Mobile Commerce

Views:
 
     
 

Presentation Description

How mobile commerce is impacting life – by comviva

Comments

Presentation Transcript

Slide 1: 

Name – Milind Pathak Title – Vice President Date - January 22, 2010 Mobile Commerce - Impacting Life

Index : 

Index

Industry and Market : 

Industry and Market

Mobile Commerce (Mobile Financial Services ) – Our Definition : 

Mobile Commerce (Mobile Financial Services ) – Our Definition

The Virtuous Circle : 

The Virtuous Circle Mobile services and mobile finance is a key to economic growth Mobile communications drives economic growth Access to financial services boosts economic wellbeing

Global mobile financial services revenue forecast : 

Global mobile financial services revenue forecast Source: Global VAS Revenues Forecast_Informa The global mobile commerce market is in the upswing with services like International funds transfer to grow at a CAGR of 215% in the period 2008-2013.

Global mobile financial services user forecast : 

Source: Global VAS Revenues Forecast_Informa As can be inferred from the revenue and user projections, mobile commerce is still at its nascent stage. Though the adoption is slow, experts all over the world believe that mobile commerce is emerging fast and some believe that it will reach a critical mass in the next couple of years. The constant introduction of new services take mobile commerce to the next level and add fuel to the network effect of consumers and merchants coming together via a wide range of wireless devices to conduct "real world" transactions. Global mobile financial services user forecast

Comviva View on m-Commerce : 

Comviva View on m-Commerce

Mobile Financial Services Ecosystem is complex… : 

Mobile Financial Services Ecosystem is complex… The ecosystem builds on the traditional payment infrastructure with an expanded value chain incorporating the following players:

Mobile Commerce: Anatomy : 

Mobile Commerce: Anatomy Mobile Commerce can be broadly divided into three categories

Slide 11: 

Mobile Banking Mobile Stored Wallet (Mobile Money) Mobile Payments Product Mix Market Segments / Needs and Product Mix

Service Delivery for mCommerce : 

Service Delivery for mCommerce

Services offered by a mobile commerce solution : 

Services offered by a mobile commerce solution Potential Services

Thought leadership : 

Thought leadership

mCommerce Solution by Comviva … : 

mCommerce Solution by Comviva …

… mobiquity™ installed base : 

mobiquity™ mMoney application implemented across 15 FT properties in West Africa using USSD as the bearer Also Includes complete bill payment module of mobiquity™ … mobiquity™ installed base Client Implementation Scope mobiquity™ mobile banking application launched under the Barclays brand name of “Hello Money” in India Implementation of same product on across 11 Barclays properties in emerging market including Africa & Middle East using USSD as the bearer mobiquity™ mMoney application to provide the stored wallet capability along with the bill payment module for Grameen phone customers in Bangladesh Service is supported by both Grameen subscriber along with the non – subscriber mobiquity™ mMoney application with enhanced capability to issue & manages the ATM cards along with a financial switch. First phase launched in Cambodia along with the four other APAC countries in roadmap using USSD & Java client over GPRS as bearer channels mobiquity™ platform for providing stored wallet & banking services for Viettel mobile customers in Vietnam Using multiple bearers - SMS & Java client over GPRS Hosted mobiquity™ platform interfacing with Arab Financial Services (AFS) card management system Providing services to the customers of 60 banks across UAE & Bahrain for credit card based transactions over SMS mobiquity™ mMoney application to be implemented in Maroc Telecom in Morocco Using USSD &IVR as the bearer channel for functional features mobiquity™ payments server to provide credit & debit card based transactions in India Using USSD, J2ME & Web as the bearer channels

Slide 17: 

Comviva’s mobiquity™ platform Mbanking: Balance enquiry, statements, …. Mmoney: Cash Deposit and Disbursal P2P Payments: (e.g. users pay one another using their mobile phones) B2P Payments (e.g. include salary payment for both banked and un-banked workers, grants, etc) Mpayments: Supports a range of payment transactions including P2B Payment of sales or service: Utility bill payments Prepaid Airtime Post Paid Bill Payment Virtual Comviva Comviva

www.comviva.com : 

www.comviva.com Thank You

Additional Slides : 

Additional Slides

Slide 20: 

Banking the Unbanked Large population of financially hungry users 75% - 80% households have no access to bank accounts Fraction of households with an account in a financial institution Source World Bank

The Unbanked : 

The Unbanked Significant segment of the unbanked belong to the base of pyramid segment Direct correlation between income and banking access *Source: World Bank

Slide 22: 

Potential Impact of Mobiles 4 billion mobile users & growing 1.6 billion bank accounts 6.5 billion world population Exponential growth in mobile telephony services penetration Emerging markets (characterized by poor banking infrastructure) contributing over 50% of new subscriber adds Mobile offers the potential to accelerate delivery of formal financial services to the BOP segment at a lower cost than traditional banking and payment methods Source CGAP

… mobiquity™ installed base : 

mobiquity™ mMoney application implemented across 15 FT properties in West Africa using USSD as the bearer Also Includes complete bill payment module of mobiquity™ … mobiquity™ installed base Client Implementation Scope mobiquity™ mobile banking application launched under the Barclays brand name of “Hello Money” in India Implementation of same product on across 11 Barclays properties in emerging market including Africa & Middle East using USSD as the bearer mobiquity™ mMoney application to provide the stored wallet capability along with the bill payment module for Grameen phone customers in Bangladesh Service is supported by both Grameen subscriber along with the non – subscriber mobiquity™ mMoney application with enhanced capability to issue & manages the ATM cards along with a financial switch. First phase launched in Cambodia along with the four other APAC countries in roadmap using USSD & Java client over GPRS as bearer channels mobiquity™ platform for providing stored wallet & banking services for Viettel mobile customers in Vietnam Using multiple bearers - SMS & Java client over GPRS Hosted mobiquity™ platform interfacing with Arab Financial Services (AFS) card management system Providing services to the customers of 60 banks across UAE & Bahrain for credit card based transactions over SMS mobiquity™ mMoney application to be implemented in Maroc Telecom in Morocco Using USSD &IVR as the bearer channel for functional features mobiquity™ payments server to provide credit & debit card based transactions in India Using USSD, J2ME & Web as the bearer channels

Slide 24: 

Comviva’s mobiquity™ platform Mbanking: Balance enquiry, statements, …. Mmoney: Cash Deposit and Disbursal P2P Payments: (e.g. users pay one another using their mobile phones) B2P Payments (e.g. include salary payment for both banked and un-banked workers, grants, etc) Mpayments: Supports a range of payment transactions including P2B Payment of sales or service: Utility bill payments Prepaid Airtime Post Paid Bill Payment Virtual Comviva Comviva