User Awareness and Capability Building

Collaborate and engage ecosystem in user awareness.

The Inclusive IPS collaborates with DFSPs, regulators, and a representative range of end users to increase low-income end user’s awareness of the benefits of available Inclusive IPS services and products, how to use them, and expected fees and risks.

Establish an integrated, capability-building approach.

A capability building approach should be integrated into the end users’ engagement with payment services, from initial awareness training, through first use, and sustained engagement. Capability approaches capitalize on learning-by-doing and motivate meaningful learning with the promise of tangible value. This approach is particularly beneficial for low-income women as the disbursement of government social payments (G2P) and digital wages (B2P), are often their first exposure to digital payments, and provides a particularly meaningful opportunity to integrate a capability approach.

Deliver fraud awareness education.

The Scheme requires DFSPs to educate end users, employees, and partners on fraudster tactics and mitigation practices on an ongoing basis and at payment initiation using proven approaches.

Market and educate with representative communication.

Marketing and financial capability campaigns delivered through videos, billboards, signs, and other visual methods, prominently feature women from various statuses as users and purveyors of Inclusive IPS.

Engage Gatekeepers toward transformation.

Regulators, DFSPs, and Schemes themselves find opportunities to acknowledge and influence social norms constraining women’s use of digital payments, including incorporating intentional strategies to engage gatekeepers* in their financial capability efforts, go-to-market strategies and awareness campaigns. Successful engagements will transform gatekeepers into champions of women’s full financial participation in the household and economic system.

*Gatekeepers is a term used to describe an individual who exerts control, explicit or implicit, over women’s financial choices and behaviors. These include stakeholders such as husbands, male relatives, mothers-in-law, community leaders, government leaders, and employers.