HERfinance Resource Hub

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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 thumbnail
Tool

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 English, Bangla and Khmer, and will be shortly available in Arabic, Hindi, Kannada and Tamil.
HERfinance Digital Wages Videos and Animations thumbnail
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 in Bangladesh and Cambodia. 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.

HERfinance Digital Wages: Small Investment, Big Impact thumbnail
Tool

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.
HERfinance Digital Wages Tech Learning Tool for Workers thumbnail
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.

HERfinance Digital Wages Toolkit for Managers thumbnail
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.

Garment Workers’ Financial Behaviors during the COVID-19 Crisis: Lessons Learned from Factories in Bangladesh, Egypt, and India   thumbnail
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.   
Utilizing Technology to Increase Women’s Financial Capability and Ensure Gender-Inclusive Digital Finance in the Global Supply Chain thumbnail
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.
Digital Wages Positive Impact for Women and Business thumbnail
Blog | Report | Tool

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.
A Phone Can Only Do So Much: Why Mobile Access Isn’t Leading To Digital Financial Service Usage Among Women in India thumbnail
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.
Scaling the Impact of Digital Financial Services: The Opportunity and Imperative during COVID-19 thumbnail
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.
Digitizing for Inclusion: Insights from Wage Digitization in the Garment Sector thumbnail
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.
Building Financial Resilience of Low-Income Groups for Emergency Preparedness: Experiences from HERfinance India thumbnail
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.
Rapid Wage Digitization in Bangladesh: Implications for Women in the Era of COVID-19 thumbnail
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.
HERfinance Wage Digitization in Bangladesh: Applying a Gender Lens thumbnail
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.
Financial Behavior of Female Garment Workers in India thumbnail
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.
How Technology Can Take Financial Inclusion Training Further and Deeper thumbnail
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.
Merina Akter thumbnail
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.
Abdul Kalam Azad thumbnail
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.
Financial Needs of Garment Workers in India thumbnail
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.
The Digital Payments Opportunity: A Conversation thumbnail
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.
Lucky thumbnail
Impact Story

Lucky

In the past, when we received our salary in cash, I used to face a lot of problems. I share the house, so I didn’t know where to keep my money safely.