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...

Full description

Bibliographic Details
Main Author: World Bank
Format: Other Public Sector Study
Language:English
en_US
Published: Washington, DC 2013
Subjects:
MFI
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