easypaisa ServicesTelenor Pakistan and Tameer Micro Finance BankMobile Banking & Payments for Emerging Asia Summit        ...
The Opportunity - 2009                                                                            Number of loan and depos...
Pakistan is under-banked…        …Butmost         people are         involuntarily         excluded
Focusing on the Individual                    How does this man…                    • Pay Bills?                    • Tran...
Value Chain Model with Tameer Microfinance               National & Branchless              Outreach at   Banking         ...
The Model – Go to Market                            Pakistan Population                                   180 M           ...
15th October 2009                    7
Over-the-Counter (OTC) Model
Over the Counter Services1                               4                               7                                ...
OTC was a success!                • Basic Financial Services in a reliable                  and convenient way            ...
Mobile Accounts                  11
Mobile Accounts (m-Wallet)•   Leveraging upon the OTC success•   Self-Service transactions, anywhere, anytime•   For Telen...
Services on Mobile Accounts• Funds Transfers          •   Donations   – Account to Account    •   Airtime Top Up   – Accou...
More Services, More Channels?• Moving beyond transactional services  –   Savings and Lending products  –   Insurance produ...
THANKYOU           15
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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_easypaisa Services Telenor Pakistan and Tameer Micro Finance Bank

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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_easypaisa Services Telenor Pakistan and Tameer Micro Finance Bank

  1. 1. easypaisa ServicesTelenor Pakistan and Tameer Micro Finance BankMobile Banking & Payments for Emerging Asia Summit October 2012 Omar Moeen Malik omar.malik@telenor.com.pk 1
  2. 2. The Opportunity - 2009 Number of loan and deposit accounts per 1,000 population 1,200 1,118 Loan Deposit Bank account 600 443 364 penetration 255 171 110 61 78 11 32 0 Nepal Bangladesh Pakistan India Sri Lanka Number of branches and ATMs per 1,000 sq km 60 Branches 45 40 ATMs Physical 23 coverage 20 16 12 10 7 3 0 3 2 0 Nepal Bangladesh Pakistan India Sri Lanka GDP per 1.2 1.3 2.6 2.7 4.1 capita ($K)Source: CIA World Factbook, PSIS dataset, Getting Finance in South Asia — World Bank 2
  3. 3. Pakistan is under-banked… …Butmost people are involuntarily excluded
  4. 4. Focusing on the Individual How does this man… • Pay Bills? • Transfer money • Domestically? • Internationally from family? • Save? Market Potential • 30 millions bills per month • Transfer money • Domestically - $7bn per year • Internationally - $9bn per year • Save – Only 12% population has access to formal financial services 4
  5. 5. Value Chain Model with Tameer Microfinance National & Branchless Outreach at Banking Low Cost License Banking Strong Brand experience & Image & competency Marketing Shared vision Large Existing and strategy Customer Base
  6. 6. The Model – Go to Market Pakistan Population 180 M 100% Mobile Users Non Mobile Users 90 M 90 M 50% 50% Market Situation in 2009 Other Mobile Telenor Customers Operators 20M 70 M 11% 39%
  7. 7. 15th October 2009 7
  8. 8. Over-the-Counter (OTC) Model
  9. 9. Over the Counter Services1 4 7 Sender communicates the Pass-code to the Receiver Receiver enters the Secret Pass-code.2 5 8 Retailer gives cash to receiver3 6 9 Sender types in a 5 digit Confirmation SMS received & Trx 9 Secret Pass-code. completed
  10. 10. OTC was a success! • Basic Financial Services in a reliable and convenient way • 20,000 easypaisa shops in 750 cities • 160,000 avg. transactions per day • Targeting 60 Million Transactions worth Rs. 120 Billion in 2012 • Approx. 4 million users every month • Targeting the Unbanked, Corporate and Government • Brand awareness >80% • 25% of the revenue for the channel • “Best Mobile Money Transfer of the Year” by MMT in 2010 • 2nd fastest growing BB service 3 years after launch 10
  11. 11. Mobile Accounts 11
  12. 12. Mobile Accounts (m-Wallet)• Leveraging upon the OTC success• Self-Service transactions, anywhere, anytime• For Telenor subscribers only• Cheaper transactions• More services available than on OTC• USSD menu in Urdu and English• Cash Deposit/Withdrawal at any easypaisa shop 12
  13. 13. Services on Mobile Accounts• Funds Transfers • Donations – Account to Account • Airtime Top Up – Account to Person • Savings with Insurance – Person to Account • Retail Purchase• Bill Payments • International Remittances – Utility Bills – Internet Companies • Airline Ticketing CORPORATE SERVICES• Pension Payments • Salary Disbursals• Incoming Payments • Government Welfare• Loan Disbursements and Disbursals Repayments 13
  14. 14. More Services, More Channels?• Moving beyond transactional services – Savings and Lending products – Insurance products – Online products – Retail Purchase - A Cash-lite Economy• Offering more channels? – Cards? – IVR? – Web Portal? – Handset Apps? 14
  15. 15. THANKYOU 15

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