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* Пользователь может пользоваться всеми вышеописанными услугами на регулярной основе (в течение рабочих часов) без необходимости посещать банковские офисы
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Examples of branchless banking technologies are the [[Internet]], [[Automated teller machine|automated teller machines (ATMs)]], [[POS terminal|POS devices]], [[EFTPOS|EFTPOS devices]] and [[mobile phone]]s. Each of these technologies serve to deliver a set of banking services and are part of distribution channels that may be used either separately or in conjunction to form the overall distribution channel strategy.
For example, [http://www.co-opbank.co.ke/ Co-operative Bank of Kenya] uses the Internet, ATMs, POS devices, EFTPOS devices, and mobile phones as technologies to deliver its banking services through a combination of distribution channels including stationary bank branches, mobile bank branches, ATMs, bank agents, [[Online banking]], and [[mobile banking]]. All of these are distribution channels, yet only the last four are branchless distribution channels and form part of Equity Banks’s branchless banking strategy (Equity Bank refers to its branchless banking channels as ''alternate delivery channels''<ref name="equity_bank">Mwangi, J. (2007, September 19). ''Equity Bank: Alternate Delivery Channels'' [Presentation]. Retrieved February 4, 2009, from http://siteresources.worldbank.org/FSLP/Resources/Equity-NextGenerationConference.ppt</ref>).
[[first direct]] in the [[United Kingdom]] are an early pioneer of this class of service. Launched by the then-[[Midland Bank]] (now part of [[HSBC]]) in 1989, first direct’s accounts are operated solely via the Internet, post, or (principally) telephone, and they do not themselves operate any retail branches (although HSBC branches can be used to make deposits) while at the same time offering a full range of banking services. [[Smile (bank)|Smile]] are a similar venture, again operating solely via the Internet and telephone.
Branchless banking technologies and distribution channels should be distinguished from each other as the two may overlap, which can be confusing: ATMs and mobile phones can be technologies and distribution channels, while POS and EFTPOS devices are only technologies but not distribution channels—rather, the latter two technologies are placed at points of sale through other distribution channels such as agents, which are usually retail outlets that allow their customers to pay for purchases by using their [[Debit card|debit]] or [[Credit card|credit]] cards. For an overview of distribution channels and technologies used in branchless banking and how they differ, see Porteous (2008, p. 4)<ref name="porteous">Porteous, D. (2008, October). Mobile money: the world and PNG [Presentation]. Retrieved January 24, 2009, from http://www.inapng.com/pdf_files/Mobile_money_PNG_oct_08_20.pdf</ref>.
A recent example would be the partnership model by [http://www.telenor.com.pk Telenor Pakistan] (the second largest cellular provider in Pakistan) and [http://www.tameerbank.com Tameer MicroFinance Bank] (a Branchless Banking license holder from the State Bank of Pakistan). These two organizations came together with Telenor serving as an agent to Tameer and providing 2,500 of its 175,000 retail shops across the country as sub-agents for Branchless Banking services. The brand was named '[http://www.easypaisa.com.pk easypaisa]' and launched in Oct 2009. In a year from launch, easypaisa has more than 11,000 shops all over Pakistan and has moved over PKR 11 billion (USD 120 million) through 6 million transactions.
== См. также ==-->
== Примечания ==
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[[Категория:Банковское дело]]
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