Hans Hesse VP E-Vouchers “A Cashless Africa” Calum McGregor Business Analyst Mobile Delivery &...
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Transcript of Hans Hesse VP E-Vouchers “A Cashless Africa” Calum McGregor Business Analyst Mobile Delivery &...
Hans Hesse VP E-Vouchers
“A Cashless Africa”
Calum McGregor Business Analyst
Mobile Delivery &
Tracking System
Reasons for Implementing an Electronic Voucher System:
• Logistical challenges in clinics
• Insufficient storage facilities in clinics
• More flexible pick-up for beneficiary
• Utilization of the market
• Greater opportunity for handover to government
Timeline of the Mobile Delivery & Tracking system:
Event Month/Year No. of Months
Initial discussions June 2008 10
Signing of development contract April 2009 5
Test run September 2009 2
Pilot November 2009 5.5
Full scale roll-out April 2010 10.5
Project closure February 2011
Total = 33 months
Any Bank
Any Network
Any Sector
Any Recipient
“A Cashless Africa”“A Cashless Africa”
Money Transfers
Send money instantaneously via mobile phone from person to person
Payments
Process payments in bulk to clients with bank accounts and to (the vast majority!) without.
Electronic Vouchers
Use a scratch for flexible payments and subsidy delivery
Stock Ordering
Retailers can order suppliers using a mobile phone while suppliers track and manage orders
Our Services Our Services
JUL-SEP '09
OCT-DEC '09
JAN-MAR '10
APR-JUN '10
JUL-SEP '10
OCT-DEC '10
JAN-MAR '11
APR-JUN '11
JUL-SEP '11
OCT-DEC '11
$-
$5,000,000
$10,000,000
$15,000,000
$20,000,000
$25,000,000
Transaction Value
Money Transfers Vouchers Bulk Payments Supplier Payments
Jan-Mar Actual
“Best Mobile Money Start-Up in Africa.”“Best Mobile Money Start-Up in Africa.”
Project Overview:
Final figures
Number of households receiving one or more voucher 52, 846
Number of vouchers collected 281, 222
Number of vouchers redeemed 276, 194
Redemption rate 98%
Number of participating health clinics 70
Number of retailers 69
Amount electronically paid to retail agents USD$4, 526, 073
WFP’s Successes and Challenges:
Successes Challenges
• Real time payment to retailers
• Real time tracking of outputs
• Internal change management
• Over 275, 000 vouchers redeemed
• Service Provider understanding Programme
• Service Provider capacity to deliver
• Getting Programme to understand they must work with the market (new ideas, old thinking)
Lesson #1:Traction by ActionLesson #1:Traction by Action
Lesson #2: Develop products that matterLesson #2: Develop products that matter
$0
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
0
20
40
60
80
100
120
140
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180
200
April May J une J uly August September
Active MaKwacha Agents
Active Money Transfer Agents Active Voucher Agents
Average Income per Money Transfer Agent Average Income per Voucher Agent
Lesson #3: Make sure you add value to your agentsLesson #3: Make sure you add value to your agents
Lesson #4: Understand risks but focus on opportunitiesLesson #4: Understand risks but focus on opportunities
Mobile Delivery and Tracking
using
electronic Voucher Scratch Cards
Questions?
Thank You!