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专栏国际资讯监管与政策

尼日利亚央行计划发展共享代理网络推动普惠金融

专栏国际资讯监管与政策

尼日利亚央行计划发展共享代理网络推动普惠金融

在拉各斯举行的PoS创新峰会2018年第四季度会议上,尼日利亚中央银行(后文简称CBN)支付系统管理主管Sam Okojere在发言中强调,代理网络是提升普惠金融的先决条件,CBN再次承诺拓展代理网络,推动代理网络发展,也将在保护消费者和从业者的利益方面寻找平衡点。

本次峰会以"定价和共享代理网络可行性"为主题,探讨了共享代理网络扩展计划(后文简称SANEF)动态及该计划加速实现PSV 20:2020金融普惠目标的能力。

主题演讲人、肯尼亚商业银行代理银行业务负责人Edwin Otieno在峰会上分享了肯尼亚公共机构采取策略方面的见解,他说,代理银行推动交易数量增长了96%以上,推动国家普惠金融指数增长16%以上。他着重指出,企业需要通过培训、部署增强型产品、程序文件和定期审核流程继续为各地代理人提供支持。

Global Accelerex Ltd执行董事兼首席技术官Stanley Ugochukwu Peters表示,利益相关者团结一致推动普惠金融,国家恳请各方为SANEF的成功共同努力。

包括尼日利亚银行间结算系统公司(NIBSS)、CBN、尼日利亚特许银行家协会(CIBN)、商业银行和支付系统中的其他经营者在内的行业利益相关者已经制定了SANEF计划,积极部署50万个代理网络,面向全国提供基本金融服务。

CBN、银行、NIBSS、持牌移动货币经营者和共享代理商为SANEF提供支撑,该计划的主要目标是加速尼日利亚普惠金融。

该计划拟将4000万低收入和未享受服务的尼日利亚人纳入金融系统,到2020年将金融接入点从目前的5万个增加到50万个,并推动尼日利亚人对包括储蓄账户、小额贷款、保险、退休金在内的移动和数字金融产品和服务进行深度访问,。

该项目旨在通过包含强有力的监管、消费者保护和有限集中风险的互操作支付系统的综合生态系统,推进尼日利亚的普惠金融。为尼日利亚金融服务公司创造发展平台,为尼日利亚人提供就业机会。

SANEF一份关于金融接入触点的报告显示,东北部和东南部地区获取银行业务的机会最少。东北部地区有5%的金融接入点,东南部地区有7%的金融接入点,上述两个地区在获取金融服务方面处于劣势。西南地区凭借54%金融接入触点遥遥领先;南南部地区比例为12%;中北部地区比例为11%,西北部地区比例为10%。

报告还指出,尼日利亚拥有5600家银行分行,1.76万台自动柜员机(ATM);截至2017年12月,有1.5万个销售点(PoS)终端和51754家代理。

The Central Bank of Nigeria (CBN) has reiterated its commitment to the formulation of appropriate policies through inputs received from the various stakeholders in the Nigerian payment industry.

CBN said the renewed commitment would enhance expansion and growth of agent networks as a prerequisite for enhancing financial inclusion.

This was stated by the Director, Payment System Management of the CBN, Mr. Sam Okojere, at the fourth quarter 2018 edition of PoS Innovation Summit, which held in Lagos recently.

Okojere, who was the guest of honour at the event and was represented by the Assistant Director, Payments System Management at CBN, Mr. Olubukola Akinwumi, also averred that CBN would maintain a balanced approach in protecting the interests of both the consumers and practitioners in the industry.

The event, with the theme: “Pricing and Shared Agent Network viability” explored the dynamics of the Shared Agent Network Expansion Program (SANEF) and its capability to accelerate the achievement of financial inclusion goals of the PSV 20:2020.

Also speaking at the summit, the Keynote Speaker, Dr. Edwin Otieno, who is Head, Agent Banking of Kenya Commercial Bank, shared insights from the strategy employed by the Kenyan institution, which he said, yielded over 96 per cent growth in the volume of transactions and has driven the National Financial Inclusion index by over 16 per cent.

He stressed the need for corporates to continue to provide support to agents on the field through trainings, deployment of enhanced products, documentation of procedures and periodic audit of processes.

The Executive Director and Chief Technology Officer of Global Accelerex Ltd, Mr. Stanley Ugochukwu Peters, stated that the insight and ideas gained from deliberations was a clear indication that stakeholders are united in their desire to drive financial inclusion, and implored all to continue to work together to support SANEF and ensure its success.

Industry stakeholders which include the Nigeria Interbank Settlement System Plc (NIBSS), CBN, Chartered Institute of Bankers of Nigeria (CIBN), commercial banks and other operators in the payment system had developed the SANEF initiative to aggressively roll-out 500,000 agent networks to offer basic financial services across the country.

SANEF is powered by the CBN, banks, NIBSS, licenced mobile money operators and shared agents with the primary objective of accelerating financial inclusion in Nigeria.

The initiative involves on-boarding 40 million low income and unserved Nigerians into the financial system, increasing financial access points from the current 50,000 to 500,000 by 2020 and deepening access to mobile and digital financial products and services such as savings accounts, micro loans, insurance, pensions by Nigerians.

The project seeks to deepen financial inclusion in Nigeria through an integrated ecosystem with strong regulatory oversight, consumer protection and interoperable payment systems with limited concentration risk.

It intends to create a platform for Nigerian owned financial services companies to grow, whilst empowering and creating jobs for Nigerians.

A report by SANEF had shown that the north-eastern and south-east regions have the least access to banking, a report on financial access touch-points released by SANEF showed. With five per cent financial access touch-points for the north-east and seven per cent for the south-east, both regions remain disadvantaged in access to financial services.

South-west leads on financial access touch-points with 54 per cent; south-south with 12 per cent; north-central 11 per cent and north-west 10 per cent.

It also revealed that Nigeria has 5,600 bank branches, 17,600 Automated Teller Machines (ATMs); 15,000 point of sale (PoS) terminals and 51,754 agents as at December last year.

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