Acceptance & Adoptionof Mobile Money     Ultimate Technology for Microfinance                                            1
THIS PRESENTATION MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNERWHATSOEVE...
   Bank Andara is committed, focused    on microfinance development, as a    wholesale bank, as a partner, not as    a ri...
   Trend of digital money is creating business    opportunity   Huge target market for micro payment    (around US20 bio...
Telkom                                       PLN   Microfinance                                    Head Office   Instituti...
Co-BRANDING                                               International                                                Rem...
Co-BRANDING                                             International                                              Remitta...
Current Technical issue on Andara-Linkmobile Instability of network connectivityNetwork coverageNo roaming partnership ...
Eco-system of Mobile Banking and payment on Andara-Link                                                                   ...
Phase I   Bank Andara   MFI officer   Customer  Phase II   Bank Andara   MFI officer   Customer                           ...
Phase I   Bank Andara   MFI officer       Customer  Phase II   Bank Andara   MFI officer       Customer                   ...
 Trust Change behavior Where to start                    12
13
 Training & education Building awareness Encouragement Close assistance and support Follow-up and retraining         ...
Provide Training to agent for all levels  Technical Training                                Service Excellence       Manag...
Joint Marketing Programs “Using a unified branding, it’s now easier to communicate and to educate the market, as well as t...
“Wet-Market Penetration”                  “A marketing event in collaboration                  with MFIs, to introduce, to...
   Phone:    ◦ (021) 526 0707      (Jakarta)    ◦ (0361) 228 211      (Denpasar)   Website/Chat:    www.andaralink.com ...
   Negative impact due to SMS blast   Bank lead or Telco lead   Partnership between telco and bank   Understanding of ...
Contact:irianto.kusumadjaja@bankandara.co.id                                       20
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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Acceptance & Adoption of Mobile Money

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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Acceptance & Adoption of Mobile Money

  1. 1. Acceptance & Adoptionof Mobile Money Ultimate Technology for Microfinance 1
  2. 2. THIS PRESENTATION MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNERWHATSOEVER. ANY FORWARDING, DISTRIBUTION OR REPRODUCTION OF THIS PRESENTATION IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TOCOMPLY WITH THIS DIRECTIVE MAY RESULT IN A VIOLATION OF THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED, AND THE INDONESIANTRADE SECRET ACT NUMBER 30 OF 2000, AS AMENDED, OR THE APPLICABLE LAWS OF OTHER JURISDICTIONS. BY ACCEPTING DELIVERY OF THISPRESENTATION, YOU AGREE TO THE FOREGOING.EACH RECIPIENT, BY ACCEPTING DELIVERY OF THIS PRESENTATION, ACKNOWLEDGES THAT THIS PRESENTATION CONTAINS INFORMATION THAT ISCONFIDENTIAL AND NON-PUBLIC AND AGREES THAT ALL SUCH INFORMATION SHALL BE KEPT IN CONFIDENCE BY SUCH RECIPIENT AND NEITHERUSED TO SUCH RECIPIENT’S PERSONAL BENEFIT NOR DISCLOSED TO ANY THIRD PARTY FOR ANY REASON.THIS PRESENTATION CONTAINS A PRELIMINARY NON-BINDING SUMMARY OF TERMS FOR DISCUSSION PURPOSES ONLY. IT IS NOT AN OFFER TO SELL,NOR IS IT SOLICITING AN OFFER TO BUY, THE SECURITIES REFERENCED HEREIN. BECAUSE THE INFORMATION CONTAINED HEREIN IS A SUMMARY, ITDOES NOT CONTAIN ALL THE INFORMATION THAT YOU SHOULD CONSIDER BEFORE DECIDING WHETHER TO ACQUIRE THE SECURITIESCONTEMPLATED HEREIN. IT IS NOT MEANT TO BE BINDING ON ANY PARTY NOW OR AT ANY POINT IN TIME IN THE FUTURE NOR IS IT AREPRESENTATION OR WARRANTY OF ANY KIND. ONLY A DEFINITIVE AGREEMENT THAT HAS BEEN EXECUTED AND DELIVERED WILL BIND ANY PARTY.NEITHER THE UNITED STATES SECURITIES AND EXCHANGE COMMISSION, THE INDONESIAN CAPITAL MARKET AND FINANCIAL INSTITUTIONSSUPERVISORY AGENCY, NOR ANY OTHER REGULATORY BODY HAS APPROVED OR DISAPPROVED OF THE SECURITIES REFERENCED HEREIN OR PASSEDUPON THE ACCURACY OR ADEQUACY OF THIS PRESENTATION. THE SECURITIES REFERENCED HEREIN HAVE NOT BEEN REGISTERED UNDER THE U.S.SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY U.S. STATE, OR THE INDONESIAN CAPITAL MARKETACT NUMBER 8 OF 1995, AS AMENDED, OR OTHER JURISDICTION, AND WILL BE OFFERED AS A PRIVATE OFFERING ONLY TO CERTAIN QUALIFIEDINVESTORS PURSUANT TO THE EXEMPTION FROM REGISTRATION PROVIDED BY SECTION 4(2) OF THE SECURITIES ACT. THE INTERESTS MAY NOT BERESOLD OR TRANSFERRED EXCEPT AS PERMITTED BY THE SECURITIES ACT AND ANY APPLICABLE U.S. STATE OR NON-U.S. SECURITIES LAWS,PURSUANT TO REGISTRATION OR EXEMPTION THEREFROM.THIS PRESENTATION CONTAINS FORWARD-LOOKING STATEMENTS. THESE STATEMENTS RELATE TO THE COMPANY’S FUTURE PROSPECTS,DEVELOPMENTS AND BUSINESS STRATEGIES. THE FORWARD-LOOKING STATEMENTS IN THIS PRESENTATION ARE BASED ON CURRENT EXPECTATIONSAND ARE SUBJECT TO RISKS AND UNCERTAINTIES THAT COULD CAUSE ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE EXPRESSED OR IMPLIEDBY THOSE STATEMENTS. GIVEN THESE RISKS AND UNCERTAINTIES, THE RECIPIENT SHOULD NOT PLACE ANY RELIANCE ON FORWARD-LOOKINGSTATEMENTS.THESE FORWARD-LOOKING STATEMENTS SPEAK ONLY AS AT THE DATE OF THIS PRESENTATION. NEITHER THE DIRECTORS NOR THE COMPANYUNDERTAKE ANY OBLIGATION TO UPDATE FORWARD-LOOKING STATEMENTS OTHER THAN AS REQUIRED BY APPLICABLE LAWS WHETHER AS ARESULT OF NEW INFORMATION, FUTURE EVENTS OR OTHERWISE. 2
  3. 3.  Bank Andara is committed, focused on microfinance development, as a wholesale bank, as a partner, not as a rival AndaraLink is a brand of conceptual technology for microfinance needs Idea of community brings much rational costs and benefits as a group of MFIs 3
  4. 4.  Trend of digital money is creating business opportunity Huge target market for micro payment (around US20 bio) 77% transaction is still using cash 4
  5. 5. Telkom PLN Microfinance Head Office Institution Branch Office MFI Bank Indonesia Central Clearing System MFI MFIClients Cellular Provider MFI ATM Internet Provider Internet Banking Mobile Manual Banking 5
  6. 6. Co-BRANDING International Remittance Inter account Online Deposit Transfer between Cash-to-cash Payment & And Withdrawal MFI’s client Transfer (TOKEN) Deposit Collection Micro Bill payments Commercial Insurance Insurance Bank Transfer Payment payment Collection 2010 - 2011 2012 2013 - 2014 EDC Web Mobile Channel Channel for MFI ATM Merchants & Networks AgenciesAndara-Link Payment & RemittanceRoadmap Mobile banking
  7. 7. Co-BRANDING International Remittance Online Deposit Inter account And Withdrawal Transfer between Cash-to-cash Payment & MFI’s client Transfer (TOKEN) Deposit Collection Micro Bill payments Commercial Insurance Insurance Bank Transfer Payment payment Collection 2010 - 2011 2012 2013 - 2014 EDC Web Mobile Channel Channel for MFI ATM Merchants &Will increase Agencies Networksvolume and as aproduct of FinancialInclusion Mobile banking 7
  8. 8. Current Technical issue on Andara-Linkmobile Instability of network connectivityNetwork coverageNo roaming partnership among telco provider for Internet connectivity (??) 8
  9. 9. Eco-system of Mobile Banking and payment on Andara-Link Customer/ Member of MFIOther Commercial Banks Central Bank MFI Shop/ Mini mart Customer/ Member of MFI Bank Andara MFI Customer Shop/ Mini mart Mobile Network Operator Distribution Supply Company 9
  10. 10. Phase I Bank Andara MFI officer Customer Phase II Bank Andara MFI officer Customer 10
  11. 11. Phase I Bank Andara MFI officer Customer Phase II Bank Andara MFI officer Customer Agent 11
  12. 12.  Trust Change behavior Where to start 12
  13. 13. 13
  14. 14.  Training & education Building awareness Encouragement Close assistance and support Follow-up and retraining 14
  15. 15. Provide Training to agent for all levels Technical Training Service Excellence Management Development 15
  16. 16. Joint Marketing Programs “Using a unified branding, it’s now easier to communicate and to educate the market, as well as to have promotions” BannerRoll Banner Uniform Neon Box Stand Card 16
  17. 17. “Wet-Market Penetration” “A marketing event in collaboration with MFIs, to introduce, to promote, both AndaraLink and MFI’s product to get more client joining aboard” 17
  18. 18.  Phone: ◦ (021) 526 0707 (Jakarta) ◦ (0361) 228 211 (Denpasar) Website/Chat: www.andaralink.com Email: sos.andaralink@bankandara.co.id 18
  19. 19.  Negative impact due to SMS blast Bank lead or Telco lead Partnership between telco and bank Understanding of e-money or virtual account and the different with bank account 19
  20. 20. Contact:irianto.kusumadjaja@bankandara.co.id 20

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