## How do people receive payments for agricultural products?

GO TO BOX 2.2 FIGURE 2.6 About one in four adults in developing economies reported receiving payments for the sale of their family’s agricultural products in the past 12 months (figure 2.6). Across all developing regions, these payments are received almost exclusively in cash. Sub-Saharan Africa is a notable exception. There, 5 percent of adults—or 13 percent of recipients—reported receiving these payments directly into an account, mostly into a mobile money account.

<!-- Start of picture text --> Agricultural payment recipients and how they receive payments<br>Adults receiving payments for agricultural products in the past year,<br>by method (as % of all adults), 2014<br><!-- End of picture text --> <!-- Start of picture text --> 37<br>33<br>26<br>Using other method<br>22<br>14<br>In cash only<br>7 8<br>Into an account<br>East Asia Europe Latin Middle South Sub-Saharan Developing<br>& Pacific & Central America & East Asia Africa economies<br>Asia Caribbean<br>Source: Global Findex database.<br><!-- End of picture text --> Digital payments for the sale of agricultural products have particularly taken off in Kenya, Tanzania, and Uganda—three of the six countries where more than half of adults reported receiving agricultural payments. In Kenya 20 percent of adults—or 37 percent of recipients—receive the payments into an account, again mostly into a mobile money account (box 2.2). In the other two countries this is the case for about 10 percent of adults—or for 24 percent of recipients in Tanzania and 15 percent in Uganda.

# Payments from people to businesses or government

In looking at payments that people make to businesses or government—for utility bills or for school fees—this section distinguishes at the global and regional level between payments made in cash only and payments made from an account. While survey respondents could report having paid utility bills or school fees by using a mobile phone to make an OTC transaction, less than 1 percent of adults did so in all regions. In about a dozen countries, however, the survey results indicate greater use of this practice: up to 10 percent of adults reported making payments for utility bills or school fees through a mobile phone but not having a mobile money account. In these cases the discussion distinguishes between the different ways of making a digital payment.

## How do people pay utility bills?

Globally, 60 percent of adults reported having made regular payments for water, electricity, or trash collection in the past 12 months (figure 2.7). In high-income OECD economies and East Asia and the Pacific close to 80 percent reported doing so. South Asia and Sub-Saharan Africa are the only regions where less than half reported making utility payments.

In high-income OECD economies the vast majority of those making utility payments FIGURE 2.7 <!-- Start of picture text --> Utility payers and how they make payments<br>Adults paying utility bills in the past year, by method (as % of all adults), 2014<br><!-- End of picture text --> <!-- Start of picture text --> Using other method<br>78<br>76 In cash only<br>70<br>From an account<br>62<br>52<br>37<br>26<br>East Asia Europe High-income Latin Middle South Sub-Saharan<br>& Pacific & Central OECD America & East Asia Africa<br>Asia economies Caribbean<br>Source: Global Findex database.<br><!-- End of picture text -->

> THE GLOBAL FINDEX DATABASE 33