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Suggestion for Rural Computer
and M-Commerce
By: Naineet C. Patel
Ranjeet Kumar Vimal
Gautam Garde
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CyberBooth Basic Idea :
selling information as a commodity
Provide low cost computer to shopkeepers
feasible internet connection
access to govt. services, market services, etc
proper training with the help of govt or NGO's
Similar to a Phone Booth
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How its different CyberCafe Doesn't need to have the customer directly
interact with computer Just need of one computer
Kiosk
Access to internet so large spectrum of servicesand information
Later more service can be added like printing,scanning, webcam, etc
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Pros & Cons Pros Customer doesn't need to be literate or familiar
with computer Since shopkeeper will gain money for service so
will themselves help in creating awarness
Can be easily setup
Cons Security issue
Privacy issue
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Our ideas on Services Basic information like market prices of commodity,forum access etc can be provided
Weekly Chat sessions with experts can be providedfor eg veterinarian, Agriculture Expert, etc
e-Post
Banking services
Mobile Recharge
Railway Booking etc
Note: for customers who don't have online banking
account, the shopkeeper can use his/her accountand directly take cash for the customer.
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Strengths Can create jobs in rural areas Useful to people who use internet once in a while,
cant afford to have a computer or monthly internetservice.
Since customers just need to interact withshopkeeper he will feel more confident and and lessalienated
Experts help will be easily available and readily
available Helps to save & create money eg no need to travel
far away to know market prices, recharge,booking,etc
Slowly and steadily can creates awarness of IT inrural public
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MM--CommerceCommerce
Case study (work done inCase study (work done in
Philippines)Philippines)
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Features of mFeatures of m--CommerceCommerce Provision for cash deposits and withdrawals.Provision for cash deposits and withdrawals.
Ability for third parties to make deposits into aAbility for third parties to make deposits into auser account.user account.
Ability to make retail purchase.Ability to make retail purchase.
OverOver--thethe--air prepaid topair prepaid top--ups using the cashups using the cashalready in the account.already in the account.
The ability to transfer cash between usersThe ability to transfer cash between usersaccount.account.
Provision for bill payments.Provision for bill payments.
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Issues includedIssues included
Who would be the parties involved.Who would be the parties involved. What responsibilities would each partyWhat responsibilities would each party
undertake.undertake.
What services are to be offered.What services are to be offered.
Is a debit card appropriate.Is a debit card appropriate. What charges will apply.What charges will apply.
Estimating the likely transaction volumes.Estimating the likely transaction volumes.
Deciding on the system vendors.Deciding on the system vendors. Identifying management and operational skillIdentifying management and operational skillsets required.sets required.
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Back office support services.Back office support services.
Effective customer care service availableEffective customer care service available
Preparing a realistic business case and projectPreparing a realistic business case and projectplan.plan.
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Opportunities and ChallengesOpportunities and Challenges
Customer perspectiveCustomer perspective
Institutional perspectiveInstitutional perspective
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Customer PerspectiveCustomer Perspective
Features:Features:
Needs meet by mNeeds meet by m--Commerce solutionsCommerce solutions
Accessibility:Accessibility:
Distribution of transaction pointsDistribution of transaction points
Affordability:Affordability:
Transaction costs need to be lowTransaction costs need to be low
Ease of use:Ease of use:
Easy to use, fast & user friendlyEasy to use, fast & user friendly
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Institutional Perspective:Institutional Perspective:
Fees and Charges:Fees and Charges: Need for an appropriate revenue strategyNeed for an appropriate revenue strategy
Efficiency Gains:Efficiency Gains:
CanCan thethe institutioninstitution substantiallysubstantially increaseincreasebusinessbusiness transactionstransactions atat lowerlower cost?cost?
Controlling Development Costs:Controlling Development Costs:
Need to ensure positive returns on investmentNeed to ensure positive returns on investment
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Institutional Perspective:Institutional Perspective:
Partnerships & Distribution Network:Partnerships & Distribution Network:
Multiple business partnerships are essentialMultiple business partnerships are essential
Need a wide enough network focused onNeed a wide enough network focused onaccessibility and ease of useaccessibility and ease of use
Multiple Business Cases:Multiple Business Cases: Each partner must benefit through reducedEach partner must benefit through reduced
costs,costs,
increased efficiency, or direct incomeincreased efficiency, or direct income
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Agencies participatedAgencies participated
GG--cash from Globecash from Globe
Smart MoneySmart Money
We will discuss about GWe will discuss about G--cashcash
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Rural Banks in the PhilippinesRural Banks in the Philippines
PhilippinePhilippine ruralrural bankingbanking networknetwork coveragecoverage::760760 ruralrural banksbanks withwith overover 22,,000000 branchesbranches
US$2 billion in assetsUS$2 billion in assets
Over 5 million deposit accountsOver 5 million deposit accounts
Over 1 million borrowersOver 1 million borrowers
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Globe TelecomGlobe Telecom
One of the leading mobile phone operators inOne of the leading mobile phone operators inthe Philippinesthe Philippines
Over 13.5 million subscribersOver 13.5 million subscribers
Over US$1B annual revenueOver US$1B annual revenue
CellCell phonephone industryindustry processesprocesses approxapprox.. 200200millionmillion messagesmessages perper dayday inin thethe PhilippinesPhilippines
AllianceAlliance partnerspartners includeinclude 77 mobilemobile operatorsoperators ininAsiaAsia withwith closeclose toto 7070 millionmillion subscriberssubscribers
AllianceAlliance partnershippartnership involvesinvolves sharingsharing of oftechnology,technology, innovation,innovation, andand best best practicespractices
includingincluding marketingmarketing programsprograms..
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What is GWhat is G--CASH?CASH?
oCash-less and card-less micro payment over a mobile phone.
oThe countrys first and only mobile wallet service
Purchase goods and servicesMicro-finance applications
Tax and bill payments
Send and receive money person to person orP2P
Domestic and international remittances
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Subscriber RegistrationSubscriber Registration
Subscriber
REG 1234 /Aurora Reyes/Juan/ DelaCruz/ 5 SantolSt.,Project 4, QC/
024261001
Thank you JuanDela Cruz for
registering to G-Cash on08/12/04 at 10:30a.m. You maynow use G-Cash.For more info,reply to this msgwith INFO. Ref
Send SMS: REG M-PIN/Mothers MaidenName/FirstName/LastName/Addres
Confirms receipt of SMS withwelcome text and correspondingtrace number
2882 SMSfacility
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Recipient receives SMSadvisory of G-CashtransferOutlets service unit
receives SMSacknowledgment withconfirmation number
Merchant:a)Verifies identityof customerb)Processestransaction Collects payment
a)Sends G-Cashfrom outletsservice unit torecipients mobileno. via P2P
Customer showsvalid Text-a-
Payment ID andgives cash-inamount and
service fee
Customergoes to Outlet
to exchangecash for GCash
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P2P TransferP2P Transfer
Enter amount and PIN.Send to 2882+10 digitmobile no. of recipientFee: only P1.00/send
Both the sender and recipient receive aSMS advisory with corresponding tracenumber
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Issues To Be Considered InIssues To Be Considered In
Establishing an mEstablishing an m--CommerceCommerce
Issues for a Network Operator.Issues for a Network Operator.
Banking Issues.Banking Issues.
Market Issues.Market Issues. Competition Issues.Competition Issues.
Regulatory and Security IssuesRegulatory and Security Issues
Competency.Competency. Transaction Management Issues.Transaction Management Issues.
Company InfrastructureCompany Infrastructure
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Issues for network operator:Issues for network operator:
Which model to adoptWhich model to adopt
Access ModelAccess Model
Hybrid ModelHybrid Model
Access ModelAccess Model
Search for banking partnerSearch for banking partner
HybridHybrid How far should model be developedHow far should model be developed
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Banking issues:Banking issues:
How to use expanded marketHow to use expanded market
Help in reducing fraud,money launderingHelp in reducing fraud,money laundering
provide solutions for banking regulationsprovide solutions for banking regulations
Market IssuesMarket Issues
attracting customersattracting customersminimum p2p airtime credit allowed was 4 centsminimum p2p airtime credit allowed was 4 cents
minimum prepaid topminimum prepaid top--up was 47 centsup was 47 cents
support for sachet purchasingsupport for sachet purchasing
Competition IssuesCompetition Issues
Regulatory and security IssuesRegulatory and security Issues
Liquidity,security,fraud detectionLiquidity,security,fraud detection
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TRANSACTION MANAGEMENT ISSUES:TRANSACTION MANAGEMENT ISSUES:
large no of low value transactionlarge no of low value transaction
increase in no of sms handled by existingincrease in no of sms handled by existingnetworksnetworks
third party transactionsthird party transactions
need to develop new transaction engineneed to develop new transaction engine Robust company structureRobust company structure
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ConclusionAim of this presentetion was to identify key aspects
of currently availble m-Commerce systems. for devloping economies m-Commerce is benifitial in-
perticular for
Capturing unofficial cash float in the community
eliminating need for people to carry cash insignificant amount
reducing the exposure to robbery
enabling the advancement of micro-loans to thecommnity
facilitating loan repayments
unabling payments of utility bills
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By industrial perspective
Banks
increase in customer reach increased cash float available to the bank
Networks increase in text messaging revenues
greater appeal to the market
Retailers added business opportunities
competitive advantage
micro-finance institutions ability to advance funds to remote areas
regular convenient repayments from users
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m-commerce was successful in Philippines
Conditions of rural areas of Philippines and
that India are quit same .There is majorsection people who use mobile but have togo 20-30 km to deposit/withdraw moneyin/from back .m-commerce can beexperimented in India if some networkoperator comes forward to help
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Thanks