“Cash transfer programming (CTP) is widely recognized as one of the most significant areas of innovation in humanitarian assistance, with rapid recent growth and huge potential to meet more needs, better.” – The State of the World’s Cash 2018, Cash Learning Partnership (CaLP)

The number of refugees, asylum-seekers and internally displaced people around the world has topped 65 million[1]. Escalating humanitarian crises, rapidly changing political environments has created a class of people in a severe need for a new approach to inclusion. Cash Learning Partnership (CaLP) advocates that direct cash assistance has shown promise in alleviating hardships of various nature for individuals and families in need of humanitarian assistance.

With the ever-growing number of people forcibly displaced from their home countries due to various factors, the technology sector will soon find an answer in form of a new niche, targeting solutions for people that do not fit into any national formal financial system.

Pick #1. The State of the World’s Cash 2018

The benefits of cash-based assistance have been shown to cut across multiple sectors. And many opportunities have been identified to align cash transfer programming (CTP) [direct distribution of money to people in need] with major reforms at every level, from achieving the Sustainable Development Goals and the 2030 Agenda for Sustainable Development, to strengthening social protection systems and realizing the UN’s New Way of Working. CTP has been actively linked to a host of other reforms such as: financial inclusion, the digital revolution, evolving coordination mechanisms, strengthening local leadership, enhancing dignity and accountability to affected populations, and improving monitoring and reporting of results.

At the same time, CTP is not a silver bullet capable of solving

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