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Erik Aelbers Access to Finance Expert Pacific Microfinance Week Nadi, Fiji, October 2013
Branchless Banking
Banks and non-banks (e.g. mobile network operator) the provider Use of agents and technology Opens up financial services to customers who may have been excluded, and who are typically poorer and less experienced
Source: Dias, Denise, and Katharine Mckee. 2010. Protecting Branchless Banking Consumers: Policy Objectives and Regulatory O ptions. Focus Note 64. Washington, D.C.: CGAP.
Client is pressured to buy products or Reducing opportunities for conduct transactions harmful conduct by agents Fees are not clearly disclosed to the client and/or agent charges unexpected or unauthorized fees Ensuring clear and effective disclosure
Source: Dias, Denise, and Katharine Mckee. 2010. Protecting Branchless Banking Consumers: Policy Objectives and Regulatory O ptions. Focus Note 64. Washington, D.C.: CGAP.
Ensuring clients have knowledge of and access to effective redress and complaint mechanisms
Source: Dias, Denise, and Katharine Mckee. 2010. Protecting Branchless Banking Consumers: Policy Objectives and Regulatory O ptions. Focus Note 64. Washington, D.C.: CGAP.
Thank you.