This presentation covers the agent network build-up strategy

The presentation discussed the four major findings of proliferation, dominance, evolution and impact.

It covers key lessons learnt from the digital finance industry

UTL chose to build an agent network directly on top of its GSM network. Thus far it has registered 8,000 agents, 2,700 of which are active on a 90 day basis.

United Commercial Bank Limited (UCB) is reported to have 149 branches and 101 ATMs in Bangladesh. UCB originally wanted to build its own agent network so it could maintain a high level of control over its agents, ensuring both compliance with Bangladesh Bank regulations, and a high level of service for customers.

All banks offer Tranza a line of credit to finance the float account that Tranza must maintain with them. As the bank agency business has grown, Tranza now finds itself occasionally hitting the overall credit ceiling that a bank´s risk department sets for individual borrowers. From the beginning it sought to become a multi-bank network, and refused to grant exclusivity to any bank.

MobiCash would like to develop a dominant agent network at the national level. However the issue remains that every agent it invests in is allowed to offer direct services for any other organisation in the market.

This presentation was conducted during the launch  of our Tanzania Agent Network Accelerator report.