“Goulven Bescond, Project Director, Mobile Moneey at eservGLOBAL talks about the factors that are taking into consideration while developing products for its customer base.
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Sources of funding and support system for value chain finance: Lessons from Asia
This paper is based on the premise that the role of funding is paramount to achieve growth in the agricultural sector and thus help in poverty alleviation. The paper analyses the sources of funding and support systems for agricultural value chain finance in Asia and presents a comparative analyses of various approaches for financing.
Agricultural finance for sustainable development, expanding agricultural market opportunities & promotion of disadvantaged small farmers and MSMEs
This paper analyses the role of financing in the sustainable development of agriculture with a focus on disadvantaged farmers and MSMEs. Apart from agriculture finance, which is touched upon, this paper focusses on agriculture value chain finance and its benefits for smallholders as also for MSMEs.
Fraud in mobile financial services
This paper analyses the evolving nature of fraud in the provision of mobile financial services in the three phases of deployment.
Can MNOs Lead the Way for Banking the Excluded? (2 of 2)
“The previous Focus Note 99 “”Can MNOs Lead the Way for Banking the Excluded? (1 of 2)”” discussed the differentiating capabilities of MNOs that could help them attain leadership in electronic or mobile-banking (e/m-banking). There are, however, several challenges and barriers that Indian MNOs would need to surmount. These challenges are discussed in detail and include: India’s large and fragmented market; the nature of customer relationships and channel readiness; the hurdles to achieving a compelling proposition for the agent network as a channel; and the emerging digital alternatives to mobile money in India.
The next few years are likely to witness consolidation in the financial inclusion space, with exit or acquisition of smaller entities, as MNOs and other large corporates expand their presence and scale. One can also expect greater convergence of the mobile and banking sectors, and enhanced collaboration. It is too early to assess who will eventually emerge as the winner!”
Can MNOs Lead the Way for Banking the Excluded? (1 of 2)
There has been much debate over the limited success of the business correspondence (BC) model in providing meaningful access to financial services to the poor in India. One common argument is that mobile network operator (MNO)-led mobile-money models have been more successful than bank-led models in several parts of the world. Could MNOs emerge winners in India too? This Note, and the next in the series, examine how well MNOs are positioned to provide banking services, and what challenges and barriers they would face in the battle to emerge victorious.