Government-to-Person Payment Systems: A Primer

Bianca Sofia Lopez

Senior Associate

Rachel Black

Former Policy Advisor

Direct cash payments impact millions of U.S. households, playing a routine role in combating food insecurity, providing income support to retirees or workers unable to work due to a disability, and a time-tested strategy for macroeconomic stabilization during downturns. These critical functions underscore the stakes of Government-to-Payment (G2P) systems to function effectively. Unfortunately, evidence from across programs in government demonstrates that the different payment delivery systems in the U.S., while essentially performing the same task, perform unevenly at best. 

The aim of this primer is to provide leaders—especially federal policymakers and program administrators—broadly applicable, actionable insights for improving performance across G2P payment systems. In particular, we find specific impact opportunities for actors across these systems to exercise existing levers to improve performance across three key Performance Indicators:

  1. Reach: The ability of participants to access and receive benefits. 
  2. Ease: The level of friction involved in accessing and receiving benefits. 
  3. Usefulness: The level of consumer protections and functionality payment products provide.

Download the full report and view the challenges and opportunities within the current G2P systems, featuring two journey maps that break down these processes.

Blog Posts

Trump Accounts Are Here–Now Let’s Make Them Work for the Kids Who Need Them Most

Trump Accounts were signed into law. Now, private and public sector need to work together to make sure these early wealth building accounts help low-income families.

Blog Posts

America’s Babies Are Now Retirement Investors—Now What?

Trump Accounts could offer an 18-year head start on saving for retirement. How do we ensure that they work for everyone?

Karen Biddle Andres and Jason Ewas present at a forum.
Blog Posts

Lessons from Expert Roundtables on Designing an Effective Early Wealth Building Policy

Aspen FSP recently convened a series of roundtables on early wealth building policy. Here’s what we’ve learned.