African Conference on Remittances and Postal Networks Day 1 S2 N4 Avsec - Rodrigues UPU

1. © UPU 2015 – All rights reserved© UPU 2015 – All rights reserved
Postal Networks in Africa:
- Lessons Learned
African Conference on Remittances and Postal
Networks - 4 to 5 March 2015
UPU - DOT

2. © UPU 2015 – All rights reserved
UPU Postal Payment Vision and Strategy
• Access to efficient, reliable, secure and affordable electronic
postal payment services (660,000 post offices)
• Expand access to the UPU worldwide electronic postal payment
network (WEPPN) to all Posts and other financial services
partners (MTOs, banks, etc.)
• Focus in particular on migrants’ remittances corridors and rural
areas
• Cost-reduction (reduction of tariffs and remunerations)
• Use the UPU WEPPN as integrator
• COD, E-Commerce
• Mobile technologies for Point of Sales
and Mobile payments
• Postal Clearing & Settlement system
• Worldwide Trademark

3. © UPU 2015 – All rights reserved
The UPU and financial services
UN specialized
agency
Technical
assistance:
Foster financial
inclusion
Network: 660’000
post offices worldwide
Most in rural areas
A technical
solution: IFS
Intergovernmental
treaty: the Postal
Payment Services
Agreement and its
Regulations
Knowledge
&
Advocacy

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Extension of the WEPPN
• Collective trademark
• Simplification of bilateral agreements and DO relationship:
− Multilateral agreement
− Electronic Compendium
− FEIS – Electronic Inquiry System
• Quality of service standards
• Connection of the WEPPN to other networks
− Eurogiro
− Others to be connected
• Project developments:
− Designated operators
− In association with UPU Partners

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• Individual DO assistance
• Regional Development Plans
• Cooperation with Designated
Operators
• Cooperation with international
organizations:
− International Fund for
Agricultural Development
(IFAD)
− International Organization
for Migration (IMO)
Project developments

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UPU-IFAD Project (2008/2010) - West Africa Region (I)
Creation of electronic remittance services in rural areas
• Target 6 countries:
– Benin, Burkina Faso, Mali,
Mauritania, Niger and
Senegal.
• Equipment purchased, installed
and tested in rural post offices.
• Connection of 355 post offices to
the UPU's worldwide electronic
postal payment network (WEPN).
Results of UPU-IFAD project in
cooperation with La Poste
(France):

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UPU-IFAD Project (2008/2010) - West Africa Region (II)
Creation of electronic remittance services in rural areas
• Secure postal procedures
implemented in rural areas for
the payment of Money Orders
• Accounting and cash
management procedures set up
• + 17 corridors opened
• Traffic in 2010 increased by
104% compared with 2009.
• Tariffs reduced by 30 to 50%
Inhabitants of rural areas in West Africa can now
receive and send money to their family
members, without the need to travel to remote
large towns.

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Projects development in partnership with Planet Finance
2013 -
Offer migrants a safe, reliable,
affordable and accessible solution
to transfer money using the
«Mandat Express International»
(IFS).
Leverage the postal network in
rural areas to sensitize to and
inform rural populations (both
senders and recipients of
remittances) on the importance of
savings and basic financial
mechanisms
Foster financial inclusion by
developing and offering rural
populations simple financial
products.
Sources * Banque Mondiale
** peoplemove.in
Postal operators of Burkina
Faso, Cameroon, Côte d’Ivoire
and Mali

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Joint IOM-UPU-RNP (Burundi) Migration
and Development initiative
Migration and
Development:
an integrated
postal
approach
Facilitate
communication
between migrants
and their families
Improve
remittance
services and
reduce costs
Provide
financial
education to
migrants and
their families
Facilitate
access to
international
markets for
local producers
Foster
financial
inclusion

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Beyond postal remittances:
• E-Commerce and mobile payments
• Universal Payment Gateway

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Domestic money transfers
International money transfers
eCommerce payments(COMPAS)
Pre-payment, escrow Service
Clearing and settlement
Banking solutions
Mobile
wallet/transfers/payments
Other networks
Card payments
Other Online Services
Electronic Customs declarations
Prohibitions & restrictions detection
Postal and transport security checks
Landed costs calculations
International mail processing
Accounting of international services
Processing of returned mail items
Financial Services
Airlines systems
Customs systems
Mail and Logistic Services
Post*Code database
Postal address validation
Global track and trace
Postal export guide
Other online publications
Global repository of postal
eShops (GLORYPOSE)
Quality of service
Inquiries and claims
SME /
Merchants
.post
Post*Net Mail - Post*Net Finance
Customers
Identification
Post ID
Interfaces
Interfaces
IFSIPS + CDS
The UPU IT Framework
for eCommerce

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Different payment options are available:
• Pay-on-delivery (or COD)
• Pay-on-purchase
• Trust-pay with COMPAS: the Posts offer escrow service to
secure:
• the purchasing customer (payment is released if item
is delivered)
• the selling company (parcel is released if payment is
collected)
eCommerce Postal Payments

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Country 1
Customer Post
Country 2
Post Business
Place order
UPU
COMPAS
Send order & costs
Send
Payment ID + S10
Prepare draft
payment
Collect amount
(Cash or from
account)
Notify
“amount collected”
Inquire
“amount collected?”
Handover mail item
Send mail item
Deliver mail item
Send payment
Pay business
COMPAS
eCommerce Trust-Pay service

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Postal hub to link the UPU-IFS with:
• Other payment network (MTO)
• Mobile payment network (MMO)
• Banking and card payments networks
In the Post Office, it means a single window to process any
payment via the IFS:
 Simplify the operations for better efficiency and
better quality
Partnership development

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Postal OrganizationUPU
Backbone
Interfaces
IFS Technologies
Partners
MTO
Money
Transfer
Operator
MMO
Mobile
Money
Operator
Bank
CPS
Card
Payment
System
Light (Cloud)
Banking system
eWallet system
Postal
Hub
POS system
Mobile solutions
Payment Services:
Other Posts
MTOs
MMOs
Banks
CPS
Partnership development
UPU Postal Payments Hub

16. © UPU 2015 – All rights reserved
Thank you very much for your
attention
Alexandre Rodrigues
Postal Financial Services Programme
Manager
International Bureau
Universal Postal Union
Tel: +41 31 350 3247
E-mail: alexandre.rodrigues@upu.int
David Avsec
PTC – Deputy Director
Account Relationship Coordinator
International Bureau
Universal Postal Union
Tel: +41 31 350 3541
E-mail: david.avsec@upu.int