Refreshment Training on All Digital

Products and Services including

Aptravision and ATM Operation

CBE HRD
19/03/2024
 Comprehend the different types of cards, their
features and benefits
1 2
Learn the features and benefits of the mobile
banking and security measures

Familiarize with the internet banking features

and benefits
4
3 . Comprehend agency banking and manage its
operations
 Card Banking

Mobile Banking

Outlines
Internet Banking

Agency Banking
CBE DIGITAL BANKING PERFORMANCE
CBE Profiles Facts as of Jun 30, 2023

• Total Number of ATM 3,214 & POS Machine 4,567

• Total Active ATM Card Holders 10.67million

• Total Mobile Banking users 8.57 million

• Total Internet Banking users (> 38 thousand)

• CBE’s Birr ( Agency & Mobile Money)

• Agents…………………….... 43,622
• Merchants…………………. 56,831
• Customers(Users)………….10.24Million
 Card Banking
Internet Banking

Agency Banking
Mobile Banking
CBE CARD BANKING
CARD BANKING
CARD BANKING BUSINESS

WHAT IS CARD BANKING?

• Card banking is nothing but the act of paying expenditures through

payment cards.
CARD BANKING…
Payment Cards

• Cards are plastics (Ethiopian case) used for financial and non

financial transactions. (There are metal cards in other

countries)

• A bank card is issued by a bank to its clients.

• It performs one or more of a number of services that relate to

giving the client access to funds, either from the client's own

bank account, or through a credit account.

CARD BANKING . . .
Card Categories

Cards can be categorized :

 In terms of Payment
 In terms of Technology
 CARD BANKING . . .
Card Categories In Terms Of Payment

• Credit card – pay after:

The bank will grant a specific amount of credit for the customer to be paid
after the transaction.

• Debit Card – pay now:

The amount will be debited from the customer account at the time of
transaction.

• Prepaid card – pay before:

The amount should be deposited in advance.
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10
Types Of CBE Cards
Domestic Visa Debit Card
• Classic Normal
• Classic Women
• Noor Classic
• Noor Hilwa
• Gold Domestic
• Noor Gold
• Platinum Domestic
• Noor Platinum

11
 CARD BANKING . .

International VISA Debit Card

a. Visa Classic Debit Cards

b. Visa Gold Debit Cards

c. Visa Platinum Debit Cards

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 CARD BANKING . .

International VISA Prepaid Cards

a. VISA Classic Prepaid Card
b. VISA Gold Prepaid Card
c. VISA Platinum Prepaid Card

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13
All Classic Card (Domestic)

• Daily cash withdrawal @

ATM= 10,000

• Payment on POS at
Merchant sites =500,000

• Maximum daily cash

advance at Branches =
50,000

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 CARD BANKING . .
Gold Card (Domestic)/ • Maximum daily payment /purchase @
Noor Gold Card POS - up to Birr700,000

• Maximum daily POS cash advance at

Branches- up to Birr 50,000,

• Maximum daily ATM cash withdrawal-

up to Birr 15,000

• Issuance fee - 75

• Replacement fee - 50

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 CARD BANKING . .
• Maximum daily payment /purchase @
Platinum Card/ Noor Platinum
(Domestic)
POS - up to Birr 1,000,000

• Maximum daily cash advance at Branches-

up to Birr 50,000

• Maximum daily ATM cash withdrawal- up

to Birr 20,000

• Issuance fee - 100

• Replacement fee - 75

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 CARD BANKING . .

International Visa Classic Card

• Maximum daily cash withdrawal on

ATM up to USD 400

• Maximum daily fund transfer-Up to

card limit

• Cash Advance on POS up to USD 400

• POS payment for Purchase- Up to

card limit

• Debit Card
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 CARD BANKING . .

International visa Gold Card

• Maximum daily cash withdrawal on
ATM up to USD 1,000

• Maximum daily fund transfer-Up to

card limit

• Cash Advance on POS up to USD 1,000

• POS payment for Purchase- Up to card

limit

• Debit Card

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 CARD BANKING . .

International Visa Platinum Card

• Maximum daily cash withdrawal on
ATM up to USD 1,500

• Maximum daily fund transfer-Up to

card limit

• Cash Advance on POS up to USD

1,500

• POS payment for Purchase- Up to

card limit

• Debit Card
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 CARD BANKING . .
VISA Classic International Prepaid Cards:

 Issuance Fee - 200 birr

 Prepaid Card
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 CARD BANKING . .
VISA Gold International Prepaid Cards

 Issuance Fee - 300 birr

 Prepaid Card
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 CARD BANKING . .
VISA Platinum International Prepaid Cards

 Issuance Fee - 500 birr

 Prepaid Card
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 CARD BANKING . .
Government Procurement Card(GPC)
A GPC is developed for
government institutions to make • It is a prepaid card co-branded with logos
payments digitally using POS of our bank and the Ministry of Finance.
deployed at merchants sites.
• Our bank delivers the card to government
organizations with zero balance.

• The organizations load the card on their

own with the maximum amount allowed
by using internet banking service.

• They can make payments with the card up

to the maximum amount loaded.
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 CARD BANKING . .
Government Procurement Card(GPC)
• The card is used only for making payments at
merchants‟ business sites for goods
purchased /services received.

• It is functional only at merchants POS

terminals.

• It is not used for cash withdrawal both at POS

machines at branches of our bank and ATMs.

• Prepaid Card.

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 CARD BANKING . . • The card will be given free of
Tourist Cards charge to tourists arriving at Bole
A co-branded card allowing tourists to pay International Airport, CBE Airport
for their hotel bookings, tour packages, terminal outlets and AU Branch;
entrance fees, meals, car rents,
shopping and other related travel payments • A reloadable card: possible to
via POS or ATM machines during their stay in reload until the card is expired.
Ethiopia.
• It can withdraw and make
payments to the limit of loaded
amount on the card for 24/7.
• It is provided only for tourists
visiting Ethiopia;
• Prepaid Card

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 CARD BANKING . .

Staff Card (Domestic)

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 CARD BANKING . .

Card Categories In Terms Of Technology

a. Magnetic Stripe
b. Smart/chip Card
c. Contactless card/NFC (Near Field Communication)
d. Wearable Wristband Payment Device
e. Tap to Pay
f. Payment Gateway Service (Online Card Payment)

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 CARD BANKING . .

1) Magnetic Stripe Card

• Sometimes called swipe card or magstripe
• This is made up of tiny-iron based magnetic particles in a
plastic-like film
• Motors moving the tape so it can be read on ATM or our hand
provides the motion as we swipe a credit card through a reader
on POS
• Magnetic card encryption is based on the DES/ Data Encryption
Standard
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 CARD BANKING . .

• There are three tracks on a magstripe card

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 CARD BANKING . .

Track 1 Data
• Contains alphabetic text, and hence is the only track that contains the card holder’s name

Track 2 Data
• Holds details for account number and expiration date

Track 3 Data
• This track includes an encrypted PIN, country code, currency units, amount authorized

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 CARD BANKING . .
2) Smart/Chip Cards

EMV chip cards contain embedded microprocessors that

provide strong transaction security features and other
application capabilities not possible with traditional magnetic
stripe cards.

19 March 2024
 CARD BANKING . .

3) Contactless Cards
• Also known as ‘wave and pay’ or ‘Pay Pass’
• Currently CBE has contactless Cards, POS and
ATM devices.
• They use a near-field communication (NFC)
technology to communicate with a terminal via
radio Waves.
• The aim of this technology is to make payments
quicker and more convenient while keeping
them secure.
• The contactless chip cards also known as a dual
interface card(smart cards) with an embedded
chip and antenna facilitate both contact and
contactless transactions.
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32
 CARD BANKING . .
3) Contactless …
Contactless Payment Use-Case

• Bus fare payments

• Contactless for toll payment
collection
• Contactless payment at Grocery,
Retails and Coffee shops
• Contactless for performing online
transactions
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 CARD BANKING . .
3) Contactless …
Benefits of Contactless Cards
• Speed: contactless cards are much quicker to use
• Convenience
• Ease of Use
• Limit physical interactions
• Security
• No extra costs
• Environmentally friendly.

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 CARD BANKING . .

4) Wearable Wristband Payment Device

Wearable is electronic technology or devices that can be comfortably worn
on a body and used to make payments.

• It enables us to make safe and fast contactless payments and

withdrawals;
• It saves time to purchase something;
• It is convenient to make payments & withdrawals;
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 CARD BANKING . .

4) Wearable …
• It is a desirable option for expedient and sanitary;

• It is portable and hands free;

• Perform payments with wristbands via contactless POS

without cash or debit cards.

• Perform cash withdrawals on contactless ATMs without using

debit cards.
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 CARD BANKING . .
5) Tap To Pay
• Sometimes Called as Tap to Phone
• It enable customers for payments of goods and
service with all type of CBE contactless cards.
• It allows the business to accept contactless
payments with no additional hardware.
• It uses a soft POS
• Reconciliation and other activity is the same as
with POS transaction

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 CARD BANKING . .
6) Payment Gateway Service (Online Card Payment)
• A payment gateway is an online service that allows
businesses and individuals to accept payments from
customers through their websites or mobile applications.
• It is a secure bridge b/n the customer payment method and
the merchant’s bank account, facilitating the authorization
and processing of transactions.
• Payment gateways are interfaces used to collect
consumer payment information.
• In physical stores, payment gateways consist of the point-of-
sale (POS) terminals used to accept credit card information
by card or by smartphone.
19 March 2024
 CARD BANKING . .
Payment Gateway workflow
6) Payment Gateway …
In online stores,
payment gateways are
the “checkout” portals
used to enter credit card
information or
credentials for services
like booking for hotel
rooms or
transportations.
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 CARD BANKING . .

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 AUTOMATED TELLER MACHINE
(ATM)

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 ATM . .

ATM Classification
Based on Dispensing mechanism products
• Friction
• Vacuum

Based on Cash Access (cash vault)

• Front Access
• Rear Access

Based on Brand

NCR, Diebold, Win core, Banquet (Bull)

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 ATM . . .
SELF SERVICE ATM
LOBBY ATM TTW ATM

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 ATM . .
FOREX ATM

• Has coin dispenser

• It has BNA (Bunch Note Acceptor)

• Accepts cash (Foreign like the US dollar, pound and euro)

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 ATM . .
Functions Of ATM

Financial services
• Cash withdrawal
• Cash deposit
• Fund transfer/Account to account transfer
• Currency exchange (if the ATM is Forex)
• Future ATM services
• Non-Financial services
• Pin change
• Balance inquiry
• Mini statement
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 ATM . .
Cash Recycler ATM(ATM)
• Cash recycling enables an ATM to accept, validate,
sort and store bank notes quickly and reliably.

• These bank notes can then be made available to

customers who wish to take out cash, reducing cash
replenishment costs for the financial institution and
improving service availability for its customers.

• Increase the number of products CBE branches sell

while lowering operating expenses.

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 ATM . .
Cash Recycler ATM(ATM)
• Replenish ATM less frequently, keeping cash and employees more
secure.

• Less frequent replenishment means up to 50% lower cash in

transit (CIT) costs.

• Automatically identifying counterfeit, suspect and unfit notes.

• Transform business customer experience at branch with 24/7

ATM deposit availability.

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 ATM . .
Interactive Teller Machine (ITM)
• ITM is an electronic device to provide a highly personalized
& interactive branch banking service by using a remote
teller.

• Virtual banking is one way of providing banking services

to customers without actually going to the bank branch in
person.

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 ATM . .
Interactive …

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 ATM . .
Interactive …
Major products and services given by CBE ITM Center
 Cash Deposit to Local Currency Account
 Foreign Currency Cash Deposit to Foreign Currency Account
 Foreign Currency notes exchange
 Collection of Cheque and CPO
 Cash Payment from Saving Account
 Account opening

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 ATM . .

Interactive …
Major Products and Services Given by CBE ITM Center
 Cheque encashment from Local currency or foreign currency
 Current Accounts and CPO payment
 Payment for Local Money Transfer
 Fund Transfer within CBE or any other bank
 Request Digital products

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 APTRA VISION

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 ATM . .
What is Aptra Vision?
• Aptra Vision is a real-time monitoring software for self
service ATM terminals.
• Developed by NCR Corporation.
• For monitoring the status of individual ATMs, tracking
transaction volumes, and identifying any potential issues or
anomalies that may arise.
• Combining operational and business data analysis.
Focuses on the following:
 State health of terminals(ATMs)
 Business intelligence
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 ATM . .
Elements of Vison system
Main elements of vision are:

• Terminals (ATMs):
• Unified Agent Web Service(UAWS):
 Configuration file protocol (TCP).
 Empowers vision to generate incidents, report inventory, cash
information etc.
 File contain sever IP, Ports ,communication mode, interval values for
sending tickets, Terminal Id etc…

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 ATM . .
Elements of Vision System
• Vision server (DB and App server):
Includes the following interfaces:
• Incident management module
• Software distribution
• Business intelligence
• Inventory search
• Admin module

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 ATM . .
Vision Access and How to Monitor ATMs
• Vision is a Web based application
• APTRA Vision system administrator can define access to specific
functions based on your user account
• Features available when you log into APTRA Vision are based on
your user account
• Recommended browser clients:
• Google chrome
• Firefox
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 ATM . .
Vision Access …
• User Authentication:
• AV user uses outlook email address and password for
authentication.
• User authentication is done by LDAP active director.
• LDAP stand for Light weight directory protocol .
• Every outlook user do not have AV access by default .
• To access AV the user must be add to AV group.
• Only access level permission is done on AV. server
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 ATM . .
Steps
1. to View
Open Browser and writeand Monitor
the URL: Terminals
https://visionprod01/cxpcorewebapp/login?message=LogoutSuccess
 Enter outlook username and password on the interfaces

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 ATM . .
Steps to View and Monitor Terminals
2. After Login the first Menu you will see below form.

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 ATM . .
Fault Categories
 Lost communication
 Hardware faults
 In replenishment/supervisory
 Cash out
 Switch/ host lost
 Needs Attention
 Cash out needs attention
 In service
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 ATM . .
Lost Communication Reason?
• Network problem (From IT side)
• Tele case
• Router case (VPN)
• Network cable unplugged/damaged
• Power off from EELPA
• Power cable damaged/unplugged
• Software case
• UAWS not configured
• Wrong IP on Vision
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 ATM . .
Hardware Faults Reason?
• Card reader problem
• Dispenser problem
• Card capture over fill
• When ATM application failed
• Note jam on the dispenser belts

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 ATM . .
In Replenishment/Supervisory

• During maintenance from Vendors (MOTI or CBM)

• During replenishment
• Forgot ATM puts back in-service mode After inserting
before inserting cassettes back

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 ATM . .
Cash out reason?
• Cassette cash out
• When All Cassettes are empty or low(each cassette
having <= 100 notes)
• Cassette fault
• Too many pick failure because of the number of notes or
the way notes are inserted in the cassette
• Jam inside the cassette because of note quality or notes
overload above the normal cassette capacity is
considered as cash out/fault
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 ATM . .
Cash Out Reasons
• Some cassette cash out and some fault
• Multi cassette fault/out
• Reject bin case
• Removed
• Over fill
• Cassette removed
• when all cassettes removed for replenishment
• cassette not inserted properly and not tested after
replenishment
• cassette not closed properly which doesn’t let the cassette to
be inserted properly

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 ATM . .
High percentage of cash out is registered during replenish
time why?
Cash out is registered when all cassettes are removed and ATM puts
back in-service mode before inserting cassettes back
Proper replenishment process:
1. Ready cash to be replenish
2. Open the upper part of the ATM(Put the ATM on supervisor mode)
3. Open the lower part of the ATM(vault)
4. Remove cassettes and purge bin
5. Replenish cash and clear purge bin
6. Close the lower part of the ATM (vault)
7. Test cash and make sure all cassettes are not faulty
8. Close the upper part of the ATM(Put the ATM to in-service mode)
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 POINT OF SALE
(POS)

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 POS
What is Point Of Sale (POS)
• Point of sale (POS) as an electronic payment channel

• It is predominantly facilitates the purchase of goods and services

using a payment card.
• It is a non cash alternative that allows customers to purchase goods
and services through instant transfers of funds from their accounts to
merchants.

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POS . .
Types Of POS Machines

Based On Communication Type

• GPRS POS – SIM based (most of CBE POS machines are

GPRS)

• Dial up POS- telecom line based (currently out of service)

• Ethernet POS- ADSL (Asymmetric Digital Subscriber

Line ) or network cable based

• Wi-Fi POS- to be launched soon

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 POS…
POS is an electronic device used for authorizing and processing Bank
card transactions
Based on purpose, we Categorize POS as

• Merchant POS: which is found at a merchant site and used to

purchase goods and services
For example; supermarket, restaurant, hospital etc
• Cash Advance POS: is a POS placed at a bank branch office and
has a feature that allows cardholders to withdraw cash over- the-
counter at bank branches
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Card and Cash Advance POS Management
• Card PIN delivery and PIN change request can be handled
on Branch cash advance POS

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 CBE MOBILE BANKING

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72
 Mobile Banking
Mobile Banking
• Mobile banking is a service provided by a bank that allows its
customers to conduct financial transactions remotely using a
mobile device.

• Which perform online banking tasks at everywhere, any time,

such as monitoring account balances and transferring funds
between accounts.

• Unlike the other electronic payment channels, Mobile banking

does not pose place and time limitation on customer

• The pace of mobile phone usage has an explosive growth.

Currently there are more than 45.5 million mobile subscribers.

• Any customer can request mobile banking service at any of CBE

73
branches
03/19/2024
Mobile Banking
Mobile Banking Service Selling

• Explains feature and benefits

• Makes the customer to fill and sign on forms
• Identifies and verifies the signature on the application form
• Registers or amend the customer record
• Scans the signed application form, attach on EDRMS system
• Checks and Authorizes the customer information
• Subscribes mobile channels on the system
• Produces/view activation code from the system and delivers
• Assists the customer on how to operate
Mobile Banking
The CBE provides mobile banking services through
• The CBE provides mobile banking services through

• USSD (Unstructured Supplementary Service Data)

• XHTML (Extensible Hyper Text Mark-up Language)

• Smart Applications (downloadable channels)

Android Applications;

iPhone (IOS Application); and

Windows Mobile 7 & 8

Mobile Banking
Eligibility Criteria for Mobile Banking

• CBE account holder;

• Customer with power of attorney entitlements

• Customer with impaired/no vision if and only if the

customer agreed to sign the undertaking letter/form in
the presence of witnesses.
Profile Change for MB
• Phone number change
• Apparatus change
• Change /Add Mobile Banking Channels Request
• Associate accounts
• Blocking of MB service
• Re-subscription of MB
• Application and Activation Process
• Pin Resetting Request for Mobile Banking at Branch
• The above activities are made with the verification of all KYC
documents and by the presence of the customer physically

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77
 Mobile Banking Service Termination
• A customer can unsubscribe mobile banking services by
himself

• In case of lost/stolen mobile apparatus, formatted phones,

damaged apparatus etc., call to the customer contact
center/approach nearby branch to get blocked the services;

• Unsubscribe mobile banking service if and when the customer

is gotten involved in malpractice and illegal activities.

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78
 MB SERVICES RE-SUBSCRIPTION
• The system automatically blocks the user if Four
consecutive PIN trial attempts fail

• But the customer can apply to any CBE branch to re-

subscribe the service

• The MB Service shall be renewed every three years

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79
 Ceiling for MB Transaction

300,000 Per
Transaction
600,000 Per Day
• To own CBE Birr Wallet
• 30,000 Per Day
• To other CBE Birr Wallet
• 500 Per Transaction/Day

• To Tele Birr Wallet

30,000/Day

• To other Bank
25,000/Transaction
100,000/Day
03/19/2024
 Mobile Banking
1. Mobile Banking
1.1 Maintenance Fee Birr 5 per month
1.2 LMTS Commission 1.25/mille
From Birr 1 - Birr 50,000.00 Free

From Birr 50,001 - Birr 100,000.00

Birr 5
Fund Transfer to
1.3 From Birr 100,001 - Birr 200,000.00
another CBE account Birr 10

From Birr 200,001 - Birr 300,000.00

Birr 15
Above Birr 300,001.00 Birr 20
1.4 Fund Transfer to Own account Free
1.5 Fund Transfer to other bank accounts(RTGS) Birr 50
1.6 Transfer to Own wallet account Free

Minimum Birr 10(but for

1.7 Transfer toTelebirr wallet and other wallets additional charge by negotiation
with the respective partners)
 CBE INTERNET BANKING

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82
INTERNET BANKING
 Internet Banking Service
I) For Personal IB Users
 Maximum daily Payment /Fund Transfer for
o Beneficiary
o Any CBE account holder or is Birr 500,000
o LMTS
II. For Corporate IB Users
oAs per the limit set by the organization on the application
letter
Corporate IB Subscribers Roles
1. Inputter's

• Have a mandate to initiate transactions

2. Authorizers (Signatories)

• Have a mandate to authorize or cancel the initiated

transactions
3. Account Viewers

• Responsible to oversea the overall account movement

How to Activate and Use the Service?
Have the following information
• User ID
• Memorable word
• Token (Soft /Hard)
• PC/Smart phone with an internet connection
Note:-Two option to activate the service using SSP
1. At branch
2. At any where
 CBE Security Features
CBE uses lots of security measures to make sure that IB is the
most safe
 Secure web address (https://www.cbeib.com.et)
 Dynamic one time password (Token)
 Static Password (in mind)
 Fixed timed log-out/session timeout
 Transaction signing (Using OTP for payment & beneficiary
creation)
 Internet Banking
Personal Internet Banking
 supports the following functions to the customer
• Account balances
• Account transaction details
• Create/View and Cancel
Standing orders
• Create/ view/delete
beneficiary (for payments)
• Local Money Transfers
• Messages sent to/ from the
bank
• Payment
• Setting
• Utility payment
• Cheque book request
• Cheque book status
• Loans
• Term Deposit
• Pay Your Flight
• Transfer to other bank
Internet Banking
Corporate Internet Banking
• Accounts • Standing orders
• Asset and liability • Transfer between own a/c
• Bulk payments via file • Cheque book request
upload • Cheque book status
• International Payment • Cheque book detail
• Letter of Credit • Loans
• Local Money Transfer • Term Deposit
• Manage user • Pay Your Flight
• Messages sent to/ from • ERCA Tax Payment
bank • ERCA Tax NBE Status
• Setup /reverse Sweep a/c
Internet Banking
Eligibility for CBE Internet Banking
• All CBE account holders are eligible to subscribe CBE
internet banking

• Personal Internet banking is provided to individual

customers; and

• Corporate Internet banking is provided for corporate

customers/customers who have more than one
signatories
Internet Banking
Required documents for Internet Banking

• Renewed Identification Cards or Passports

• Letter from corporate customer’s for internet banking service

request through their mandated body /officials stating
corporate user right as Administrator, inputter and
Authorizers with respect to their authorizing transaction limit.
AGENCY BANKING
Agency Banking OVERVIEW
What Does Mobile Money Mean ?

• The term Mobile money describes the services that allow mobile
phone is used to access financial services. (GSMA , Mobile
Money, July 2010 ).
• Mobile Money is a Fast, Simple, Convenient, Secure & Affordable
way of transferring money, making payments and doing
other transactions.
• It is a new mode of payment instead of using traditional methods

like Cash, Cheque, Or Debit/Credit Cards.

AGENCY BANKING OVERVIEW
Significance Of CBE Birr Services
• Increase Financial Service Accessibility With Low Cost
• Ability to offer Services in Areas that are not Economically
Viable
• Increased Customer Base, Mobilize Resources and
Market Share
• Decongesting Branches
• Contribute to the financial inclusion & Digital payment
strategy of the country
AGENCY BANKING OVERVIEW
Features and Functionalities of CBE Birr

P2P B2P G2P

P2B B2B G2B
P2G B2G G2G
AGENCY BANKING OVERVIEW
Parties Involved In CBE Birr Services

• NBE (Regulator)
• CBE (Service provider)
• Mobile Network Operator (ethio telecom)
• Organization (Agent and merchants)

• Customer
AGENCY BANKING OVERVIEW
Service Delivery And Notification Channels

• Delivery Channel

• USSD (Unstructured Supplementary Service Data)

• Web (only for agents)

• CBE Birr Application

• Notification Channels

• Email (only for Agents/WEB user Organization )

• SMS
CBE Birr Customer
Management
CBE BIRR – Customer Management
CBE Birr Customer Account

• The account shall be opened in the name of individuals

• Customers can open more than one account as long as they

have different cell phone numbers; and
CBE BIRR – Customer Management
Eligible Criteria

• All Ethio-telecom SIM subscribers;

• All individual whose age is greater than or equal to

18-year-old; and

• An individual whose age is greater than or equal to

14 are eligible for level one CBE Birr service with the
required.
CBE BIRR – Customer Management
Required Document for Identification
• Keble ID cards;
• Farmer’s associations‘ ID cards;
• Employment and pension ID cards;
• School, College and University ID cards;
• Driver‘s/operator‘s licenses;
• Tax identification ID card;
• Passports or Ethiopian community ID;
• Work or residence permits; and
• Foreign-nationals-of-Ethiopian-origin ID card together
with a valid passport
CBE BIRR – Customer Management
Customer Level (Classification)
CBE Classifies CBE Birr Customers based on the level of KYC
information found in the CBE Birr System and trust level.
• Level Three Customer

• Level Two Customer

• Level One Customer

CBE Birr – Customer Management
Customer Level (Classification)

Level Three Customer

Customers who have saving or current account

• Can get Customer level three services of CBE-Birr.

• The KYC information maintained in the core Banking/T24 system

using their Customer ID can serve for identification
• The Customer is not required to present an ID card or Photo.
 CBE BIRR – Customer Management
Customer Level (Classification)
Level Two Customer
Customers’ who don’t have Saving or current account
shall fulfill the following KYC information:
‒Full Name; - Mother’s Name;
‒Date of Birth; - Residential&/Business address;
‒Telephone number; - A Photo of the user; and

‒ID of the user and all shall be captured in the system.

 CBE BIRR – Customer Management
Customer Level (Classification)
Level One Customer (Self-Registered)
• It is a self-registered user who use a CBE Birr services with limited
transaction limit.

• The CBE-Birr system shall register users as level one Customer with
partial KYC information
Mobile Money
Customer process Transaction Limit
Mobile Money
Customer process
Transaction Limit…
Mobile Money
Customer process
Tariff
CBE Birr
Agent Management
CBE Birr Agent Management
Agent Banking Trade Name and Branding

• The bank shall:

 Name the trade name of Agent banking Business as CBE-birr

 Name Agents as CBE-birr Agents

 Prepare a unique logo for CBE-birr

 Use “ባሉበት ሁሉ አለ” as the motto of CBE-birr;

 Brand the Agents’ premises using CBE-birr signage as

mandatory and Stickers, Painting and banners as optional
CBE Birr - Agent Management
Agent Network Management Models

• The bank shall use the one of or the mix of the following
Agent Network Management Models.

• Super-Agent Model
• Direct-Agent Model
CBE Birr - Agent Management
Agent Classification
• The Agent are classified in four categories upon
opening of an Agent account based on service
delivering to Customer and the number of Agent’s
premises.
Super-Agent
Top Agent
Direct Agent
Sub Agent
CBE Birr - Agent Management
Agent Classification
Super-Agent
Super-Agent is an Agent classified as a level one
organization which;
Runs business at more than one outlet or Branch;
Handles any Agent Network Management services;
Is recruited through an Open Bid process;
Recruits and on-board potential Sub Agent as per banks
criteria
Able to maintain a minimum initial float balance Birr
300,000.00
 CBE Birr - Agent Management
Agent Classification ..
Top Agent
• Top Agent is an Agent classified as a level one
organization which;
Runs business in more than one outlet or Branch
Handles any Agent Network Management services;
Is recruited by Agency Banking Unit /CBE Branches;
and
Able to maintain a minimum initial float balance Birr
10,000 per outlets
CBE Birr - Agent Management
Agent Classification ..
Direct Agent
• Direct Agent is an Agent classified as a level two
organization which;
 Runs business in one outlet or Branch;
 Handles any CBE Birr transaction services;
 Is recruited, on-boarded and managed by CBE Branches;
 Uses its best endeavors to register new Customers for the CBE
Birr Services;
 The maximum number of Agent operator/Till should be three (3)
 Able to maintain a minimum initial float balance Birr 10,000.00.
 CBE Birr - Agent Management
Agent Classification ..
Sub Agent
It is an organization classified as a level 3 organization which
Runs business in one outlet or Branch;
Handles any CBE Birr transaction services;
Is recruited and on-boarded by super-Agent
Is Managed by Super-Agent/CBE Branch
Uses its best endeavors to register new Customers for the CBE
Birr Services;
The maximum number of Agent operator/Till should be three (3)
Able to maintain a minimum initial float balance Birr 10,000.00
 CBE Birr - Agent Management
CBE Birr SERVICES at CBE Branches
CBE Branches shall perform the following Agent Banking service:

E-Money Creation/Deposit Business deposit

E-Money Withdrawal Business withdrawal

Creation of Agents Business transfer

Cash deposit
Creation of Merchants
Cash withdrawal
Creation of Customer
Salary payment;
Open Customer E-Money a/c
Sell airtime
Pay bill CBE-Birr Management
CBE Birr - Agent Management
CBE Birr SERVICES at Super-Agent
Super Agents shall perform the following Agency Banking
services
• E-Money Deposit
• E-Money Withdrawal
• Business deposit
• Business withdrawal
• Business transfer
• Float management for Sub Agents
• CBE-Birr user management for Sub Agents
• Creation of Sub-Agents
• Provide Technical supports for Sub Agents
CBE Birr - Agent Management
CBE Birr SERVICES at Top Agent

Top Agents shall perform the following Agency

Banking services
• E-Money Deposit;
• E-Money Withdrawal;
• Business deposit;
• Business withdrawal;
• Business transfer;
• Float management for own Agents;
• CBE-Birr user management for own Agents; and
• Provide Technical support for own Agents.
 CBE Birr - Agent Management
CBE Birr SERVICES at Direct Agent
Direct Agent with one outlet or Branch is allowed to do the following activities.

• E-Money Deposit • Open Customer E-Money account

• E-Money Withdrawal • Cash withdrawal for registered/
Unregistered Customer
• Business deposit
• Perform Customer awareness
• Business withdrawal
• Over the counter transaction
• Business transfer
• Generate and issuance of electronic mini
• Cash deposit bank statement
• Salary payment • Resetting/unlock Customers PIN
• Pay bill • Any other activity permitted by NBE and
• Sell airtime the Bank
 CBE Birr - Agent Management
CBE Birr SERVICES at Sub-Agent
• E-Money Deposit • Cash withdrawal for registered/
• E-Money Withdrawal Unregistered Customer

• Business deposit • Perform Customer awareness

• Over the counter transaction
• Business withdrawal
• Open Customer e-money account
• Business transfer
• Generate and issuance of electronic
• Cash deposit
mini bank statement
• Pay bill • Resetting/unlock Customers PIN
• Sell airtime • Any other activity permitted by NBE

• Salary payment
 CBE Birr - Agent Management
Eligible Entities to be an Agent
• At least one year business experience;

• Have permanent business address, physical infrastructure and human

resources;

• Free of any illegal activities and able to provide police clearance certificate;

• Deposit minimum required float balance; and

• Fulfill other detail requirements to be set in the RFP document (only for
super-Agent).
CBE Birr - Agent Management
Required Documents

I. Sole proprietorship
• Copy of renewed trade license

• Copy of tax identification number (TIN)

• Recent Pass port size photo of the Agent

• A valid and renewed ID card of the person authorized to

operate the account.
CBE Birr - Agent Management
Required Documents..
ii. Partnership, financial institutions (Microfinance, Insurance),
Share Company etc..
• Copy of renewed trade license;
• Copy of tax identification number (TIN);
• Memorandum & Articles of Association;
• Resolution of the Board of Directors to open an account and
identification of those who have authority to operate the
account, if applicable; and
• Valid ID cards or passports of the signatories of the account
shall be presented. For foreigners; however, work permit or
residence permit shall be presented.
CBE Birr - Agent Management
Required Documents..
iii. Foreign Nationals But Ethiopian Origin In addition to the above required
document a forging business entity but Ethiopian origin require the
following documents for Agency Banking services.
• Yellow card;

• Free from mal operation and delinquent list;

• Registration certificate or investment certificate; and

• If the company has a parent company, power of attorney from the

parent company shall be presented.
 CBE Birr - Agent Management
Unacceptable Entity for Agent
• A foreign person or entity whose business origin is located outside the
Ethiopian boundary;

• Religious entity; and

• None profit making organs such as non-Government organizations whose

applicable law prohibits from engaging in profit making business shall not
be an Agent of CBE Birr.
 CBE Birr - Agent Management
Authorized and Prohibited activities by Agents

• The Bank shall ensure that Agents are providing better

customer service and handle customers in fair and professional
manner;

• The Bank shall classify Agents based on their trust level and
provide different level of permission regarding the Agent
Banking Service;
 CBE Birr - Agent Management
Authorized activities by Agents..
The Bank shall generally permit the following Banking Services for
Agents:
• Opening of electronic money account or customer registration;
• Cash in and cash out services up to 30,000 birr per transaction;
• Cash disbursement of loan and repayment of loans in cash;
• Bill collection;
• Over the counter transactions;
• Customer PIN reset and unlocking;
• Balance enquiries; and
• Generation and issuance of customer account statement.
CBE Birr - Agent Management
Prohibited activities by Agents..
• The Bank shall generally prohibit the following activities for Agents:
• Ask any charge from customers in addition to charges fixed by the
bank;
• Ask any personal information like account details and PIN number of
the customer, excluding KYC information;
• Undertaking a foreign exchange transaction; and

• Undertake Agent Banking Service out of the allowed premises by the

Bank.
 CBE Birr - Agent Management
Prohibited Service by an CBE Birr Agent
• Undertake Agency business services beyond its designated
geographical location
• Undertake transactions in the absence of system or network
connectivity
• Deny issuance of receipt or advice to user
• Undertake transaction when issuance of receipt or advice is not
possible
• Charge or collect any fees from users directly
CBE Birr - Agent Management
Prohibited Service by an CBE Birr Agent..
• Undertake cheque deposit and encashment of cheque
• Transaction in foreign currency
• Impose separate terms and condition apart from those
provided by the Bank
• Perform against or beyond the Agency contract
• Shall not ask any personal information including account
details and PIN number of Customers
• Undertake other activities that are prohibited by NBE
Thank you!