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NRT 2011: RB Mabitac Experience - Using Technology to Expand Microfinance
RURAL
BANK
OF

             MABITAC,
INC.
                         




 “EXPERIENCES
USING
NEW

TECHNOLOGIES
TO
EXPAND

MICROFINANCE
OPERATIONS” 

RBAP-MABS and Smart Money expand RB Mabitac’s
        Mobile Money Transfer Services
Background:


‐  In
2009
Smart
Communications
and
RBAP
MABS

   approached
RB
Mabitac,
Inc.
to
pilot
test
SMART    

   MONEY
with
rural
banks.


‐  RBAP,
 through
 its
 MABS
 program,
 collaborated  

   with
 Smart
 to
 pilot
 test
 its
 e‐money
 transfer
                                                      

   services
with
RB
Mabitac.

Money
In/Money
Out
(MIMO)
Pilot:


•  Cabuyao
and
Infanta
Branches

•  Pilot
 tested
 MIMO
 transactions
 to
 bank

   employees



•  Limited
bank
clients
(30
per
branch)

•  Experienced
very
limited
transactions

•  No
advertising
materials

during
the
pilot
stage.

Developments:


•  MABS
and
Smart
evaluated
the
results
of
the

   pilot.
•  Got “conditional approval” to offer MIMO and
   facilitate distribution of Smart Money Instant
   Card
  •  Only to RB Mabitac account holders
  •  Limited only to few branches

Developments:


•  Frontliners
 trained
 to
 facilitate
 instant
 card

   activation
and
issuance

•  Pilot
 tested
 card
 issuance
 in
 three
 (3)
 branches
                                                         

   Los
Banos,
Paete
and
Candelaria

•  Training
 on
 mobile
 money
 transfer
 to
 14
 field   

   officers

Pilot
Test
Results:


as
of
May
2011


               No.
of
Registered
 No.
of
Ac6vated
                          Amount
of

  Branch
                                            No.
of
Transac6ons

                    Clients
          Clients
                             Transac6ons


                                                      Encash
       26
      
19,860


 Candelaria
          18
               18

                                                     Loading
       6
       
12,800


                                                      Encash
       6
       
1,800


   Paete
             13
               
13

                                                     Loading
       
           

                                                      Encash
       14
      
9,100


 Los
Banos
           14
               14

                                                     Loading
       14
      
9,100


                                                      Encash
       46
      
30,760


   TOTAL
             45
               45

                                                     Loading
       20
      
21,900


Next

Steps:



  •  Encourage 20,000 bank depositors and borrowers
     to register to Smart Money.
  •  Smart Money MIMO will serve as additional
     marketing tool for potential clients in all strategic
     locations where the bank is operating.
  •  Rollout to remaining branches.
ENCASH
ATM’s
AND
RB
MABITAC,
INC

expanding
its
banking
services…

Background:

Encash
 and
 RB
 Mabitac,
 Inc.
 partnership
 started
 on 

April
 2009
 with
 our
 first
 ATM
 deployed
 in
 Cabuyao  

Branch
 ‐
 one
 of
 our
 branches
 with
 the
 highest
 foot
                                                          

traffic
due
to
its
strategic
loca[on

Developments:

 Paete
‐
A
busy
town
with
a
lot
of
OFW’s,
tourists
and

 entrepreneurs
was
the
second
ATM
installed

on
May

 2009.

Developments:

•  Addi[onal
ATMs
installed
in
Siniloan

   and
Sta.
Maria
Branches.


•  Salaried
individuals
are
receiving

   and
sending
money
thru
ATM’s.



•  Beneficiaries
of
the
the
DSWD’s
4Ps

   Program
also
used
ATMs
of
the

   bank.

Why
RB
Mabitac
put
up
ATMs?


 ATMs
 provide
 24
 hour
 
 convenient
 and
 quality
                                                    

  service
to
the
clients


 ATMs
 allow
 rural
 folks
 access
 to
 cash
 with
 less
                                                        

  cost
 and
 time
 as
 opposed
 to
 travelling
 to
 the
                                                      

  commercial
districts
where
most
of
the
ATMs
are     

  located

Why
RB
Mabitac
put
up
ATMs?


  ATM’s
provide
a
new
technology
for
RBs
to
expand
its
                                                      

  services


  ATM’s
 give
 RB’s
 prestige
 to
 be
 at
 par
 with
 our
 peer
                                                               

  banks,
particularly
commercial
banks


  ATM’s
provide
additional
revenues
of
RB’s

TransacEons
&
Revenue


Year                              Branches               Transactions             Revenue
2009 (6 months)                           2                              32,879     165,014
2010 (Full Year)                       2 + 2*                            56,506     306,689
2011 (Jan to Apr)                         4                              20,855     120,664
Total                                                               110,240        592,377
* Siniloan Branch installed in March 2010; Sta. Maria in December 2010

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NRT 2011: RB Mabitac Experience - Using Technology to Expand Microfinance