The document discusses expanding mobile money markets through mobile phone banking services. It outlines various "Text-A" services that allow transactions without leaving businesses, including remittances, deposits, withdrawals, payments, and bills payments. It analyzes potential customer segments in rural and underbanked areas and the mobile banking products and benefits relevant for each segment. These include affordable money transfers, bill payments, basic banking services, payroll solutions, and loans. The document also discusses SMS alert services and plans to support financial education and incentive programs to promote active mobile banking usage.

1. http://www.mobilephonebanking.rbap.org Expanding Mobile Money Market September 13, 2011 RBAP Conference Room RBAP Building Intramuros, Manila

2. Mobile Phone Banking Services Text-A-Remittance (Cash-in/ Cash-out) Text-A-Withdrawal (debit system) Text-A-Payment (loan collection) Text-A-Deposit Text-A-Sweldo Text-A-Credit Text-A-Bills Payment System Automation

3. Transactions clients can do without leaving their businesses “ Text-A-Payment” Loan Collection “ Text-A-Deposit” (Deposit Taking Service) Bills Payment -------------------- Money Transfer (Remittance) “ Text-a-Withdrawal” ----------------------------- “ Text-A-Credit” Savings Withdrawal Loan Disbursement Pay Bills Deposit Money Loan Payment

4. Payroll Services “ Text-a-Sweldo” Payroll Offer Payroll services to staff and and business clients WIRE

5. Text-A-Withdrawal Text-A-Payment Text-A-Deposit Facilitating Mobile Commerce for Micro and Small Businesses Text-A-Credit

6. Expanding Mobile Money Market Product Matrix

10. MYCLICK ’S SMS SOLUTIONS Customer Relationship Management (CRM) for Rural Banks using SMS

15. Thank You 