squid epayments NetHope squid Presentation 27/10/2015

Transcription

1 squid epayments NetHope squid Presentation Regulated epayments Technology to assist the Humanitarian and Development Sectors in Cash Transfer Programmes 27/10/2015

2 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Q+A squid is regulated and authorised by the Financial Conduct Authority 2

3 Context The humanitarian community has increasingly moved to cash-based assistance There is a move towards providing cash-based relief via evouchers evoucher programmes allow for: Efficient management Improved monitoring Improved auditing Comprehensive reporting evoucher providers should provide: Reliable, robust and secure systems Improved data quality Data security Systems that can be expanded beyond payments squid is regulated and authorised by the Financial Conduct Authority 3

4 squid Platform Core elements Smartcard Multiple Wallet Contactless Easy to use Encrypted Various forms of user authentication Issued by NGO Pre-loaded or load after issue (on or off line) Reload as required Reuse Terminal Configurable Device Pay, Register, Attend Apps Contactless Local interaction with smartcard (incl. off line) Store and forward data to and from host system Remote updating/reconfiguration Robust and easy to use Encrypted Administration Centre Set up payments Track distribution and usage of cards Manage terminals and smartcards Reporting suite NGO staff terminals enable offline value loading in the field Agent (Vendor) terminals allow spend only recording time, date, value, transaction type and card number NGO staff reconcile Vendor activity Settlement instructions carried out by NGO HQ Spend analysis by card user/vendor 4

5 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Q+A squid is regulated and authorised by the Financial Conduct Authority 5

6 squid About Us squid is a unique non-bank emoney platform Regulated by the central banks in the UK (FCA) and Kenya Operational bases in London, UK and Nairobi, Kenya Provides end-to-end electronic payments platform serving hundreds of thousands of customers, and specialist education sector services including Attendance Monitoring and Learning Portal Platforms Operates direct Aid programmes and in partnership with NGO s and Government squid is regulated and authorised by the Financial Conduct Authority 6

7 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Q+A squid is regulated and authorised by the Financial Conduct Authority 7

8 Some of Our Work Supporting the Humanitarian and Development Sector Work with clients such as MercyCorps delivering acclaimed beneficiary payment services using our high availability payments platform MercyCorps 2014 DRC intervention enabled 3000 beneficiaries to receive $200,000+ in distributed funds We develop, deploy and manage our own interventions in East Africa, working with partners and in close association with donors and government imlango is a multifaceted intervention including attendance monitoring, internet access and educational improvement in 200 primary schools, impacting over 130,000 children in Kenya squid s unique experience of working with local and national government agencies, humanitarian organisations, and as a independent organisation means we are the ideal partner to help design, build and implement services for the humanitarian sector squid is regulated and authorised by the Financial Conduct Authority 8

9 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Q+A squid is regulated and authorised by the Financial Conduct Authority 9

10 squid Platform The squid Host Transaction Engine Update Engine SQUID HOST Comm Point Notification Engine Security engine Audit Engine Database Schema* At the heart of the squid emoney system is the squid Host Resides on a secure server in the UK and accessed via secure web services connections Essentially a collection of schemes each configurable with their own scheme rules and associations which are then managed by the host 10

11 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Q+A squid is regulated and authorised by the Financial Conduct Authority 11

12 squid Platform Core elements payments and evouchers Smartcard Multiple Wallet Contactless Easy to use Encrypted Various forms of user authentication Issued by NGO Pre-loaded or load after issue (on or off line) Reload as required Reuse Terminal Configurable Device Pay, Register, Attend Apps Contactless Local interaction with smartcard (incl. off line) Store and forward data to and from host system Remote updating/reconfiguration Robust and easy to use Encrypted Administration Centre Set up payments Track distribution and usage of cards Manage terminals and smartcards Reporting suite NGO staff terminals enable offline value loading in the field Agent (Vendor) terminals allow spend only recording time, date, value, transaction type and card number NGO staff reconcile Vendor activity Settlement instructions carried out by NGO HQ Spend analysis by card user/vendor 12

13 squid Registration App squid Registration Application Menu Items: Register Card View Card Click to view 13

14 squid Payment App balance check refund redeem collect on demand sale top up sync with host end of day squid Payment Application Configurable Menu Items: Balance Check Sale Refund Top-UP Redeem Sync With Host Collect on Demand End of Day 14

15 squid Monitor Transactional Data Transactional Data All transactions recorded in the squid host Time, date, location, value, card number data collected Can be access online by programme administrators Reports can be generated and reviewed online (downloadable in Excel) Dedicated reports can be generated and sent via to distribution groups at agreed times and frequencies daily, weekly etc. 15

16 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Q+A squid is regulated and authorised by the Financial Conduct Authority 16

17 squid Platform Example Operation squid is regulated and authorised by the Financial Conduct Authority 17

18 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Attendance Monitoring Q+A squid is regulated and authorised by the Financial Conduct Authority 18

19 squid Attendance App squid Attendance Monitoring Application Menu Items: Take Attendance Today s Attendance Record Pending Records Sync with squid Click to view 19

20 squid Attendance Monitoring 20

21 Average attendance squid Data Analysis by school and class Sabaki Primary, Kilifi Class Boys Girls Total StudentCount 1 75% 75% 75% % 84% 79% % 77% 74% % 59% 58% % 77% 71% % 88% 84% % 80% 78% 157 Total 70% 76% 73% 979 Total School Accounts created Active accounts Cards Girl 501 Active Girls 484 Cards Boy 515 Active Boys 495 Total Cards 1016 Total 979 Attendance Category Boys Boys % Girls Girls % >90% % % 70-89% % % 50-69% % % <50% 79 16% 42 9% Class 8 typically shows highest attendance Class 3 typically lowest attendance Class 5 typically the largest Class 90% 85% 80% 75% 70% 65% 60% 55% 50% Class Boys Girls 21

22 Number of schools Number of schools Number of schools Number of schools squid Data Analysis by region Distribution of Schools' Average Attendance in Kajiado Distribution of Schools' Average Attendance in Makueni % 60% 70% 80% 90% 100% Average attendance of whole school 0 50% 60% 70% 80% 90% 100% Average attendances of whole school Frequency of Schools' Average Attendance in Uasin Gishu 50% 60% 70% 80% 90% 100% Average attendance of whole school Distribution of Schools' Average Attendance in Kilifi 50% 60% 70% 80% 90% 100% Average attendance of whole school Gauge profiles across regions Access average daily attendance Compare, monitor and react to regional differences 22

23 Number of schools squid Data Analysis across all schools Frequency of All Schools' Whole School Average Attendance % 64% 65% 66% 68% 70% 71% 72% 73% 74% 75% 76% 77% 78% 79% 80% 81% 82% 83% 84% 85% 86% 87% 88% 89% 90% 91% 92% 93% 94% 95% 96% Average attendance of whole school Able to look at underlying drivers of whole school performance Investigate and understand the reasons behind variances 23

24 NetHope squid Presentation Context About squid Our Work squid Host System Payments and evouchers - Key Components Payments and evouchers - Example Operation Attendance Monitoring Q+A squid is regulated and authorised by the Financial Conduct Authority 24

25 squid In Summary squid is a highly flexible e-payment platform Already proving effective in the humanitarian sector Approved by regulatory bodies and government agencies in the UK and internationally Responsive and adaptable to the needs of the sector Evolving and developing solutions based on feedback from the sector please share your feedback with us by contacting us via the routes below. Adam Smith asmith@squidcard.com +44 (0) John Loftus House, Thames Ditton, Surrey, UK Simon McKeown smckeown@squidcard.com c/o Xe2 (US) Inc., 1650 Typons Boulevard, Suite 1580, Tysons Corner, VA 22102, USA Simon Kaniu skaniu@squidcard.com Lenana Place, Lenana Road P.O Box , Nairobi, Kenya

26 squid epayments Prepared by: Adam Smith +44 (0)