ASSESSING THE EFFECTIVENESS OF E-PAYMENT IN REDUCING CORRUPTION IN THE MTUKULA PAKHOMO PROGRAM AT KASIYA COMMUNITY

This study assessed the effectiveness of electronic payments (e-payments) in reducing corruption within the Mtukula Pakhomo programme in Kasiya Community, Lilongwe District. Recognizing that corruption undermines the delivery of social support services and compromises the welfare of beneficiaries, the research sought to understand whether the introduction of e-payments could enhance transparency, accountability, and efficiency in the distribution process. The study focused on how e-payments influence service delivery, particularly in relation to security, reliability, privacy, and the reduction of human interference in the payment process. Additionally, it examined the challenges beneficiaries face when using the e-payment system, with the aim of identifying areas that require improvement for the system to be more effective and inclusive.

A qualitative research design was employed to gain in-depth insights into the experiences and perceptions of beneficiaries. This approach allowed the researcher to explore the subjective realities of participants, providing a detailed understanding of how the e-payment system operates in practice. Through this design, the study captured the voices of beneficiaries and highlighted the contextual factors that shape their interactions with the system. Data collection was conducted through face-to-face interviews with six purposively selected beneficiaries. The purposive sampling method ensured that participants who had direct experience with the e-payment system were included, allowing for richer and more relevant information. Interviews were conducted in a manner that encouraged open and honest responses, enabling participants to share their views without fear of judgment or repercussions.

The data collected was analyzed thematically, allowing the researcher to identify key patterns and themes emerging from participants’ responses. Through thematic analysis, the study revealed that e-payments contributed positively to the programme by improving privacy for beneficiaries, reducing public pressure, and limiting opportunities for corruption. Participants noted that the system reduced the need for intermediaries, thus decreasing chances of bribery, manipulation, or unfair distribution. The use of digital payments also enhanced the sense of security among beneficiaries, as funds were directly transferred to their accounts, reducing the risk of theft or misappropriation.

Despite these benefits, the study also identified several challenges that affected the effectiveness of the e-payment system. Participants reported experiencing delayed payments, which caused frustration and disrupted their ability to meet basic needs. Poor communication between programme administrators and beneficiaries was another major issue, leading to confusion about payment schedules and procedures. The weak complaint and feedback mechanisms were highlighted as a concern, as beneficiaries had limited avenues to report problems or seek clarification. In some cases, beneficiaries experienced exploitation due to inadequate support and guidance on using the system. These challenges indicated that while e-payments have the potential to reduce corruption, their effectiveness depends on strong management, clear communication, and continuous community support.

Overall, the study highlights the need for improved arrangements, enhanced management practices, and better community engagement to ensure that e-payments effectively contribute to transparency and accountability in social support programmes.