This is a Framework developed by mPay Connect which depicts the landscape of mobile money services. mPay Connect provides advisory services for clients seeking to launch mobile money services. For more information, visit our website at: www.mpayconnect.com or contact us at: info@mpayconnect.com

1. The Mobile Money Landscape
by mPay Connect, Inc.
Mobile Money
Mobile Payments Mobile Financial Mobile Value-Added
Services Services
Mobile Banking:
Other Products
Deposit Account
B2B B/G 2C C2B P2P Bill Pay Transactional Informational Credit Savings Insurance Promotions
• Replace • Salary • Retail payments at • Domestic Money • Utility bills • Bill Pay • Account Balance • Micro-finance • Micro-savings • Micro-insurance •Advertising
cash in disbursements store POS (contactless Transfer • Small businesses • Brokerage • Transaction History • Loans • Savings Acct • Insurance •Loyalty
supply chain • Expense payments) • International • People • Remote Deposit • Real-time •Couponing
Reimbursements • Mobile remote Remittances Capture Alerts •Promotions/Offers
and per diem purchases (e.g. eBay or •Shopping Assistant
• Pensions, digital goods)
benefits, and • Micropayments on © mPay Connect
conditional cash mobile network
transfers operator bill
• mPOS – mobile phone
as POS reader
©mPay Connect, Inc.
1 info@mpayconnect.com