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Diconsa - Coggle Diagram

- - - - Percentage of people who want to use one stop shop as Diconsa
  - - - Does their store have extra space for additional financial services
        
        Money storage
        
        Securities
        
        People with basic financial skills
        
        training capabilities
    - - Financial
        
        Money to spend on budget
      - Organizational
        
        Plan to reorganize the operations
      - Risks
        
        How they control risks
        
        Money risk
        
        operations risk
        
        People risk
  - - - time
      - effort
      - expense
      - broader benefits?
        
        better security for their money
    - - gov benefits
        
        ex lower compliance cost
      - DICONSA
        
        better financial managemnt?
        
        more biz to Diconsa?
      - statebank
        
        reduce pressure
        
        increase efficiency
    - - Does the Diconsa have the ability to deal with financial payments and products
      - Does statebank have the ability to support Diconsa
      - risk of fraud or theft due to less centralized of benefit payments
- - - - collect cash from state banks
        
        far
        
        take lots of time & efforts to collect
        
        meet crime along the way
        
        journey cost
        
        50 on transportation and food to collect money
        
        to Diconsa
        
        cost reduced 30%
        
        =50*0.7=35
  - - - 22k stores
      - provide essentials to rural population
        
        food
        
        clotes
        
        other essentials
      - supplied by
        
        central & region warehouses
        
        thousands of delivery trucks
    - - 100 million
        
        20% population in rural
        
        50% receive state benefits
      - families by region
        
        4 members
- - - - Pilot in more receptive regions and then expanding stage by stage
      - Create training workshop/ introductions about basic product and take step by step approach to the products
      - use community representatives to advertise/ train/ sharing the user habits
      - train to the employees of the Diconsa to advertise to clients
      - attach banking products with essential products as bundle package
      - offer promotion
    - - increase security at Diconsa store
      - impose daily transaction
      - use high security technology
- - - - design basic financial services
        
        serve inhabitats of remote communities in Mexico
- - - - supplement state bank
    - - start
        
        dispensing government benefit payments
      - Progressively
        
        bill payment
        
        insurance
        
        credit
        
        other financial products
        
        savings account
- - - - Families received benefits
        
        5*0.5 = 2.5 mio families
      - Cost spend per month
        
        50*2.5mio = 125 mio
        
        Cost spend per year
        
        125*12= 1.5 bio pes
        
        save 30%
        
        cost spend per year saved
        
        1.5* 0.3 = 450 mio
- - - - Partcicular region B
    - - security
      - trust
      - cost effectiveness
    - - higher level of crime and corruption
        
        feel less secured when receive or can keep when receive