SlideShare a Scribd company logo
1 of 7
Miami, July 19,  2010
Changing the mid-set…….. Common perceptions Our perspective We think it is an important new market opportunity but simply don’t understand the segment so the risk of failure is too big ,[object Object]
Goodtrack record in microfinance, utilities and cellphonecompaniesToo risky ,[object Object],Poor people do not pay, they do not a have bank accounts ,[object Object],Lack of information on consumer preferences, they are not reported in credit bureaus ,[object Object],Very difficult to reach them…limited access to distribution networks It’s too expensive to serve these customers ,[object Object],There is no opportunity – people at the base of the pyramid have no money to spend  ,[object Object], public sector is responsible for poverty alleviation, the private sector should just make money ,[object Object],Poverty is an intractable problem There are still more significant opportunities in the middle classes IT IS POSSIBLE TO BE SUCCESFUL 1
Mobile marketsize LAC It is possible to be successful …. Mobiles 478  million 2009 Today: the businessmodelis: ,[object Object]
Prepaid
Per second
A platform for otherservices (m banking etc.)1999 10 yearsago, the businessmodelwasbasedon: ,[object Object]

More Related Content

Viewers also liked

7 pre reading materials final spanish
7 pre reading materials final spanish7 pre reading materials final spanish
7 pre reading materials final spanishetindc
 
6 pre reading material english
6 pre reading material english6 pre reading material english
6 pre reading material englishetindc
 
Sådan skaber du mere værdi ved at inddrage kunderne
Sådan skaber du mere værdi ved at inddrage kunderneSådan skaber du mere værdi ved at inddrage kunderne
Sådan skaber du mere værdi ved at inddrage kunderneUsertribe
 
Højere Kundekvalitet for Aller Media
Højere Kundekvalitet for Aller MediaHøjere Kundekvalitet for Aller Media
Højere Kundekvalitet for Aller MediaHusetMarkedsforing
 
MailTalk keynote 14.10.2011 Ole Kassow, Wemind
MailTalk keynote 14.10.2011 Ole Kassow, WemindMailTalk keynote 14.10.2011 Ole Kassow, Wemind
MailTalk keynote 14.10.2011 Ole Kassow, WemindOle Kassow
 
Insites on Customer Experience
Insites on Customer ExperienceInsites on Customer Experience
Insites on Customer ExperienceDominique Poncin
 

Viewers also liked (6)

7 pre reading materials final spanish
7 pre reading materials final spanish7 pre reading materials final spanish
7 pre reading materials final spanish
 
6 pre reading material english
6 pre reading material english6 pre reading material english
6 pre reading material english
 
Sådan skaber du mere værdi ved at inddrage kunderne
Sådan skaber du mere værdi ved at inddrage kunderneSådan skaber du mere værdi ved at inddrage kunderne
Sådan skaber du mere værdi ved at inddrage kunderne
 
Højere Kundekvalitet for Aller Media
Højere Kundekvalitet for Aller MediaHøjere Kundekvalitet for Aller Media
Højere Kundekvalitet for Aller Media
 
MailTalk keynote 14.10.2011 Ole Kassow, Wemind
MailTalk keynote 14.10.2011 Ole Kassow, WemindMailTalk keynote 14.10.2011 Ole Kassow, Wemind
MailTalk keynote 14.10.2011 Ole Kassow, Wemind
 
Insites on Customer Experience
Insites on Customer ExperienceInsites on Customer Experience
Insites on Customer Experience
 

Similar to Clp v2

Challenges And Solutions
Challenges And SolutionsChallenges And Solutions
Challenges And Solutionsantowitz
 
Moya c ultra_poorplenary_presenter2_final
Moya c ultra_poorplenary_presenter2_finalMoya c ultra_poorplenary_presenter2_final
Moya c ultra_poorplenary_presenter2_finalCommSEEP
 
B241 - Microfinance Issues and Breakthroughs Class Review
B241 - Microfinance Issues and Breakthroughs Class ReviewB241 - Microfinance Issues and Breakthroughs Class Review
B241 - Microfinance Issues and Breakthroughs Class Reviewpalimpsestsoul
 
Financial needs for microenterprises in Latin America & The Caribbean
Financial needs for microenterprises in Latin America & The CaribbeanFinancial needs for microenterprises in Latin America & The Caribbean
Financial needs for microenterprises in Latin America & The CaribbeanMilagros Fernandez
 
Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...
Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...
Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...Nancy Widjaja
 
Open Banking: Open Vision or Obsession ?
Open Banking: Open Vision or Obsession ?Open Banking: Open Vision or Obsession ?
Open Banking: Open Vision or Obsession ?Initio
 
The Finance, The Digital & The Society - Smart Cities Summit 2018 - Algiers
The Finance, The Digital & The Society - Smart Cities Summit 2018 - AlgiersThe Finance, The Digital & The Society - Smart Cities Summit 2018 - Algiers
The Finance, The Digital & The Society - Smart Cities Summit 2018 - AlgiersSmart Algiers
 
Financial inclusion cbt presentation feb 2011
Financial inclusion cbt presentation feb 2011Financial inclusion cbt presentation feb 2011
Financial inclusion cbt presentation feb 2011subramanian K
 
Accenture-Banking-WithinReach
Accenture-Banking-WithinReachAccenture-Banking-WithinReach
Accenture-Banking-WithinReachMiceal Canavan
 
160919_insights_new_avatar_banks_watch_out_for_banks.pdf
160919_insights_new_avatar_banks_watch_out_for_banks.pdf160919_insights_new_avatar_banks_watch_out_for_banks.pdf
160919_insights_new_avatar_banks_watch_out_for_banks.pdfBhavikPrajapati46
 
BIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdf
BIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdfBIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdf
BIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdffatimaalb1
 
competitor Icici bank
competitor Icici bankcompetitor Icici bank
competitor Icici bankLufthansa
 
People's Development Trust Fund: a Tool for Poverty Reduction
People's Development Trust Fund: a Tool for Poverty ReductionPeople's Development Trust Fund: a Tool for Poverty Reduction
People's Development Trust Fund: a Tool for Poverty ReductionAndre Villalba
 
Fortune at the bottom of Pyramid
Fortune at the bottom of PyramidFortune at the bottom of Pyramid
Fortune at the bottom of PyramidAshish Kumar Jha
 
Blog-Technology – A Panacea To Mutuals’ Challenges
Blog-Technology – A Panacea To Mutuals’ ChallengesBlog-Technology – A Panacea To Mutuals’ Challenges
Blog-Technology – A Panacea To Mutuals’ ChallengesArup Das
 
MEDA Private Sector Support Brief
MEDA Private Sector Support BriefMEDA Private Sector Support Brief
MEDA Private Sector Support Briefchrissiy
 
Delivering on the Sustainable Development Goals: The inclusive business approach
Delivering on the Sustainable Development Goals: The inclusive business approachDelivering on the Sustainable Development Goals: The inclusive business approach
Delivering on the Sustainable Development Goals: The inclusive business approachfveglio
 
Beyond Banking: New Business Models for the Digital Era
Beyond Banking: New Business Models for the Digital EraBeyond Banking: New Business Models for the Digital Era
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
 

Similar to Clp v2 (20)

Challenges And Solutions
Challenges And SolutionsChallenges And Solutions
Challenges And Solutions
 
Moya c ultra_poorplenary_presenter2_final
Moya c ultra_poorplenary_presenter2_finalMoya c ultra_poorplenary_presenter2_final
Moya c ultra_poorplenary_presenter2_final
 
B241 - Microfinance Issues and Breakthroughs Class Review
B241 - Microfinance Issues and Breakthroughs Class ReviewB241 - Microfinance Issues and Breakthroughs Class Review
B241 - Microfinance Issues and Breakthroughs Class Review
 
Global Operations of Bank of America, March 2011
Global Operations of Bank of America, March 2011Global Operations of Bank of America, March 2011
Global Operations of Bank of America, March 2011
 
Financial needs for microenterprises in Latin America & The Caribbean
Financial needs for microenterprises in Latin America & The CaribbeanFinancial needs for microenterprises in Latin America & The Caribbean
Financial needs for microenterprises in Latin America & The Caribbean
 
Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...
Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...
Bridging the Small Business Credit Gap Through Innovative Lending by Accion V...
 
Open Banking: Open Vision or Obsession ?
Open Banking: Open Vision or Obsession ?Open Banking: Open Vision or Obsession ?
Open Banking: Open Vision or Obsession ?
 
The Finance, The Digital & The Society - Smart Cities Summit 2018 - Algiers
The Finance, The Digital & The Society - Smart Cities Summit 2018 - AlgiersThe Finance, The Digital & The Society - Smart Cities Summit 2018 - Algiers
The Finance, The Digital & The Society - Smart Cities Summit 2018 - Algiers
 
Financial inclusion cbt presentation feb 2011
Financial inclusion cbt presentation feb 2011Financial inclusion cbt presentation feb 2011
Financial inclusion cbt presentation feb 2011
 
Accenture-Banking-WithinReach
Accenture-Banking-WithinReachAccenture-Banking-WithinReach
Accenture-Banking-WithinReach
 
160919_insights_new_avatar_banks_watch_out_for_banks.pdf
160919_insights_new_avatar_banks_watch_out_for_banks.pdf160919_insights_new_avatar_banks_watch_out_for_banks.pdf
160919_insights_new_avatar_banks_watch_out_for_banks.pdf
 
BIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdf
BIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdfBIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdf
BIPOC Entrepreneurs COVID Stories White Paper - June 2021.pdf
 
competitor Icici bank
competitor Icici bankcompetitor Icici bank
competitor Icici bank
 
People's Development Trust Fund: a Tool for Poverty Reduction
People's Development Trust Fund: a Tool for Poverty ReductionPeople's Development Trust Fund: a Tool for Poverty Reduction
People's Development Trust Fund: a Tool for Poverty Reduction
 
Fortune at the bottom of Pyramid
Fortune at the bottom of PyramidFortune at the bottom of Pyramid
Fortune at the bottom of Pyramid
 
Blog-Technology – A Panacea To Mutuals’ Challenges
Blog-Technology – A Panacea To Mutuals’ ChallengesBlog-Technology – A Panacea To Mutuals’ Challenges
Blog-Technology – A Panacea To Mutuals’ Challenges
 
MEDA Private Sector Support Brief
MEDA Private Sector Support BriefMEDA Private Sector Support Brief
MEDA Private Sector Support Brief
 
Delivering on the Sustainable Development Goals: The inclusive business approach
Delivering on the Sustainable Development Goals: The inclusive business approachDelivering on the Sustainable Development Goals: The inclusive business approach
Delivering on the Sustainable Development Goals: The inclusive business approach
 
Beyond Banking: New Business Models for the Digital Era
Beyond Banking: New Business Models for the Digital EraBeyond Banking: New Business Models for the Digital Era
Beyond Banking: New Business Models for the Digital Era
 
Fintech Business & Payments Strategy
Fintech Business & Payments StrategyFintech Business & Payments Strategy
Fintech Business & Payments Strategy
 

Recently uploaded

14680-51-4.pdf Good quality CAS Good quality CAS
14680-51-4.pdf  Good  quality CAS Good  quality CAS14680-51-4.pdf  Good  quality CAS Good  quality CAS
14680-51-4.pdf Good quality CAS Good quality CAScathy664059
 
Onemonitar Android Spy App Features: Explore Advanced Monitoring Capabilities
Onemonitar Android Spy App Features: Explore Advanced Monitoring CapabilitiesOnemonitar Android Spy App Features: Explore Advanced Monitoring Capabilities
Onemonitar Android Spy App Features: Explore Advanced Monitoring CapabilitiesOne Monitar
 
How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...
How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...
How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...Hector Del Castillo, CPM, CPMM
 
TriStar Gold Corporate Presentation - April 2024
TriStar Gold Corporate Presentation - April 2024TriStar Gold Corporate Presentation - April 2024
TriStar Gold Corporate Presentation - April 2024Adnet Communications
 
Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...
Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...
Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...ssuserf63bd7
 
The-Ethical-issues-ghhhhhhhhjof-Byjus.pptx
The-Ethical-issues-ghhhhhhhhjof-Byjus.pptxThe-Ethical-issues-ghhhhhhhhjof-Byjus.pptx
The-Ethical-issues-ghhhhhhhhjof-Byjus.pptxmbikashkanyari
 
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdfChris Skinner
 
business environment micro environment macro environment.pptx
business environment micro environment macro environment.pptxbusiness environment micro environment macro environment.pptx
business environment micro environment macro environment.pptxShruti Mittal
 
Pitch Deck Teardown: Xpanceo's $40M Seed deck
Pitch Deck Teardown: Xpanceo's $40M Seed deckPitch Deck Teardown: Xpanceo's $40M Seed deck
Pitch Deck Teardown: Xpanceo's $40M Seed deckHajeJanKamps
 
EUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exportersEUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exportersPeter Horsten
 
Memorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQMMemorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQMVoces Mineras
 
1911 Gold Corporate Presentation Apr 2024.pdf
1911 Gold Corporate Presentation Apr 2024.pdf1911 Gold Corporate Presentation Apr 2024.pdf
1911 Gold Corporate Presentation Apr 2024.pdfShaun Heinrichs
 
WSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdfWSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdfJamesConcepcion7
 
Introducing the Analogic framework for business planning applications
Introducing the Analogic framework for business planning applicationsIntroducing the Analogic framework for business planning applications
Introducing the Analogic framework for business planning applicationsKnowledgeSeed
 
How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...
How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...
How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...SOFTTECHHUB
 
trending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdf
trending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdftrending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdf
trending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdfMintel Group
 
Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...
Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...
Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...ssuserf63bd7
 
Excvation Safety for safety officers reference
Excvation Safety for safety officers referenceExcvation Safety for safety officers reference
Excvation Safety for safety officers referencessuser2c065e
 
Jewish Resources in the Family Resource Centre
Jewish Resources in the Family Resource CentreJewish Resources in the Family Resource Centre
Jewish Resources in the Family Resource CentreNZSG
 

Recently uploaded (20)

14680-51-4.pdf Good quality CAS Good quality CAS
14680-51-4.pdf  Good  quality CAS Good  quality CAS14680-51-4.pdf  Good  quality CAS Good  quality CAS
14680-51-4.pdf Good quality CAS Good quality CAS
 
Onemonitar Android Spy App Features: Explore Advanced Monitoring Capabilities
Onemonitar Android Spy App Features: Explore Advanced Monitoring CapabilitiesOnemonitar Android Spy App Features: Explore Advanced Monitoring Capabilities
Onemonitar Android Spy App Features: Explore Advanced Monitoring Capabilities
 
How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...
How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...
How Generative AI Is Transforming Your Business | Byond Growth Insights | Apr...
 
TriStar Gold Corporate Presentation - April 2024
TriStar Gold Corporate Presentation - April 2024TriStar Gold Corporate Presentation - April 2024
TriStar Gold Corporate Presentation - April 2024
 
Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...
Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...
Intermediate Accounting, Volume 2, 13th Canadian Edition by Donald E. Kieso t...
 
The-Ethical-issues-ghhhhhhhhjof-Byjus.pptx
The-Ethical-issues-ghhhhhhhhjof-Byjus.pptxThe-Ethical-issues-ghhhhhhhhjof-Byjus.pptx
The-Ethical-issues-ghhhhhhhhjof-Byjus.pptx
 
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
 
business environment micro environment macro environment.pptx
business environment micro environment macro environment.pptxbusiness environment micro environment macro environment.pptx
business environment micro environment macro environment.pptx
 
Pitch Deck Teardown: Xpanceo's $40M Seed deck
Pitch Deck Teardown: Xpanceo's $40M Seed deckPitch Deck Teardown: Xpanceo's $40M Seed deck
Pitch Deck Teardown: Xpanceo's $40M Seed deck
 
EUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exportersEUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exporters
 
Memorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQMMemorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQM
 
1911 Gold Corporate Presentation Apr 2024.pdf
1911 Gold Corporate Presentation Apr 2024.pdf1911 Gold Corporate Presentation Apr 2024.pdf
1911 Gold Corporate Presentation Apr 2024.pdf
 
WSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdfWSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdf
 
Introducing the Analogic framework for business planning applications
Introducing the Analogic framework for business planning applicationsIntroducing the Analogic framework for business planning applications
Introducing the Analogic framework for business planning applications
 
WAM Corporate Presentation April 12 2024.pdf
WAM Corporate Presentation April 12 2024.pdfWAM Corporate Presentation April 12 2024.pdf
WAM Corporate Presentation April 12 2024.pdf
 
How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...
How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...
How To Simplify Your Scheduling with AI Calendarfly The Hassle-Free Online Bo...
 
trending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdf
trending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdftrending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdf
trending-flavors-and-ingredients-in-salty-snacks-us-2024_Redacted-V2.pdf
 
Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...
Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...
Horngren’s Financial & Managerial Accounting, 7th edition by Miller-Nobles so...
 
Excvation Safety for safety officers reference
Excvation Safety for safety officers referenceExcvation Safety for safety officers reference
Excvation Safety for safety officers reference
 
Jewish Resources in the Family Resource Centre
Jewish Resources in the Family Resource CentreJewish Resources in the Family Resource Centre
Jewish Resources in the Family Resource Centre
 

Clp v2

  • 2.
  • 3.
  • 4.
  • 7.
  • 10.
  • 11. Know your customer- 2 -
  • 12. Opportunities for the Majority Launched by IDB President Luis Alberto Moreno in 2007. Set up as an incubator within the private sector to drive innovation and best practices in applying market-based solutions to advance economic and social development. US$ 250 million set aside from the Bank’s Ordinary Capital. Created to foster collaboration between the public and private sector, and civil society, to attract new resources to address poverty challenges in the region.
  • 13. Why work with the IDB? Source of financing: The IDB is the main source of multilateral financing and expertise in Latin America and the Caribbean. Regional footprint: IDB offices in 26 countries in the region. Opportunities for the Majority: Dedicated team created to support the design and implementation of BOP business models with the private sector. Resources for business innovation: Support the piloting of pre-commercial initiatives with the potential to scale. Blended finance: Comprehensive financial options, including non-reimbursable resources to leverage lending products. Public policy support: Partnerships with local and national/federal governments to facilitate project development and implementation.
  • 14.
  • 15. US$5 and 10 million per operation (financing between 25% and 50% of the total project cost)
  • 19.
  • 20. Innovative with the capacity to be repeated and scaled
  • 21. Sponsored by organizations with majority shares owned by an entity from one of the 48 member countries
  • 22.