Muhammad Arif Sargana Director (Economic Affairs) Pakistan ... WSIS Targets & Digital... ·...
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Transcript of Muhammad Arif Sargana Director (Economic Affairs) Pakistan ... WSIS Targets & Digital... ·...
Muhammad Arif Sargana
Director (Economic Affairs)
Pakistan Telecommunication Authority
Sept, 2016
Islamabad, Pakistan
Affordable BB Services o Fast Track right of way o USF to fund BB access in un-served areas o Fast Fiber roll out
Availability of Spectrum o Immediate auction of spectrum in 2100 & 850 MHZ o Spectrum Reframing o Spectrum availability for digital Microwaves
Suitable Backhaul o Improve access to national On-line Services o Diversity of routing o Load sharing on international capacity
Competition in Retail BB
◦ Framing Sector specific Competition Rules
◦ Incumbent obliged to provide last mile
infrastructure
◦ Availability of Wi-Fi Hot spots
◦ Encourage the development of contents
Market Research Organizations (BMI, Gallup, Ericsson Research Lab, etc)
International organizations (ITU, GSMA, World Bank, etc.)
HH with Computers - 19%
HH with Internet access - 24%
ICT Skills - Who can ◦ Copy or moving files - 60%
◦ Emails with attachments - 45%
◦ Transfer file b/w PCs - 25%
◦ Using basic formula - 23%
• Most people in Pakistan have access to basic voice telephony, mostly using mobile phones
• Moving into an age where mobile use is about more than circuit switched voice and SMS
• Deployment of Fibre
Wide-spread overage of cellular mobile services in provinces of Pakistan 43% of rural population of the country where 3G and 4G LTE service is available.
0.0
10.0
20.0
30.0
40.0
50.0
60.0
70.0
80.0
2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 Jul-16
1.6 1.7 1.7 1.4 0.4 0.3 0.3
64.8 68.4
71.7 76.5
60.7
69.1 69.0
1.8 1.7
1.7
1.7
1.7
1.5 1.5
Perc
enta
ge
Fixed Local Loop Cellular Mobile
79.6 75.1
71.8 68.2
70.9
62.8
71.8
Teledensity in Pakistan
26,6
11
45,1
53
168,0
82
413,8
09
900,6
48
1,4
91,4
91
2101315
2,7
21,6
59
3,7
95,9
23
16,8
85
,51
8
21,1
86
,58
5
24,8
10
,24
0
30,9
66
,58
1
32,4
15
,33
9
34,5
44
,58
1
-
5,000,000
10,000,000
15,000,000
20,000,000
25,000,000
30,000,000
35,000,000
40,000,000
Tota
l Bro
adband S
ubscri
bers
Addition of 31.8 million mobile broadband subscribers since the launch of 3G and 4G LTE services: more than 1.3 million additions per month .
1.9
3.7
7.7
12.1 13.5
18.0
22.9
27.9 29.5
31.8
0.0
5.0
10.0
15.0
20.0
25.0
30.0
35.0
Jul-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Jul-16
3G
/4
G S
ub
scri
bers
(In
million)
Cellular Subscribers growth
0
20
40
60
80
100
120
140
5.012.8
34.5
63.2
88.094.3
99.2108.9
120.2128.3
139.9
114.7
133.2
Mil
lio
n
Su
bscrib
ers
Extensive Data Usage on 3G Networks
3G shares % 2G shares %
Voice 3% 87%
Data 97% 13%
1,243 1,322
1,601
1,887 2,392 2,837 2,583 2,954 3,503
3,133 2,857 3,196 363 691
4,448
8,634 9,594
14,841
17,942
21,932
24,434
28,535
63 143 266 996 2,536
4,701
6,704 8,089
1243 1322 1964 2578
6903
11614 12443
18,790
23,980
29,765
33,995
39821
-
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
Jan-14 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Jul-16
In T
err
a B
yte
s (T
Bs)
2G 3G 4G Total
3G Launch
4G Launch
1,079,023
1,366,905
1,506,251 1,479,129
-
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
2012-13 2013-14 2014-15 2015-16
(Fixed-broadband subscriptions)
Diffusion of PCs and Internet access devices
Very low digital literacy in an otherwise large population
Less digitization of the economic activities
Local content availability
Limited provision of broadband connectivity to public facilities and offices
Web Content, applications (“apps”) & services
E-Government
Law and Regulatory Policy ◦ Upgrade of Licensing ◦ RF Spectrum
Infrastructure policy ◦ Common access/competition /subsidy
Policy coordination to underwrite ISP demand in education, health, administration
Skills and capacity development
1. Much more ambitious goals – towards e-inclusion across all sectors of the economy
2. Reaching rural areas by commercial companies, especially mobile
3. Common access and competitive infrastructure needed
4. Funding – USFs, direct budget/stimulus & PPP’s
5. USF is a key financing instrument
6. Competitive tender to build new backbone &/or access infrastructure
7. Stimulate Private Demand in the ICT Sector – e.g., PC initiatives, industry & educational initiatives, local services
8. Can be used effectively for demand side funding – e.g., schools ICT
9. Include both ICT and the use of ICT to achieve wider inclusion objectives.
10. Tax/fiscal incentives to network components & build-out
16
Access:
• Convenient access points to connect those who are excluded
• Digital Transactional Accounts, with scale and viability through digitization of payments, transactions
• Increase percentage of adults living within 5 kilometers of an access point by 2020.
• Widespread acceptance networks and interoperability
Use, Range of Services:
• Diverse Product Ecosystem
• Increased SME lending as % of total lending
• Capacity and incentives to offer diverse range of tailored financial services with adequate oversight
• Consumer awareness and literacy to be able to select and use appropriate financial services
Currently:
16% of adults
with bank accounts which were 12% in 2008 survey (33% increase).
2020 Vision:
50% of adults
with transaction account
Long term:
Universal financial access
Regulatory Environment
Two Regulators- Central bank and Telecom Regulator Working Together
Separate Regulations by Both regulators – Jointly prepared
SBP’s Branchless Banking Regulations, 2008 (updated 2011)
PTA’s Regulations for Technical Implementation of Mobile Banking, 2016
SBP’s Regulations for Mobile Banking Interoperability, 2016
Third Party Service Providers (TPSPs) and financial institutions that offer m-banking services
• Provides detailed mechanism for technical implementation of one-to-one and any-to-any model of m-banking
• Existing models (one to one) will continue with their arrangements without the requirement of separate license
A joint PTA and SBP committee to resolve the disputes between the parties, and to protect consumers’ interest.
Operators and TPSPs shall put in place an effective and comprehensive consumer protection mechanism against risks of fraud, loss of privacy, delays in service provisioning etc. to the consumers.
Quarterly Review of market dynamics, regulations and SOPs
Telenor
Tameer
Microfinance Bank
Easy Paisa
(Oct 2009)
CM Pak
Askari Bank
Time pey (On
time)
(Nov 2012)
Mobilink
Mobilink
Microfinance
Bank
Jazz cash
(Dec 2012)
Ufone
U-
microfinance
Bank
U-Paisa
(Jul 2013)
Warid
Bank Alfalah
Mobile Paisa
(Dec 2013)
Total mobile banking accounts (m-wallets) -approx. 16 million (35% of the 45 million commercial bank accounts)
375 million annual m-banking transactions
Annual amount transacted through m-banking - US$ 19 billion
300,000 m-banking agents all over Pakistan, which are more than 25 times the total number of bank branches (12,000) in Pakistan.
0.0
2.0
4.0
6.0
8.0
10.0
12.0
14.0
16.0
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
Number of m-wallet accounts (in million) (RHS) No. of agents
Year Deposits in m-banking
accounts No. of m-banking
transactions
Amount transacted through m-banking
accounts
(As of end Dec) (during Jan to Dec)
Rs. in million Growth (%) In million Growth (%) Rs. in million Growth (%)
2011 550 59.0 209,120
2012 1,055 92% 120.9 105% 492,282 135%
2013 2,639 150% 191.9 59% 802,496 63%
2014 6,668 153% 278.4 45% 1,352,517 69%
2015 8,827 32% 375.0 35% 1,872,451 38%
Source: State Bank of Pakistan
Low usage of m-wallet accounts
◦ Active to total m-wallet accounts ratio is only 40%
Mobile Money users are unable to use their electronic money in their daily lives in the same way they use cash – to buy their essential daily items
Expensive mobile money transactions (mostly through OTC)
Lack of merchant acceptance
High taxes (16% sales tax and 15% WHT on the earnings of agents). Govt. has also imposed additional WHT on the transaction amount of non-filer.
◦ Low Interoperability in payments
Target 1. Connect all villages with ICTs and establish community access points Target 2. Connect all secondary schools and primary schools with ICTs; Target 3. Connect all scientific and research centres with ICTs; Target 4. Connect all public libraries, museums, post offices and national archives
with ICTs; Target 5. Connect all health centres and hospitals with ICTs; Target 6. Connect all central government departments and establish websites; Target 7. Adapt all primary and secondary school curricula to meet the challenges
of the information society, taking into account national circumstances; Target 8. Ensure that all of the world’s population has access to television and radio
services; Target 9. Encourage the development of content and put in place technical
conditions in order to facilitate the presence and use of all world languages on the Internet;
Target 10. Ensure that more than half the world’s inhabitants have access to ICTs within their reach and make use of them; Proposed
Target 11: Connect all businesses with ICTs.
Source: Partnership on Measuring ICT for Development (2011).
Accurate, meaningful and objective analysis of ICT indicators help governments to:
◦ Design and evaluate ICT policies and strategies
◦ Country vs. region vs. world comparison of ICT development
◦ Devise means and ways to bridge the digital divide
ICT data is the key parameter for investors to make their business decisions
ICT indicators help monitor the progress towards becoming information societies.
The growth and development of ICT require a continuous review of existing ICT indicators and their definitions.
Need for a lead organization on pooling ICT data sources in Pakistan
◦ Minimum coordination among stakeholders
Overlap in regulatory ambits of FBR, PTA, SBP, PBS (e.g. revenue reporting and tax collection; telecom indicators for GDP calculation)
Timely and accurate provision of data by operators
Manual data collection and management
Discouraging response of industry consultation on data collection
Collaboration between
Government agencies- under
a centralized lead agency
•MoIT may take the lead role
•Joint Working Group
Regular consultation with
telecom operators
Automation of ICT Indicators
Database
•On-line data reporting
•PTA’s in-house database
•Big data analytics
Annual
Symposium/Conference on
ICT Indicators
•Progress review
•New data requirements