CBMP Analytical Report Part 1 - Transparency and Accountability ...

esponsible should create village agencies so that teachers do have to travel to
town for their salaries. Furthermore, the system should be upgraded to real
Cash-Collection Cards rather than the current ones which are merely used as
identity cards.
• For the Malswitch specifically,
o MSB needs to ensure that implementation of the electronic payment
system is done in phases with those near bank facilities having their
cards activated first.
o There is need to ensure that facilities are in place before effecting the
implementation facility – in its present format, the electronic payment
not only encourages altruism but also imposes an implicit tax on
teachers salaries as it means they have to travel, wait in rest houses, pay
for food, etc in order to get their pay from urban centres where
availability of the money is not guaranteed.
o MALSWICH should work with MSB closely – after all both are
Government owned entities. MALSWICH needs to request that those
near MSB and other MALSWICH-connected banks are serviced first on
the pilot stage. MALAWTCH should also require a minimum of a single
auto teller before software is provided to a district education
management area. This two-way reinforcing beyond profit-making
would bring mutual and sustainable benefits to the electronic payment
programme.
• The uncertainty by teachers on Malswitch on whther their salaries are
available at the bank needs to be reduced or completely eliminated since it is
also responsible for haphazard movement of teachers to banks to check for pay
around pay days. This can be done through introduction of Portable Phone
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