The design of payments systems is not simply a ‘technical issue’. There are also social and economic dimensions that need to be considered. Without a clear focus on transparency and social accountability mechanisms to ensure that work done is appropriately paid for and that corruption and leakages are minimized, the new systems can also be exploited. Further, the large-scale PEPs also have the potential to serve as a catalyst and as a
platform for scaling-up service delivery and financial inclusion. This would involve identifying how the PEP payment system can potentially be designed in a progressive way.
