John Owens

Posts by John Owens

Leveraging Fintech to Achieve Financial Inclusion in Indonesia

“Fintech” – an intersection of financial services and technology – is taking the traditional financial world by storm and Indonesia is no exception.

Creating a Tipping Point for M-Banking

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.

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.

Incentivising 3rd Party Agents for M-Banking

This note examines the key factors that affect the willingness of the agents to provide m-banking services.

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.

Choosing a Mobile Phone Banking Format

This note discusses key issues faced when choosing which m-banking format to use.

POS vs. Mobile Phone as a Channel for M-Banking

This note focuses on the relative merits of the POS and the mobile phone in a branchless banking environment.