Comments on: Branchless banking in Brazil: making it work for small merchants http://technology.cgap.org/2010/02/05/branchless-banking-in-brazil-making-it-work-for-small-merchants/ How can technology increase the reach of microfinance? Mon, 06 Feb 2012 18:55:24 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Point of Sales (POS) Devices in Microfinance | Red Cloud Money Blog http://technology.cgap.org/2010/02/05/branchless-banking-in-brazil-making-it-work-for-small-merchants/comment-page-1/#comment-2849 Point of Sales (POS) Devices in Microfinance | Red Cloud Money Blog Mon, 22 Nov 2010 19:45:31 +0000 http://technology.cgap.org/?p=2081#comment-2849 [...] of advanced POS devices is not limited to receiving loan payments – services offered include withdrawal, utility bill payments, balance [...] [...] of advanced POS devices is not limited to receiving loan payments – services offered include withdrawal, utility bill payments, balance [...]

]]> By: Solomon Ngugi http://technology.cgap.org/2010/02/05/branchless-banking-in-brazil-making-it-work-for-small-merchants/comment-page-1/#comment-2195 Solomon Ngugi Tue, 29 Jun 2010 09:42:57 +0000 http://technology.cgap.org/?p=2081#comment-2195 This is a win win situation for both the bank , merchants and customers. This is a win win situation for both the bank , merchants and customers.

]]> By: Autazes and agent banking in Brazil: CGAP’s insights « Postal Financial Inclusion http://technology.cgap.org/2010/02/05/branchless-banking-in-brazil-making-it-work-for-small-merchants/comment-page-1/#comment-1750 Autazes and agent banking in Brazil: CGAP’s insights « Postal Financial Inclusion Sat, 06 Feb 2010 20:12:21 +0000 http://technology.cgap.org/?p=2081#comment-1750 [...] Post #2: Making it work for small merchants [...] [...] Post #2: Making it work for small merchants [...]

]]> By: Santanu Sengupta http://technology.cgap.org/2010/02/05/branchless-banking-in-brazil-making-it-work-for-small-merchants/comment-page-1/#comment-1748 Santanu Sengupta Sat, 06 Feb 2010 09:08:29 +0000 http://technology.cgap.org/?p=2081#comment-1748 Dea Sarah Rotman, The observations are true in the case of faliure to pump up BC BF MODEL in our inclusive banking model in India too. The risks and hassles are too many vis a vis the rewards.It is compounded as the CSC - the Common Services Centres under the National E governance programme has come out with almost 40000 plus such centres,( out of projected 100000) with varying degree of services integarted so far . But strangely they have not been included in getting enabled to allow financial services due to various policy gliteches and regulatory issues. As the enterpreneur is finding it hard even after 6 months of moratorium, to service their EMIs to the banks offering them the loan under a structured arrangement due to non integration or delayed integartion of other services they are suffering heavily and forming pressure groups. That brings to the fore the question of long term sustainability comparison with M pesa or Smart or G Cash in Phillipines,or Wing in Cambodia. Are they realy being sustainable or is it a sustainability curve that has a different break even point in different countries dependent on the relative level of financial deepening in the country. Is their any such benchmark developed or is it too early to talk about any benchmark as yet. Some clarification will be welcome. Best Regards Santanu Dea Sarah Rotman,

The observations are true in the case of faliure to pump up BC BF MODEL in our inclusive banking model in India too. The risks and hassles are too many vis a vis the rewards.It is compounded as the CSC – the Common Services Centres under the National E governance programme has come out with almost 40000 plus such centres,( out of projected 100000) with varying degree of services integarted so far . But strangely they have not been included in getting enabled to allow financial services due to various policy gliteches and regulatory issues.

As the enterpreneur is finding it hard even after 6 months of moratorium, to service their EMIs to the banks offering them the loan under a structured arrangement due to non integration or delayed integartion of other services they are suffering heavily and forming pressure groups.

That brings to the fore the question of long term sustainability comparison with M pesa or Smart or G Cash in Phillipines,or Wing in Cambodia. Are they realy being sustainable or is it a sustainability curve that has a different break even point in different countries dependent on the relative level of financial deepening in the country. Is their any such benchmark developed or is it too early to talk about any benchmark as yet.

Some clarification will be welcome.

Best Regards
Santanu

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