Mwendwa made a good point on the post office versus the post bank (see below). <div><br></div><div>I sent out the two links in a rush yesterday, so didn&#39;t even think that far. I&#39;ve had a quick google look at PostBank and it looks like they are using the agency banking concept themselves to widen their reach: <div>
<a href="http://www.postbank.co.ke/this.news.php?title=Agency%20Banking%20with%20Postbank">http://www.postbank.co.ke/this.news.php?title=Agency%20Banking%20with%20Postbank</a><br><br></div><div>Also, I suspect that part of the explanation might lie in what KCB and Postbank can do: As far as I can see from the Postbank website, the corporation can only accept desposits, but cannot intermediate these, i.e. cannot provide loans (I&#39;ve seen some online references that it was thinking about introducing these services, but am not sure how far that went). </div>
<div><br></div><div>KCB is a full commercial bank, so it can do both deposits and loans. I think agents can&#39;t decide on loan applications, but they can disburse loan payments, and accept repayments. </div><div><br></div>
<div>Does anyone know more? </div><div><br></div><div><br><div class="gmail_quote">On 7 July 2011 10:46, lordmwesh <span dir="ltr">&lt;<a href="mailto:lordmwesh@gmail.com">lordmwesh@gmail.com</a>&gt;</span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex;">
I thought Post(a) was the same as Post(bank) some years back.<br><br>Therefore I can deduce that Post Bank should be the first to do agency banking with Posta<br><br>Regards<br>Mwendwa<br><br><div class="gmail_quote"><div>
<div></div><div class="h5">On 6 July 2011 16:15, Andrea Bohnstedt <span dir="ltr">&lt;<a href="mailto:andrea.bohnstedt@ratio-magazine.com" target="_blank">andrea.bohnstedt@ratio-magazine.com</a>&gt;</span> wrote:<br>


</div></div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div><div></div><div class="h5">Dear all, <div><br><div>I trust that this will interest a couple of people on the list :)</div>
<div><br></div><div>KCB and Postal Corporation of Kenya sign an agency banking deal</div>


<div><a href="http://www.ratio-magazine.com/201107063966/Corporate-Press-Releases/Kenya-Press-Releases-KCB-and-Postal-Corporation-of-Kenya-Sign-Agency-Banking-Deal.html" target="_blank">http://www.ratio-magazine.com/201107063966/Corporate-Press-Releases/Kenya-Press-Releases-KCB-and-Postal-Corporation-of-Kenya-Sign-Agency-Banking-Deal.html</a></div>




<div><br></div><div>Not sure if I sent round the link for this article we recently did on agency banking? </div><div><a href="http://www.ratio-magazine.com/201106223957/Kenya/Expanding-Financial-Services-in-Kenya-Agency-Banking-versus-Mobile-Banking.html" target="_blank">http://www.ratio-magazine.com/201106223957/Kenya/Expanding-Financial-Services-in-Kenya-Agency-Banking-versus-Mobile-Banking.html</a></div>




<div><br clear="all">Have a good afternoon,</div><div>Andrea </div><div><br></div><div><br>-- <br><a href="http://ke.linkedin.com/in/andreabohnstedt" target="_blank"><span style="font-family:verdana,sans-serif">Andrea Bohnstedt</span></a><br style="font-family:verdana,sans-serif">




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