www.equitybank.co.ke

LESSONS LEARNT IN DELIVERING HUMANITARIAN PAYMENT SOLUTION

EQUITY BANK PRESENTATION

Social Payment Involvement

Hunger Safety Net Programme

World Food Programme

Kenya Youth Empowerment Programme

Orphaned and Vulnerable Children

2

Achievements in CTs using technology..

Financial Inclusion through basic banking

products.

Access to Micro loans through Savings

Psychological impacts & feel of

security,dignity and ownership.

Transparency through the payment process

3

..Achievements in CTs using technology

Monitoring ability

Ensures money goes to the intended

recipients without endemic leakages

Convenience: using agency model the

money is accessible to beneficiaries

4

It’s not just banking for the vulnerable

Enable the vulnerable to access a suite of

savings

Secure wealth building

Cost effective transactional methods thus

need to use low cost technology but water

tight.

Financial Literacy & entrepreneur trainings 5

Challenges during CTs using technology

Infrastructure

Cash economy

Literacy levels

Security

Conflicts in the communities – enrolment

process !

Culture

KYC documentation and onboarding 6

WAY FORWARD

7

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Payment Platform

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Robust Technology Capacity

I. High availability robust systems Core banking system: 35million bank

accounts; 300,000 transactions/min

Payment management system: 75 million cards; 180,000 transactions per minute; EMV compliant

Cash Management system

II. Data management Tier 4 data center Comprehensive business continuity &

recovery management system

III. Secure network & infrastructure

Capable of handling banking transactions for the whole of East Africa.Capable of processing transactions for

multiple local banks & institutions combined

EMV – Euro Mastercard & Visa (Advanced chip card security feature)

First Bank in Kenya to comply

The first tier 4 data center in East and Central Africa

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

State of the art data facility 99.99% availability In built fault tolerant systems Redundant power supply

Two grid power lines from KPLC 2 x 1500 KVA diesel generators 4 x 500 KVA UPS support

Enterprise servers & storage Offsite backup data center facility Physical & logical Security controls Monitoring & precision cooling systems Fully redundant networks architecture Equity Bank data hosted services

The first tier 4 data centre in East & Central Africa

World class levels in: Security Scalability High availability & uptime High Performance Robustness Resilience & disaster recovery

Tier IV DATA CENTER

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

High Availability & High Capacity

The data center systems architecture is designed to provide high availability and capacity for mission critical systems using the following technologies: Synchronous data replication between primary &

backup sites Virtualization & Consolidation Capacity on Demand Instant point in time backups & restores Backup to disk and tape vaulting 365 x 24 x 7 onsite security and technical support

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Telco Innovations

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

M-KESHOWhat is M-KESHO Account? A bank account that facilitates money transfer to and from the customer’s M-PESA account and Equity Bank account via their mobile handsets while enjoying other benefits that come with a bank account.

Benefits Withdraw money from your M-KESHO account to your

M-PESA account Deposit your money into a bank account, where it

earns interest Apply for emergency advances to support your short-

term credit needs Access to Insurance in case of a personal accident.

The Personal Accident cover can upgrade to full life insurance after one year.  

Protected by Deposit Protection Fund Kenya

M-Kesho

Winner of Best Mobile Banking Application 2010

award

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Equity Bank relationship with Orange Money offers a mobile payment service:Iko Pesa is a classic mapped bank account where a normal account is fully integrated with a mobile channel. Benefits Linked Bank Account Mapped Bank Account Account to account money transfers Because Orange Money is governed by banking rules

Orange Money has a higher initial limit of Ksh 100,000 The service is now available in six African countries.

IkoPesa

Card Products

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

The Hunger Safety Net Programme (HSNP)

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa. 17

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Rough Terrain

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Solar Infrastructure

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

Card Distribution

Mission: We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders.Vision: To be the champion of the socio-economic prosperity of the people of Africa.

It’s Pay Day !!!!!!!

THANK YOU