jakarta,’december’2013’ -...

NETHOPE MEMBERS LUNCH MEETING INDONESIA

Mobile Financial Services Update

Jakarta, December 2013

Agenda

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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

Agenda

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5.   Close 12:50 – 13:00 Shelley

OVERVIEW OF NETHOPE

NetHope Members

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Examples of Successful Electronic Payments Implementation

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e-‐MITRA Team

Washington, DC

Jakarta, Indonesia

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MOBILE FINANCIAL SERVICES

208 mobile money deployments & growing worldwide

9 Source: hCp://www.mobileworldlive.com/mobile-‐money-‐tracker

Electronic Payment Examples Around the World

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Benefits of Mobile Financial Services

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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%

•  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

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5.   Close 12:50 – 13:00 Shelley

CASE STUDY: AGRI-‐FIN MOBILE BY MERCYCORPS

Agenda

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5.   Close 12:50 – 13:00 Shelley

OVERVIEW OF e-‐MITRA

e-‐MITRA – Background

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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.

e-‐MITRA – IntroducHon

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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

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

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•  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

BRANCHLESS BANKING PILOTS

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:

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

XL

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XLTUNAI

cashin cashout online instore

billing Remit

isi tarik belanja online saldo saldo di toko

belanja & Hket

tagihan kirim uang

transacHons

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

Agenda

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5.   Close 12:50 – 13:00 Shelley

ACTIVITY: MOBILE FINANCIAL SERVICES OPPORTUNITIES

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

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5.   Close 12:50 – 13:00 Shelley

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

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jakarta,’december’2013’ -...

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