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Publication Date

December 2003


Jennifer S. Lobenhofer, John Quinterno, Michael A. Stegman

Researchers examine the costs, benefits, challenges and policy implications of the widespread use by states of electronic benefit transfer (EBT) technology to distribute welfare benefits.

This paper seeks to advance public understanding of the development of Electronic Benefits Transfer (EBT) as the favored method of transferring various cash assistance welfare payments to eligible individuals.

The merits of EBT and its challenges are viewed from the perspectives of all of the relevant stakeholders: beneficiary recipients, merchants, and government authorities.

We assess EBT in terms of considerations such as cost, technological reliability, administrative ease and fraud reduction.



Topics(s): Financial Inclusion, Financial Services Industry