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Branchless Banking in Pakistan
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Branchless Banking in Pakistan

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Highlight on Branchless Banking, its function, penetration and growth opportunities in Pakistan, role of SBP and regional comparison.

Highlight on Branchless Banking, its function, penetration and growth opportunities in Pakistan, role of SBP and regional comparison.

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  • 1. Branchless Banking “Mobile Banking” An overview and comparison with Regional Economy Shoaib Lalani 11541
  • 2. An overview of Branchless Banking • What is Branchless Banking? • Pioneer of Branchless Banking • Products of Branchless Banking Presented By: Shoaib Lalani
  • 3. Era of Mobile Banking • “Mobile banking a game changer” – says Governor SBP • What is Mobile Banking? • History of Mobile Banking • Well know players in Mobile Banking Presented By: Shoaib Lalani
  • 4. Advantages of Mobile Banking • open up to 24 hours a day, depends on the agents • very small fees for the agents • may withdraw or deposit a small amount such as $1 • no need for a bank account, only a mobile phone number • generate low income for thousands of agents • very small bank overhead • suitable for many people with low income • suitable for many people with low literacy • reduced transportation costs and time due to close proximity to multiple agents Presented By: Shoaib Lalani
  • 5. Participant of Mobile Banking • Mobile Network Carrier • Bank • Agents • Individuals Presented By: Shoaib Lalani
  • 6. How it Works? BANK Network Agent Sender Presented By: Shoaib Lalani Network Agent Receiver
  • 7. Services?
  • 8. Major Players in Pakistan • EasyPaisa – Telenor – Tameer Microfinance bank • UBL Omni • Mobi cash – Mobilink – Waseela Microfinance bank • Timepey – Zong – Askari Bank • Upaisa – Ufone – Ubank • Others Presented By: Shoaib Lalani
  • 9. Role of State Bank of Pakistan • Strict rules and regulation • Formulate guidelines • State bank perspective Presented By: Shoaib Lalani
  • 10. Highlights of Mobile Banking Presented By: Shoaib Lalani Source: State Bank of Pakistan
  • 11. Highlights of Mobile Banking Presented By: Shoaib Lalani Source: State Bank of Pakistan
  • 12. Highlights of Mobile Banking Presented By: Shoaib Lalani Source: State Bank of Pakistan
  • 13. Highlights of Mobile Banking Service Value Source Zong – Timepey PKR 44million worth of Transaction in 2012 The news tribe Telenor – EasyPaisa Total transaction of PKR Telenor website 140 bn to date. 34% increase in UBL consolidated transaction value in third accounts summary quarter of 2013 UBL – omni Presented By: Shoaib Lalani
  • 14. Hindrance in Mobile Banking • Non availability of 3G and LTE technology • Infrastructure. • Security issue. Presented By: Shoaib Lalani
  • 15. Future Outlook of Mobile Banking in Pakistan • Annual growth of 35% predicted by BCG. • 12% have access to financial services versus 70% of adult population. • Technology growth Presented By: Shoaib Lalani
  • 16. Regional Peers • M-pesa - India – Vodafone • Banglalink and Citycell - Bangladesh • Ghar Angan Banking Sewa - Katmandu – BoK • Mobile Khata – Nepal • M-Pesa and ZAP - Kenya Presented By: Shoaib Lalani
  • 17. Regional Comparison - Bangladesh Pakistan Bangladesh Transaction value $879 mn $1,030 mn Transaction volume 34.3 mn 33.8 mn Avg. transaction value $26 $31 Agents 42,000 Presented By: Shoaib Lalani 71,000
  • 18. Regional Comparison - India • Government perspective • 3.14% service fee • Reserve Bank of India’s role Presented By: Shoaib Lalani
  • 19. Thank You!!!! Presented By: Shoaib Lalani