Locked Down, Locked out: Vulnerable Communities During the Pandemic (COVID-19)

The study brings to the fore that many instances of friction that were identified with regard to state support for the poor, and the cost to the individual of financial exclusion, pertain, regardless of a deadly global pandemic. The pandemic merely exacerbated them. Among these is the logistics of disbursing pension and PATH payments. Whether a debit or other type of smartcard that can hold value, or a mobile money mechanism, these payments are in urgent need of modernization. Getting more people banked, and getting those who have bank accounts to do business online would also increase efficiency and reduce inconvenience. Another noteworthy issue is the extra attention that needs to be given to communicating with the disabled, who are especially in need of support.