This slideshow highlights some of the events and speakers that made presentations during the MMT APAC conference in Manila that was organized by Clarion Events and the M-Banking Dialogue organized by MicroSave and MABS in December 2009.

1. Microenterprise Access to Banking Services (MABS)
2009 Mobile Money Transfer Asia Pacific Conference
and
M-Banking Dialogue
December 7-12, 2009
EDSA Shangri-La Hotel
Manila
Photo slideshow (on mouse click)

2. Menekse Gencer, Director of mPay Connect Inc.,
commenced the Mobile Money Transfer Asia-Pacific (MMT
APAC) Conference and Exposition with an introduction to
mobile money transfer during the pre-conference held at
EDSA Shangri-La Hotel in Manila on December 7, 2009.
She discussed the role of various stakeholders such as
mobile network operators (MNOs), banks, microfinance
institutions, money transfer networks, regulators, agent
network, and vendors in mobile money operations. She also
discussed the business and partnership models –
demonstrating how stakeholders work together, the costs
and revenues for each party, and the key phases of MMT
project management.

3. Also during the pre-conference, Amarante Consulting
Director and former M-Paisa Product Director Aiaze
Mitha presented steps, tips and guidelines on how to
talk with regulators regarding MMT issues, regulations
and operations.
He provided a comprehensive discussion on know-your-
customer (KYC) procedures, anti money laundering
laws, and fraud management. He also discussed how to
diagnose a country’s regulatory environment, the
implication of regulations on various business models,
common compliance requirements for sign up
procedures and record keeping, and presenting a
business plan to the regulators.

4. Utiba Senior Vice President Gregg
Marshall, on the other hand, gave a
presentation that oriented the
participants on approaching payment
cultures in different countries by
providing insightful tips on defining an
entry strategy for a new market.
Drawing from Utiba’s experiences
across Malaysia, Indonesia, Singapore,
Pakistan, India and the Philippines, Mr.
Marshall discussed how to assess
market opportunities in various markets
having different socio-economic
indicators.
He also discussed the essential things a
stakeholder has to remember on macro
economy, culture, literacy levels, usage
of VAS, competitive landscape, trust in
mobile banking, domestic and cross
border money transfers. Finally, he
discussed how to determining and
negotiate an optimum partnership
and branding model.

5. Joined by MABS Chief of Party John Owens, presidents and key officers from five MABS’ participating rural banks offering mobile
phone banking services (MPBS) shared the Philippine rural banks’ experiences on mobile money transfer and MPBS. GM Bank President
Tomas Gomez IV, 1st Valley Bank President Nicholas Lim, Cantilan Bank Executive Committee Chairman Charles Hotchkiss, PR
Bank President Robert Alingog, and Green Bank President Joseph Omar Andaya, shared the practical issues between mobile money
issuers and microfinance institution (MFI) partnerships, lessons learnt from pilot tests, and the mobile money business model for financial
institutions. They also discussed the banks’ experiences in preparing small financial institutions to promote mobile money and mobile
financial services, overcoming cash-in/cash-out constraints in rural communities, and developing mobile money ecosystems.

6. Bangko Sentral ng Pilipinas (BSP) Governor Amando M.
Tetangco Jr. delivered the opening speech on the first day
of the MMT APAC conference.
In his speech, he expressed BSP’s openness to allowing
retailers to become mobile money conduits. By permitting
retail outlets and other third parties to act as mobile money
transfer agents, more Filipinos will have easier access to
financial services even without immediate access to banks.

7. The Philippines is the most mature mobile money
market worldwide. SMART and Globe Telecom, the
Philippines’ two giant mobile network operators the
global pioneers in offering MMT products, each
provided keynote presentations, sharing tips based
on their MMT experiences.
Globe Telecom Inc. President and CEO Ernest L.
Cu (right) discussed how to avoid the myths and
learn the facts around building a mobile money
business;he also presented a successful roadmap
where they transformed a simple mobile wallet
service into a robust mobile commerce platform;
showed multi-ecosystems built by establishing key
partnerships that highlighted the successful
partnership with rural banks; and shared new
initiatives that will push the second wave of growth
in the mobile money arena.
Smart Communications Inc. President and CEO
Napoleon L. Nazareno (left) presented a review of
ecosystems, key stakeholders, and business
models; discussed the next level for MMT with
predictions on the future of m-payments; and shared
the Asia Pacific MMT experience and why it will
continue to drive key markets to the next level.

8. Representing US Ambassador to the Philippines Kristie Kenney,
US Embassy Deputy Chief of Mission Leslie A. Bassett delivered the
welcome remarks on the second day of the conference. Ms. Bassett
emphasized that the US Government, through the USAID-supported
MABS Program, remains committed to supporting innovations in
mobile money transfer technologies. She mentioned how mobile
phone banking services have given more microentrepreneurs and
residents of rural communities access to financial services.

9. On the second day of the conference, BSP Deputy Governor Nestor
Espenilla Jr. outlined the BSP’s policies and mechanisms that
provided an enabling environment for proper incentive structure and
business opportunities so MMT can flourish. He also discussed
consumer protection and redress mechanisms and anti-money
laundering and KYC requirements in the Philippines.
A panel facilitated by Alliance Financial Inclusion Regional Associate
Eduardo Jimenez and composed of Amarante Consulting Director
Aiaze Mitha, MABS Program Chief of Party John Owens, Indosat
Mobile Commerce Product Development Manager Ichwansyah Putra,
CGAP Senior Policy Specialist Michael Tarazi, joined Deputy
Governor Espenilla to discuss regulatory issues bearing on MMT.

10. A long line of leaders, experts, regulators, operators, and other stakeholders in the MMT industry graced the conference and dialogue with
presentations and comprehensive discussions on MMT , mobile phone banking and other industry-related developments and issues. Among the
speakers and panelists were (from top left): Lance Blockley, Managing Director of Edgar, Dunn & Co.; Josias dela Cruz, Vice President of
Bank of the Philippine Islands; Ling Xiang, Director of the Strategic Copperation Department of Union Mobile Pay; Matt Dill, Head of Digital
Ventures of Western Union; Ichwansyah Putra, mWallet Head of Product Development of Indosat; Jeremy Cleaver, Private Sector
Development Specialist of Asian Development Bank; Naushad Contractor, Head of Marketing Mobile Commerce of Vodafone Essar; Jojo
Malolos, Wireless Consumer Division Financial Services Group Head ofSmart Communications, Inc.; Matthew Talbot, VP for mCommerce of
Sybase 365; and Janine Firpo, EAP Mobile Banking Consultant for the IFC.

11. Ms. Rizza Maniego-Eala, president of Globe
Telecom subsidiary G-Xchange Inc. (GXI),
participated in a panel session along with
representatives of Western Union,
MoneyGram, Smart and MABS on how to
make MMT profitable.

12. EKO Co-founder and CEO Abhishek Sinha, Amarante Consulting Director Aiaze Mitha, MicroSave Program
Director Graham A.N. Wright, CGAP Microfinance Specialist Chris Bold, IFC Mobile Banking Consultant Janine
Firpo, ACCION International Channels Specialist Amitabh Saxena, and MABS Chief of Party John Owens
participated in a panel discussion on how to make MFIs ready for mobile microfinance. They tackled various
issues regarding the use of mobile money technology in microfinance, including regulation, consumer relations,
efficiency, cost, and technology platforms, among others

13. Using the SIM cards provided during the MMT
To provide the international delegates with conference, the MMT attendees purchased products
hands-on experience of MMT in the from merchants accepting GCASH for payment. Mobile
Philippines, they were given an exposure wallet developer Utiba, the MABS Program, GXI, and
tour to G-Xchange Inc office, PR Rural MABS participating bank Philippine Rural Banking
Bank and then Greenhills Shopping Corporation (PR Bank) facilitated the site visit to help
Center, where PR Bank’s participating participants learn how the succesful partnership between
merchants already accept GCASH as USAID, RBAP, MABS, and GXI have helped to support
payment for their products. greater access to banking services for microenterprise
clients utilizing the GCASH platfrom.

14. In the afternoon, Smart Communications also
provided conference participants with their own
Smart SIMs and Smart Money cards for a
mobile money experience in the EDSA
Shangri-La Mall.

15. After the MMT conference and with support from USAID-MABS,
MicroSave, GXI, BPI-Globe, and Mercy Corps, selected representatives
attended the MicroSave and MABS M-Banking Dialogue also held at the
EDSA Shangri-La Hotel in Manila on December 9 and 10. This is the
third M-Banking Dialogue that MicroSave has conducted over the past 5
years. These private dialogues allow m-banking practiitoners to openly
discuss issues and challenges in rolling out m-banking services to
support greater access to banking services. This year’s dialogue looked
at managing strategic partnerships and the implications for the business
model, approaches to optimizing agent performance and optimizing the
customer value proposition among other topics.

16. MMT APAC EVENT HOST
MMT APAC was put on by Clarion Events – a committed, highly experienced team, the UK’s largest
independent events company, the team behind MMT09 at Clarion Events draw on over 80 years of
experience hosting strategic conference focusing on payments innovations, telecommunications,
government and emerging technologies. Clarion considers it a great privilege to host such a diverse,
dynamic and exciting community of practitioners-they are very passionate about MMT and are immensely
grateful to the expert speakers, advisors and sponsors for their generous support.
M-Banking Dialogue Sponsors