The long-term value of a G2P payment program is lost if recipients treat their accounts purely as temporary transit points, withdrawing their entire welfare allocation as cash at the nearest agent counter immediately upon receipt.
The Product Adoption Lifecycle
To drive deep financial inclusion, central banks incentivize the development of a complete digital ecosystem around G2P entry points:
[Welfare Account Balance Received] 
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           v
[Pay Local Merchants via QR Codes] ----> Retains capital inside digital payment networks
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           v
[Access Micro-Savings Platforms] ------> Builds household emergency financial cushions
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           v
[Secure Targeted Crop Insurance] ------> Protects smallholder farmers from climate sh
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