* Proyectos BPM/BPO: plataformas operativas de gestión propia o subcontratación de procesos de negocios.
If one observes the flow of mobile payment in the world, surprisingly, its use concentrates in regions with low level of development and, among them, particularly in Africa. The exact figures are difficult to pin down, but approximately 60% of the world’s total registered mobile banking users are registered in Africa (about 200 million), and in terms of suppliers, 261 companies are known worldwide, of which more than half operate in sub-Saharan Africa.
Why this leadership? It is precisely because of the low degree of development of these regions, and in particularly Black Africa, where a very large number of citizens have a mobile phone, whereas very few have bank accounts. That is, they have progressively incorporated to the digital world without going through the analogue processes. The increase in 3G coverage and the growth in sales of low-cost smartphones make the prospects of digital banking enormously favorable.
The Kingdom of Morocco, followed by South Africa, Tunisia and Egypt, leads the African ranking on e-government of The United Nations, where it stands out for having made the most significant progress, providing a stable and secure legal, economic and technical framework for the ICT. In fact, it is the first African country to pass legislation on competitiveness in the telecommunications sector, which includes private operators. The actions that take place in the Alawi Kingdom will serve as a model for presentation in other African countries, as Morocco has positioned itself as a regional technological hub in both the Maghreb countries and sub-Saharan Africa.
In Morocco, electronic banking has been growing uninterruptedly for 5 years at a rate of 10%, with more emphasis on the increase in Moroccan banking than on foreign banks, because of the conservative business structures. At present, Morocco is the continental and regional leader in electronic commerce and electronic banking, which has generated a great demand for programs that guarantee security in transactions, the implementation of online marketing and the creation of new networks of distribution.
The challenge ahead is to shift the offering of low-value transaction services, such as cash withdrawals and check deposits, to high-value services such as loans, e-commerce, and financial and business advice.
It is in this sense that we are offering consulting projects to both national banks and local companies in the insurance sector, developing the following services:
* Banking back office professional administrative services, financial products (outsourcing of financial asset services, credit management, file processing); HR; marketing and sales, customer service (customer registration process), etc.
* BPM / BPO projects: operational platforms of own management or outsourcing of business processes.