This document summarizes Robi CashPlus, a mobile money service in Bangladesh that aims to improve the lives of migrant families through remittances. The key points are: 1) Robi CashPlus allows migrant workers to easily send money back home through Robi's nationwide network, benefiting families who previously faced barriers like travel distances and bank operating hours. 2) The service forms partnerships to promote productive spending of remittances on agriculture through ACI Agribusiness and vocational skills training through Greenland Group. 3) By integrating remittances with financing, goods, and services, Robi CashPlus creates an ecosystem to multiply the economic impact of money sent home by migrant workers.

1. Robi CashPlus ~Igniting the power within GSMA Mobile Money Summit 2010 Koji Ono, Chief Strategy Officer, Robi, Bangladesh Date : May 24, 2010

3. Border length: 4,246 km

4. Population: 156 million

5. Literacy Rate : 48%

6. Mobile penetration : 35%

7. Banking penetration : 13%

8. GDP (PPP): $242.4 billion

9. GDP (Per Capita): $1,600

10. National Language: Bengali

11. Capital: DhakaSource: CIA World Factbook

13. Employing around 50% of the total labor force

14. Gradually transforming from subsistence to commercial Labour force by Occupation (2008 est.) GDP Composition by Sector (2009 est.) Source: CIA World Factbook

16. Total NRB = 6.6 million i.e. 4% of total population (as of Sep ’09)

17. Avg. per month international employment = 40K

19. inability to send money frequently

20. delays while sending

21. unsecured distribution

22. inconsistent delivery methods, etc. India China Mexico Philippines Poland Nigeria Romania Egypt Bangladesh Vietnam Source: Primary market study by Somra MBL

23. Robi’s regional strength to work as a major catalyst for m-Remittance Source: Survey by Somra MBL Ltd., eBIS, R&I

27. Service unavailability - Bank booths operational half day & 5 days a week

28. Charge on receiver -Tk.100 for every cash-out

29. transport

30. administrative

32. Ensure financial inclusion upto marginal population

33. Create opportunities for employment through training and education Migrant households rely heavily on remitted money Only 2 ppl. in earning cycle, rest are dependents Source: Survey by Somra MBL

34. Looking deeper: Two unique challenges arethere for migrant households Access to information and facility providers

35. Economic use of the transferred money is a key concern – both for receivers and Govt. Majority of the remitted money is spent on basic necessities or unproductive uses Inefficient spending hardly contributes to the nation’s economic cycle To leverage this, Robi has identified two major areas, investment in which will help in the country’s development Related to agriculture Related to human resource Remittance Utilization % Source: Building a future back home, The Economist 2008

37. Service unavailability - Robi Sheba/POS operational min 12 hrs, 7 days a week

39. complete solution provider to farmers’ need

40. A leading manpower agency

41. Provides entrepreneurship and vocational trainingsSkilled labour/NRB Inward Remittance = Incremental economic value

44. Greenland Training Centre

45. DBBL/EBL

46. Agricultural facility

47. Vocational training

49. Key challenges likely to face

50. Thank you