mobile payment : case study of health insurance … · ict 4 rbf 28 avril – 01 mai 2014...
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ICT 4 RBF
28 Avril – 01 Mai 2014
Bujumbura, Burundi
Mobile Payment : Case study of
health insurance premiums
collection by mobile phone
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Outline
• UTM and health insurance management
• Challenges and opportunities
• M-Payment Project
• Lessons learned
• Looking forward
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UTM and Health Insurance
Management
UTM : federation of around 100 Community-based
Health Insurance schemes
• whose 20 share an unified health insurance management
platform
• Adherance by familly, voluntary enrollment
• 90.000 people insured
• 110 empanelled health facilities at sanitary pyramid
(community health centers …… -> Hospitals)
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Challenges and opportunities
• Vast areas to be covered (size 1,2 million km2)
• Low population coverage (less than 10% of total pop is
registered)
• Low premium recovery rate (less than 60% of premium to be
paid)
• Limited commercial persons (less 50 recovery agents for
whole UTM)
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Challenges and opportunities
• Management skills quite well developed internally (HR and
infrastructures)
• 2 operators exist, there is a large territorial coverage
• More than 75% de la population using mobile phone
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M-Payment Project
Context • 2011 : Study visit in Kenya along a JLN’s meeting and cross-learning
about M-Pesa at NHIF
• Go back to country and writing a concept note on mobile payment
project with goal to improve premiums recovery rate
Business model
– Building an innovative accessible solution enabling premium’s payment by mobile
phone (without commercial person’s intervention and without constraint on schedule
of payment or amount)
– Free Service to insured (charges supported by UTM)
– project financed with generated revenues from increasing premiums collection
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M-Payment Project
Context
• Starting negotiation with mobile operator Orange
• Provided solution ill-adapted (impossibility to initiate opened
payments)
• So obliged to wait for a new version of their cash transfer
(Orange Money) management application (1 year delay)
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M-Payment Project
First step : separated development
• UTM : modifying our core business management application
– Daily file extraction containing member’s Id
– Secure transfert to mobile operator
• Orange : modifying it cash transfert management
application
– Enable user’s payment with authentification based on received data
from UTM
– Debit member’s account / Credit UTM’s account
– Establish daily statement
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M-Payment Project
Second step : interoperability configuration
• SFTP : secure file transfert protocol – Account + Password
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M-Payment Project
Second step : interoperability configuration
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M-Payment Project
Second step : interoperability configuration
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M-Payment Project
Third step : implementation
• Starting up : Pilot phase with free charge during 6 months
• Member's sensitization par the mobile phone operator – SMS mailing (2 types of message, for cash transfer's subscribers and none)
• Information for others members who are not registered at
Orange
– Call and SMS
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M-Payment Project
Service utilization
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M-Payment Project
Service utilization
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M-Payment Project
Service utilization
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Lessons learned
• Establishing an agreement with a network service provider
(too long negotiation delay, strong argumentation needed)
• Designing a product for the end users (flexible payment
options)
• Developing interoperable IT systems (customized IT platform
for secure file exchange, member enrollement as new
subscribers to the Orange Cash program)
• Sensitizing users to mobile money (notify each member
about the new mobile money application, own staff training
on the mobile money application and how to be new users
of Orange Cash)
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Looking forward
• E-enrollment
• Development of cobranding services and tools
• M-Payment for contracted providers
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Merci