Transaction analysis

1. By IM,
Data Science And Analytics

2.  FTVs.TTTransaction
 AnnuallyTransactionstypes
 SemiDigitaltransaction((AC,LMTStransfer,SWIFT,andIFB_LMTStransfer))withanalysis&
Visualization
 Above100KandBelow100kAC
 AlternateDigitalTransactions(ATM,MB,POS,IB,andCBE-Birr) withanalysis&Visualization
 BranchTransactions(Withdrawal,deposit,LMTS,TT,andcheque) withanalysis&Visualization
 Above10KandBelow10k withdrawal
 Overallcomparisonofdigital andbranchtransactiontransactionsintheyear
 DigitalVs.BranchTransactions
 CompressionofBranchandDigitalTransactionsofMayandApril
 RecommendationsonTransactionAnalysis
2

3. Abbreviations and Naming
Transaction types abbreviation
Mobile banking
Internet Banking
Local Money Transfer
Interest Free Banking
Teller Transactions
Cash Withdrawal
Cash Deposit
MB=
IB=
AC=
LMTS=
IFB=
TT=
Withdrawal=
Deposit=
Account to account

4. :
Are TT transactions which most of the transaction process done manually or a
cash involvement needed with the customer presence. In these type of transaction
Are: Deposit, withdrawal, cheque withdrawal, LMTS,
Other cheque, and TT
Transaction Types
These transactions are mainly follows a fund transfer(FT) approach's which
means there is no cash involvement (cashless) in the transactional process. These
kind of transactions are: AC, FT, IFB LMTS transfer LMTS Transfer
These type of transactions are FT and CBE BIRR follows fully electronic
payment or fund transfer . Among these transactions, ATM withdrawal,POS,
MB, IB and CBE BIRR are the types
General definitions for the
transactional analysis
The transaction analysis we performed is consist of TT,
FT, and CBE BIRR that go through all channels in the
may2021 for the purpose of this analysis make
distinction into main group as Branch and digital
transactions:
Branch Transactions
All TT transactions involves cash and
customers should go to branch
Digital Transactions
Which uses electronic device and almost
cashless includes alternative and semi
digital transactions
Alternative
Channels
Semi-digital
Transactions
Branch
Transactions

5. FT transactions took 61% and TT 38%. FT transaction holds it largest
percentage as it involves with all transaction fully digital and semi digital(NO
cash involvement). As in fully digitals are the alternative channels(ATM, POS,
IB and MB) and semi digitals transactions as (Account to account, swift and
LMTS transfer and the like). In may FT transaction is 62% and TT 38%
TT and FT within the days of March 2021
Chart for total TT and FT Transactions
Total TT and FT Transactions
61% 39%
TT and FT Transaction Analysis
FT
61%
TT
39%
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
FT TT
33,760,830
FT
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
FT TT

6. Semi-Digital Transactions within the days of May 2021
ITEM NAME HERE
ITEM NAME HERE
Total Semi-Digital Transactions
Chart Semi-Digital Transactions AC
6,730,269
95%
FT
437,731
4.6%
IFB LMTS TRANSFER
87
0.001%
LMTS TRANSFER
1,290
0.01%
SWFT
8,505
0.09%
The largest portion throughout the month is
Account to account(AC) transfer, also
increased by 2% as compared to may AC
transaction.
Semi- Digital Transaction Analysis
95%
5%
0%
0%
0%
0%
AC
FT
IFB LMTS Transfer
LMTS Transfer
Swift
AC FT IFB LMTS Transfer LMTS Transfer Swift
8,556,496
437,731 87 1,290 8,505
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1,000,000 6/1/2021
6/2/2021
6/3/2021
6/4/2021
6/5/2021
6/6/2021
6/7/2021
6/8/2021
6/9/2021
6/10/2021
6/11/2021
6/12/2021
6/13/2021
6/14/2021
6/15/2021
6/16/2021
6/17/2021
6/18/2021
6/19/2021
6/20/2021
6/21/2021
6/22/2021
6/23/2021
6/24/2021
6/25/2021
6/26/2021
6/27/2021
6/28/2021
6/29/2021
6/30/2021
AC FT IFB LMTS Transfer LMTS Transfer Swift

7. Above 100K and Below 100k AC within the days of June 2021 Total 100K and Below 100k AC
Above 100K and Below 100k AC Transactions(fund transfer)
Analysis: From the above analysis semi-digital transaction most of the transactions
are AC(95%) or account to account. But customers can use Mobile banking as an
alternate if the transfer amount is below 100k. what we described here 98% of the
customers went to branch for fund transfer below 100k. We can conclude from here
is that even though there is an alternate channel for AC customers have much less
awareness and understanding for using FT service in Mobile Banking.
0
200000
400000
600000
800000
1000000
6/1/2021
6/2/2021
6/3/2021
6/4/2021
6/5/2021
6/6/2021
6/7/2021
6/8/2021
6/9/2021
6/10/2021
6/11/2021
6/12/2021
6/13/2021
6/14/2021
6/15/2021
6/16/2021
6/17/2021
6/18/2021
6/19/2021
6/20/2021
6/21/2021
6/22/2021
6/23/2021
6/24/2021
6/25/2021
6/26/2021
6/27/2021
6/28/2021
6/29/2021
6/30/2021
ABOVE 100K LESS 100K
ABOVE 100K
2%
LESS 100K
98%

8. Chart for Alternative Transactions
Analysis: in the following alternate
transaction analysis ATM withdrawal and
Mobile banking transactions increases
throughout weekends and decrease in
weekdays starting from Monday. This is
related to customers uses alternative if not
branch are not available or in weekends
people have a habit of spending money.
CBE birr has almost the same transaction
trend and internet banking has the lowest
transaction.
But as compared to May digital it shows
decrease in 5mil txn this is because mostly
mobile banking service has been failed, and
all are working days in the month.
16,867,459
ATM WITHDRAWAL
INTERNET BANKINKIG
POS
2,050,420
CBE BIRR
6,652
73,484
Mobile Banking
7,805,115
Alternative Channels within the days of June 2021
Total Alternative Transactions
Alternative Transaction Analysis
0
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
ATM Withdrwal IB_Txn POS_Txn CBE_BIRR MB
16,867,459
6,652 73,484 2,064,420
7,809,115
0
2,000,000
4,000,000
6,000,000
8,000,000
10,000,000
12,000,000
14,000,000
16,000,000
18,000,000
ATM
Withdrwal
IB_Txn POS_Txn CBE_BIRR MB
63%
0%
0%
8%
29%
ATM Withdrwal IB_Txn POS_Txn CBE_BIRR MB

9. Branch Transactions in June 2021
ALL LIST
Total Branch Transactions
Analysis: The above analysis shows the branch
transaction which most of the transaction process
done manually. Among those transactions cash
withdrawals and deposit transactions reach's its
peak at Saturday and Mondays mostly and falls
down in Tuesday and Wednesday. Among the
branch transaction cash withdrawal is the highest
then deposit is the second.
As compared to may month withdrawal decrease by
1% it seams there is normal working days as no
special occasion for withdrawal
Branch Transaction Analysis
-
100,000
200,000
300,000
400,000
500,000
600,000
700,000
Cheque Withdrwal Deposit Other Cheque TT Withdrwal LMTS
417,841
7,721,016
9,776
2,057,213
11,600,512
13,435
- 2,000,000 4,000,000 6,000,000 8,000,000 10,000,000 12,000,000 14,000,000
Cheque Withdrwal
Deposit
Other Cheque
TT
Withdrwal
LMTS
Cheque
Withdrwal
2% Deposit
35%
Other
Cheque
0%
TT
10%
Withdrwal
53%
LMTS
0%

10. s
Above 10K and Below 10k withdrawal within the months
Above 10K and Below 10k withdrawal
Analysis: The above analysis shows from
the branch transaction about 53% is cash
withdrawal among those transaction
customers who go to branch to
withdrawal money below 10K are 81% this
indicates most of customers go to branch
than using ATMs. For the machines to
give the service they allegedly installed
for the bank should create awareness,
and ease of technology to the customers
to use the Machines
*This month shows a decrease in 7%for
those who went to branch to withdrawal
below 10k
Above 10K and Below 10k withdrawal
-
200,000
400,000
600,000
800,000
1,000,000
1,200,000
ABOVE 10K LESS 10K
19%
81%
ABOVE 10K LESS 10K

11. Branch Vs Digital transactions in days of june2021
Digital
34,861,356
61.5%
36%
Branch
21,246,041
The above analysis shows the comparison of branch and
digital in previous month may and June. in June digital
transactions decreased by 2.5% as may was a holiday
month. There was mobile transfer and better withdrawal
than June. Also a system interruption is the other problem
that might cause the decrease in digital transaction of
June
Jun 2021 total Branch vs Digital Transactions
May 2021 total Branch vs Digital Transactions
Analysis
Comparison of May and June Digital Transaction Analysis
Digital
37,614,520
64%
38.5%
Branch
21,819,793
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
digital branch

12. In digital transaction(alternative channel) the most used
services are ATM and MOBILE BANKING. we have noticed
here customers using mobile banking for transferring money
and ATM to cash withdrawal than go to branch. as indicated
in June 2021 fund transfer is 95% as compared to may which
is 93%. But mobile banking ATM withdrawal shows a
decrease in June than it was in may. Also cash withdrawal in
branch shows a 1% change this month.
Analysis: in june2021 digital transactions shows an increase as compared to
may2021. As we saw it there was holidays in may so it has direct relationship with
the decrease in transactions:
from the cash withdrawal of 53% withdrawal less than 10k is 81%
in June month but 88% in may and even though AC transactions
shows an increase in 2% and mobile banking shows an decrease in
10%. And ATM in 5% still customers go to branch for transferring
money less than 100k: though there is change in alternative
channel as IB and POS. but still high number of customer are
going to branch for the service they can get using ATM and mobile
banking. In IB and POS transaction there is still low number of
users but it shows an improvement over the may month.
Overall Insights and Recommendations
• The bank should create awareness for the customers to use more digital channels than going to branch as
mobile banking and ATM. Because the digital banking used as alternative of the branch services.
• Though IB and POS shows an increase in this month still the transaction numbers are so low compared to ATM
and mobile banking so the bank should come up with the new strategy to make a use of this services, other
wise it incur extra costs for the services that almost not giving an use.