BENEFIT PAYMENT AUTOMATION
description
Transcript of BENEFIT PAYMENT AUTOMATION
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O C T O B E R 1 2 , 2 0 0 5
J. P. MORGAN ELECTRONIC FINANCIAL SERVICES, INC.
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BENEFIT PAYMENT AUTOMATION
Presented by Brian Claire, Hector Clark, Jan Konigsberg
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Agenda and Introductions
EBT and Debit Card Conversion: From Paper to Plastic
International EBT – the way forward
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Benefit Delivery Today
$$$$ $$$$
Government defines eligibility and program rules
Determinationof benefit amount
Recipients access benefits
CurrencyChecks
Warrants
CouponsPhysical delivery of
benefits
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Benefit Delivery
Government defines eligibility and program rules
Determinationof benefit amount
Via EBT
$ $ $ $ $ $ $ $
Recipient accesses benefit
Electronic deposit
Benefit ready to use
$ $ $ $
$ $ $ $
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Benefit Delivery Via EBT —Government Role
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Benefit Delivery Via EBT—Contractor Role
Card issuance/training
Transaction processing
Customer Service
ATM/retailer access & settlement
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Phases of EBT Expansion
U.S. RolloutU.S. RolloutConversion Contracts
U.S. RolloutOngoing OperationsRenewal Contracts
EBT Pilots In U.S.Initial Contracts
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U.S. RolloutU.S. RolloutConversion Contracts
U.S. RolloutOngoing OperationsRenewal Contracts
EBT Pilots In U.S.Initial Contracts
First Phase of EBT Expansion
EBT Pilots In U.S.Initial Contracts
1984198719891991
Gain experience “electrifying” benefits
Learn about EBT-specific problems
Creation of core EBT business model
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U.S. RolloutU.S. RolloutConversion Contracts
U.S. RolloutOngoing OperationsRenewal Contracts
EBT Pilots In U.S.Initial Contracts
Second Phase of EBT Expansion
U.S. RolloutConversion Contracts
Establish national policies
Refine service definition
Stakeholder behavior change
1991 - 2002
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Third Phase of EBT Expansion
U.S. Rollout
Ongoing OperationsRenewal Contracts
Renewal contracts yield significant efficiencies to all stakeholders
Governments reap rewards of EBT
Addition of new benefit programs / rulesU.S. RolloutU.S. Rollout
Conversion ContractsU.S. RolloutOngoing Operations
Renewal ContractsEBT Pilots In U.S.
Initial Contracts
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Phases of International EBT Expansion
U.S. RolloutOngoing Operations Renewal Contracts
U.S. RolloutInternational Pilots Initial Contracts
U.S. RolloutInternational Rollouts Conversion Contracts
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U.S. RolloutOngoing Operations Renewal Contracts
U.S. RolloutInternational Pilots Initial Contracts
U.S. RolloutInternational Rollouts Conversion Contracts
First Phase of International EBT Expansion
Significant international “pilot” programs
International PilotsInitial Contracts
US. benefits in USD distributed overseas via DBC program
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First Phase of International EBT Expansion
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U.S. RolloutOngoing Operations Renewal Contracts
U.S. RolloutInternational Pilots Initial Contracts
U.S. RolloutInternational Rollouts Conversion Contracts
Second Phase of International EBT Expansion
World Bank: Plan Colombia
UK benefits in BP distributed in UK via POCA program
International RolloutConversion Contracts
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U.S. RolloutOngoing Operations Renewal Contracts
U.S. RolloutInternational Pilots Initial Contracts
U.S. RolloutInternational Rollouts Conversion Contracts
Third Phase of International EBT Expansion
Future expansion
Ongoing International OperationsRenewal Contracts
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Lessons LearnedRecipients prefer the safety and convenience of EBT
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Survey Results
What is the main reason you signed up for the Direct Benefit Card?
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Survey Results
Please tell us how satisfied you are with the following benefits of the Direct Benefit Card
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Survey Results
I no longer have to rely on the mail
Money will be in a safe place
accessible only by me
I am very satisfied with
the cardI don’t have
to carry cashEasy to use any
time
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Recipients prefer the safety and convenience of EBT
Lessons Learned
Public and private sector have defined a commercial model that works for the conversion and ongoing operation
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RiskManagement
Service Definition
Policy Definition
Commercial Contract
Model
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Costs of EBT
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
Co
st p
er F
amily
Year
Price for EBT Services
Actual Cost of EBT Services
Current Administrative Cost
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Recipients prefer the safety and convenience of EBTPublic and private sector have defined commercial model that works for the conversion and ongoing operationProven approach for international pilot, expansion and countrywide
rollout
Lessons Learned
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Overview of existing benefit processing
Plan Colombia
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Pick Upor Delivery
$$
$$
$ $ $ $
Current Process
Local BankCountry Bank
World Bank
$ $ $ $
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Overview of existing benefit processing
Plan Colombia
EBT: Pilot, evaluation, expansion
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$$
$$
$$$$
Process With EBT
Country Banks
World Bank
$ $ $ $
Recipient accesses benefit
$ $ $ $
$ $ $ $
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Risk management& service definition
Commercial model
Pilot / program specifics and
research
Stakeholder acceptance
Decisions To Be Made Jointly
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Overview of existing benefit processing
Plan Columbia
EBT: Pilot, evaluation, expansion
Timetable for progress
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?Questions?Questions?
Vragen?
Perguntas?
Domande?Fragen?
Preguntas?
?