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The message is ‘mobile’

Baljeet Kaur, Chief Financial Officer, Bussan Auto Finance Private Limited

Neeraj Chhabra, Head of Products & Implementation, BNP Paribas India, Source : Statistics, Wikipedia, InternetWorlStats, GSMA Intelligence, eMarketer

Global Mobile

Users

Global Internet

Users

Internet Users

On Mobile Phone

Smart Phone

Penetration

3 Billion

Accounting

for 42 % of

global

population

1.9 Billion

Expected

Smart Phone

users in 2015

3.6 Billion

Accounting

for 51% of

global

population

52%

Internet

users are on

mobile

phones

Bussan Auto Finance India Private Limited

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Non Banking Finance Company established with a view to finance Yamaha Two Wheeler Vehicles

Joint venture between

Bussan Automotive

Singapore Pte. Ltd. &

Yamaha Motors Asia Pte. Ltd.

Shareholders:

Bussan Automotive

Singapore Pte: 90% &

Yamaha Motors Asia- 10%

Covering 343 active Yamaha

dealers as on date which is

85.11% of the total

dealerships.

Founded on April 23rd, 2007 and operational since April 2008

Asian Presence

BAF Indonesia

BAF Thailand

BAF India

.

15 Regional Offices

4 Area Offices

35 Satellites

260 Bespoke Locations

India Presence Core Business

Two Wheeler Finance

Four Wheeler Finance

Outsourcing Solutions

Loan Shield Business

Business strategy and coverage

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Regional Office

Area Office

Satellite

Spoke

Geographically

spread to meet

customer needs

throughout India

India Active Dealers BAF Coverage Coverage (%)

Total 403 343 85.11%

Product

availability

Strong tie-ups

with dealers

Customer

satisfaction &

sales increase

Sustainable captive financer

Wide coverage at earliest stage

Providing best services - disbursenment TAT

Marketing support and strong tie-ups

Relentless pursuit of most comfortable purchase

experience

Working Capital

Cycle

(a) Loan approval

(b) Documentation

Focus areas and working capital cycle

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Mission : Enrich lifestyle of India society through customer friendly and quality financial services

1. Processing

(a) Cheque warehousing

(b) Direct debit management

2. Bank Handover

(a) Banking on due date

(b) Account credit

3. Banking

Control and

visibility

Co

rpo

rate

Tre

asu

ry

Singnificant

value adds

here

Insurance premium finance

Agriculture equipment finance

Increase finance penetration

Increase credit coverage

Bank processes

Combination of solutions to suit business model

Seamless connectivity with bank

Enhanced visibility

Mobile banking : Treasury perspective

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Payment authorizations and access to reports

Collections through mobile phones

Unified payment interface continuity

Risk management information

Robust security

One of the most transformational technologies that changed the face of India is the massive

adoption of mobile phones.

Efficiency parameters

Key requirements from banks which underline a need

for increased visibility in prevailing cash management systems

Customer led developments shaping the way

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Payments Transactional

Decision Making Ban

kin

g C

ha

nn

el

Corporate

Treasury

Technology & innovation are playing a key role in how corporates grow and are supported by their transaction

banks

Corporates look at banks that are progressive and have models that are aligned with their own

Key capabilities

Secure communication channel

Realtime connectivity

Enhanced visibility

Convenience

60% Corporate treasurers have emphasized on the need for improved cash visibility

Source : Sunguard Treasury Barometer Bank Account Management

Receivables Forex

Reporting Analytics Liquidity

Why mobile ?

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34%

23%

43%

Tablet

SmartPhone

Current Handheld

Source : Aite Group

Advancements in Mobile OSs have now made them the

hotbed for innovative application development

Mobile devices are almost always accessible to individuals

and authentication methods have evolved to leverage mobile

technologies

For many people, this is the only means to access internet.

Web connectivity is mostly integrated and usable without

further gadgets

Technology is constantly evolving, improving & getting more

affordable with each passing day

It is personal - Each person has his own phone and number. It is a way of life now.

Business user’s preference

of a mobile device

Adoption of smart phones at workplace

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Productivity on the move

Preference for a single device for convenience

Younger workforce using smart phones

Phones are no longer a backup, rather a first choice

Rapidly changing landscape giving rise to the need for mobility

Mobile Banking has been on the roadmap for most banks

35%

64%

2012 2015

Smartphone emerging as a preferred tool in the workplace

Source : Capgemini Research

Generation wise usage of mobile phones

74% 66%

39%

18yrs to 30 yrs 31 yrs to 50 yrs above 50 yrs

Source : Internet search

Prediction is that the mobile web

traffic will be > desktop globally by 2017

Demand for better user experience

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3E Value Chain Matrix

Capabilities

Valu

e C

hain

Consolidated reporting

Transaction approvals

Transaction alerts

Multi-factor authentication

Single Sign On

Enriched information

Analytics

Mobile tokens

Cheque images

Interactive channel

Fraud protection

Biometrics

Established Emerging Expected

62%

57%

56%

0% 20% 40% 60%

Inadequate Products

Ease of access (Channels)

Insufficient coverage

Reasons for banks loosing corporate’s business

Source : Fixentra Research Limited

The focus is on

Productivity : Getting more done in less time

Security : Ensuring secure communication

Convenience : Real-time access to information

Barriers to mobile banking

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The most common response is ‘concerns about data security’

52%

48%

0% 10% 20% 30% 40% 50% 60%

Other reasons

Concerned about security

Addressing mobile security

Enterprise mobility management

Hardware & OS security

Biometrics & mobile tokens

Mobile web apps

Mobile banking is

more secure than online banking ?

Mobile Security Features

Application signing and certification

Application Sandboxing

Desktop level security also available

Device encryption, tracking, etc

Current trends in mobile banking

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Mobile is becoming a mainstream banking channel now

Online or mobile services are an important factor for bank selection for nearly 55% of corporate clients

77% is the proportion of banks offering mobile banking in 2013 with 25% banks looking to extend the mobile channel

Source : Capgemini Reseacrh, Finextra Global Transaction Banking Survey

Current trend shows that 56% of corporates would like to use

mobile for payment approvals . . . .

56%

42%

38%

36%

0% 10% 20% 30% 40% 50% 60%

Payment approval

Bank statements & reports

Release payment

Notifications

Source : Sun Guard Treasury Barometer – Treasury Technology

. . . . Moving to a desirable future state to provide seamless

mobile banking experience

‘Image’ Positive Pay

Convergence of Cash, Trade and FX

Biometrics authentication

Mobile tokens

Remote deposit capture

Data protection while in transit

Research also shows a definite correlation between mobile

usage and visibility with frequent usage of mobile devices

indicating a marked improvement in the overall cash visibility of

a company

Fast catching up

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Mobile Money (m-pesa, airtel money etc)

Mobile Money Transfer (IMPS etc)

Mobile Wallets (Google Wallet, Apple Pay etc)

Contactless Payments (NFC, Bluetooth based)

Mobile POS (Hardware based)

Money mobile

Google’s ‘Project Loon’

Facebook’s ‘Internet.Org’

Text/SMS based browsers

Government WiFi Initiatives

Subsidized data services

Internet for the masses

The future with mobile banking

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Cheque

Images

Realtime

Information

Mandate

Management

Immediate

Payment

Service

Analytics &

Dashboards

Payment

Initiation &

Authorisation

2 way SMS flow with

constituents that makes it

an interactive tool

Truncating mandates at

the point of pickup and

seamlessly intergrated

Remote deposit capture

will enable faster

presentment of cheques

and settlements

Big step towards financial

inclusion facilitating real

time transfer of funds

Enriched information to

compliment strategic

decision making

Single Sign On for

seamless banking

experience

14

Thank You

21 May 2015 l