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SAP – Helping the world run Better Guruprasad Gaonkar, Head of Financial Services Industry, SAP South East Asia November, 2013
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Purpose Vision Mission
Our Context Our Challenges
Our 2 questions
You Company Priorities
Transformation
Scope & Scale
Attitude & Altitude
Industrialization
Humble Celebration
Thinking Big
Understanding vs. Learning
Personality vs. Character
The journey of You
SAP SAP, and our shared responsibility to help the world run better
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I make enough money to send my kids to school.
I am confident that my aircraft is safe to fly on.
I have total confidence in my hospital treatment.
A better run world powered by innovations from SAP is already taking shape
My family can afford necessities, even in tough times
My child is safe from recalled items.
Every product I use in my house is safe and reliable.
My utility companies help me use less energy.
The power of business solves social problems.
I get humanitarian aid and assistance quickly.
I have a secure place to keep my money.
Solutions People Results Purpose Innovations Ecosystem Join Us Imagine Home Purpose
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Standard Bank ( South Africa) brings Financial Services to Over Half a Million people (Video)
South East Asia Market Context
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South East Asia Headlines
60% of South East adult population is Unbanked
In 2010 international migrants worldwide was 213 million, of whom 28% were located in Asia
US$325 billion is the remittances sent home by international migrants are a bigger source of foreign income than Overseas Development Assistance
600 Million Mobile subscriptions‘ with more than 100% penetration
rate
One in three mobile phone is a smartphone
Rural Financial Services
Domestic Remittance
International Remittance Transfer
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Indonesia Context: Need for risk coverage
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Indonesia’s progressive steps towards Inclusive Financial Services:
20% of the total population have bank accounts
50% have access to non-banking financial Institutions
30% with no access to any form of Financial Services
246.9 Mil Population (2012)
Inclusive Financial Services Financial Institutions & Telco’s enabled by SAP Solutions in Asia & Globally are already taking the leap
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Affordability
Convenience
Simplicity
Dignity
Cost Effectiveness/Security
Standard Bank ( South Africa) - Inclusive Financial Services
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Dutch Bangla Bank( DBBL Bangladesh) - Inclusive Financial Services
Mobile Money Services
Bangladesh: 100M population, 13% banked, 45% mobile users
Branch initiated services – agent registration, cash in/out
Agent initiated services – customer registration, cash-in/out
Customer initiated services – balance, P2P
Head office initiated services – disbursements
Across telcos – Citycell and Banglalink using SMS, IVR and USSD
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Dutch Bangla Bank( DBBL Bangladesh) - Inclusive Financial Services Video
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BTPN (Indonesia) - Unbanked & Micro Finance
Services • SVA Account • Balance enquiry and
Transaction History • Bill Payment and Airtime
Reload • Funds Transfer • Cash in and Cash out @
ATM and Agents • Data extraction for
Datawarehouse
Next Stage • Additional Billers • Rich Client • Bank customers
Mobile Channels • USSD
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CIMB Niaga ( Indonesia) - Mobile Banking for the UnderBanked
Services • Balance • Transaction History • Bill Payment – 50 billers • Funds Transfer • AirTime Reload
Next Stage • SVA Account • Alerting • Cash-In, Cash-Out @ATM • Additional Billers • Dormant Account • Additional Reports
Mobile Channels • iPhone, Blackberry, J2ME
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HBL ( Pakistan) - Inclusive Financial Services & Remittances
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HBL ( Pakistan) - Inclusive Financial Services & Remittances ( Video)
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Celcom ( Malaysia) - Money Money & Transfers
Top up their wallet from any Bank account.
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Ufone’s Ubank ( Pakistan) - Inclusive Financial Services
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Inclusive Financial Services Success in Indonesia & ASEAN
• Over 1,400,000 new customers (14 months since LAUNCH)
• Currently signing on average of 100,000 customers a month.
• All managed from a single mobile technology platform at the lowest unit cost per customer
• Over 55 Million USD collected in deposits.
• Planning to have 10 million new accounts by the 2013/14.
• Largest South African Retail and Commercial Bank
• 22 million South Africans earn less than R3000 a month – 66% of these are unbanked
• 60% of the adults banked in 2008
• Approx. 15m people unbanked or under-banked
Summary Key Messages, Helping the world run better, and improving people’s lives
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Key Messages
• Financial Institutions, and regulators in Asia have already taken the first steps towards “Inclusive Financial Services”
• Provides a “proven model” that drives customer acceptance and adoption through education, ease of use & service choices available for customer segments
• Technology platform today delivers end-to-end services at the lowest unit cost per customer, scales to high volume growth and inter-operates with a wide variety of stakeholder / participants
• The success of micro-insurance programs in Asia can be accelerated with the integration into these existing financial inclusion ecosystem & infrastructure
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Vision, Mission, and Strategy - We share a common objective with “Inclusive Financial Services”
• SAP’s vision is to help the world run better and improve people’s lives
• SAP aim’s to see one billion people interacting with our software.
Helping the World Run Better
Thank you
Guruprasad Gaonkar, Head of Financial Services Industry ( SAP South East Asia) [email protected]