CENFRI Surveys
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African Conference on Remittances and Postal Networks Day 1 S3 N2 Thom CENFRI
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CENFRI Surveys
- 1. African Conference on Remittances and Postal networks Mia Thom 4 March, 2015
- 2. Target markets: main financial services needs Swaziland 40% 60%Savings 12% 88%Remittances Malawi 13% 87%Savings 8% 92%Remittances 80% Remittance Senders (40%) Salaried Banked $280 MSME $61 Banked 51% Remittance Receivers (42%) Dependents 70% Banked 28% Pieceworkers 70% Banked 28% 68% Senders (44%) Receivers (33%) Salaried Banked $68 Pieceworkers 93% Banked 13% MSME $46 Banked 35% Receivers (24%) Dependents Banked 27% Receivers (33%) Receivers (24%)Farmers 95% 23% Banked Farmers None – limited sale of farming produce 65% 11%
- 3. MalawiSwaziland • 38 Branches • Money transfers (domestic and cross-border, partnered) • Bill Payments Current • Partner with Swazi bank as agents • Mobile money agents • Savings • Grant payments • Credit beyond payments unlikely • Self stocked ATMs Potential • 180 Branches • NBS bank agents in 6 branches • Fast cash (domestic money transfer) • Cross border transfers, partnered • Bill Payments Current • Already significant remittance role • Extended bank agent role • Mobile money agents • Savings • Credit beyond payments unlikely • Self stocked ATMs Potential Post offices: potential to meet needs 40% 60%Savings 12% 88%Remittances 13% 87%Savings 8% 92%Remittances 11%
Notas do Editor
- Swazi post Cross border transfers cheapest but slowest