Summary presentation for Banque Populaire du Rwanda project to launch mobile banking for all BPR customers (normal Rwandan consumers, farmers, small business people).

1. BPR Mobile Banking
BPR’s exciting new product

2. Banque Populaire du Rwanda
 Largest consumer bank,
with the largest branch
network in Rwanda.
 History of being the “bank
of the people”, supporting
small business,
agriculture.
 1 in 2 banked Rwandans
have a BPR account.
 in Rwanda (June 2010)
 BPR Mobile Banking Branches 18
provides Rwandans Sub-Branches 109
access on their terms -- Outlets 61
the bank in their pocket.
Staff 1460

3. BPR Mobile Banking Roadmap Strategy
Phase 1: Launch Phase 2: Expansion
In this phase, BPR wants to establish
the platform for mobile banking – (not public information
starting with valuable services for
existing customers. currently)
• Successfully launch our platform,
product and brand
• Work out any kinks, get customer
feedback
• Attract new customers to the bank
Q3 2010 Q4 2010 Q1 2011 Q2 2011
Phase 1.5: Development
Launch new services, alerts, features
• Show growth and development
(“living product”)
• Enable catch-up with last mobile
operators, payment partners
• New SMS alerts along with ATM roll-
out

4. BPR Business Goals
 Good for Our Customers
 Good for Rwandans
 Good for BPR

5. Our Customer Input Validates the Roll-Out
100 90
90 79 79 82
80 71 69
70 66
62
60
50
40
30
20 16
11
7
10 2
0
no possibly very much no possibly very much no possibly very much no possibly very much
Would the client use a mobile phone in doing would the client trust using the phone to transfer / Would they be willing to pay a small amount for Do they feel that they would benefit by not having
some of the transactions that brought them to the receive money on their account or pay bills, goods this service if it added value? to carry around as much cash with them to pay
bank, if such a channel existed? and services bills, other people or goods/services?
Would you trust a
mobile phone for Would you be Would you like to
Would you use a
transfers and willing to pay for carry less cash?
mobile phone for
purchases? it if it added
banking?
value?

6. Our Customer Input Validates the Roll-Out
120 107
Number of respondents
100
80 76
80 72 68
60
40 29
21
20 14
6
0
no possibly very much no possibly very much no possibly very much
If client could pay for services and goods Would such a service lead the client to Does the client think BPR has tha ability to
by phone, would the client reduce the leave more money on their account? introduce such an innovative product?
amount of cash they carry with them?
Would mobile Do you think this
Would you be
banking entice is the sort of
more inclined to
you to carry less service BPR
keep more
cash? could launch?
money in your
account?

7. BPR Mobile Banking - What is it?
 An easy-to-use banking tool,
available to all customers of
connected branches.
 Safe, secure, flexible insight
and remote control over your
account, 24/7 and on-the-go.
 Available to BPR customers
on all mobile networks in
Rwanda:
 Access via one easy-to-
remember short-code.

8. BPR Mobile Banking - Features & Benefits
 Easy to Use
 Convenient & Saves Time
 Available in Kinyarwanda,
English, French

9. BPR Mobile Banking - Features & Benefits
 Safe, Secure, Reliable
 Inexpensive
 Innovative

10. What will it look like?
*1550# BPR Mobile BPR Mobile Your BPR account
BPR Mobile Banking Banking Banking balance is:
Please enter your 1. Balance Enquiry RWF 000,000.00
1. Balance Enquiry
BPR Mobile PIN. 2. Mini-Statement
2. Mini-Statement Enter “9” to return
3. Money Transfer 3. Money Transfer
to the main menu.
4. Prepaid Airtime 4. Prepaid Airtime
5. Bill Payments 5. Bill Payments
6. Bank Services
6. Bank Services
7. Help
7. Help
Pease enter the Enter the amount Please confirm Money transfer
recipient BPR of money to be your money successful!
account or phone transferred: transfer: RWF 000,000 was
number registered RWF 000,000 will transferred to
for BPR Mobile be transferred to
you wish to BPR Mobile Ref.
transfer money to: No: 12345678
Enter “0” to confirm
transfer and send. Enter “9” to return
to the main menu.

11. Positioning Concepts
BPR Mobile Banking
banki mu mufuka wawe
BPR Mobile Banking
The neighbourhood bank, in your pocket!
Announcing: Free SMS Salary Alerts
Mobile Banking
BPR Mobile Banking Money Transfer
Dial
Mobile Banking and Bill Payments
Payments for Everyone!
Check Your Balance
Transfer Money
Star Africa
Television Pay Bills and Top-Up Airtime Star Africa
Television

12. Positioning Concepts
BPR MOBILE
Banki mu mufuka wawe
 Balance Enquiry
 Mini-Statement
 Money Transfer
 Prepaid Airtime
 Bill Payments
 Bank Services
 Help
Guess what!!!!!!!!
Your bank in your pocket

13. Launch Timing
 Phase I: Planning (2 weeks, 26 April – 07 May)
 Phase II: Design & Architecture (2 weeks, 17 – 28 May)
 Phase III: Build (5 weeks, 31 May – 09 July)
 Phase IV: Test & Acceptance (6 weeks, 12 – 20 July)
 Phase V: Launch (TO BE ANNOUNCED)
April I May II III June IV
July August