SAP – Helping the world run Better - Munich Re · PDF fileSAP – Helping the world run Better . ... Citycell and Banglalink using SMS, ... Vision, Mission, and Strategy

SAP – Helping the world run Better Guruprasad Gaonkar, Head of Financial Services Industry, SAP South East Asia November, 2013

© 2013 SAP AG. All rights reserved. 2 Confidential

Purpose Vision Mission

Our Context Our Challenges

Our 2 questions

You Company Priorities

Transformation

Scope & Scale

Attitude & Altitude

Industrialization

Humble Celebration

Thinking Big

Understanding vs. Learning

Personality vs. Character

The journey of You

SAP SAP, and our shared responsibility to help the world run better

© 2013 SAP AG. All rights reserved. 4

I make enough money to send my kids to school.

I am confident that my aircraft is safe to fly on.

I have total confidence in my hospital treatment.

A better run world powered by innovations from SAP is already taking shape

My family can afford necessities, even in tough times

My child is safe from recalled items.

Every product I use in my house is safe and reliable.

My utility companies help me use less energy.

The power of business solves social problems.

I get humanitarian aid and assistance quickly.

I have a secure place to keep my money.

Solutions People Results Purpose Innovations Ecosystem Join Us Imagine Home Purpose

© 2013 SAP AG. All rights reserved. 5

Standard Bank ( South Africa) brings Financial Services to Over Half a Million people (Video)

South East Asia Market Context


South East Asia Headlines

60% of South East adult population is Unbanked

In 2010 international migrants worldwide was 213 million, of whom 28% were located in Asia

US$325 billion is the remittances sent home by international migrants are a bigger source of foreign income than Overseas Development Assistance

600 Million Mobile subscriptions‘ with more than 100% penetration

rate

One in three mobile phone is a smartphone

Rural Financial Services

Domestic Remittance

International Remittance Transfer


Indonesia Context: Need for risk coverage


Indonesia’s progressive steps towards Inclusive Financial Services:

20% of the total population have bank accounts

50% have access to non-banking financial Institutions

30% with no access to any form of Financial Services

246.9 Mil Population (2012)

Inclusive Financial Services Financial Institutions & Telco’s enabled by SAP Solutions in Asia & Globally are already taking the leap


Affordability

Convenience

Simplicity

Dignity

Cost Effectiveness/Security

Standard Bank ( South Africa) - Inclusive Financial Services


Dutch Bangla Bank( DBBL Bangladesh) - Inclusive Financial Services

Mobile Money Services

Bangladesh: 100M population, 13% banked, 45% mobile users

Branch initiated services – agent registration, cash in/out

Agent initiated services – customer registration, cash-in/out

Customer initiated services – balance, P2P

Head office initiated services – disbursements

Across telcos – Citycell and Banglalink using SMS, IVR and USSD


Dutch Bangla Bank( DBBL Bangladesh) - Inclusive Financial Services Video


BTPN (Indonesia) - Unbanked & Micro Finance

Services • SVA Account • Balance enquiry and

Transaction History • Bill Payment and Airtime

Reload • Funds Transfer • Cash in and Cash out @

ATM and Agents • Data extraction for

Datawarehouse

Next Stage • Additional Billers • Rich Client • Bank customers

Mobile Channels • USSD


CIMB Niaga ( Indonesia) - Mobile Banking for the UnderBanked

Services • Balance • Transaction History • Bill Payment – 50 billers • Funds Transfer • AirTime Reload

Next Stage • SVA Account • Alerting • Cash-In, Cash-Out @ATM • Additional Billers • Dormant Account • Additional Reports

Mobile Channels • iPhone, Blackberry, J2ME


HBL ( Pakistan) - Inclusive Financial Services & Remittances


HBL ( Pakistan) - Inclusive Financial Services & Remittances ( Video)


Celcom ( Malaysia) - Money Money & Transfers

Top up their wallet from any Bank account.


Ufone’s Ubank ( Pakistan) - Inclusive Financial Services



Inclusive Financial Services Success in Indonesia & ASEAN

• Over 1,400,000 new customers (14 months since LAUNCH)

• Currently signing on average of 100,000 customers a month.

• All managed from a single mobile technology platform at the lowest unit cost per customer

• Over 55 Million USD collected in deposits.

• Planning to have 10 million new accounts by the 2013/14.

• Largest South African Retail and Commercial Bank

• 22 million South Africans earn less than R3000 a month – 66% of these are unbanked

• 60% of the adults banked in 2008

• Approx. 15m people unbanked or under-banked

Summary Key Messages, Helping the world run better, and improving people’s lives


Key Messages

• Financial Institutions, and regulators in Asia have already taken the first steps towards “Inclusive Financial Services”

• Provides a “proven model” that drives customer acceptance and adoption through education, ease of use & service choices available for customer segments

• Technology platform today delivers end-to-end services at the lowest unit cost per customer, scales to high volume growth and inter-operates with a wide variety of stakeholder / participants

• The success of micro-insurance programs in Asia can be accelerated with the integration into these existing financial inclusion ecosystem & infrastructure


Vision, Mission, and Strategy - We share a common objective with “Inclusive Financial Services”

• SAP’s vision is to help the world run better and improve people’s lives

• SAP aim’s to see one billion people interacting with our software.

Helping the World Run Better

Thank you

Guruprasad Gaonkar, Head of Financial Services Industry ( SAP South East Asia) [email protected]

Documents

SAP – Helping the world run Better - Munich Re · PDF fileSAP – Helping the world run Better . ... Citycell and Banglalink using SMS, ... Vision, Mission, and Strategy