Consultancy: Software developer for digital savings wallet At Save the Children




Save the Children International (SCI) is in the process of placing a Service Agreement with a software development agency. The attached TOR and the evaluation criteria has been specifically created to provide you with all the information required to understand SCI’s requirements, and complete a response, should you wish.

Responses should be submitted no later than 6th of April 2021 at 17:00 GMT+2 Lebanon either by Paper Submission or Electronic Submission:

Paper Submission:



One hard copy of bid submitted on headed paper

    • Bids to be submitted to Tehouita Highway, Furn el chebbak, Pikasso building – 3rd floor, Beirut, Lebanon
    • Bids should be submitted in a single sealed envelope addressed to Save the Children Int. Lebanon
    • The envelope should clearly indicate the Invitation to tender reference number PR-Z-2021-038 but contain no other details relating to the bid.
    • All documentation submitted should be done in their own clearly labelled envelopes which are submitted in one single envelope as detailed above.

Electronic Submission:

An email containing a copy of the bid:

    • Email should be sent to .
    • Please note – this email box is a sealed tender box so DO NOT SEND QUESTIONS related to this tender to this email address.
    • The subject of the email should be “Invitation to tender PR-Z-2021-038 Bidder Response – ‘Bidder Name’, ‘Date”
    • All documents should be clearly labelled so it is clear to understand what each file relates to.
    • Email size should not exceed 15mb – if this limit is breached bidder should split the submission into two emails.
    • Do not copy other SCI email addresses into the email when you submit it as this may invalidate your bid.

Should you have any questions about Save the Children, this invitation to tender or anything related to this document, please contact the Save the Children contact detailed below. Enquiries should be submitted in writing via email / mail.

Save the Children

We look forward to receiving your response

Terms of Reference

Scope of the consultancy

The consultant will develop an application-based software or mobile wallet which will promote capacity of both Lebanese and refugee to accrue savings. The immediate objective of the intervention is access to basic financial services and improvement in their financial resilience, to attain longer term Material Safety. The app would include a non-financial component on financial education to increase the support to save, and in a second stage facilitate remittances by reducing the costs associated with moving small amounts of money across borders.

Overall objective: Design and delivery of a field-tested savings software applicable for the legal and policy framework of Lebanon for the target audiences

Expected results and deliverables

Task 1: Review of the policy and legal environment of Lebanon

There are currently no mobile money operators in Lebanon, however there are many types of applications where currency tokens/credits are stored, such as MTC/touch, or various delivery applications where cash back can be offered to a customer by way of in-app credit. It is hard to buy cryptocurrencies in Lebanon, except in small quantities on the P2P platform. This is due at least in part to Know Your Customer (KYC) laws in Lebanon linked to counter-terrorism financing. Notably, SC is not a financial institution, and financial institutions in Lebanon cannot allow refugees to open a bank account, so there is need to understand whether use of a mobile wallet application and/or the use of blockchain-supported software is permitted and does not violate these policies. Recognizing that these technologies are not necessarily linked, this should be one area of consideration for the developer.

The consultant will work with SC to explore the legal options and policy framework for 1) establishing a mobile wallet/savings program for refugees in Lebanon and unbanked Lebanese 2) building a program that can allow clients to cash out both in Lebanon and inside Syria, and 3) the process of cashing out inside Syria. With regard to transfer component, advice on the impact of sanctions on the transfer of tokens, whether blockchain can or should be applied, and cyber security risks either operational or legal are all variables to be considered.

This review stage should also consider the rights, legal status, and social context for both refugees and vulnerable Lebanese, for youth, and for women. An age- and gender-sensitive review of the possible bottlenecks and social restrictions may inform both the software architecture and the user interface.

Task 2: Design of the software

The platform should allow at a minimum the following

  • Deposit and withdrawal in a safe, transparent, and efficient manner by all target populations through context-considerate digital ID
  • Delivery of appropriate SBC- and culturally-informed financial inclusion messaging related to both savings goals and financial incentives
  • Capacity to interface with third party training software for financial inclusion education (using links or API)
  • Savings accrual in a way that allows deposits to retain their value, regardless of when and where the client decides to cash out. This may be separate from fees charged by agents during withdrawals.
  • Accessible and smooth language functionality in simple Lebanese Arabic (with right-to-left text)
  • Possible to use on both smartphones and feature phones
  • User interface, data protection/sharing/management practices, and graphic design that aligns with industry best practices and all SC policies, notably Child Safeguarding and Communications
  • Full transaction monitoring disaggregated by categories to be determined by SC

It is preferred that the software is also capable of scale during a second stage of program delivery:

  • Architecture which allows accrual of micro-interest or incentivizes savings through in-app credit
  • Design which takes into consideration horizontal scale in Lebanon, identifying and onboarding new networks of agents and ensuring safe, easy and trustworthy use of the platform
  • Selection of appropriate financial service technology and providers which can accommodate withdrawals (or transfers) in multiple countries, including nationalities which are most common among refugees and migrants living in Lebanon

Task 3: Field testing of the software

Field testing will be carried out together with the SC Lebanon project field team. This team will be available for discussions on contextualization, particularly with regard to the user experience. The developer should work together with SC to define the methodology (objectives, survey tools, etc) for the field-testing stage. The developer will be responsible for modifications based on client feedback.

The project timeline should allow for three periods of stakeholder feedback-gathering, happening at a time when reasonable solutions to the feedback can be implemented:

  1. At beginning of project, gathering and/or refining initial list of requirements
  2. After the requirements and basic mock-ups and/or prototype have been created
  3. Upon completion of the working product, in order to identify and rectify any critical issues to performance (user acceptance testing)

Task 4: Delivery of the software and administrator training

The developer will deliver the software together with an administrator manual and a training to staff responsible for orienting and administrating users on the platform. The objective of this training is staff will understand comprehensively how to work effectively with the platform, including troubleshooting and FAQs based on the feedback gathering tasks above. This will be delivered in a half-day interactive and remote workshop in English, and deliverables include all presentation materials, recording of the training, and administrator manuals.

Hosting and maintenance recommendations should be discussed with SC on the closing stage of the consultancy, based on the final design of the app solution. A final project report will include these recommendations, as well as guidance on any functionality required to scale the software in the second phase such as international payments or withdrawals.

All deliverables will be submitted to the Social Protection, Food Security, and Livelihood Technical Advisor (TA) for review and approval before considered complete.

Deliverable

1

Detailed workplan for the consultancy period, including any meetings needed or materials or tasks required from the SC team

2

Report which outlines the review of the policy and social environment, and provides preliminary recommendations for the software design, for comment and feedback

3

Regular communication on progress (email or meetings) on various design elements, ongoing frequency TBD with the TA, weekly or more frequently based on the project stage

4

Stakeholder feedback: Agreeing with SC on preliminary design and gathering and/or refining initial list of requirements

5

Development of prototype based on feedback

6

Stakeholder feedback: After basic mock-ups and/or prototype have been created, design and implement participatory feedback from field levels

7

Refinement of product based on feedback

8

Stakeholder feedback: Upon completion of the working product, in order to identify and rectify any critical issues to performance (user acceptance testing)

9

Finalization of product based on feedback

10

Presentation of final software design to senior management

11

Deliver administrator training, including all materials, recordings, and instruction manuals. Delivery of final project report including description of hosting requirements and server configuration; Application files required for releasing application through Google Play Store.

Required Competencies

ESSENTIAL CRITERIA

These are criteria which bidders must meet in order to be successful and progress to the next round of evaluation. If a bidder does not meet any of the Essential Criteria, they will be excluded from the tender process. This criteria is scored as Pass or Fail and will not be evaluated against capability and commercial criteria.

  1. Bidder’s registration in Lebanon: (software development agency) (private or non-governmental) Bidder to submit copies of company registration, tax ID certificate. Bidders have to provide with Owner or CEO or GM passport/I.D. copy.
  2. Bidders to provides three examples from past 24 months related to similar projects, (preferably recommendation letter), preferably governmental institute, INGO, UN Agencies, NGOs.
  3. Bidder must submit a work plan which includes the timeline for completion of the service. (includes in the score)
  4. Bidders must submit the implementation team CVs and the team based organizational structure (includes in the score)
  5. Bidder’s confirmation of compliance with the attached Conditions of Tendering, Terms and Conditions of Purchase, Anti-Bribery and Corruption Policy, Child Safeguarding Policy, IAPG Code of Conduct, etc. Bidders to read and sign on each of the mentioned documents.
  6. Bidders to confirm that they are not any prohibited parties or on Government blacklists. (Bidders to submit a signed confirmation letter).
  7. Bidder’s willingness to accept 100% payment to be paid until the maximum of 30-45 days from submission of invoice (after complete delivery) with all valid supporting documents, payment method will be by international Transfer in (USD) (Bidders to submit a confirmation letter)

CAPABILITY CRITERIA 60%

These are criteria will use to evaluate the bidder’s ability, skill and experience in relation to the requirements of SCI. All bids which pass the Essential Criteria will be evaluated against the same pre-agreed Capability Criteria, which will have been created by a committee of representatives from SCI.

  • Bidders to submit a full proposal includes (work plan, time table, methodology, objectives, team expertise…). Criteria weightage (15%)
  • Bidder to submit the methodology approach (mixed, qualitative and quantitative) and the extent to which the proposed action covers all concerned stakeholders. Criteria weightage (10%)
  • Bidders to submit the implementation team CVs and the team based organizational structure Criteria weightage (15%)
  • Delivery of report within the assigned period or working days. Criteria weightage (20%)

COMMERIAL CRITERIA:

These criteria will be used to evaluate the commercial competitiveness of a bid. All bids which pass the Essential criteria will be evaluated against the same pre-agreed Commercial Criteria, which have been created by a committee of representatives from SCI.

All Capability and Commercial Criteria will be weighted accordingly to reflect their importance. The Commercial Criteria will account for at least 40%. The Capability Criteria will account for up to 60% of the score.

How to apply

Please follow this link to apply: https://www.aplitrak.com/?adid=cy5raG9kci4xMzg4OS4xMjE4NUBzYXZldGhlY2hpb…



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