How to Implement
Guidance
Ensure data privacy.
The Scheme rules align with all data privacy regulations. Data privacy rules ensure that end user data is collected in a transparent manner, with consumers’ knowledge, and is limited to data necessary to operate and enhance the Scheme for end users’ benefit (e.g., confirmed fraud reporting, gender disaggregated data).
Minimize end user identifying data in transactions.
Scheme rules should require DFSPs to annually certify that no personally identifiable end user information is carried in the payment transaction, unless provided by the payee and as required by regulation. Any data that is collected is retained only for the length of time it is required, and in line with relevant regulations.
Leverage APIs to minimize personal information in transactions.
Where personal information is needed, consider using API calls to perform validation of this data so that it does not need to travel with the transaction.
Protect data through data security measures.
The Scheme establishes reasonable data security procedures and controls, in line with relevant regulations, to ensure that all data that passes through the Platform is stored and transmitted in a way that prevents access and use by unauthorized parties. The Scheme requires DFSPs to also establish such procedures and controls.
Plan what should happen when something goes wrong.
Scheme rules should specify the circumstances (and process for) DFSPs to report potential disclosure of end user data due to security breaches along with any mandatory actions to be taken if a data leak occurs.
Why It Matters
This helps ensure that end users’ data is collected and used for the agreed upon purpose only and that the data is protected by DFSPs and the Scheme. These efforts to ensure data privacy and security encourage adoption and use by building trust through a safe Inclusive IPS.
Seeing More Clearly
Select a lens to learn the “why” this practice.
Women’s Inclusion
Low-income women are particularly vulnerable to misuse of their private data that can lead to harassment, incidence of fraud, and other safety concerns and thus benefit from strong data privacy policies and rules. Ensuring that DFSPs minimize data to limited purposes and ones that benefit women and secure the data are essential to building women’s trust in the Inclusive IPS.
Fraud Mitigation
Payment messages often capture and transmit rich data elements including sometimes personally identifiable information on end users. Sharing of that data, even for fraud mitigation, requires controls to protect end user privacy and DFSP data confidentiality.
Tools
Market Illustrations
Learn from design choices in action.
Global Approaches to Alias Addressing
Country
Multiple
Challenge
Not all users are comfortable with or have access to any given alias type, and women are more likely to encounter limitations because of privacy concerns and technology access.
Outcome
As a result of Inclusive IPS supporting multiple alias options, end users can use the alias they feel most comfortable with.
Gatekeeper Engagement from TEB Bank Turkey and Jazz Cash Pakistan
Country
Turkey, Pakistan
Challenge
DFSPs in each country recognized the impact of gatekeepers on women’s financial inclusion.
Outcome
Through targeted engagement campaigns, providers have challenged traditional gender norms related to financial inclusion.
Representative Communications Example from Pakistan
Country
Pakistan
Challenge
In Pakistan, women’s adoption of digital financial services lags men’s, with only about 10–15% of JazzCash users being women.
Outcome
Targeted SMS campaigns led to a 34% increase in account opening referrals, particularly by women.
Financial Capability Initiative Led by IPS: Jordan’s JoPACC
Country
Jordan
Challenge
Despite advancements in Jordan’s digital payment payments, financial inclusion remains a challenge, particularly among smallholder farmers and rural vendors.
Outcome
A targeted intervention campaign at the National Olive Festival led to higher digital payment usage, supporting financial inclusion goals.
Digitalizing Female Garment Worker Salary Payments in Bangladesh with HerProject
Country
Bangladesh
Challenge
In Bangladesh, female garment workers faced major barriers to digital financial inclusion, including low digital literacy, restrictive social norms, and limited access to mobile financial services and mobile phone devices.
Outcome
As a result of digital literacy training and social norms interventions, many women began actively using their accounts for savings and transactions beyond wage receipt, indicating stronger engagement with formal financial services.
Building Financial Capability in G2P Payments in Zambia
Country
Zambia
Challenge
Women in Zambia’s poorest communities faced limited financial literacy, low participation in formal financial systems, and barriers to accessing and using financial products, which constrained their ability to save, invest, and manage payments effectively.
Outcome
100% of Zambia Girls’ Education and Women’s Empowerment Livelihoods Project participants use digital payments to receive their GEWEL benefits.
Rethinking the POS through Audio Notifications To Make User Interfaces More Inclusive
Country
India
Challenge
Consumers and merchants require a confirmation to ensure that a merchant transaction has been completed successfully, and must both be aware of this notification simultaneously in order for it to be effective.
Pix Scheme Rules Set Minimum Requirements for Notifications
Country
Brazil
Challenge
Users may experience transaction failures or delays for a variety of reasons.
Outcome
Through Pix’s required notifications, users clearly understand why something has gone wrong and what might happen as a result.
Pix Randomized Key Alias
Country
Brazil
Challenge
In designing Pix, the Brazilian central bank recognized the need to offer a variety of alias options
Outcome
The randomized key is the most used alias, with the key representing 49% of total registered aliases
Certainty of Payee in UPI (India)
Country
India
Challenge
Users must have a way to ensure that they are sending funds to the correct recipient.
Outcome
UPI offers a clear, consistent way to ensure that funds are sent to the correct recipient.
Certainty of Payee Flow in Pix (Brazil)
Country
Brazil
Challenge
Users must have a way to ensure that they are sending funds to the correct recipient.
Outcome
Pix offers a clear, consistent way to ensure that funds are sent to the correct recipient.
Complaint and Funds Refund Mechanism in Brazil
Country
Brazil
Challenge
Pix recognized that some potential and existing users of the IPS were concerned about using the system for fear of experiencing fraud and loss of funds.
Outcome
Pix’s Special Mechanism for Return is used extensively, although recovery of funds tends to be limited. Further improvements are planned.
Related Resources
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