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Branchless Banking
“Mobile Banking”
An overview and comparison with Regional Economy

Shoaib Lalani
11541
An overview of Branchless Banking
• What is Branchless Banking?
• Pioneer of Branchless Banking
• Products of Branchless B...
Era of Mobile Banking
• “Mobile banking a game changer” – says Governor SBP
• What is Mobile Banking?
• History of Mobile ...
Advantages of Mobile Banking
• open up to 24 hours a day, depends on the agents
• very small fees for the agents
• may wit...
Participant of Mobile Banking
• Mobile Network Carrier
• Bank
• Agents
• Individuals
Presented By: Shoaib Lalani
How it Works?
BANK
Network
Agent
Sender
Presented By: Shoaib Lalani

Network
Agent
Receiver
Services?
Major Players in Pakistan
• EasyPaisa – Telenor – Tameer Microfinance bank
• UBL Omni
• Mobi cash – Mobilink – Waseela Mic...
Role of State Bank of Pakistan

• Strict rules and regulation
• Formulate guidelines
• State bank perspective
Presented By...
Highlights of Mobile Banking

Presented By: Shoaib Lalani

Source: State Bank of Pakistan
Highlights of Mobile Banking

Presented By: Shoaib Lalani

Source: State Bank of Pakistan
Highlights of Mobile Banking

Presented By: Shoaib Lalani

Source: State Bank of Pakistan
Highlights of Mobile Banking
Service

Value

Source

Zong – Timepey

PKR 44million worth of
Transaction in 2012

The news ...
Hindrance in Mobile Banking

• Non availability of 3G and LTE technology
• Infrastructure.
• Security issue.
Presented By:...
Future Outlook of Mobile Banking in Pakistan
• Annual growth of 35% predicted by BCG.
• 12% have access to financial servi...
Regional Peers
• M-pesa - India – Vodafone
• Banglalink and Citycell - Bangladesh

• Ghar Angan Banking Sewa - Katmandu – ...
Regional Comparison - Bangladesh
Pakistan

Bangladesh

Transaction value

$879 mn

$1,030 mn

Transaction volume

34.3 mn
...
Regional Comparison - India

• Government perspective
• 3.14% service fee
• Reserve Bank of India’s role
Presented By: Sho...
Thank You!!!!
Presented By: Shoaib Lalani
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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.

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Branchless Banking in Pakistan

  1. 1. Branchless Banking “Mobile Banking” An overview and comparison with Regional Economy Shoaib Lalani 11541
  2. 2. An overview of Branchless Banking • What is Branchless Banking? • Pioneer of Branchless Banking • Products of Branchless Banking Presented By: Shoaib Lalani
  3. 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. 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. 5. Participant of Mobile Banking • Mobile Network Carrier • Bank • Agents • Individuals Presented By: Shoaib Lalani
  6. 6. How it Works? BANK Network Agent Sender Presented By: Shoaib Lalani Network Agent Receiver
  7. 7. Services?
  8. 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. 9. Role of State Bank of Pakistan • Strict rules and regulation • Formulate guidelines • State bank perspective Presented By: Shoaib Lalani
  10. 10. Highlights of Mobile Banking Presented By: Shoaib Lalani Source: State Bank of Pakistan
  11. 11. Highlights of Mobile Banking Presented By: Shoaib Lalani Source: State Bank of Pakistan
  12. 12. Highlights of Mobile Banking Presented By: Shoaib Lalani Source: State Bank of Pakistan
  13. 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. 14. Hindrance in Mobile Banking • Non availability of 3G and LTE technology • Infrastructure. • Security issue. Presented By: Shoaib Lalani
  15. 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. 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. 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. 18. Regional Comparison - India • Government perspective • 3.14% service fee • Reserve Bank of India’s role Presented By: Shoaib Lalani
  19. 19. Thank You!!!! Presented By: Shoaib Lalani

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