The Future of Government-to-Person (G2P) Payments: Three Years of Learning About G2P Choice in Zambia

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The slide deck is related to the CGAP blog "The Benefits of G2P Choice: Zambia Leads the Way" (April 2021).

In 2017, Zambia’s Ministry of Community Development and Social Services (MCDSS) launched digital payments under the Girls Education and Women’s Empowerment and Livelihoods (GEWEL) project. Payments are made from the government directly into recipient accounts at a variety of financial services providers, including banks and mobile money providers. The novelty of this approach is that the MCDSS developed a customer choice model that allows beneficiaries to choose at which of the participating providers they wish to receive their grant. This case study summarizes key lessons learned during the first three years of implementing a choice-based G2P payments model.


This work was funded in whole or in part by CGAP. Unlike CGAP's official publications, it has not been peer reviewed or edited by CGAP, and any conclusions or viewpoints expressed are those of the authors, and they may or may not reflect the views of CGAP staff.

About this Publication

By Silvia Baur-Yazbeck, Emma Wadie Hobson & Mutale Chimba