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MOBILE FINANCIAL SERVICES
GERMÁN MARTÍNEZSOLUTION SALES
ANDICOM 2009CARTAGENA COLOMBIA
Speed and ease of access
Cost per transaction
Branch Office
POS
ATMs
IVRs
Internet
MobileFinancial Services
US$ 1,19
US$ 0,40
US$ 0,62
US$ 0,28
US$ 0,10 US$ 0,08
MOBILE BANKING - CONFIDENTIAL
Banking Channels Trend
MOBILE BANKING - CONFIDENTIAL
Internet Penetration
MOBILE BANKING - CONFIDENTIAL
Mobile Telephony Penetration
Mobile Financial Services Use cases
Mobile Wallet
Un-banked people can access to financial services
NFC payment
Mobile moneytransferTransfer money to a person abroad
Air time transfer
Top upTransfer air time
mPaymentPeer to peer
mBankingCheck balanceManage cardsPay billsTransfer money from accounts to accounts
Transfer money to somebody in the same country
Pay a merchant with an NFC phone
Authentication
Authenticate securely to a web site (wPKI, mOTP) mPayment
Peer to merchant
Pay merchant
Mobile Financial Services
Implementation schemes: SMS
User Operator
System Security Friendly Transaction cost Service AvailabilitySMS Low Low Moderate High
Implementation schemes: WAP and JME
User Operator Internet
System Security Friendly Transaction Cost Service AvailabilityHTML/WAP Moderately High Moderately High Low ModerateJAVA / JME Moderately High High Low Moderately Low
Implementation schemes: USSD
User Operator
System Security Friendly Transaction Cost Service AvailabilityUSSD Moderate Moderate Moderate Moderate
Implementation schemes: IVR
Operator Voice Channel User
System Security Friendly Transaction Cost Service AvailabilityIVR Moderate Low High High
Implementation schemes: SIM BROWSING
System Security Friendly Transaction Cost Service AvailabilitySMS/S@T High High Low High
User Operator BANCO
Friendly, Easy, Security
Data Bus
Address Bus
microVss
ResetVcc
I/O
Clock
Processor
EEPROM ROM(OS) RAM Crypto
Any Mobile Phone
Un mundo de servicios
financieros al alcance de
todos!
mBanking Mobile Wallet
Mobile moneytransfer Air time transfer
mPaymentPeer to peer
mPaymentPeer to merchant
Confidentiality
Non repudiation
Integrity
Access Control
Authentication
Algorítmo de Seguridad3 DES
End 2 End Security
Security
Mobile Financial Services
Merchant
Mobile POS
Customers POS
12:17aVENTA
ANULACION
CIERRE
Your Wallet Your Phone CelYour Electronic Wallet
14
Mobile WALLET
ICCID
Mobile Application
Chip + Antenna(Integrates at the same Mobile device)
Shared servicesTo reload PayPass thru your banking account
NFC + Contactless Payment
Evolution Services
Mobile Banking implementations in LATAM
BANCA MOVIL - CONFIDENCIAL
Prospects
In Production
Deployment Ongoing
Mobile Banking && PaymentColombian case study
Luis Alberto Leguizamon
Mobile Banking ColombiaAs a result of the Banks’ need to reach more users every day and taking into account the growth of the Mobile Telephony whose technology is available 24 hours a day, 7 days a week; the Mobile Banking Concept was born in Colombia.Therefore, it was established a strategy to design a solution which may offer among other benefits:
MOBILE BANKING - CONFIDENTIAL
USER FRIENDLY
Dinamic STK menues ALWAYS
No short codes
No keywords needed
No strings of data
Explicit transactional flow
Dynamic session (The user always knows next step)
No user trainings needed
Mobile Banking ColombiaAs a result of the Banks’ need to reach more users every day and taking into account the growth of the Mobile Telephony whose technology is available 24 hours a day, 7 days a week; the Mobile Banking Concept was born in Colombia. Therefore, it was established a strategy to design a solution which may offer among other benefits:
MOBILE BANKING - CONFIDENTIAL
MASS
MAS Market coverage
DSTK applet (SIM CARD)
SMS Channel usage
Device independant
Commercial Launch
Commercial Launch
Commercial Launch
Commercial Launch
Commercial Launch
Transactions in September 1.010.315
Total Transactions: 17.180.358
Total 371.148 Users
Registered Customers (Accumulated)
Total 2.200.600
Prepaid Reload
STATISTICS
• + 370K users registered
• + 4,2 millions of Balance Inquiry (+45% total transactions)
• + 1 million of prepaid reloads (+15% total transactions)
• + 73K found transfers
• + 50K Services payment (launched on Oct/2008)
• + 2,3 millions attempt of registry process (+20% total transactions)
• + 22K new users per month
• + 37 millions of Cellular phones ready to be used
• Today, more than 1 millions transactions per months
+ 11.5M TRANSACTIONS DURING LAST YEAR
THANKS!
german.martinez@gemalto.comLALeguizamon@redebanmulticolor.com.co
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