middle india - dfs provider support

Through a charitable contribution from Visa, SIA is leading the design and implementation of a grant vehicle designed to support authorized DFS providers in India strengthen their service reach and product orientation towards the emerging middle class (EMC) residing in Tier 2-4 centers. In particular this vehicle is designed to support those market-led intiatives that emphasize merchant acquisition, increased activity and improved performance of merchant acceptance points, and the digitizaiton of multiple payments streams of which those merchants are a part (consumer sales, supply chain payments, etc.). Specifically, SIA is providing oiverall program management and supervisory suppport, technical assistance to selected grantees, and knowledge creation/dissemination duties

report on dfs adoption by india's emerging middle class

Through a charitable contribution from Visa, in 2017, SIA co-lead the procurement, design, management, and technical review of a mixed methods field research project focused on the potential for DFS adoption and usage among the Emerging Middle Class as well as micro, small, and medium merchants located in Tier 2-4 centers across 37 cities in India. The research included a standard survey questionnaire, focus group discussions, as well as in-depth interviews of both consumers and merchants. It also collected data through interviews from a range of regulated service providers to better gauge their awareness, interest, capacity, and commitment to bringing their products and services to these specific market segments. The report was publicly launched at the Confederation of Indian Industry (CII) in February at its annual conference titled “Digital & Cashless Economy: A New Paradigm for NextGen Businesses

Integrating DFS into Agricultural Value Chains: A Bangladesh Market Landscape Assessment

From May through August of 2016, in collaboration with FHI 360, SIA undertook a market landscape assessment of selected agricultural value chains and the potential to integrate DFS offerings in Bangladesh. Activities included conducting a literature review of in-country DFS and ag sectors; mapping transaction networks and the financial needs of multiple value chain actors  and evaluating the strategic commitment, operational readiness, and product capabilities of multiple DFS providers. A final report presented key findings and additional lines of inquiry for interested parties to pursue to further support and stimulate DFS adoption among rural market actors

connecting humanitarian E-transfer Recipients and financial services in Bangladesh

In April 2016, SIA conducted case study research for Electronic Cash Transfer Learning Action Network (ELAN) on two of Action Contre La Faim’s (ACF) humanitarian initiatives in Bangladesh that delivered cash transfers through mobile money wallets. SIA analyzed household survey data and led focus group discussions and key informant interviews to determine if, when and how the e-transfers resulted in the sustained uptake and use of digital financial services by the program recipients.

e-mitra program in indonesia

eMITRA was a three year program based in Jakarta, Indonesia funded by USAID meant to help support supply side digital finanical services stakeholders. In 2012, eMITRA launched and began to work closely with large banks and key regulators around the creation of enabling policies that lead to more innovative and accessible financial services that utilized digital channels, such as mobile phones and POS, to provide better quality and relevant products to clients. The program promoted digital financial services, and worked closely with two large banks to help design and develop new branchless banking strategies and products.

survey of current and alternative g2p payment channels in papua and papua barat

The project provides results of research commissioned by Tim Nasional Percepatan Penanggulangan Kemiskinan (TPN2K), conducted from 2014-2015, to survey and evaluate current and potential payment options for disbursement of government social welfare payments (G2P payments) to residents of Papua and Papua Barat. Based on research conducted in eighteen sub-districts in Papua/Papua Barat, the project analyzed the needs and costs of disbursing and collecting G2P payments in this region and provides a cost benefit analysis of current and alternative, electronic payment options. It also examines other payment streams including salary payments to civil servants, teachers and health care workers.

Market Engagement and Digital Payments Training for Development Organizations in Cambodia

SIA created a case-based training for development organizations to transition from cash to digital payments in their programs and operations to gain organizational benefits and promote access to digital financial services for their program participants. Facilitated 3-day workshops in five markets (Ghana, Cambodia, Malawi, Rwanda, and Zimbabwe).  Conducted DFS market assessments to identify and vet service providers’ digital bulk payment products, created business linkages between service providers and NGOs, and educated services providers about NGOs as a potential key customer segment for digital payments.

Business Case for Digital Cash Transfer Mechanisms

In 2015, SIA team members undertook research for the International Rescue Committee (IRC) on the costs and revenue drivers for digital (card) payment providers in the Philippines and Lebanon and designed a return on investment (ROI) model that examined these drivers in acquiring and issuing banks participating in cash transfer programming. The report sheds light on the commercial realities for private sector partners participating in cash transfer programs. Results are shaping thinking on how humanitarian response organizations can be better prepared to respond in cash and on new partnership approaches with service providers. Results from this study were used to shape a business case for expanding digital financial services in markets where there is an ongoing need for emergency response.

Cash and e-Payments Payment Streams Cost Benefit Analysis in Multiple Countries

In August 2015, Catholic Relief Services (CRS) contracted SIA to assist the organization with fully utilizing electronic payments in country programs where feasible and justifiable. SIA was tasked with developing the methodology and user guidance needed to conduct a cost-benefit analysis of 2-3 types of electronic payments in six CRS country programs (Guatemala, Haiti, DRC, Tanzania, Malawi and the Philippines). After performing a comprehensive analysis, SIA helped CRS formulate a strong business case to make the switch from cash to electronic payment methods where practical.

small grants facilities in the philippines

SIA administered and managed eight small grants to USAID implementing partners and other organizations working in six different countries to support their transition from cash to digital payments and to document those lessons learned. Case study snapshots are available on the NetHope Solutions Center.

DFS Intervention and Program Design in Indonesia

In 2012, SIA assisted USAID in developing mobile banking pilots and other sector level interventions designed to accelerate the adoption of mobile banking in Indonesia. The project involved a review of existing mobile network operator-led and bank-led mobile banking capabilities, discussions with potential users, creation of a mobile banking demand model, identification of usage barriers, an assessment of potential partners, a regulatory analysis, and an action plan for a pilot and intervention.

AWCC Business plan in Afghanistan

Led the development of a business plan and launch strategy for AWCC's mobile money product in Afghanistan. The project included working with senior AWCC objectives and developing demand forecasts, pricing strategies, agent network strategies, marketing strategies, and platform selection criteria. The business plan also included organizational recommendations and internal operating proceedures.

DFS Payments and Agricultural Value Chains in Indonesia

In 2012, SIA supported ACDI/VOCA in developing DFS pilots that targeted farmers in three value chains (coffee, cocoa, and horticulture). The pilots focused on value chain inflection points where payments transitioned from electronic to cash. A key element of the pilots was the establishment of a DFS ecosystem, including merchant acceptance points, in the geographic areas in and around the targeted farm communities.

DFS Payments and Agricultural Value Chains in Georgia

In 2011, SIA led a feasibility assessment to extend mobile financial services to select agricultural value chains in rural Georgia. In collaboration with MobiPay Georgia and Mercy Corp Alliances Program staff, the feasibility assessment included: conducting a preliminary baseline survey of potential stakeholders to gauge adoption and usage potential as well as map existing transaction patterns; evaluating the readiness of existing economic infrastructure for mobile financial services; identifying operational requirements; and modeling deployment cost projections.