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1. IFC Mobile Money Study 2011 : Thailand

Author

International Finance Corporation

Subjects
MASS MARKET, SAVINGS BANK, CREDIT GUARANTEE, DEPOSIT, TAX CREDITS, IDENTIFICATION NUMBER, MOBILE NETWORK, CREDIT CARD, NICHE MARKET, BALANCE INQUIRIES, CASH PAYMENTS, NEW COMPANY, CREDIT UNIONS, BANK CUSTOMERS, E-PAYMENTS, FINANCIAL INFRASTRUCTURE, RECESSION, GOVERNMENT POLICY, COMPETITIVENESS, GOVERNMENT OFFICE, URBANIZATION, BANK OF THAILAND, REGULATORY ENVIRONMENT, BANK CUSTOMER, SERVICE PROVIDERS, REGULAR PAYMENTS, PAYMENT PROCESSORS, POINT-OF-SALE, BUSINESS SUCCESS, MASS TRANSIT, MEDIUM ENTERPRISES, BUSINESS DEVELOPMENT, E-BANKING, TELECOMMUNICATIONS INDUSTRY, FARMERS, EARNINGS, OUTSOURCING, MORTGAGE, PAYMENT METHODS, BANK ACCOUNTS, PENSIONS, POINT OF SALE, DEPOSITS, NEW BUSINESS, REMITTANCE, INTERNATIONAL FINANCE, BANK DEPOSITS, AUTOMATED TELLER MACHINES, VALUE CHAIN, DEBIT CARDS, SMALL BUSINESSES, BUSINESS STRATEGIES, BANKING INDUSTRY, SERVICE PROVIDER, ID, ACCESS TO FINANCIAL SERVICES, FOREIGN BANKS, BUSINESS CENTERS, SMALL BUSINESS, VILLAGE FUNDS, GOVERNMENT OFFICES, CASH MANAGEMENT, CAPABILITIES, FINANCIAL DEVICES, PROFITABILITY, FINANCIAL LITERACY, MERCHANTS, PROTOCOL, ENTREPRENEURS, COMMUNICATIONS TECHNOLOGY, MICROCREDIT, REVOLVING FUNDS, EMPLOYEE, ATM PENETRATION, BANK ACCOUNT, BUSINESS-TO-BUSINESS, CUSTOMER SERVICE, ACCESS TO ATMS, ISLAMIC BANK, START-UP, BANK CHARGES, SMALL-VALUE TRANSACTIONS, VILLAGES, KEY CHALLENGES, REGULATORY FRAMEWORK, FINANCIAL SYSTEM, EXCHANGE RATE, FINANCIAL INSTITUTIONS, BALANCE INQUIRY, TELECOMMUNICATIONS, HOUSEHOLDS, BANKING SERVICES, BUSINESS MODELS, PUBLIC TRANSPORT, BANKS, ACCESS TO ATM, MOBILE PHONE, BUSINESS TRANSACTIONS, LOAN, FIXED COSTS, SECURITIES, MICROFINANCE, COOPERATIVES, INCOME GROUPS, DEVELOPMENT BANK, SUBSIDIARY, HOUSING, CASH WITHDRAWAL, MONEY TRANSFER, TELECOMMUNICATIONS EQUIPMENT, PUBLIC TRANSPORTATION, PACKET RADIO, SMALL FARMERS, WIRELESS APPLICATION PROTOCOL, ECONOMIES OF SCALE, LAWS, DEBIT CARD, PROPRIETORSHIPS, ELECTRONIC TRANSACTION, NEW TECHNOLOGIES, ATM NETWORKS, MARKET SEGMENTS, GENDER, INITIAL INVESTMENT, BANKING SERVICE, ELECTRONIC DATA, BANKING SYSTEM, INVENTORY, ECONOMIC GROWTH, ENTREPRENEUR, SECURE PLATFORM, CUSTOMER BASE, CREDIT CARDS, ELECTRONIC PAYMENT, IDENTITY MODULE, TERRORISM, BUSINESS SECTORS, E-MONEY, EXPATRIATE, MICROFINANCE LOANS, FINANCIAL TRANSACTIONS, LICENSES, SOURCE OF INFORMATION, ANTI-MONEY LAUNDERING, PROJECT MANAGEMENT, BANK BRANCH, SAVINGS ACCOUNTS, PAYMENT TRANSACTIONS, RETAIL CONSUMER, BUSINESS NEEDS, RELIABILITY, CONSUMER PROTECTION, SMALL FARMER, CHECKING ACCOUNT, USERS, E-DOCUMENTS, ELECTRONIC WALLET, PAYMENT SYSTEM, PAYMENT SYSTEMS, INVESTMENT OPPORTUNITIES, ENTERPRISE DEVELOPMENT, WAGES, INTEROPERABILITY, SEARCH, PAYMENT SERVICES, E-PAYMENT, MOBILE ACCESS, MERCHANT, AFFILIATES, MOBILE COMMUNICATIONS, DISTRIBUTION NETWORKS, BANKING SECTOR, BUSINESS TO BUSINESS, MARKET SEGMENT, FORMAL BANKING SYSTEM, BANKING NETWORKS, INEQUALITY, MARKETING, ECONOMIC DEVELOPMENT, ACCESS TO FINANCE, CHECKING ACCOUNTS, CENTRAL BANK OF SRI LANKA, SAVINGS ACCOUNT, ACCESSIBILITY, B2B, ATM CARD, VOIP, ATM CARDS, FORMAL FINANCIAL SERVICES, ACCOUNTING, INCOME DISTRIBUTION, FINANCES, SUPERMARKET, BANK SERVICES, ELECTRONIC MONEY, REMITTANCES, USES, USER, VILLAGE, BUSINESS MODEL, LICENSE, ATM NETWORK, CELL PHONES, INSURANCE, SUPPLY CHAIN, BUSINESS STRATEGY, JOINT VENTURE, PACKET RADIO SERVICE, MIGRATION, MICROFINANCE INSTITUTIONS, BANK BRANCHES, INTERNATIONAL LAW, FINANCIAL ACCESS, COMMERCIAL BANKS, MANAGEMENT ACCOUNTING, NEW ENTRANTS, MATERIAL, BUSINESS OWNER, BUSINESS INPUTS, TELECOM, RECEIPTS, ELECTRONIC WALLETS, CASH WITHDRAWALS, FINANCE COMPANIES, SAVINGS, ELECTRONIC COMMERCE, OUTREACH, QUERIES, ICT, CONSUMER GOODS, REFUGEES, URBAN AREAS, FORMAL BANKING, AGRICULTURAL COOPERATIVES, CASH PAYMENT, INTERNAL BUSINESS, ADVISORY SERVICES
Abstract

Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing banking clients, and being a means for realizing a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information on Thailand regarding five main topics, business models, money flows and demand, potential user perceptions and behavior, regulation, and agent networks.

Published
2011

2. IFC Mobile Money Study 2011 : Sri Lanka

Author

International Finance Corporation

Subjects
MASS MARKET, PERMANENT MAILING ADDRESS, SAVINGS BANK, CURRENT ACCOUNTS, SOURCE OF FUNDS, DEPOSIT, ATMS, BLACK MARKET, BROAD ACCESS, CREDIT CARD, BALANCE INQUIRIES, CASH PAYMENTS, NEW COMPANY, E-PAYMENTS, NONBANKS, PENETRATION RATE, INCOME, ADVERTISING, ACCESS TO BANK ACCOUNTS, URBANIZATION, BANK OF THAILAND, REGULATORY ENVIRONMENT, GOVERNMENT PENSION, REGULAR PAYMENTS, POINT-OF-SALE, MASS TRANSIT, MEDIUM ENTERPRISES, BUSINESS DEVELOPMENT, DEVELOPMENT BANKS, CALL CENTER, EARNINGS, BANK ACCOUNTS, RESPONSIBILITIES, WEB SITES, INCOMES, METROPOLITAN AREAS, POINT OF SALE, DEPOSITS, NEW BUSINESS, REMITTANCE, SOCIOECONOMIC DATA, INTERNATIONAL FINANCE, VARIABLE COSTS, AUTOMATED TELLER MACHINES, BANKING FEES, DEBIT CARDS, SMALL BUSINESSES, RETAIL SAVINGS, BANKING INDUSTRY, SERVICE PROVIDER, STATE BANKS, TRANSACTION FEE, ID, MICROFINANCE INSTITUTION, ACCESS TO FINANCIAL SERVICES, MARKETING STRATEGY, TRADITIONAL BANKING, SPECIALIZED BANKS, FINANCIAL SERVICES, ACCOUNT HOLDERS, FINANCIAL LITERACY, MERCHANTS, CONSUMERS, MONEY ORDERS, MICROCREDIT, EMPLOYEE, ATM PENETRATION, BANK ACCOUNT, REGISTRATION PROCESS, AUDITS, INFORMAL LOANS, WHITE-COLLAR WORKERS, KNOWLEDGE LEVELS, PREMIUM RATE, START-UP, FORMAL FINANCIAL SECTOR, BANK CHARGES, MONTHLY INCOME, AVERAGE EXCHANGE RATE, BARRIERS TO ENTRY, FINANCIAL POSITION, MONIES, REGULATORY FRAMEWORK, FINANCIAL SYSTEM, LIABILITY, FINANCIAL INSTITUTIONS, BALANCE INQUIRY, ECONOMIC ACTIVITIES, MONTHLY PAYMENTS, HOUSEHOLDS, BANKING SERVICES, BUSINESS MODELS, MEDICAL BILL, PUBLIC TRANSPORT, BANKS, CONSUMER, UNION, MARKETING EFFORT, MOBILE PHONE, LOAN, RISK PROFILE, SECURITIES, MARKET SHARE, MICROFINANCE, INCOME GROUPS, DEVELOPMENT BANK, BUSINESS OPPORTUNITIES, MONEY ORDER, SUBSIDIARY, ADVERTISEMENTS, CASH WITHDRAWAL, MONEY TRANSFER, SOCIOECONOMIC BACKGROUNDS, CREDIT CARD COMPANY, TELECOMMUNICATIONS EQUIPMENT, PENSION ACCOUNTS, SMALL FARMERS, STARTUP CAPITAL, DEBIT CARD, START-UP CAPITAL, FAMILY BANK ACCOUNTS, DEPOSITORS, MASS MEDIA, SMART CARD, CREDIT CARD PAYMENT, GOVERNMENT PENSIONS, LACK OF AWARENESS, NEW TECHNOLOGIES, MARKET SEGMENTS, CREDIT MARKET, GENDER, SUPPLY CHAIN MANAGEMENT, TRANSACTION, BANKING SERVICE, LABOR FORCE SURVEY, SOCIAL WELFARE, FINANCIAL DATA, BANKING SYSTEM, EDUCATION LEVELS, SMART CARDS, FAMILIES, CUSTOMER BASE, CREDIT CARDS, DEPRECIATION, ELECTRONIC PAYMENT, LIVING STANDARD, FINANCIAL SECTOR, ACQUISITION COSTS, STAKEHOLDERS, MONEY SOLUTION, SALE, LICENSES, SOURCE OF INFORMATION, BANK BRANCH, LOAN PAYMENTS, REGIONAL DEVELOPMENT BANKS, SAVINGS ACCOUNTS, RELIABILITY, BUSINESS OPPORTUNITY, INFORMATION SERVICES, USERS, ACQUISITION COST, GOVERNMENT BANKS, PAYMENT SYSTEMS, CREDIT CARD USE, PAYMENT SERVICES, RETAIL BANKING, MOBILE ACCESS, MAJOR BANKS, TELLERS, MERCHANT, AFFILIATES, TRANSACTIONS COST, BANKING SECTOR, E-GOVERNMENT, LEVEL OF EDUCATION, CAPITAL ADEQUACY, UTILITY BILL, INEQUALITY, MARKETING, ECONOMIC DEVELOPMENT, FINANCIAL PRODUCTS, ACCESS TO FINANCE, CHECKING ACCOUNTS, INVESTMENT ADVICE, INCOME GROUP, CENTRAL BANK OF SRI LANKA, ELECTRONIC ACCOUNTS, PURCHASES, SAVINGS ACCOUNT, INSURANCE PREMIUM, FORMAL FINANCIAL SERVICES, COMMERCIAL BANK, PRINT MEDIA, SALARY, BANK SERVICES, REMITTANCES, REPAYMENTS, LOW COST, USER, PROBABILITY, BUSINESS MODEL, CELL PHONES, INSURANCE, SUPPLY CHAIN, CONSUMER FINANCE, CURRENT ACCOUNT, MIGRATION, FINANCIAL INTEREST, MICROFINANCE INSTITUTIONS, BANK BRANCHES, TRANSACTIONAL ACCOUNTS, INTERNATIONAL LAW, FINANCIAL ACCESS, LEGISLATION, COMMERCIAL BANKS, MONEY MARKET, NEW ENTRANTS, MATERIAL, EXPATRIATES, MICROINSURANCE, LOAN REQUESTS, SOCIAL WELFARE PROGRAM, LEVEL OF KNOWLEDGE, CASH WITHDRAWALS, IDENTITY DOCUMENTS, LABOR FORCE, SAVINGS, UTILITY BILLS, ADB, MARKET SHARES, OUTREACH, QUERIES, ATM, URBAN AREAS, DEPOSIT BALANCE, ADVISORY SERVICES
Abstract

Sri Lanka's population is still largely rural, nearly 85 percent lives outside of cities. There will probably be rural-to-urban migration in the future, which represents a potential opportunity to m-money providers. People working in cities often wish to repatriate their savings to their rural families conveniently and at a low cost. Income is fairly evenly spread across Sri Lanka s provinces, with the exception of the Western Province where Colombo, the largest city, is situated. Its GDP per capita places Sri Lanka near the average of comparable Southeast Asian countries. Malaysia is clearly an outlier with a considerably higher GDP per capita, but Sri Lanka s GDP is higher than that of the Philippines, where m-money has taken off dramatically. Poverty is less of a problem in Sri Lanka relative to countries like Bangladesh or Cambodia, where GDP per capita is much lower. The key point is that Sri Lanka is at a different stage in its economic development and is unlikely to have the same socioeconomic conditions that made m-money in Kenya accelerate so rapidly.

Published
2011

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