1. SECOND GENERATION MICROFINANCE

2. Agenda  General Context  Innovation Opportunities –Channels –Products  Enabling Technologies  Relevant Relationships

3. General Context Manuel Pedro JuanaAlberto

4. General Context Pedro JuanaAlberto Manuel

5. General Context Pedro JuanaAlberto Manuel

6. Realms of Innovation COBIS Information Factory Action Analysis Planning COBIS Core Transactional COBIS Information Factory Analytical

7. Transactional Realm  New Channels –Mobil Computing –Self-Service –Non-banking  New Services –Remittals –Insurance –Property Registry –e-Learning

8. Mobil Computing  Pocket PC vs. Palm  Cellular Telephony  Smartcards and biometrics  Blue Tooth  GPS

9. $1.07 $0.73 $0.68 $0.35 $0.27 Human Tellers Mail Check Phone (+ agent) Self-Service

10. Credit Cards Checks Debit Card E-Cash Credit Cards Checks Debit Card E-Cash Cash 1996 2010 Evolution of Payment Media ------------Transaction Value---------------- --------------------------------Volume--------------------------------

11. Commercial Trends Optimize low-value operations New channels Loyalty programs Cross-selling Security  Smartcards  3Des

12. ATM NT/Web

13. Banking on non-bank channels

14. Remittals

15. Other Possibilities Titulo de Propiedad Property Registry

16. Analytical Realm  Risk Management –Credit Risk –Liquidity Risk –Interest Rate Risk –Account Profitability  Patriot Act (Anti-Laundering)  Insurance Deposits  Impact Assessment / Business Intelligence  MicroBrokering

17. MicroBrokering IFP

18. Enabling Technologies  VPN (Internet)  XML  Smartcards (biometrics)  POS  GPS  Data Warehousing - OLAP  Notification Engine  Transactional Architecture

19. HOST FORANEO HOST COBIS HOST BRANCH FIRMAS SERVIDOR DE OBJETOS FILTRO 7X24 Transactional Architecture

20. Securit References Products Networking Control Batch Processing Balanced Scorecard ALM Crédito Risk Financial Analysis Channel Analysis Business Intelligence Customer Info Deposits Demand Time Other Loans Originations Portfolio Mgmt Collections Treasury Forex Bank Services Remittals Accounting Budgeting Teller Management Officer Station Authentication 7x24 Services Email Item Processing Imaging Workflow Internet Banking Self-Service Kiosks ATMs Switch IVR Mobil Computing Strategic Information Office Automation Virtual Banking Financial Products SOFTWARE MODULES Administration

21. Internet Self-Service CHANNELS Central Servers & Hosts External Hosts & Networks ATM Networks COBIS Transaction Gateway COBIS ATM Server COBIS Internet Server COBIS IVR/CTI Filter Phone COBIS Virtual Banking Server COBIS 7x24 TranServer Virtual Banking Mobile

22. Relevant Relationships  Banco Sol  Banco Tequendama  Amextra  Banco Agrario  Banco Cuscatlán  BanRural  Banco Macro  Coop 23 de Julio 70 Installations 13 countries 50 years!

23. Washington, Quito, Bogotá, Lima, México Info@microbanx.com