India Focus Note 29: Potential for E-/M-Banking Enabled Migrant Remittances
This note examines harnessing technology to optimise the delivery of remittance services – particularly for banks. It assesses the challenges for banks with the growing use of their core banking systems as a vehicle for remittances, and how they might transform these challenges into opportunities through using Banking Correspondents and e-/m-banking.
India Focus Note 24: Making Business Correspondence Work in India
This note summarises the findings of a 3-month project by MicroSave India to clarify prospects for a sound business model for Banking Correspondent operators under the current regulations.
E/M-Banking Booklet
The E/M-Banking Booklet is the first publication under the Optimising Performance and Efficiency (OPE) Series. The OPE Series brings together key insights and ideas on specific topics, with clear objective of providing microfinance practitioners with practical and actionable advice.
Briefing Note 74 - Managing Agent Networks to Optimise E- and M-Banking Systems (2/2)
There is growing recognition that effectively managing agents is key to the success of e-banking and indeed m-banking systems. There is growing literature on the functioning of agent networks and strategies to get the best out of them.
Briefing Note 73 - Managing Agent Networks to Optimise E- and M-Banking Systems (1/2)
There is growing recognition that effectively managing agents is key to the success of e-banking and indeed m-banking systems. There is growing literature on the functioning of agent networks and strategies to get the best out of them. This note examines some of the international experience using the “8Ps of marketing” as a framework – focusing on the first 3Ps: Product, Price and Process.
Briefing Note 71 - Creating a Tipping Point for Mobile Phone-based Financial Services
The note examines why the take-up of m-banking services has often been slower than anticipated, and highlights the importance of financial education programmes.
Briefing Note 70 - Pilot and Rollout Issues for Mobile Phone Banking Services
This note explains about strategies and provides guidance in handling the challenges and issues concerning institutional issues; regulatory & compliance issues; monitoring and feedback from customers and merchants during pilot test and rollout; partnership support and coordination in pilot testing and rolling out mobile phone banking services.
Briefing Note 69 - Incentivising 3rd Party Agents to Service Bank Customers
Using 3rd party agents to service customers provides a potentially low cost distribution channel for financial service providers. Noting the two basic models being followed - branchless banking servicing and mobile commerce provider models - this note examines the key factors that affect the willingness of the agents to provide m-banking services.
Briefing Note 68 - The Role of Partnerships and Strategic Alliances to Promote Mobile Phone Banking at the Bottom of the Pyramid
This note looks at the role of partnerships and alliances in m-banking, drawing some of the existing examples represented at the MicroSave-CGAP M-banking Dialogue held in 2008. It examines the importance and the different configurations/types of partnerships necessary to bring mass m-banking to the low income market, as well as the options for microfinance institutions.
Briefing Note 67 - Choosing a Mobile Phone Banking Format
During the September 2008 MicroSave-CGAP workshop in Nepal, various m-banking providers shared the use of a range of communication formats supported on GSM networks, ranging from SMS (Short Messaging Service) through to HTTPS (internet). Each format has a number of advantages and disadvantages over the other potential formats.
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