Maybelle M. Santos Financial Services Smart Communications, Inc.

Transcription

1 Maybelle M. Santos Financial Services Smart Communications, Inc.

2 A wholly owned subsidiary of PLDT. Serving 45.3M mobile phone subscribers and 1.2M wireless broadband internet subscribers as of end Jan Pioneering mcommerce since 2000 (Smart Money was launched in 2000). Banking and Regulatory Body Oriented Solutions. Largest & robust mcommerce play Millions transactions/day. Innovative & Relevant Community Solutions which have won global awards.

3 2009 Asia Mobile Awards (GSMA) Best Mobile Money Service Winner of the Mobile Money for the Unbanked Award 2008 Awardee in the World Business and Development Awards (UNDP MDG) 2003 Winner in the 4 th Annual Intelligentzo Awards 2001 Most Innovative GSM Wireless Service for Customers (GSMA ) 2001 Most Innovative Service (Mastercard)

4 92.2 Million total Philippine Population* 14% Smart MNO #1 MNO # Million total mobile subscriber base* 31% 55% 72% of total population - D/E Social Class** Work Trading Services Backyard Manufacturing Livestock Crop production 45.3 Million Smart subscriber base 1% 99% Prepaid Postpaid

5 Mobile Banking Service enabling bank account holders to access their bank accounts Smart Money the world s first mobile enabled cash card

6 Smart Money and Mobile Banking SERVICE SMART MONEY MOBILE BANKING SMART Engine Financial Services Mobile Banking Key Service User Segments Partners Source of Fund Host System Revenue Sources Enables e-wallet transfer between SMART Money accounts Banked and un-banked Corporations and Institutions Banks and Bank Networks MIMOs, MFIs, Corporations Reloaded from designated fund sources Part of SMART Finance Services Infrastructure Transaction Fees, Float Share Airtime/VAS Clicks Enables mobile banking of Bank account holders Banked Corporations and Institutions Banks and Bank Networks CA/SA account view Belongs to Bank; connection to SMART Network via SMART Gateway Airtime/VAS Clicks

7 Launch Date 2000 Registered Accts 1,000,000 Active Users NA Bank data Number of Banks 16 Via Consortia/Direct Merchants (Mastercard) Number of MIMOs Agents Smart Wireless Centers Banco de Oro Branches ATM + MIMOs Intl Remco POPs (Remco + Banks) Intl Remittance Countries Increase in Monthly ARPU ,500,000 2,500, ,000,000 4, K ++ 95, %

8 AVAILABLE TRANSACTIONS Balance Inquiry - M Fund Transfer - M Reload Prepaid Services - M Bills Payment - M Last 3 transactions - M Change PIN M Balance Inquiry - M+ATM Fund Transfer M Reload Prepaid Services M+ATM Bills Payment - M Reload Smart Money - M Money Out Through MIMO Centers SAFE, SECURE AND RELIABLE BSP Circular 269 Compliant Menu-based transactions Security modules built into the SIM SIM encrypted BSP Circular 269, 706, 704 Compliant Menu-based transactions Security modules built into the SIM SIM encrypted

9 Access Points Channels Control Mobile Bank Branches Activated ATMS Mobile with STK embedded SIM menu Smart Money ATM/Mastercard standards ATMs - pins MIMO Branches registered & certified Actvations Mobile Mobile + Bank OTC Mobile and Account Type Driven setup Face to Face KYC with Smart Ee (New) Face to Face KYC w/ Registered Agent Fulfillment Access to Bank Account Payments from Bank Account Mobile P2P Transfers - Limits Base on Account Type Reload/Money Money In from Bank Accounts Money Out via Agents or ATMs - registered & pins

10 Control, Compliance & Reporting for Smart Money Anchor Data source Product and Account Types Consumer Trade Payroll Remittance BoP** Virtual Transaction Types Money In Transfer Purchase Money Out Filter Fields Thresholds Business Rules FILTERING CRITERIA PROFILING & ANALYSIS CRITERIA Usage Pattern Nature of Txn Account Profile Analysis daily per account Nature of Transactions Business Rules Compliance Account Profile Account Correlation Time Interval Fund Movement Location ** Usage Pattern Consistency Reporting Automated reporting to BSP - AMLC for positive accounts Trade accounts reporting to BDO for report to AMLC

11 Business Models & Issues Around Issuing Accounts EMI or EMNSP, bank or MNO led Acquiring Merchants /Billers direct or 3 rd party Activating Agents - direct or aggregator Consumer Experience SMS, STK, VPN, Online Widgets Operational Approach In- House Outsourced to 3 rd Party Market Conditions Consistency or Inefficiencies in User Experiences Fulfillment - Agent Experiences Network Availability MNO rating/rank Market Penetration Subscriber Base + Active Mobile Money Users

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13 Smart Mobile Commerce and BoP Programs Exposure for the BSP Microfinance Committee/Working Group

14 Hapinoy and Islands Activation Program Exposure for GSMA Foundation Representatives

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16 Smart Money Program Immersion with IAP Partners Seed Microfinance and FCCT Cebu for Central Bank Officials of Guatemala and Equador

17 Maybelle M. Santos Financial Services Smart Communications, Inc.