Since November, digital e-wallets have provided agency and dignity to the more than 100,000 Syrian refugees living in two refugee camps in Jordan, and that’s a game changer, says the UN refugee agency, UNHCR.

“The mobile wallet is a game changer because it’s not just about [refugees] receiving assistance anymore,” says Mette Karlsen, UNHCR’s cash team leader. “It’s about building toward a future where they can actually manage their own money and they can make their own decisions.” As well as refugees, the wallets also benefit donors, humanitarian and development actors alike.