good

1. CBE LDD
Welcome
CBE LDD

2. Getting To Know Each Other

3. House Keeping Rules
Attention
Time management
Cell phone management
Avoid side talk

4. At the end of the training, participants will be able to:-
 Understand the importance of digital banking
 Realize the strategic importance of digital banking;
 Analyzing the challenges and benefit of digital banking
 Be familiar with CBE digital banking products.
OBJECTIVES OF THE COURSE

5. Chapter one: Introduction to Digital banking
Chapter Two: CARD Banking
Chapter Three: Online banking
Chapter four: Agency Banking

6. Chapter one
Introduction to Digital Banking

7. 30 August, 2023
7
What
is
Digitalization
Introduction to DIGITAL BANKING

9. DIGITAL BANKING
•Digital Banking is the digitalization (or moving online) of all the traditional
banking activities and programs that historically were only available to
customers when physically inside of a bank branch.
•Concentrates on providing a seamless, pleasurable customer experience
It enables banking industry to bring structural change
is making a bank fully digital and automated front-
office, middle-office and back-office.
•Offering Banking Services “anytime anywhere”
•All about innovation, agility, Security & Customer’s Convenience

10. Digitalization
• Is the use of digital technology to change business model to
provide new revenue and value producing opportunity.
• Is the process of moving to digital business
• Opened in both banking and non-banking industries
• Rapidly taking over peoples daily life and business
OVERVIEW . .

11. Overview
Evolution of Money
30 August, 2023

12. Changing

13. Trends of Banking
BANK 1.0
Historical, traditional banking centered on the
branch as the primary access point. Started with
the Medici family in the 12th century.
BANK 2.0
The emergence of self-service banking, Commenced with
ATM machines and accelerated in 1995 with the
commercial internet.
BANK 3.0
Banking when and where you needed it as redefined by
the emergence of the smart phone in 2007
BANK 4.0
Dominated by real-time; contextual experiences;
frictionless engagement and largely digital Omni-channel
with zero requirements for physical distribution.
Banking 4.0 - is banking everywhere, never at bank.

14. Overview…
CBE Digital Move
• COBOL Banking Application
• Bank Master (Branch Power) Core Banking
• Smart Bank system (for stand alone branches)
• TEMNOS Core Banking System T24-R10
• Server & Storage –Server Farm Level
• Network
• Smart Data Center establishment
• Disaster Recover /DR
• Database etc.
30 August, 2023

15. Major Benefits of Digital Banking
• Business efficiency
• Cost savings
• Increased accuracy
• Improved competitiveness
• Greater agility
• Enhanced security
I. The Bank
II.
The
customer
III. The Economy
Financial Inclusion (Business Growth), Optimization of transaction costs,
Economic transparency and efficiency & Support to monitor & control financial
transaction .
OVERVIEW . .
30 August, 2023 15

16. Overview …
Key Challenges and Developments of Digitalization
30 August, 2023
16
Regulatory Pressure
Changing Customer
behaviour
New Market Entrants
IT Infrastructure
Negative interest
environment
Transformation of the
business model
Speed of change
The mobile
Competition

17. Traditional banking Vs Digital banking
OVERVIEW . .
30 August, 2023

18. CBE Digital Banking Initiatives
Digital Banking have six initiatives:
1. Expand CBE’s agent network;
2. Outsource ATM / POS network management;
3. Grow leadership in mobile money;
4. Automate in-branch activities;
5. Add additional functionalities to mobile-banking app
and online banking platform; and
6. Stand up a digital factory

19. 19
Online Banking
(IB & MB)
Agent Banking
(CBE Birr)
Card Banking
(ATM, POS)
DIGITAL
BANKING
CHANNEL
Digital Banking in CBE

20. Chapter two
CARD BANKING

21. CARD BANKING

22. WHAT IS CARD BANKING?
• Card banking is nothing but the act of paying expenditures through
payment cards.
CARD BANKING BUSINESS
CARD BANKING

23. CARD BANKING…
• Cards are plastics (Ethiopian case) used for financial and non
financial transactions. (There are metal cards in other
countries)
• A bank card is issued by a bank to its clients.
• It performs one or more of a number of services that relate
to giving the client access to funds, either from the client's
own bank account, or through a credit account.
Payment Cards

24. CARD BANKING . . .
Cards can be categorized :
 In terms of payment
 In terms of technology
Card Categories

25. Card Categories In Terms Of Payment
• Credit card – pay after:
The bank will grant a specific amount of credit for the customer to be paid
after the transaction.
• Debit Card – pay now:
The amount will be debited from the customer account at the time of
transaction.
• Prepaid card – pay before:
The amount should be deposited in advance.
CARD BANKING . . .
30 August, 2023
25

26. Types Of CBE Cards
Domestic Visa Debit Card
• White Label Classic Normal
• White Label Classic Women
• White Label Noor Classic
• White Label Noor Hilwa
• White Label Gold Domestic
• White Label Noor Gold
• White Label Platinum Domestic
• White Label Noor Platinum
• White Label Co-branded Platinum
26

27. International VISA Debit Card
a. Visa Classic Debit Cards
b. Visa Gold Debit Cards
c. Visa Platinum Debit Cards
d. Visa Infinite Debit Cards
CARD BANKING . .
30 August, 2023
27

28. CBE proprietary (Private Label) Cards
a. White Label Cards ( on Process)
b. Co-Branded prepaid Gift Cards
c. General Purpose Gift Cards (CBE Wallet & others)
International VISA Prepaid Cards
a. VISA Classic Prepaid Card
b. VISA Gold Prepaid Card
c. VISA Platinum Prepaid Card
CARD BANKING . .
30 August, 2023
28

29. Classic Cards International Cards
CARD BANKING
29
International
Visa
Cards
Domestic
Debit
Visa
Cards
30 August, 2023

30. All Classic Card (Domestic)
• Daily cash withdrawal @
ATM= 10,000
• Maximum daily fund
transfer=200,000
• Payment on POS at
Merchant sites =500,000
• Maximum daily cash
advance at Branches =
100,000
30 August, 2023
30

31. Gold Card (Domestic)
• Maximum daily payment /purchase @
POS - up to Birr700,000 (350,000) on
Draft level,
• Maximum daily POS cash advance at
Branches- up to Birr 150,000,
• Maximum daily ATM cash withdrawal-
up to Birr 15,000
• Maximum Daily ATM Fund Transfer up
to Birr 300,000 ? on Existing Procedure
• Issuance fee - 75
• Replacement fee - 50
CARD BANKING . .
30 August, 2023
31

32. Noor Gold Card (Domestic)
• Maximum daily payment /purchase @
POS - up to Birr 350,000,
• Maximum daily POS cash advance at
Branches- up to Birr 150,000,
• Maximum daily ATM cash withdrawal-
up to Birr 15,000
• Maximum Daily ATM Fund Transfer up
to Birr 300,000 ? on Existing Procedure
Issuance fee - 75
• Replacement fee - 50
CARD BANKING . .
30 August, 2023
32

33. Platinum Card (Domestic)
• Maximum daily payment /purchase @
POS - up to Birr 1,000,000/500,000 ? On
Draft level.
• Maximum daily cash advance at Branches-
up to Birr 200,000
• Maximum daily ATM cash withdrawal- up
to Birr 20,000
• Maximum daily ATM fund transfer- up to
Birr 400,000 ? on Existing Procedure
• Issuance fee - 100
• Replacement fee - 75
CARD BANKING . .
30 August, 2023
33

34. Noor Platinum (Domestic)
• Maximum daily payment /purchase @
POS - up to Birr 500,000
• Maximum daily cash advance at
Branches-up to Birr 200,000
• Maximum daily ATM cash withdrawal-
up to Birr 20,000
• Maximum daily ATM fund transfer- up
to Birr 400,000 ? on Existing Procedure
• Issuance fee - 100
• Replacement fee - 75
CARD BANKING . .
30 August, 2023
34

35. International Visa Classic Card
• Maximum daily cash withdrawal on
ATM up to USD 400
• Maximum daily fund transfer-Up to
card limit
• Cash Advance on POS up to USD 400
• POS payment for Purchase- Up to
card limit
• Debit Card
CARD BANKING . .
30 August, 2023
35

36. International visa Gold Card • Maximum daily cash withdrawal on
ATM up to USD 1,000
• Maximum daily fund transfer-Up to
card limit
• Cash Advance on POS up to USD 1,000
• POS payment for Purchase- Up to card
limit
• Debit Card
CARD BANKING . .
30 August, 2023
36

37. International Visa Platinum Card
• Maximum daily cash withdrawal on
ATM up to USD 1,500
• Maximum daily fund transfer-Up to
card limit
• Cash Advance on POS up to USD
1,500
• POS payment for Purchase- Up to
card limit
• Debit Card
CARD BANKING . .
30 August, 2023
37

38. International Visa Infinite Card
• No limit on ATM withdrawal;
• No limit on POS payment;
• Debit Card
• Special Approval from the
President
CARD BANKING . .
30 August, 2023
38

39. Wallet Card (Domestic)
• Maximum daily payment /purchase-
Birr up to balance on cards,
• Maximum daily cash advance at
Branches - Birr up to balance on
cards,
• Maximum daily cash withdrawal- Birr
up to balance on cards,
• 10,000, 5,000,2,000,1,000,500
• Prepaid Card
CARD BANKING . .
30 August, 2023
39

40. Shoa Sitota Card (Domestic)
• Maximum daily payment
/purchase- Birr up to balance on
cards,
• Non-applicable for Cash advance
(cash withdrawal ) at Branches
• Non-applicable for ATM financial
transactions,
• Face Value 5000,2000,1000,500
• Co-Branded Prepaid
CARD BANKING . .
30 August, 2023
40

41. Co-branded Platinum
(Domestic)
• Daily cash withdrawal limit Birr
20,000
• Daily POS payment limit-Birr
500,000
• Daily POS cash advance limit-
Birr 200,000
• Co-Branded Prepaid
CARD BANKING . .
30 August, 2023
41

42. Card Categories In Terms Of Technology
a. Magnetic Stripe
b. Smart/chip Card
c. Contactless card/NFC (Near Field Communication)
CARD BANKING . .
30 August, 2023
42

43. 1) Magnetic Stripe Card
• Sometimes called swipe card or magstripe
• This is made up of tiny-iron based magnetic particles in a plastic-
like film
• Motors moving the tape so it can be read on ATM or our hand
provides the motion as we swipe a credit card through a reader on
POS
• Magnetic card encryption is based on the DES/ Data Encryption
Standard
CARD BANKING . .
30 August, 2023
43

44. • There are three tracks on a magstripe card
CARD BANKING . .
30 August, 2023
44

45. Track 1 Data
• Contains alphabetic text, and hence is the only track that contains the card holder’s name
Track 2 Data
• Holds details for account number and expiration date
Track 3 Data
• This track includes an encrypted PIN, country code, currency units, amount authorized
CARD BANKING . .
30 August, 2023
45

46. EMV chip cards contain embedded microprocessors that
provide strong transaction security features and other
application capabilities not possible with traditional magnetic
stripe cards.
2) Smart/Chip Cards
30 August, 2023
CARD BANKING . .

47. 3) Contactless Cards
• Also known as ‘wave and pay’ or ‘Pay Pass’
• Its embedded integrated circuits that can store and process data;
communicate with a terminal via radio Waves.
CARD BANKING . .
30 August, 2023
47

48. 30 August, 2023
48
AUTOMATED TELLER MACHINE
(ATM)

49. What is ATM?
• An automated teller machine (ATM) is a computerized device that
provides the customers with access to financial transactions without
the help of the human clerk or bank teller.
• Using an ATM, customers can access their accounts in order to make
Cash withdrawals and other services.
• CBE is the pioneer in introducing ATM in the country.
• With our ATM card, you can bank 24 /7.
ATM
30 August, 2023
49

50. ATM Classification
Based on Dispensing mechanism products
• Friction
• Vacuum
Based on cash access (cash vault)
• Front Access
• Rear Access
Based on Brand
NCR, Diebold, Win core, Banquet (Bull)
ATM . .
30 August, 2023
50

51. SELF SERVICE ATM
LOBBY ATM TTW ATM
ATM . . .
30 August, 2023
51

52. FOREX ATM
• Has coin dispenser
• It has BNA (Bunch Note Acceptor)
• Accepts cash (Foreign like the US dollar, pound and euro)
ATM . .
30 August, 2023
52

53. Functions Of ATM
Financial services
• Cash withdrawal
• Cash deposit
• Fund transfer/Account to account transfer
• Currency exchange (if the ATM is Forex)
• Future ATM services
• Non-Financial services
• Pin change
• Balance inquiry
• Mini statement
ATM . .
30 August, 2023
53

54. 30 August, 2023
54
POINT OF SALE
(POS)

55. What is Point Of Sale (POS)
• Point of sale (POS) as an electronic payment channel
• It predominantly facilitates the purchase of goods and
services using a payment card.
• It is a non cash alternative that allows customers to
purchase goods and services through instant transfers
of funds from their accounts to merchants.
POS
30 August, 2023
55

56. Types Of POS Machines
Based On Communication Type
• GPRS POS – SIM based (most of CBE POS machines are
GPRS)
• Dial up POS- telecom line based (currently out of service)
• Ethernet POS- ADSL (Asymmetric Digital Subscriber Line
) or network cable based
• Wi-Fi POS- to be launched soon
30 August, 2023
56
POS . .

57. 8/30/2023
57
CHAPTER THREE
Online Banking

58. 8/30/2023
58
MOBILE BANKING

59. Mobile Banking
• Mobile banking refers to the provision of bank-related financial
services with the help of mobile telecommunication devices.
• payment services available on mobile payment
• Mobile payment is becoming prominent as it enables “anywhere
anytime banking”.
• Unlike the other electronic payment channels, Mobile banking does
not pose a limitation on customer
• The pace of mobile phone usage has an explosive growth.
Currently there are more than 45.5 million mobile subscribers.
• Any customer can request mobile banking service at any of CBE
branches
Mobile banking
8/30/2023
59

60. Mobile Banking
My account
Transfer to CBE Birr Wallet
Make Payment to Beneficiary
Payment to others
Local money transfer system
Manage beneficiary
Utility Payment
Buy Airtime
Standing orders
My service
Functionalities of CBE’s Mobile Banking Service..
 Cheque book request
 Cheque book status
 Cheque book detail
 Exchange rate
 Loan repayment schedule
 Future dated transfer
 Pay Your Flight
 ATM Locator
 Deposit Interest Rate

61. Mobile Banking
• Explains feature and benefits
• Makes the customer to fill and sign on forms
• Identifies and verifies the signature on the application form
• Registers or amend the customer record
• Scans the signed application form, attach on EDRMS system
• Checks and Authorizes the customer information
• Subscribes mobile channels on the system
• Produces/view activation code from the system and delivers
• Assists the customer on how to operate
Mobile Banking Service Selling

62. Mobile Banking
• The CBE provides mobile banking services through
• USSD (Unstructured Supplementary Service Data)
• XHTML (Extensible Hyper Text Mark-up Language)
• Smart Applications (downloadable channels)
Android Applications;
iPhone (IOS Application); and
Windows Mobile 7 & 8
The CBE provides mobile banking services
through

63. Mobile Banking
Mobile Banking Service Selling
Compatible with all mobile device types
High speed
Needs only Ethio-telecom network
Dial *889# to access the service
USSD Channel (Unstructured Supplementary Service Data)

64. Mobile Banking
Mobile Banking Service Selling
1. USSD MB- Services
• My Accounts
• Transfer to CBE Birr Wallet
• Make Payment to Beneficiary
• Payment to others
• More Options (LMTS, Manage Beneficiaries, Transfer to
your Account)

65. Mobile Banking
Mobile Banking Service Selling
2. SMART Application
• Works with android and IPhone smart phones.
• Needs internet connection
• Downloadable application
• Highly secure
• User friendly
• Low cost

66. Mobile Banking
Mobile Banking Service Selling
3. XHTML Channel
(Extensible Hyper Text Mark-up Language)
• Works with smart phones
• Needs internet connection
• Provides extra MB services

67. Mobile Banking
• CBE account holder;
• Customer with power of attorney entitlements
• Customer with impaired/no vision if and only if the
customer agreed to sign the undertaking letter/form in the
presence of witnesses.
Eligibility Criteria for Mobile Banking

68. Mobile Banking
Transaction limit on Mobile Banking
• The Maximum payment/fund transfer amount limit per
day shall not be more than birr 600,000 (Six hundred
thousand Birr)
• Maximum payment/fund transfer amount per
transaction shall not be more than Birr 300,000 (Three
Hundred Thousand Birr).

69. 8/30/2023
69
INTERNET BANKING

70. Internet Banking
• It is an electronic service provided by the Bank to allow customer to
perform transactions, payments etc. over the Internet - through a
bank’s secure website
• Internet banking is becoming the predominant banking for both
informational as well as transactional medium
Internet Banking
8/30/2023
70

71. Internet Banking
• Internet banking allows the growth and expansion of
ecommerce without geographic limitations through the
worldwide web
• For corporate customers, it offers a cash management
package which is crucial for fund management decisions
Internet Banking ..
8/30/2023
71

72. Internet Banking
• Banking services provided by CBE over the internet to customers
• Customers can access IB service through - PC, lap top and Other
intelligent devices
• IB service allows customers to perform: Transactions, Payments
and Informational services through the bank’s secured website
• Ethio-telecom data indicates: More than 23.8 million data and
internet users (2019/20).
Internet banking..
8/30/2023
72

73. Internet Banking
Types of Internet Banking
1. Personal Internet
Banking and
2. Corporate
Internet Banking

74. Internet Banking
• Account balances
• Account transaction details
• Create/View and Cancel
Standing orders
• Create/ view/delete
beneficiary (for payments)
• Local Money Transfers
• Messages sent to/ from
the bank
Personal Internet Banking
 supports the following functions to the customer
• Payment
• Setting
• Utility payment
• Cheque book request
• Cheque book status
• Loans
• Term Deposit
• Pay Your Flight

75. Internet Banking
• Accounts
• Asset and liability
• Bulk payments via file
upload
• International Payment
• Letter of Credit
• Local Money Transfer
• Manage user
• Messages sent to/ from
bank
• Setup /reverse Sweep a/c
Corporate Internet Banking
• Standing orders
• Transfer between own a/c
• Cheque book request
• Cheque book status
• Cheque book detail
• Loans
• Term Deposit
• Pay Your Flight
• ERCA Tax Payment
• ERCA Tax NBE Status

76. Internet Banking
• All CBE account holders are eligible to subscribe CBE
internet banking
• Personal Internet banking is provided to individual
customers; and
• Corporate Internet banking is provided for corporate
customers/customers who have more than one
signatories
Eligibility for CBE Internet Banking

77. Internet Banking
• Renewed Identification Cards or Passports
• Letter from corporate customer’s for internet banking service
request through their mandated body /officials stating
corporate user right as Administrator, inputter and
Authorizers with respect to their authorizing transaction limit.
Required documents for Internet Banking

78. Internet Banking
Corporate Internet Banking
• Maximum payment/fund transfer amount limit per
transaction and per day for corporate internet
banking shall be set as per the limit proposed by
corporate customer on its application.
CBE Internet Banking Transaction Ceiling

79. Chapter Four
Agency Banking

80. Agency Banking OVERVIEW
• The term Mobile money describes the services that allow mobile
phone is used to access financial services. (GSMA , Mobile
Money, July 2010 ).
• Mobile Money is a Fast, Simple, Convenient, Secure & Affordable
way of transferring money, making payments and doing other
transactions.
• Its a new mode of payment Instead of using traditional methods
like Cash, Cheque, Or Debit/Credit Cards.
What Does Mobile Money Mean ?

81. AGENCY BANKING OVERVIEW
• Increase Financial Service Accessibility With Low Cost
• Ability to offer Services in Areas that are not Economically
Viable
• Increased Customer Base, Mobilize Resources and Market
Share
• Decongesting Branches
• Contribute to the financial inclusion & Digital payment
strategy of the country
Significance Of CBE Birr Services

82. AGENCY BANKING OVERVIEW
P2P
P2B
P2G
Features and Functionalities of CBE Birr
G2P
G2B
G2G
B2P
B2B
B2G

83. AGENCY BANKING OVERVIEW
Non-financial services
• Balance enquiry
• Mini statement
• PIN/Password change
• Change language
• Change secrete word
• Manage beneficiary
• Generate and issuance of electronic mini bank statement
• Request for voucher (cash in and cash out voucher)
Features and Functionalities of CBE Birr..

84. AGENCY BANKING OVERVIEW
• NBE (Regulator)
• CBE (Service provider)
• Mobile Network Operator (ethio telecom)
• Organization (Agent and merchants)
• Customer
Parties Involved In CBE Birr Services

85. AGENCY BANKING OVERVIEW
• Delivery Channel
• USSD (Unstructured Supplementary Service Data)
• Web (only for agents)
• CBE Birr Application
• Notification Channels
• Email (only for Agents/WEB user Organization )
• SMS
Service Delivery And Notification Channels

86. CBE Birr Customer
Management

87. CBE BIRR – Customer Management
• The account shall be opened in the name of individuals
• Customers can open more than one account as long as they
have different cell phone numbers; and
• CBE-birr users will get 80% of the revenue earned from short
term investment of the electronic money float as a revenue
sharing based on their average deposit in a physical year.
CBE Birr Customer Account

88. CBE BIRR – Customer Management
• All Ethio-telecom SIM subscribers;
• All individual whose age is greater than or equal to
18-year-old; and
• An individual whose age is greater than or equal to
14 are eligible for level one CBE Birr service with the
required.
Eligible Criteria

89. CBE BIRR – Customer Management
• Keble ID cards;
• Farmer’s associations‘ ID cards;
• Employment and pension ID cards;
• School, College and University ID cards;
• Driver‘s/operator‘s licenses;
• Tax identification ID card;
• Passports or Ethiopian community ID;
• Work or residence permits; and
• Foreign-nationals-of-Ethiopian-origin ID card together
with a valid passport
Required Document for Identification

90. CBE BIRR – Customer Management
• Full name
• Photograph
• ID number
• Issue and expiry date and
• Issuer name and issuer’s stamp
Contents of Acceptable ID cards

91. CBE BIRR – Customer Management
CBE Classifies CBE Birr Customers based on the
level of KYC information found in the CBE Birr
System and trust level.
• Level Four Customer (CBE Staff)
• Level Two & Three Customer
• Level One Customer
• Level Zero Customer (walk in user)
Customer Level (Classification)

92. CBE BIRR – Customer Management
Level Four Customer
• The CBE staff who has been registered at CBE Branches
‒Staff full Name
‒Mother’s Name
‒CBE ID
‒Telephone Number
‒Date of Birth
‒A Photo of the user
‒Residential and/or Business Address
Customer Level (Classification)

93. CBE BIRR – Customer Management
Level Two & Three Customer
Customers’ who don’t have Saving or current account
shall fulfill the following KYC information:
‒Full Name; - Mother’s Name;
‒Date of Birth; - Residential&/Business address;
‒Telephone number; - A Photo of the user; and
‒ID of the user and all shall be captured in the system.
Customers who have saving or current account
• Can get Customer level three services of CBE-Birr.
• The KYC information maintained in the core Banking/T24
system using their Customer ID can serve for identification
• The Customer is not required to present an ID card or Photo.
Customer Level (Classification)

94. CBE BIRR – Customer Management
Level One Customer
Minimum KYC information required to complete
• Full Name
• Mother’s Name
• Date of Birth
• Residential Address
• Telephone Number
• Recent Photo of the user; and
• The user shall be introduced by another person who
already maintains an account with CBE Birr.
Customer Level (Classification)

95. CBE BIRR – Customer Management
Level Zero Customer (walk in user)
• It is a walk-in user who use a CBE Birr services (only
cash out) without having an account.
• The CBE-Birr system shall register walk in users as
level zero Customer to maintain data for cross
selling and up selling.
Customer Level (Classification)

96. CBE Birr
Agent Management

97. CBE Birr Agent Management
• The bank shall:
Name the trade name of Agent banking Business as CBE-
birr
Name Agents as CBE-birr Agents
Prepare a unique logo for CBE-birr
Use “ባሉበት ሁሉ አለ” as the motto of CBE-birr;
Brand the Agents’ premises using CBE-birr signage as
mandatory and Stickers, Painting and banners as
Agent Banking Trade Name and Branding

98. CBE Birr - Agent Management
• The bank shall use the one of or the mix of the following
Agent Network Management Models.
• Super-Agent Model
• Direct-Agent Model
Agent Network Management Models

99. CBE Birr - Agent Management
• The Agent are classified in four categories upon
opening of an Agent account based on service
delivering to Customer and the number of Agent’s
premises.
Super-Agent
Top Agent
Direct Agent
Sub Agent
Agent Classification

100. CBE Birr - Agent Management
Super-Agent
Super-Agent is an Agent classified as a level one
organization which;
Runs business at more than one outlet or Branch;
Handles any Agent Network Management services;
Is recruited through an Open Bid process;
Recruits and on-board potential Sub Agent as per banks
criteria
Able to maintain a minimum initial float balance Birr
300,000.00
Agent Classification

101. CBE Birr - Agent Management
Top Agent
• Top Agent is an Agent classified as a level one
organization which;
Runs business in more than one outlet or Branch
Handles any Agent Network Management
services;
Is recruited by Agency Banking Unit /CBE
Branches; and
Able to maintain a minimum initial float balance
Birr 10,000 per outlets
Agent Classification ..

102. CBE Birr - Agent Management
Direct Agent
• Direct Agent is an Agent classified as a level two
organization which;
Runs business in one outlet or Branch;
Handles any CBE Birr transaction services;
Is recruited, on-boarded and managed by CBE Branches;
Uses its best endeavors to register new Customers for the CBE
Birr Services;
The maximum number of Agent operator/Till should be three
(3) F. Able to maintain a minimum initial float balance Birr
10,000.00.
Agent Classification ..

103. CBE Birr - Agent Management
Sub Agent
It is an organization classified as a level 3 organization
which
Runs business in one outlet or Branch;
Handles any CBE Birr transaction services;
Is recruited and on-boarded by super-Agent
Is Managed by Super-Agent/CBE Branch
Uses its best endeavors to register new Customers for
the CBE Birr Services;
The maximum number of Agent operator/Till should be
three (3)
Able to maintain a minimum initial float balance Birr
10,000.00
Agent Classification ..

104. CBE Birr - Agent Management
E-Money Creation/Deposit
E-Money Withdrawal
Creation of Agents
Creation of Merchants
Creation of Customer
Open Customer E-Money a/c
Pay bill
CBE Birr SERVICES at CBE Branches
Business deposit
Business withdrawal
Business transfer
Cash deposit
Cash withdrawal
Salary payment;
Sell airtime
CBE-Birr Management
CBE Branches shall perform the following Agent Banking service:

105. CBE Birr - Agent Management
Super Agents shall perform the following Agency Banking
services
• E-Money Deposit
• E-Money Withdrawal
• Business deposit
• Business withdrawal
• Business transfer
• Float management for Sub Agents
• CBE-Birr user management for Sub Agents
• Creation of Sub-Agents
• Provide Technical supports for Sub Agents
CBE Birr SERVICES at Super-Agent

106. CBE Birr - Agent Management
Top Agents shall perform the following Agency
Banking services
• E-Money Deposit;
• E-Money Withdrawal;
• Business deposit;
• Business withdrawal;
• Business transfer;
• Float management for own Agents;
• CBE-Birr user management for own Agents; and
• Provide Technical support for own Agents.
CBE Birr SERVICES at Top Agent

107. CBE Birr - Agent Management
• E-Money Deposit
• E-Money Withdrawal
• Business deposit
• Business withdrawal
• Business transfer
• Cash deposit
• Salary payment
• Pay bill
• Sell airtime
CBE Birr SERVICES at Direct Agent
• Open Customer E-Money account
• Cash withdrawal for registered/
Unregistered Customer
• Perform Customer awareness
• Over the counter transaction
• Generate and issuance of electronic
mini bank statement
• Resetting/unlock Customers PIN
• Any other activity permitted by NBE
and the Bank
Direct Agent with one outlet or Branch is allowed to do the following activities.

108. CBE Birr - Agent Management
• E-Money Deposit
• E-Money Withdrawal
• Business deposit
• Business withdrawal
• Business transfer
• Cash deposit
• Pay bill
• Sell airtime
• Salary payment
CBE Birr SERVICES at Sub-Agent
• Cash withdrawal for registered/
Unregistered Customer
• Perform Customer awareness
• Over the counter transaction
• Open Customer e-money account
• Generate and issuance of electronic
mini bank statement
• Resetting/unlock Customers PIN
• Any other activity permitted by NBE

109. CBE Birr - Agent Management
• At least one year business experience;
• Have permanent business address, physical infrastructure and human
resources;
• Free of any illegal activities and able to provide police clearance
certificate;
• Deposit minimum required float balance; and
• Fulfill other detail requirements to be set in the RFP document (only for
super-Agent).
Eligible Entities to be an Agent

110. CBE Birr - Agent Management
I. Sole proprietorship
• Copy of renewed trade license
• Copy of tax identification number (TIN)
• Recent Pass port size photo of the Agent
• A valid and renewed ID card of the person authorized to
operate the account.
Required Documents

111. CBE Birr - Agent Management
ii. Partnership, financial institutions (Microfinance, Insurance),
Share Company etc..
• Copy of renewed trade license;
• Copy of tax identification number (TIN);
• Memorandum & Articles of Association;
• Resolution of the Board of Directors to open an account and
identification of those who have authority to operate the
account, if applicable; and
• Valid ID cards or passports of the signatories of the account
shall be presented. For foreigners; however, work permit or
residence permit shall be presented.
Required Documents..

112. CBE Birr - Agent Management
iii. Foreign Nationals But Ethiopian Origin In addition to the above required
document a forging business entity but Ethiopian origin require the
following documents for Agency Banking services.
• Yellow card;
• Free from mal operation and delinquent list;
• Registration certificate or investment certificate; and
• If the company has a parent company, power of attorney from the
parent company shall be presented.
Required Documents..

113. CBE Birr - Agent Management
• A foreign person or entity whose business origin is located outside the
Ethiopian boundary;
• Religious entity; and
• None profit making organs such as non-Government organizations whose
applicable law prohibits from engaging in profit making business shall not
be an Agent of CBE Birr.
Unacceptable Entity for Agent

114. CBE Birr - Agent Management
• The Bank shall ensure that Agents are providing better
customer service and handle customers in fair and
professional manner;
• The Bank shall classify Agents based on their trust level and
provide different level of permission regarding the Agent
Banking Service;
Authorized and Prohibited activities by Agents

115. CBE Birr - Agent Management
• The Bank shall generally permit the following Banking Services for
Agents:
• Opening of electronic money account or customer registration;
• Cash in and cash out services up to 8,000 birr per transaction;
• Cash disbursement of loan and repayment of loans in cash;
• Bill collection;
• Local money transfers up to 500 birr;
• Over the counter transactions up to 500 birr;
• Customer PIN reset and unlocking;
• Balance enquiries; and
• Generation and issuance of customer account statement.
Authorized activities by Agents..

116. CBE Birr - Agent Management
• The Bank shall generally prohibit the following activities for
Agents:
• Ask any charge from customers in addition to charges fixed by the
bank;
• Ask any personal information like account details and PIN number of
the customer, excluding KYC information;
• Undertaking a foreign exchange transaction; and
• Undertake Agent Banking Service out of the allowed premises by the
Bank.
Prohibited activities by Agents..

117. CBE Birr - Agent Management
• Undertake Agency business services beyond its designated
geographical location
• Undertake transactions in the absence of system or network
connectivity
• Deny issuance of receipt or advice to user
• Undertake transaction when issuance of receipt or advice is not
possible
• Charge or collect any fees from users directly
Prohibited Service by an CBE Birr Agent

118. CBE Birr - Agent Management
• Undertake cheque deposit and encashment of cheque
• Transaction in foreign currency
• Impose separate terms and condition apart from those
provided by the Bank
• Perform against or beyond the Agency contract
• Shall not ask any personal information including account
details and PIN number of Customers
• Undertake other activities that are prohibited by NBE
Prohibited Service by an CBE Birr Agent..

119. Thank you!