The document outlines updates from the mobile banking sector shared during the RBAP-MABS conference in November 2011, highlighting the growth in mobile banking adoption among rural banks in the Philippines, including over 297,000 clients and significant transaction volumes. It discusses training sessions for accreditation in mobile banking and the successful completion of a channel management program that helps banks expand capabilities through agent partnerships. Furthermore, it emphasizes the importance of financial education initiatives aimed at enhancing understanding and usage of mobile banking services among clients.

1. Mobile Banking Updates
Anthony Petalcorin
RBAP‐MABS
2011 RBAP‐MABS Regional Roundtable Conference
HyaA Hotel & Casino, Manila
November 9, 2011

2. Mobile Phone Banking
Accredited Rural Banks
 73 accredited
Rural Banks
 1,119 branches & other
banking offices
 Nationwide coverage

3. Updates: Outreach
• RBs registered over 297,000 clients & CCT recipients
• Over PhP12 Billion ($260 million) in mobile phone banking
transactions via mobile money

4. Updates: Accreditation Training
• GCash Accreditation Training
• August 25, 2011 @ RBAP Boardroom, Luzon
• September 9. 2011 @ Diamond Suite, Cebu
• October 28, 2011 @ Montevista Villa, Mimosa Clark
• 1st Regional Smart Money Accreditation Training
• October 5, 2011 @ Naomi’s Botanical Garden, Ozamiz
SESSION 6

5. Updates: Channel Management Program
• 5 banks completed the 6-month pilot phase
• Lessons Learnt and achievements:
• Develop merchant-clients into an “Cash In/Cash Out agent”
• Expands geographic coverage without building infrastructure
• CICO agents decongest branch lobby
• CICO agents refer new customer segments to the bank
• Next Steps: rollout to interested mobile phone banking accredited
rural banks
SESSION 6

6. Determine MPB “Use Cases”
• Kapitbahay Banking “village banking”
• Make loan payments
• Pay employees’ salaries
• Pay utility bills via mobile phone
• Pay suppliers via GCASH
(not checks or cash)
• Send money to relatives
(remittance services)
• Provide info for a fee (balance
inquiry)

7. Updates: Financial Education
• RBAP-MABS started working on the Financial Education Program.
An effective FE Program can:
• Promote the benefits of shifting from traditional banking to
mobile phone banking faster;
• Address the misconceptions that hinder MPB uptake and
usage
• Be anchored on merchants, CICOs, resellers to teach clients
and recruit potential clients.
SESSION 6

8. Updates: Financial Education
• Develop financial education toolkit
• Select and train pilot banks (3 MPB accredited rural bank)
• Test FE Toolkit with bank staff, clients and merchants
• Conduct focus group discussions for staff and clients
• Revise FE Toolkit
Sample FE Toolkit
For Savings
SESSION 6

9. Updates: Smart Money Rollout
First Rural Bankers Smart
Money Accreditation
Workshop in Ozamiz City

10. Updates: RBAP FaceCard IniLaLve