[vc_row equal_height="yes" content_placement="middle" type="image" bg_position_horizontal="center" enable_parallax="false" parallax_speed="0.4" padding_top="110" padding_bottom="0" bg_image="11981"][vc_column][kleo_gap size="100px"][vc_row_inner][vc_column_inner width="1/12"][/vc_column_inner][vc_column_inner width="5/6"][vc_custom_heading text="DIGITAL READINESS" font_container="tag:h2|font_size:28px|text_align:center|color:%23ffffff|line_height:34px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][vc_custom_heading text="HOW DIGITALLY READY
ARE THE URBAN ULTRA-POOR?" font_container="tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][vc_column_text text_color="#ffffff" font_size="24px" letter_spacing=""]
<p class="lh30" style="text-align: center;">Urban slums and low-income residential communities represent dense, self-contained transaction ecosystems that are relevant targets for digital payment and finance programs.</p>
[/vc_column_text][/vc_column_inner][vc_column_inner width="1/12"][/vc_column_inner][/vc_row_inner][kleo_gap size="130px"][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="middle" padding_bottom="0"][vc_column width="1/2"][/vc_column][vc_column width="1/2"][vc_row_inner equal_height="yes" content_placement="middle"][vc_column_inner width="5/12"][/vc_column_inner][vc_column_inner width="1/3" css=".vc_custom_1488531456733{padding-right: 0px !important;}"][vc_column_text letter_spacing=""][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width="1/4" css=".vc_custom_1488531444909{padding-left: 0px !important;}"][kleo_button title="Print this page" href="https://cashlesscatalyst.org/wp-content/uploads/2018/02/Digital-readiness-for-urban-slum.pdf" target="_blank" style="custom" position="left" size="lg" special="no" border="no" icon="print" font_size="16px" letter_spacing="" el_class="grey-icon" custom_text="#d11e3c"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="color" bg_color="#ffffff"][vc_column][vc_row_inner equal_height="yes"][vc_column_inner width="1/2"][vc_column_text text_color="#383b3b" font_size="16px" letter_spacing="" el_class="ptext-justify lh22"]Urban slums and low-income residential communities represent dense, self-contained transaction ecosystems that are relevant targets for digital payment and finance programs. Financial inclusion through digitization of the payment landscape can ensure direct and tangible benefits in the form of reduced volatility in household income and expenditure as well as overall financial stability.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/2"][vc_column_text text_color="#383b3b" font_size="16px" letter_spacing="" el_class="ptext-justify lh22"]IFMR LEAD and Catalyst, in collaboration with SEWA Bharat, conducted a survey of 442 ultra-poor households in the Bhatta Basti area of Jaipur which has a largely migrant settlement of approximately 10,000 households with an estimated population over 45,000 persons.

The survey focused on documenting the current needs, behaviors, and perceptions with regard to digital payments and finance.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="color" bg_color="#d1203d"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text="DIGITAL READINESS QUALIFIERS" font_container="tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width="1/3"][vc_single_image image="11974" img_size="596*550" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518601005617{margin-top: 40px !important;margin-bottom: 40px !important;}"][vc_custom_heading text="Bank account ownership &amp; usage" font_container="tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css_animation="fadeIn" letter_spacing="" css=".vc_custom_1518601506829{padding-right: 28% !important;padding-left: 28% !important;}"][/vc_column_inner][vc_column_inner width="1/3"][vc_single_image image="11975" img_size="596*550" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518601024916{margin-top: 40px !important;margin-bottom: 40px !important;}"][vc_custom_heading text="Mobile ownership &amp; usage" font_container="tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css_animation="fadeIn" letter_spacing="" css=".vc_custom_1518601520776{padding-right: 28% !important;padding-left: 28% !important;}"][/vc_column_inner][vc_column_inner width="1/3"][vc_single_image image="11976" img_size="596*550" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518601043846{margin-top: 40px !important;margin-bottom: 40px !important;}"][vc_custom_heading text="Awareness &amp; perceptions regarding digital payment mechanisms" font_container="tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css_animation="fadeIn" letter_spacing="" css=".vc_custom_1518601592629{padding-right: 25% !important;padding-left: 25% !important;}"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="color" bg_color="#ffffff"][vc_column][vc_custom_heading text="WHAT DOES THE URBAN ULTRA-POOR LOOK LIKE?" font_container="tag:h2|font_size:26px|text_align:center|color:%23373a3a|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][vc_row_inner equal_height="yes"][vc_column_inner][vc_single_image image="11982" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="image" bg_position_horizontal="center" enable_parallax="false" parallax_speed="0.4" bg_image="11985"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text="BANK ACCOUNT OWNERSHIP AND USAGE" font_container="tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][vc_single_image image="11984" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518604159826{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="image" bg_position_horizontal="center" bg_image="7841"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text="MOBILE OWNERSHIP AND USAGE" font_container="tag:h3|font_size:26px|text_align:center|color:%23373a3a|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height="yes"][vc_column_inner width="5/12"][vc_single_image image="11990" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518605615147{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="1/6"][vc_single_image image="11995" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606236048{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="5/12"][vc_single_image image="11991" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518605640397{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_separator color="custom" style="dashed" accent_color="#000000"][kleo_gap size="20px"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text="Smartphone Usage" font_container="tag:h4|font_size:20px|text_align:center|color:%23373a3a|line_height:26px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal" letter_spacing=""][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height="yes"][vc_column_inner width="1/3"][vc_single_image image="11997" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606424233{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="1/3"][vc_single_image image="11998" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606441292{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="1/3"][vc_single_image image="11999" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606459636{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height="yes"][vc_column_inner][vc_single_image image="12000" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606509484{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="image" bg_position_horizontal="center" enable_parallax="false" parallax_speed="0.4" bg_image="12002"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text="AWARENESS AND PERCEPTIONS ON DIGITAL PAYMENTS" font_container="tag:h4|font_size:26px|text_align:center|color:%23ffffff|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][vc_single_image image="12001" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606637318{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="image" bg_position_horizontal="center" enable_parallax="false" parallax_speed="0.4"][vc_column][vc_row_inner][vc_column_inner width="1/4"][/vc_column_inner][vc_column_inner width="1/2"][vc_custom_heading text="HOUSEHOLD PREFERENCES REGARDING MODE OF PAYMENTS ARE INFLUENCED BY THEIR KNOWLEDGE, ACCESS AND WILLINGNESS" font_container="tag:h4|font_size:26px|text_align:center|color:%23373b3b|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing=""][/vc_column_inner][vc_column_inner width="1/4"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement="middle"][vc_column_inner width="1/2"][vc_custom_heading text="While cash is still the most preferred choice for making payments on most dimensions, the community sees merit in digital from greater security and proof of record. " font_container="tag:p|font_size:18px|text_align:right|color:%23373a3a|line_height:24px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal" letter_spacing=""][vc_single_image image="12004" img_size="full" alignment="right" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518607215325{margin-top: 40px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="1/2"][vc_single_image image="12003" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518606983723{margin-top: 40px !important;margin-bottom: 40px !important;}"][vc_custom_heading text="4% of respondents identified trade credit as a preferred mode of payment for the speed, cost and proof of transaction." font_container="tag:div|font_size:16px|text_align:left|color:%23414142|line_height:22px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" letter_spacing=""][vc_custom_heading text="<sup>*</sup>Confined to the 33% who were aware of digital payments" font_container="tag:div|font_size:14px|text_align:right|color:%23231f20|line_height:20px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" letter_spacing=""][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="middle" type="image" bg_position_horizontal="center" enable_parallax="false" parallax_speed="0.4" bg_image="12011"][vc_column width="1/4"][vc_row_inner content_placement="middle"][vc_column_inner css=".vc_custom_1518609633726{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;background-color: rgba(6,6,6,0.65) !important;*background-color: rgb(6,6,6) !important;border-left-color: #ffffff !important;border-left-style: solid !important;border-right-color: #ffffff !important;border-right-style: solid !important;border-top-color: #ffffff !important;border-top-style: solid !important;border-bottom-color: #ffffff !important;border-bottom-style: solid !important;}"][vc_single_image image="12008" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518608118759{margin-top: 40px !important;margin-bottom: 40px !important;}"][vc_custom_heading text="<strong>Top 3 reasons</strong> for non-adoption of digital payment systems and opportunities to address them" font_container="tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" letter_spacing="" css=".vc_custom_1518609644353{padding-right: 5% !important;padding-left: 5% !important;}"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/12"][/vc_column][vc_column width="2/3"][vc_row_inner content_placement="top"][vc_column_inner width="1/6"][vc_single_image image="12009" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518614336921{margin-top: 0px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="5/6"][vc_custom_heading text="Difficulty with usage and understanding" font_container="tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal" css_animation="fadeIn" letter_spacing=""][kleo_list type="icons" icon_color="yes" inline="yes" align="left" el_class="whiteList"][kleo_list_item icon="stop"]Community learning programs – <em class="fw300">(Enablers)</em>[/kleo_list_item][kleo_list_item icon="stop"]Mobilizing campaigns championed by community leaders and identified change agents - <em class="fw300">(Enablers &amp; Financial Service Providers)</em>[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement="top"][vc_column_inner width="1/6"][vc_single_image image="12014" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518614348999{margin-top: 0px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="5/6"][vc_custom_heading text="Merchant preferences for cash-based payments" font_container="tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal" css_animation="fadeIn" letter_spacing=""][kleo_list type="icons" icon_color="yes" inline="yes" align="left" el_class="whiteList"][kleo_list_item icon="stop"]Incentivizing/ subsidizing uptake of digital payment mechanisms among resident small merchants – <em class="fw300">(Local Government Agencies)</em>[/kleo_list_item][kleo_list_item icon="stop"]Access to credit via digital payment platforms - <em class="fw300">(Financial Service Providers)</em>[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement="top"][vc_column_inner width="1/6"][vc_single_image image="12015" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518614360045{margin-top: 0px !important;margin-bottom: 40px !important;}"][/vc_column_inner][vc_column_inner width="5/6"][vc_custom_heading text="Lack of access to digital money solutions" font_container="tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal" css_animation="fadeIn" letter_spacing=""][kleo_list type="icons" icon_color="yes" inline="yes" align="left" el_class="whiteList"][kleo_list_item icon="stop"]Better Infrastructure – <em class="fw300">(Local Government Agencies)</em>[/kleo_list_item][kleo_list_item icon="stop"]More awareness and information on potential benefits - <em class="fw300">(Enablers &amp; Financial Service Providers)</em>[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text="WHAT DO WE KNOW?" font_container="tag:h4|font_size:26px|text_align:center|color:%23373a3a|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" css_animation="fadeIn" letter_spacing=""][kleo_gap][vc_column_text text_color="#373a3a" font_size="18px" letter_spacing="" el_class="lh24"]The needs assessment study recorded that the ultra-poor migrant community of Bhatta Basti, although interested in trying digital payment systems, does not yet have the technical and logistical capabiities needed to do so wholly and immediately.

Key ecosystem actors including financial service providers, local government agencies, and enablers like Catalyst or local community organizations need to collaborate so that systematic efforts can be put in place to ensure active banking, greater access to internet and payment devices, and higher awareness regarding non-smartphone based payments like USSD and AEPS.[/vc_column_text][kleo_list type="icons" icon_color="yes" inline="yes" align="left" el_class="redList"][kleo_list_item icon="stop"]Build awareness and digital literacy on need, benefits, and options for financial inclusion[/kleo_list_item][kleo_list_item icon="stop"]Provide easier access to banks to drive deposit and withdrawal activity[/kleo_list_item][kleo_list_item icon="stop"]Introduce solutions that are compatible with local available infrastructure[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][kleo_gap size="30px"][vc_custom_heading text="WHAT CAN BE DONE?" font_container="tag:h4|font_size:26px|text_align:center|color:%23373a3a|line_height:32px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" css_animation="fadeIn" letter_spacing=""][kleo_gap][vc_single_image image="12019" img_size="full" alignment="center" animation="animate-when-almost-visible" css_animation="el-fade" css=".vc_custom_1518610306121{margin-top: 40px !important;margin-bottom: 40px !important;}"][vc_column_text text_color="#373a3a" font_size="18px" letter_spacing="" el_class="lh24"]
<p style="text-align: center;">A staged, structured approach to the above is needed to improve digital payments and finance penetration in the community. This will require a multi-stakeholder effort comprised of Financial Service Providers, Government Agencies, Community Organizations and change 'Enablers' such as Catalysts.</p>
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