Come and engage with today’s panelists:

• Sara Almer – The Cash Learning Partnership (CaLP)

• Nigel Timmins – Oxfam International

• Satwik Seshasai – Segovia

• Julia Steets – GPPI

Webinar – 15 June 2016

On the cusp: proposals to advance the cash reform

Sara Almer, CaLP Coordinator

Webinar - On the cusp: proposals to advance the cash reform - 15th June 2016

Monitoring Commitments Through the Agenda for Cash

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 2020.

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.

WHY?

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.

Through the power of its network and contributions of 40+ humanitarian

and development actors, CaLP created an Agenda for Cash.

HOW? Cash 2020

Cash 2020 will be an opportunity to bring people with the solutions

and the people with the power to implement them together

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.

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.

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.

Questions to

Sara Almer

The Cash Learning Partnership (CaLP)

Achieving greater localisation of humanitarian

assistance

CaLP webinar June 2016

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Sustainable & predictable financing

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Page 12

RISK

Donor INGO Partner Community

FLOW OF MONEY FOR SERVICES

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RISK

Donor INGO Partner Community

FLOW OF MONEY FOR SERVICES

Donor Compliance rules and regulations

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RISK

Donor INGO Partner Community

FLOW OF MONEY FOR SERVICES

Donor Compliance rules and regulations

Donor & INGO Compliance rules and regulations

Predictable partnerships; planned absorption capacity roles and responsibilities

Equitable sharing of benefits and risks

Questions to

Nigel Timmins

Oxfam International

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?

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OPEN SYSTEM WITH INTEGRATION OPEN SYSTEM MULTIPLE CONNECTIONS CLOSED-LOOP SYSTEM

Automatic

data transfer

Manual data

transfer

FSP / PSP

Telco Bank Payment

provider

Telco Bank Payment

provider

Telco Bank Payment

provider

Recipients

Global

Coverage

Single

Interface

X

X

Operating

Partner

Operating

Partner Operating

Partner

OPPORTUNITY: PRIVATE SECTOR INVESTMENT IN OPENNESS

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PREPOSITIONED

OPEN SYSTEM

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

• 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

Reporting /

Data Export

• 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)

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• 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

USER ROLES

DATA VIEWS /

MANAGEMENT

BENEFICIARY

WORKFLOW

ELIGIBILITY

PAYMENT

SCHEDULING

DASHBOARDS

1

5

6

4

7

3

FORMS 2

• 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

• Program can codify eligibility rules based on any data

• Program can use multiple distinct eligibility rules in same program

• 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

• 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”)

• 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 rights can be limited to any set of data, actions, or beneficiaries

• Program can have unlimited roles (field manager, payment approver, …)

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TECH SHOULD SUPPORT FLEXIBILITY IN PROGRAM DESIGN

Implementing

organization

sends funds

Beneficiary

account

verification

(KYC)

Beneficiaries

receive payment

Adapters to

payment

providers

best suited for

each context /

geography Check

account

balance,

ensure funds

Before

Payments

Manage

payments

Real time payment status and

fee transparency

Intelligent error detection,

notification and handling

Schedule, send, monitor

and cancel payments

Handling of batches and large

volume of payments

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PAYMENT ADMINISTRATION AND GATEWAY

Send payments

Secure access controls on all actions

Secure application programming interfaces (APIs)

for Segovia and third-party use

Bank

Mobile

Debit

Cash

Voucher

Secure data storage and transmission

SUPPORT FINANCIAL INCLUSION IN CONTEXT

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Scenarios Scenario 1 Scenario 2 Scenario 3

External

Constraint Urban Semi-Urban

Rural / Refugee

Camp

Coverage

Mobile Network

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

Stored Value

Voucher, Bank

Cash Payday

Financial Inclusion

PRIVATE SECTOR EXPERTISE AND INVESTMENT IN DATA PROTECTION AND SECURITY

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Controls in

program roles

Element Best Practice Data Protection and Security Guidelines Principle

Controls in

beneficiary data

Protected

infrastructure

(external and

internal)

Consent protocols

Data storage and

encryption

Export controls

Backup and disaster

recovery

Network security

Payments interface security

Active monitoring

• Different levels of data access and writing privileges

• Cryptographic protocols used for authentication

Role-based access and

authentication

Logging and auditing • 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

• 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

Questions to

Satwik Seshasai

Segovia

The Cash Reform

CaLP Webinar on a Vision for Cash

June 15th, 2016

Julia Steets

Cash Will Profoundly Affect the Humanitarian System

The reform proposes to

Use cash as default

Implement large-scale, multi-

sector 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

The Interest Constellation Could Make the Shift Possible

Cost efficiency

Evidence base

Image issues

Risk aversion

Donors

Budget, Power, Visibility

Re-structuring

Cash Leads

Lost market share

Pressure on overheads

Non-leads

Legitimacy

Economy

Tensions

Pressure for safety nets

Governments

?

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

Questions to

Julia Steets

GPPI

Discussion

THANK YOU!

Follow us on: @cashlearning

Cash Learning Partnership