2. Macro Economic Overview of
Financing in Bangladesh
• Only 2.221 banking branches and 1.443 ATM booths
per 100 square kilometre
• 5.28 banking branches and 1.28 ATM booths per
1,00,000 people
Low financial inclusion
10. Mobile Banking Value Chain
(Bank-led)
Design
Account
Opening
Cash
In/Out
Network
E-Money
Issuance
Deposit
Holding
Value
Added
Services
Network Channel
Account and Transaction Management
Key
Bank
Mobile Network
Operator (MNO)
Independent MNO
Agents
Source: (Ahmed, Haque, Iqbal, Ahmed, & Rahman, 2013)
11. Mobile Banking Value Chain
(MNO-led)
Design
Account
Opening
Cash
In/Out
Network
E-Money
Issuance
Deposit
Holding
Value
Added
Services
Network Channel
Account and Transaction Management
Key
Bank
Mobile Network
Operator (MNO)
Source: (IBM, 2010)
Independent MNO
Agents
12. Typical Payment Value Chain
Processor
Merchant
Acquirer/
Gateway
Network
Bank
Alternative Payment Providers
Source: (KPMG International, 2011)
Consumer
13. Mobile Payment Value Chain
Mobile Software/Platform Provider
Technology
Provider
Mobile Network
Operator
Source: (KPMG International, 2011)
Consumer
14. Global Mobile Banking Value Chain
Technology & Software Provider
Account
Opening
Design
Remittance
Exchange
House
E-Money Issuance
VAS
Recipient Account
Key
Bank
Cash In/Out Agent
Recipient
Local Network Channel
Global Financial Network
Global Account and Transaction
Management
Deposit Handling
Local Account and Transaction Management
Mobile Network
Operator
(MNO)
Independent
MNO Agents
Global
Global/Local
3rd Party
22. Drivers of Change in Industry
Involvement of
Multinational
banks in mobile
financial services
Value Added
Service of
MNOs
Interest on
deposit in
virtual
account
Diversified
needs of
consumers
Involvement
of single
MNO with
several banks
Drivers
of
Change
Value added
service of
Banks
26. Geographic Spread
Factors to
consider
• Several multinational banks in
Bangladesh
• Advancement in telecommunication
across globe
• Active involvment of international
development organization in the country
• Significant number of workers working
outside
• Several countries are now allowing
migration of workers
27. Industrial Up- gradation
Partnership with single MNO
Mobile Financial Service for Niche Market
Innovation in term of Value Added Service
Value chain led by Development organization
Emergence of technological trainer as a partner