​​

​​​Programme of the 24th AFRICA REGIONAL GROUP 

LA TRANSFORMATION DES INSTITUTIONS FINANCIERES SOUS LE SIGNE DE L'INNOVATION

Transforming financial institutions through innovation 

What strategy to adopt in order to become a leader in financial innovation

in your market?​

11-13 April 2018 l Tunis


Programme


​​​
Day 1, 11 April 2018

​08:30-09:00
Welcome and registration
​09:00-09:45
Welcome words by the Master of Ceremony 

Openings

The future of the postal and banking financial system

  • Moez Chakchouk, CEO of La Poste Tunisienne: The trend of the financial sector in Tunisia. The importance of financial inclusion and the role of innovation. What should be the role for the postal sector and what are the conditions to fully achieve its mandate of financial inclusion?
  • ​Sabasaba Moshingi, CEO of TPB Tanzania and President of the WSBI Africa Regional Group

    The impact of technology and innovation on financial markets and the necessity to urgently embrace technology and innovation to offer a customer driven products and boost financial inclusion ​

  • Chris De Noose, Managing Director of WSBI
    The role of savings and postal banks in financial inclusion and the role of the governments and regulatory authorities to support them in fully achieving their financial inclusion mandate.​
​09:45-10:15
Keynote speech

The African financial sector serving the real economy. What are the AfDB's priorities in Africa to support the real economy? What is the role of financial institutions and postal banks in particular? which programmes should be put in place to support them in achieving the turning point of innovation and digitisation and build a sustainable and responsible financial service offer in favour of financial inclusion?

  • Akinwumi Adesina, President of the African Development Bank​
​10:15-11:00
Coffee Break (press/interviews/group Picture)
​11:00-11:30
Innovation, an unprecedented growth opportunity for Africa

Delay and breakthroughs in Africa in terms of technology and innovation: what challenges for the financial and telecommunications sector, the challenges and successes envisaged in the coming years, how to optimize the above sectors' role in favor of financial inclusion​

  • Anouar-Maarouf, Technology and Digital Economy Minister
​11:30-12:30
Policy, Regulatory Approaches and challenges to Digital Financial Inclusion
What are the policy and regulatory approaches to challenges like : including disadvantaged people; ensuring interoperability and facilitating public private sector cooperation, balancing risk and innovation and creating appropriate incentives for financial service providers (KYC and CDD,etc.), … 

Moderator: The Alliance for Financial Inclusion: Efoe P. Koudadjey | Regional Manager, Sub-Saharan Africa & MENA​

  • Tiémoko MEYLIT KONE, Governor of the BCEAO
  • The Governor of the Central Bank of Tunisia​
  • GSMA , Gerald Rasugu , Director MD4 Sub-Saharan Africa 
Panel
​12:30-12:45
Questions/answers
​12:45-14:15
​Lunch
14:15-15:15​Strategies, operational approaches and challenges to Digital Financial Inclusion: from mobile money to mobile banking and digital opportunities to meet the triple challenges of data collection, data sharing and data protection

Introduction & Moderation: TBC

New trends in KYC: Digital Forms of identification provide opportunities to address these challenges: KYC Biometric options, big data analytics ​
  • HFC Ghana : data analytics​
  • FINCA Uganda: data collection:  FINCA International provides low-income people around the world the tools they need to succeed. For over 10 years, FINCA has been working with clients to gather information about their lives across multiple dimensions—their businesses, home lives, and experiences with FINCA.  Anne Nakawunde Mulindwa, Uganda Finance Trust, Managing director ​
  • Baobab Sénégal : biometric

Mobile banking apps : WSBI Members :

  • ​Barid Bank Mobile, Al Barid bank
  • Digicash of La Poste Tunisienne
  • Postcash of PosteFinance
  • Others: UNACOOPEC, UGAFODE, Finance Trust…​

Climate friendly financial product and services 

  • WSBI members: West Africa members
  • ​​SG Ghana: solar panels for ATMs 
Agriculture Value-Chain digitisation Or Financial Technology solutions design, audit, testing and support
  • Seven delta
​15:15-15:30

Questions/answers

WSBI INSTITUTIONAL AGENDA 

​15:30-16:15

Challenges and success of WSBI member institutions:

For some of WSBI members, the institutional transformation from a financial institution into a bank (postal or retail) faces many regulatory requirements, which have been delaying the process for decades. Today, however the digitization of the financial offer is forcing all financial institutions to, fully or partly, rethink their business model, their offer and their customer policy.  

 - What is the impact of technology, how far do you need to change your business model, how has your offer evolved over the last years and does technology help you to differentiate from the competition? (do you do the same as the competition or are you trying to be ahead?) What else should you do and what do you need to achieve it? (your challenges and next steps in 2018-2019)

- Each WSBI member institution is invited to give a presentation of 5 minutes to 10 minutes on the above 

  • The cases of the institutions who are not a bank yet or are just starting the process​  

Introduction: The Postal Bank of South Africa

Panel : La Poste Tunisienne ; SONAPOST (BF): PosteFinances (SN), KPOSB (KN); Société Nationale des Postes et des services financiers (Comoros)

  • Banks
Introduction : Centenary Rural Development Bank (UG)
Panel : HFC bank (Ghana); Fransabank (LB); National Bank of Ethiopia;  Banque Malienne de la Solidarité ; Banco de Poupança e crédito (AN), Akiba Commercial bank (TZ) , Azania bank (TZ) , DCB Commercial Bank (TZ), Banque Populaire pour l'Epargne et le Crédit (TG) 
  • Postal banks 
Introduction : Al Barid Bank (MO), 
Panel : Lesotho Postbank, TPB (TZ), PBU (UG)​


16:15-16:30
Questions/answers
​16:30-17:00
​Coffee break
​17:00-18:00
Continuation

  • Savings banks:

Introduction: Botswana savings bank
Panel: Caixa Económica de Cabo Verde, Caisse d'Epargne de Madagascar; Caisse Nationale de Côte d'Ivoire (CI), Caisse Nationale d'Epargne et de Prévoyance (CNEP); Savings and Social Development Bank Sudan; National Savings and Credit Bank- NATSAVE (ZB) ; People's Own Savings Bank of Zimbabwe

  • ​Microfinance institutions and cooperative banks
Introduction: UGAFODE Microfinance Ltd.(UG)
Panel: UNACOOPEC, Afrique Emergence et Investissements,  Pride Microfinance (UG) ; Uganda Finance trust... 

  • Like-minded institutions: BNI Gestion (CI)
Introduction:  BNI Gestion Côte d'Ivoire

Panel: Caisse de Dépôts et de Gestion du Maroc et les Caisses de Dépôts et de Consignation du Sénégal  et de Tunisie​


​18:00-18:15
Questions/answers
​18:15
Closing words
​18:30

​​End of the first day
​19:45
Cocktail /dîner

Day 2, 12 April 2018​

​08:30-08:45
Welcome
​08:45-10:15
Innovation, strategies to optimize creation and deployment: Advances: which technologies, for whom? Why? And how?

Introduction: Software Group

​Moderator: Nabi Issa Coulibaly, DG SONAPOST, Burkina Faso

The Block Chain​: In Tunisia, some pioneers are already following the example of La Poste, which registers and authenticates all the monetary exchanges made by the users of its e-dinar system: 

  • La Poste Tunisienne

The virtual bank:

* The case of Imaginbank in Spain​

Digital offer extended to savings and credits: panel

Société Générale Manko and YUP digital offer for Senegal, by Gaëtan Debuchy, CEO

  • TPB Tanzania: Sabasaba Moshingi: TPB’s creation of a group mobile platform that allows groups to save, take loans and make contributions to their social funds, all via their mobile phones​

Autres : UNACOOPEC

​10:45-11:00
Questions/answers
​10:15-10:45
Coffee break
​10:45-13:00

The new concept of customer – Faithful passenger and dropping bulkheads: how do banks face the need to adopt new models and new technologies to improve the customer experience and offer for consumers and SMEs? What is the impact of new technologies on the client?

Introduction & moderation : CGAP : customer centricity

Presentations and panel debate: How does the digital offer meet customer needs? And policies to address the needs of villages, women, SMEs and farmers, young people and does your offer meet climate change requirements.

Agency banking Centenary Bank 

Women, youth (tbc)Pride Microfinance (UG)

Farmers: People Own’s Savings Bank of Zimbabwe/Agribank/NATSAVE

SMES: BNI Gestion,  Caisse de Dépôts et de Gestion (CDG) Maroc et les Caisses de dépôts et de consignations du Sénégal et de la Tunisie 
Village banking: Postbank Uganda

Other: UGAFODE

Seven Delta

​12:45-13:00
Questions/answers
​13:00-14:30
Lunch
​14:30-16:00
The Roadmap for innovation to serve the very little or unbanked populations

Workgroups

Participants are invited to reflect on the key success factors of the bank of the future and how to take the lead of innovation in their respective markets (Group 1).
Participants are also invited to reflect on the impact of innovation on their business models including postal models and the changes that are required to make their business model sustainable (Group 2)

  • Group 1:  How to use technology to take the lead of the market and how do you plan to do it?
    Introduction and moderation of group 1: to be confirmed

    • Which means do you need?
    • Which resources do you have?
    • How to define the appropriate management to accompany the change over time
    • A light and efficient structure
    • Half bank, half idea factory
    • Telecommunication, spearheading the development of the sector

     

    Group 2:    The End of a System
    Introduction and moderation of group 2:

    • Is it the end of the system?
    • How to prepare for it and how to prepare the transition
    • How to accelerate it?
    • What are the parameters of the new system and its benefits?
    • How to ensure the sustainability of the new system?
    • How to facilitate its acceptance by the users?​
​16:00-16:30
​​Coffee break
​16:30-17:15
Roadmap outcomes and members recommendations
​17:15-18:15
Achievements WSBI in the African region and next steps
Chris De Noose, MD, WSBI

UFA 2020 : Members’ best achievements in 2016
Postbank Uganda, POSB Zimbabwe and Caixa Ecónomica de Cabo Verde
​18:00 - 18:15
​​Questions/answers
​18:00-18:15
Closing of the programme by Sabasaba Moshingi, President of the WSBI Africa Regional Group and Moez Chakchouk, CEO of La Poste Tunisienne
​19:45

​​Cocktail / dinner
Day 3, 13 April 2018​​

​​​SOCIAL PROGRAMME