2013/07/04 – Frankfurt - Simon Priollaud
1
PlaNet Finance provides in-depth technical assistance to the whole ecosystem of microfinance including financial actors, public sectors, telecoms, private funders…
PlaNet Finance In 2012 ….
2013/07/04 – Frankfurt - Simon Priollaud
2
PlaNet Finance mainly intervenes in Africa, Asia, Latin America and relies on a strong network of five regional platforms: West and central Africa, Middle East & North Africa, South and East Africa and Latin America
2013/07/04 – Frankfurt - Simon Priollaud
3
2013/07/04 – Frankfurt - Simon Priollaud
4
Transfers within
a same bank
Use of Mobile
Money products
“Do
it
alo
ne”
“Do
it
wit
h
them
”
“Do
it
thro
ugh
th
em”
1
4
2 3
-Scenarios “Do it alone” and “Do it through them” allow the client to conduct transfers within accounts held at a same bank ( & ) - The scenario “do it with them” not only allow the client to use MM products ( ) but also gives him the opportunity to conduct transfers from his MM account to his bank account ( ) and vice versa
2013/07/04 – Frankfurt - Simon Priollaud
5
2013/07/04 – Frankfurt - Simon Priollaud
6
2013/07/04 – Frankfurt - Simon Priollaud
7
2013/07/04 – Frankfurt - Simon Priollaud
8
2013/07/04 – Frankfurt - Simon Priollaud
9
“Traditional
” model
Innovative
model
2013/07/04 – Frankfurt - Simon Priollaud
10
Analysis Committee
Approval Follow up Collections Evaluation Promotion
Loan Pre-Approval Loan Post- Approval
Promotion is done with traditional
means
SMS campaigns Rely on intermediary)
Data collection is
done manually by loan officers
Tablets, PDAs, POS will gather data entered in a scorecard
Analysis is done by the loan officer
and supervisor
Data collected during the evaluation will be automatically evaluated
Holding of large
committees
Small committees
Loan officer visits
SMS Rely on intermediariy
Clients go to branches
Clients may repay through their mobile phones.
Trad
itio
nal
m
icro
fin
ance
In
no
vati
ve M
od
els
Utilise
tablets in
field to
optimise
capturing
Build
robust
data
warehouse
Focus on
building
expert &
then
statistical
scorecard
Enable
SACCOs
with cloud
based IT
solution
Utilise
mobile
money
solutions
for cash in
& out
Develop
mobile
banking
between
VC players
Provide
agric educ
& pricing
to farmers
on mobile
Centralise
data from
different
VC players
for scoring
2013/07/04 – Frankfurt - Simon Priollaud
11
2013/07/04 – Frankfurt - Simon Priollaud
12
5
Contacts Simon Priollaud Mobile Banking Manager [email protected]