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Global Panorama on Postal Financial Inclusion 2016
Global Panorama on Postal Financial Inclusion 2016 Published by the Universal Postal Union (UPU) Berne, Switzerland Printed in Switzerland by the printing services of the International Bureau of the UPU Copyright © 2016 Universal Postal Union All rights reserved Except as otherwise indicated, the copyright in this publication is owned by the Universal Postal Union. Reproduction is authorized for non-commercial purposes, subject to proper acknowledgement of the source. This authorization does not extend to any material identified in this publication as being the copyright of a third party. Authorization to reproduce such third party materials must be obtained from the copyright holders concerned. AUTHORS: Nils Clotteau Bsrat Measho TITLE: Global Panorama on Postal Financial Inclusion 2016 ISBN: 978-92-95025-87-5 DESIGN: UPU graphic arts Unit CONTACT: Nils Clotteau, UPU EMAIL: [email protected] TELEPHONE: +41 31 350 35 66 The boundaries used on the maps in this publication do not imply official endorsement or acceptance by the United Nations or the UPU Global Panorama on Postal Financial Inclusion 2016 Nils Clotteau Bsrat Measho AKNOWLEDGEMENTS This report was written by Mr Nils Clotteau and Ms Bsrat Measho, from the Financial Inclusion team within the Development Cooperation Directorate of the Universal Postal Union. We would like to thank Ms Nadine Chehade and Ms Alice Negre, from the Consultative Group to Assist the Poor (CGAP), and Ms Mehrsa Baradaran, Associate Professor of Law at University of Georgia School of Law, for their time and expertise during the external peer review process. We are also very grateful to Mr José Ansón, UPU Economist, for his comments during the preparation of the questionnaire and the internal peer review as well as the UPU colleagues involved in the preparation of this book, particularly Ms Sonja Denovski and Mr Rémy Pedretti for the final layout. -
Union Postale Has Been Reporting News from the International Postal Sector for the Benefit of Stakeholders Across the Industry
Moving the postal sector forward since 1875 MARCH 2011 No 1 IFAD president on remittances E-substitution’s many faces Clipping the wings of revenue loss Isn’t it time you subscribed? Since 1875, Union Postale has been reporting news from the international postal sector for the benefit of stakeholders across the industry. These include regulators, chief executives, operational experts, post-office employees, strategic thinkers, suppliers, academics, philatelists and anyone else with a keen interest in Posts. Help Union Postale celebrate its 135th birthday Moving the postal sector forward since 1875 by joining the ranks of thousands of satisfied MARCH 2011 N o IFAD president on 1 remittances readers. Sign up now for four issues a year of this E-substitution’s many faces full-colour, high-quality magazine in one of seven languages. Private subscribers anywhere in the world can subscribe for CHF50 a year. Special discount rates Clipping the wings of apply to Posts from UPU member countries. revenue loss Fax us your order now on +41 31 350 37 11 or email us at [email protected] with the following details: Name Language version desired: Position English Organization/Operator French Full postal address Arabic Chinese German E-mail address Russian Telephone Spanish Fax Contents Cover story Revenue protection takes centre stage The UPU’s Consultative Committee is helping Posts to stop losing money 12 Feature Electronic substitution: a shifting story A look at the state of research on a game-changing phenomenon 9 People Moving the postal sector -
The African Postal Financial Services Initiative a Success Story on Remittances at the Post Office in Africa
The African Postal Financial Services Initiative A success story on remittances at the post office in Africa Implemented by: In partnership with: UNIVERSAL POSTAL UPU UNION The opinions expressed in this publication are those of the authors and do not necessarily represent those of the International Fund for Agricultural Development (IFAD) and its partners, or the governments they represent. IFAD and its partners do not guarantee the accuracy of the data included in this report. The boundaries, colours, denominations and other information shown on any map in this publication do not imply any judgement on the part of IFAD and its partners concerning the legal status of any territory or the endorsement or acceptance of such boundaries. The designations “developed” and “developing” countries are intended for statistical convenience and do not necessarily express a judgement about the stage reached by a particular country or area in the development process. © by the International Fund of Agricultural Development (IFAD) March 2018 Table of contents Abbreviations ............................................................................................... 2 Acknowledgements ....................................................................................... 3 Foreword .................................................................................................... 4 1 Introduction ............................................................................................ 7 2 Results achieved: Highlights .................................................................... -
Cash Country Service Listing April 2014
® WorldLink Payment Services Cash Country Service Listing April 2014 WorldLink® Cash payments is currently offered through Western Union and is thus required to follow the requirements and regulations of within the destination country of your beneficiary. Failure to meet those requirements will result in the payment being rejected. The information provided in the WorldLink Cash Country Service Listing includes updates sent to Western Union prior to:April 2014. The material contained in this Cash Country Service Listing is for informational purposes only, and is provided solely as a courtesy by WorldLink. Although WorldLink believes this information to be reliable, WorldLink makes no representation or warranty with respect to its accuracy or completeness. The information in this Cash Country Service Listing does not constitute a recommendation to take or refrain from taking any action, and WorldLink is not providing any tax, legal or other advice. Citigroup and its affiliates accept no liability whatsoever for any use of this material or any action taken based on or arising from anything contained herein. The information in this Cash Country Service Listing is subject to change at any time according to changes in local law. WorldLink is not obligated to inform you of changes to local law. Citibank Europe plc (“Citibank Europe”) may, at its discretion, reasonably modify or amend this Cash Country Service Listing from time to time, which modification or amendment will become binding when your organization receives a copy of it. These materials are confidential and proprietary to Citigroup or its affiliates and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval system nor should the materials be disclosed to third parties without our express written authorization. -
Développer L'inclusion Financière En Favorisant L'accès À L'assurance
Développer l'inclusion financière en favorisant l'accès à l'assurance – le rôle des réseaux postaux Publié par l’Union postale universelle (UPU) Berne (Suisse) et l'Organisation internationale du travail (OIT) Genève (Suisse) Imprimé en Suisse par le Bureau international de l’Union postale universelle Copyright © 2016 Union postale universelle Tous droits réservés Sauf mention contraire, l’Union postale universelle détient les droits de propriété intellectuelle de la présente publication. La reproduction est autorisée à des fins non commerciales, sous réserve d’indication des sources en bonne et due forme. Cette autorisation ne couvre pas les éléments de cette publication identifiés comme étant la propriété intellectuelle d’un tiers. Pour reproduire ces derniers, il est nécessaire d’obtenir l’au- torisation des détenteurs des droits de propriété intellec- tuelle concernés. AUTEUR: Guilherme Suedekum TITRE: Développer l'inclusion financière en favorisant l'accès à l'assurance – le rôle des réseaux postaux ISBN: 978-92-95025-84-4 DESIGN: UPU Graphic Unit CONTACT: Nils Clotteau, UPU, [email protected] Craig Churchill, ILO, [email protected] PHOTO DE COUVERTURE: © 2009 Indian Post La présente étude est le fruit des efforts conjoints déployés par l'Organisation internationale du travail (OIT) et l'Union postale universelle (UPU). Elle a été élaborée par Guilherme Suedekum, consultant indépendant spécialisé dans l'inclusion financière, qui a pu compter sur le soutien et les conseils de Craig Churchill, responsable d'équipe au programme Impact -
World Bank Document
69463 Public Disclosure Authorized The Role of Postal Networks in Expanding Access to Financial Services Worldwide Landscape of Postal Financial Services Africa Region Public Disclosure Authorized The World Bank Group Global Information and Communication Technology Postbank Advisory, ING Bank Postal Policy Public Disclosure Authorized Public Disclosure Authorized Author’s Note This section discusses the landscape of postal networks in the African region1 and their current role of postal networks in providing access to financial services. The landscape is intended to serve as a basis to assess the potential role to expand access to financial services. For some aspects and some countries data did not seem to be available or was available only to a limited extent. In particular, this was the case for data on the role of the postal networks in cashless payment systems, the significance of the postal financial services compared to monetary aggregates, and the details of the financial services rendered through the post offices. For several countries—Sudan, Central African Republic, Mali, and Sierra Leone—data on the services and their organizations was not yet available. On the other hand, in the course of the desk research in 2004, other countries that were not included in the list of 24 countries were found to have postal networks with an active role in financial services, e.g., Angola, Burundi, Mozambique, Ethiopia, and Madagascar. While this African regional landscape can stand alone, it is an integral part of this large study of the potential of postal networks to coordinate with financial service providers in 5 regions (Africa, Asia, Eastern Europe and Central Asia, Latin America and the Caribbean, and the Middle East and Northern Africa) and 7 countries (Egypt, Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and Vietnam). -
DMM Advisory Keeping You Informed About Classification and Mailing Standards of the United States Postal Service
July 2, 2021 DMM Advisory Keeping you informed about classification and mailing standards of the United States Postal Service UPDATE 184: International Mail Service Updates Related to COVID-19 On July 2, 2021, the Postal Service received notifications from various postal operators regarding changes in international mail services due to the novel coronavirus (COVID-19). The following countries have provided updates to certain mail services: Mauritius UPDATE: Mauritius Post has advised that the Government of Mauritius has announced the easing of COVID-related restrictions as of July 1, 2021, subject to strict adherence to sanitary protocols and measures. On July 15, 2021, Mauritius will gradually open its international borders. However, COVID-19 continues to have a direct impact on international inbound and outbound mails to and from Mauritius. Therefore, the previously announced provisions and force majeure continue to apply for all inbound and outbound international letter-post, parcel-post and EMS items. New Zealand UPDATE: New Zealand Post has advised that the level-2 alert in the Wellington region has ended as of June 29, 2021. Panama UPDATE: Correos de Panama has advised that post offices, mail processing centers (domestic and international) and the air transhipment office at Tocúmen International Airport are operating under normal working hours and the biosafety measures established by the Ministry of Health of Panama (MINSA). Correos de Panamá confirms that it is able to continue to receive inbound mail destined for Panama. However, Correos de Panama is unable to guarantee service standards for inbound and outbound mail. As a result, force majeure with respect to quality of service for all categories of mail items will apply until further notice. -
POSTAL SAVINGS Reaching Everyone in Asia
POSTAL SAVINGS Reaching Everyone in Asia Edited by Naoyuki Yoshino, José Ansón, and Matthias Helble ASIAN DEVELOPMENT BANK INSTITUTE Postal Savings - Reaching Everyone in Asia Edited by Naoyuki Yoshino, José Ansón, and Matthias Helble ASIAN DEVELOPMENT BANK INSTITUTE © 2018 Asian Development Bank Institute All rights reserved. First printed in 2018. ISBN: 978 4 89974 083 4 (Print) ISBN: 978 4 89974 084 1 (PDF) The views in this publication do not necessarily reflect the views and policies of the Asian Development Bank Institute (ADBI), its Advisory Council, ADB’s Board or Governors, or the governments of ADB members. ADBI does not guarantee the accuracy of the data included in this publication and accepts no responsibility for any consequence of their use. ADBI uses proper ADB member names and abbreviations throughout and any variation or inaccuracy, including in citations and references, should be read as referring to the correct name. By making any designation of or reference to a particular territory or geographic area, or by using the term “recognize,” “country,” or other geographical names in this publication, ADBI does not intend to make any judgments as to the legal or other status of any territory or area. Users are restricted from reselling, redistributing, or creating derivative works without the express, written consent of ADBI. ADB recognizes “China” as the People’s Republic of China. Note: In this publication, “$” refers to US dollars. Asian Development Bank Institute Kasumigaseki Building 8F 3-2-5, Kasumigaseki, Chiyoda-ku Tokyo 100-6008, Japan www.adbi.org Contents List of illustrations v List of contributors ix List of abbreviations xi Introduction 1 Naoyuki Yoshino, José Ansón, and Matthias Helble PART I: Global Overview 1. -
Forum (Virtual) 11Th June, 2021 PAPU/CEOF/I/2021 – Doc
Original : English 1st PAPU CEO Forum (Virtual) 11th June, 2021 PAPU/CEOF/I/2021 – Doc. No.6 REPORT OF THE 1ST PAPU CEO FORUM (39th Administrative Council Agenda item No.9c)) 1. Subject References/Paragraphs Observations Report of the 1st PAPU CEO Forum Agenda of the 1st PAPU CEO Forum PAPU/CEOF/I/2021 – Doc. No.1 2. Decisions Expected Take note of the report; 39th Administrative Council Agenda No. Provide input, if any; PAPU/AC/XXXIX/2021 - Doc No.1 Rev1 Adopt the report. 1. Introduction/background The 1st PAPU Postal CEO Forum was held virtually on 11th June, 2021 from 09:00 GMT. The Forum was chaired by Egypt and Botswana was the Vice Chairman after being appointed by the Forum. The General Secretariat performed the role of the rapporteur. 2. Participation The following Members participated during the Forum: 2.1 PAPU Member States : Algeria, Angola, Botswana, Burkina Faso, Cameroon, Congo Republic, Côte d’Ivoire, Democratic Republic of Congo (DRC), Egypt, Ghana, Kenya, Madagascar, Morocco, Namibia, Nigeria, Senegal, South Africa, Tanzania, Tunisia, Uganda, Zambia and Zimbabwe. 2.2 Other Organizations : Universal Postal Union (UPU), African Union Commission (AUC) and Southern Africa Postal Operators Association (SAPOA. A detailed list of participants is herewith attached as Annex 1. 3. Opening remarks The Opening remarks were made by the following dignitaries: 1 3.1 The Pan African Postal Union (PAPU) Secretary General, Mr. Younouss Djibrine; 3.2 Director General of the Universal Postal Union (UPU), Mr. Bishar Hussein; 3.3 The African Union Representative (AUC), Mr. Christian Minoungou; 3.4 The Chairman of Egypt Post, Dr. -
Principles of Eu Postal Regulation and Implications for the Future
PRINCIPLES OF EU POSTAL REGULATION AND IMPLICATIONS FOR THE FUTURE UPS 9 JUNE 2020 AUTHORS Anna Möller Boivie Bruno Basalisco Henrik Ballebye Okholm Mindaugas Cerpickis Stephanie Tizik PREFACE The European postal regulatory framework dates back to the early 1990s and the Green paper on the development of a single market for postal services. This document laid the foundation for the development of the first Postal Services Directive in the European Union (EU) entering into force in 1997. It was later updated by means of a second and a third Postal Services Directive in 2002 and 2008, respectively. Thus, more than ten years have now passed since the adoption of the current regulatory framework – and postal and delivery markets throughout the EU have developed signifi- cantly since then. In March 2020, the European Commission published an evaluation roadmap, outlining the context, purpose and scope of its evaluation of the existing Postal Services Directive. In time for this process, UPS has asked Copenhagen Economics to investigate whether the current market reality warrants more sector-specific regulation on top of the existing EU postal regulatory framework. More specifi- cally, we have been asked to analyse evidence relevant for policymakers’ decision on whether there is a need for additional regulation of the delivery of e-commerce packets and parcels – regulation which would be on top of the provisions already included in the existing Postal Services Directive and other, complementary, regulatory frameworks. The report is structured as follows: In chapter 1, we provide a brief overview of the background for the report and our assignment. -
Singpost's Associate
CFA Institute Research Challenge hosted by CFA Society Singapore National University of Singapore Singapore Post Ltd Initial Opinion SELL Equity | Singapore | Industrials, Logistics 30 January 2015 Initiate at Sell; Stalling Cash Cow, Declining Albus Securities Margins Chia Guo Cong +65 9877 2219 Albus Securities (NUS Singapore) [email protected] Initiate Sell with S$1.51 PT Chiu Haidee +65 8393 1373 We initiate coverage on Singapore Post with a Sell rating and $1.51 price target. We see much lower margins than the street (FY17e operating margin of 17.7% vs street’s 19.2%) for 2 reasons. Albus Securities (NUS Singapore) [email protected] Firstly, mail margins are on a structural decline due to reducing economies of scale on lower volumes. Secondly, low margins in logistics are unlikely to lift off, as intensifying competition Goh Shi Bin +65 8399 4138 from better positioned rivals restrains SingPost’s logistics volume growth, and consequently Albus Securities (NUS Singapore) logistics margins due to high operating leverage. Disappointing logistics volumes lead to slower [email protected] revenue growth through FY17 (10% p.a. vs street’s 12%). Finally, market optimism over the Yap Chew Guan +65 9139 9438 SingPost-Alibaba JV (as reflected in the 40x PE of the logistics segment) is unlikely to fully deliver, Albus Securities (NUS Singapore) as SingPost is at a disadvantageous position in competing for Alibaba’s volumes between China [email protected] and ASEAN/ANZ. Yong Guo Hao +65 9117 6016 Albus Securities (NUS Singapore) Core mail business afflicted with structurally declining margins [email protected] The margin of the core business (63%-84% of group OP) has fallen by 10ppt over the past 8 years, and we foresee a further 8ppt loss over the next decade. -
Transportation and Storage Division 53: Postal and Courier Activities
OCCUPATIONAL FRAMEWORK SECTION H: TRANSPORTATION AND STORAGE DIVISION 53: POSTAL AND COURIER ACTIVITIES Department of Skills Development Ministry of Human Resources, Malaysia First Printing 2019 Copyright Department of Skills Development Ministry of Human Resources, Malaysia 2019 All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical including photocopy, recording or any information storage and retrieval system, without permission in writing from Department of Skills Development Ministry of Human Resources, Malaysia Published in Malaysia by Department of Skills Development (DSD) Ministry of Human Resources Level 7-8, Block D4, Complex D Federal Government Administrative Centre 62530 Putrajaya, Malaysia http://www.dsd.gov.my Printed by Golden Global Network (SA0124636-K) No. 11, Jalan Reko Sentral 2, Taman Reko Sentral, 43000 Kajang, Selangor Tel: 03-8740 3420 Fax: 03-8739 8249 Perpustakaan Negara Malaysia Cataloguing-in-Publication Data Occupational Framework Postal and Courier Service Activities ISBN 978-967-2393-03-0 ii ABSTRACT An Occupational Framework (OF) is the outcome of Occupational Analysis (OA) of identifying the work scope of the occupational areas in terms of competencies. It is used to analyse skilled human resource competency requirement for the industry. The development of the Occupational Structure (OS) is a preliminary process in developing relevant National Occupational Skills Standard (NOSS). The NOSS in turn will be developed to be used as the basis to conduct skills training and certification of competent personnel. This document is divided into five chapters. The first two chapters being an industrial overview highlighting the definition and scope of the industry, the current analysis of the local industry and its skilled worker requirements, Government bodies and development plans supporting the growth of the industry.