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The UPU Postal Payment Services and financial inclusion

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The UPU Postal Payment Services and financial inclusion

  1. 1. The UPU Postal Payment Services and financial inclusion Tunis, 22 and 23 October 2009 Serguei Nanba – Postal Financial Services Coordinator
  2. 2. Presentation of the Universal Postal Union <ul><li>Created in Bern in 1874 </li></ul><ul><ul><li>The International Bureau, the permanent secretariat of the UPU, is based in Bern </li></ul></ul><ul><li>An intergovernmental organization and a United Nations specialized agency </li></ul><ul><li>The principal forum for cooperation between governments, Posts and other postal sector stakeholders </li></ul>
  3. 3. The postal sector worldwide <ul><li>657’000 post offices in 191 countries (500’000 in rural areas) </li></ul><ul><ul><li>In Sub-Saharan Africa, on average, 80% of the post offices are located outside the 3 biggest cities of the country, in areas where 80% of the population lives </li></ul></ul><ul><ul><li>In rural areas of SSA, 6.45 times more post offices than outlets of the biggest private providers </li></ul></ul><ul><li>In Africa: 25’100 (only permanent post offices) </li></ul><ul><li>More than 5 millions employees worldwide </li></ul><ul><li>In Africa: 160 000 employees </li></ul><ul><li>Around 80% of designated postal operators worldwide provide some sort of financial services </li></ul><ul><li>In 2007: 1,15 billion money orders sent by Posts worldwide </li></ul><ul><li>In Africa (44 countries): 57,9 millions money orders </li></ul>
  4. 4. <ul><li>Implementation of the Postal Payment </li></ul><ul><li>Services Strategy 2009-2012 </li></ul><ul><li>Expand and develop the UPU worldwide electronic payment network (WEPN) </li></ul><ul><li>Develop: </li></ul><ul><ul><li>UPU Worldwide postal payment regulations (multilateral framework) </li></ul></ul><ul><ul><li>UPU Clearing and Settlement system </li></ul></ul><ul><ul><li>Communication policy </li></ul></ul><ul><ul><li>Universal and collective brand </li></ul></ul><ul><li>Focus on migrants’ remittances corridors </li></ul><ul><li>Associate electronic remittance services with postal account-based services through rural post offices to foster financial inclusion of the poor </li></ul>
  5. 5. UPU-IFAD project in West Africa <ul><li>Target : migrants and recipients of migrant remittances in rural areas of six West African countries: Benin, Burkina Faso, Mali, Mauritania, Niger, and Senegal </li></ul><ul><li>Partners: IFAD, UPU, Le Groupe La Poste, France </li></ul><ul><li>Main activities: </li></ul><ul><ul><li>Connection of around 300 rural post offices in 6 countries, extension of an initial UPU regional projet </li></ul></ul><ul><ul><li>Set up of the communication infrastructure (call centres, direct connection) </li></ul></ul><ul><ul><li>New technology, equipment, training </li></ul></ul><ul><ul><li>Development of the IFS services </li></ul></ul><ul><ul><li>Cash is available in rural post offices – secured transportation and management </li></ul></ul><ul><ul><li>Promotion of the service </li></ul></ul><ul><ul><li>Associate remittances with account-based services </li></ul></ul>
  6. 6. UPU-IFAD project in West Africa <ul><li>Benefits : </li></ul><ul><li>Low-cost and quality service available in rural areas </li></ul><ul><li>Reduction of competitors tariffs on various corridors </li></ul><ul><li>Reinforcement of rural Posts for provision of universal service </li></ul><ul><li>First step in financial inclusion process for rural poor </li></ul>
  7. 7. <ul><li>First results : </li></ul><ul><li>IT, commercial and Operational Model updated on the basis of new UPU Regulations and regional conditions </li></ul><ul><li>New equipment installed and tested </li></ul><ul><li>14 October 2009: connection of rural postal offices and opening of electronic remittances services </li></ul><ul><li>Large contribution in cash and kind of African Designated Postal Operators </li></ul>
  8. 8. <ul><li>UPU-IFAD African regional project </li></ul><ul><li>Total number of inhabitants: 43 530 126 </li></ul><ul><li>Number of inhabitance in rural areas: 28 742 470 </li></ul><ul><li>Covering all of the territories of the six countries, including all rural zones </li></ul>
  9. 13. <ul><li>Products/services offered in post offices in different regions </li></ul><ul><li>Domestic and international postal money order </li></ul><ul><li>Pension payments </li></ul><ul><li>Payment accounts </li></ul><ul><li>Debit and credit cards </li></ul><ul><li>Savings </li></ul><ul><li>Credit </li></ul><ul><li>Mutual funds </li></ul><ul><li>Insurances </li></ul><ul><li>Bill payments </li></ul><ul><li>(Permanent post offices network, mobile post offices, Internet banking, ATM, etc.) </li></ul>
  10. 14. Kazakhstan Post Bank Social payments (pension, etc.) Bill payments Salary payments Lending Opening & management of accounts Others (currency excange, credit cards, investment products) Money orders 7% 24% 10% 10% 3,0% 1% 42% - “Banking” products account for >15 % - PFS products account for > 42% - Total number of postal accounts > 3 M (20% of population) Cash transportation 3%
  11. 15. Brazil: Evaluating Access 2005 Semi-deciles of GDP per capita Poorest Richest
  12. 16. <ul><li>Population: 180 M </li></ul><ul><li>More than 40% of municipalities without banks in 2002 </li></ul><ul><li>8.2 M newly banked people from 2002 to 2009 </li></ul><ul><li>5,973 branches/PO </li></ul>Brazilian Postal Bank: the bank that gets where no other bank has been Strategy: first open in communities/municipalities without banks = Geographic financial inclusion
  13. 17. e-pension e-paiement e-banking e-finance e-bourse e-transfert e-mandat On-line Solutions E-sicav e-guichet e-douane e-Poste
  14. 19. Thank you for your attention Serguei Nanba Coordinator Postal Financial Services Tel: + 41 31 350 32 16 Fax: + 41 31 350 31 10 E-mail: