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IFC Mobile Money Study 2011 IFC ADVISORY SERVICES | ACCESS TO FINANCE IFC Mobile Money Study 2011 SRI LANKA In Partnership with the Republic of Korea IFC ADVISORY SERVICES | ACCESS TO FINANCE IFC Mobile Money Study 2011 SRI LANKA In Partnership with the Republic of Korea International Finance Corporation 2011. All rights reserved. 2121 Pennsylvania Avenue, N.W. Washington, DC 20433 Internet: www.ifc.org The material in this work is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly, and when the reproduction is for educational and non-commercial purposes, without a fee, subject to such attributions and notices as we may reasonably require. IFC does not guarantee the accuracy, reliability or completeness of the content included in this work, or for the conclusions or judgments described herein, and accepts no responsibility or liability for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content whatsoever or for reliance thereon. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of The World Bank or the govern- ments they represent. The contents of this work are intended for general informational purposes only and are not intended to con- stitute legal, securities, or investment advice, an opinion regarding the appropriateness of any investment, or a solicitation of any type. IFC or its affiliates may have an investment in, provide other advice or services to, or otherwise have a financial interest in, certain of the companies and parties (including named herein. All other queries on rights and licenses, including subsidiary rights, should be addressed to IFC’s Corporate Relations Department, 2121 Pennsylvania Avenue, N.W., Washington, D.C. 20433. International Finance Corporation is an international organization established by Articles of Agreement among its member countries, and a member of the World Bank Group. All names, logos and trademarks are the property of IFC and you may not use any of such materials for any purpose without the express written consent of IFC. Additionally, “International Finance Corporation” and “IFC” are registered trademarks of IFC and are protected under international law. Contents Foreword .................................................... ix 6. Conclusion .............................................32 Acknowledgments ..................................... xi Appendixes Abbreviations ........................................... xiii A. Fact Sheet and Demand Estimates ..................33 Summary ......................................................1 B. Persons Interviewed ........................................37 References .................................................38 1. Introduction .............................................4 2. Demand Perspective ................................5 Box Bill Payments (Utilities) .........................................6 3.1 Developments in Mobile Money Person-to-Person Transfers .....................................6 Regulations ................................................13 Formal versus Informal Transfers and Loans ..........7 Figures Government-to-Person Payments ..........................7 Public Transport ....................................................7 2.1 Potential Monthly Transactions in Key Other ....................................................................8 Mobile Money Market Segments in Sri Lanka .....................................................5 3. Parameters of the Mobile Money 2.2 Percentage of Overseas Sri Lankans Ecosystem ...................................................11 Reporting Various Means of Remittance Enabling Regulation ............................................11 Transfer .......................................................6 Existing Access to Financial Services ....................14 2.3 Percentage of Loans Issued by Formal and Existing Mobile Access and Market Situation ......16 Informal Institutions....................................7 2.4 Degree of Commuter Preference for 4. User Survey Findings .............................19 Mobile Phone–Based Ticket Sale and Survey Design .....................................................19 Purchase System ..........................................8 Respondent Identification ..................................19 3.1 Sri Lanka’s Mobile Money Market in the Socioeconomic Profile of Respondents ................20 Porteous Regulatory Environment Model ... 11 Profile of Mobile Money Use ...............................22 3.2 Poverty Rates and Bank Account General Use of Money .........................................23 Penetration in Selected South Asian Marketing and Advertising ..................................25 Countries ...................................................14 Attitudes and Perceptions ....................................25 3.3 Ratio of Average Bank Account Size to Conclusion .........................................................26 Income in Selected South Asian Countries .15 3.4 Credit and Debit Cards: Number of Cards 5. Business Models .....................................28 and Value of Transactions ..........................17 Existing Business Model: Dialog ........................28 3.5 Subscriber Market Shares of Sri Lanka’s Other Business Models ........................................28 Mobile Operators ......................................17 Challenges ...........................................................30 3.6 Sri Lanka’s 2G and 3G Coverage ................17 Potential Business Opportunities .........................30 3.7 Mobile Subscriber Growth and Mobile Risks ..................................................................30 Penetration ................................................18 vii viii IFC Mobile Money Study 2011: Sri Lanka 4.1 Types of Bank Accounts Held ....................20 4.16 Perceived Mobile Money Benefits ..............26 4.2 Mobile Phone Access to GPRS/Mobile 4.17 User Reasons for Mobile Money Usage ......26 Internet .....................................................20 4.3 Socioeconomic Characteristics of Mobile Tables Money Users and Nonusers ......................21 S.1 Mobile Money Opportunities in Sri Lanka ...3 4.4 Mobile Banking Service Provider ...............22 1.1 Distribution of Poorest 40 Percent of Sri 4.5 Mobile Money Services Used .....................22 Lanka’s Population by Province (%) .............4 4.6 Users’ Reported Level of Knowledge of 1.2 GDP per Capita in Various Southeast Mobile Banking Services ............................22 Asian Countries (US$) .................................4 4.7 Typical Bill Payment Channels ..................23 2.1 Potential Mobile Money Market Segments ....5 4.8 Knowledge of Bank Services Available 2.2 Formal Private Remittance Transfers through Branch .........................................23 from the Middle East, 2000–07 ..................6 4.9 Respondents Reporting High Level of 2.3 Volume of Financial Services Transacted at Knowledge of Various Financial Services Post Offices ..................................................9 and Channels .............................................24 3.1 Parameters Affecting the Success of 4.10 Cash Withdrawal Sources Used Most Mobile Money Services ..............................12 Frequently .................................................24 3.2 Access to Formal Financial Sector as a 4.11 Typical Cash Withdrawal Amounts ...........24 Percentage of Country Population .............14 4.12 Fund Transfer Destinations ........................25 3.3 Number of ATMs at Top Four Banks by 4.13 Preferred Source of Information on Province .....................................................16 Mobile Banking Services ............................25 4.1 Survey Locations .......................................19 4.14 Mobile Money Services in Which Users 5.1 Dialog Business Model ..............................29 Express High Interest .................................26 A.1 Fact Sheet ..................................................33 4.15 User Perceptions of Mobile Banking Fees ...26 A.2 Demand Estimates .....................................35 Foreword inancial inclusion—access to a range of Mobile technology is a channel that, once in financial services and products for every- place, allows for the delivery of other low-cost one needing them, in a fair, transparent, financial services bringing banking to unbanked Fand cost-effective manner—is a goal of IFC and underserved people. Mobile money—the (International Finance Corporation) and a prior- transfer of funds using cell phones—is an innova- ity of the Group of 20 development agenda. tive method for both individuals and small busi- nesses to transfer money. Mobile money is becom- IFC has committed to achieving greater financial ing common in developed countries for small, inclusion by 2013 by providing more diversified frequent payments such as mass transit fees. In financial services and by deepening outreach to some developing countries, it offers an opportu- microclients and small and medium enterprises.
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