37coins: pain & potential in emerging markets, andres fernando
Post on 04-Jul-2015
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Emerging MarketsEmerging Markets
Pains and PotentialsPains and Potentials
37coins
Shared Pains
Banking Access Remittance FeesLow tech
Banking Access Remittance FeesLow tech
● Low rate of accounts per capita● Few bank branches
per user● Low usage of credit card● High costs of banking services● Poor banking education
http://www.economist.com/blogs/dailychart/2010/12/remittances
Banking Access Remittance FeesLow tech
Banking Access Remittance FeesLow tech
● Not to many smartphones
http://think.withgoogle.com/mobileplanet
Banking Access Remittance FeesLow tech
● Poor internet access
http://en.wikipedia.org/wiki/File:InternetPenetrationWorldMap.svg
Banking Access Remittance FeesLow tech
● Mobile phones?
Shared Pains
Banking Access Remittance FeesLow tech
Potentials
Banking Access Remittance FeesLow tech
???
● Banking Solutions● Low or zero remittance fees● Using mobile phones only (SMS)
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