innovation for financial inclusion
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INNOVATION FOR
FINANCIAL INCLUSION !
SYNERGETIC PARTNERSHIP WITH POST-OFFICES
CHALLENGES TO BE ADDRESSED!
Time to Re-Building the foundation for a bank that truly served everybody including the citizens not served by financial institutions and regardless their financial status!
Tackle Financial exclusion
Close the `financial gap` between Banking system and clients at the bottom of the pyramid (BOP)
Capture the “under-serviced” and unbanked segment of informal market which represent 80% of the economy
Virtual account & cashless financial platform: Creating single cashless financial platform spanning multiple payment
channels and authentication mechanisms, enabling payment transactions process with Speed, Affordability and High level of Security.
Mobile banking & High Value Added Services (VAS): Going beyond money transfer scheme by offering a complete mobile
banking system with high VAS : savings accounts; money transfer, micro-insurance, retail payment, utility bills payment, micro-credits, etc.
Our Basic approach
& Solutions
Convenience! You can transact Anywhere at Anytime!
Every channel represents a “PAYMENT INSTRUMENT”:
“Load, Transfer, Pay, Give or Retrieve Cash from”
Your PHONE! Your FINGER! Your CARD! Your VOICE!
Multiple Payment channels & Authentication mechanism
Technology & Payment instruments
Payment instruments
Mcard Payment •NFC
•Magstripe
•Chip
•Biometric
Point of Sales - NFC
- Fingerprint Biometrics
- Card magnetic stripe & smartcard
Tablets &
Smartphones
- NFC
- Fingerprint Biometrics
PARTNERSHIP MODEL: IVORY-COAST
VALUE-ADDED SERVICES
MobiWatt® Electricity Bills payment
MicroCash® Micro Lending, Credit, loans
MobiRemit® Domestic & International remitance
MobiBills® TV, Bills payment
MobiRisk® Mylife, Insurance coverage & Premium payment
MobiSend® Transfer & Receive money
MobiPayroll® Bulk payment salaries, grants, benefits
MobiAir® Airtime Top up
MobiPay® Merchand Payment
MobiTicket® Pay your public transport, stadiums ticketing
MobiKids® Educate & control your kids spendings
MobiStores ® Ecommercce
MobiLotto® Lottery & betting
MobiGift® Electronic gifts
MobiTax® Tax Collection System
MobiCoupon ® Vouchers % Loyalty programs
MobiGrant® Government, social grants
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Let us capitalize on these emerging technologies and standards and work to promote and support their implementation.
In doing so, we will surely be laying a solid foundation for poverty alleviation upon which the financial inclusion will be bridged!
Moving from Rhetoric to Reality through Cooperation!