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A Roadmap for Mass
Adoption of e-
Payment Services in
the Philippines
John Owens
@jvowens
Philippines: First to Offer Mobile E-
Money Enabled Loan Payments in 2005
Global State of Mobile E-Money
Source: Betty Wilkinson, ADB
E-Money Driving Financial Inclusion
There are now more than 18 countries where e-money
accounts and the use of agents are ...
• Access
– Ease of account opening (tiered KYC), sufficient access points,
interoperability, and availability of services
...
AFI | Alliance for Financial Inclusion
Mobile E-Money Supporting
Financial Inclusion in Other Ways
2012
2006 13%
29%20 Mil...
CBA Leveraging
Mobile E-Money
Source: John V. Owens, Alliance for Financial Inclusion
No. E-Money Access Points per 10,000 adults (≥15 yrs)
TZ 61
KY 49
...
Role of Agents /
Financial Touch Points
Source: MicroSave
Electronic Money, Prepaid Accounts, Online &
Mobile Payment Systems
Current State of e-Money /
e-Payments in the Philippin...
Current State of e-Money /
e-Payments in the Philippines
Current State of e-Money /
e-Payments in the Philippines
Current State of e-Money /
e-Payments in the Philippines
• Stakeholders
– Government of the Philippines – national and loc...
Objective: Financial inclusion deepened resulting from an
increase of e-Payments adoption, use, and development
• Widespre...
Benefits of
e-Payment Adoption
• Cost Savings
– Diminishes the direct / indirect costs associated with physical cash-
hand...
• A prime opportunity now being driven by Government
shifting to e-payments (disbursements & collections)
• Support by pol...
Use Cases –
Shared Agent Networks
Source: MicroSave
Supporting an
e-Payment Ecosystem
• Support for an inclusive e-
Payment system
• Expand e-Payment
infrastructure (online p...
AFI | Alliance for Financial Inclusion
Convergence & Interoperability
will Drive e-Payment Adoption
E-Payments
One Stop Shop Portal for
e-Payments
ONE STOP SHOP
e-Payments
Ecosystem
in the Philippines
Opportunities
for
Government
(Na...
Interested in supporting the One Stop Shop for e-
Payments?
Let us know by
taking the survey!
Thank you
For more information, please contact:
Mr. John Owens
Email: jowens@epeso.org.ph
Follow us on twitter:
@PaymentsPH
A Roadmap for Mass Adoption of e-Payments in the Philippines
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A Roadmap for Mass Adoption of e-Payments in the Philippines

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This presentation was given during the inaugural Cards & Payments Philippines Conference held at SMX in Manila, Philippines September 2-3, 2015.

Veröffentlicht in: Technologie
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A Roadmap for Mass Adoption of e-Payments in the Philippines

  1. 1. A Roadmap for Mass Adoption of e- Payment Services in the Philippines John Owens @jvowens
  2. 2. Philippines: First to Offer Mobile E- Money Enabled Loan Payments in 2005
  3. 3. Global State of Mobile E-Money Source: Betty Wilkinson, ADB
  4. 4. E-Money Driving Financial Inclusion There are now more than 18 countries where e-money accounts and the use of agents are having a dramatic impact on financial inclusion.
  5. 5. • Access – Ease of account opening (tiered KYC), sufficient access points, interoperability, and availability of services • Usage – Digital / mobile literacy, use cases, business value proposition, e-payment ecosystems • Quality of Services – Excellent customer-centric services, trust, security and consumer protection Keys to e-Money & e-Payment Adoption
  6. 6. AFI | Alliance for Financial Inclusion Mobile E-Money Supporting Financial Inclusion in Other Ways 2012 2006 13% 29%20 Million bank accounts 4 Million bank accounts 24 Million registered mobile money users Percentage of adults using a bank account in Ke
  7. 7. CBA Leveraging Mobile E-Money
  8. 8. Source: John V. Owens, Alliance for Financial Inclusion No. E-Money Access Points per 10,000 adults (≥15 yrs) TZ 61 KY 49 PK 17 BD 17 PH < 2 Access Points are key for e-money accounts
  9. 9. Role of Agents / Financial Touch Points Source: MicroSave
  10. 10. Electronic Money, Prepaid Accounts, Online & Mobile Payment Systems Current State of e-Money / e-Payments in the Philippines
  11. 11. Current State of e-Money / e-Payments in the Philippines
  12. 12. Current State of e-Money / e-Payments in the Philippines
  13. 13. Current State of e-Money / e-Payments in the Philippines • Stakeholders – Government of the Philippines – national and local – Banks, MFIs, Cooperatives, EMIs, Other Financial Service Providers, Payment Service Providers – Private sector (Large Companies, E-Commerce, FMCGs, QSRs, SMEs) – Consumers • Level of Services – Agents - CICO – Bills Payments – Payroll – Mobile e-money – e-Money – Payment Service Providers - e-Commerce
  14. 14. Objective: Financial inclusion deepened resulting from an increase of e-Payments adoption, use, and development • Widespread e-Payment adoption and use by individual constituents/consumers, government, and businesses • Supportive regulatory environment for e-Payment development (e.g. National Retail Payments System) • Improved transparency and accountability in government transactions • Increased efficiency and profitability in business transactions • e-Payment ecosystem poised for continued growth and innovation E-PESO Vision and Objectives
  15. 15. Benefits of e-Payment Adoption • Cost Savings – Diminishes the direct / indirect costs associated with physical cash- handling and in-kind goods distribution • Transparency – Increases accountability and tracking of financial flows, resulting in less fraud • Speed & Security – Generally faster and safer means of delivery of funds with e-Payment receipts • Financial Inclusion – Creates opportunities for financial access and affordability for those formerly excluded from formal financial systems • New Market Access & Economic Development – Opens doors to fee - for - service business models in previouslySource: Better Than Cash Alliance
  16. 16. • A prime opportunity now being driven by Government shifting to e-payments (disbursements & collections) • Support by policy makers from the BSP to DTI to support an appropriate regulatory & policy enabling environment • Convergence of players from banks, telecoms, e-money issuers, payment service providers, e-commerce players, transport operators Addressing Access Issues
  17. 17. Use Cases – Shared Agent Networks Source: MicroSave
  18. 18. Supporting an e-Payment Ecosystem • Support for an inclusive e- Payment system • Expand e-Payment infrastructure (online payments, mPOS, NFC technology, agent network models) • Promote interoperability across e-Payment instruments, mechanisms, and channels • Support BSP as it leads the development of a National Retail Payments System • Ensure security, consumer
  19. 19. AFI | Alliance for Financial Inclusion Convergence & Interoperability will Drive e-Payment Adoption E-Payments
  20. 20. One Stop Shop Portal for e-Payments ONE STOP SHOP e-Payments Ecosystem in the Philippines Opportunities for Government (National, LGUs) Opportunities for the Private Sector (Businesses) Regulations & Policy Updates Banks, EMIs, Payment Service Providers Use Cases – Building an e-Payment Ecosystem E- commerce
  21. 21. Interested in supporting the One Stop Shop for e- Payments? Let us know by taking the survey!
  22. 22. Thank you For more information, please contact: Mr. John Owens Email: jowens@epeso.org.ph Follow us on twitter: @PaymentsPH

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