Conventionally, one of the challenges of cash distribution was security. In order to bring huge amounts of cash to distribution points required cost to prevent crime risks. Also, managing the paper-based receipt was a challenge and required an administration cost. By using the electronic system, we can achieve the same program with less security risk and also record all distribution. The recorded data allows us to review “To whom”, “When”, Where”, and “How much” the subsidy transfer occurs and ensures the transfers are made to the right beneficiaries. The transfers are traceable, and the record is useful for reporting and evaluation purposes.

Once the system is connected with a mobile money account, the beneficiary can withdraw the value using their NFC card and this allows the distribution of the subsidy. It will not rely on the internet coverage of any mobile companies or on the possession of a mobile phone.