Mkurugenzi
Mtendaji wa Benki ya CRDB, Dr. Charles Kimei akiwaelezea wageni
waalikwa nia hasa ya Benki ya CRDB kuanzisha huduma za kibenki kwa njia
ya mawakala iliyopewa jina la fahariHuduma.
Mkurugenzi
wa Masoko wa Benki ya CRDB, Tully Esther Mwambapa akiwakaribisha wageni
waliofika kushuhudua uzinduzi wa fahariHuduma.
Afisa
wa Benki ya CRDB anayehusika na huduma za kibenki kwa njia ya
mawakala(fahariHuduma),Donat Mushi akitoa somo juu ya namna ya kuwa
wakala na faida zake.
Mwanamuziki wa kizazi kipya Mataluma akiwa na wacheza shoo wa THT wakiwaburudisha wageni waalikwa.
Naibu Mkurugenzi wa Benki ya CRDB, Esther Kitoka akitoa zawadi kwa baadhi ya wageni waliohudhuria uzinduzi wa fahari Huduma.
Wafanyakazi
wa benki ya CRDB wakifurahi kwenye picha ya pamoja na Mkurugenzi wa
Masoko wa Benki hiyo, Tully Esther Mwambapa kwenye uzinduzi wa
fahariHuduma.
Leading
Financial Services provider CRDB Bank PLC has beat the pack to be the
first bank in Tanzania to launch Agency Banking Services dubbed
“FAHARIHUDUMA” in yet another move aimed at expanding its reach to
provide services to the unbanked population in the country. Agency
Banking is a concept whereby a commercial bank contracts an entity or
individual to provide specific services on its behalf, bound by a
written contract between the bank and the ‘agent’.
Speaking
during the launch of the Service, CRDB Bank Managing Director Dr.
Charles Kimei said the Bank continues to leverage technology and
innovation in its service delivery so as to consistently provide
unrivalled customer experience in the banking industry in Tanzania and
by extension Burundi.
Dr.
Kimei said: “Low incomes and high cost of banking coupled with lengthy
procedures and the obvious lack of extensive bank networks have denied
many Tanzanians the valuable financial services provided by banks and
hence slowed our development as a country”.
“As
a bank, we are committed to ensuring that reliable banking services are
easily accessible and the CRDB Agency Banking model provides just the
right solution that the financial services industry needs,” Dr. Kimei
added.
The
MD noted that the CRDB Agency Banking model will provide a uniquely
placed and profitable avenue to serve the unbanked population within the
existing banking environment and subsequently grow the bank’s customer
deposits by tapping into the retail market and attracting the bottom of
the pyramid. Only a marginal 12.4% of the Tanzanian population is
formally banked and this is mainly due to poor infrastructure, lack of
awareness, social exclusion and low literacy levels.
“With
“FahariHuduma” model, all our customers will access the banking
services through our appointed agents across the country. We are working
with reputed businesses, government offices as well as other credible
institutions within market centers to provide these services on our
behalf so that we cover remote and sparsely populated areas which are
often alienated due to poor infrastructure,” said Dr. Kimei.
“Tanzania
Postal Corporation has formally agreed to be one of biggest agents by
letting us use their outlets country wide for the service” added the MD.
“We are also in final agreements with many other large institutions and
individuals to become our agents and help achieve this important
milestone”.
“At
this initial stage, our agents will be connected to our agency banking
platform through our Point of Sales and be equipped with a telephone set
with SimBanking facility to facilitate deposit taking and withdrawals.
All the agents need to do is to open and fund an agent float account
with the Bank and we will take care of the rest,” said the Chief
Executive.
The
CRDB Bank Head also explained that CRDB Bank agents will offer a range
of banking services including: card/cash deposit and withdrawal, cash
disbursements and repayment of loans, payment of utility bills,
retirement and social benefits, transfer of funds (within CRDB bank
network), balance inquiry and generation of mini statements as well as
collection of documents in relation to account opening, loan
application, credit and debit card application.
“These
comprehensive services will be offered by our agents but the number of
services to be offered will be determined by the Agent’s rating during
evaluation,” He stated.
Dr.
Kimei further promised Tanzanians of more innovative and world class
services still to come, “We will continue to invent new ways of
delivering our products and services in a manner that will endear the
bank to its customers and agency banking is one such channel as it not
only eliminates the need for customers to travel long distances for
service but also makes it cheaper for them to access our products and
services,”
Head
of Marketing, Research and Customer Service at CRDB Bank Ms.
Tully-Esther Mwambapa speaking at the function added: “In this set up,
the CRDB Bank branches will be a crucial component because the appointed
agents will be linked to them (the branches) for first level support
and ensure compliance; customer service and standards are adhered to.”
The
concept of Agency Banking has been adopted widely in other parts of the
world including neighboring Kenya and is viewed as the most cost
effective strategy for banks to expand their networks. The cost of
network expansion using Brick & Mortar (traditional branches) is
expensive in terms of construction, maintenance, hiring, rentals,
communication and infrastructure.
Last
month the Bank of Tanzania (BoT) approved CRDB Bank’s application
giving it a green light to launch the service effective May 2013. These
developments come even as the Bank continues to solidify its position as
a leading financial services provider in the region. Earlier in the
year, the bank announced impressive financial performance with a TZS107
Billion profit that was attributed to increased customer deposits and
innovative products. Managing Director Dr. Charles Kimei believes that
there is huge potential for the bank in Tanzania and other neighboring
countries and an active plan is in place to increase the footprint month
on month.
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