HBL to Offer Branchless Banking by Early 2012

Habib Bank Limited is reportedly all prepared to get into branchless banking business service in Pakistan to give competition to established rival like Easypaisa with a bank led branchless banking solution.

From what we have heard HBL will introduce branchless banking solution in market by early 2012. Through sources we know that HBL has spared millions of dollars for the marketing spend, and they are planning to big bang the market when they launch in January 2012.

HBL claims that their branchless banking solution would be more sophisticated than what we already have in market, i.e. in addition to those standard services of bill payment, mobile wallets and local remittance, HBL will go ahead to offer retail solutions to merchants to enable their customers to pay taxi fare, gas station charges or for other similar retail outlets with mobile phones. HBL aims to offer international remittance from Mobile phones as well.

Azfar Jamal, head of branchless banking at Habib Bank, in a conversation with ProPakistani told that they have partnered with Sybase 365 to provide the technology, infrastructure, and software solution for the product, while they will use Ufone as telco partner to get USSD access. Abacus Consulting is said to be the responsible for deployment of the product.

HBL’s this arrangement with Ufone won’t be exclusive in nature as they may get other operators on board to start offering the services to customers in large.

HBL has support of 1500 branches in the country. Bank plans to pitch and grab 4 to 5 million of their existing customers for branchless banking solutions.

We are awaiting more details on features and pricing structure to be better positioned to compare HBL BB services with EasyPaisa and UBL Omni.

Following is the official release this:

imageSINGAPORE –Nov 15, 2011: HBL, Pakistan’s largest bank, inked a Technology Support agreement with Sybase 365, the global leader in mobile messaging and mobile commerce services, and AbacusConsulting, leading management and technology consultancy firm, for the deployment of branchless banking services. Senior Management of HBL, Mr. Faiq Sadiq – Head of Payment Services, Mr. Mudassir Khan – Chief Information Officer, Tarik Husain, Business Development Director, mCommerce – Sybase 365 and Mr. Abbas Ali Khan – Senior Partner, Abacus Consulting along with other officials of Sybase365 were present on the occasion

Pakistan is one of the fastest developing markets for branchless banking in the world. HBL’s branchless banking initiative is a large scale deployment in the region, which will create opportunities for bringing unbanked segments of society into the financial network. Sybase 365 and Abacus Consulting will implement branchless banking services for HBL and facilitate this large scale deployment for capitalizing on great market potential including rural and unbanked population.

On this occasion, Mr. Faiq Sadiq commented “This initiative of BB will address 85% of the un/ under banked population of Pakistan, through which HBL is looking to enhance its number of customers substantially as well as focus on a systematic strategy of financial inclusion leading to inclusive growth in this region”. Mr. Mudassir Khan also commented about selecting Sybase 365 by saying: “After looking at several m-commerce and branchless banking solutions, we decided to choose Sybase 365 that is owned by SAP and is a leading global platform. We are confident that it will give us an edge as it has the required scalability, performance and interoperability to ensure that HBL provides an unmatched customer experience.”

The competitive business and technology insights of AbacusConsulting and Sybase 365 will provide a winning combination to HBL. “We are pleased to be a part of this immaculate transformation of financial sector in partnership with HBL. This initiative is a step towards making branchless banking in Pakistan commercially viable and sustainable. This large scale deployment is the first of its kind which opens door for innovation and advancement in financial sector of Pakistan, said Abbas Ali Khan, Senior Partner, AbacusConsulting.

Sybase is the world’s largest provider of mCommerce solutions and services to mobile operators and FSIs globally. “Today’s global economy is becoming a mobile economy with consumers requiring convenient access to transaction channels anytime, anywhere,” said Matthew Talbot, senior vice president, mCommerce, Sybase 365. “Our partnership with the HBL to provide a leading mCommerce solution is pioneering the way customers interact with their financial institutions and communities.”

Tech reporter with over 10 years of experience, founder of ProPakistani.PK


  • Badshah

    Good to know. Waisey ye ap hi they jo Pehle HBL se bht naraaz they . am right ?

    • admin

      Narazgi apni jagah, news apni jagah…

      • Khan

        well said Admin. I think HBL is trying to follow UBL. Am i right ??

        • admin

          Bank led branch-less banking has potential, especially when they get this opportunity of involving more than one telco to stretch the reach of their services.

          Omni had this chance but probably they failed to brand the product well, or maybe Easypaisa undermined it.

          This is the ripe time for any new service, as customers are now more aware of branchless banking concept – meaning service adoption is way easier than it was in 2009. All they need is to offer quality of service and obviously better rates than Easypaisa. EP is pricey

          • MIAN ADEEL

            i m tameer bank empleoyee. i m interisted in it, join or start it in jaranwala fsd. 0345-7853539

  • usman

    good offe.
    Hamaray gaoo mai abi tak bill payment ke koi service nhi hai,hamari aik bht bari genral store ke shop hai aur mai HBL BB Ke service rakhna chahta hoo iskay leyay mai kaya karoo?
    Cell: 03006108610

    • Copper

      Kia easypaisa aap kai gaaon main nahin hai abhi tak?

  • Khan

    yes EP is expensive but still have a good list of customers/users. Such kind of banking is getting very popular now a days and if HBL service is upto mark. They will will get its reward, otherwise we have already an example of UBL Omni

  • Qadeer

    Good initiative taken by HBL as it will increase competition in the market and will reduce prices but hope will increase quality and number of services available in the branchless banking. lets keep our fingers crossed.

  • you can also change Administrator Password by using an Guest account…..want to know how to do this just click on “hassan”

  • Bilal

    Cost reduction in financial services for sure is one of the key outcomes of Branchless banking but the secret of success for any provider lye on quality and outreach of service. And we all know what issues EP and UBL Omni faced over the last couple of years. HBL due to its leadership in banking industry and learning from market experience, is in better position to address them from the launch of its very first BB service.

  • Copper

    Sybase, not a good choice, but good luck!

  • usman

    nhi
    na thu easypaisa hai aur na he omni hai
    logo ko bill jama karwanay door jana parta hai
    aur hum company ko aik month mai minimum 2,00,000. Ke transations day saktay hai.

  • Aswad

    They Should also work on a local onlime payment gate way so we people can also step into online shopping and use our own payment method , easy pessa is very basic thing for online payment ..we need an online wallet kind of service like paypal, moneybookers ..so we can transact ..this will open so many opportunities …Its the perfect time to move ahead !!

  • Hassan

    I didn’t know about sybase but did a little research after Copper’s message. Sybase is huge name in IT and they are acquired by SAP now. In my opinion, HBL made the smartest move!

  • Seemal

    I am a fresh grad from Lancaster University Management School and worked with CGAP on my research assignment on Branchless Banking. Pakistan is definitely the most promising market for Branchless Banking and world is eyeing on it.

    I am not the technology geek but I know that Sybase has got global footprints wrt Branchless banking and mPayments and Sybase software is rated on top by many reputed Analyst firms, am sure the evaluation would have been based on comprehensive evaluation framework.

  • Meher Hassan

    Excellent HBL. wipe off EP and Omni.

    • Cindy

      If the card is under his name, you won’t be able to do it unless you have the PIN and go to an ATM.He will find out in the end so maybe just sit down and talk to him about this.

  • shahzad saleem awan

    mari pas ubl omni ha agar ap muji branch dana chaho to ap muji mail kar sakti ho

  • qaim khan

    sir man hbl brachless banking ki frachis lana chata hon. sanghar city man so contact 03443735419 036353734 email:[email protected]

  • dilawer khan

    mein hbl ka hisa bana chahta hoon so kindly reply me ow to open franchise of hbl brachless banking at hathango city khipro contac:
    03133108257
    [email protected]

  • usually

    listed below are several listings in order to websites which i hook up to since we believe they will be worth visiting.

  • Qaim khan

    dear sir thanks to u, and hbl, i wating to 2012 hbl breanchless baking

    from qaim khan
    sanghar city contact 036353734 03443735419 email:[email protected]

  • Qaim khan

    hello sir how r u
    sir man hbl branchless ki franchies lana chata hun, app ki taraf say 1 maonth pahly ak call phi aathi, laken pir us k baad abhi tak koi rabta nahi howa ha. so plz i wait to hbl breanchless banking

  • qaim khan

    salam sir
    how r u? i hope fine,
    sir mane pahly bhi app janab ko aarz keya howa ha,k man hbl branchless bank ki franchis lana chata hoon plz plz plz sar contact me,
    qaim khan 03363533734
    03003589028,
    email: [email protected]

  • PREM KUMAR

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  • PREM KUMAR

    OR HAN MUJ SAY AGR AAP CONTACT KRO TO MAIRY MOB NUM PAY KRNA E MAIL ADDRESS PAY NHEIN

  • Qaim Khan

    sir man hbl branchless banking lana chata hoon,mane pahly bhi is k leye app ko arz keya tha,laken koi response nahi mila,plz contact with me,03363533734 03003589028 [email protected]

  • m rahman

    very good ihave already easy paisa available
    but i want your hbl branch plz reply me yes or no i am waiting your mail

  • m rahman

    plz reply me i want your branch plz mail me for the guidance

    • usman

      sir plz mujh say rabita kary mari achi louction per shop hai. or ap k laws par pora utry gay Data hajvery store or sir ap ka form fil kar dia or sir mery phone nomber par rabita kary I am waiting your call 0333 4907576

  • Roshan Ali

    we need wmz service in pakistan

  • qaiser khan

    dear qaim khan m n sanghar m HBL BB KI franchise leli hai ap cont kren 03453737376

    • IQBAL AZEEM

      bundle of thanx mr:Qaisar Khan for briffing about HBL BRANCH LESS BANKING.

      Iqbal Ahmed Panhwar , dadu sindh pakistan.

  • zafar ali rind

    t into branchless banking business service in Pakistan to give competition to established rival like Easypaisa with a bank led branchless banking solution.

    From what we have heard HBL will introduce branchless banking solution in market by early 2012. Through sources we know that HBL has spared millions of dollars for the marketing spend, and they are planning to big bang the market when they launch in January 2012.

    HBL claims that their branchless banking solution would be more sophisticated than what we already have in market, i.e. in addition to those standard services of bill payment, mobile wallets and local remittance, HBL will go ahead to offer retail solutions to merchants to enable their customers to pay taxi fare, gas station charges or for other similar retail outlets with mobile phones. HBL aims to offer international remittance from Mobile phones as well.

  • shakeel ahmad jaranwala

    dear sir i have started hbl frenchise in jaranwala city from two months. people in city & rural areas are very happy to work with hbl the largest financial services provider bank in pakistan. i have coverd most area in my subdistrict by making spokes who will be the partner & services provider from hbl. thanks shakeel ahmad jrw