Contact:

Vikas R Panditrao, Managing Director – Asia Pacific

vikas@mFino.com

+91 9867586859

Source :GSMA 2017

Global

Asia Pacific

Nepal • Mobile Telephone tele-density figure at 127%, • with 94 % coverage of the population,• internet penetration at 57% and on the rise

Source :GSMA 2017

Employment

Asia Pacific

Global

• Uber biggest taxi company, Don’t own any cars • Airbnb biggest hotel company, Don’t own any

property• Kodak 170,000 employees & 85% of all photo paper.

Business model disappeared due to digital photography

Disruptions

Innovation in Financial Services

Mobile

Money is central part of society Connects Cities-Cultures-people Money has been in Physical method of exchange Billions of transaction that our society generates is so

• complex, • time consuming & • expensive

Mobile Financial Services(MFS) are changing the way we • Send• Spend & • Receive money

MFS not replacement but an alternative to cash

• Expanded access : Any time, Any where & Any how • Transformed product & services• Shifting Customer relationships• Changing the way interact• Security Challenges

MFS Offers

Source :GSMA 2017

Mobile contribution to economic and social development across the world

GlobalAsia Pacific

Debit cards transactions

712 million on ATM328 million on POS

Credit cards transactions

112 million on POS

IMPS Transaction

71.8 million

UPI Transaction

4.46 millions

(Jan 2017)

MFS Success

• Cash to Digital cash & Digital cash to Cash• Collaboration between telecom players, Banks &

technology companies • Regulations

MFS business Models for Telco's and Financial Institutions (FI)

• Telco becomes FI• With a leaner business model in terms of infrastructure cost, this

model can allow for service delivery at lower price-points and find favor with low-income economies.

• Telco led approach –along with a bank partnerships or acquiring stake in a Bank • This approach is well-suited to geographies where telco

penetration and brand name is strong, and the regulations mandate a partnership with a FI for compliance.

MFS business Models for Telco's and FI’s

• Telco and FI are equal stakeholders and jointly offer MFS• Both the parties play an equal role, and bring in their core

competencies to strengthen the end offering.

• The FI is the front face for MFS and it either partners with or acquires a telco to offer MFS.• This approach is well-suited to geographies where financial

penetration is moderate to high, and the financial institution wants to extend mobile-based services, for channel extension, or to offer a superior customer experience.

• FI becoming a telco

17 point plan to end poverty, combat climate change , fight injustice & inequality by 2030.

Mobile is already contributing to all 17 SGDs in varying degree

Source :www.un.org

Opportunity is huge

Proven, Flexible and Reliable Platform for Agile Banking,

Mobile Financial Services and Commerce