mobile money at the bottom of the pyramid

Mobile MoneyAt

The Bottom of the Pyramid Krishan Singh

Blog: http://www.strategy-digital.co.ukLinkedIn: http://www.linkedin.com/in/singhkrishan

Twitter: @Krishaned

2.7 Billion Un-banked People

Average savings per month in

Kenya is £1.8

Un-economical for

traditional Banks

Expand the reach of Digital Financial Infrastructure

Drive Participation in the Digital Financial System

Foster Better Regulation and Policies

Source: Gates Foundation report

Theory of Change

Driving Participation in the DFS

1 Billion Mobile Phones

Opportunities To

deploy mobile based Technology

Reduce the cost of access

Meet the basic Needs

Critical Success Factors

Reduce the Cost of Access

Basic Services

Money Transfer

Merchants Payment

Technical Requirements

Support common Interfaces

Short Message Services

Smartphone Apps

IDC_smartphone_chart.pSmartphones penetration

is increasing.

Web Applications

Smart tagging for Information Exchange

High Illiteracy rate increases the risk of fraud

Bank Grade security hidden behind an Easy interface

Unified Approach For

Markets

The Market is Fragmented

Customized User Access

Impact of Convergence

Mobile Shopping Online

or In Store

Digital Wallets

Multiple Touch Points

Mobile Centric Lifestyle

Krishan SinghBlog: http://www.strategy-digital.co.uk

LinkedIn: http://www.linkedin.com/in/singhkrishanTwitter: @Krishaned