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Santanu Sengupta


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Presentation given by Santanu Sengupta, Board Member, African Centre for Mobile Financial Inclusion on August 1st, 2011 at eWorld Forum ( in the session Telecentres: Effective Approaches and Best Practices

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Santanu Sengupta

  1. 1. Mobile Telecentre for Financial Inclusion E WORLD FORUM 2011 THE ASHOKA HOTEL NEW DELHI 1-3 August Santanu Sengupta Director, Corporate Affairs and Finance ACMFI African Centre Mobile Financial Inclusion
  2. 2. Introduction to ACMFI Mobile Telecentre for Financial Inclusion
  3. 3. Telecentre Growth: Doing good to Structured Resource GENESIS
  4. 4. WHY TELECENTRE : Then <ul><li>ICT Pathways in bridging digital divide started off well when internet created a platform to be with the other in a flash. </li></ul><ul><li>It started with the big businesses , then middle and smaller entities started the magic usage of e mail as it started replacing faxes and courier letters in transaction saving time </li></ul><ul><li>Regulatory changes were made amenable to give it the legal sanctity, gradually before the Millennium bug hit us. </li></ul>
  5. 5. Telecentre Prognosis : Now <ul><li>ITU Chief Hamadoun Touré: &quot;broadband technology will dominate this decade“ </li></ul><ul><li>&quot;ICT and broadband are the decisive factors for the development of all industries, and encouraging private companies to develop infrastructure helps create profits and jobs, which will help nations around the world to meet the Millennium Development Goals,&quot; he said. </li></ul><ul><li>Monday 20 September,2010 </li></ul><ul><li>Broadband is a basic human right, ITU tells UN – </li></ul><ul><li>Access to high-speed broadband should be a basic human right, the International Telecommunications Union told world leaders at the UN's Millennium development goals conference in New York on Sunday. </li></ul>
  7. 7. Action Points to structured Telecentre Growth <ul><li>Connecting broadband with the Millennium Development Goals and knowledge societies </li></ul><ul><li>Benefitting from transformational change </li></ul><ul><li>Using transparent, fair, competitive, technology-neutral models </li></ul><ul><li>Enabling content and applications creation </li></ul><ul><li>Employing broadband to help combat climate change </li></ul><ul><li>Accelerating broadband access for women and girls </li></ul><ul><li>Supporting wider broadband inclusion for all </li></ul><ul><li>Broadband modelling, evaluation and monitoring </li></ul><ul><li>Building a global partnership for broadband development </li></ul><ul><li>10. Next steps for broadband partnerships and projects” </li></ul>
  8. 8. Action Challenge : From doing good to Structured Development <ul><li>Mobile penetration have already triggered the first transformational change </li></ul><ul><li>From voice calls to SMS to more datacentric usage is happening everywhere depending on other ICT enabling factors. </li></ul><ul><li>Embedded technology with Mobile based data Services is on the rise wherever the teledensity is high </li></ul><ul><li>From voluntary sectors more useful ways are happening as poorer people also realise value for time. </li></ul>
  9. 9. Early Trends
  11. 11. The Corresponding ICT Growth
  12. 12. Broadband 2 GDP
  13. 13. Lowering Access Charges
  15. 15. The Growth Dimension
  16. 16. Broadband Journey <ul><li>The Enablers </li></ul>
  17. 17. The Enablers <ul><li>FOUR PILLARS OF BROADBAND UPSURGE </li></ul><ul><li>INNOVATION & APPLICATION </li></ul><ul><li>ACCESS PRICE </li></ul><ul><li>CONTENT & LOCALISATION </li></ul><ul><li>INCREASING BANDWIDTH </li></ul><ul><li>IT ALL HAPPENED DUE TO STRUCTURED </li></ul><ul><li>FINANCING </li></ul>
  18. 18. Various National Initiatives
  19. 19. Applications Impact
  20. 20. Content : Localisation
  21. 21. Impact Perspective
  22. 22. Plethora of Initiatives National Unique Identity Scheme : The Biggest Data Handling Initiative in the World : 1,180,000,000 Dynamic Data <ul><li>Parallel National Developmental Initiatives : </li></ul><ul><li>Rural Roads </li></ul><ul><li>Rural Health Mission </li></ul><ul><li>National Employment Gurantee Scheme </li></ul><ul><li>National E Governance Plan : 3 flagship Programmes </li></ul><ul><li>Common Services Centres : 100000 ( 250,000 ) </li></ul><ul><li>State Wide Area Network : 26 states + Union </li></ul><ul><li>Territories </li></ul><ul><li>State Data Centre & now National Broadband </li></ul><ul><li>Plan </li></ul>
  23. 23. Broadband Architecture A. SCA State HQ B. District Office C: Sub Divisional Office D :Block Level Office E : Telecentre a t TEIR 5 Router Data Center 2 Mbps LL nX64/2 Mbps LL nX64/2 Mbps LL Internet Bandwidth Dial Up Connectivity/Vi Sat Wimax /3g NOW BROADBAND Instead of earlier 3 layer it is now a 6 layer architecture at Village level
  24. 24. Broadband as a Catalyst <ul><li>Education Health , Governmen services, Financial Services </li></ul><ul><li>ONE STOP ICT CSCs 1 00000 originally , now 250 000 in all out of 600000 villages , providing G2P , G2C, B2C & C2C services </li></ul><ul><li>Will now act as BANK ‘S ARM as BC </li></ul><ul><li>Manages SBA, of Comm 1 stores Service Provider Accounts </li></ul><ul><li>Provides Internet Payment Gateway </li></ul><ul><li>Manages Cash </li></ul>BANK <ul><li>Manages Comm 1 Network </li></ul><ul><li>Provides Portal Services </li></ul><ul><li>Makes Payment to Service Providers </li></ul>Study & Jobs Worldwide Service Provider BANK
  25. 25. Broadband Enmeshed Network <ul><li>Will use Mobile Communication with embedded Frames </li></ul><ul><li>WILL ALSO WORK ON Capacity Bulding </li></ul><ul><li>& augmenting resources locally for training , survey , colletion of data & Finanacial Literacy programme </li></ul><ul><li>WILL BE ON Back Bone Core with Back up VSAT & 3G </li></ul>BANK <ul><li>Manages Comm 1 Network </li></ul><ul><li>Provides Portal Services </li></ul><ul><li>Makes Payment to Service Providers </li></ul>Study & Jobs Worldwide Service Providers BANK
  26. 26. National Rural Employment Gauranteed Scheme BANK Study & Jobs Worldwide Service Providers GOVT Apply for Registration in CI Apply for Services Record Daily Services provided Verification and approval of registration by CI Issue ID Card Provide the Services through On &Off line Collect Service Requisition & Process Send it to CI for Supply the services Calculate Monthly Commission Make Payment through Online Banking against the Services If Any Due After Adjustment, Pay Rest Amount To DBA/ZBA/BBA/SBA Register Grievance Acknowledge Addressed by Competent Authority Telecentre Agent BBA/ ZBA/ DBA
  27. 27. Service Deployment BANK Study & Jobs Worldwide Service provider Govt. service –health, education, transport Services Top Down Bottom up Education , Small Businesses, Bill pay Land records Insurance Service Provider/ Government/service provider Villager/Kiosk/NGO/CSC & field level ENTRPRENEUR Bill payments, E-commerce
  28. 28. BROADBAND LIFELINE <ul><li>Education </li></ul><ul><li>Massive Program to augment School education </li></ul><ul><li>to be driven centrally through Broadband usage </li></ul><ul><li>270,000 secondary & Higher secondary schools to be brought under this. </li></ul><ul><li>Total outlay by MHRD is about Rs 4700 Crore where the monetary provisons are there to interconnect where Govt pays </li></ul><ul><li>Services </li></ul><ul><li>Huge Combined efforts of </li></ul><ul><li>E Gov services & allied change management effects , total combined outlay of in USD 10 BN </li></ul><ul><li>SWAN : 26 states up to GP </li></ul><ul><li>SDCs : Each state as repository </li></ul><ul><li>CSCs : Ist phase 100000 15000 more </li></ul><ul><li>NBN : to lay Optical Fibre with a combination of 3G,Wimax, LTE with an additional capacity of USD 6.5 BN </li></ul>
  29. 29. SBA TRANSPORTATION TRANSPORTATION TRAINERS TRAINERS Warehouses Schools Schools Warehouses Mobile Carrier Agents Mobile Carrier Agents Communication Communication Communication Communication Communication Communication Communication Communication The Telecentre Eco System TELECENTRES Mobile Carrier Agents Mobile Carrier Agents Mobile Carrier Agents Mobile Carrier Agents Mobile Carrier Agents Mobile Carrier Agents
  30. 30. <ul><li>The need to accelerate mobile financial inclusion is critical. Africa does not have a single resource that promotes research, educates Africans on best practices, sound policies, encourages innovation and creates synergy among various players. </li></ul><ul><li>Access to resources is the impetus for economical mobility and social well being </li></ul><ul><li>Strong need to drive financial inclusion as a basic human need that put ordinary Africans on the pathway to social and economic empowerment </li></ul><ul><li>In the post financial crash Financial Inclusion has become the buzz word for governments, corporate, citizens, activists and regulators - GLOBALLY </li></ul>ACMFI – The Context
  31. 31. <ul><li>Mpesa, Zap, Fundamo, Wizzit in Africa, and Smart , Globe ,Wing in Asia have shown the way it has moved in including Mobile remittance, and how it can play significant role in saving time and money into precious capital formation </li></ul><ul><li>ACMFI was launched on May 2010 & has been busy in getting the right programme environment & need analysis as to what would be the cornerstone of its pioneering activity </li></ul><ul><li>ACMFI ‘s Vision is to enable and empower a mobile banking ecosystem based on the principle of cashless and branchless system that is affordable and inclusive for all. ACMFI will strive to facilitate the adoption of policies, technologies, innovation and research to enhance financial inclusion. </li></ul>ACMFI VISION
  32. 32. <ul><li>ACMFI aims to: </li></ul><ul><li>Promote an all inclusive mobile financial systems and accelerate the adoption of the same to serve the masses and bridge the disconnection between the Banked and unbanked, in urban and rural African communities </li></ul><ul><li>Assist Regulators , solution providers, financial Institutions, micro finance organizations, International development agencies and all stake holders to understand the needs of Africans in the emerging sector. </li></ul><ul><li>Champion a private sector led fund under PPT MODEL to infuse the needed capital to enable easier entry into the African markets. Establish the first Library service that is dedicated to Mobile financial inclusion with contents and materials from all over the world. </li></ul>ACMFI MISSION
  33. 33. <ul><li>ACMFI will precisely look into getting all the stake holders for carrying forward to bridge the gap by leveraging the mobile base for financial inclusion & empowerment including: </li></ul><ul><ul><li>providing advice on policy and initiatives for the various intersections of stakeholder involved </li></ul></ul><ul><ul><li>access to credit on a timely and at an affordable rate to the excluded category </li></ul></ul><ul><ul><li>savings and access to finance to serve the needs of those challenged the most </li></ul></ul><ul><ul><li>Access will be driven by leveraging high end secure technology and networks to support access and the money in transit </li></ul></ul>ACMFI STRATEGY
  34. 34. <ul><li>ACMFI Will therefore use : </li></ul><ul><li>Financial Literacy programme , Research, Surveys. Promoter Case Studies, Trainings. Industry standards promotion and membership association, End user customer education and protection </li></ul><ul><li>Planning and Advisory Services : Programme implementation guide and assistance ,with government, private, programme under PPT Model for all the programme as above </li></ul><ul><li>Structure and establish collaborative partnerships to support its Mission, Strategy, Tactics, Initiatives. </li></ul><ul><li>A current and immediate initiative is to establish a Hub in Kenya and points of presence in other parts of Eastern Africa leading to the goal of a Pan African Presence. </li></ul>ACMFI TACTICS
  35. 35. Questions & Answers
  36. 36. <ul><li>THANK YOU </li></ul>