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TRANSCRIPT
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What Could be Be.er Than Cash? Electronic payments and the shi2 away from cash
in emerging markets
February 5, 2013 Dar Es Salaam, Tanzania
Introductions
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Chrissy Martin @chrissiy
Hamilton McNutt @hamiltonmcnutt
Nandini Harihareswara @nandinish
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1. Introductions
2. What is the Better Than Cash Alliance?
3. Mobile Network Operators Presentation and Q and A
4. Coffee Break
5. Pathfinder Presentation
6. Break Out Session
7. Lunch
9:00 - 9:10
10:45 - 11:00
Agenda
9:15 - 9:35
9:40 - 10:40
11:05- 11:15
11:15 - 12:15
12:15 - 1:15
Workshop Objectives
This workshop will help participants:
1. Explore the growing interest in transitioning away from cash in USAID programs and elsewhere
2. Develop a more robust understanding of the electronic payment solutions available within the Tanzanian context
3. Examine the prerequisite conditions needed for a successful transition towards the use of electronic payments, focusing on mobile money
4. Discuss and listen (from USAID Mission staff and Implementing Partners) the challenges, opportunities, and additional questions around this topic.
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5
1. Why are we here?
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It can lack transparency
It can be costly
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It can be dangerous
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It can hamper access to financial services
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It can also be the ONLY option
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Electronic Payments
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2. What is the Better Than Cash Alliance?
Website: http://www.youtube.com/watch?v=LEfb17Idcnc&feature=player_embedded
The Better Than Cash Theory of Change
Large Payment Streams
Incentives that encourage positive
regulatory environments
Increased adoption of mobile and
electronic payments
Increased market opportunities and
competition for service providers
Transition aw
ay from cash
Increased ability for the poor to have access to
financial services (financial inclusion)
Donors
Development Community
Governments
Private Sector
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3. How is USAID participating?
USAID’s Commitment to Better Than Cash
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Hortatory (encouraging) procurement
language requesting USAID
partners to conduct a suitability
analysis of the use of e-payments in
programs.
Direct Funding to the Better than Cash
Alliance
Advocacy and Leadership
Encourage the transition to electronic payments (including mobile money) in all USAID programs and operations, where
appropriate.
Developing a system to track
the usage of electronic
payments, where possible.
Incorporating e-payment usage into
project design, procurement
language with USAID partners,
and existing measurement
systems.
Developing analytical tools and
trainings to assist
partners in determining appropriate
payment platforms.
Knowledge Sharing
USAID Tools and Reference Materials
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Standards and Practices for Electronic and Mobile
Payments Reference Report
Financial Documentation guidance
Costs vs. Benefits analysis
Workshops
Continued development of business case studies
Online courses (coming)
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4. Why mobile money?
Tanzania’s Mobile Industry by the numbers
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Source: World Bank/GSMA 2011
Mobile Phones vs. Bank Accounts
20 Source: World Bank Databank
0
5000000
10000000
15000000
20000000
25000000
30000000
35000000
2004 2005 2006 2007 2008 2009 2010 2011
Mobile Telephone vs. Bank Penetration in Tanzania
Depositers with Commercial Banks Mobile Cellular Subscriptions
21.5 million
Tanzania: Bank Branches vs. Mobile Money Agents
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0
5000
10000
15000
20000
25000
30000
35000
2012
ATMs
Bank Branches
Mobile Money Agents
32,000 Interviews*
594* World Bank
Source: World Bank 2010/TDY Interviews 2012
*Projected bank branch growth
* Estimation combines agents who serve more than one MNO
1608* World Bank
Mobile Money Products Available in Tanzania?
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5. Appendix: Electronic Payment Successes
Photograph: Vanderlei Almeida/AFP/Getty Images