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\"\"NEW DELHI: Vodafone India<\/a> has said that regulatory hurdles and lack of financial inclusion awareness is limiting the growth of mobile money, at a time when the government is pushing for greater financial inclusion through the Pradhan Mantri Jan Dhan Yojna<\/a>.
\n
\nUnder the ambitious scheme, Centre aims to bring in nearly 40% of population under comprehensive financial cover through banking accounts, while more that 10-crore physical bank accounts have been opened so far.
\n
\nAwareness about financial inclusion and financial literacy needs to be intensified. Stakeholders, including the regulators and policy makers, should launch large scale awareness programmes, Suresh Sethi, business head, Vodafone m-pesa told ET.
\n
Mass education is very significant for the growth of mobile wallets<\/a> in India, he said, and added that it requires collaborative approach between the telecom service providers, banks and other stakeholders.
\n
\n“The current policy does not allow direct benefit transfers (DBT) from Centre and state governments to be credited to semi-closed wallets while banks are currently being pushed to open accounts through alternate channels like business correspondents due to absence of bank branches in India’s rural pockets,” Sethi said.
\n
\nThe RBI licensing regime, he said, is also discouraging mobile money growth in the country. The present system allows only e-transfer of money and approves semi-closed pre-paid instrument issuance while it does not allow “cash out” from the semi-closed wallet.
\n
\nWorld’s second-largest telco Vodafone that has been running m-pesa services since April 2013 in India and believes that a long-term sustainability of the prepaid wallet business model has a way to go and that they can be a “meaningful participant” in the government’s financial inclusion plan.
\n
\n\"As observed in the United Nations study, the telco and non-bank led models for mobile payments have witnessed major success in developing economies. It creates a large pool of untapped customers with no access to formal banking services.\" a financial advisory firm Deloitte said.
\n
\nHe however declined to comment if Vodafone will apply for a payment bank license. The last date for application is February 2.
\n
\nVodafone’s more than 2 million m-pesa customers with nearly 65% rural footprint, predominantly use money transfer services, followed by utility payments and prepaid recharges.
\n
Dubbed as the largest business correspondents in India, the telco manages 80,000 outlets today and directly competes with Sunil Mittal-driven Airtel Money<\/a> services. Airtel Money<\/a> has recently applied for a payments bank license.
\n
\n\n<\/body>","next_sibling":[{"msid":46091260,"title":"More mobile messaging apps add voice calling as telcos fear cannibalisation","entity_type":"ARTICLE","link":"\/news\/mvas-apps\/more-mobile-messaging-apps-add-voice-calling-as-telcos-fear-cannibalisation\/46091260","category_name":null,"category_name_seo":"mvas-apps"}],"related_content":[],"msid":46092962,"entity_type":"ARTICLE","title":"Policy shortcomings, lack of awareness derailing mobile money growth: Vodafone","synopsis":"Vodafone India said that regulatory hurdles and lack of financial inclusion awareness is limiting the growth of mobile money in India.","titleseo":"mvas-apps\/policy-shortcomings-lack-of-awareness-derailing-mobile-money-growth-vodafone","status":"ACTIVE","authors":[{"author_name":"Muntazir Abbas","author_link":"\/author\/479234376\/muntazir-abbas","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479234376.cms?width=100&height=100&hostid=268","author_additional":{"thumbsize":true,"msid":479234376,"author_name":"Muntazir Abbas","author_seo_name":"muntazir-abbas","designation":"Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":false,"artdate":"2015-02-02 11:26:48","lastupd":"2015-02-02 11:50:03","breadcrumbTags":["MVAS\/Apps","Vodafone India","Airtel Money","Mobile wallets","Jan Dhan Yojna"],"secinfo":{"seolocation":"mvas-apps\/policy-shortcomings-lack-of-awareness-derailing-mobile-money-growth-vodafone"}}" data-authors="[" muntazir abbas"]" data-category-name="MVAS/Apps" data-category_id="16" data-date="2015-02-02" data-index="article_1">

政策不足,缺乏认识破坏移动货币增长:沃达丰

沃达丰印度表示,监管障碍和缺乏金融包容意识是在印度限制移动货币的增长。

Muntazir阿巴斯
  • 在12日更新2015年2月2日,坚持
新德里消息:沃达丰印度曾表示,监管障碍和缺乏金融包容意识是限制移动货币的增长,在政府推动更大的金融包容通过Pradhan Mantri吗Jan Dhan Yojna。

在雄心勃勃的计划,中心旨在将在近40%的人口综合金融支付通过银行账户,而更多10-crore物理银行账户已经打开了。

对金融包容和金融知识需要加强。利益相关者,包括监管机构和政策制定者应该推出大规模意识项目,业务主管,沃达丰Suresh Sethi m - pesa告诉等。

大规模发展的教育是非常重要的手机钱包在印度,他说,并补充说,它需要电信服务提供商之间的合作方式,银行和其他利益相关者。

“目前的政策不允许直接收益转移(印度生物技术部)中心和州政府归功于半封闭的钱包而正在推到开户银行通过不同渠道商业记者由于缺乏银行分支机构在印度农村的口袋,”塞提说。

印度储备银行许可制度,他说,也阻碍移动货币增长。金钱和批准的现行制度只允许e-transfer半封闭预付费仪器虽然不允许发行“套现”半封闭的钱包。

全球第二大电信沃达丰2013年4月以来一直运行m - pesa服务在印度和相信预付钱包的长期可持续性的商业模式有自己的路要走,他们可以是一个“有意义的参与者”政府的金融包容的计划。

“作为联合国研究中观察到,电信和非银行领导模型移动支付主要发展中经济体的成功。它创建了一个庞大的未开发的客户没有获得正规银行服务。”一个金融咨询公司德勤说。

然而他拒绝置评如果沃达丰将申请付款银行执照。申请的最后日期是2月2日。

沃达丰的超过200万m - pesa农村足迹客户提供近65%,主要使用转账服务,其次是效用支付和预付充电。

称为最大的商业记者在印度,今天电信管理80000家店,直接与Sunil Mittal-driven竞争旅馆的钱服务。旅馆的钱最近申请了付款银行执照。

  • 发布于2015年2月2日,上午11:26里坚持

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\"\"NEW DELHI: Vodafone India<\/a> has said that regulatory hurdles and lack of financial inclusion awareness is limiting the growth of mobile money, at a time when the government is pushing for greater financial inclusion through the Pradhan Mantri Jan Dhan Yojna<\/a>.
\n
\nUnder the ambitious scheme, Centre aims to bring in nearly 40% of population under comprehensive financial cover through banking accounts, while more that 10-crore physical bank accounts have been opened so far.
\n
\nAwareness about financial inclusion and financial literacy needs to be intensified. Stakeholders, including the regulators and policy makers, should launch large scale awareness programmes, Suresh Sethi, business head, Vodafone m-pesa told ET.
\n
Mass education is very significant for the growth of mobile wallets<\/a> in India, he said, and added that it requires collaborative approach between the telecom service providers, banks and other stakeholders.
\n
\n“The current policy does not allow direct benefit transfers (DBT) from Centre and state governments to be credited to semi-closed wallets while banks are currently being pushed to open accounts through alternate channels like business correspondents due to absence of bank branches in India’s rural pockets,” Sethi said.
\n
\nThe RBI licensing regime, he said, is also discouraging mobile money growth in the country. The present system allows only e-transfer of money and approves semi-closed pre-paid instrument issuance while it does not allow “cash out” from the semi-closed wallet.
\n
\nWorld’s second-largest telco Vodafone that has been running m-pesa services since April 2013 in India and believes that a long-term sustainability of the prepaid wallet business model has a way to go and that they can be a “meaningful participant” in the government’s financial inclusion plan.
\n
\n\"As observed in the United Nations study, the telco and non-bank led models for mobile payments have witnessed major success in developing economies. It creates a large pool of untapped customers with no access to formal banking services.\" a financial advisory firm Deloitte said.
\n
\nHe however declined to comment if Vodafone will apply for a payment bank license. The last date for application is February 2.
\n
\nVodafone’s more than 2 million m-pesa customers with nearly 65% rural footprint, predominantly use money transfer services, followed by utility payments and prepaid recharges.
\n
Dubbed as the largest business correspondents in India, the telco manages 80,000 outlets today and directly competes with Sunil Mittal-driven Airtel Money<\/a> services. Airtel Money<\/a> has recently applied for a payments bank license.
\n
\n\n<\/body>","next_sibling":[{"msid":46091260,"title":"More mobile messaging apps add voice calling as telcos fear cannibalisation","entity_type":"ARTICLE","link":"\/news\/mvas-apps\/more-mobile-messaging-apps-add-voice-calling-as-telcos-fear-cannibalisation\/46091260","category_name":null,"category_name_seo":"mvas-apps"}],"related_content":[],"msid":46092962,"entity_type":"ARTICLE","title":"Policy shortcomings, lack of awareness derailing mobile money growth: Vodafone","synopsis":"Vodafone India said that regulatory hurdles and lack of financial inclusion awareness is limiting the growth of mobile money in India.","titleseo":"mvas-apps\/policy-shortcomings-lack-of-awareness-derailing-mobile-money-growth-vodafone","status":"ACTIVE","authors":[{"author_name":"Muntazir Abbas","author_link":"\/author\/479234376\/muntazir-abbas","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479234376.cms?width=100&height=100&hostid=268","author_additional":{"thumbsize":true,"msid":479234376,"author_name":"Muntazir Abbas","author_seo_name":"muntazir-abbas","designation":"Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":false,"artdate":"2015-02-02 11:26:48","lastupd":"2015-02-02 11:50:03","breadcrumbTags":["MVAS\/Apps","Vodafone India","Airtel Money","Mobile wallets","Jan Dhan Yojna"],"secinfo":{"seolocation":"mvas-apps\/policy-shortcomings-lack-of-awareness-derailing-mobile-money-growth-vodafone"}}" data-news_link="//www.iser-br.com/news/mvas-apps/policy-shortcomings-lack-of-awareness-derailing-mobile-money-growth-vodafone/46092962">