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Mobile Payment adoption in Brazil: investigation on a pilot implementation

Mobile Payment adoption in Brazil: investigation on a pilot implementation. Adrian Kemmer Cernev Eduardo Henrique Diniz Gvcemf – Research Center for Microfinance at FGV – Getulio Vargas Foundation. Brazil facts & figures. 260 MM 82 % prepaid. 100% coverage. 70% of all

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Mobile Payment adoption in Brazil: investigation on a pilot implementation

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  1. Mobile Payment adoption in Brazil: investigation on a pilot implementation Adrian Kemmer Cernev Eduardo Henrique Diniz Gvcemf– Research Center for Microfinanceat FGV – Getulio Vargas Foundation

  2. Brazil facts & figures 260 MM 82% prepaid 100% coverage 70% of all transactions in cash 195 MM people • 45% adults • no bank accounts • (67% among the poor) North/South inequalities

  3. Banco Palmas - Fortaleza

  4. Social Currency

  5. Mobile Payment atConjuntoPalmeira Pioneer project oriented to financial inclusion

  6. ResearchStrategy (1st step) Interviews withactorsinvolved: Banco Palmas(3), Executives(10), OperationalPeople(3), Clients(14), Merchants(3), Govofficers(5)

  7. Main actors(2011) ? Ministry of Social Development

  8. Main actors (2012)

  9. Pilot Project Today (Users) • 1,400 registered • 500 active • No mobile payment • No network externality • Security motivation • Freechip

  10. Pilot Project Today (Merchants) • 4 merchants • no significantuse • informal merchants • B2C or C2C?!

  11. Pilot Project Today (Partners) • Governance • Expectationsontheproject • Time line perspective • Modelconflifts Social inclusion To be mature in 15 years Mobile banking Battle for marketshare Channel conflict

  12. Other issues • Operationalfailures • Lowincomemarket • Banco Palmas role • Cash culture

  13. Pilot Project Ecosystem • Interoperability • Closednetworks • ModelReplicability • Acquiringprocess

  14. Research Next Steps • Feedback tointerviewedactors • Governance!!! • Data analysis • Project ELAS data base • Bolsa FamiliaWomen • Groupcomparisons • Government data bases

  15. Next Events • Payment Service Providers • New regulation • Seminaron MM ecosystems • Ministryof Social Development (MDS) • Biggestmobile client • Banco Palmas: 15th anniversary

  16. Thankyou! Adrian Kemmer Cernev adrian.cernev@fgv.br Eduardo Henrique Diniz eduardo.diniz@fgv.br

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