This paper reviews evidence on the benefits and challenges faced by governments migrating from cash to digital (electronic) government-to-person (G2P) payments. When supported by an appropriate consumer financial protection framework, digital payments enable confidential and convenient financial services, which can be especially important for women. By shifting government wages and social transfers into accounts, governments can lead by example. Digitizing G2P payments has the potential to dramatically reduce costs, increase efficiency and transparency, and help recipients build familiarity with digital payments. Digital wage and social transfer payments can also provide the on-ramp to financial inclusion and in many cases the first account that the recipient has in her own name and under her control. However, digitizing G2P payments is not without its challenges. Most importantly, digitization may require significant up-front investments in building an adequate physical payment infrastructure that is able to process such payments, as well as a financial identification system and a consumer protection and education framework to ensure that recipients have safe, reliable, and affordable access to the digital payment system.

中文翻译：

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数字化政府间个人支付的机遇与挑战

本文回顾了政府从现金转移到数字（电子）政府对个人（G2P）付款所面临的好处和挑战的证据。在适当的消费者金融保护框架的支持下，数字支付可以提供机密和便捷的金融服务，这对于女性而言尤其重要。通过将政府工资和社会转移转移到帐户中，政府可以以身作则。数字化G2P付款有可能极大地降低成本，提高效率和透明度，并帮助收件人建立对数字付款的熟悉度。数字工资和社会转移支付还可以为金融普惠提供入口，在许多情况下，还可以提供接收人以其本人的名义并在其控制下的第一个帐户。然而，数字化G2P付款并非没有挑战。最重要的是，数字化可能需要大量的前期投资，以建立能够处理此类支付的适当实物支付基础设施，财务识别系统以及消费者保护和教育框架，以确保收件人具有安全，可靠和安全的环境。负担得起的数字支付系统访问权限。