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The most comprehensive analysis of banking distribution in KSA part 1

Dec 16, 2018
4 min

The most comprehensive analysis of banking distribution in KSA part 1

Building an efficient distribution strategy for a bank in KSA is challenging The kingdom of Saudi Arabia stretches along 2.2 km² where a population of 33MM lives and growing at 2% each year. Any bank would like to build a distribution strategy that provides a maximum coverage of its targeted customers at a minimal cost, which in the case of a bank operating in KSA is quite challenging given that the average density of the population is less than 15 individuals per square kilo

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What are the main benefits that clients should expect from professional management consulting assist

Dec 12, 2018
4 min

What are the main benefits that clients should expect from professional management consulting assist

In previous articles we have discussed that management consulting can create a lot of jobs, generate hard-currency revenues, and increase economic growth and knowledge transfer. In another article we discussed the observed barriers that prevent business owners or decision-makers from calling upon consulting firms and how they may be based on erroneous assumptions. Management consultants provide very high value-added services, because they require a set of complex skills and k

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Main barriers preventing the engagement of management consultants

Dec 4, 2018
4 min

Main barriers preventing the engagement of management consultants

In our previous article we discussed the multiple benefits delivered by a strong management consulting industry for the Egyptian economy: highly qualified job creation revenues in hard currency by exporting services to neighboring countries increased economic growth cross-border knowledge transfer opportunities for expatriated Egyptians As proof of such benefits, several initiatives are offered by the Egyptian government and international donors to provide a greater access to

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Egypt needs strong management consulting services

Nov 26, 2018
5 min

Egypt needs strong management consulting services

Management consulting background goes back to the nineteenth century An extract from this article was published in Al-Ahram online, and the arguments therein were mentioned by Consultancy Middle East. When Arthur Dehon Little created the first consulting firm (Arthur D. Little) in 1886, he didn’t anticipate the huge positive impact that this new profession would have on the global economy. His main concern was to assist his clients by providing tailor-made solutions to solve

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How to develop Digital payments? or maybe how to reduce the use of Cash?

Apr 2, 2018
10 min

How to develop Digital payments? or maybe how to reduce the use of Cash?

One of the most striking differences between banking in Europe and in Egypt is cash management. Withdrawals and deposits of cash are the dominant operations in the Egyptian banking branches. It is frequent to meet customers with big bags of money in or out of banking branches. In Europe, anti-money laundering laws and electronic payments popularity made large cash operations extremely rare. The diffusion of online banking tools and features made banking branches empty except

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Growth versus profitability, what's best?

Feb 11, 2018
8 min

Growth versus profitability, what's best?

I remember few years ago, I was arguing with a friend about Amazon’s strategy and whether it was wise to invest all its available cash flow to increase its market share. The main disagreement was about when is the right time for Jeff Bezos to cash the fruits of his success. For me, Bezos had already more money than he could ever spend, so why not pursue his strategy to make history. Last year, he passed ahead of Bill Gates as the richest man on earth and as it may seem as a c

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What are the distribution strategies applied by banks in Egypt? You may be surprised…

Dec 14, 2017
4 min

What are the distribution strategies applied by banks in Egypt? You may be surprised…

Most commercial banks in Egypt have ongoing projects to open new banking branches. Beyond just opening new branches, banks apply specific strategies for their distribution. Each bank follows the most efficient distribution strategy to reach its target customers. So, variances in the distribution strategy means targeting different customers’ segments. A big part of the global strategy of any bank can therefore be identified by analyzing its distribution strategy. Following our

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By expanding distribution, banks will grasp the potential of one of the 10 fastest-growing markets

Nov 28, 2017
7 min

By expanding distribution, banks will grasp the potential of one of the 10 fastest-growing markets

Egypt offers an enormous potential for banking services favored by 1) a large adult population reaching 60 Mn people, with less than 20% declare having a bank account, 2) encouraging GDP growth predictions of 5% for 2018 by the World Bank and 3) a set of deep ongoing reforms orchestrated by the Central Bank of Egypt. These are the main reasons for Egypt being one the fastest growing markets for banking services. According to the World Bank, only 14.6% of Adult Egyptians decla

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When will Banks start learning from Telcos?

Nov 12, 2017
5 min

When will Banks start learning from Telcos?

On Thursday November 2nd Orange launched Orange bank, its own 100% mobile full-fledged bank. France was their pioneer market, but does Orange target Egypt for rolling out its banking services? Of course, Egypt is one of the main development markets for Orange. At the end of 2016, Orange reported 33,87M users in Egypt. In addition, the group already offers digital financial services in Egypt via its mobile wallet “Orange Money”, acquiring 34M customers in Africa and Middle Eas

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