mobile payment adoption in brazil: investigation on a pilot implementation
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Mobile Payment adoption in Brazil: investigation on a pilot implementation. Adrian Kemmer Cernev Eduardo Henrique Diniz Gvcemf – Research Center for Microfinance at FGV – Getulio Vargas Foundation. Brazil facts & figures. 260 MM 82 % prepaid. 100% coverage. 70% of all - PowerPoint PPT PresentationTRANSCRIPT
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Mobile Payment adoption in Brazil: investigation on a pilot implementation
Adrian Kemmer CernevEduardo Henrique Diniz
Gvcemf – Research Center for Microfinanceat FGV – Getulio Vargas Foundation
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Brazil facts & figures
195 MM people
260 MM82% prepaid
45% adultsno bank accounts
(67% among the poor)
North/South inequalities
100%coverage
70% of a
ll
transacti
ons
in cash
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Banco Palmas - Fortaleza
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Social Currency
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Mobile Payment atConjunto Palmeira
Pioneer project oriented to financial inclusion
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Research Strategy (1st step)
Interviews with actors involved: Banco Palmas(3), Executives(10), Operational
People(3), Clients(14), Merchants(3), Gov officers(5)
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?
Main actors (2011)
Ministry of Social Development
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Main actors (2012)
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1,400 registered 500 active
No mobile payment No network externality Security motivation Free chip
Pilot Project Today (Users)
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4 merchants no significant use
informal merchants B2C or C2C?!
Pilot Project Today (Merchants)
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Governance Expectations on the project Time line perspective Model conflifts
Pilot Project Today (Partners)Social
inclusion
Mobile banking
To be mature in 15 years
Channel conflict
Battle for marketshare
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Other issues Operational failures Low income market Banco Palmas role Cash culture
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Interoperability Closed networks
Pilot Project Ecosystem Model Replicability
Acquiring process
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Feedback to interviewed actors Governance!!!
Data analysis Project ELAS data base Bolsa Familia Women Group comparisons Government data bases
Research Next Steps
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Payment Service Providers New regulation Seminar on MM ecosystems
Ministry of Social Development (MDS) Biggest mobile client
Banco Palmas: 15th anniversary
Next Events