Post on 14-Jul-2015
Powered by BelCash July 2010
Savings Loans
Transactions ( Load – Withdraw – Transfer to another account)
Day 1 - Addis only at the main office
Day 2 - Covering the territory – Opening new branches
Savings Loans
Transactions
Savings Loans
Transactions
Savings Loans
Transactions
Location 2 Location 3
Main office
Cost 2.000.000 BIRR
Day 3 - Interconnecting the branches and the main office
Savings Loans
Transactions
Savings Loans
Transactions
Location 2 Location 3
Main office
Day 4 - Who are our customers
Day 4 - Who are our competitors
25 % of the Population
Coming soon
Day 4 - Who are our competitors
25 % of the Population
Coming soon
Day 6 - Improving your services ( via the traditional ways )
With ATM’s bring the access points close to the end users.
Purchase via POS and make sure that the money remains in the bank.
Traditional mobile banking – remittance and pay bill in the country.
Traditional online banking – remittance and pay bill.
1 %
1 %
60 %
1 %
2015
Day 6 - What does it improve for the bank
More Liquidity - Yes
More transactions – Yes
Improve his Database of customers – Probably
Increase his benefit – Linked to the state of the competion and
the volume of investment
25 %
One step ahead
100 %
Market coverage
The BelCa$h Solution
• The new way of Mobile Banking
25 %
Bring them in
From an Underbanked
To a banked society
75 %
Micro transfer Micro remittanceMicro loansMicro savings
Day 7 - What does we bring them
Receive money from abroadBill payment Bill payment from abroadOnline – Mobile purchasing or selling
Give people the tools to be part of the Next Economy
Increase customer database ( 4 times minimum) Increase liquidity Increase transactions
Day 7 - What does it bring you
Make Ethiopia a banked society
and enhance Profit
It is a Walk In solution Withdrawing or loading money can be done via any merchant at the corner of the streetCan be accessed with any mobile phone You can transfer money to anyone Incredible level of conveniency
Day 7 - Why should customers use BelCash Solutions
Day 7 - Architecture
BelCash Platform
Core Banking platform
Day 7 - Example of Virtual POS&ATM
Bank
- 100 Birr
+ 100 Birr
100 Birr
Merchant
Customer
12
3
Liquidity goes from the street to the bank Transactions are taking place
Day 7 - Example of Virtual POS&ATM
=
=
Traditional way BelCash way Hardcore Virtual
Day 7 - Conclusion
1/ Use the existing infrastructure Mobile Phones - Merchants (ETC Model TOP UP Model)
2/ Add merchants to the existing ATM&POS Network has Virtual ATM&POS
Cover all the territory Bring cash from the merchant back to the bank and increase liquidity
3/ Use the mobile has a debit card (we provide the same level of security);
4/ Integrate in T24 or Flexcube only the consumers who have reach specific requirements to avoid extra licenses Fees;
5/ Share your network with other banks;
6/ Start to export your services to Ethiopians abroad send money pay bill.
Day 8 - Virtual Offices in 60 Countries
NL +31 20 8004931
US +1 516 8333361
UK +44 164 208884
CANADA +514 4002665
GERMANY +49 652 600451
CHINA +86 201 84931008
JAPAN +87 495 91642