One of leading banks in Myanmar, CB Bank's technical consultant ran Mobile Monday participants through the bank's plans for mobile banking in the near future.

1. CB Bank's Mobile Banking

2. 4 Developing microfinance and people in rural
1 Payment service is developing in Myanmar
3 Providing bank services to rural region of Myanmar
2 Faster transactions is required in developing economic
Why CB Bank implement Mobile
Banking?

3. Mobile Banking Overview

4. -­‐ Fund
Transfer
-­‐ Balance
Check
-­‐ Bill
Payment
-­‐ Top-­‐up
-­‐ Etc..
-­‐ Deposit
-­‐ Withdraw
-­‐ Remi@ance
-­‐ Loan
-­‐ Etc..
Logical Mobile Banking
CORE
–
Centralized
Online
Real-­‐Dme
Environment

5. CB Bank Mobile Banking
Customer UnbankedPazuntaung Branch Pyin Oo Lwin Branch
Head Office
CORE – Centralized Online Real-time Environment

6. Mobile Channel Options
§ SMS
- Alerts
- Interactive
§ USSD
§ XHTML Browser
§ Downloadable Applications
- iPhone
- Android
- Windows Phone7
- JAVA ( MIDP 1 and MIDP 2)

7. Mobile Banking Services Channels
SMS - SMS alert and SMS commands
USSD - Use USSD (eg: *133#), then customer
will get the menu to access banking service
Mobile Browser/WAP - Use web browser on mobile
Application - Download application from the Market
(iPhone, Android, Windows Phone7, JAVA)
*USSD
-­‐
Unstructured
Supplementary
Service
Data

8. CB Bank Mobile banking Advantages
• Almost Mobile Phone Handset can use CB Mobile
• Easy to use, menu based program
• Transmitted data are secured
• Customer can chose English or Burmese
• More and more services are being developed

9. Mobile Banking Evolution
Mobile
Banking
InformaDonal
Mobile
Banking
TransacDonal
Mobile
Banking
Account
Balances
TransacDon
History
Alerts
LBS
Mobile
Payments
Funds
Transfer
Cheques
Remote
data
capture
Remote
teller
• Mobile Wallet
• P2P payments
- Banked & unbanked
Money transfers
• C2B payments
- Retail payments
• Acquire new customers
- Upload customer ID
- Photo upload
- KYC
• Remote chq deposit
• Pay in/Pay out
• Loan disbursement
• Collections
• Acquire customers
• Sell products
- Deposits,
- Fast loans

10. CB Bank Mobile banking functions
1 Exchange Rate
- Enquiry the updated currency rates in CB Bank
2 Future Dated Transaction
- CB Bank allows customer to do transaction in future date, this menu to inquiry upcoming transactions
3 Fund Transfer Own Account
- Transfer between customer’s own accounts
+ Transaction date can be current date or future date
+ Transfer between current, saving, ATM accounts
4 Beneficiary Registration
- Register beneficiary for funds transfer, standing order

11. 5 Beneficiary Deletion
- Delete registered beneficiary
6 Funds Transfer to Other (Beneficiary Payment)
- Transfer to other CB Bank customer’s account (current, saving, ATM)
7 Standing Order
- Enquiry all standing orders
8 Standing Order Registration
- Customer to input standing order, then the system will make transaction frequently
9 Visa/Master card top-up
- Customer can top-up CB’s Visa/Master card from current/saving accounts
CB Bank Mobile banking functions

12. 10 Payment Stop
- When any cheque was lost/stolen, customer can use this menu to stop payment on it
11 Cheque Status
- Enquiry cheque status
12 Cheque Book Request
- Customer send request to the bank for cheque issuing for his current account.
CB Bank Mobile banking functions

13. 1 CB Bank is using TEMENOS T24 Core Banking System which is famous Core banking in the
world, it helps CB Bank to provide valued and secured service to customer
2 T24 Core Banking System is Online Centralized System, so customer can retrieve their information
or make transaction easily anytime.
3 Every transmitted information between Mobile User and CB Bank System are encrypted and
secured by Firewall Security, Activation Key, Authorization Key, PIN and OTP (One Time
Password)
4 When customer active the service on their phone, then other handset cannot be active with the
same information
Security

14. 5 Any time transaction done, customer will receive alert message
6 Customer have to login by PIN number for using
7 If customer lost the phone, they can call to the bank to block their channel
Security

15. Mobile Banking future services

16. Agent Banking Model
Unbanked
UnbankedAgentAgent
Head Office
Pazuntaung Branch Naunglaybin Branch
Cash In Cash Out

17. 1 When customer’s Card was lost/stolen, they can stop card service by Mobile
2 Mobile top-up
3 Manage insurance contract
4 Buy Cinema/Air ticket
5 Payment at supermarket
6 Agent cash withdraw
7 Agent cash deposit
Mobile Banking coming services

18. Thank you