The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services
This paper discusses the role of the postal network in expanding access to financial services in Kazakhstan. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of th...
| Main Author: | |
|---|---|
| Format: | Other Public Sector Study |
| Language: | English en_US |
| Published: |
Washington, DC
2013
|
| Subjects: | |
| Online Access: | http://documents.worldbank.org/curated/en/2004/01/16338255/kazakhstan-role-postal-networks-expanding-access-financial-services-country-case-kazakhstans-postal-finance-services http://hdl.handle.net/10986/14899 |
| id |
okr-10986-14899 |
|---|---|
| recordtype |
oai_dc |
| repository_type |
Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
| building |
World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English en_US |
| topic |
ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO INFORMATION ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS ACCOUNTS FOR INDIVIDUALS ACCOUNTS RECEIVABLE AUTOMATED TELLER MACHINES BALANCE SHEET BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK ASSETS BANK BRANCH BANK BRANCH NETWORK BANK BRANCH OFFICES BANK BRANCHES BANK LOANS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKS BOND MARKET BUSINESS ACTIVITIES BUSINESS STRATEGY CAPITAL ADEQUACY CAPITAL MARKET CAPITAL REQUIREMENTS CAPITALIZATION CASH FLOW CASH IN CIRCULATION CASH PAYMENTS CASH WITHDRAWALS COLLATERAL COLLECTION SERVICES COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS CONFIDENCE IN BANKS CONSOLIDATION CONSUMER CONFIDENCE CONSUMER CREDIT CONSUMER LENDING CORRUPTION COST-EFFICIENCY CREDIT BANK CREDIT CAPACITY CREDIT LINE CREDIT PRODUCTS CREDIT SCORING CREDIT TRANSFERS CURRENCY EXCHANGE DEBIT CARD DEFICITS DEMAND DEPOSITS DEPOSIT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSIT MOBILIZATION DEPOSITORS DEPOSITS DEVELOPMENT BANK DIRECT MARKETING DISTRIBUTION OF NEWSPAPERS DIVERSIFICATION E-BANKING E-COMMERCE E-FINANCE E-GOVERNMENT E-LEARNING ECONOMIC GROWTH ECONOMIC STABILITY ELECTRONIC PAYMENT ELECTRONIC PAYMENTS ENCASHMENT ENTREPRENEURS EXCESS DEMAND EXPENDITURE EXPENDITURES EXPRESS MAIL EXPRESS MAIL SERVICE FINANCIAL ACCOUNTING FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL LEASING FINANCIAL MARKET FINANCIAL POLICIES FINANCIAL PRODUCTS FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SYSTEM FIXED COST FOREIGN BANKS FOREIGN CURRENCY FOREIGN INVESTMENT FORMAL BANK GOVERNMENT POLICIES GROWTH OPPORTUNITY HOUSEHOLD DEPOSIT HOUSEHOLD DEPOSITS HOUSEHOLDS HOUSING HYBRID MAIL INCOME GROUPS INCOME STATEMENTS INDIVIDUAL ENTREPRENEURS INEQUALITY INFORMATION INFRASTRUCTURE INFORMATION MANAGEMENT INFORMATION SYSTEM INFORMATION SYSTEMS INFORMATION TECHNOLOGIES INFORMATION TECHNOLOGY INSTALLMENTS INSURANCE PREMIUMS INTEREST INCOME INTEREST RATES INTERNATIONAL ACCOUNTING STANDARDS INTERNATIONAL BANKING INTERNATIONAL FINANCE ISLAMIC DEVELOPMENT BANK LARGE CITIES LEGAL FRAMEWORK LENDERS LENDING POLICIES LETTER MAIL LIQUID ASSETS LOAN LOAN FUND LOAN PORTFOLIO LOAN PORTFOLIOS LOAN SIZE LOAN SIZES MAIL MARKET MAIL ORDER MAIL ORDER BUSINESS MAIL SERVICES MANAGEMENT INFORMATION SYSTEMS MANDATES MARKET DEVELOPMENT MFI MFIS MICRO CREDIT MICRO ENTERPRISE MICRO ENTERPRISES MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MICROFINANCE LOAN MONEY ORDERS MONEY TRANSFERS MORTGAGES MUTUAL FUND MUTUAL FUNDS NATIONAL BANK NET INTEREST MARGIN NET WORTH NEW BUSINESS NEW COMPANY OPEN MARKETS OUTREACH PARCEL SERVICES PARTNER BANKS PAYMENT INFRASTRUCTURE PAYMENTS COLLECTION PAYMENTS INSTRUMENTS PENSION FUNDS PENSIONS PERSONAL COMPUTER POINT OF ACCESS POINT OF SALE POOR CLIENTS POST POST OFFICE POST OFFICE NETWORK POST OFFICES POSTAL POSTAL BANKING POSTAL FINANCE POSTAL FINANCIAL SERVICES POSTAL MAIL POSTAL NETWORK POSTAL NETWORKS POSTAL POLICY POSTAL SAVINGS POSTAL SECTOR POSTAL SECTOR DEVELOPMENT POSTAL SERVICE POSTAL SERVICES PRIVATE COMMERCIAL BANKS PRIVATIZATION PROFITABILITY PUBLIC AGENCIES PUBLIC POSTAL OPERATOR RECEIPT RECESSION REGULATORY FRAMEWORK REMITTANCES REORGANIZATION REPOSSESSION RETAIL BANKING SAVINGS SAVINGS BANK SAVINGS BANKS SAVINGS PRODUCTS SAVINGS SERVICES SCHOLARSHIPS SECURITIES SMALL BUSINESS SOLVENCY STATE ENTERPRISES SUBSIDIARIES SUBSIDIARY TAX INCENTIVE TELECOMMUNICATIONS TRANSITION ECONOMIES TRANSPORT UNEMPLOYMENT UNION URBAN AREAS VOUCHERS WAGES |
| spellingShingle |
ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO INFORMATION ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS ACCOUNTS FOR INDIVIDUALS ACCOUNTS RECEIVABLE AUTOMATED TELLER MACHINES BALANCE SHEET BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK ASSETS BANK BRANCH BANK BRANCH NETWORK BANK BRANCH OFFICES BANK BRANCHES BANK LOANS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKS BOND MARKET BUSINESS ACTIVITIES BUSINESS STRATEGY CAPITAL ADEQUACY CAPITAL MARKET CAPITAL REQUIREMENTS CAPITALIZATION CASH FLOW CASH IN CIRCULATION CASH PAYMENTS CASH WITHDRAWALS COLLATERAL COLLECTION SERVICES COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS CONFIDENCE IN BANKS CONSOLIDATION CONSUMER CONFIDENCE CONSUMER CREDIT CONSUMER LENDING CORRUPTION COST-EFFICIENCY CREDIT BANK CREDIT CAPACITY CREDIT LINE CREDIT PRODUCTS CREDIT SCORING CREDIT TRANSFERS CURRENCY EXCHANGE DEBIT CARD DEFICITS DEMAND DEPOSITS DEPOSIT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSIT MOBILIZATION DEPOSITORS DEPOSITS DEVELOPMENT BANK DIRECT MARKETING DISTRIBUTION OF NEWSPAPERS DIVERSIFICATION E-BANKING E-COMMERCE E-FINANCE E-GOVERNMENT E-LEARNING ECONOMIC GROWTH ECONOMIC STABILITY ELECTRONIC PAYMENT ELECTRONIC PAYMENTS ENCASHMENT ENTREPRENEURS EXCESS DEMAND EXPENDITURE EXPENDITURES EXPRESS MAIL EXPRESS MAIL SERVICE FINANCIAL ACCOUNTING FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL LEASING FINANCIAL MARKET FINANCIAL POLICIES FINANCIAL PRODUCTS FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SYSTEM FIXED COST FOREIGN BANKS FOREIGN CURRENCY FOREIGN INVESTMENT FORMAL BANK GOVERNMENT POLICIES GROWTH OPPORTUNITY HOUSEHOLD DEPOSIT HOUSEHOLD DEPOSITS HOUSEHOLDS HOUSING HYBRID MAIL INCOME GROUPS INCOME STATEMENTS INDIVIDUAL ENTREPRENEURS INEQUALITY INFORMATION INFRASTRUCTURE INFORMATION MANAGEMENT INFORMATION SYSTEM INFORMATION SYSTEMS INFORMATION TECHNOLOGIES INFORMATION TECHNOLOGY INSTALLMENTS INSURANCE PREMIUMS INTEREST INCOME INTEREST RATES INTERNATIONAL ACCOUNTING STANDARDS INTERNATIONAL BANKING INTERNATIONAL FINANCE ISLAMIC DEVELOPMENT BANK LARGE CITIES LEGAL FRAMEWORK LENDERS LENDING POLICIES LETTER MAIL LIQUID ASSETS LOAN LOAN FUND LOAN PORTFOLIO LOAN PORTFOLIOS LOAN SIZE LOAN SIZES MAIL MARKET MAIL ORDER MAIL ORDER BUSINESS MAIL SERVICES MANAGEMENT INFORMATION SYSTEMS MANDATES MARKET DEVELOPMENT MFI MFIS MICRO CREDIT MICRO ENTERPRISE MICRO ENTERPRISES MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MICROFINANCE LOAN MONEY ORDERS MONEY TRANSFERS MORTGAGES MUTUAL FUND MUTUAL FUNDS NATIONAL BANK NET INTEREST MARGIN NET WORTH NEW BUSINESS NEW COMPANY OPEN MARKETS OUTREACH PARCEL SERVICES PARTNER BANKS PAYMENT INFRASTRUCTURE PAYMENTS COLLECTION PAYMENTS INSTRUMENTS PENSION FUNDS PENSIONS PERSONAL COMPUTER POINT OF ACCESS POINT OF SALE POOR CLIENTS POST POST OFFICE POST OFFICE NETWORK POST OFFICES POSTAL POSTAL BANKING POSTAL FINANCE POSTAL FINANCIAL SERVICES POSTAL MAIL POSTAL NETWORK POSTAL NETWORKS POSTAL POLICY POSTAL SAVINGS POSTAL SECTOR POSTAL SECTOR DEVELOPMENT POSTAL SERVICE POSTAL SERVICES PRIVATE COMMERCIAL BANKS PRIVATIZATION PROFITABILITY PUBLIC AGENCIES PUBLIC POSTAL OPERATOR RECEIPT RECESSION REGULATORY FRAMEWORK REMITTANCES REORGANIZATION REPOSSESSION RETAIL BANKING SAVINGS SAVINGS BANK SAVINGS BANKS SAVINGS PRODUCTS SAVINGS SERVICES SCHOLARSHIPS SECURITIES SMALL BUSINESS SOLVENCY STATE ENTERPRISES SUBSIDIARIES SUBSIDIARY TAX INCENTIVE TELECOMMUNICATIONS TRANSITION ECONOMIES TRANSPORT UNEMPLOYMENT UNION URBAN AREAS VOUCHERS WAGES World Bank The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services |
| description |
This paper discusses the role of the
postal network in expanding access to financial services in
Kazakhstan. It reviews the public postal operator within the
postal sector and within the broader context of the
communications sector. The roles of the postal network and
state and privately-owned banks are also reviewed from the
perspective of the financial sector development, with
particular focus on payments systems development and
microfinance. While this country case on Kazakhstan can
stand alone, it is an integral part of this large study of
the potential of postal networks to coordinate with
financial service providers in 7 countries (Egypt,
Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and
Vietnam) and 5 regions (Africa, Asia, Eastern Europe and
Central Asia, Latin America and the Caribbean, and the
Middle East and Northern Africa). Within Central Asia and
the other countries of the former Soviet Union,
Kazakhstan's postal network is widely regarded as a
leader and pioneer in postal innovation, setting an example
for other postal operators in the region. An in-depth
assessment of Kazakhstan's postal network development
options could also be a model to guide other postal networks. |
| format |
Economic & Sector Work :: Other Public Sector Study |
| author |
World Bank |
| author_facet |
World Bank |
| author_sort |
World Bank |
| title |
The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services |
| title_short |
The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services |
| title_full |
The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services |
| title_fullStr |
The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services |
| title_full_unstemmed |
The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services |
| title_sort |
role of postal networks in expanding access to financial services : kazakhstan's postal finance services |
| publisher |
Washington, DC |
| publishDate |
2013 |
| url |
http://documents.worldbank.org/curated/en/2004/01/16338255/kazakhstan-role-postal-networks-expanding-access-financial-services-country-case-kazakhstans-postal-finance-services http://hdl.handle.net/10986/14899 |
| _version_ |
1764427932639428608 |
| spelling |
okr-10986-148992021-04-23T14:03:16Z The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services World Bank ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO INFORMATION ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS ACCOUNTS FOR INDIVIDUALS ACCOUNTS RECEIVABLE AUTOMATED TELLER MACHINES BALANCE SHEET BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK ASSETS BANK BRANCH BANK BRANCH NETWORK BANK BRANCH OFFICES BANK BRANCHES BANK LOANS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKS BOND MARKET BUSINESS ACTIVITIES BUSINESS STRATEGY CAPITAL ADEQUACY CAPITAL MARKET CAPITAL REQUIREMENTS CAPITALIZATION CASH FLOW CASH IN CIRCULATION CASH PAYMENTS CASH WITHDRAWALS COLLATERAL COLLECTION SERVICES COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS CONFIDENCE IN BANKS CONSOLIDATION CONSUMER CONFIDENCE CONSUMER CREDIT CONSUMER LENDING CORRUPTION COST-EFFICIENCY CREDIT BANK CREDIT CAPACITY CREDIT LINE CREDIT PRODUCTS CREDIT SCORING CREDIT TRANSFERS CURRENCY EXCHANGE DEBIT CARD DEFICITS DEMAND DEPOSITS DEPOSIT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSIT MOBILIZATION DEPOSITORS DEPOSITS DEVELOPMENT BANK DIRECT MARKETING DISTRIBUTION OF NEWSPAPERS DIVERSIFICATION E-BANKING E-COMMERCE E-FINANCE E-GOVERNMENT E-LEARNING ECONOMIC GROWTH ECONOMIC STABILITY ELECTRONIC PAYMENT ELECTRONIC PAYMENTS ENCASHMENT ENTREPRENEURS EXCESS DEMAND EXPENDITURE EXPENDITURES EXPRESS MAIL EXPRESS MAIL SERVICE FINANCIAL ACCOUNTING FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL LEASING FINANCIAL MARKET FINANCIAL POLICIES FINANCIAL PRODUCTS FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SYSTEM FIXED COST FOREIGN BANKS FOREIGN CURRENCY FOREIGN INVESTMENT FORMAL BANK GOVERNMENT POLICIES GROWTH OPPORTUNITY HOUSEHOLD DEPOSIT HOUSEHOLD DEPOSITS HOUSEHOLDS HOUSING HYBRID MAIL INCOME GROUPS INCOME STATEMENTS INDIVIDUAL ENTREPRENEURS INEQUALITY INFORMATION INFRASTRUCTURE INFORMATION MANAGEMENT INFORMATION SYSTEM INFORMATION SYSTEMS INFORMATION TECHNOLOGIES INFORMATION TECHNOLOGY INSTALLMENTS INSURANCE PREMIUMS INTEREST INCOME INTEREST RATES INTERNATIONAL ACCOUNTING STANDARDS INTERNATIONAL BANKING INTERNATIONAL FINANCE ISLAMIC DEVELOPMENT BANK LARGE CITIES LEGAL FRAMEWORK LENDERS LENDING POLICIES LETTER MAIL LIQUID ASSETS LOAN LOAN FUND LOAN PORTFOLIO LOAN PORTFOLIOS LOAN SIZE LOAN SIZES MAIL MARKET MAIL ORDER MAIL ORDER BUSINESS MAIL SERVICES MANAGEMENT INFORMATION SYSTEMS MANDATES MARKET DEVELOPMENT MFI MFIS MICRO CREDIT MICRO ENTERPRISE MICRO ENTERPRISES MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MICROFINANCE LOAN MONEY ORDERS MONEY TRANSFERS MORTGAGES MUTUAL FUND MUTUAL FUNDS NATIONAL BANK NET INTEREST MARGIN NET WORTH NEW BUSINESS NEW COMPANY OPEN MARKETS OUTREACH PARCEL SERVICES PARTNER BANKS PAYMENT INFRASTRUCTURE PAYMENTS COLLECTION PAYMENTS INSTRUMENTS PENSION FUNDS PENSIONS PERSONAL COMPUTER POINT OF ACCESS POINT OF SALE POOR CLIENTS POST POST OFFICE POST OFFICE NETWORK POST OFFICES POSTAL POSTAL BANKING POSTAL FINANCE POSTAL FINANCIAL SERVICES POSTAL MAIL POSTAL NETWORK POSTAL NETWORKS POSTAL POLICY POSTAL SAVINGS POSTAL SECTOR POSTAL SECTOR DEVELOPMENT POSTAL SERVICE POSTAL SERVICES PRIVATE COMMERCIAL BANKS PRIVATIZATION PROFITABILITY PUBLIC AGENCIES PUBLIC POSTAL OPERATOR RECEIPT RECESSION REGULATORY FRAMEWORK REMITTANCES REORGANIZATION REPOSSESSION RETAIL BANKING SAVINGS SAVINGS BANK SAVINGS BANKS SAVINGS PRODUCTS SAVINGS SERVICES SCHOLARSHIPS SECURITIES SMALL BUSINESS SOLVENCY STATE ENTERPRISES SUBSIDIARIES SUBSIDIARY TAX INCENTIVE TELECOMMUNICATIONS TRANSITION ECONOMIES TRANSPORT UNEMPLOYMENT UNION URBAN AREAS VOUCHERS WAGES This paper discusses the role of the postal network in expanding access to financial services in Kazakhstan. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of the postal network and state and privately-owned banks are also reviewed from the perspective of the financial sector development, with particular focus on payments systems development and microfinance. While this country case on Kazakhstan can stand alone, it is an integral part of this large study of the potential of postal networks to coordinate with financial service providers in 7 countries (Egypt, Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and Vietnam) and 5 regions (Africa, Asia, Eastern Europe and Central Asia, Latin America and the Caribbean, and the Middle East and Northern Africa). Within Central Asia and the other countries of the former Soviet Union, Kazakhstan's postal network is widely regarded as a leader and pioneer in postal innovation, setting an example for other postal operators in the region. An in-depth assessment of Kazakhstan's postal network development options could also be a model to guide other postal networks. 2013-08-08T13:29:51Z 2013-08-08T13:29:51Z 2004-01-01 http://documents.worldbank.org/curated/en/2004/01/16338255/kazakhstan-role-postal-networks-expanding-access-financial-services-country-case-kazakhstans-postal-finance-services http://hdl.handle.net/10986/14899 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank Washington, DC Economic & Sector Work :: Other Public Sector Study Economic & Sector Work |