This presentation was given to the attendees of the pre-conference workshop of the IQPC Prepaid Cards and Mobile Payments 2010 www.prepaidcardsevent.com It includes information on how to build mobile transactions and how to integrate services with existing networks and partners.

1. Boosting Global Mobile Money Transactions

2. What is Generation-M?
• Current Decade: 2010 – 2020
• Zero Demographics: Everyone
• Mobile Broadband Connectivity
• Static ICT left behind …
• Applies not only to telephony
• Information @ your fingertips
• Availability Anywhere, Anytime

3. The Economist: Did you know?
This 'Did You Know?'
video from The
Economist focuses on
the changing media
landscape, including
convergence and
technology.

4. Incentive Programs: Keep The Change
Round up all your mobile account purchases to
the nearest dollar amount, and transfer the
difference from your checking account to your
savings account.
Every cup of coffee, tank of gas and bag of
groceries you buy adds up to more savings for
you. What could be easier?

5. Freeium: The New Introductory Offer!
Freemium: Business model that
works by offering basic web services,
or a basic downloadable digital
product, for free, while charging a
premium for advanced or special
features.
The word "freemium" is created by
combining the two aspects of the
business model: "free" and
"premium". The business model has
gained popularity withWeb
2.0 companies.

6. Social: Join The Club!
• Support / Belonging
• Shared Interests / Friendship
• Fun / Learning New Skills
• Decision Making / Problem Solving
• Recognition / Leadership
• Self-Awareness (Personal Growth)
• Connection to Something Larger

7. Concierge: Additional Services
• Coordinate & facilitate bill payments
• Travel arrangements & accommodations
• Top-up mobile accounts of family &
friends worldwide
• Reminders and gift suggestions for special
occasions
• Send flowers, gift cards, candy & more
• Fiscal Education: Services reduce churn
• Provide information based on location etc

8. Social: The State Of Now!

9. Ubiquitous: Transactions – Anywhere, Anytime!
• Mobile Phone Transaction
• Internet Transaction
• Retail Transaction
On the phone, in the store
and on the street…
Completely seamless for
consumers, all payment
methodologies integrated

10. Simplicity
• Interaction must be fun &
stressless
• Must see immediate action
• Selection not configuration
• Intuitive, visible, obvious
Any issues reduces consumers
perception of service quality
Each hiccup is a strike on
consumer’s scoreboard!

11. Converged
Convergence can refer to
previously
separate technologies suc
h as voice (and telephony
features), data
(productivity applications)
and video that now share
resources and interact
with each
other, synergistically…
Creating new efficiencies.

12. Integrated
A system is an aggregation
of subsystems cooperating
so that the system is able
to deliver the over-arching
functionality.
System integration involves
integrating existing (often
disparate) subsystems. The
subsystems will have
interfaces.
Integration involves joining
the subsystems together by
“gluing” their interfaces
together.

13. Visibility & Availability
Visibility: A by-product of
persistence, precision and
repetition - Your message
needs to be heard repeatedly
to rise above the background
noise of daily business.
Availability: The degree to
which a system, subsystem, or
equipment is operable and in a
committable state at the start
of a mission. Simply put,
availability is the proportion of
time a system is in a
functioning condition.

14. Partnerships: Mashups
In Web development, a mashup is a
Web page or application that uses and
combines data, presentation or
functionality from two or more
sources to create new services.
Mashups can be considered to have an
active role in the evolution of social
software and Web 2.0.
Mashup composition tools usually do
not require programming skills, they
support visual wiring of GUI widgets,
services & components together.
Therefore, these tools contribute to a
new vision of the Web, where users
are able to contribute.

15. Provider Agnostic
WING, a subsidiary of the Australia and
New Zealand Banking Group (ANZ).
WING launched a mobile payments
business that targets unbanked customers.
WING’s USSD-based service will allow
customers to save, make purchases,
transfer money to both WING and non-
WING users, & perform a range of other
financial services – all through mobile
phones.
Since WING account numbers do not have
to be tied to a customer’s mobile phone
number, the service is also available to
people who do not own phones.

16. Flexibility
Provide a variety of flexible ways for
banks and financial service providers to
offer mobile money services.
This includes the capability to get up and
running quickly and easily with no core
integration required.
Branded iPhone, Blackberry, Android,
mobile Internet, web apps & SMS / USSD.
Integration options provide flexibility:
Stand Alone Apps, Web Services API,
Card Processor, Debit & Core Network
Integration

17. Security
GSMA is promoting the use of the mobile phone to generate and utilize digital
signatures to provide legally binding and ultimately secured transactions.
Mobile Signatures is an enabling technology that carries identity information
(qualified digital certificates) over a GSM network and provides that
information to any authorized application.

18. CRM: Embracing Customers
The new mobile technologies
are creating new types of
customers, new services, new
channels and routes to market
that require new solutions
that support new kinds of
customer relationships.
Mobile CRM can, and should,
be re-imagined from the
ground up. It should be
regarded as an umbrella
concept that covers all the
ways in which mobile
technologies can help
organizations get closer to
their customers.

19. Retail Presence
In Kenya, Safaricom had a pre-existing
relationship with some 1000 SMEs who
controlled street-level retail outlets across
the country, and of these 300 agreed to
partner with Safaricom to roll out M-Pesa.
This gave Safaricom a substantial
advantage in achieving sufficient physical
presence early on.
Having direct operator control over the
airtime reseller channel gives the
operator the ability to identify the stores
that may be the best candidates to
become cash in/out points, present the
case for the new business directly to
them, insist on consistent branding
policies, and monitor their performance
on an ongoing basis.

20. Community
Digital measurement firm comScore
released a study highlighting the rise in
social media access via mobile phones.
comScore measured changes in both
mobile browser access to social networks
& access numbers to specific social
networks.
Both Facebook and Twitter have
prospered from having strong
mobile strategies.
Twitter’s mobile strategy and
integration with SMS messages
has made it a natural mobile
player since its inception.

21. Contact
Bruce Burke bruce@ipaystation.com
Director of Business Development
iPayStation www.ipaystation.com
O: (978) 632-6798 x 157
M: (727) 612-5775
F: (978) 632-7085
B: http://ipaystation.blogspot.com
T: http://twitter.com/ipaystation
V: http://www.youtube.com/iPayStation
IM: burke.bruce@gmail.com