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Rabo Development & Sustainable Distribution

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Presentation @ a SWIFT conference in Brussels, Belgium, 28 September 2012

Presentation @ a SWIFT conference in Brussels, Belgium, 28 September 2012

Published in Business , Economy & Finance
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  • Physical Banking Channels Branch Networks Self-Service Machines (ATMs, teller machines)Partnership Models & Agency Banking“Branchless” Banking with Bank-Owned Channels/PersonnelVehicle BanksContainer BankingFlash and Capacity-Management Service ChannelsVirtual Service ChannelsIVR Banking and Call-Centre Support / BankingInternet Banking (incl. Internet Banking Kiosks)Mobile BankingSMS Banking and Information Services for Consumers, Farmers, BusinessMerchant and Retail Payments, Support for the Supply-ChainEmail BankingPhysical MailTelevision BankingOther Value-Added Services

Transcript

  • 1. Rabo Development &Sustainable DistributionHow Rabo Development is Using Mobile, Branchless Banking Formulas to ChangeAccess to Financial Services in Sub-Saharan AfricaA few slides on mobile banking and payments within RaboDevelopment partner banks.Dan Armstrong, 28 September 2012
  • 2. Rabobank Group World-Wide KeyRabobank Group Rabo Development 48 countries, 59.000 employees Rabo International – Retail & Wholesale  Partner Banks: Brazil, Paraguay, Zambia, Tanzania, Rwanda, Mozambique, China Robeco, Sarasin, Orbay, Obvion, Interpolis, Rabo International - Wholesale Lage Landen, Athlon , etc.  Projects: Egypt, Malaysia, Vietnam, Rabo Development Kazakhstan, Pakistan, Ukraine, Malawi, Main focus on food and agri-banking, India, Botswana, Peru,. Cameroon, etc. cooperative banking, and retail Rabobank Foundation
  • 3. Banking and Banking Usage Trends Alternative Traditional Physical Virtual
  • 4. Distribution in Our Developing Markets Banked Customers Time
  • 5. Some MFS Rabobank has launched in NL 2003-2012
  • 6. Other Rabobank and Partner MFS Apps, Trials,Products
  • 7. But really, what do our developing markets expect froma wallet?  A place to store cash?  A place to store payment tokens?  A place to store other tokens?  A personal object?  A private object?  Something small enough to be portable/mobile?  … but … do people need a physical object?
  • 8. Then, what do our developing markets expect from atransaction device?  Identification of myself, my rights and capabilities, memberships.  Identification of myself, an authentication tool for payment.  Secure, multi-factor  Tamper-resistant/evident  Personal and private  Easy to use  … but … do people need a physical object?
  • 9. Generating Successful Formulas Currently has / uses another financial product Too poor Target / Does not have Excluded by Addressable access to the design Market product Excluded by default Does not have / use a financial product Does not want the product Has access to the product, but does not use it Potential users Based on: http://www.bankablefrontier.com/assets/pdfs/access-frontier-as-tool.pdf
  • 10. Zanaco  40+ years of success, growth and stability, successful expansions, privatisation and IPO  650.000 customers, 1.200 employees, 50 branches  Year-on-year profitability, K3 bln in assets, mature risk management regime. Healthy account portfolio including retail, agricultural, SME and corporates.  Transformation to modern banking tools: 100+ ATMs, internet banking, mobile banking
  • 11. Xapit Instant Banking  Mobile Banking: Launched in late 2008, USSD mobile banking • 250.000+ customers to-date • 20+ bill payment partners, prepaid airtime, etc., 21 transactions per month  Light Account: Also, Xapit „account‟ = welcome pack + mobile banking + ATM card  DSA: Sign-up for an account *444# and get mobile banking and a VISA debit card in 5 minutes.  Agency Banking: 123 ZamPost & 9 independent agency locations  Truck Banking: Zanaco mobile banking vehicles
  • 12. FMB Fast Account  First Merchant Bank (Malawi) • 19 branches, corporate and retail banking, 600 employees, growing strongly • 1/11 commercial banks in Malawi  FMB Mobile / FMB Fast Account • Launched summer of 2010, 75.000+ customers to-date • Successful to-date – packaging of ATM card, bank account and mobile banking functionality • *** Includes immediate (small) balance on customers’ account, facilitating usage of the new product
  • 13. Case Study: NMB Tanzania  NMB: National Microfinance Bank Ltd. • Also by-far the largest bank in Tanzania • 1.8 mln customers: regular Tanzanians, all teachers, army, etc. • 400+ ATMs in place, most customers have ATM cards • 150 connected branches (100%)  However, as a former government bank: • Must handle bill payments, salary dispersal and non- customer transactions • Major queue problems
  • 14. NMB mobile – mobile banking  Dial *155*66# to access  Features: • Balance Inquiry • Mini-Statement • Money transfers to any NMB account NMB mobile • Tanesco Luku Prepaid Electricity Purchase 1. Balance Enquiry 2. Mini-Statement • 3. Money Transfer Vodacom and ZAIN Prepaid Airtime Top-Up 4. Prepaid Services 5. Other Services • NMB Services like ATM card block, settings 6. Help  No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123#  NMB mobile: • Launched in August 2009 • 550.000+ active customers to-date • All mobile networks, 100% nation-wide coverage • SMS Alerts to 220.000 customers monthly
  • 15. BPR Rwanda  BPR (Banque Populaire du Rwanda) is by far the largest bank in Rwanda • “Bank of the people” with roots in cooperative and food/agri-banking (>85% of Rwandans are farmers) • 1,3 mln accounts  In 2011, 47/191 BPR branch banks were automated: • Around 150 locations used paper ledgers • Staff may have had no previous experience with computers • Fraud and information integrity are problems • Customers can only bank at one branch location
  • 16. Bank Branch: RwandaNo power, internet connectivity
  • 17. Bank Branch: RwandaWaiting for teller cash withdrawals
  • 18. Bank Branch: RwandaAccounts prior to automation
  • 19. Bank Branch: RwandaTeller
  • 20. Bank Branch: RwandaTeller
  • 21. BPR Mobile Banking  “Project Columbus” • Automated all 191 branches in 11 months • Mobile internet (incl. USB modems, laptops), power • Data migration, training of staff and customers, card distribution  New BPR E-Channels • BPR Mobile Banking (launched 09/2010, 150.000+ customers to-date) • BPR SMS Alerts • BPR ATM Cards • BPR QuickCash ATMs • BPR Call Centre
  • 22. BPR “Quickcash” ATMs  Quickcash and ATM Cards • 100 BPR ATMs online in 2011 throughout Rwanda (donated by local Rabobanks) • Increased ATM usage through new marketing and promotions, usability campaigns and POS roll-out  New E-Banking Call Centre • BPR call centre successful operating, incl. ACD/call queue system • Inbound and outbound calling to improve usage, sign-ups and customer satisfaction • 650-1.000 calls per day, service level is 85%+
  • 23. BPR Mobile Banking Mobile Banking 1. Balance Inquiry 2. Mini-Statement 3. Money Transfer (BPR Accounts) 4. Prepaid Airtime • MTN • Tigo (pending) 5. Bill Payments • RECO Prepaid Electricity • StarTimes Africa TV • DStv • MTN Postpaid Bill • Tigo Postpaid Bill (pending) 6. Bank Services • Change BPR Mobile Banking PIN • Change Language • Order Cheque Book 7. Help
  • 24. BPR Mobile Road Shows & Sign-upSuccess
  • 25. BPR Mobile Road Shows & Sign-upSuccess
  • 26. BPR: Simbuka
  • 27. Thank You!Dan Armstrong, +31652085071 www.rabobank.nldan.armstrong@takashimobile.com www.rabobank.com