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NETHOPE MEMBERS LUNCH MEETING INDONESIA
Mobile Financial Services Update
Jakarta, December 2013
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Agenda
2
Agenda Item Timing Presenter
1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 – 11:20 Shelley
2. Case Study: Agri-‐Fin Mobile by MercyCorps 11:20 – 12:00 Andi Ikhwan
3. Overview of e-‐MITRA and Branchless Banking Pilots 12:00 – 12:30 Eky & Hilman
4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:30 – 12:50 Dianne
5. Close 12:50 – 13:00 Shelley
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Agenda
3
Agenda Item Timing Presenter
1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 – 11:20 Shelley
2. Case Study: Agri-‐Fin Mobile by MercyCorps 11:20 – 12:00 Andi Ikhwan
3. Overview of e-‐MITRA and Branchless Banking Pilots 12:00 – 12:30 Eky & Hilman
4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:30 – 12:50 Dianne
5. Close 12:50 – 13:00 Shelley
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OVERVIEW OF NETHOPE
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NetHope Members
5
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Examples of Successful Electronic Payments Implementation
6
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e-‐MITRA Team
Washington, DC
Jakarta, Indonesia
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MOBILE FINANCIAL SERVICES
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208 mobile money deployments & growing worldwide
9 Source: hCp://www.mobileworldlive.com/mobile-‐money-‐tracker
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Electronic Payment Examples Around the World
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Benefits of Mobile Financial Services
11
Ability to scale • Pathfinder was able to process payments for over 200 meeNngs in 3 months
• Enable operaNons to be centralized at Headquarters with less staff requirements in the field
Less physical cash management
• No need to arrange transportaNon
• Less security risks to staff and recipients
Increased transparency and traceability
• Decrease opportuniNes for fraud • Improve ability to track funds in real Nme
Cost reducHon • CRS reduced transacNon costs for vouchers from $5.00 to $0.60
• Plan Uganda reduced training costs by 77%
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• Saved US $4.40/voucher • Went from 3 staff to 0 staff on site
• Reduced costs by 90% per training
• Long term savings of US $1.10/voucher • 2X faster payment delivery
• Travel distance for payment reduced from 4 km to .9 km on average
• Long term savings of 31%/transaction
NetHope members leading adopHon of electronic payments – and realizing value
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Cash scoping survey
Service provider due diligence questions
Research on best practices, technology and risk management
Costing Utility Tool
Standard 0perating procedures guidance
NetHope Resources – Available Tools and Resources
Resources on the NetHope SoluNons Center Website: h^p://cloudportal.nethope.org/programs/payment-‐innovaHon
Email us at: [email protected]
NetHope Resources – Available Tools and Resources
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Agenda
14
Agenda Item Timing Presenter
1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 – 11:20 Shelley
2. Case Study: Agri-‐Fin Mobile by MercyCorps 11:20 – 12:00 Andi Ikhwan
3. Overview of e-‐MITRA and Branchless Banking Pilots 12:00 – 12:30 Eky & Hilman
4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:30 – 12:50 Dianne
5. Close 12:50 – 13:00 Shelley
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CASE STUDY: AGRI-‐FIN MOBILE BY MERCYCORPS
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Agenda
16
Agenda Item Timing Presenter
1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 – 11:20 Shelley
2. Case Study: Agri-‐Fin Mobile by MercyCorps 11:20 – 12:00 Andi Ikhwan
3. Overview of e-‐MITRA and Branchless Banking Pilots 12:00 – 12:30 Eky & Hilman
4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:30 – 12:50 Dianne
5. Close 12:50 – 13:00 Shelley
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OVERVIEW OF e-‐MITRA
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e-‐MITRA – Background
18
Alliance for Financial Inclusion Indonesia: CreaNng a naNonal financial inclusion strategy with the Maya DeclaraNon
G-‐20 G20 commit to raise financial inclusion to the highest level in their naNonal agendas and support the design of effecNve policies, through the creaNon of a high-‐level coordinaNon pla_orm.
World Bank Survey § Only 50 – 60 million Indonesians have a bank account. § One-‐third of Indonesians does not save at all in the formal banking structure and can be considered truly financially excluded.
§ 32.5 million Indonesians live below the naNonal poverty line
USAID USAID views mobile money as a valuable tool for extending financial services to unbanked and under-‐banked segments of the Indonesian market and achieving broader financial inclusion objecNves.
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e-‐MITRA – IntroducHon
19
About e-‐MITRA • a USAID funded program aiming to support further development of a robust Mobile Financial Services (MFS) ecosystem in Indonesia.
Mobile Telephone Subscribers versus Bank Accounts in Indonesia
Implementation Partner
Banks and MNOs
ESC
Strategy
Governance Model
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e-‐MITRA – Core Offerings
Technical Assistance
Partnership brokering will help to broker, create and facilitate demand and supply side partnerships by encouraging cross sector alliances that match MFS providers with payment sources.
Advisory services advisory services will be provided to the MFS sector stakeholders that are seen as crucial drivers of deployments (ConsultaNon support, Review/Audit, etc.).
Research
Market Awareness
Consumer Demand to understand the financial needs and consumer usage of MFS amongst the poor and unbanked.
Business Cases to understand what works and what doesn’t -‐ from the perspecNve of the poor and unbanked -‐ with regard to MFS implementaNon / development.
Payment Streams To idenNfy payment streams that occur on a fairly regular basis and produce a large volume of transacNons.
Workshop to raise awareness of MFS to a mass audience on a number of key topics such sehng up an MFS ecosystem, agent network development, best pracNces, etc.
Advocacy parNcularly to keep BI updated and connected with private sector progress in the MFS sector.
Knowledge Sharing to keep the market abreast with the latest in the MFS space within Indonesia and globally.
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e-‐MITRA Research Reach
21
• Jabodetabek (Jakarta, Bogor, Depok, Bekasi, Tangerang)
• West Java (Bandung, Cirebon) • East Java (Surabaya)
North Sumatera (Medan) • Sulawesi (Ujung Pandang, Luwu, Polewali Mandar)
South Sumatera
• East Kalimantan • South Kalimantan
• Nusa Tenggara Timur
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BRANCHLESS BANKING PILOTS
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MFS Pilot Phase
Agent / UPLK *
Customers
Operation Model
* Unit Perantara Layanan Keuangan
Pilot Project Areas: ü North Sumatera ü South Sumatera ü West Java ü Central Java ü East Java ü Bali ü East Kalimantan ü South Sulawesi
q May 15th, 2013: Pilot project Branchless Banking, Pilot implementaNon guidelines
q May – Nov, 2013: Pilot project implementaNon
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Bank Mandiri
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BANKING: • Savings account (with interest) • Deposit/withdraw cash • Send money electronically:
- within the bank - to account in other banks in real time - to any handphone number via token
• Inquiry balance • Pay bills • Emergency Loans • Buy goods (retail purchase) • Buy/claim Insurance PLUS: • Buy airtime • Closed Users Group (free sms/call within the
group) • m-daya (health, training, buy-sell info,
agriculture)
VIA MOBILE*
at ULTRA LOW COST
Access Code: *247#
btpn WOW! Lainnya Account opening Free With fee Initial deposit Free With initial deposit Minimum deposit No minimum With minimum deposit Minimum cash-out No minimum With minimum amount Admin fee Free With fee Minimum Balance No minimum With minimum balance
BTPN
Product features:
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BTPN
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The use of Agents in BB scheme is criHcal to extend the availability of the service as well as the Trust aspect of the service
REMOVE before sharing with NetHope members
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XL
27
XLTUNAI
cashin cashout online instore
billing Remit
isi tarik belanja online saldo saldo di toko
belanja & Hket
tagihan kirim uang
transacHons
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XL
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cashin. cashout.
ATM&mBanking.
MenuTransfer. 016. No Handphone
From All Bank To all
*123*120#. Transfer to Bank Account. Bank code. Account no
7800+ 5000+ 110+ Agent
110+
100+
PakTunai
BankAccount
Others Cash In Point: Others cash out point:
7800+ 5000+ Agen Pulsa
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Agenda
29
Agenda Item Timing Presenter
1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 – 11:20 Shelley
2. Case Study: Agri-‐Fin Mobile by MercyCorps 11:20 – 12:00 Andi Ikhwan
3. Overview of e-‐MITRA and Branchless Banking Pilots 12:00 – 12:30 Eky & Hilman
4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:30 – 12:50 Dianne
5. Close 12:50 – 13:00 Shelley
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ACTIVITY: MOBILE FINANCIAL SERVICES OPPORTUNITIES
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INTRO
DUCTIO
N Survey: PotenHal Mobile Financials Services OpportuniHes
Name of OrganizaHon ?
Contact Details ?
ObjecHve, Vision and Mission ?
Focus Sector ?
LocaHon(s) ?
DuraHon ?
How can mobile financial services help your project(s)? ?
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Agenda
32
Agenda Item Timing Presenter
1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 – 11:20 Shelley
2. Case Study: Agri-‐Fin Mobile by MercyCorps 11:20 – 12:00 Andi Ikhwan
3. Overview of e-‐MITRA and Branchless Banking Pilots 12:00 – 12:30 Eky & Hilman
4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:30 – 12:50 Dianne
5. Close 12:50 – 13:00 Shelley
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Q&A
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Closing Video
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e-‐MITRA Sampoerna Strategic Square South Tower 30th Floor Jl. Jend. Sudirman Kav. 45 – 46 Jakarta, 12930 – Indonesia Phone: +62 21 299 30904 Fax: +62 21 299 30888
Contact Details
35