Why digital payments still stop at the small shop—and how to fix it Oya ArdicSalvador Perez-Galindo March 17, 2026 This page in: English العربية © 2026 World Bank Group,

https://blogs.worldbank.org/en/psd/why-digital-payments-still-stop-at-small-shop-how-to-fix-it Over the past decade, countries have invested heavily in modern payment systems. Fast payment systems are now widely available, even in many low- and middle-income countries. In many emerging markets, most adults own a debit card, a wallet or transaction account. On paper, the digital rails are in place. © 2026 World Bank Group,