Coordination & Incentive Issues in Pakistan's Mobile Banking Industry PDF Download
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Author: A T Ali Tughral
Publisher: LAP Lambert Academic Publishing
ISBN: 9783659794476
Category :
Languages : en
Pages : 84
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Book Description
With the launch of easypaisa by Telenor Pakistan in 2009, the Pakistani market experienced its first taste of Mobile Banking services. For a population of 200 million with banking penetration as low as 18% and mobile penetration as high as 75%, the easypaisa service proved to a God send. Within a year of launch, easypaisa started seeing millions of transactions a month and exponential growth in revenue. A new industry had been born in Pakistan! This success very quickly brought in competition from other Mobile Network Operators and Banks, all racing to enter the newly created industry with the business model they thought was best. The key question though remained: who owned the customer? This book attempts to answer that question and also explores the incentive and coordination issues that came with each choice of business model.
Author: A T Ali Tughral
Publisher: LAP Lambert Academic Publishing
ISBN: 9783659794476
Category :
Languages : en
Pages : 84
Get Book Here
Book Description
With the launch of easypaisa by Telenor Pakistan in 2009, the Pakistani market experienced its first taste of Mobile Banking services. For a population of 200 million with banking penetration as low as 18% and mobile penetration as high as 75%, the easypaisa service proved to a God send. Within a year of launch, easypaisa started seeing millions of transactions a month and exponential growth in revenue. A new industry had been born in Pakistan! This success very quickly brought in competition from other Mobile Network Operators and Banks, all racing to enter the newly created industry with the business model they thought was best. The key question though remained: who owned the customer? This book attempts to answer that question and also explores the incentive and coordination issues that came with each choice of business model.
Author: Tughral Turab Ali
Publisher:
ISBN:
Category :
Languages : en
Pages : 78
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Book Description
With the introduction of Branch less Banking regulations in 2008 by the State Bank of Pakistan a new opportunity for banks and telecoms was created to service the needs of the 85% of Pakistanis who lacked any formal or informal access to Financial Services. The first mover in this space was easypaisa, formed when a telecom company bought a microfinance bank. Its enormous success in the Utility Bill Payments and Domestic Remittances space attracted several other players to rush into the market with their own business models. These models varied in their choice of collaboration, from telecoms buying the bank outright to go-alone solutions by some banks. This thesis explores the coordination and incentive issues that may arise from the different types of collaborations between Telecoms and Banks to address this opportunity. The study also looks at the distribution channels for these firms and identifies some of the challenges the design of channels may result in. The thesis ends by making some recommendations on how these frictions and tensions may be minimized.
Author: Nizar Jetha
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 152
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Book Description
Study focusing mainly on the relationship between taxation and the three main components of saving (public, personal and business savings) with emphasis on tax reform to raise additional revenue.
Author: Sameer Kochhar
Publisher: Skoch Media Pvt Ltd
ISBN: 8192917215
Category : Economic development
Languages : en
Pages : 188
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Book Description
Nandan Nilekani earned his place as an iconic entrepreneur in India in the 1980s, having co-founded Infosys Limited in 1981. In the post-economic liberalisation era, he cemented his reputation as a pioneer in the corporate and information technology world, just as he helped launch Infosys into the big league of world’s IT-enabled services companies. He served as the company’s Chief Executive Officer from 2001 to 2007. At the fag end of his career in Infosys, Nilekani wrote a best-selling book in 2009, Imagining India: the Idea of a Nation Renewed. The book is widely acclaimed for heralding a new, idea-based approach to meet the present and future challenges facing India. It spelt out the theoretical framework for the provision of a unique identity for all its citizens as an important step towards putting, what Nilekani called, “human capital front and center as the main driver of productivity and growth”. His long experience in the corporate world and his passion for the citizen empowerment—as proved in the successful Bangalore Agenda Task Force experiment started in 1999 as well as enunciated in his 2009 book—made him the natural choice to be the first chairman of the Unique Identification Authority of India (UIDAI) that was being set up by the Union government to provide residents of India with a unique identity and a digital platform—known as the Aadhaar. Nilekani left Infosys to head the UIDAI in July 2009. In five years, Aadhaar has transformed India’s approach to socio-economic justice and equity, and became the lynchpin to the government’s welfare programmes that seek to achieve these goals. It also set the stage for an efficient and transparent mechanism to monitor government programmes, which is crucial to cut waste and slippage in order to maintain fiscal prudence at the national level. The authors of the essays in this volume are accomplished experts in their respective fields. Together, they piece together a wide range of issues relevant to India’s present and future: fiscal and monetary policies, political and economic governance, financial sector reforms, financial inclusion, urban development, corporate governance, competitive markets, food security, national security, public policy advocacy and information & communication technology. The volume not only offers clear-cut analyses on these topics, but also a clear vision for the future.
Author: S. Akbar Zaidi
Publisher: Oxford University Press, USA
ISBN:
Category : Business & Economics
Languages : en
Pages : 552
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Book Description
This book is the main text for post-graduate courses on South Asia's development, economic history and on its political economy. For researchers on Pakistan's economy, it is the key source for reference, and covers a huge and diverse array of data, literature reviews, commentary and analysis.
Author: World Bank
Publisher:
ISBN:
Category : Economic assistance
Languages : en
Pages : 398
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Book Description
Author: Food and Agriculture Organization of the United Nations
Publisher: Food & Agriculture Org.
ISBN: 9789251034262
Category : Law
Languages : en
Pages : 260
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Book Description
Author:
Publisher: Mittal Publications
ISBN: 9788170991151
Category : Entrepreneurship
Languages : en
Pages : 366
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Book Description
Author: IBP, Inc.
Publisher: Lulu.com
ISBN: 1433038161
Category : Business & Economics
Languages : en
Pages : 446
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Book Description
2011 Updated Reprint. Updated Annually. Pakistan Banking & Financial Market Handbook
Author: Thorsten Beck
Publisher: World Bank Publications
ISBN:
Category : Banks and banking
Languages : en
Pages : 60
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Book Description
Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access.
