LILONGWE-(MaraviPost)-E-Payment, a model payment using online platforms via mobile money is said to be an easy and secure way of cashing in money in rural areas.
With E-Payment through ECHO (European Civil Protection and Humanitarian Aid Operations) which was first implemented in Zomba district support ProAct project followed by second phase that was implemented in T/A Mlauli in Neno with support from Irish Aid cash transfer is supporting government humanitarian response.
SCI through a consortium comprised of FDH Bank, OXFAM and GOAL with support from European Civil Protection and Humanitarian Aid Operations (ECHO)implemented a pilot project called, “Social Protection and E-payment for inclusive cash response Malawi (Prepare Malawi Project) from September 2018 up to January 2020.
This model of payment has been considered the best in response to disaster preparedness as reconciliation through transaction statement and transactions are designed to suit customers desires.
Save The Children has been advancing the model to benefit hard to reach communities.
E-payment has also enabled money security to the beneficiaries and even those who are not aware TNM Mpamba and Airtel Money operations are still able to access their money.
One of the beneficiaries from Magaleta village T/A Mlauli in Neno, Vesta Potiphar is praising the program as being very beneficial which has eased the the task involved in getting their payments.
“Using the phones, it has been easy for us get our money as we’re now able to know the exact days and place where we can get our money after being contacted by the agents,” she said.
Among various challenges highlighted by some beneficiaries, the common problems that the program faced was swapping of sim cards, batteries and phones by beneficiaries during phone charging and cash out times.
According to project manager for Save the Children, Mackfeson Kapalamula, the program has made some progress as it has worked in those areas it was piloted.
“We anticipate that people will able to fully understand the E-Payment model and implement it. We’re also hoping that other organizations will adopt this as a Humanitarian response in rural areas as this is practical and can be rolled out in this digital era,” Kapalamula said.
The project that is for 18 months (September 2018-January 2020) targeted 4001 beneficiaries who received cash via cash in transit for 2 months and the E-Payment in 3rd month from T/A Mlauli in Neno.
The program has realised a number of benefits ranging from beneficiaries being able to choose when and where to get their cash and even how much to cash out which in return stabilized prices of good in markets as vendors were unable to trace cash out days which was initially resulting to price hike when using the G4S mode of payment.