Seminar on Mobile Banking

A seminar on mobile banking was held on 27 November 2014. The seminar, organized by the WTO Committee on Trade in Financial Services, brought together representatives of international organizations, WTO Members and the industry to discuss how mobile banking can help the poorest sections of society benefit from financial services and thus support development. The seminar also discussed the role that trade policy and the GATS can play in supporting mobile banking initiatives.

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Chair: Ms. Caroline McCarthy (Chair, Committee on Trade in Financial Services)

10:00 – 10:15

Opening Remarks


  • Mr. Yi Xiaozhun, Deputy Director-General, WTO


10:15 – 11:45

Mobile Banking: Overview, Trends, Challenges and Opportunities

This session will set the scene and provide an overview of mobile banking, understood in a broad sense, as encompassing the supply of banking and other financial services through mobile telecommunication devices. Presentations will discuss developments around the world, providing an introduction to the business, technological, regulatory and policy aspects involved in mobile banking. International organizations are also invited to discuss their work in this area.



  • Mr. Torbjörn Fredriksson (Chief; ICT Analysis Section; Science, Technology and ICT Branch, Division on Technology and Logistics; UNCTAD)
    > Presentation
  • Mr. Vijay Mauree (Programme Coordinator, Telecommunication Standardization Bureau, ITU)
    > Presentation
  • Mr. Andrew Lake (Financial Institutions Group, Global Specialist - Digital Financial Services & ADC, International Finance Corporation)
    > Presentation



11:45 – 13:00

Mobile Banking: the Industry Experience
In this session, industry representatives will share their experiences on the development of mobile banking, discussing, inter alia, current developments, the different business models and services, the prospects for the industry, the results achieved and challenges faced in different contexts.



  • Mr. Redouane Najm-Eddine (Chairman of the Board, Al Barid Bank, Morocco)
    > Presentation



13:00 – 15:00



15:00 – 16:30

Mobile Banking: Regulatory Issues
In this session, regulators will present their experiences on the development and implementation of regulatory frameworks for mobile banking. Presentations will discuss, inter alia, the policy objectives pursued by regulations, the risks raised by mobile banking, the obstacles faced in developing and enforcing regulation, the results achieved and the lessons learned.



  • Mr. Klaus Loeber (Head of Secretariat, Committee on Payments and Market Infrastructures, Bank for International Settlements)
    > Presentation
  • Mr. Adrian Steiner (DG Internal Market, European Commission)
    > Presentation
  • Mr. JIANG Zeshen (Director, China Banking Regulatory Commission)
    > Presentation



16:30 – 17:45

Mobile Banking: Trade Policy Issues
This session will further explore the "trade" issues raised by mobile banking, and the role played by trade policy. Drawing from the previous presentations, speakers in this session will identify and discuss the main trade and trade policy issues raised by mobile banking, so as to provide a basis for further debate. 



  • Mr. Hamid Mamdouh (Director, Trade in Services Division, WTO)
  • Ms. Julie-Anne Guivarra (Director, Services Trade and Negotiations Section, Office of Trade Negotiations, Australian Department of Foreign Affairs and Trade)
  • Mr. Sudhir Sooklal (Director, Trade and Services, Division of International Trade and Economic Development, Department of Trade and Industry, South Africa)



17:45 – 18:00

Closing Remarks by the Chair