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Digital Payments Expert-Cocoa value Chain (BTCA)
|Advertised on behalf of :|
|Application Deadline :||22-Apr-21 (Midnight New York, USA)|
|Time left :||10d 14h 29m|
|Type of Contract :||Individual Contract|
|Post Level :||International Consultant|
|Languages Required :||English|
|Duration of Initial Contract :||12 Months|
|Expected Duration of Assignment :||Renewable for another year based on performance and budget availability|
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.
United Nations Capital Development Fund (UNCDF) is the UN’s capital investment agency for the world’s least developed countries (LDCs). It creates new opportunities for poor people and their communities by increasing access to inclusive finance and investment capital. Established by the General Assembly in 1966 and with headquarters in New York, UNCDF is an autonomous UN organization affiliated with UNDP.
Based in UNCDF, the Better Than Cash Alliance (BTCA) is a partnership of 70 governments, companies and international organizations that accelerates the transition from cash to advance the Sustainable Development Goals by:
Billions of dollars in cash payments and transfers are made daily in emerging and developing economies, including payment of salaries, social welfare and relief, payments to suppliers, remittances, etc. The problems with these cash payments include a lack of transparency, accountability and security, as well as inefficiency. Individuals who receive cash payments are often part of the 1.7 billion excluded from the formal financial sector. This means they are excluded from access to a range of appropriate and affordable financial services to help them save safely take advantage of economic opportunities and reduce their vulnerability to risk.
Shifting these payments from cash to digital has the potential to improve the lives of low-income people, particularly women, while giving governments, the development community and the private sector a more transparent, time and cost efficient, and often-safer means of disbursing payments.
The Better Than Cash Alliance Team’s Core Values are the following:
Payments completed in agribusiness value chains represent some of the most significant payment flows of national economies and play an important role in building inclusive digital payments ecosystems. As part of catalyzing the global movement from cash to digital with the private sector, the Better Than Cash Alliance is committed to supporting digitization of payment flows in different business sectors including the cocoa sector in Ghana with both the Government and private sector companies.
Recent research (The Hidden Costs of Cash to Ghana’s Cocoa Sector) developed between the Better Than Cash Alliance and the World Cocoa Foundation, estimates for example that cash is the primary payment method used to purchase cocoa in Ghana, with over 90% of farmer-level transactions (more than GHS 7 billion, or USD 1.26 billion) conducted using cash every year. In most cases, farmers are not using formal savings accounts and micro-credit to manage seasonal cash flow or finance farm input such as the purchase of fertilizer. Lack of access to formal financial services and lack of credit history emanating from cash-based transactions are serious obstacles to improving farmer livelihoods. In addition, farmers encounter unpredictable delays between cocoa delivery and payment. Financial costs for cocoa companies include the cost of cash management and transport (including security and banking fees) and potential fraud and loss of cash as it flows through the cocoa supply chain.
Ghana Cocoa Board (Cocobod)
Cocobod is the Government’s main institution tasked with oversight of the cocoa industry. It is the statutory board responsible for Ghana’s cocoa sector and has the administrative powers to formulate appropriate policies to facilitate the production, processing and marketing of cocoa, coffee and shea in the country. The functions of Cocobod include production, research, extension, internal and external marketing and quality control of cocoa. With funding from Africa Development Bank, (AfDB), Cocobod has embarked on a digitization transformation drive with the launch of the Cocoa Management System (CMS) in 2020 to collate and leverage data on cocoa farmers across the country for the purpose of transparency and efficiency in service delivery to farmers. The CMS, which has already been piloted in selected cocoa-growing communities, will see Cocobod carry out a comprehensive data gathering exercise which will generate and centralize data such as the actual number of cocoa farmers and families in Ghana, the size, as well as the characteristics and output of their cocoa farms, all in an attempt to digitize, and improve transparency in the cocoa sector as well as make all payments in the cocoa sector cashless.
Duties and Responsibilities
As part of its advisory service, the Alliance will be collaborating with Cocobod in preparing and implementing the Cocoa Management System, in particular for aspects related to the secured Payment Platform. The CMS is an integrated IT solution comprising three main component parts: the Purchasing System (APS), the Input Distribution System (IDS) and the secured Payment Platform. These will be implemented through a process that includes:
Based on the above, Cocobod will partner with the Alliance, where the Alliance will provide a Digital Payments/Finance Expert to collaborate on enhancing the development of a CMS Digital Payment Framework as part of the CMS payment platform that will embed and operationalise digital payments within the cocoa value chain as part of the wider CMS implementation framework. The collaboration with the Alliance, which will be piloted in a Cocobod selected location, potentially the Western South region, will focus on component 3 of the whole CMS implementation, but will leverage data collected from component 1&2. This project will be rolled out in two phases:
Phase 1: Enhancing Supply Side Capacity (Cocobod and its FSP partners) to Deliver Digital Payments Solutions Responsibly. This is expected to run for one year focusing mainly on:
Phase 2 (subject to successful implementation of phase 1) will focus on:? Enhancing the Demand Side to Adopt and Use Digital Payments Solutions through:
SCOPE OF WORK
Phase 1: Enhancing Supply Side Capacity (Cocobod and its FSP partners) to Deliver Digital Payments Solutions Responsibly. Working with the Cocobod Implementation team, and in collaboration with the Alliance’s Advisory Service team, the Consultant will deliver on the following during phase 1 of the project:
Enhance the development of CMS Digital Payments Framework
Using results from the mapping and assessment of barriers, and working closely with the Alliance’s Advisory Service team, work on embedding the Responsible Digital Payments Guidelines and infusing a gender intentional agenda in the framework through:
Working closely with the Cocobod implementation team, facilitate informed engagements and partnerships with financial service providers (FSPs) and merchant payments players working in the cocoa sector payments ecosystem. This will involve:
Working with other development partners, NGOs and FSPs in the cocoa sector, explore and implement options to enhance the payments ecosystem in the pilot location, focusing on;
Working closely with the Alliance and the Cocobod team, evaluate the implementation of phase 1 activities to determine the next steps for deepening and scaling digital payments in the cocoa sector.
Phase 2: Enhancing Demand and Adoption of Digital Financial Services
Subject to successfully setting up a digital payments framework (phase 1) the second phase will be farmer oriented, focusing on:
Working with Cocobod CMS implementation team and with guidance from the Alliance, identify and document key lessons learnt in scaling digital payments in the cocoa sector. ?The end of project report must include key lessons learnt in both phases that may include but not limited to:
Expected Outcomes and Deliverables
Expected Duration of Assignment: Twelve (12) months
As part of this assignment the consultant will be required provide monthly reports highlighting progress towards the achievement of the deliverables below. These should include minutes of meetings conducted with key stakeholders’ month to month and reports on the various workshops undertaken.
The consultant(s) will work under the direct supervision of the Africa Regional Lead and in close collaboration with Alliance’s Corporate Lead.
The consultant is responsible for providing his/her own laptop.
The Alliance shall closely monitor the performance of the consultant, and such monitoring shall include the detailed tracking of cumulative payments ensuring that they do not exceed the approved limit in the contract. If the consultant fails to meet performance requirements detailed above, (s)he will receive in first instance, a communication requesting an improvement in performance. Continued failure to meet performance requirements may result in termination and non-utilization of the contract.
Duration of the Work
The entire project is expected to run over a 24-month period. Phase 1 is expected to take 12 months.Phase 2 will take 12 months and is subject to successful implementation of phase 1.
The consultant will be based in Accra Ghana with travel to the pilot location.
STANDARD TRAVEL COSTS AND DAILY SUPPLMENTAL ALLOWANCE (DSA)
Travel: Any travel to selected project location will be pre-approved by the Africa Regional Lead or his assignee. Such travel must be scheduled as part of the project plan and approved by the Alliance. In the case of unforeseeable travel, payment of travel costs including tickets, lodging and terminal expenses should be agreed upon in writing between the Alliance and Individual Consultant prior to travel and will be reimbursed according to UNDP/UNCDF Travel Policy.
QUALIFICATIONS AND LEVEL OF CONSULTANTS
The consultant must provide evidence of the technical capacity to undertake this assignment. This includes capacity to deliver the results in the timeframe provided as well as indication of prior experience (relevant research and financial inclusion/capabilities and experience, training, program development and evaluation).
Required Skills and Experience
Interested individuals must submit the documents mentioned below in order to demonstrate their qualifications (Note: the system does not allow multiple uploads of documents.)
The following documents are to be uploaded in one PDF file:
The following document is to be sent by email to firstname.lastname@example.org :
Incomplete applications may not be considered.
Criteria for Selection of the Best Offer
Individual consultants will be evaluated based on the following methodology:
Step I: Screening
Applications will be screened and only applicants meeting the mandatory criteria (listed under education and experience) will progress to the pool for shortlisting:
?Step II: Shortlisting by Desk Review – 30% out of technical evaluation
UNCDF will conduct a desk review to produce a shortlist of candidates and technically evaluate the candidates. Only candidates that obtained 80% of the points at this stage shall be invited for the next step.
Step III: – Interview – 70% out of technical evaluation
Only candidates obtaining a minimum of 70% on the total of Steps III will be considered as technically qualified and will be reviewed further for financial evaluation.
Step III: Financial Evaluation
The following formula will be used to evaluate financial proposal:
Lowest priced proposal/price of the proposal being evaluated x 30.
Both individual consultants and individual employed by a company or institution are welcome to apply.
Any individual employed by a company or institution who would like to submit an offer in response to a Procurement Notice for IC must do so in their individual capacity (providing a CV so that their qualifications may be judged accordingly). Women candidates or women-owned businesses are strongly encouraged to apply.