Counter measures that have to be maintained by the security companies, sometimes result in late cash deliveries that in turn creates further pressure on queues at the pay-points. The cost of bank charges compared to no administration charge when receiving the grant at a cash pay-point. The distance they have to travel to get to a bank, especially in the rural areas. The cost of transport to the pensioners. The inconvenience of transport experienced by pensioners in the rural areas.
Cash is the required currency needed by the recipients.
Given the current behavioural patterns of beneficiaries, permanent facilities and technology solutions similar to automated teller machines are just not economically viable. This will also not prevent first day crowding and related problems at these terminals. It appears as though the mobile solution is the only cost effective option that can really take the service to the people . The challenge lies in enhancements to the mobile solution that will obviate current problems and add further value to the quality of service provided to the aged.