FinAccess Geospatial Mapping Survey, 2015 Dissemination Event 29 th October 2015
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1 FinAccess Geospatial Mapping Survey, 2015 Dissemination Event 29 th October 2015
2 Geo-Spatial Analysis: 3 Components 1). Access point data collection 3). Mapping Software 2). Add Poverty and other layers
3 Project Scope Brand Fusion was contracted by The Bill and Melinda Gates Foundation to conduct research and fieldwork activities in their focus territories of interest namely: - Tanzania - Kenya - Nigeria - India - Bangladesh - Uganda
4 Project Methodology The questionnaire was loaded onto a Huawei Y330 device which each Enumerator was given All outlet information was submitted in real time GPS average accuracy was < 15m in Rural areas and < 10m in Urban areas Outlets were able to be captured even in areas with no Network coverage Operational and transaction data is based on the interviewees perceptions
5 Letters of Authorisation Examples
6 Fieldwork Approach Designed questionnaire to capture operational and transactional data as well as GIS data The questionnaire is specific to each financial service intermediary Profile is to interview all open and operational touch-points at that point of time of the fieldwork. Active points were considered to have done a transaction in the last 30 days Not all points are captured due to several factors including: i) non-location of the points ii) security areas iii) resistance or lack of cooperation iv) dormancy v) safety of fieldwork staff
7 Total Mapped Financial and Agricultural Points in Kenya Financial Touch Points (91 186) Agricultural Touch Points (27 684) The Agricultural landscape is almost a mirror image of the Financial Landscape showing the relationship between the two
8 Comparison of the Two GIS Mapping Projects (2013 & 2015) Project timelines : 1 st Round 13 th May 31 st October nd Round 9 th March 5 th August 2015 Sectors captured: 1 st Round Financial nd Round Financial Agricultural
9 Total Project Comparisons Financial Institutions Mobile Money Agent % Bank Agent % Money Transfer Service % Commercial Bank and Mortgage Finance % Insurance Service Provider % Forex Bureaus % Savings and Credit Co-operative (SACCO) % Stand alone ATM % N=91186
10 Total Project Comparisons Financial Institutions Post Office % Micro Finance Institution Micro Finance Banks % Hire Purchase/Leasing/Factoring % elopment Finance Service Provider % Pension Provider % Capital Markets Service Provider % Bus Stands 613 N=91186
11 Useful information that can be gathered using GIS Data Mobile Money Agents
12 Summary Mobile Money Service Providers 5.64% 0.77% 0.14% Total Base Safaricom Agents Airtel Agents Mobi Cash Agents 525 Orange Agents % Safaricom Airtel Mobi Cash Orange
13 Unique vs Multiple Agents Mobile Money Agents Unique Vs Multiple (n=68141) Mobile Money Agents and Bank Agents Unique Vs Multiple 7% 13% Unique Multiple Unique Multiple 93% 87%
14 Mobile Money Service Providers How often does a Agent run out of physical cash How often does a Agent run out of e-float Number of times an Agent would run out of cash (n=68141) Agent run out of e-float (n=68141) 6.16% 0.33% 0.16% 6.25% 0.39% 0.16% Never Never Monthly Monthly 93.34% Weekly 93.20% Weekly Daily Daily
15 Mobile Money Service Providers Mobile Money Training Received Mobile Money training (n=68141) 14% Types of training received (n=68141) 5.46% Yes 86% No 94.07% Training from a Mobile Money Specialist Training from the Sales Rep
16 Mobile Money Service Providers Fraud Statistics Experienced cases of Fraud (n=68141) Types of Fraud (n=25322) 2% 37% Yes 63% No 97% Counterfeit Money Direct Handset Fraud
17 Fraud Stats Across all Financial Access Points Experienced cases of Fraud Types of Fraud (n=27845) Yes No Counterfeit Money 94% 31% Direct Handset Fraud 3% Fake sms 1% 69% Robbery 1% Fake Identification 1%
18 Fraud Stats Across all Financial Access Points Base Counterfeit Money Direct Handset Fraud Fake sms Robbery Fake Identification Forged Cheques Loan Defaulting False Documentation Mobile Money Agents Bank Agents Capital Markets Service Providers Development Finance Service Providers Forex Bureaus Hire Purchase/Leasing/Factoring Insurance Service Provider % 2% 0% 0% 0% 0% 0% 0% % 13% 5% 4% 1% 0% 0% 0% 19 7% 0% 0% 7% 54% 32% 0% 0% 22 49% 5% 14% 5% 9% 0% 18% 0% % 0% 5% 15% 15% 4% 0% 0% 24 42% 4% 0% 13% 21% 21% 0% 0% % 2% 5% 11% 15% 13% 0% 40% Micro Finance Institution 52 45% 9% 0% 36% 9% 0% 0% 0% Money Transfer Services Pension Providers Savings and Credit Cooperative (SACCO) 35 47% 8% 0% 36% 9% 0% 0% 0% 8 0% 0% 0% 0% 6% 50% 0% 44% % 9% 3% 19% 0% 15% 11% 13%
19 ATM Comparison at Commercial and Mortgage Bank Branches and Micro Finance Bank Branches Does the Commercial and Mortgage Bank Branch have an ATM Machine (n=1272) Does the MFB Branch have an ATM Machine (n=168) 14% Yes 26% Yes No No 86% 74%
20 Conclusions/Key Lessons Slide i) Sustainability of GIS data collection ii) iii) iv) Combining Datasets to increase value of the data collected and the analytical outcomes. The Financial sector regulators are in the process of collecting more datasets under the MoU BMGF with key stakeholders are undertaking a scoping mission on a sustainability pilot Spatial Analysis using triangulation with other spatial datasets including supply side v) Potential links and collaborations
21 Full Project Report and Databases A Full Project Report as well as individual databases are available on written request to CBK researchstat@centralbank.go.ke
22 FSPmaps Demo Tool
23 Website address:
24 Functions on Fspmaps 1. Clicking on Individual Points 2. Selecting Base Maps 3. Selecting Contextual Layers 4. Analytical tools 4.1 Pin drop Radius Buffer 4.2 Upload Data
25 Clicking on Individual Points
26 Selecting Base Maps
27 Selecting Contextual Layers
28 Analytical Tools
29 Analytical Tools lat lon featuretype Radius_KM name Commercial Bank 5 Kenya Commercial Bank Commercial Bank 5 Commercial Bank of Africa Commercial Bank 5 Equity Bank Cash Merchant 2 Mega Center Cash Merchant 2 Starcom Cash Merchant 2 Lusigetti Market Cash Merchant 2 You Cash Cash Merchant 2 Digi-money Cash Merchant 2 Kimende Market ATM 2 Pesapoint ATM Ngong ATM 2 Barclays Bank ATM 2 Pesapoint ATM Kimende Village Bank 5 Mung etho Village Bank 5 Maingi Town Village Bank 5 Kajiado Village Bank 5 Magadi Community-based Collector/Reseller 1 George Babumba Community-based Collector/Reseller 1 Lucy Kiguru Community-based Collector/Reseller 1 Betty Kungu
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