Microfinance -- Moving Forward for Rural Banks
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A presentation by Atty. John V. Owens that discuss market, competition, and branchless banking trends
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Microfinance -- Moving Forward for Rural Banks
- 1. Microfinance Moving Forward for Rural Banks John V. Owens RBAP‐MABS 2011 RBAP‐MABS Regional Roundtable Conference Hya= Hotel Casino, Manila November 9, 2011
- 2. Factors Affecting Banks Increasing New competition technologies Changing Inclusive markets regulations Rural Banks
- 4. Multiple Borrowings Over-indebtedness
- 5. More Discriminating Borrowers Savers ATM Cards Microinsurance
- 6. Increased Competition Commercial Banks Finance Rural Credit Companies Banks Cooperatives NGOs
- 7. New Technologies Channels
- 8. Widespread Mobile Banking Technologies SMS Banking
- 10. Use of Card-based Banking
- 11. Lower Cost of Technology
- 12. Use of Third-Party Networks
- 13. Are you using ! Social Networking Crowdsourcing ! to expand your market outreach?!
- 18. Inclusive Regulations Expansion of MBOs Introduction of Micro-Savings Reduced KYC Change in Effective Interest Rate Calculations Promotion of Consumer Protection Practices
- 19. Rural Bank Responses Market trend responses o Product diversification and improved customer retention programs o Introduce payment services Competitive responses o Use MBOs to reach new/underserved areas o Introduce micro-deposits mobile money transfer as entry level product, up-sell other products/services o Use third-party networks to outsource KYC, expand reach, and offer new services
- 20. Rural Bank Response New Technology Adoption Deploy Cash/Debit Card, Mobile Phone Banking, and Agent Channels! Upgrade Core Banking Solutions! Utilize the Power of Social Networks! Inclusive Regulation Adaptation Review and Share Pricing Structure! Incorporate Consumer Protection Principles !
- 21. Things to watch out ... 1. Pricing Transparency – Tiered Pricing 2. Credit Bureaus 3. Leverage Technology 1. Outreach 2. Competition 3. Efficiency 4. Social Networks ‐ Crowdsourcing
- 22. • Regular Branches Branches Offices • OBOs • MBOs • MIS Technology • ATMs Interfaces • Mobile Phones • Social Networks • POS Third‐ • Cash/Debit/ATM party Networks cards • Agents
- 24. Thank You Email: jowens@rbapmabs.com Websites: http://www.mobilephonebanking.rbap.org/ http://blog.mobilephonebanking.rbap.org/ Facebook: LinkedIn: Twitter: johnvowens John Owens jvowens