Cash still rules.
43%
21%
18%
8%
3%2%
1% 1%
Cash tocash
Accountto
accountany bank
Online Cash toaccount
Accountto cash
Accountto
account -samebank
Mobile Prepaidcard
Remittance Product Types
Run
Grow
Transform
1. Mobile as
channel
2. New
business
value
beyond the
transaction
3. Extended value
using customer
profiling and
analytics
2. Enabling new value propositions
Range of need –
based use cases
2. Enabling new value propositions
3. New business value - The remittance is no longer the transaction
Currency
Deposits
Sender Utility Payments
Pay Bills
Beneficiary
Banks
Co-branded debit
card
Obtain
micro-credit
Migrants Beneficiary Households
Access
Banking
Services
Payments
Demographic
information, age,
income, life stage
Transaction
patterns,
Class of
segment
Social
groups and
networks
Personal
Identity
Three elements determine context
3. Extended
value:
Engage with
customers
3. Extended value: Engage with customers
o Recurrent transactions
o Profile customers
o Create new services
The Terra Network
One NetworkTerra
• Multiple partners in
multiple countries
Globally – One Financial
Network
• Subscribers can carry out
transactions –
remittance, commerce,
etc. – between any
partner in any country,
subject to regulatory
approval
• Supports any to any
instrument cash to bank,
bank to wallet, wallet to
bank and bank to ban ,
MNOs
MTOs
Banks
Payments
Senders Receive
rs
Money in
mWallets
Cash
Out
Merchant
Credits
Utility
Payments
Regulatory Compliance
FX Conversion
Transaction Processing
Settlements
Reporting
Cross Border
Remittances
Cross Border
Bill Payments
Travel
Forex
eCommerce
Payments
Small ticket
P2P Transactions
BUSINESS SCOPE PROGRESSION
For Customers
Easy to Access
Simple to Use
Instant Payment
24x7
Secure
For Partners
Payment Interoperability
Support for Any Carrier, Any Device
Scalable, resilient and Secure
Platform
Brand and Customer Control
Regulatory Compliance
Risk Control
Fast to Market
Integration Flexibility
Easy to Deploy
The Terra Network
Recommendations
Embed remittances into your wallet strategy
1
2
3
4
Embrace open as the new culture
Select the right partner for the necessary knowledge,
competencies and skills to execute on the digital business
strategy.
Create and nature new ecosystems
Recommended