On the cusp: proposals to advance the cash reform

Transcription

1 Webinar 15 June 2016 On the cusp: proposals to advance the cash reform Come and engage with today s panelists: Sara Almer The Cash Learning Partnership (CaLP) Nigel Timmins Oxfam International Satwik Seshasai Segovia Julia Steets GPPI

2 Webinar - On the cusp: proposals to advance the cash reform - 15th June 2016 Monitoring Commitments Through the Agenda for Cash Sara Almer, CaLP Coordinator

3 WHAT? To maintain the momentum generated by the WHS, CaLP will: a) Kick start a series of discussions and action research around the future of cash in a substantially reformed architecture called Cash b) Set up a mechanism to follow up on WHS commitments to provide a degree of accountability and full accompaniment to those stakeholders who wish to implement commitments made as part of the WHS process, including the Grand Bargain.

4 WHY? Through the power of its network and contributions of 40+ humanitarian and development actors, CaLP created an Agenda for Cash. The Agenda for Cash is the only document coming out of the WHS with a clear and specific roadmap with regards to the changes that need to happen to bring about cash reform. CaLP is uniquely positioned to maintain the momentum of change as the most representative body in the world of cash transfers.

5 HOW? Cash 2020 CaLP will partner with like-minded organisations specialised in trend analysis and strategy. CaLP will generate opportunities and incubate discussions to come up with concrete plans of action. Beneficiary s perspectives will be included in these discussions by default. Cash 2020 will be an opportunity to bring people with the solutions and the people with the power to implement them together

6 HOW? WHS commitments follow up mechanism CaLP will seek to establish a mechanism that is complementary to other processes coming out of the WHS and the Grand Bargain. The objective of the cash mechanism will be twofold: 1) To bring a degree of accountability. 2) To provide full accompaniment, by making capacity assessment tools available and accompanying organisations to create a plan of action for the delivery of the commitments.

7 WHEN? CaLP is currently seeking funding and opportunities for collaboration for the WHS commitments follow up mechanism. It is envisioned that this will be up and running towards the end of the 2016.

8 Questions to Sara Almer The Cash Learning Partnership (CaLP)

9 Achieving greater localisation of humanitarian assistance CaLP webinar June 2016

10 Sustainable & predictable financing Page 10

11 Page 11

12 RISK Donor INGO Partner Community FLOW OF MONEY FOR SERVICES Page 12

13 Donor Compliance rules and regulations RISK Donor INGO Partner Community FLOW OF MONEY FOR SERVICES Page 13

14 Donor Compliance rules and regulations Donor & INGO Compliance rules and regulations RISK Donor INGO Partner Community FLOW OF MONEY FOR SERVICES Page 14

15 Predictable partnerships; planned absorption capacity roles and responsibilities

16 Equitable sharing of benefits and risks

17 Questions to Nigel Timmins Oxfam International

18 CHALLENGES REQUIRING PRIVATE SECTOR PARTNERSHIP Configurability How can we adjust the payment schedule to better align with the harvest? Payment Across Providers Can we consolidate cash delivery mechanisms in one system? Scale Why does our database keep freezing it isn t that much data? Monitoring and Eval Can we use program feedback to affect decisions in future programs? Interoperability How can we link our beneficiary management system with other systems (e.g. government census) Security and Data Protection How do we adopt digital platforms without opening up sensitive beneficiary data to outsiders? Connectivity How can we distribute payments in low connectivity environments? 18

19 OPPORTUNITY: PRIVATE SECTOR INVESTMENT IN OPENNESS OPEN SYSTEM WITH INTEGRATION OPEN SYSTEM MULTIPLE CONNECTIONS CLOSED-LOOP SYSTEM Automatic data transfer Operating Partner Operating Partner Operating Partner Manual data transfer PREPOSITIONED OPEN SYSTEM FSP / PSP Telco Bank Payment provider Telco Bank Payment provider Telco Bank Payment provider Recipients Global Coverage X Single Interface X 19

20 PRIVATE SECTOR SHOULD PROVIDE MORE CHOICES, NOT FEWER Data Import / Collection Ingest and normalize data from virtually any data collection tool Integrate data from external sources (market monitoring, spending, ) Payment Providers Reporting / Data Export Easily send payment instructions to mobile money, bank, prepaid debit, voucher tool, Support variety of technical parameters online or offline, API or CSV Track multiple wallets per beneficiary Make data available for integration into third-party services Export reports for use in generic (CSV, PDF) or pre-specified format (e.g. donor reporting) 20

21 TECH SHOULD SUPPORT FLEXIBILITY IN PROGRAM DESIGN 1 USER ROLES User rights can be limited to any set of data, actions, or beneficiaries Program can have unlimited roles (field manager, payment approver, ) FORMS DATA VIEWS / MANAGEMENT BENEFICIARY WORKFLOW Program can use unlimited number of data collection forms User can change form questions and have data mapped properly User can submit multiple forms related to a single beneficiary User can create unlimited views to filter data for specific tasks beneficiaries to approve, beneficiaries requiring visit, Program can define unlimited computed fields (e.g. hunger score ) Manager can automate key decisions based on any data Program can contain multiple intermediate steps in beneficiary process User can only approve beneficiaries if roles allow 5 ELIGIBILITY Program can codify eligibility rules based on any data Program can use multiple distinct eligibility rules in same program 6 7 PAYMENT SCHEDULING DASHBOARDS Program can pay beneficiaries on distinct schedules based on rules Explicit (e.g. 3 lump sums), repeating (e.g. monthly), User can adjust payment amounts based on criteria User can create and filter charts, tables, maps, and text User can overlay external data (market pricing) on program data User can define pre-formatted reports to automatically send 21

22 PAYMENT ADMINISTRATION AND GATEWAY Before Payments Manage payments Send payments Beneficiaries receive payment Implementing organization sends funds Beneficiary account verification (KYC) Check account balance, ensure funds Schedule, send, monitor and cancel payments Intelligent error detection, notification and handling Real time payment status and fee transparency Handling of batches and large volume of payments Adapters to payment providers best suited for each context / geography Bank Mobile Debit Voucher Cash Secure access controls on all actions Secure data storage and transmission Secure application programming interfaces (APIs) for Segovia and third-party use 22

23 SUPPORT FINANCIAL INCLUSION IN CONTEXT Scenarios Scenario 1 Scenario 2 Scenario 3 External Constraint Urban Semi-Urban Rural / Refugee Camp Mobile Network Coverage Power Internet Depth of Financial Services Vendor Network Mobile Money Agent Coverage Payment Options Mobile Money, Prepaid Debit Mobile Money (w/ cash payday), E-voucher w/ POS, Stored Value Voucher Financial Inclusion Stored Value Voucher, Bank Cash Payday 23

24 PRIVATE SECTOR EXPERTISE AND INVESTMENT IN DATA PROTECTION AND SECURITY Element Controls in program roles Controls in beneficiary data Principle Role-based access and authentication Logging and auditing Consent protocols Data storage and encryption Export controls Best Practice Data Protection and Security Guidelines Different levels of data access and writing privileges Cryptographic protocols used for authentication Audit log ensures accountability and facilitate supervision Records are securely stored with controlled access Informed consent for data collection Beneficiary may request access, correction, or deletion of data Data is only accessible through the internal database on a need-to-know basis Personal identifying information and other sensitive data are stored securely Data at rest and in transmission is encrypted Data integrity via no-overwrite scheme Role based data export Transmitted data is encrypted Protected infrastructure (external and internal) Backup and disaster recovery Active monitoring Network security Payments interface security Periodic data backups Deployment and data recovery automated Active alerting system built to contact system administrators and management personnel when the system stops operating or indicators move out-of-bounds External monitoring implemented to assure uptime Firewalls and VPN Config data encrypted (e.g., internally stored passwords) Special attention to network security for cash transfer systems with certificate verification, secret-key checksumming and callback-based request verification to offer additional security 24

25 Questions to Satwik Seshasai Segovia

26 The Cash Reform CaLP Webinar on a Vision for Cash June 15th, 2016 Julia Steets

27 Cash Will Profoundly Affect the Humanitarian System The reform proposes to Use cash as default Implement large-scale, multisector cash programs This implies that ~40% of assistance as cash Few organizations as cash leads Less relevant sectors / clusters Pressure on overhead costs Larger role of the private sector and government programs Graffiti art in Athens. Photo by David Steets

28 The Interest Constellation Could Make the Shift Possible Donors Non-leads Cost efficiency Evidence base Image issues Risk aversion Lost market share Pressure on overheads Cash Leads Governments Budget, Power, Visibility Restructuring Legitimacy Economy Tensions Pressure for safety nets?

29 Policy Implications Pilot large-scale, multi-sector cash programs Award them competitively Assess efficiency Engage governments Support social protection programs Communicate benefits for local economies Public image campaign for cash? Graffiti art in Athens. Photo by David Steets

30 Questions to Julia Steets GPPI

31 Discussion

32 THANK YOU! Follow us Cash Learning Partnership