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Paying attention to detail

how to transfer cash in cash transfers

Barca Valentina
Alex Hurrell
Ian MacAuslan
Aly Visram
Jack Willis


How to transfer cash to people has received relatively little attention in evaluations of cash transfer programmes, and most programmes are still experimenting with a range of approaches. The choice of payment system affects the costs and barriers faced by those receiving cash and the costs and risks of successful programme implementation. This paper presents qualitative and quantitative evidence on three different payment systems being used in cash transfer programmes in Kenya: payment to recipients’ mobile phones that can be redeemed at various phone agents); payment through ‘Smartcards’ that can be redeemed at various banking agents using fingerprint technology for identification; and payment through post offices that recipients visit to collect their cash. We compare challenges in implementing these systems, difficulties recipients face in using them, and the effects these systems have on the impact of cash transfer programmes.

Publication Type(s)

Conference Paper

Ten Years of War Against Poverty Conference Papers

Conference: Ten Years of War Against Poverty


1 Paying attention to detail PDF 120.6 KB

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