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

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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!