SAP takes very seriously its business development in Africa. A continent lagging behind in terms of IT infrastructure but whose economic actors seek to develop innovative applications and address specific issues. In South Africa, Standard Bank decided to offer his services to the unbanked using platforms Mobility, Business Banking Suite and Supply Chain of the publisher.
For seven years now, Standard Bank benefits from SAP tools in South Africa to promote the device addressing some 12 million people – 33% of the population – have no access to banking services. SAP, a very concrete example that allows innovation – including a historic district – and approaches the B-to-B-to-C.
Called Banking Access, the device offers – via the mobile platform but also the SAP Banking Suite of the publisher and its CRM and analytics – to bring a number of banking services, largely virtual mode. No agency and conventional recording process, but a network of dealers from the townships (the poorest urban neighborhoods) and offer open accounts in 10 minutes to any adult with a identification. Local agents Standard Bank (over a thousand for the most aged 16 to 20 years and particularly lively keyboard) strum on smartphones provided by the group to open an account and allocate a Visa card withdrawal. Remains to activate the card in one of the 7000 access points referenced by Standard Bank, mostly small local businesses, all located near the check points.
Most often related to micro transactions from 10 to 50 Rands (1-5 euros), the transactions are either via a payment terminal or via mobile phone allocated to the merchant. In total, seven features are available, all administered by mobile devices via the user interfaces offered by SAP. We may withdraw or deposit money, also take out insurance or get a micro credit. Transactions take place in real time, via the bank account of the merchant that provides fluidity of the system. The card can also be used, again via the merchant and Standard Bank, to set the electricity or buy phone time.
For Audrey Mothupi in charge of the program at Standard Bank, “from the beginning, we benefit from SAP technologies to offer to people who previously did not have access to banking practices. Each month we record now, via a fully mobile device, more than 60,000 new accounts. But above 2.5 million monthly transactions are carried out on the access points for a $ 5 million per month. ”
Standard Bank’s interest is threefold: to win new customers, promote the emergence of favorable development of the banking system ecosystems, develop new services for members traders device. Thus, since the month of June 2012, those who wish can enjoy a range of logistics services – this time based on the brick Supply Chain SAP – for resupply. With its central location, Standard Bank intends to act as an intermediary between suppliers – as the largest Coca-Cola South Africa have decided to play the game – and resellers, who are equipped with tablet computers to manage their orders and stocks available in real time. Sydney Majocko, shopping in Tembisa, a major townships in the suburbs of Johannesburg, and shows the interest of the device: customer retention, development of means of payment, integration of a powerful banking system … For 5 years, he believes that the supply of Standard Bank has enabled him to greatly expand its business in a poor area, but the real development potential.