Banking
A Partnership with Pakistan
Branchless Banking Application
Proposal For Pakistan
Who We Are
A Company holding exclusive licensing rights to market Branchless
Banking product in Pakistan with end to end solutions developed
by our professionals preferably for Commercial Banks having
limited network access nationwide.
PROWESS TECHNOLOGIES
Technology Partner
Leading System Integrator encompassing Integration and Management of IT
Infrastructure through its robust world class delivery processes to varied
corporations of high repute.
Major Clients
• National Bank Of Pakistan
• Atlas Bank Ltd.
• MCB Bank Ltd.
• Central Depository Company (Pvt)
• Bank Al Habib
Ltd.
• Bank Alfalah Ltd.
• Karachi Stock Exchange
• Bank Of Punjab
• Telenor Pakistan
• Meezan Bank
• UFONE
• KASB Bank
• Aga Khan Hospital
• HSBC (Bank)
• Liaquat National Hospital
• Deutsche Bank
• Jahangir Siddiqui Group
• Faysal Bank Ltd.
• Lakson Group
• Habib Bank Ltd.
• Fauji Fertilizer
• Arif Habib Group
• ICI Pakistan Ltd.
• Saudi Pak Commercial Bank Ltd.
• Indus Motors Ltd.
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• Soneri Bank Ltd.
PROWESS TECHNOLOGIES
Strategic Alliances
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PROWESS TECHNOLOGIES
PRODUCT
Brand
AASAN CASH
A real mobile wallet in hand phone which enables
domestic & cross-border payments from hand phone to
hand phone at the speed of a text message (SMS)!
Technology
An integrated money remittance platform via mobile
phone and online backed by Master & Visa Card switches.
Coverage
•1 Million ATMs worldwide
•100 Million POS worldwide
•+60 countries
PROWESS TECHNOLOGIES
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
Product Range
Prowess agent network through franchise model.
Mobile to mobile phone remittances in 60+ countries in real
time.

White-Label solution for Merchants on & off-line.

Online payments and transfer for individuals
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

Near Field Communication (NFC) systems for contactless
merchant payment.
Smart-Card with global ATM access at more than one
million ATM's worldwide.
Debit MasterCard®/ Visa Card with a linked balance to Mwallet credit balance.
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PROWESS TECHNOLOGIES
DHA Golf Club
Mehmoodabad
Gulshan-e-Maymar
Malir
Gulistane Jauhar
Shadman Town
Buffer Zone
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Prowess Franchise Strength
N
o
Prowess Mart
1DHA Golf Club
2Mehmoodabad
3Maymar
Population
Location
Customer
Segment
Accessibility
Bank
Near By
Franchise
Near By
Monthly
Footfall
660,931
Market
Upper Class
Easy Access
No
No
6500
3,370,280
Main
Road
Lower/Middle
Class
Easy Access
Yes
No
15500
254,850
Main
Road
Middle Class
Easy Acces
No
No
6000
Easy Access
Yes
Yes
11000
4Gulistane Jauhar
1,137,657
Market
Lower/Middle
Class
5Buffer Zone
2,186,751
Side Road
Middle Class
Easy Access
No
No
9000
2,250,391
Main
Road
Middle Class
Easy Access
No
No
16500
2,425,890
Main
Road
Middle Class
Easy Access
No
No
12000
6Shadman Town
7Malir
PROWESS TECHNOLOGIES






They include setting up 1600 PROWESS shops within 14 - 16
months Pan Pakistan.
They include setting up 10000 PROWESS shops within 60 months
Pan Pakistan
All of the Prowess Stores become Cash-in Cash-out merchants.
All Prowess Stores to accept Mobile Payments
All Prowess Stores have ATMs on site
All prowess Stores sell Migrant Worker Packs.
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PROWESS TECHNOLOGIES








(high Volume sites)
Wireless communications
No fixed-line
telecommunications required
Rapid deployment
Cash recycling
Card-less activation
capabilities
Photographic transaction
record
Advertising revenue
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PROWESS TECHNOLOGIES







(Low volume sites)
Integration with POS equipment
Integration with bank network
Cash deposits
Cash withdrawals
Bill payments
Mobile top-ups
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Branchless Banking Products in Pakistan
Historical Perspective
Q1 2010
MCB Bank launches mass
market product targeted
initially towards their
own customer base.
Q3 2009
2007
UBL Orion launched;
Legacy Product to UBL
Omni
Major Initiative in the
Pakistan BB Market with
the mass launch of Easy
Paisa – a Telenor/Tameer
Bank Partnership.
2012 Pipeline
Q1 2010
Dubai Islamic Bank
Habib Bank Limited
Meezan Bank Limited
Interoperability
UBL launches Mass
Market UBL Omni geared
towards all SEC
Classifications
Q1 2008
State Bank of Pakistan
launches Branchless
Banking Regulations
widely acclaimed as
amongst the best
regulatory environments
in the world.
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Pakistan Market Assimilation
Two Major Players ; One Passive – Consistent Product Offerings
System Provider
INHOUSE
APT-ASSAN CASH
Local Fund Transfers
International Fund Transfer
Franchise Agent Network
Rental ATMs
Cash Machines.
Bill Payments
Mobile Wallet/Account
Offsite Merchant Network
Cash Deposits & Withdrawals at
Branchless Locations
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Pakistan
PROWESS TECHNOLOGIES
Market
Sizing
Figure of BB(March-2012)
Figure of BB(June-2012)
Branchless Banking Agents
26,792
Branchless Banking Accounts
1,059,519
Average no of transaction per day
280,798
Average size of Transactions in Rs
3,367
Volume of Transaction (Rs.in Million)
85,092
Branchless Banking Agents
29,525
Branchless Banking Accounts
1,447,381
Average no of transaction per day
315,178
Average size of Transactions in Rs
4,065
Volume of Transaction (Rs.in Million)
115,304
Quarterly
Growth
10%
37%
12%
21%
36%
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PROWESS TECHNOLOGIES
Bill Payment and top-ups remained the
dominating activity in the quarter
under review with 53 per cent share in
total numbers, followed by fund
transfer and deposits with share of
39 per cent and 8 per cent respectively.
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Transfer Amount
Telenor
UBL
(PKR)
Easy Paisa
Omni
500 - 1
1000 - 501
58
80
1500 – 1001
2000 – 1501
116
120
2500 - 2001
4000 - 2501
6000 - 4001
8000 - 6001
25000 - 8001
50
174
232
290
480
240
500
Sales Forecast based on “local” users
Pakistan Cell Phone Users 110,000,000
Based on a mobile phone user making 2 transactions a month over a 1 year period
Market
Share Year
%
Users
Bank
Per Month Transactions charges per Yearly Income for
Transaction
Per Year
minimum
Bank
transaction.
2%
1
2,200,000
2
52,800,000
Rs.40
Rs.2,112,000,000
4%
2
4,400,000
2
105,600,000
Rs.40
Rs.4,224,000,000
10%
3
11,000,000
2
264,000,000
Rs.40
Rs.10,560,000,000
Note: Charges of Rs.40/= is based on a minimum fund transfer of RS.500/=
THANK YOU
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