[vc_row padding_top="0" padding_bottom="0" padding_left="0" padding_right="0"][vc_column css=".vc_custom_1483090259733{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}"][vc_row_inner css=".vc_custom_1483090433680{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #4e4e4e !important;}"][vc_column_inner][vc_custom_heading text="INITIAL LEARNINGS" font_container="tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:46px" google_fonts="font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal" letter_spacing="" el_class="ptl-title" link="url:https%3A%2F%2Fwww.globalinnovationexchange.org%2Fresources%2Fusaid-digital-payments-india-merchant-and-consumer-research-resources||target:%20_blank|"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner css=".vc_custom_1483091097273{padding-top: 0px !important;padding-right: 10px !important;padding-bottom: 2% !important;padding-left: 10px !important;}"][vc_column_text font_size="14px" letter_spacing="" el_class="ptlcontent-right" css=".vc_custom_1488891700339{padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;}"]<a href="https://www.globalinnovationexchange.org/resources/usaid-digital-payments-india-merchant-and-consumer-research-resources" target="_blank">In its first phase, USAID commissions Dalberg Social Advisors to conduct structured research and implement ground-level experiments with different payment stakeholders across multiple environments (e.g., urban, rural) and contexts (e.g., consumer retail, lending, supply chain). The program generates insights and ideas to overcome barriers faced by small merchants and low income consumers in the adoption and use of digital payments. USAID also convenes 40 partner organizations including private, public and non-profit sector organizations to advance this program.</a>[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]