CHANGING THE

MOBILE PAYMENT LANDSCAPE FOR RURAL

ELECTRIFICATION
Direct Customer Payment
(e-Banking user)
Money transferred to
project owner’s bank Electricity
E-Banking Platform account provided to
charge (Rp 5000?) consumer
(such as Mandiri e-cash Electronic message sent
or Telkomsel T-cash) to smart metering
server: which account Smart meter
From electricity number, how much, hardware
customer to project and which
owner electrification package

E-Banking platform can

be SMS based or smart
phone app based
Payment to Local Agent
(non e-Banking user via agent)
Client pays Agent’s e-banking account
agent (cash E-Banking Platform Project owner’s bank account
or chickens or charge (Rp 5000?)
rice or ???) Money transferred to
(such as Mandiri e- project owner’s bank Electricity
cash or Telkomsel account provided to
T-cash) consumer
Electronic message sent
Agent charges From agent to to smart metering
5% fee (?) per project owner on server: which account
Smart meter
transaction behalf of electricity number, how much,
hardware
customer and which
electrification package
Smart meter server
Using e-payment platform such as PayPal
(electricity user via agent)
Client pays Agent’s e-payment account
agent (cash E-Payment Project owner’s bank account
or chickens or Platform charge
rice or ???) Money transferred to
(Rp 5000?) project owner’s bank Electricity
(such as PayPal) account provided to
consumer
From agent to Electronic message sent
Agent charges project owner on to smart metering
5% fee (?) per behalf of server: which account Smart meter
transaction electricity number, how much, hardware
customer and which
electrification package
Smart meter server
Role of Local Agents
• Cashless community economic activity often has local entrepreneurs
• They accept items in trade for products from the cities
• Often they’re the community business people (warungs, etc)
• Sometimes they’re traveling shops (on trucks or motorcycles)
Incentive to Become Local Agents
• Already their business model to sell things at a profit
• 5% mark up on amount of electricity credit purchased
• 25 households @ Rp 100,000/month = Rp 125,000/month income
• Possibility to sell other things such as LED lights
• Possibility to provide battery charging stations or battery swaps
Electricity sale business models
Pay as You Go (Prepaid)
• Provide a fixed price per kWh of electricity
• Customer pre-pays the amount of electricity they’ll likely use
• Once purchased, not time limited (maybe 12 months expiration?)
• Higher price to the consumer
• Project owner unsure when the next sale is
Electricity sale business models
Take or Pay (Prepaid)
• Provide a daily quota of electricity (600Wh/day)
• Price depends on: daily quota amount and length of time purchased
• Daily/Weekly/Monthly
• Provide guarantee of income to project on a monthly base (if only
monthly is available)
The role of smart meters
• Allows for flexible fee collection structure
• Each household can choose a different fee structure
• Collects and sends usage data to centralized server
• Anti tamper features (short circuit, meter bypass, etc)
The reality of electricity fee collection
Household with Electronic Project
e-money or Payment owner bank
banking services Electronic payment
Electronic payment Services transfer
account
transfer Payment
confirmation
Local Agent
Smart
metering
Direct payment server
Household
without cash Electricity credit
income confirmation

Household Smart Households

without e-money meter at receive
or banking houses Electricity allowed electricity
services to flow
THANK YOU