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Presentation by Matt Gamser, ACCOP, March 2013
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MSMEs and Electronic Payments
Matt GamserHead, SME Finance Forum
Advisory Committee on Corporate Payments Perugia, March 2012
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Promote and disseminate global knowledge and good practices in SME finance to accelerate financial inclusion for SMEs
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soon!
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Our TeamMatthew Gamser, [email protected]
Hourn Thy, Operations & Technical [email protected]
Nadia Afrin, KM & Web [email protected]
Minerva Kotei, Women’s Finance [email protected]
Nothando Nyathi, [email protected]
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Formal SME credit gap remains as large as ever at ~ $ 1 Trillion
Today 55-68% of formal SMEs in emerging markets are either unserved or underserved
82-86% (~ 0.8-0.9 Tn) of total credit gap of formal SMEs in emerging markets is represented by formal SMEs that already have a deposit account
But financial institutions face 6 main challenges when lending to SMEs
….. And banks need capacity to address these challenges
Myths and Opportunities #1
Myths and Opportunities #2
Myths and Opportunities # 3
And maybe all of us?
MSME and Payments
• More electronic transactions lower information costs• More electronic transactions save time and money for firms• More electronic transactions offer alternative portfolio
management options
Issues:• Payments data availability• Movable assets/secured transactions rights/regulations• Inter-operability• Financial institution capacity/awareness
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