NETHOPE MEMBERS LUNCH MEETING INDONESIA. Mobile Financial Services Update Jakarta, December 2013

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1 NETHOPE MEMBERS LUNCH MEETING INDONESIA Mobile Financial Services Update Jakarta, December 2013

2 Agenda Agenda Item Timing Presenter 1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 11:20 Shelley 2. Case Study: Agri- Fin Mobile by MercyCorps 11:20 12:00 Andi Ikhwan 3. Overview of e- MITRA and Branchless Banking Pilots 4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:00 12:30 Eky & Hilman 12:30 12:50 Dianne 5. Close 12:50 13:00 Shelley 2

3 Agenda Agenda Item Timing Presenter 1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 11:20 Shelley 2. Case Study: Agri- Fin Mobile by MercyCorps 11:20 12:00 Andi Ikhwan 3. Overview of e- MITRA and Branchless Banking Pilots 4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:00 12:30 Eky & Hilman 12:30 12:50 Dianne 5. Close 12:50 13:00 Shelley 3

4 OVERVIEW OF NETHOPE

5 5 NetHope Members

6 Examples of Successful Electronic Payments Implementation 6

7 e- MITRA Team Jakarta, Indonesia Washington, DC 7

8 MOBILE FINANCIAL SERVICES

9 208 mobile money deployments & growing worldwide 9 Source: hcp:// money- tracker

10 10 Electronic Payment Examples Around the World

11 Benefits of Mobile Financial Services Ability to scale Pathfinder was able to process payments for over 200 meenngs in 3 months Enable operanons to be centralized at Headquarters with less staff requirements in the field Less physical cash management No need to arrange transportanon Less security risks to staff and recipients Increased transparency and traceability Decrease opportunines for fraud Improve ability to track funds in real Nme Cost reduchon CRS reduced transacnon costs for vouchers from $5.00 to $0.60 Plan Uganda reduced training costs by 77% 11

12 NetHope members leading adophon of electronic payments and realizing value Saved US $4.40/voucher Went from 3 staff to 0 staff on site Reduced costs by 90% per training Long term savings of US $1.10/voucher 2X faster payment delivery Travel distance for payment reduced from 4 km to.9 km on average Long term savings of 31%/transaction 12

13 NetHope Resources Available Available Tools Tools and Resources and Resources Resources on the NetHope SoluNons Center Website: h^p://cloudportal.nethope.org/programs/payment- innovahon us at: Cash scoping survey Research on best practices, technology and risk management Service provider due diligence questions Costing Utility Tool Standard 0perating procedures guidance 13

14 Agenda Agenda Item Timing Presenter 1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 11:20 Shelley 2. Case Study: Agri- Fin Mobile by MercyCorps 11:20 12:00 Andi Ikhwan 3. Overview of e- MITRA and Branchless Banking Pilots 4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:00 12:30 Eky & Hilman 12:30 12:50 Dianne 5. Close 12:50 13:00 Shelley 14

15 CASE STUDY: AGRI- FIN MOBILE BY MERCYCORPS

16 Agenda Agenda Item Timing Presenter 1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 11:20 Shelley 2. Case Study: Agri- Fin Mobile by MercyCorps 11:20 12:00 Andi Ikhwan 3. Overview of e- MITRA and Branchless Banking Pilots 4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:00 12:30 Eky & Hilman 12:30 12:50 Dianne 5. Close 12:50 13:00 Shelley 16

17 OVERVIEW OF e- MITRA

e- MITRA Background G- 20 G20 commit to raise financial inclusion to the highest level in their

Maya DeclaraNon World Bank Survey Only 50 60 million Indonesians have a bank account.

considered truly financially excluded. 32.

18 e- MITRA Background G- 20 G20 commit to raise financial inclusion to the highest level in their nanonal agendas and support the design of effecnve policies, through the creanon of a high- level coordinanon pla_orm. Alliance for Financial Inclusion Indonesia: CreaNng a nanonal financial inclusion strategy with the Maya DeclaraNon World Bank Survey Only million Indonesians have a bank account. One- third of Indonesians does not save at all in the formal banking structure and can be considered truly financially excluded million Indonesians live below the nanonal poverty line USAID USAID views mobile money as a valuable tool for extending financial services to unbanked and under- banked segments of the Indonesian market and achieving broader financial inclusion objecnves. 18

19 e- MITRA IntroducHon Governance Model ESC Mobile Telephone Subscribers versus Bank Accounts in Indonesia Strategy Implementation Partner Banks and MNOs About e- MITRA a USAID funded program aiming to support further development of a robust Mobile Financial Services (MFS) ecosystem in Indonesia. 19

e- MITRA Core Offerings Technical Assistance Partnership brokering will help to broker, create and facilitate demand and supply side partnerships by encouraging cross sector alliances that match

Advisory services advisory services will be provided to the MFS sector stakeholders that are seen as crucial drivers of deployments (ConsultaNon support, Review/Audit, etc.).

Research Business Cases to understand what works and what doesn t - from the perspecnve of the poor and unbanked - with regard to MFS implementanon / development.

20 e- MITRA Core Offerings Technical Assistance Partnership brokering will help to broker, create and facilitate demand and supply side partnerships by encouraging cross sector alliances that match MFS providers with payment sources. Advisory services advisory services will be provided to the MFS sector stakeholders that are seen as crucial drivers of deployments (ConsultaNon support, Review/Audit, etc.). Consumer Demand to understand the financial needs and consumer usage of MFS amongst the poor and unbanked. Research Business Cases to understand what works and what doesn t - from the perspecnve of the poor and unbanked - with regard to MFS implementanon / development. Payment Streams To idennfy payment streams that occur on a fairly regular basis and produce a large volume of transacnons. Workshop to raise awareness of MFS to a mass audience on a number of key topics such sehng up an MFS ecosystem, agent network development, best pracnces, etc. Market Awareness Advocacy parncularly to keep BI updated and connected with private sector progress in the MFS sector. 20 Knowledge Sharing to keep the market abreast with the latest in the MFS space within Indonesia and globally.

21 e- MITRA Research Reach North Sumatera (Medan) East Kalimantan South Kalimantan Sulawesi (Ujung Pandang, Luwu, Polewali Mandar) 21 South Sumatera Jabodetabek (Jakarta, Bogor, Depok, Bekasi, Tangerang) West Java (Bandung, Cirebon) East Java (Surabaya) Nusa Tenggara Timur

22 BRANCHLESS BANKING PILOTS

23 MFS Pilot Phase Operation Model q May 15 th, 2013: Pilot project Branchless Banking, Pilot implementanon guidelines q May Nov, 2013: Pilot project implementanon Agent / UPLK * Customers * Unit Perantara Layanan Keuangan Pilot Project Areas: ü North Sumatera ü South Sumatera ü West Java ü Central Java ü East Java ü Bali ü East Kalimantan ü South Sulawesi 23

24 Bank Mandiri 24

BTPN Product features: BANKING: Savings account (with interest) Deposit/withdraw cash Send money electronically: - within the bank - to account in other banks in real time - to any handphone number

25 BTPN Product features: BANKING: Savings account (with interest) Deposit/withdraw cash Send money electronically: - within the bank - to account in other banks in real time - to any handphone number via token Inquiry balance Pay bills Emergency Loans Buy goods (retail purchase) Buy/claim Insurance VIA MOBILE* Access Code: *247# 25 PLUS: Buy airtime Closed Users Group (free sms/call within the group) m-daya (health, training, buy-sell info, agriculture) at ULTRA LOW COST btpn WOW! Lainnya Account opening Free With fee Initial deposit Free With initial deposit Minimum deposit No minimum With minimum deposit Minimum cash-out No minimum With minimum amount Admin fee Free With fee Minimum Balance No minimum With minimum balance

26 BTPN The use of Agents in BB scheme is crihcal to extend the availability of the service as well as the Trust aspect of the service REMOVE before sharing with NetHope members 26

27 XL XLTUNAI transachons cashin cashout online isi tarik belanja saldo saldo online instor e belanja di toko billing Remit tagihan & Hket kirim uang 27

XL cashin. cashout. From All Bank ATM&mBanking. MenuTransfer. 016.

28 XL cashin. cashout. From All Bank ATM&mBanking. MenuTransfer No Handphone Others Cash In Point: Agent + To all BankAccount *123*120#. Transfer to Bank Account. Bank code. Account no Others cash out point: PakTunai Agen Pulsa 28

29 Agenda Agenda Item Timing Presenter 1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 11:20 Shelley 2. Case Study: Agri- Fin Mobile by MercyCorps 11:20 12:00 Andi Ikhwan 3. Overview of e- MITRA and Branchless Banking Pilots 4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:00 12:30 Eky & Hilman 12:30 12:50 Dianne 5. Close 12:50 13:00 Shelley 29

30 ACTIVITY: MOBILE FINANCIAL SERVICES OPPORTUNITIES

31 Survey: PotenHal Mobile Financials Services OpportuniHes Name of OrganizaHon? INTRODUCTION Contact Details? ObjecHve, Vision and Mission? Focus Sector? LocaHon(s)? DuraHon? 31 How can mobile financial services help your project(s)??

32 Agenda Agenda Item Timing Presenter 1. Overview of NetHope and Mobile Financial Services IniHaHves around the world 11:00 11:20 Shelley 2. Case Study: Agri- Fin Mobile by MercyCorps 11:20 12:00 Andi Ikhwan 3. Overview of e- MITRA and Branchless Banking Pilots 4. AcHvity: Roundtable of PotenHal IniHaHves to link to Mobile Financial Services 12:00 12:30 Eky & Hilman 12:30 12:50 Dianne 5. Close 12:50 13:00 Shelley 32

33 33 Q&A

34 34 Closing Video

35 Contact Details e- MITRA Sampoerna Strategic Square South Tower 30 th Floor Jl. Jend. Sudirman Kav Jakarta, Indonesia Phone: Fax:

Bundled Branchless Banking and Loan Services for Farmers in Malang District, Indonesia SEPTEMBER 2017

Bundled Branchless Banking and Loan Services for Farmers in Malang District, Indonesia SEPTEMBER 2017 MALANG Background In 2013 the Bank of Indonesia launched a preliminary study and pilot of branchless