This document proposes a partnership between post offices and financial institutions to promote financial inclusion through innovative technology solutions. It aims to address challenges like serving the unbanked and providing access to basic banking services regardless of financial status. The proposed approach creates a single cashless platform spanning multiple payment channels like mobile banking, cards, biometrics and POS terminals. This would allow transactions anywhere at any time and offer valuable services like payments, transfers, insurance, loans and bill payments. A partnership model in Ivory Coast is highlighted and the importance of emerging technologies in bridging the financial inclusion gap and alleviating poverty is emphasized.

1. 1
INNOVATION FOR
FINANCIAL INCLUSION !
SYNERGETIC PARTNERSHIP
WITH POST-OFFICES

2. CHALLENGES TO BE ADDRESSED!
 Time to Re-Building the foundation for a
bank that truly served everybody
including the citizens not served by
financial institutions and regardless their
financial status!
 Tackle Financial exclusion
 Close the `financial gap` between Banking system and clients at the
bottom of the pyramid (BOP)
 Capture the “under-serviced” and unbanked segment of informal
market which represent 80% of the economy

3. Virtual account & cashless financial platform:
 Creating single cashless financial platform spanning multiple payment
channels and authentication mechanisms, enabling payment
transactions process with Speed, Affordability and High level of Security.
Mobile banking & High Value Added Services (VAS):
 Going beyond money transfer scheme by offering a complete mobile
banking system with high VAS : savings accounts; money transfer, micro-
insurance, retail payment, utility bills payment, micro-credits, etc.
Our Basic approach
& Solutions

4. Convenience! You can transact Anywhere at Anytime!
Every channel represents a “PAYMENT INSTRUMENT”:
“Load, Transfer, Pay, Give or Retrieve Cash from”
Your PHONE! Your FINGER! Your CARD! Your VOICE!
Multiple Payment channels & Authentication mechanism
Technology & Payment instruments

5. Payment instruments
Mcard Payment
•NFC
•Magstripe
•Chip
•Biometric
Point of Sales
- NFC
- Fingerprint Biometrics
- Card magnetic stripe & smartcard
Tablets &
Smartphones
- NFC
- Fingerprint Biometrics

6. PARTNERSHIP MODEL: IVORY-COAST

7. VALUE-ADDED SERVICES
MobiWatt® Electricity Bills payment
MicroCash® Micro Lending, Credit, loans
MobiRemit® Domestic & International remitance
MobiBills® TV, Bills payment
MobiRisk® Mylife, Insurance coverage & Premium payment
MobiSend® Transfer & Receive money
MobiPayroll® Bulk payment salaries, grants, benefits
MobiAir® Airtime Top up
MobiPay® Merchand Payment
MobiTicket® Pay your public transport, stadiums ticketing
MobiKids® Educate & control your kids spendings
MobiStores ® Ecommercce
MobiLotto® Lottery & betting
MobiGift® Electronic gifts
MobiTax® Tax Collection System
MobiCoupon ® Vouchers % Loyalty programs
MobiGrant® Government, social grants

8. 8
Let us capitalize on these emerging technologies and standards and work
to promote and support their implementation.
In doing so, we will surely be laying a solid foundation for poverty
alleviation upon which the financial inclusion will be bridged!
Moving from Rhetoric to Reality
through Cooperation!