What is EMTS?
The
regular paper based money order service of the post office seemed a
time consuming, expensive and inefficient approach of remit money to any
part of the country. There was a demand for quick transfer of money to
locations where the beneficiary can collect and use it instantly. With
this perspective in view, Bangladesh Post launched a new money order
service named Electronic Money Transfer Service (EMTS), commonly known
as Mobile Money Order Service. This fulfilled the expectations of people
to remit the desired amount of money to their near and dear ones so as
to utilize when they need. This is mobile as well as web based
remittance service available in all important post offices of the
country. The sender can send the money within a minute and
recipient/beneficiary can collect it instantly. Both sender and
recipient get confirmation of the remittance and disbursement as soon as
it is made in their mobile phones.
Area Coverage :
This
service is available in all important post offices of the country.
Presently 2750 post offices provide the EMTS which is covering all
district, upazilla/thana and important/busy rural post office locations.
Every month hundreds of post officials are being trained and the
service is expanded to those locations.
EMTS Tools/Devices:
Bangladesh
Post maintains a server and call center to monitor and support the
service. All Electronic Money Transfer Service locations (post offices)
are equipped with computer, internet connectivity and/or mobile phones
which are used to send the issue or payment request to the server.
Procedure:
The sender goes to the post office and fills up an issue form (EMO -1)
giving required information like sender name, address, mobile phone
number, recipient's name, address mobile phone number, amount of money
to be sent etc. The post office staff sends the information to the
central server through the computer or official EMTS mobile phone. When
the request is accepted and confirmed by the server through issuing SMS
generating a 16 digit unique PIN to senders mobile phone and a separate
confirmation message is sent to issuing post office. The sender shall
inform the recipient to collect the money from his/her nearest post
office. The recipient goes to the post office and again fill up the
disburse form (EMO-2) and claim the money showing the PIN. The post
office counter operator verifies the information given by the recipient
from server with those used earlier by sender; if everything is match
the disbursement procedure is made. As soon as the disbursement is
completed the sender is again confirmed by another SMS generated by the
server.
FEATURES
1.Remittance in a minute 2.User Friendly- adoption of mobile phones & applications
3.Maximum Area coverage: Locations distributed throughout the country
(presently 2750 POs), to be expanded to all Post Office locations
4.Transaction security ensured by a 16 digit auto PIN generation mechanism
5.Independent of Mobile Operator-customer enjoying mobile operator's service can use this service.
6.EMTS devices not specific to power sources like electricity -have freedom of using any Source of Power (electricity, battery, solar charger)
7.Ensure customer satisfaction- Daylong well acquainted Help Desk Service
8.Optional Corporate Services:
a)One 2 Many transactions-Option for Salary Disbursement
b)Many 2 One Transactions- Option for collection of tution/Admission fees from students
9.Location Independent Disbursement
10.Widely used Network Partner- Banglalink Mobile Operator
11.Database Management and Security-VPN Connectivity
12.Scope to add new value added service and future expansion
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