SECOND GENERATION MICROFINANCE General Context Pedro Juana

SECOND GENERATION MICROFINANCE

General Context Pedro Juana PEOPLE’S BANK Manuel Alberto

General Context Pedro Manuel Juana Alberto

General Context Pedro Manuel Juana Alberto

Realms of Innovation COBIS Core Action Transactional COBIS Planning Analysis Information Factory Analytical

Transactional Realm ¨ New Channels – Mobil Computing – Self-Service – Non-banking ¨ New Services – Remittals – Insurance – Property Registry – e-Learning

Self-Service $1. 07 $0. 73 $0. 68 $0. 35 $0. 27 Human Tellers Mail Check Phone (+ agent) Self-Service

------Transaction Value-------- Evolution of Payment Media Credit Cards E-Cash Debit Card Checks Cash Debit Card Cash E-Cash ----------------Volume----------------1996 2010

Commercial Trends ¨ Optimize low-value operations ¨ New channels ¨ Loyalty programs ¨ Cross-selling ¨ Security § Smartcards § 3 Des

ATM NT/Web

Banking on non-bank channels

Remittals

Other Possibilities Property Registry Titulo d e Propied ad

Analytical Realm ¨ Risk Management – Credit Risk – Liquidity Risk – Interest Rate Risk – Account Profitability ¨ Patriot Act (Anti-Laundering) ¨ Insurance Deposits ¨ Impact Assessment / Business Intelligence ¨ Micro. Brokering

Micro. Brokering IFP IFP IFP

Enabling Technologies ¨ VPN (Internet) ¨ XML ¨ Smartcards (biometrics) ¨ POS ¨ GPS ¨ Data Warehousing - OLAP ¨ Notification Engine ¨ Transactional Architecture

Transactional Architecture HOST FORANEO HOST COBIS FILTRO HOST BRANCH 7 X 24 SERVIDOR DE OBJETOS FIRMAS

SOFTWARE MODULES Administration Securit References Products Networking Control Batch Processing Strategic Information Balanced Scorecard ALM Crédito Risk Financial Analysis Channel Analysis Business Intelligence Financial Products Customer Info Deposits • Demand • Time • Other Loans • Originations • Portfolio Mgmt • Collections Treasury Forex Bank Services Remittals Accounting Budgeting Office Automation Teller Management Officer Station Authentication 7 x 24 Services Email Item Processing Imaging Workflow Virtual Banking Internet Banking Self-Service • Kiosks • ATMs • Switch IVR Mobil Computing

Virtual Banking CHANNELS Phone Mobile Central Servers & Hosts COBIS IVR/CTI COBIS Internet Server COBIS 7 x 24 Tran. Server COBIS Transaction Gateway er ilt F Filter Fi lte Internet Self-Service COBIS ATM Server COBIS Virtual Banking Server External Hosts & Networks r ATM Networks

Relevant Relationships • 70 Installations • 13 countries • 50 years! ¨ Banco Sol ¨ Banco Tequendama ¨ Amextra ¨ Banco Agrario ¨ Banco Cuscatlán ¨ Ban. Rural ¨ Banco Macro ¨ Coop 23 de Julio

Washington, Quito, Bogotá, Lima, México Info@microbanx. com