Merchant Payments Observatory

Who's Really Going Cashless? We Asked the Merchants.

The Digital Merchant Payments Observatory is a multi-country initiative tracking digital payment adoption among micro-enterprises in Nigeria, Ethiopia, and Pakistan. Current payment data often overlooks peripheral, cash-based merchants. To address this, the Observatory conducts a nationally representative, longitudinal survey of formal and informal businesses — including cash-only merchants — to understand adoption trajectories and the impact of market interventions over a multi-year period.

Wave 1 results are now available for Ethiopia and Nigeria. Explore the findings in the interactive dashboard →