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Tag: Ignacio Mas
UTL Telecom’s M-Sente (Model 4: Build on GSM airtime distributors)
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.
Jun 17, 2015
United Commercial Bank Limited (Model 3: Piece together with smaller master agents)
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.
Jun 17, 2015
MovilRed/Tranza in Colombia (Model 7: use shared agent network)
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.
Jun 17, 2015
MobiCash Bangladesh (Model 4: Build on GSM airtime distributors)
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.
Jun 16, 2015
Building big backbones for innovation
Having industry giants develop and own distribution channels can provide the scale needed for providers currently struggling to drive revenues from small margins. This blog explores ways in which providers can build big backbones for Innovation for DFS to thrive.
Jan 25, 2015
Introducing a catalogue of product functionalities and innovations in mobile money
How diverse are the offerings of mobile money platforms? How much product experimentation is going on? Is there a healthy supply of creative new product ideas? Find out here.
Mar 20, 2014