive Digital Payment Ecosystems: Integrating NGOs, Micro-Insurance Startups, and Community Groups

Abstract

This paper provides an analytical framework to guide the development of inclusive digital-payments ecosystems for the poor in peri-urban areas. This article has addressed the heterostructuration33 of supply chain in the form of a multiscale coalition between international NGOs, micro-insurance start-ups and local savings groups, pro duction value and the governance regime product/structured by local merchant agents. Through concept map-ping and integrative ecosystem modelling, this framework thematically maps partnership archetypes, resource sharing partnerships, and risk coping instruments at the system level to facilitate the delivery of bundled microinsurance products and digital payment services. Drawing on evidence-based digital financial inclusion and participatory ecosystem design good practice, the framework shows strong correspondences between the robustness of the partnership configuration and classification system, and is intended to support the scaling of models that are replicable and scalable. The context can be in particular: Policy recommendations will concentrate on how to enhance the coordination of actions and power-sharing which are directly proportional as what should not be, how to address (e.g. power asymmetry, the breakdown in communication of coordination mechanisms, etc.) A key contribution of this paper is a work taxonomy, which offers actionable insights to practitioners in the field a policy maker towards designing, replicating, and scaling impactful, real-world designed, stakeholder driven digital e-payment architectures for financial inclusion.