Current future trends for rural banks to consider in providing greater access to banking services

Factors Affecting Banks

Rural Banks

Changing Markets

Increasing Competitio

New Technologies

Inclusive Regulations

Wider Consumer Choices

Multiple Borrowings & Over-Indebtedness

Interest Rate Transparency

RBAP Pricing Transparency Workshops for Visayas Rural Banks

Mar 13-14 Cebu

Mar 21 RBAP

April 10 RBAP

April 20 Iloilo City

April 25 Cagayan de Oro City

May 5 Bacolod

May 11 RBAP

More Discriminating Clients

Microinsurance

ATM Cards

Addressing the Needs of your Market

TRADITIONAL NEW

Inclusive Regulations Enabling Greater Outreach

Micro Banking Offices

More micro loan products(Housing Microfinance, Micro Agri)

Microsavings products

Microinsurance

Branchless BankingMobile E-Money Cash Card ATM Debit Card

Micro Deposits

New Technologies & Channels

The rise of Mobile Banking Apps

Mobile Money PlatformsMobile Money Platforms

Today, Rural Banks Can Offer the Following Today, Rural Banks Can Offer the Following Mobile Phone Banking Services…Mobile Phone Banking Services…

Card-based ATM Banking

Use of Third-Party Networks

Rural Bank Responses Market trend responses

o Product diversificationo Customer retention programso Introduce payment services

Competitive responseso Use MBOso Introduce micro-deposits & mobile money

transfer to ‘up-sell’ other products/servicesUse third-party networks to outsource KYC &

market bank services

Rural Bank ResponsesNew Technology Adoption

Deploy Cash/Debit Card Mobile Phone Banking “Agent” Channels Upgrade Core Banking Solutions Utilize the Power of Social Networks

T hings to watch out ...

2. 31. Outreach

2. Competition3. Efficiency4

Example of Crowdsourcing

Answers from the Experts

M a r a mingS a l a m a t!!!

EMAIL: jowens@rbapmabs.orgTWITTER: @jvowens

Websites:www.rbapmabs.org

www.mobilephonebanking.rbap.orgmicroinsurance.rbap.org

www.youtube.com/rbapmabsFacebook:MABS Phil

Current future trends for rural banks to consider in providing greater access to banking services

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Transcript of Current future trends for rural banks to consider in providing greater access to banking services

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Current future trends for rural banks to consider in providing greater access to banking services

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