Mobile Phone Banking

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

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

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

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

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

Expanding Mobile Money Market Product Matrix

Potential Segment 1: Rural households seeking practical financial solutions Potential Group Description Customer Need Relevant Products Benefits Positioning/ Strategy 1. Out-of-town workers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],2. Family with dependents out-of-town ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],3. Clients of utility companies ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Potential Segment 2: Customer groups in under-banked regions Potential Group Description Customer Need Relevant Products Benefits Positioning/ Strategy 4. Households in towns with limited bank presence ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],5a.Companies with large head count ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],5b. Employees receiving Text-a-Sweldo ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Potential Segment 3: Businesses that can benefit from mobile banking Potential Group Description Customer Need Relevant Products Benefits Positioning/ Strategy 6a. Merchants accepting GCash ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],6b. CICO Outlets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],6c. Globe Autoload Max resellers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],7. Microcredit borrowers in good standing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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

Deposit Related SMS Service ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Loan Related SMS Service ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Non-Financial Services Provided via SMS ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Mobile Phone Banking

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