Unlocking the Door to Financial Inclusion: The Papua New Guinea Digital Bank Identification Card Pilot Project

Publication | September 2023

In Papua New Guinea, the lack of official identification (ID) documents is a major obstacle to opening a bank account. Overcoming this challenge would require a robust, sustainable digital solution that could work in remote and rural areas with no internet access or electricity.

The Asian Development Bank, in collaboration with the Bank of Papua New Guinea (BPNG), implemented the Digital Bank ID Card pilot project to help more than 2,500 individuals in remote and rural areas secure ID through biometric capture. Other project outcomes include development of an e-Know Your Customer (e-KYC) framework and implementation of a regulatory sandbox for BPNG—the first in the Pacific region.


  • Background
  • Regulatory Context
  • How the Digital ID Card Works
  • The Digital Bank ID Card Pilot
  • Voices of the Pilot Participants: the Cardholders
  • Voices of the Pilot Participants: the Microfinance Institution Agents
  • Success Factors and Lessons Learned
  • Other Uses for the Digital Bank ID Card

Additional Details

  • Finance sector development
  • Banking and non-bank financial institutions
  • Information and Communications Technology
  • Papua New Guinea
  • 12
  • 11 x 8.5
  • ARM230326-2

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