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塞内加尔:Manko, 一个全新的银行概念

02/05/2013

法兴集团在塞内加尔推出了一个全新的银行概念Manko,旨在为拥有稳定低收入但极少能够成为传统银行客户的人群提供产品与服务。所有的银行业务,包括付款、贷款、存款等,可通过Manko银行手机客户端完成。

这一独特的模式介于小额信贷和传统银行之间,在以下两方面进行了创新:

  • 银行业务中介的法律定位作为法兴集团全资子公司Manko与法兴集团控股子公司法兴银行(塞内加尔)达成合作协议,Manko提供针对目标客户的独特银行产品与服务带来了便利。这一银行业务中介的法律定位已为当地监管部门所认可批准
  • 移动电话作为唯一的电子支付工具:Manko使用法兴银行(塞内加尔)开发的Yoban’tel手机支付系统,提供所有银行产品与服务——不仅在支付方面(转账、缴费等),也包括信贷和储蓄等。
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