sQuid ePayments - | NetHope Solutions...

NetHope

27/10/2015 www.squidcard.com

sQuid ePayments

sQuid PresentationRegulated ePayments Technology to assist the Humanitarian and Development Sectors in Cash Transfer Programmes

www.squiACFrd.com

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

sQuid Presentation

NetHope

2


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

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sQuid PlatformCore elements

Smartcard

Terminal

Administration Centre

• 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

• 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

• 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

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www.squiACFrd.com

Context

About sQuid

Our Work

sQuid Host System



Q+A


sQuid Presentation

NetHope

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About Us

sQuid

• 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

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www.squiACFrd.com

Context

About sQuid

Our Work

sQuid Host System



Q+A


sQuid Presentation

NetHope

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• Work with clients such as MercyCorps delivering acclaimed beneficiary payment services using our high availability payments platform

• We develop, deploy and manage our own interventions in East Africa, working with partners and in close association with donors and government

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

Some of Our WorkSupporting the Humanitarian and Development Sector

MercyCorps 2014 DRC intervention enabled 3000 beneficiaries to receive $200,000+ in distributed funds

iMlango is a multi-faceted intervention including attendance monitoring, internet access and educational improvement in 200 primary schools, impacting over 130,000 children in Kenya

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www.squiACFrd.com

Context

About sQuid

Our Work

sQuid Host System



Q+A


sQuid Presentation

NetHope

9

sQuid PlatformThe sQuid Host

• 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

Update

Engine

Comm

Point

Notification

Engine

Audit

Engine

Transaction

Engine

SQUID HOST

Security

engine

Database

“Schema*

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www.squiACFrd.com

Context

About sQuid

Our Work

sQuid Host System



Q+A


sQuid Presentation

NetHope

11

sQuid PlatformCore elements – payments and eVouchers

Smartcard

Terminal

Administration Centre

• 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

• 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

• 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

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Registration App

sQuid

sQuid Registration Application

Menu Items:

• Register Card

• View Card

Click to view

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Payment App

sQuid

sQuid Payment Application

Configurable Menu Items:

• Balance Check

• Sale

• Refund

• Top-UP

• Redeem

• Sync With Host

• Collect on Demand

• End of Day

balance check

refund

sale

top up

redeem sync withhost

collect ondemand

end of day

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Monitor Transactional Data

sQuid

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 email to distribution groups at agreed times and frequencies – daily, weekly etc.

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www.squiACFrd.com

Context

About sQuid

Our Work

sQuid Host System



Q+A


sQuid Presentation

NetHope

16

www.squiACFrd.comsQuid is regulated and authorised by the Financial Conduct Authority

sQuid PlatformExample Operation

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www.squiACFrd.com

Context

About sQuid

Our Work

sQuid Host System



Attendance Monitoring

Q+A


sQuid Presentation

NetHope

18

Attendance App

sQuid

sQuid Attendance Monitoring Application

Menu Items:

• Take Attendance

• Today’s Attendance Record

• Pending Records

• Sync with sQuid

Click to view 19


sQuid

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• Class 8 typically shows highest attendance

• Class 3 typically lowest attendance

• Class 5 typically the largest Class

Class Boys Girls Total StudentCount

1 75% 75% 75% 136

2 74% 84% 79% 68

3 72% 77% 74% 117

5 57% 59% 58% 136

6 63% 77% 71% 117

7 80% 88% 84% 104

8 77% 80% 78% 157

Total 70% 76% 73% 979

Sabaki Primary, Kilifi

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% 120 24% 129 27%

70-89% 169 34% 207 43%

50-69% 127 26% 106 22%

<50% 79 16% 42 9%

50%

55%

60%

65%

70%

75%

80%

85%

90%

1 2 3 4 5 6 7 8

Ave

rage

att

end

ance

Class

Boys

Girls

sQuidData Analysis – by school and class

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• Gauge profiles across regions

• Access average daily attendance

• Compare, monitor and react to regional differences

0

5

10

15

20

50% 60% 70% 80% 90% 100%

Nu

mb

er

of

sch

oo

ls

Average attendance of whole school

Distribution of Schools' Average Attendance in Kajiado

0

5

10

15

20

25

50% 60% 70% 80% 90% 100%

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mb

er o

f sc

ho

ols

Average attendances of whole school

Distribution of Schools' Average Attendance in Makueni

0

10

20

30

40

50% 60% 70% 80% 90% 100%

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er o

f sc

ho

ols


Frequency of Schools' Average Attendance in Uasin Gishu

0

10

20

30

40

50% 60% 70% 80% 90% 100%N

um

be

r o

f sc

ho

ols


Distribution of Schools' Average Attendance in Kilifi

sQuidData Analysis – by region

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• Able to look at underlying drivers of whole school performance

• Investigate and understand the reasons behind variances

0

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

62% 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%

Nu

mb

er o

f sc

ho

ols


Frequency of All Schools' Whole School Average Attendance

sQuidData Analysis – across all schools

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Context

About sQuid

Our Work

sQuid Host System




Q+A


sQuid Presentation

NetHope

24

• 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.

In Summary

sQuid

Adam [email protected]+44 (0) 208 339 2111John Loftus House,Thames Ditton,Surrey, UK

Simon [email protected]+1 202 800 8226 c/o Xe2 (US) Inc., 1650 Typons Boulevard, Suite 1580, Tysons Corner, VA 22102, USA

Simon [email protected]+254 730 187000 197 Lenana Place, Lenana RoadP.O Box 52625-00100, Nairobi, Kenya

mailto:[email protected]



Prepared by:

Adam [email protected]+44 (0) 208 339 2111

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sQuid ePayments

sQuid ePayments - | NetHope Solutions...

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