The core message of the research is that most humanitarian cash and voucher assistance (CVA) programs desire a payments system with greater geographic reach, higher-levels of customer service, and more advanced technology (like biometrics) than what is available, and partnerships with mobile money providers are needed to build more customized offerings.
The publication helps humanitarian practitioners understand the infrastructure needed for mobile money, the regulations which govern it, and the competitive advantages it has for delivering humanitarian cash and voucher assistance (CVA). However, it also points out that mobile money systems are not used by the vulnerable populations CVA targets, and rarely extend to rural areas like refugee settlements.
Authored a systematic review of technologies that can dramatically increase agent network management effectiveness for digital finance providers for the Bankable Frontier Associates (BFA) FIBR Project.
Evaluated six projects being done by the United Nations MM4P programme with mobile money agent networks in Zambia and Uganda to advise them on how their work could best contribute to industry knowledge on agent network innovations.
Data from 26,000 agent network interviews, 21 consulting assignments, and 19 digital finance trainings was used to publish four landmark papers on agent network management for mobile money and agent banking systems for the Helix Institute of Digital Finance.