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Operator-bank relationships Neil Davidson, Manager, MMU February 2010, Mobile World Congress, Barcelona
Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
Banks and operators bring complementary assets and capabilities to the table
Key takeaways from our research
Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities

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Operator-bank partnerships for mobile money

  • 1. Operator-bank relationships Neil Davidson, Manager, MMU February 2010, Mobile World Congress, Barcelona
  • 2. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
  • 3. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
  • 4. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
  • 5. Banks and operators bring complementary assets and capabilities to the table
  • 6. Key takeaways from our research
  • 7. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities

Hinweis der Redaktion

  1. Note that this value chain can be owned/coordinated by either the bank or a operator or a third party
  2. Example: what if your bank partner has 11,000 rural branches?Example: many many examples of this in the world... Makes it harder for the CB and the bank to manage risksNo exampleEasypaisavsSafaricom