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Mapping of Potential Financial Services Distribution Channels in SADC

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Mapping of Potential Financial Services Distribution Channels in SADC Mapping of potential financial services distribution channels in SADC August 2013 A FinMark Trust report prepared by Redflank under the auspices of Cenfri Page 2 of 152 Table of Contents 1 INTRODUCTION .......................................................................................................................... 7 1.1 BACKGROUND AND CONTEXT TO THIS STUDY ............................................................................. 7 1.2 OBJECTIVES OF THE STUDY ...................................................................................................... 8 1.3 SETTING SOME BASELINES ....................................................................................................... 9 1.4 DATA SOURCES ..................................................................................................................... 13 1.5 APPROACH AND METHODOLOGY ............................................................................................. 13 1.6 REPORT STRUCTURE AND USE ............................................................................................... 15 2 SUMMARY FINDINGS ............................................................................................................... 16 3 FINDINGS ACROSS SADC COUNTRIES .................................................................................. 17 3.1 INTRODUCTION ...................................................................................................................... 17 3.2 ESTABLISHED SADC COUNTRIES VS. EMERGING SADC COUNTRIES ........................................ 17 3.3 OPPORTUNITY MAPPING AND RECOMMENDATIONS ................................................................... 18 3.4 REACH ASSESSMENT ............................................................................................................. 24 3.5 FEASIBILITY ASSESSMENT ...................................................................................................... 28 3.6 CHANNEL FINDINGS ............................................................................................................... 29 3.7 SUMMARY OPPORTUNITIES AND RECOMMENDATIONS ............................................................... 32 4 OUTLINE OF ANALYSIS CONDUCTED AT COUNTRY LEVEL ............................................... 35 5 ANGOLA .................................................................................................................................... 39 5.1 FINANCIAL SERVICES ............................................................................................................. 40 5.2 CHANNELS ............................................................................................................................ 41 6 BOTSWANA .............................................................................................................................. 46 6.1 FINANCIAL SERVICES ............................................................................................................. 47 6.2 CHANNELS ............................................................................................................................ 48 7 DEMOCRATIC REPUBLIC OF CONGO .................................................................................... 53 7.1 FINANCIAL SERVICES ............................................................................................................. 54 7.2 CHANNELS ............................................................................................................................ 55 8 LESOTHO .................................................................................................................................. 60 8.1 FINANCIAL SERVICES ............................................................................................................. 61 8.2 CHANNELS ............................................................................................................................ 62 9 MALAWI ..................................................................................................................................... 67 9.1 FINANCIAL SERVICES ............................................................................................................. 68 9.2 CHANNELS ............................................................................................................................ 69 10 MAURITIUS ............................................................................................................................ 74 10.1 FINANCIAL SERVICES ............................................................................................................. 75 10.2 CHANNELS ............................................................................................................................ 76 11 MOZAMBIQUE ....................................................................................................................... 80 11.1 FINANCIAL SERVICES ............................................................................................................. 81 11.2 CHANNELS ............................................................................................................................ 82 Page 3 of 152 12 NAMIBIA ................................................................................................................................. 87 12.1 FINANCIAL SERVICES ............................................................................................................. 88 12.2 CHANNELS ............................................................................................................................ 89 13 SEYCHELLES ........................................................................................................................ 94 13.1 FINANCIAL SERVICES ............................................................................................................. 95 13.2 CHANNELS ............................................................................................................................ 96 14 SOUTH AFRICA ................................................................................................................... 100 14.1 FINANCIAL SERVICES ........................................................................................................... 101 14.2 CHANNELS .......................................................................................................................... 102 15 SWAZILAND ......................................................................................................................... 107 15.1 FINANCIAL SERVICES ........................................................................................................... 108 15.2 CHANNELS .......................................................................................................................... 109 16 TANZANIA ............................................................................................................................ 114 16.1 FINANCIAL SERVICES ........................................................................................................... 115 16.2 CHANNELS .......................................................................................................................... 116 17 ZAMBIA ................................................................................................................................ 120 17.1 FINANCIAL SERVICES ........................................................................................................... 121 17.2 CHANNELS .......................................................................................................................... 122 18 ZIMBABWE .......................................................................................................................... 127 18.1 FINANCIAL SERVICES ........................................................................................................... 128 18.2 CHANNELS .......................................................................................................................... 129 19 REGULATORY ANALYSIS .................................................................................................. 135 20 ALTERNATIVE DISTRIBUTION CASE STUDIES ................................................................ 139 20.1 EDCON’S CREDIT AND INSURANCE DISTRIBUTION, .................................................................. 139 , 20.2 VODACOM’S M-PESA MOBILE MONEY SERVICES, ................................................................ 140 20.3 KILIMOSALAMA AGRICULTURAL INPUTS INSURANCE .............................................................. 140 20.4 STANDARD BANKS’ ACCESS POINTS .................................................................................... 141 20.5 KEY CONSIDERATIONS FOR ALTERNATIVE DISTRIBUTION ........................................................ 141 21 APPENDIX A: SPECIALIST CONSULTATIONS .................................................................. 144 22 APPENDIX B: DATA SOURCES FOR NUMBER OF DISTRIBUTION POINTS ................... 148 23 APPENDIX C: DATA SOURCES FOR SIZE OF MARKET SERVED ................................... 149 Page 4 of 152 Glossary The following is a listing of uncommon words, typically acronyms, used in this document. Area Extent of a country’s landmass. ATM An Automated Teller Machine is an electronic banking outlet, which allows customers to complete basic transactions without the aid of a branch representative
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