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Adm. Sci. 2015, 5(4), 240-259; doi:10.3390/admsci5040240

Payment Schemes in Conditional Cash Transfer Programs: The Case of 4Ps in the Davao Region, Philippines

UNE Business School, University of New England, Armidale, New South Wales 2351, Australia
Faculty of Economics, Yokohama National University, 79-1 Tokiwadai Hodogaya-ku, Yokohama 240-8501, Japan
Author to whom correspondence should be addressed.
Academic Editors: Joseph Roberts and Falih Alsaaty
Received: 10 July 2015 / Revised: 19 September 2015 / Accepted: 28 October 2015 / Published: 4 November 2015
View Full-Text   |   Download PDF [632 KB, uploaded 4 November 2015]   |  


This paper evaluates current payment schemes employed by the Pantawid Pamilyang Pilipino Program (4Ps) in the Philippines using six assessment criteria: transaction cost, security/risks, speed and timeliness, acceptability, resilience and flexibility. Employing data collected at the regional level, we establish four main findings: (1) all 4Ps payment conduits present trade-offs; (2) a payment approach that uses mainstream financial infrastructure is beneficial if cost, speed and simplicity of the payment system are critical; (3) competition for 4Ps contracts for Payment Service Providers (PSPs) has improved the quality of payment services and minimized costs; and (4) the efficiency of the program is greatly influenced by the commitment of the PSP to deliver the cash benefits to the recipients in a timely manner rather than by maximizing conduit branches. View Full-Text
Keywords: conditional cash transfer; 4Ps; Philippines; payment service providers conditional cash transfer; 4Ps; Philippines; payment service providers

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This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. (CC BY 4.0).

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MDPI and ACS Style

Catubig, M.C.; Villano, R.; Dollery, B. Payment Schemes in Conditional Cash Transfer Programs: The Case of 4Ps in the Davao Region, Philippines. Adm. Sci. 2015, 5, 240-259.

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