EDIS - Electronic Disbursement of Cash or Vouchers
Government to Person (G2P) Payments – Example of the Livelihood Empowerment against Poverty (LEAP) Programme. LEAP was developed as a flagship National Social Protection Strategy programme to empower extremely poor populations in various African countries. It is a cash transfer programme for the poorest and most vulnerable households, with particular emphasis on households with orphans and vulnerable Children, the elderly, and severely disabled persons. In Ghana alone, the programme reaches close to 200,000 households.
For LEAP and other programmes, Aya is partnering with commercial banks on the provisioning of ID cards for beneficiaries. Personalized RF-ID cards with a 4-digit PIN code or symbols (see below) are issued with or without a magnetic stripe. The cards constitute a full beneficiary payment account. Deputy caretakers can be registered in addition and receive a 2nd PIN distinguishing them from the primary.
Beneficiaries are able to use the cards to:
Funds may be disbursed into:
Other benefits of EDIS include:
Government to Person (G2P) Payments – Example of the Livelihood Empowerment against Poverty (LEAP) Programme. LEAP was developed as a flagship National Social Protection Strategy programme to empower extremely poor populations in various African countries. It is a cash transfer programme for the poorest and most vulnerable households, with particular emphasis on households with orphans and vulnerable Children, the elderly, and severely disabled persons. In Ghana alone, the programme reaches close to 200,000 households.
For LEAP and other programmes, Aya is partnering with commercial banks on the provisioning of ID cards for beneficiaries. Personalized RF-ID cards with a 4-digit PIN code or symbols (see below) are issued with or without a magnetic stripe. The cards constitute a full beneficiary payment account. Deputy caretakers can be registered in addition and receive a 2nd PIN distinguishing them from the primary.
Beneficiaries are able to use the cards to:
- Withdraw funds at any Aya payment point, agent or merchant
- Withdraw funds at partner bank ATM´s
- Retrieve account balance at Aya payment points or partner bank ATM´s (depending on ATM technology)
- Retrieve account balance from their mobile phone (if registered)
- Authorize and conduct additional services (create savings or loan accounts etc.) if authorized by partner/NGO
Funds may be disbursed into:
- Mobile Money wallets
- Rural Banks / Post bank accounts (where applicable)
- Microfinance accounts held with partner MFIs.
Other benefits of EDIS include:
- Savings or loan products may be offered in partnership with commercial banks
- Cash advances may be offered to beneficiaries in partnership with commercial banks
- Opportunity to purchase government services directly from card / e-wallet – utilities, health, life insurance, etc.
- Opportunity to purchase private sector services directly from card / e-wallet– mobile top up units, etc.
- Possibility of receiving remittances and other payments into card / e-wallet for spending or cashed out
- Payouts can be collected out of locality – nationwide.
Authentication Options
Aya offers biometric authentication (fingerprint) for E-Voucher payments through an external fingerprint reader. From experience Aya proposes a more efficient method of authentication using symbols instead of PIN numbers to address literacy levels in remote areas typically targeted by cash or voucher disbursement programmes.
Alternative 1: A 4-digit symbol code is selected by beneficiary on registration to facilitate secure authentication for illiterate beneficiaries. Beneficiary is offered a choice of 10 simple and familiar everyday symbols. On-site the agent/merchant enters the numeric equivalent of the symbols via the keypad using a simple picture “translation” card. Examples of useable symbols are:
Aya offers biometric authentication (fingerprint) for E-Voucher payments through an external fingerprint reader. From experience Aya proposes a more efficient method of authentication using symbols instead of PIN numbers to address literacy levels in remote areas typically targeted by cash or voucher disbursement programmes.
Alternative 1: A 4-digit symbol code is selected by beneficiary on registration to facilitate secure authentication for illiterate beneficiaries. Beneficiary is offered a choice of 10 simple and familiar everyday symbols. On-site the agent/merchant enters the numeric equivalent of the symbols via the keypad using a simple picture “translation” card. Examples of useable symbols are:
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Bird
Ear Eye Heart Mouth |
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A symbol “PIN” would therefore be: Eye-Mouth-Mouth-Heart or 3554 resulting in the same
probability as a regular numeric PIN (for order of four with three
attempts: 1 : 3,333).
Alternative 2: Combination of two numeric digits 1-5 (left hand, right hand) and two symbols.
Alternative 2: Combination of two numeric digits 1-5 (left hand, right hand) and two symbols.
Step-by-Site On-Site Card Payment and Goods Redemption Process
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