Promoting Greater Use of Formal Remittance Systems by Overseas
to overseas markets by Philippine banks, increased competition from ... transfer system by overseas Filipino workers (OFWs) and immigrants. .... Formal funds transfer or remittance systems may be defined as ..... Philippine postal system in providing low-cost front-end remittance channels ... development tool in Asia.
Profile and Taxation of the Philippine Overseas Remittance Industry
May 3, 2012 ... well as the tax incentives granted to overseas Filipino workers~ ..... and non-bank ﬁnancial intermediaries (NBFls), money transfer operators (MTOs), ... lower transaction cost and faster delivery time for the remitters and the beneﬁciaries. The Smart Communications (SMART) and Globe. the two biggest ...
Mobile 2.0: M-money for the BoP in the Philippines - Information
Although usage of m-money among the BoP remains low, the ICT infra- ... mobile banking (m-banking)2 and mobile payment transfers (Soriano &. 1. ... 2010 USC Annenberg School for Communication & Journalism. .... that most overseas Filipino workers (OFWs) come .... able in the Philippines: SMART Money and Globe.
Feasibility study of the electronic money remittance to extend - ILO
International Labour Office; ILO Regional Office for Asia and the Pacific; ... Coverage of overseas Filipino workers under the current SSS and PhilHealth .... The Philippines is the largest sending country of migrant workers in ... convenient and of low cost payment mechanism is available. ... SMART Communications Inc.
Notes on Regulation of Branchless Banking in the Philippines - CGAP
Jan 22, 2010 ... low-income populations has made the Philippines a world leader in ... activities to the mobile operator, Smart Communications (Smart), via a system of .... overseas Filipino workers (OFWs). ... 14 BSP Governor Amando Tegangco Jr.'s speech at the Mobile Money Transfer Conference Asia Pacific, Manila,.
Catching the Technology Wave: Mobile Phone Banking and - Afraca
Mobile Phone Banking and Text-a-Payment in the Philippines ... relatively low cost of purchasing a mobile phone, low cost of sending an SMS ( ... namely, Globe Telecom and SMART Communications. ... rural banks, for money transfers ... launched in 2003, which is being used by over 1 million Filipino overseas workers to.
Country overview: Philippines Growth through innovation - GSMA
and internet penetration is increasing at the fastest rate of any country in Asia with the .... Note: Aside from Smart and Globe, other mobile operators in the Philippines .... family, and given that around 11 million Filipinos live overseas, it provides an .... GHz) provide extended coverage at lower cost, as fewer base stations are ...
Expanding use of m‐money to the BOP in the Philippines - LIRNEasia
overseas foreign workers (Nakanishi, 2009) as approximately $16 Billion was ... that most Overseas Filipino Workers (OFWs) come from regions with lower ... In moving money, senders seek the most affordable and convenient channel. .... With GCash or SMART Money, consumers can already purchase goods and services.
New Financial Services: Review of Mobile Money Transfers in the
Feb 4, 2010 ... Mobile money in the Philippines. ... mobile money transfers as one component of branchless banking. ... The Asia-Pacific region is a fertile territory for branchless banking, and ... Som Mony, 22 years old, Garment Factory Worker in Cambodia, .... The business excitement centres round the lower cost of.
Mobile Money for the Displaced - GSMA
This cost-sharing model allowed UNHCR and other humanitarian ... Smart Communications to provide mobile money transfers to those helping ... Whilst the use of mobile money in displacement contexts remains low, the ... ASIA AND PACIFIC ... Remittances from overseas Filipino workers reached a record high of $25.1 ...
Global Forum on Remittances 2013 - Remittances Gateway
low-cost remittances and that maximize ... Sending Money Home to Asia. based on joint research between IfaD and .... head of new business, Maxis communications bhd, Malaysia .... executive Director, atikha overseas Workers and communities Initiative Inc. .... President, Philippine agricultural .... smart communications,.
micro-payment systems and their application to mobile - infoDev
services increasingly relevant to, and affordable by the poorest members of ... the Philippines, namely mobile financial services pro- vided by SMART Communications and GLOBE. Telecom. .... benefits are the extension of banking and money management ..... Forex transfers, the OFW must know the mobile number of the ...
Main Section - PLDT.com
Apr 1, 2006 ... PLDT is listed on the Philippine Stock Exchange (PSE: ..... platform will enable migrant workers using the services of Smart's telco and banking partners abroad to send ... communications more affordable and available to .... Smart will launch its cellular-based money transfer pilot in the Gulf state of Bahrain,.
pinoy internet: philippines case study - ITU
The kind hospitality of Philippine Electronics and Telecommunica- ... N. Santiago of Globe and A. Bengzon, Undersecretary for Communications, ... Internet in South East Asia carried out in 2001. ..... surcharge for sending SMS overseas, where many ..... is that low cost traffic to the US is .... Smart Money won the 2001 GSM.
The Role of the Information and Communications Technology Sector
5.1.1 SMART Communications' SMART Money ... creates jobs, cultivates inter- firm linkages, enables technology transfer, builds human capital and ..... these factors in developing a computer that is “ultra low-cost. ...... through SMART Padala, a service offered jointly by SMART and TRAVELEX to Overseas Filipino Workers.
report_22_EO ICT Final.pdf
nature of mobile communications has the potential to ... provide an affordable and convenient service for .... such as Africa, Asia and the Middle East, ... The Mobile Money Transfer program, jointly launched by the GSMA and Western Union ..... overseas worker market and the need .... Example: Smart Money( Philippines) —.
Ernst & Young - Mobile Money - 15.10.09 (single view).pdf
FReDI: Financial Literacy for Remittances and Diaspora Investments
OFW. Overseas Filipino Workesr. RSP. Remittance Service Provider. SCA ... ( MFIs), money transfer operators (MTOs), training .... mittances is low. ..... migrants (Atikha project #5.1, Italy-Philippine ..... Total Cost. Results. Website. Contact. 0.5. ILO. 1) Budget smart – Financial education for .... asia/nepal_promotion.htm.
SMS, Business, and Government in the Philippines
Cell phones are popular because they are convenient, relatively inexpensive and easy to acquire ... The cell phone was introduced in the Philippines when the Philippine ... Smart Communications (Smart) started operating in February 1994. ..... such service are “overseas workers sending money to their beneficiaries in their.
the innovative use of mobile applications in the philippines
Nov 29, 2007 ... Comparison of Cash, G-Cash and Smart Money . ... Prepaid loading and airtime transfer . ... Philippine.core.of.the. report:.Erwin. ... mobile.phones.for. communications,.information.and,.more.recently,. ... 2007)..The.ultra-low-cost. initiative.started.in.2005.as.a.way.to.connect. .... Filipino.workers.and.one.of.the.
market size and business strategy at the base of the pyramid - IFC
ing majority of the population in Africa, Asia, Eastern Europe, and Latin. America and ... or for transfers of remittances from relatives abroad. Addressing the .... affordable off-grid electricity or clean cooking fuels to rural BOP com- munities. ..... Philippines' Smart Communications has a growing, profitable business with more ...
Smart Communications Low Cost Money Transfers For Overseas Filipino Workers Asia Philippines Free Related PDF's
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