The Digital Wages resource hub aims to centralize and share the different tools that have been developed to help companies and organizations integrate wage digitization in a way that considers the needs of female workers. These resources draw on learning from wage digitization programs, however, are relevant and can be used by any digitization of payments initiative. For further information, please contact us.
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HERfinance Posters
A set of six posters which provides information about financial services and financial management. The posters follow HERfinance curriculum, and can be used during training, or directly by factories. They are available in several languages—see links below.
Blog
Expanding Financial Inclusion in Vietnam: Impact on Business and Workers
In a new report, HERproject shares insights from HERfinance Vietnam on how financial inclusion programs can improve financial resilience for workers and create broader business benefits for employers.
Report
Advancing Digital Financial Inclusion for Garment Workers in Vietnam
This impact report shares the benefits for garment sector workers and businesses following participation in HERfinance in Vietnam, developed with support from The Walt Disney Company.
Report
Responsible Digital Wages: An Industry Stakeholder Approach to Supporting Female Workers to Access, Use and Benefit from Payroll Accounts
This report describes HERproject’s industry stakeholder approach to expand support for workers to use and benefit from their payroll accounts, including advice for stakeholders to integrate a gendered approach to digital wages training into existing training programs.
Report
The Potential Gains of Digitizing Garment Sector Wages in Cambodia
Digitizing wages in Cambodia’s garment sector has the potential to drive efficiency in the supply chain, while bringing large numbers of unbanked workers, especially women, into the formal financial system. This blog details research by HERproject and IFC, under the ILO/IFC Better Work partnership, in close collaboration with Better Factories Cambodia and Microfinance Opportunities.
Report
Wage Digitization in Egypt’s Garment Sector: Impact for Business, and for Female and Male Workers at Lotus Garments Group
This report shares the benefits of wage digitization for business and workers, especially women, following participation in HERfinance in Egypt.
Report
Within Reach How Digital Wages That Work for Women Can Support Bangladesh’s Economic Future
This report details HERproject's progress towards wage digitization, three plausible alternative futures to what wage digitization may look like in 10 years, and recommendations for action to strengthening digital payment systems that empowers workers.
Report
Garment Sector Wage Digitization: Practical Guides
A series of practical guides detailing insights and lessons for wage digitization for global buyers, financial service providers employers, and financial inclusion and gender practitioners.
Report
Advancing Digital Financial Inclusion for Garment Workers in India Impact for Women and Business
This report shares the benefits for garment sector workers and business following participation in HERfinance in India.
Tool
HERfinance Audio Files
HERproject has developed audio messages that provide information about using financial services and money management, which can be played on the public address (PA) system. They are available in several languages-see links below.
Tool
HERfinance Digital Wages Videos and Animations
HERfinance Digital Wages videos and animation, developed with QuizRR, are part of HERfinance Digital Wages Tech Learning Tool. All films and animations are directly available on our HERproject YouTube channel, and give engaging guidance and information for workers around financial services and improving financial health. They follow HERfinance Digital Wages curriculum, and can be used during training, or shown on their own—such as in factory canteens.
Impact Story
HERfinance Digital Wages: Small Investment, Big Impact
230 million unbanked adults globally receive their private-sector wages in cash. However, cash is risky, inefficient, and disempowering. BSR has therefore partnered with the Bill & Melinda Gates Foundation to digitize wage payments for low-income workers in global supply chains. This video shows the impact on one woman's life.
Tool
HERfinance Digital Wages Tech Learning Tool for Workers
HERfinance Digital Wages Tech Learning Tool, developed by HERproject and Mastercard Center for Inclusive Growth, in collaboration with QuizRR, uses engaging films, quizzes, and animations to support workers to increase their financial health and benefit from digital wages. The tool also increases workers' digital literacy and confidence to use technology, especially for women.
Access to training materials like this requires an account for funder-reporting purposes. Please create an account or, if you have one already, please login.
Tool
HERfinance Digital Wages Toolkit for Managers
BSR's HERproject and Mastercard Center for Inclusive Growth have developed a technology learning tool to support garment factories with the transition from cash to digital wages. Based on HERfinance Digital Wages program developed in partnership with the Bill & Melinda Gates Foundation, the tech learning tool uses engaging films, quizzes and animations to support workers to increase their financial health and benefit from digital wages. The tech learning tool also increases workers digital literacy and confidence to use technology, especially for women. Available in English, Bangla, Khmer, Simplified Chinese, and Arabic.
Blog
Garment Workers’ Financial Behaviors during the COVID-19 Crisis: Lessons Learned from Factories in Bangladesh, Egypt, and India
Interviews led by HERproject suggest that female and male garment workers were more financially resilient following wage digitization and financial capability training. However, the systemic gender inequalities that have long affected women and girls were exacerbated during the COVID-19 pandemic.
Blog
Utilizing Technology to Increase Women’s Financial Capability and Ensure Gender-Inclusive Digital Finance in the Global Supply Chain
Training and support are vital to help workers, especially women, transition to digital wages and help them to access, use, and ultimately benefit from their new payroll accounts.
Blog | Report
Digital Wages Positive Impact for Women and Business
This report presents the impact of HERfinance Digital Wages Program in Bangladesh, outlining the positive impact on both factories and workers. It also outlines challenges and recommendations relating to gender barriers, the RMG industry, and Mobile Financial Services.
Blog
A Phone Can Only Do So Much: Why Mobile Access Isn’t Leading To Digital Financial Service Usage Among Women in India
New research from HERproject and MSC confirms that greater efforts are needed to build Indian female workers' knowledge, confidence, and agency regarding digital financial services.
Blog
Scaling the Impact of Digital Financial Services: The Opportunity and Imperative during COVID-19
In a new report, HERproject and the Mastercard Center for Inclusive Growth share lessons and insights from Digital Wages programs that can help companies, governments, and financial service providers scale up digital payments for low-income workers after COVID-19.
Report
Digitizing for Inclusion: Insights from Wage Digitization in the Garment Sector
BSR's HERproject and the Mastercard Center for Inclusive Growth share five insights on inclusive wage digitization in the garment sector.
Blog
Building Financial Resilience of Low-Income Groups for Emergency Preparedness: Experiences from HERfinance India
In this blog, Payal Dalal, Senior Vice President of Mastercard Center for Inclusive Growth and Christine Svarer, Director of HERproject discuss the opportunity to accelerate the transition to digital financial services and generate positive impact for low-income workers across the global supply-chains, and considerations required to ensure the transition is inclusive, effective, and beneficial to all.
Blog
Rapid Wage Digitization in Bangladesh: Implications for Women in the Era of COVID-19
With reference to Bangladesh’s rapid digitization program in response to COVID-19, this blog highlights how the large-scale digitization of wages can benefit women, as well as the barriers and challenges that needs to be addressed to deliver the full benefit of wage digitization.
Report
HERfinance Wage Digitization in Bangladesh: Applying a Gender Lens
This brief explains wage digitization and its potential to contribute to women’s empowerment, presents learnings from HERfinance Digital Wages Program, and provides recommendations for employers and practitioners to ensure wage digitization is gender responsive and that women fully benefit from the transition.
Report
Financial Behavior of Female Garment Workers in India
This quantitative research by MSC, commissioned by BSR, analyzed the financial behavior of female garment workers in India as part of efforts to improve wage digitization processes and methodology.
Blog
How Technology Can Take Financial Inclusion Training Further and Deeper
This blog explains how the HERfinance Digital Wages Tech Learning Tool incorporates technology to make learning and training more engaging for workers. It also discusses how technology can play a role in bridging the digital gender divide and giving women the skills that they will need in the economies of the future.
Impact Story
Merina Akter
Keeping cash on me used to be extremely stressful. I used to sometimes keep cash at home, but then on the 22 July, someone broke into our house and robbed us. They did not find any cash though.
Impact Story
Abdul Kalam Azad
When we transport cash from the bank to the factory to pay salaries, the finance department feels an enormous sense of risk.
Report
Financial Needs of Garment Workers in India
This report examines the opportunity to expand financial inclusion for women in India’s garment sector by increasing women’s access to and use of mobile financial products and services.
Blog
The Digital Payments Opportunity: A Conversation
A discussion with UN-based Better Than Cash Alliance's Private Sector Digital Innovation Lead Marjolaine Chaintreau and BSR's HERproject Associate Director Chhavi Ghuliani on digital wages.
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