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(EXTENDED2) IC2021/WSM/033 National Consultant – Gap Analysis of the Mobile Banking Systems in Samoa
|Location :||Apia, SAMOA|
|Application Deadline :||13-Oct-21 (Midnight New York, USA)|
|Additional Category :||Sustainable Development and Poverty Reduction|
|Type of Contract :||Individual Contract|
|Post Level :||National Consultant|
|Languages Required :||English|
|Starting Date :|
(date when the selected candidate is expected to start)
|Duration of Initial Contract :||22 working days|
|Expected Duration of Assignment :||Within 2 months|
UNDP is committed to achieving workforce diversity in terms of gender, nationality and culture. Individuals from minority groups, indigenous groups and persons with disabilities are equally encouraged to apply. All applications will be treated with the strictest confidence.
UNDP does not tolerate sexual exploitation and abuse, any kind of harassment, including sexual harassment, and discrimination. All selected candidates will, therefore, undergo rigorous reference and background checks.
[EXTENDED TO 13 OCTOBER 2021]
Samoa’s population is 195,797; 50% of which are below the age of 21 years old, and comprising 51% males to 49% females. The country consists of 340 villages, scattered across four main islands of Savaii, Upolu, Manono and Apolima, with 77% of the population residing in Upolu. Its 'smallness' and locational 'distance' make Samoa, like other Pacific island countries, one of the most remote places in the world, with distinctive features of vulnerability, small markets, limited economies of scale, imperfect competition, high transportation and transaction costs, and little power to compete on the global level. The open narrow economy is based mainly on agriculture, fisheries, tourism, remittances and services industries, with the Gross Domestic Product per capita growth remaining at an average of 2% over the years. It is classified as an upper-middle-income country with 47% of the population considered economically active. Overall poverty levels are increasing; 22% of the population are living below the national basic needs poverty line, with 6% living in food poverty, and 42% are considered as vulnerable. With limited economic opportunities within changing social and economic dynamics, new forms of hardships are emerging, leading to increasing levels of poverty, inequality and unemployment. Soaring rates of non-communicable diseases, alcohol abuse, and domestic violence are other key concerns.
The Social Protection Joint Programme (SP-JP)
Social protection measures are aimed to prevent and protect all people against poverty, vulnerability and social exclusion. Broadly, they include social insurance schemes (for the active population seeking/holding jobs, self-employed or voluntarily contributing); non-contributive social welfare (for all people in need); labour market interventions (to facilitate access to decent jobs), and responses to shocks including climate change adaptations and contingencies. Reviews have identified that social protection systems in Samoa are ad-hoc, fragmented and limited in scope, and favour the non-poor over the poor and vulnerable citizens, with huge gaps in coverage across life cycle risks. To help build and strengthen inclusive, evidence-based and sustainable social protection systems in Samoa and other Pacific island countries, the 'Strengthening Resilience of Pacific island states through Universal Social Protection (also called the Social Protection Joint Programme) was instigated in July 2020. Guided by the 2030 Agenda for Sustainable Development and UN Pacific Strategy 2018-2022, the SP-JP focuses on four outcome areas: universal, inclusive & equitable social protection systems; social protection floors are efficiently and effectively administered; financial inclusion enables low transaction cost transfers of social protection benefits; and increased resilience through mainstreaming of disability, gender, youth and climate-related contingencies.
Mobile banking system for improving financially inclusive social protection systems
Building and strengthening inclusive social protection systems is about improving financially inclusive social protection measures for improved coverage and reach of the population. The SP-JP's activities aim to support the financial inclusion of vulnerable groups whose social protection benefits can be distributed through the banking system to reduce transaction costs and to facilitate access to other social protection and financial services. One of the key activities of the SP-JP is the undertaking of a gap analysis of the current mobile banking systems in Samoa, which will inform the design and testing of a universal mobile system for payments of social benefits. The gap analysis will also inform interventions on how to improve the financial inclusion of local people, in terms of improving their access to financial services and other existing social protection measures.
Mobile baking has the potential to contribute towards improving financially inclusive social protection systems in Samoa. Data collected by the Central Bank of Samoa shows that 49% of Samoa's adult population are not included in the formal financial sector, at all, with only 39% having any form of access to financial services. 'Financial service products and services must be appropriately designed and priced right to be relevant and enhance customer experience' which will 'entail deploying innovative solutions and delivery approaches' such as 'using mobile financial services. A high level of mobile connections (142,000 connections and 92,000 subscribers) exist in Samoa (2018 figures) with mobile banking (the marriage between digital and financial inclusion) now available in-country, but the activity level remains low. It is important to identify the key factors, reasons and challenges behind this low level of activity in mobile banking, and ways to improve mobile banking as a mode of financial inclusion for the Samoan people, including its potential for improving access to social protection information, services, benefits, and citizen feedback.
To assist with the undertaking of a gap analysis of the current mobile banking systems in Samoa, the services of a qualified consultant is needed to work with the Government of Samoa and UNDP with the successful completion of this initiative/activity under the SP-JP.
Duties and Responsibilities
SCOPE OF WORK
The objective of the consultant is to:
To achieve the above objectives, the Consultant is expected to ensure the effective and efficient performance and completion of the following tasks:
1. Carry out a comprehensive gap analysis of the current mobile banking systems in Samoa. The analysis needs to examine these dimensions:
2. Based on the analysis from i) above, identify the key gaps, also considering areas/dimensions, such as the current infrastructure and technological systems; policy, governance and regulatory framework; services and outreach; capacities; resourcing; and others.
3. Carry out the required desktop reviews, literature reviews, surveys, stakeholder consultations and other necessary data collection methods to gather solid and well-grounded evidence to inform the gap analysis and recommendations/actions on way forward for improving mobile banking in Samoa, including its usage in the areas of social protection.
4. Prepare and submit a ‘Gap Analysis Report of the Mobile Banking Systems in Samoa’ - analyzing the gap analysis of the mobile banking systems in Samoa, as well as recommendations and a proposed implementation plan for addressing the gaps. The report must encompass and address the following areas/components mentioned above.
5. Present the ‘Gap Analysis Report of the Mobile Banking Systems in Samoa’ to key stakeholders as represented on the SP-JP Samoa Technical Committee and the Multi-Country Steering Committee (MCSC).
6. Ensure incorporation of inputs of experts, stakeholders, Samoa Technical Committee, MCSC, and key counterparts into the finalisation of the ‘Gap Analysis Report of the Mobile Banking Systems in Samoa’.
Expected outputs and deliverables
In line with the scope of work outlined above, the Consultant is expected to ensure the effective and efficient completion and submission of the outputs and deliverables within the timelines specified in Table 1 below:
Table 1: Outputs, deliverables and timelines
Timeframe of the consultancy
Within the timelines specified in Table 1 above, the Consultant is expected to commence this consultancy from October and to complete it by November 2021.
The Consultant will be remunerated in accordance with the effective completion and submission of the required deliverables within the timelines of the required timelines in Table 1, in lump sum (USD). The payment schedule will be processed in accordance with the payment schedule given in Table 2:
Table 2: Payment schedule
The Consultant will be recruited for 22 working days from the effective date of the contract. S/he has to perform all the activities in about 6 weeks of this consultancy timeframe.
The Consultant is required to work closely with the Social Protection Joint Programme (SP-JP) UNDP Programme Coordinator, Chief Technical Adviser (CTA), Samoa Technical Committee members, and focal points in the other UN Participating Organisations (PUNOs) of the SP-JP.
Counterparts and line of reporting
The Consultant will work directly with the UNDP Assistant Resident Representative Governance Poverty Reduction Unit (ARR GPRU), SP-JP UNDP Programme Coordinator, UNDP CTA, and members of the Samoa Technical Committees.
Inputs by stakeholders, UN agencies and other development partners
All key stakeholders, UN agencies and other development partners will make available to the consultant all relevant information that may assist the consultant in carrying out and completing the Terms of Reference.
Home-based with travel to Samoa (for an overseas consultant as required).
The consultant will be responsible for making his/her mission travel arrangements in line with UNDP travel policies. Such travel shall be at UNDP’s expense and the Individual Contractor shall receive a per diem not to exceed United Nations daily subsistence allowance. The consultant will be responsible for their laptop.
Required Skills and Experience
Assessment of competencies
The assessment of individual consultants will be in accordance with the evaluation criteria below:
· 70% for Technical; and
· 30% for Financial.
Technical Evaluation Criteria will be based on the information provided in the CV and relevant documents that are to be submitted as evidence to support the above-required criteria.
Only the top 3 candidates that have achieved a minimum of 70% of the total technical points will be deemed technically compliant.
The technical competencies will be assessed as per criteria and scoring outlined in Table 3:
Table 3: Evaluative Criteria for the consultancy
Download the full Terms of Reference from the UNDP Procurement site link https://procurement-notices.undp.org/view_notice.cfm?notice_id=82960 and also the templates for submission of your proposal.