Shivshankar V

Shivshankar worked as a Senior Analyst, focused in the Digital Financial Services Domain of MSC.

Shivshankar worked as a Senior Analyst, focused in the Digital Financial Services Domain of MSC. He also acted as the resident expert in the Philippines for MSC.

Posts by Shivshankar V

Sustainability of BC Network Managers (BCNMs) – Business Scenarios and its Effects

This Note reveals results from analyses of three different scenarios that played out over time for one of MicroSave’s partners and how each influenced customer enrolments, transactions and revenues.

Sustainability of BC Network Managers (BCNMs) – Review of Commission Structures

The objective of this note is to present common ways banks use to compensate BCNMs for various services and provide an indication of commissions that may be relatively more rewarding.

Can Bank-led Models Really Deliver on the Promise of Mobile Money?

There is some debate about the potential profitability of mobile money solutions that are widely promoted as answer to FI. However, there are potentially important exceptions highlighted in this Note.

Sustainability of BC Network Managers (BCNMs) in India – How are BCNMs Paid?

This Note examines the different product revenue drivers based on how banks remunerate BCNMs, provides an overview on different commission calculation methods adopted by banks, and analyses different scenarios.

Relative risk to the savings of the poor in Tamil Nadu

In order to understand how poor people save and the relative risks involved, MicroSave conducted a study in three different Indian states – Rajasthan, Uttar Pradesh, and Tamil Nadu this past year. This paper focuses on Tamil Nadu.