Mobilizing savings in Zimbabwe Mahindra Comviva, March 2014
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1 Mobilizing savings in Zimbabwe Mahindra Comviva, March 2014 Copyright 2014 Comviva Technologies Limited. All rights reserved. 1
2 EcoCash $ave Copyright 2014 Comviva Technologies Limited. All rights reserved. 2
3 Performance snapshot Service launched on October 9, million registered customers in 4 months, compared to 0.69 million depositors in all commercial banks 12% of Econet Wireless customers have registered for the service 32% of EcoCash customers have registered for the service 149% increase in number of depositors per 1000 adults from 87 to 217 EcoCash $ave is available to 9 million Econet Wireless customers, representing 69% of the total adult population 121% increase in EcoCash payroll transactions between October 2013 and January 2014 Source: Econet Wireless 3
4 Zimbabwe financial landscape Financial landscape Zimbabwe 40% 10% 12% 14% 24% US$ billion Gross national savings 37% % 15% 19% 22% 15% % 7% 28% % 13% 40% 30% 20% 10% 0% Percentage Financially excluded Adults with bank account Use informal financial services Use non-bank formal financial services Ex-banked using informal financial services Gross national savings (US$ billion) Gross national savings as % of GDP Zimbabwe has one of the lowest gross national savings in Africa 81% decline in number of depositors with commercial banks between 2004 and 2012 Deposits are predominantly short-term in nature million Zimbabwe number of depositors with Zimbabwe savings deposits (US$ million) commercial banks (million) US$ million Commercial banks Building socities POSB Source: Gross national savings estimate data from IMF world economic outlook database, no. of depositors IMF FAS, Banking Sector deposits December 2013 Reserve Bank of Zimbabwe, Financial landscape Zimbabwe: GSMA EcoCash case study
5 Barriers to formal savings Zimbabwe savings profile of people (% of adult (15+) population) Do not save, 31% Save at banks, 17% Save at non-bank formal financial institutions, 9% Save at home, 27% Save using informal mechanisms, 16% Poor banking infrastructure Tedious account opening process High operating cost Poor returns on low savings 541 commercial bank branches (1.45 per 1000 km 2 ) and 347 ATMs (0.97 per 1000 km 2 ) 3 documents (identity proof, residence proof, income proof) and US$ 100 required to open a bank account Customers need to maintain a minimum balance of US$ 100 and pay maintenance fee (US$ 5) monthly to operate a bank account No interest on deposits of less than US$ 800 People, especially in rural areas, have to travel for 1 to 4 hours to reach nearest bank branch For 84% population working in the informal sector producing an income proof is difficult 72.3% of the population (9.5 million people) earn approx. US$ 3.6 per day cannot afford to spend 13% of their annual salary to operate a bank account US$ 696 is the average balance per customer in savings account most customers do not earn any interest Source: Zimstat finscope financial survey 2011, IMF FAS 2012, Websites of Banks in Zimbabwe, world Bank, GSMA EcoCash study 5
6 EcoCash $ave Mobilizes savings EcoCash $ave is an easy to use micro-savings product targeted at 3.3 million EcoCash customers Service launched by Zimbabwe s largest operator Econet Wireless in partnership with Steward Bank EcoCash customer do not need to submit any documentation to open an account Non-EcoCash customers need to register for the service before opening a savings account Single click money transfer from EcoCash to EcoCash $ave account Daily transaction limit of US$ 1,000 Number of depositors Commercial Banks 686,680 (total for all commercial banks) EcoCash $ave 900,000 Account opening fee US$ 100 US$ 0 Number of documents required 3 (identity proof, residence proof, income proof) 0 (for existing EcoCash user) Monthly maintenance fee Minimum balance required to get interest Average interest on US$ 100 US$ 5 US$ 0 US$ 800 US$ 1 2% 4%* Simple 6 step process to open and use EcoCash $ave account Source: Econet, bank, Websites of Banks in Zimbabwe *Interest is calculated daily and credited at end of each month 6
7 Targets a wide customer demographic Low income unbanked population Self employed professionals Enterprises 9.5M people or 72.3% of Zimbabwe s population earn approx. US$ 3.6 per day Small size of savings and high costs to open and maintain a bank account restrict low income segments from saving in banks EcoCash mobilizes micro-savings from low income population into formal banking system by allowing customers to save and earn interest amounts as low as U$1 72% of SME business owners save primarily at home using informal mechanisms. EcoCash $ave enables SMEs to save their money in a simple low cost savings account and earn interest 6 million people in Zimbabwe receive salary in cash EcoCash allows employers to use EcoCash $ave for paying salaries A construction company for instance that pays weekly wages can use EcoCash Payroll to pay weekly wages into employees EcoCash $ave accounts Source: EcoCash press release, World Bank, Zimstat poverty income consumption and expenditure survey 2011/12 7
8 Designed to retain money in an electronic format Agents Wallet to bank transfer Deposit/EcoCash to EcoCash $ave transfer Pay salary Employers Banks Bank to wallet transfer EcoCash wallet Withdrawal/EcoCash $ave to EcoCash transfer EcoCash $ave account Utilities / merchants Utility/merchant payment Launched payroll services that allows companies to transfer salary directly to EcoCash $ave account Integrated banking product improves product utility and encourages higher usage 8
9 Aggressive marketing to drive service uptake EcoCash receives 45% of total marketing budget outlay Focus on educational messages stressing on importance of micro-savings and simple process to open an EcoCash $ave account Freebies to drive service registration US$ 400,000 to be distributed in call-toaction promotion 9
10 Results and customer feedback Registered customers (million) EcoCash $ave registered customers 22% 30% 31% 32% Oct-13 Nov-13 Dec-14 Jan-14 40% 30% 20% 10% 0% EcoCash $ave as a % of EcoCash customers Mobilizes deposits from 1.04 million customers compared to 0.69 million depositors in all commercial banks 20% increase in monthly float EcoCash $ave regsitered customers (million) EcoCash Save customers as a % of EcoCash customers Conference Maminya, Market Vendor: Before EcoCash $ave I used to take my money home with me. But then I was always afraid of getting robbed and my money was also being spend impulsively. But when EcoCash $ave came I realized that I can now keep my money secure Talkmore Ndavatya, Gardner: I had grown weary of digging my money underground in a clay pot where it earned no interest. Thanks to EcoCash I finally opened an account without a payslip. You can actually save money and earn interest Source: Econet Wireless Auxillia Chirairo: No one in my family ever had a bank account. I am actually the first to open one. Now I save the money that I earn from the small jobs that I get right here in my phone while I earn interest v=cetcxs58kjg 10
11 Evolve to offer loans and time deposits EcoCash Credit EcoCash $ave+ EcoCash $ave Q Q $ Launched EcoCash $ave micro-savings product Q Offer term deposits and commitment saving products Extend short-term and long-term loan products 11
12 EcoCash $ave App Copyright 2014 Comviva Technologies Limited. All rights reserved. 12
13 Account registration *151*200# Welcome to EcoCash. Please enter your PIN **** EcoCash menu 1. Airtime top-up 2. Pay Merchant 3. Cash-out 4. Send Money 5. Pay Bill 6. EcoCash $ave 7. Banking services 8. Wallet services 6 Type *151*200# Press answer to enter the PIN Enter PIN Press answer to enter your choice Enter 6 to select EcoCash $ave Your request for opening EcoCash $ave account is in process, you will receive SMS confirmagon soon Response message 1 Enter 1 to confirm opening of savings account Please confirm your registragon with EcoCash $ave. T&C applies. Please visit Steward Bank or EcoCash agents to read T&C. Press 1 to confirm Press answer to enter your choice 1 Enter 1 to open savings account EcoCash $ave menu 1. Open savings account 2. Transfer to savings 3. Withdraw from savings 4. Check balance 5. Mini statement 6. Close savings account Press answer to enter your choice 13
14 Account withdrawal EcoCash menu 1. Airtime top-up 2. Pay Merchant 3. Cash-out 4. Send Money 5. Pay Bill 6. EcoCash $ave 7. Banking services 8. Wallet services Press answer to enter your choice 6 Enter 6 to select EcoCash $ave EcoCash $ave menu 1. Open savings account 2. Transfer to savings 3. Withdraw from savings 4. Check balance 5. Mini statement 6. Close savings account Press answer to enter your choice 3 Enter 3 to withdraw money from EcoCash $ave account Enter amount to withdraw Press answer to enter amount Your bank account to wallet transfer of US$ 5.00 was successful. TransacGon ID: ********** Your new wallet balance: US$ Response message 1 Enter 1 to withdraw money from EcoCash $ave account Withdraw US$ 5.00 from 1. EcoCash $ave Press answer to enter your choice US$ 5.00 Enter amount to withdraw 14
15 Account deposit EcoCash menu 1. Airtime top-up 2. Pay Merchant 3. Cash-out 4. Send Money 5. Pay Bill 6. EcoCash $ave 7. Banking services 8. Wallet services Press answer to enter your choice 6 Enter 6 to select EcoCash $ave EcoCash $ave menu 1. Open savings account 2. Transfer to savings 3. Withdraw from savings 4. Check balance 5. Mini statement 6. Close savings account Press answer to enter your choice 2 Enter 2 to transfer money to EcoCash $ave account Enter amount to transfer Press answer to enter amount Your wallet to bank account transfer of US$ was successful. TransacGon ID: ********** Your new wallet balance: US$ Response message 1 Enter 1 to transfer money to EcoCash $ave account Transfer US$ to 1. EcoCash $ave Press answer to enter your choice US$ Enter amount to transfer 15
16 EcoCash $ave Service Flows Copyright 2014 Comviva Technologies Limited. All rights reserved. 16
17 Account registration Customer mobiquity TM platform Steward Bank Core Banking system (CBS) 1 Invokes EcoCash app 2 Receives registration 3 Receives registration menu and selects open request and forwards it to request savings account option bank s CBS along with customer details 5 Accepts terms and conditions and confirms request Receives successful registration message 4 Sends successful registration message to customer Creates a savings account for customer Confirms customers registration to mobiquity TM 17
18 Account deposit Customer mobiquity TM platform Steward Bank Core Banking system (CBS) 1 Invokes EcoCash app 2 Receives deposit request 3 Receives request and selects Transfer to and forwards it to CBS Credits EcoCash $ave Savings account 5 Enters amount to be transferred Receives message confirming successful deposit 4 Debits EcoCash wallet Sends SMS confirming deposit Sends credit confirmation to mobiquity TM 18
19 Account withdrawal Customer mobiquity TM platform Steward Bank Core Banking system (CBS) 1 Invokes EcoCash app 2 Receives withdraw 3 Receives request and selects withdraw request and forwards it to Debits EcoCash $ave from savings bank s CBS account 5 Enters amount to be withdrawn from savings Receives message confirming successful withdraw 4 Credits EcoCash wallet Sends message confirming successful withdraw Sends debit confirmation to mobiquity TM 19
20 Thank you Visit us at Disclaimer Copyright 2014: Comviva Technologies Ltd, Registered Office at A-26, Info City, Sector 34, Gurgaon , Haryana, India. All rights about this document are reserved and shall not be, in whole or in part, copied, photocopied, reproduced, translated, or reduced to any manner including but not limited to electronic, mechanical, machine readable,photographic, optic recording or otherwise without prior consent, in writing, of Comviva Technologies Ltd (the Company). The information in this document is subject to changes without notice. This describes only the product defined in the introduction of this documentation. This document is intended for the use of prospective customers of the Company Products Solutions and or Services for the sole purpose of the transaction for which the document is submitted. No part of it may be reproduced or transmitted in any form or manner whatsoever without the prior written permission of the company. The Customer, who/which assumes full responsibility for using the document appropriately. The Company welcomes customer comments as part of the process of continuous development and improvement. The Company, has made all reasonable efforts to ensure that the information contained in the document are adequate, sufficient and free of material errors and omissions. The Company will, if necessary, explain issues, which may not be covered by the document. However, the Company does not assume any liability of whatsoever nature, for any errors in the document except the responsibility to provide correct information when any such error is brought to company s knowledge. The Company will not be responsible, in any event, for errors in this document or for any damages, incidental or consequential, including monetary losses that might arise from the use of this document or of the information contained in it. This document and the Products, Solutions and Services it describes are intellectual property of the Company and/or of the respective owners thereof, whether such IPR is registered, registrable, pending for registration, applied for registration or not. The only warranties for the Company Products, Solutions and Services are set forth in the express warranty statements accompanying its products and services. Nothing herein should be construed as constituting an additional warranty. The Company shall not be liable for technical or editorial errors or omissions contained herein. The Company logo is a trademark of the Company. Other products, names, logos mentioned in this document, if any, may be trademarks of their respective owners. Copyright 2014 Comviva Technologies Limited. All rights reserved. 20
21 Additional links EcoCash $ave TVC video EcoCash $ave deposit video EcoCash $ave withdrawal video 21
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