Postal Networks in Africa: Lessons Learned

© UPU 2015 – All rights reserved© UPU 2015 – All rights reserved

Postal Networks in Africa: - Lessons Learned

African Conference on Remittances and Postal Networks - 4 to 5 March 2015

UPU - DOT

© UPU 2015 – All rights reserved

UPU Postal Payment Vision and Strategy

• Access to efficient, reliable, secure and affordable electronicpostal payment services (660,000 post offices)

• Expand access to the UPU worldwide electronic postal paymentnetwork (WEPPN) to all Posts and other financial servicespartners (MTOs, banks, etc.)

• Focus in particular on migrants’ remittances corridors and ruralareas

• Cost-reduction (reduction of tariffs and remunerations)

• Use the UPU WEPPN as integrator

• COD, E-Commerce

• Mobile technologies for Point of Sales

and Mobile payments

• Postal Clearing & Settlement system

• Worldwide Trademark


The UPU and financial services

UN specialized agency

Technical assistance:Foster financial inclusion

Network: 660’000 post offices worldwideMost in rural areas

A technical solution: IFS

Intergovernmental treaty: the Postal Payment Services Agreement and its Regulations

Knowledge&

Advocacy


Extension of the WEPPN

• Collective trademark

• Simplification of bilateral agreements and DO relationship:

− Multilateral agreement

− Electronic Compendium

− FEIS – Electronic Inquiry System

• Quality of service standards

• Connection of the WEPPN to other networks

− Eurogiro

− Others to be connected

• Project developments:

− Designated operators

− In association with UPU Partners


• Individual DO assistance

• Regional Development Plans

• Cooperation with Designated Operators

• Cooperation with international organizations:

− International Fund for Agricultural Development (IFAD)

− International Organization for Migration (IMO)

Project developments


UPU-IFAD Project (2008/2010) - West Africa Region (I)

Creation of electronic remittance services in rural areas

• Target 6 countries:

– Benin, Burkina Faso, Mali, Mauritania, Niger and Senegal.

• Equipment purchased, installed and tested in rural post offices.

• Connection of 355 post offices to the UPU's worldwide electronic postal payment network (WEPN).

Results of UPU-IFAD project in cooperation with La Poste (France):


UPU-IFAD Project (2008/2010) - West Africa Region (II)

Creation of electronic remittance services in rural areas

• Secure postal procedures implemented in rural areas for the payment of Money Orders

• Accounting and cash management procedures set up

• + 17 corridors opened

• Traffic in 2010 increased by 104% compared with 2009.

• Tariffs reduced by 30 to 50%

Inhabitants of rural areas in West Africa can nowreceive and send money to their familymembers, without the need to travel to remotelarge towns.


Projects development in partnership with Planet Finance 2013 -

Offer migrants a safe, reliable, affordable and accessible solution to transfer money using the «Mandat Express International» (IFS).

Leverage the postal network in rural areas to sensitize to and inform rural populations (both senders and recipients of remittances) on the importance of savings and basic financial mechanisms

Foster financial inclusion by developing and offering rural populations simple financial products.

Sources * Banque Mondiale

** peoplemove.in

Postal operators of Burkina Faso, Cameroon, Côte d’Ivoire and Mali


Joint IOM-UPU-RNP (Burundi) Migration and Development initiative

Migration and Development: an integrated

postal approach

Facilitate communication

between migrants and their families

Improve remittance

services and reduce costs

Provide financial

education to migrants and their families

Facilitate access to

international markets for

local producers

Foster

financial inclusion


Beyond postal remittances:

• E-Commerce and mobile payments

• Universal Payment Gateway


Domestic money transfers

International money transfers

eCommerce payments(COMPAS)

Pre-payment, escrow Service

Clearing and settlement

Banking solutions

Mobile wallet/transfers/payments

Other networks

Card payments

Other Online Services

Electronic Customs declarations

Prohibitions & restrictions detection

Postal and transport security checks

Landed costs calculations

International mail processing

Accounting of international services

Processing of returned mail items

Financial Services

Airlines systems

Customs systems

Mail and Logistic Services

Post*Code database

Postal address validation

Global track and trace

Postal export guide

Other online publications

Global repository of postal eShops (GLORYPOSE)

Quality of service

Inquiries and claims

SME /Merchants

.po

st

Post*Net Mail - Post*Net Finance

CustomersIdentification

Post ID

Interfaces

Interfaces

IFSIPS + CDS

The UPU IT Framework

for eCommerce


Different payment options are available:

• Pay-on-delivery (or COD)

• Pay-on-purchase

• Trust-pay with COMPAS: the Posts offer escrow service to secure:

• the purchasing customer (payment is released if item is delivered)

• the selling company (parcel is released if payment is collected)

eCommerce Postal Payments


Country 1

Customer Post

Country 2

Post Business

Place order

UPU

COMPAS

Send order & costs

SendPayment ID + S10

Prepare draftpayment

Collect amount(Cash or fromaccount)

Notify“amount collected”

Inquire“amount collected?”

Handover mail item

Send mail item

Deliver mail item

Send payment

Pay business

COMPAS

eCommerce Trust-Pay service


Postal hub to link the UPU-IFS with:

• Other payment network (MTO)

• Mobile payment network (MMO)

• Banking and card payments networks

In the Post Office, it means a single window to process any payment via the IFS:

Simplify the operations for better efficiency and

better quality

Partnership development


Postal OrganizationUPUBackbone

Interfaces

IFS Technologies

Partners

MTO

MoneyTransfer

Operator

MMO

MobileMoney

Operator

Bank

CPS

CardPaymentSystem

Light (Cloud)Banking system

eWallet system

Postal

Hub

POS system

Mobile solutions

Payment Services:

Other Posts

MTOs

MMOs

Banks

CPS

Partnership development

UPU Postal Payments Hub


Thank you very much for your attention

Alexandre Rodrigues

Postal Financial Services Programme ManagerInternational Bureau Universal Postal Union

Tel: +41 31 350 3247 E-mail: [email protected]

David Avsec

PTC – Deputy DirectorAccount Relationship CoordinatorInternational Bureau Universal Postal Union

Tel: +41 31 350 3541E-mail: [email protected]

Economy & Finance

Postal Networks in Africa: Lessons Learned