Improving Payment Mechanisms in Cash-Based Safety Net Programs

Cash transfers have proliferated in the past decade as key policy instruments to tackle vulnerability and inequality. Payment mechanisms (PMs), the backbone of cash transfers, are the channels through which cash travels from the funding source to t...

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Bibliographic Details
Main Authors:	del Ninno, Carlo, Subbarao, Kalanidhi, Kjellgren, Annika, Quintana, Rodrigo
Format:	Working Paper
Language:	English en_US
Published:	World Bank, Washington, DC 2014
Subjects:	ACCESS TO BANKING ACCESS TO FINANCIAL SERVICES ACCESSIBILITY ACCOUNT BALANCE ACCOUNT INFORMATION ACCOUNT NUMBER ACCOUNTING ACCREDITATION ACCURATE INFORMATION ADMINISTRATIVE BURDEN ADMINISTRATIVE COST ADMINISTRATIVE COSTS AFFORDABILITY ANNUAL PAYMENT ATM AUTHORIZATION AUTOMATIC TELLER AUTOMATION BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK TRANSACTIONS BANKING CUSTOMERS BANKING INFORMATION BENEFICIARIES BENEFICIARY BIOMETRICS BRIBE BRIBES BRIBING CAPITAL INVESTMENT CARD READERS CARDHOLDER CARDHOLDERS CASH PAYMENT CASH PAYMENTS CASH TRANSACTION CASH TRANSFER CASH TRANSFERS CASH WITHDRAWAL CELL PHONE CELL PHONES CENTRAL BANK CLAIM COLLECT PAYMENTS COMMERCIAL BANK COMMERCIAL BANKS COMMUNITY DEVELOPMENT CORRUPTION COST SAVINGS COST-BENEFIT COUPONS CREDIT COOPERATIVE CREDIT COOPERATIVES DEBIT CARD DEBIT CARDS DEPOSITS DIRECT DEPOSIT DISBURSEMENT DISBURSEMENTS ELECTRONIC PAYMENT ELECTRONIC PAYMENTS ELIGIBILITY CRITERIA ENROLLMENT EQUIPMENT EXPENDITURE EXPENDITURES EXPENSE MANAGEMENT FAMILIES FINANCIAL ACCOUNT FINANCIAL ACCOUNT INFORMATION FINANCIAL ACCOUNTS FINANCIAL ARRANGEMENTS FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INSTRUMENTS FINANCIAL REGULATION FINANCIAL REGULATIONS FINANCIAL SERVICES FINANCIAL TRANSACTIONS FINGERPRINT FLOW OF FUNDS FLOW OF INFORMATION FRAUD FUNDING SOURCE GENDER GEOGRAPHIC BARRIERS GOVERNMENT GRANT GOVERNMENT PAYMENT GOVERNMENT PAYMENTS GROUP ACCOUNT HARDWARE HOLDING HOUSEHOLDS ID ID CARD ID NUMBER IDENTIFICATION IDENTIFICATION CARD IDENTIFICATION CARDS IDENTIFICATION VERIFICATION IDENTITY CARD IDS ILLITERACY INEQUALITY INFORMATION FLOWS INFORMATION SYSTEM INFORMATION SYSTEMS INSTALLMENTS INSTITUTIONAL ARRANGEMENTS INSTITUTIONAL CAPACITY INSURANCE INTENDED RECIPIENTS INTERNAL CONTROLS INTERNATIONAL BANK INTERNATIONAL DEVELOPMENT INVESTMENT COSTS INVESTMENT FUNDS ISSUANCE LEGAL ENVIRONMENT LEGAL FRAMEWORK LEVERAGE LEVERAGES LIQUIDITY LOCAL CAPACITY LOCAL GOVERNMENT MAGNETIC STRIP MAGNETIC STRIPE MAGNETIC STRIPES MANAGEMENT INFORMATION MANDATE MARKET LEVEL MERCHANTS MFI MICRO FINANCE MICRO FINANCE INSTITUTIONS MICROFINANCE MICROFINANCE INSTITUTIONS MOBILE BANKS MOBILE PHONE MOBILE PHONES MONEY ORDERS NATIONAL BANKS ONLINE PAYMENT OPERATING COSTS OPPORTUNITY COST OUTREACH PASSWORD PAYMENT APPLICATION PAYMENT ARRANGEMENTS PAYMENT AUTHORIZATION PAYMENT FLOW PAYMENT FLOWS PAYMENT INFORMATION PAYMENT INSTRUMENT PAYMENT INSTRUMENTS PAYMENT MECHANISM PAYMENT MECHANISMS PAYMENT METHOD PAYMENT METHODS PAYMENT ORDER PAYMENT ORDERS PAYMENT TRANSACTION PENALTIES PENALTY PENSION PENSIONS PERSONAL IDENTIFICATION PERSONAL IDENTIFICATION NUMBER POINT OF SALE POLICE STATION POSSESSION POST OFFICE POST OFFICES PRIVATE BANK PRIVATE BANKS PROFITABILITY PUBLIC FUNDS RECEIPT RECEIPT OF PAYMENT RECEIPTS RECEIVERS REGULATORY ENVIRONMENT REGULATORY FRAMEWORK REMITTANCES SAFETY NET SAFETY NETS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SERVICE PROVIDER SERVICE PROVIDERS SERVICE PROVISION SIGNATURE SMALL PAYMENTS SMART CARD SMART CARD READER SMART CARD TECHNOLOGY SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY STAKEHOLDER STAKEHOLDERS START-UP START-UP COSTS STATE BANK STATE BANKS SUBSCRIBER IDENTITY MODULE SUBSCRIBER IDENTITY MODULES TECHNICAL INFRASTRUCTURE TECHNOLOGICAL INFRASTRUCTURE TELECOMMUNICATION NETWORK TELECOMMUNICATIONS TRADITIONAL PAYMENTS TRANSACTION COSTS TRANSACTION INFORMATION TRANSACTION PROCESSING TRANSACTIONS COSTS TRANSFER OF FUNDS TRANSPARENCY TREASURY URBAN AREAS VILLAGE VULNERABLE CHILDREN VULNERABLE GROUPS WAGES WIRE TRANSFER WITHDRAWAL OF FUNDS
Online Access:	http://documents.worldbank.org/curated/en/2013/08/18821509/improving-payment-mechanisms-cash-based-safety-net-programs http://hdl.handle.net/10986/17618