The volume of data processed in 2014 was approximately 6 zettabytes, which is equivalent to 6,000,000,000,000,000,000,000 bytes. While Al Rajhi Bank is the largest Islamic bank by assets at $82 billion, it is dwarfed by the world's largest bank, Industrial and Commercial Bank of China, which has $3.6 trillion in assets. There is significant opportunity for growth of Islamic banks in emerging markets where banking penetration is low but mobile penetration is high, such as Bangladesh, Indonesia, and Pakistan. Mobile financial services can help Islamic banks stay competitive by providing convenient access to banking services.

2. DID YOU KNOW?
The volume of data processed in 2014 was approximately 6 zettabytes*.
6 zettabytes? :
6,000,000,000,000,000,000,000 bytes.
*Source: IDC
How much data is that?

3. 3.2b Online Users
44% of world population*
Mobile Subscriptions
96% of world population*
47b
E-Commerce & Mobile
transactions & payments
2011-2015**
4.9bConnected things
Up 30% vs 2014***
25bby 2020
Source: *International Telecommunications Union **Capegemini ***Gartner Inc.

4. LARGEST ISLAMIC BANK
BY ASSET
in assets
INDUSTRIAL & COMMERCIAL
BANK OF CHINA (ICBC)
USD3.6 TRILLION
AL RAJHI BANK
USD82b
in assets
WORLD’S LARGEST BANK
BY ASSET
90,000CONVENTIONAL
BANK BRANCHES
We’re dwarfed by comparison…

5. SO HOW CAN ISLAMIC BANKS STAY COMPETITIVE? :

6. Stats don’t lie. The opportunity is evident.
BANGLADESH
Banking penetration: 31%
Mobile penetration:
68%
INDONESIA
Banking penetration: <30%
Mobile penetration:
99%
PAKISTAN
Banking penetration: 13%
Mobile penetration:
70%
+ many more emerging markets with
majority Muslim population are
showing the same trends…

7. Deposit, withdraw, transfer money and pay for goods and
services with a mobile device.
Singlehandedly gave 20million Kenyans access to financial
services (out of 44 million total population)
KENYA
Instrumental in bringing Kenya to 75% in banking
population, highest in Africa, ahead of economic
giants South Africa, Nigeria, Ghana.
PAKISTAN
Setup a bank account in just 3 minutes from a mobile
phone. Enables users to visit any Easypaisa shops to
deposit and withdraw cash.
Users can also pay bills, transfer money,
check balance, manage pin codes and
more.
6 million accounts to date, making
Easypaisa Pakistan’s 3rd largest bank.

8. …and why shouldn’t we innovate? We were once synonymous with it!
SURGERY UNIVERSITIES LENSES & OPTICS ALGEBRACOFFEE
At we’re doing our bit…
HOSPITALS

9. “Malaysia’s Best Internet Bank 2015”
Global Banking & Finance Review

10. Peer-to-peer mobile money transfer
Send to mobile phone numbers, not bank accounts
Select from address book, key in amount, generates code
3 ways for recipients to collect:
- withdraw from HLISB/HLB ATM, no cards needed
- transfer online, directly to their own bank accounts
- to a fellow PEx user, it goes straight into recipient’s acc.
Send reminders requesting for a PEx transfer
PAYMENT
EXPRESS

11. Customer opts to pay retail/food bill with PEx+
MERCHANT
PAYMENT
Merchant enters bill amount on their mobile device
A QR code is generated for the customer to scan
Bill amount is transferred from customers’ account into
the merchant’s account instantly.

13. many more
but my time’s up…+
Other notable functions & services…