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E-Payments Deliver 15% Greater Cost
Efficiency in Kenya
Is This the Future of Food Aid?
March 19, 2014
Dr. Ruth Goodwin-
Groen
Managing Director,
Better Than Cash Alliance
Introducing Our Speakers
2
Jamie Zimmerman
Senior Ass...
Session Agenda
• Introduction to the Better Than Cash Alliance
• Methodology
• Key Findings
• WFP “Cash for Assets” Journe...
Poll #1: Which category does your
organization align with most?
• Government
• Private sector (financial service provider,...
The Better Than Cash Alliance
Governments, private sector and development
organizations committed to a global movement
fro...
The case study is part of a cross-
country comparative study of
government-to-person (G2P) and
donor-to-person (D2P) payme...
Key Findings
1. E-payments were 15% more cost
efficient than in-kind distribution
Join the discussion on Twitter: Use
#BTC...
Key Findings
1. E-payments were 15% more cost
efficient than in-kind distribution
2. E-payments scaled up from 5,000 to
81...
Key Findings
1. E-payments were 15% more cost
efficient than in-kind distribution
2. E-payments scaled up from 5,000 to
81...
Poll #2: In which phase of the shift to electronic
payments is your organization?
• Have not started (either in-kind or ca...
WFP tested different delivery models,
including mobile money and card-based
payment systems:
• Mobile money was faster to ...
• WFP overcame challenges with
recipients’ lack of ID and tough
registration conditions
• WFP-trained staff used to delive...
13
Results
Join the discussion on Twitter: Use
#BTCAwebinar and @BetterThan_Cash
• Stronger controls on aid delivery
• Hig...
Poll #3: What is the most important reason to shift
to electronic payments for your organization?
• Cost saving
• Better s...
Key Lessons for Stakeholders
1 Ensure a strong delivery
value chain
Join the discussion on Twitter: Use
#BTCAwebinar and @...
Key Lessons for Stakeholders
1 Ensure a strong delivery
value chain 2Invest in partnerships to
amplify efficiency
Join the...
Key Lessons for Stakeholders
1 Ensure a strong delivery
value chain
3Ensure a predictable flow of
funds before committing ...
Key Lessons for Stakeholders
1 Ensure a strong delivery
value chain
3Ensure a predictable flow of
funds before committing ...
5Create two-way
communication channels
with the beneficiaries
Join the discussion on Twitter: Use
#BTCAwebinar and @Better...
5 6Create two-way
communication channels
with the beneficiaries
Join the discussion on Twitter: Use
#BTCAwebinar and @Bett...
Objectives of the Merti pilot:
• Examine if the model is technically
achievable and commercially sustainable at
scale in r...
Next Steps: Results
22
Join the discussion on Twitter: Use
#BTCAwebinar and @BetterThan_Cash
For Recipients
• More conveni...
Poll #4: What is the payment system your
organization is using/considering?
• Cash
• Mobile money
• Prepaid card without a...
Design a
client-centric
payment system
Key Recommendations
24
Join the discussion on Twitter: Use
#BTCAwebinar and @Better...
Dr. Ruth Goodwin-
Groen (Moderator)
Managing Director,
Better Than Cash Alliance
Discussion
Jamie Zimmerman
Senior Associa...
Thank you
info@betterthancash.org | @BetterThan_Cash
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Better Than Cash Alliance Webinar: Digital Food / Electronic Payments Pilot Study Presentation

E-Payments Deliver 15% Greater Efficiency in Kenya – Is This the Future of Food Aid?
The World Food Programme (WFP) transitioned from in-kind food aid to to electronic payments ("digital food"). In doing so they gained 15% cost efficiencies. This presentation made during a webinar presented by Better Than cash Alliance examines two food assistance projects in Kenya by WFP, and discusses how others can benefit from electronic payments.

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Better Than Cash Alliance Webinar: Digital Food / Electronic Payments Pilot Study Presentation

  1. 1. E-Payments Deliver 15% Greater Cost Efficiency in Kenya Is This the Future of Food Aid? March 19, 2014
  2. 2. Dr. Ruth Goodwin- Groen Managing Director, Better Than Cash Alliance Introducing Our Speakers 2 Jamie Zimmerman Senior Associate, Bankable Frontier Associates, lead author of study Cheryl Harrison Head of Innovations, World Food Programme (WFP) Kenya Marc Van Puyvelde Contactless Payment Solutions, MasterCard Worldwide Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  3. 3. Session Agenda • Introduction to the Better Than Cash Alliance • Methodology • Key Findings • WFP “Cash for Assets” Journey • Lessons for Stakeholders • Next Steps • Q&A 3 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  4. 4. Poll #1: Which category does your organization align with most? • Government • Private sector (financial service provider, MNO, etc.) • Development partners (UN, NGO, foundation, etc.) • Academic institution • Other 4 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  5. 5. The Better Than Cash Alliance Governments, private sector and development organizations committed to a global movement from cash to electronic payments. • Advocates for organizations to commit to transition their distribution of government benefits, humanitarian aid assistance, payroll and supplier payments from cash to electronic • Provides the policy, technical and financial assistance needed to identify and implement the most effective approach for local market conditions • Develops cutting-edge research products, good practices and case studies in order to achieve scale globally 5 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  6. 6. The case study is part of a cross- country comparative study of government-to-person (G2P) and donor-to-person (D2P) payments. Data was gathered in 2013 to understand how WFP moved from in-kind distribution to e- payments through interviews with: • WFP • National Drought Management Authority • Equity Bank in Kenya • Recipients Methodology 6 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  7. 7. Key Findings 1. E-payments were 15% more cost efficient than in-kind distribution Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash 7
  8. 8. Key Findings 1. E-payments were 15% more cost efficient than in-kind distribution 2. E-payments scaled up from 5,000 to 81,000 households (i.e., 485,000 beneficiaries) during the 2011 drought Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash 8
  9. 9. Key Findings 1. E-payments were 15% more cost efficient than in-kind distribution 2. E-payments scaled up from 5,000 to 81,000 households (i.e., 485,000 beneficiaries) during the 2011 drought 3. Beneficiaries prefer e-payments over food aid and maintained the same food consumption levels Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash 9
  10. 10. Poll #2: In which phase of the shift to electronic payments is your organization? • Have not started (either in-kind or cash envelope) • Beginning to shift to e-payments • Increasing use of e-payments • Almost all payments are electronic • N/A Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash 10
  11. 11. WFP tested different delivery models, including mobile money and card-based payment systems: • Mobile money was faster to start up and can offer advantages for an emergency response, but • A debit card linked to bank account comes with more benefits for both donor and recipient and is the preferred model for longer- term resilience programs 11 Key Elements of the Pilot: Choosing an Effective Payment System Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  12. 12. • WFP overcame challenges with recipients’ lack of ID and tough registration conditions • WFP-trained staff used to delivering in-kind food aid to collect e-transfers data • WFP developed a secure centralized system to store beneficiaries’ personal data and manage transfers 12 Key Elements of the Pilot: Collecting and Managing Personal Data Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  13. 13. 13 Results Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash • Stronger controls on aid delivery • Higher level of accountability among distribution partners • Economic empowerment of the beneficiaries • Increased financial inclusion for the “unbanked” • Growth of the local economy The shift to e-payments allowed the program to operate more efficiently and contributed to societal benefits:
  14. 14. Poll #3: What is the most important reason to shift to electronic payments for your organization? • Cost saving • Better security and increased transparency • Speed and scale • Beneficiaries’ economic empowerment • Stimulating local economies 14 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  15. 15. Key Lessons for Stakeholders 1 Ensure a strong delivery value chain Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash15
  16. 16. Key Lessons for Stakeholders 1 Ensure a strong delivery value chain 2Invest in partnerships to amplify efficiency Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash16
  17. 17. Key Lessons for Stakeholders 1 Ensure a strong delivery value chain 3Ensure a predictable flow of funds before committing to scaling up a program 2Invest in partnerships to amplify efficiency Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash17
  18. 18. Key Lessons for Stakeholders 1 Ensure a strong delivery value chain 3Ensure a predictable flow of funds before committing to scaling up a program 2Invest in partnerships to amplify efficiency Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash 4Consider adjusting payment frequency for reduced cost and increased timeliness 18
  19. 19. 5Create two-way communication channels with the beneficiaries Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash Key Lessons for Stakeholders 19
  20. 20. 5 6Create two-way communication channels with the beneficiaries Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash Key Lessons for Stakeholders Test, learn, iterate 20
  21. 21. Objectives of the Merti pilot: • Examine if the model is technically achievable and commercially sustainable at scale in remote and economically marginalized areas • Identify its benefits for WFP, providers and recipients in terms of value, growth and costs Next Steps: Exploring an end-to-end electronic model 21 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  22. 22. Next Steps: Results 22 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash For Recipients • More convenient • Better security • More choices • Lower costs for withdrawal • Increased access to financial services For Merchants • New business opportunity • Reduced cash handling For WFP • Cost efficiencies • Increased transparency and accountability • Ability to scale and become sustainable in a commercial environment
  23. 23. Poll #4: What is the payment system your organization is using/considering? • Cash • Mobile money • Prepaid card without a bank account • Debit card with a bank account • Other, including voucher 23 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash
  24. 24. Design a client-centric payment system Key Recommendations 24 Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash 1 Leverage transparent and regulated business models 2 Include financial inclusion in your design 3
  25. 25. Dr. Ruth Goodwin- Groen (Moderator) Managing Director, Better Than Cash Alliance Discussion Jamie Zimmerman Senior Associate, Bankable Frontier Associates, lead author of study Cheryl Harrison Head of Innovations, World Food Programme (WFP) Kenya Join the discussion on Twitter: Use #BTCAwebinar and @BetterThan_Cash Marc Van Puyvelde Contactless Payment Solutions, MasterCard Worldwide
  26. 26. Thank you info@betterthancash.org | @BetterThan_Cash

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