3. @15!

7. 





8. Factors Affecting Banks
Inclusive New
Regulations Technologies
Rural Increasing
Changing
Competitio
Markets Banks n

10. Wider Consumer Choices

11. Multiple Borrowings & Over-Indebtedness

12. Interest Rate Transparency

13. RBAP Pricing Transparency
Workshops for Visayas Rural Banks
Mar 13-14 Cebu
Mar 21 RBAP
April 10 RBAP
April 20 Iloilo City
April 25 Cagayan de Oro City
May 5 Bacolod
May 11 RBAP

14. More Discriminating Clients
ATM Cards
Microinsurance

15. Addressing the Needs
of your Market
TRADITIONAL NEW

16. Inclusive Regulations Enabling Greater
Outreach
Branchless
Banking
Mobile
E-Money
Cash Card
Microinsurance ATM
Debit Card
Microsavings products
More micro loan products
(Housing Microfinance, Micro Agri)
Micro Banking Offices

19. Micro Deposits

20. New Technologies & Channels

22. The rise of Mobile Banking Apps

23. Mobile Money Platforms

24. Today, Rural Banks Can Offer the Following
Mobile Phone Banking Services…

25. Card-based ATM Banking

26. Use of Third-Party Networks

31. Rural Bank Responses
 Market trend responses
o Product diversification
o Customer retention programs
o Introduce payment services
 Competitive responses
o Use MBOs
o Introduce micro-deposits & mobile money
transfer to ‘up-sell’ other products/services
Use third-party networks to outsource KYC &
market bank services

32. Rural Bank Responses
New Technology Adoption
 Deploy Cash/Debit Card
 Mobile Phone Banking
 “Agent” Channels
 Upgrade Core Banking Solutions
 Utilize the Power of Social Networks

33. T hings to watch out ...
2.
3
1. Outreach
2. Competition
3. Efficiency
4

34. Example of Crowdsourcing

35. Answers from the Experts

36. Answers from the Experts

38. M a r a ming
S a l a m a t!!!

39. EMAIL: jowens@rbapmabs.org
TWITTER: @jvowens
Websites:
www.rbapmabs.org
www.mobilephonebanking.rbap.org
microinsurance.rbap.org
www.youtube.com/rbapmabs
Facebook:
MABS Phil