<p>Title is not clear. It is not clear if you are talking about efficiency of money transfer or efficiency in implementing COVID-19 activities. It is from your main objective that one can understand that you are talking about money transfer efficiency. &nbsp;</p><p>Methods: why did you put your definition into parenthesis: " Traditional payment was defined as (sending an accountant physically to do the payment), while the mobile payment was defined as (sending the payment through mobile)"</p><p>Results: It should be good to compare some indicators of COVID-19 activities before and after your intervention. Example timely activity report? How was it before and how the cashless transfer improved this indicator. Some of your results are subjective. e.g high motivation of staff. How did you measure this motivation?&nbsp;</p>