Owner @ Forte Fintech | Former Bain & Glenbrook Partner | Expert in A2A, Wholesale, & B2B Payments | Strategic Advisor to Payment Providers, Fintechs, Entrepreneurs and Investors
In my pre-Bain life I did a fair amount work focused on making government payments accessible, easy to use, and modern. Recent DOGE efforts draw attention to the need for improvement, but I fear the result will be chaos. But it is a wake-up call for how we can do better. Payment enabled eGov solutions ought to be seamless, secure, and efficient. Instead, they are often a mess of inefficiency, manual processes, and legacy systems that frustrate both citizens and businesses. Governments can (and must) do better. Based on my work with municipal, state/provincial, and national agencies here in the U.S. and abroad, here are my suggestions: 1️⃣ Go digital—but do it right Paper checks and manual processing should be relics of the past. e-payments reduce costs, increase speed, and improve security. But modernization needs to be done strategically, not as a rushed power grab. The Government Finance Officers Association (GFOA) stresses the importance of clear policies to ensure smooth implementation. 2️⃣ Prioritize security and access controls One of DOGE’s biggest missteps was attempting to override Treasury’s existing safeguards. To retain trust, governments need to implement robust security protocols, multi-factor authentication, and access restrictions to prevent unauthorized use of sensitive financial data. 3️⃣ Build transparency and accountability Every payment should be auditable, and every decision should be accountable. Establishing clear oversight mechanisms prevents fraud and ensures public trust. Solutions like real-time transaction monitoring and transparent reporting help keep everyone honest. 4️⃣ Leverage APIs and interoperability Government payment systems should integrate seamlessly with banking infrastructure, tax agencies, and social services. APIs allow for better data exchange, reducing processing delays and ensuring more efficient fund distribution. 5️⃣ Ensure 24/7 availability Citizens rely on government payments for essentials. Government agencies can take advantage of round-the-clock payment rails. But real time payment infrastructure isn't enough. Gov agencies need redundancy measures in place to prevent downtime and must streamline internal processes to ensure that benefits and refunds aren’t delayed by bureaucratic inefficiencies. 6️⃣ Use smart reporting and analytics Robust data analytics can help detect anomalies, optimize agency cash flow management, and prevent fraud. Government entities should invest in AI-driven insights to improve forecasting and decision-making. The Path Forward Government payment modernization isn’t just about technology—it’s about trust. DOGE’s overreach highlights the dangers of prioritizing speed over thoughtful execution. The alternative? A strategic, well-governed shift toward digital, secure, and interoperable payments that serve the public good. The stakes are too high to get this wrong. Let’s make sure we get it right. (photo is me in Islamabad back in 2016)