shahid mustafa isb cfo2012

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    BranchlessBankin

    TheEasypaisaWay

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    ContentsContents

    Customerneedsandfinancialinclusion

    PartnershipofTelenorandTameer

    Theeasypaisaservice

    ImpactandWayForward

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    WhatdoesHeneed??WhatdoesHeneed??

    Howdoesthisman..

    .

    a) Transfer moneyb) Domestically

    2. Repay Loans?

    a) Save?

    1. 30 millions utility bills per month

    MarketPotential

    .a)Domestic Remittance - $7bn / yr

    b) International Remit - $9bn / yr

    . access to formal financial services

    ONLY14%ofPAKISTANISHAVEACCESSTOFINANCIALSERVICES

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    PakistanisunderPakistanisunderbankedbanked

    ButmostButmostpeoplepeople

    involuntainvoluntarilyrilyexc u eexc u e

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    TelenorTameerPartnershipTelenorTameerPartnership

    Microfinance NationalBanking

    LicenseOutreachat

    LowCost

    experience&competencyin

    BB

    StrongBrand

    Image

    Sharedvisionandstrategy

    LargeExisitng

    Financial UtilityBillPayments, Overthecounter

    inclusionof86%unbanked

    Pakistanis

    formalFSthrough

    thousandsof

    agent

    DomesticandInternationalRemittances

    (assistedservice)andMWallets

    (selfservice)

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    TheeasypaisaserviceTheeasypaisaservice

    BasicFinancialServicesina

    reliableandconvenientwa

    Targeting

    the

    unbanked

    Overthecounterorhandset

    Foreveryone!

    16,000easypaisa

    shops

    in

    700

    cities towns

    OverRs.100Bn of

    Transact ona

    T roug putSinceLaunch(2.5Yrs)

    Year

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    easypaisaiswellreceivedeasypaisaiswellreceived

    WinnerofMMTAwardforBestNewEntrantin2010

    easypaisaisprobablythemodelforthe

    uture andnot MPesamodel

    Betweennowandtheend

    of2011

    million

    of

    consumersareexpectedto

    directlybenefitfrom

    Branchlessbanking

    is

    a

    increasethefinancialservices

    outreachtotheunbanked

    communities

    Whatisuniqueabout

    easypaisaisthebusiness

    model.Telenorowns

    partofTameerandthat

    prov es orun que

    advantagesonthecost

    sideandbenefitsin

    termsofproductdesign.

    Second,thepartnershipOfferingmillionsofpeople

    illustratesthepossible

    tieupsbetweenaMF

    providerand

    aMNO.

    accountsthechanceto

    makefinancialtransactions

    atthetouchofabutton.

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    ProductsProducts

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    EasypaisaEasypaisa PerformanceSummaryPerformanceSummary

    KeyHighlights:

    Transactions:9millin2010&30mill in2011

    BestMobileMoneyTransferoftheYearbyMMTin2010

    2nd fastestgrowing

    BB

    service

    2years

    after

    launch

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    PotentialofBranchlessBankingPotentialofBranchlessBanking

    35%ofadultpopulationcouldbeMFSusersby2020,reducingnumberofunbanked20%by2020andincreasingfinancialinclusionto41%

    Note:BaselineoffinancialinclusionassuminggrowingwithGDP/FIratioasdevelopedbyWorldBank/Honohan(2008),adjustedtopeercountriesSource:AsiaDevelopmentBank;AxcoInsuranceMarketInformation;CGAP;FDIC;IFC;GSMA;Honohan(2008):MixMarket.org;World Bank;BCGAnalysis

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    KeysuccessfactorsforsuccessfulMFSKeysuccessfactorsforsuccessfulMFS

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    THANKYOU

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    BackupSlidesBackupSlides

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    BBextendsreachofconventionalbankingBBextendsreachofconventionalbanking

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    AttractivevaluepropositionsforallpartiesAttractivevaluepropositionsforallparties

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    OverOverthetheCounter(OTC)ChannelCounter(OTC)Channel

    Customersdont

    have

    to

    perform

    transaction

    themselves

    Welltrainedmerchantsassistthembyperformingtransactionontheirbehalf

    Asolutionforlowliteracylevels

    AssistedService

    customergrowth

    by

    tapping

    into

    100%

    of

    the

    market

    GrowchannelconfidenceandtrustChicken

    and

    Egg

    Trap

    ShiftsatisfiedcustomerstoownnetworkthroughMWalletLaddercustomersto

    MobileWallet

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    MobileAccountChannelMobileAccountChannel

    easypaisaMobileAccountsarevirtual

    BankAccountsopenedforTelenor

    subscribers.

    Usersonly

    have

    to

    go

    to

    aMerchant

    to

    DepositCashorWithdrawCash.All

    otherservicescanbeaccessedonthe

    usersmobilephoneatanytime