“All mobile banking deployments are categorised either into bank-led and non-bank led models. Another way of looking at this is to see all of them as partnership models. In order to reach the last mile customer in underserved areas and reach scale and partnerships are inevitable. These partnerships could be between a bank, a technology provider, MNO, BC or other financial and non-financial institutions. Each partner will bring their core strength to the model.”
An expanded basket of m-banking product mix for customers and agents cannot be offered by an ANM alone. To do so, it needs to get into partnership with institutions that will offer different products. This is true for both the bank-led and the non-bank led models. Puneet Chopra, who works as an m-banking consultant at MSC talks about the importance of developing such partnerships and creating a win-win proposition for all partners. He also discusses few pit-falls of such partnerships and how these can be overcome through due-diligence and pilot-testing.
“Goulven Bescond, Project Director, Mobile Moneey at eservGLOBAL talks about the factors that are taking into consideration while developing products for its customer base.
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.
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This paper analyses the evolving nature of fraud in the provision of mobile financial services in the three phases of deployment.