Migration in Italy is a part of a worldwide phenomenon. It will grow. Unbanked will increase. Which financial services should we consider? What is the solution for an effective Financial Inclusion? Which stakeholders will contribute and will benefit from such initiative?

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FINANCIAL INCLUSION: ITALIAN SCENARIO
MILAN
MARCH, 2016
#financial inclusion
#unbanked
#digitalcash
CONFIDENTIAL
Confidential
NTT Data Italia
Mauro Giorgi

2. 11COPYRIGHT 2015 NTT DATA ITALIA S.P.A.
MIGRATION IN ITALY: PART OF A WORLDWIDE PHENOMENON
60 mln
inhabitants
- 150,000
Migrants leaving Italy
5.2 mln
Non-national in Italy
0.8 mln
Naturalized
0.2 mln
Illegal
0.2 mln
Clandestine
+ 250,000
Migrants arriving in Italy
Eurostat talks about 5,5 mln Migrants entering UE
1/4 is entering from non UE countries and Schengen agreement is under evaluation
War Risk Index is growing around the world
Migration flow are changing (more than 60 mln refugees yearly)

3. 22COPYRIGHT 2015 NTT DATA ITALIA S.P.A.
UNBANKED PEOPLE ARE GROWING

4. 3
Liquidity deposit
Money storage and savings
Withdrawals for cash payment needs
Debit card for payment
Credit card for payment and consumer credit
P2P transfer
SOCIAL INCLUSION
(2YRS)
SOCIAL STABILIZATION
(2-7YRS)
ARRIVAL
SOCIAL INTEGRATION (>7YRS)
Payroll credit
Direct debit for bills and tax payment
Credit transfer for large payment
Money transfer
Personal loans and social lending
Micro-credit
Overdraft for consumer credit
Remittance
Commercial loans
Cheque for large payment
Mortgage loans
Investments
SERVICES FOR FINANCIAL INCLUSION

5. 4
MULTI-SIDED PLATFORM FOR FINANCIAL INCLUSION
Service
Providers
Multi-sided
Platform
Unbanked
Users
Merchants
Other
Stakeholders
316kRestaurants, Cafè
and other food services
227k Food stores
28k Food retailers
660k Non-food stores
30k Non-food retailers
Italian families
1.06mln
3.42mln
Non National families
Government
Banks and other financial
service providers
Employment
agencies
Charities and
social services
Utilities
Healthcare
Financial Services
Other Services

6. 55COPYRIGHT 2015 NTT DATA ITALIA S.P.A.
Potential benefits
Main contributions
• Support platform diffusion
• Subsidies delivery through platform
• Tax cuts for other platform partners* • Digital identity management extension
• Migration flow monitoring with payment localization
• Work entrance monitoring with payroll data
• Financial and social inclusion facilitation
• Integrate some financial services within the platform
(e.g. remittance)
• Allow the usage of some assets (e.g. ATM) • New channel for some vertical providers
(e.g. Western Union)
• Revenue sharing or fees
• Future potential “banked” customers• Accept payments through the platform
• Tax cuts*
• New channel to launch marketing campaigns
• Use the platform to identify customers
• Enable service payment through the platform
• Integrate some services within the platform
(e.g. job searching)
• Strong identification
• New channel to reach (new) customers
• Tax cuts*
• Support platform diffusion
• Use the platform to support local community
• Use the platform for donation • Local community welfare improvement
• New appealing channel to engage people in
charitable activities
Stores and
retailers
Government
Banks and
other financial
providers
Charities
and social
services
Other Service
Providers/
Stakeholders
STAKEHOLDERS: CONTRIBUTIONS AND BENEFITS

7. COPYRIGHT 2015 NTT DATA ITALIA S.P.A.
Mauro Giorgi
SVP, Head of Financial Services BU
Mail mauro.giorgi@nttdata.com
Mobile +39 335 5799525