Dear Editor,

The Programme of Advancement Through Health and Education (PATH) constitutes a pivotal Jamaican government initiative targeting poverty alleviation and human capital development through conditional cash transfers.

The current reliance on traditional paper-based disbursement methods introduces challenges like high administrative costs, security risks, and limited accessibility (Hendricks, 2021).

A transformative solution lies in adopting mobile money and JAMDEX wallets to enhance efficiency, security, and financial inclusion.

Traditional paper-based disbursements involve time-consuming processes with high costs and error susceptibility (‘NCB pushes mobile wallet’, Jamaica Observer, August 4, 2021). Conversely, mobile money and JAMDEX wallets streamline disbursements, reducing administrative costs and allowing real-time tracking. These digital platforms facilitate financial inclusion by offering formal financial services to PATH beneficiaries, promoting financial literacy, and reducing dependence on informal transactions.

Furthermore, security concerns in traditional disbursement methods are mitigated by the enhanced features of mobile money and JAMDEX wallets, including personal identification number (PIN) authentication and fraud monitoring. These platforms ensure funds are used appropriately and can serve as gateways to additional financial services, fostering long-term financial well-being.

Adopting mobile money and JAMDEX wallets would enhance the PATH programme’s sustainability by reducing administrative costs and expanding its reach (‘Lynk eyes government payments’, Jamaica Observer, November 30, 2022). The improved security and financial inclusion empower beneficiaries to break the cycle of poverty, contributing to Jamaica’s economic development.

Transitioning to mobile money and JAMDEX wallets for PATH disbursements presents a compelling opportunity. By embracing these innovative technologies, the Jamaican Government can empower its citizens, alleviate poverty, and foster a more inclusive and prosperous society.

L H Deer

lindsworthdeer@outlook.com