1. The document discusses branchless banking and mobile money solutions called myKyat developed for Myanmar. 2. MyKyat allows users to perform financial transactions through their mobile phones without needing a bank account, using a network of agents. 3. The myKyat platform provides various functions including sending and receiving money, bill payments, cash deposits, withdrawals and group payments. It aims to promote financial inclusion among the unbanked population.

1. Imagine the unlimited mobility of your day
Mobile Money – Branchless Banking
26th May 2014

2. What is Branchless Banking?
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1. Delivering services beyond the reach of existing branches and ATMs
2. Agent-led financial inclusion services for the unbanked population
3. Reduce cost of customer acquisition and servicing
4. Secure and easy account opening, no need for a core banking account
5. Customer account is tied to a mobile

3. What is myKyat?
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§ Solution developed by FTP for Myanmar
§ SAP - World-class robust platform deployed in over 28
countries
§ Safe, secure, regulatory compliant
§ Support both feature phones and smart phones
§ Can be used by both registered and non-registered users

4. Mobiliser Family
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5. myKyat Functions – available now
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5. Request Money
6. Bill Payment
7. Agent to agent transfer
8. Group Payment
1. Cash In
2. Cash Out
3. Send Money
4. Pickup

6. myKyat Functions
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Send Money

7. myKyat Functions – Send Money
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Payee Mobile? Amount in Ks?
Customer selects 2 Customer enters payee mobile Customer enter amount
Menu Level 1 Menu Level 2 Menu Level 3
Dial
*661#
Dear Customer,
1. Check Balance
2. Send Money
3. Request Money
4. Purchase
5. More

8. myKyat Functions – Send Money contd.
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Amount in Ks?
Customer enters PIN Transaction successful
Menu Level 5 Menu Level 6
Payee:+959999999
Amount: 9999 Ks
Fees: 9999 ks
To continue, enter
PIN
Your Message?
Customer enters message
for recipient
Your transaction is
successful.
myKyat ID is
99999999
To continue, enter
0
myKyat
Id:
99999999
Amt:
9999
Ks
Sender’s
Message
You
have
received
9999
Ks
from
959999999.
Sender’s
Message
Go
to
nearest
myKyat
agent
to
collect
cash
using
code
9999.
Non Registered
Registered

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Web Portal Channels

10. Financial Use Cases
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11. Customer -­ Centric Use Cases
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12. Cash In
Customer Agent
Customer’s
SVA
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SVA
Mobile
Phone
NRC
Channel
Customer
✓
✓
✓
Not
relevant
Agent
✓
✓
✗
Portal
and
Mobile
give
mobile
no
and
cash
deposit

13. Send Money
Sender‘s
SVA
Receiver’s
SVA
Mobiliser
13 © Frontier Technology Partners Co., Ltd 2014. All rights Reserved
SVA
Mobile
NRC
Channel
Sender
✓
✓
✗
Portal
and
Mobile
Receiver
✓ or ✗
✓
✓ or
✗
Portal
(available
only
for
SVA
holder
)
and
Mobile
Receiver’s
Mobile
send receive

14. Pick up
Receiver
Agent
14 © Frontier Technology Partners Co., Ltd 2014. All rights Reserved
SVA
Mobile
NRC
Channel
Agent
✓
✓
✗
Portal
and
Mobile
Receiver
✗
✓
✓
Not
relevant
Cash
give
mobile
no
and
pick
up
code issue

15. Request Money
Requestor‘s
SVA
Payee’s
SVA
Mobiliser
15 © Frontier Technology Partners Co., Ltd 2014. All rights Reserved
SVA
Mobile
NRC
Channel
Requestor
✓
✓
✗
Portal
and
Mobile
Payee
✓
✓
✗
Portal
and
Mobile
request receive

16. Group Payment
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SVA
Mobile
Phone
NRC
Channel
Payer
✓
✓
✗
Portal
Payees
✓
✓
✗
Portal
and
Mobile
Payer‘s
SVA
Mobiliser
uploda
data
file
confirm
data
file
Payee1‘s
SVA
Payee2‘s
SVA
Payee3‘s
SVA

17. THANK YOU!
Contact:
Tel: (95) 01 230 5133 - 5134