Mobile Money 2011

8/4/2019 Mobile Money 2011

1/28

obi oy 011EgZadalqj]\]f]\


2/28

Tuitis rtrs r i ts rwt, vr, busiss

trsrti, ti

j]_mdYlgjqhj]kkmj]kafaf[j]Ykaf_dq\a^[mdl

i itis. Ortrs s

rst u bus ty vu ur

iustry-bs r t rssi tir

ssur, tx, trsti visry

s. Ty w tt ty v u t

i r ur r ursti t

rtuitis, xitis ri

ritis t tuitis iustry

wrvr i t wr tyr rti.

Wt ivs us tis ursti is ur

b Tuitis Ctr. Orti

r Pris, C, sbur, Riy,

Di, Bii, S Ati, t Ctr

bris ttr is r

rss t wr, t ur its rss

t s ty trrw.

Gmj[da]flkZ]f]l^jgegmjafka_`lkgfc]q

trs ri issus. Ts y rt

t t i wtur, xt-rti

srvis, irstrutur sri, utsuri,

j]n]fm]YkkmjYf[]$gh]jYlagfYd]^[a]f[q$rutis, utur rwt rts r

rrs uisitis. W ur its

rt t trs i wy tt irvs t

fYf[aYdh]j^gjeYf[]g^l`]ajZmkaf]kk&

r r but ur rs

srvis by visiti ur wbsit:

www.y./tuitis

About Ernst & Youngs

Global Telecommunications

Center


3/28

Frwr

O t st xiti w rs rt ts str is t rwt i

bi yts. As t srt

is bi s tr t wt w

y-t-y, its surris wr si

w wys usi t st t y r

tis. Mwi, bis sttus s

r-ri irstrutur is brii

y ri rt usrs it t

fYf[aYdkqkl]e^gjl`]jkllae]&

r t rst u, ur t i t

EgZad]Egf]qG^[]klYjl]\Zq`]dhaf_

ur its rw u strtis r bi

y srvis. Tr yrs tr, ts

s r w rity. A yrs

r wri twr i tir busiss

hjglYZd]$[gehdaYfloal`j]_mdYlagfYf\

st irtty r t ustr

sur.

Tis vrviw is it t iit

s ts bi ustis sti i

rs ts, ty, rti

bi, s ty sir rtuitis i

t bi y s. It rs rt sris ubitis bi y

ru by rst us b

Tuitis Ctr.

i , w wi tiu t

t t sit issus s ty

ris, i buri bi y

s. My ts t ur

us w v wr tis

rrt.

Vincent de La BachelerieGlobal Telecommunications Leader

Vincent de La Bachelerie

b Tuitis r,

rst u

vit...brir.y.


4/28

Wit t vt bi y srvis, t tur yits is i. Mbi y rrsts rtr vit usrs s yts v wy r r trstis.

T t, bi y is s uti s systs.Tis utiiity uris its -tr tti, wis vi sbiity. At t s ti, wvu is r ri, riv by ty, us s r-xisti yts s.

vrts rutrs ust i t rritiy rwr r bi y srvis. Mu wi ivt wtr bi y is sir xtsi xistiyt iss r uiu . Prrtitruti rss-iustry itivs v irtt rt y.

Ky sss


5/28

422Mbi y t r

Cotts

123

Itruti 06

12

16

Mbi yts i us

Irvi t biy syst


6/28

1.ItrouctioAs t tcouictios sctor

turs to w rowt , obi

oy srvics r bcoi or

iortt t vr. T ccrtio

o obi rittc srvics

osi w obi yt

scrios iits t r o

oortuitis or t obi o to

j]\]f]l`]egn]e]flg^egf]qZq

owri costs, icrsi covic

ruci ru.


6


7/28


7

Ovr, bi yt srvis r xt t r US245b i vu

wrwi by 2014.2 At t s ti, bi y usrs r xt t tt

340, uivt t 5 b bi subsribrs.3 T t, y t st

sussu srvis wrwi v riit i v Asi wr bi

ttss srvis r w stbis si y trsr srvis i

ri rts su s t Piiis y.

Ortr- y trsr srvis v i trti u t trs su s

t i trti sts r t b uts bi rutry

virts. wvr, rtuitis v yt t b xit i y v

eYjc]lk$o`]j]fYf[aYdaf[dmkagfak`a_`]jYf\o`]j]l`]j]akY_j]Yl]j\an]jkalqg^

xisti yts s. I ts utris, t bi is r sy

t wit t vt tri yts, wi t isrity i

vr vs btw bi bi irstrutur i ri utris

ivs t bi r siury trsrti r.

Fiur 1: obi yt usrs by rio 00-10 orcst1

1rtr sys ubr wrwi bi yt usrs t r 108.6 ii i 2010, rtr, 21 u 2010.

2Mrt Isit: T Out Mbi Pyt, rtr, 10 My 2010.

3Ibi.

70

60

5041.8

62.8

Users(m)

(rsts)

16.8

27.1

200 2010

5.18.0

4.57.1

1. 3.5

40

30

20

10

9kaY%HY[a[ MA ti Ari Wstr ur Nrt Ari0


8/28

obi subscribrs worwi (i iios)

3.51.

Nort Aric

8.05.1

Lti Aric

7.14.5

Wstr uro

2010200


9/28

62.8

41.8

9kaYHY[a[27.1

16.8

A


10/28


10

4Survy Csur Pyt Ci, Fr Rsrv B Bst, Dbr 200 (2000+ rsts).

5T It tri Pyts i rwt, Vis, Mr 2010.

6Is Csss sity t rs? The Daily Telegraph, 11 ury 2010.

7K=H9>GJ;9K@$L`]Kaf_d]=mjg;Yk 9j]Y$LgoYj\kYegj]]^[a]fl=mjgh]Yf[Yk kg[a]lq$ European Payments Council, Newsletter, ury 2011.

8Ibi (xus surs).

xui surs, t si st s sts t ru0.500 DP i y ur utris. Ts utris

wit wr s sts s rrti DP v r

\an]jka]\j]lYadhYqe]flkqkl]ek&7 Atu t us s

s s yt is ii, it sti uts r t

rity yts vu i y rts.

Fiur 3: Cs us s roortio o tot yts i

sct uro coutris8

ovi byo cs-bs socityO t st irtt sirtis r bi

tri yts is tir r i t -tr v

wy r s-bs sity. I ur, s uts

^gj^gmj%^l`kg^lglYdhYqe]flljYfkY[lagfngdme]&`ad]

usrs riv s s r, it is tuy ubrs

yt istrut, ivvi sts i, trsrt

surity.

Rsr sws tt 1 irs i r us rts

0.03 irs i suti 0.024 irs

i DP.5 Mwi, s trstis rt sr

tt vs t i syst, urti suti. Fr

x, t Dut tr b s rrt tt t u

st s i t Ntrs sts t 300 r iy,

uy.6

>a_mj]*29\ghlagfg^egZad]fYf[aYdk]jna[]kafl`]Mfal]\Stts (00)4

Mbi bi

rsts

SMS yt

Cttss bi yt

0 5 10 15 20

70

80

60

50

40

30

20

10

ry

%totalvalueofpayments

Ntrs U Fr Fi0


11/28


12/28

2.obi ytsi ocus

Broi otu

Mbi yts rr t wi r srvis. Bsi bi bi

srvis v xist r , wi y stbis bi ritt

srvis b i s r-t-r irti trsr srvis. At t s ti,

ry bi wb Wirss Aiti Prt (WAP) itrs r bi

yt v rrss t iu yt bi iti strrts

i wts t st.

i , t bi st is s yi y r i srvis tt

bi yt wit rt ustr t ru ursi rrs

a\]fla[Ylagf$km[`Yk[mklge]jdgqYdlqhjg_jYekYf\]n]flla[c]laf_&=pYehd]kg^

ivtiv bi yt itis iu trsrtti yt srvis i

Fr, t y srvis i Sw t r iititiv ur wy

i t Ntrs. Trsrt titi r rs wr ttss yts

rrst str vu- i trs s vi.

T bi yts rt is x . SMS-bs srvis r t

bst-stbis, wi tr bi yt s, su s bi itrt

Yf\f]Yj]d\[geemfa[Ylagfk>;!$`Yn]j]da]\mhgfYkkg[aYl]\\]n]dghe]flk

i wb srvis vi biitis. T r yrs ivv i t bi

yts syst its itrti wit t i wr its r i bt

rt it--s (POS) yts sust tt t rt wi

tiu t vv riy.


12


13/28


13

SS NFC obi itrt

Pyt ty Prs-t-rsPrs-t-busissBusiss-t-rs

Prs-t-busissBusiss-t-busiss

Prs-t-rsPrs-t-busiss

Us s Dsti rittItrti rittBrss bi

Cttss yts\]fla[Ylagf%Yf\eYjc]laf_%rt srvis

I- ytsMbi wt trstis

Crtristis Pyt srvis r tub urb i vs rss-iustrybrti xtsi i ytsrvis

xs Sry yts (Rs,Aist)My trsr (M-PSA,y Oby)

Trsit yts (Mbi FiC,)

Mbi wt (Py, ,Strbus)

Pyt rvirs brs

Strt-usMbi rtrsMy trsr isst uturrs

Cr issursMbi rtrsst uturrsMrtsStrt-us

Wb srvis yrsStrt-usMbi rtrsMrts

Mbi rtr

rtiiti

i Miu w

Fiur 5: obi yt tcoois scrios11

11rst u ysis.


14/28


14

Nwcors r rivi cSrt trti i wit r tur

-r rt is rui w wv ivti i

st yts. Fr POS yts, strt-us r rivi

sutis tt byss t r sts wit buit-i NFC

biity. Fr x, US-bs DviFiity s u

iP vr tt turs NFC-b ir Sur

Diit (irSD) r wi surts Viss PyWv srvi.

Mwi, bi iti FCs ius

turs tt w usrs t sit tir rsturt bis,

tivity tt ts 1.2 bii tis yr i t US.12

Otr ivtis t t vi v iu Sur, wiws srts t r r rrs usi t

t st. T sti r rr is iv wy

r r t itrst rtis 2.75 is vi

t rs rssi t rit r. By tis, tr r

vrius sutis tt rt t us ttss stirs

sts.

L`]jgd]g^[j]\al[Yj\akkm]jkj]eYafkma\Ykl`]qdggc

t bst t rts i vi rts r

iti vu- srvis. Wi rtiiti i NFC

tris, ty r s xri w rs ivvi

irSD rs. Mwi, r wb ty yrs

r s i r rtuitis i t yt rt,

Yf\Yj]daf_hYl]flk^gjegZad]hYqe]flk&=n]fhYqe]fl

rwr rvirs r tti ivv. VriF s

u srt r rr.

Rrss tir str riis, y yrs r

sitii tsvs r si usi t bi. Ti

tir ss r t -r rvuti, wts

t b t bi: s u s i-str si is

afm]f[]\Zql`]o]ZYf\l`]j]Yj]eYfq\a^^]j]flhdYq]jk

w wt t vr tis w ty ustr xri.

12Avi r I-Prs Cs t tri, Credit Union Times, 10 ury 2011.

Iovtios i obi yt:Bi Ntio

US strt-u Bi s rt stir

tt ustrs tt t tir stsr ttss yt. T srvi

rtrs wit bs , ruiy, srs rts Bi Nti rit

r is tt s is. Bi

s rtr wit yt tri

uturr Vri, wi ti-is witsi twri itrt yt

yrs r i t bst s rwt b s srvi. T 1.5

s rs vrby wit tyi

rit r issis.


15/28


15

As iovtio icrss, so o rissAs srts bi itis sr, wii t

tis r bi yt xri, ty s rry wit

t t trt ru t itrity. I 2010, US bs

ut tir srt s tr it ws rv tt ty

str ut rs usrs sswrs t

i i txt.14

`ad]hggjdq[gf_mj]\Yhhkj]hj]k]flgf]k][mjalqakkm]$

t trt bi stwr wr is i r.

9dl`gm_`YeYjc]ldYf\k[Yh]g^n]k]hYjYl]egZad]

rti systs iit t sr wr, tr

is sti ty xity i t iustry. t sutis rri, su s rtti s r Ari, BBrry

Wiws Mbi s. wvr, bi ty

yrs s t ut t ustr, i r wt

t b ss by w s.

usrs ruir ssurs tt w srvis r usu

tt tir t is sur. Custr trsti istris

b rurs i w wys, s rt vrtisi yty

rrs, r x, but rtrs ty yrs

wi t trt ustr t wit r.

f]e]j_af_eYjc]lk$l`]jakchjgd]^gjegZad]egf]q

k]jna[]kak]pY[]jZYl]\Zql`]akkm]g^fYf[aYdaf[dmkagf&

T vibiity bi y t usrs witut buts u vrw t biity srvi rvirs

rutrs t rss sur rtti uty.

Mrvr, irs w yur ustr (C) ruirts

u it t rs t ustr

uisiti i t bi rt.Mbi-bs itis

Itrt-bs ty

Cttss/NFC ty

Surity/uttiti

Fru tti

Crit vuti/ris sssst

77

60

54

50

38

1

13b Trs i Pyt Systs, r Du, Dbr 200 (survy s 645 rrsti 4 utris).

14Bs Rus t Fix Surity Fws i Wirss As, Wall Street Journal, 5 Nvbr 2010.

Oi itis r s tyzi bi trstis.SMS-bs yts r bi us r ir-trstis

i i i: t ri st r virtu s

s tt i trsti s v b trt. At t

s ti, t is r ri bi yt

sutis r bi iti vrs.

I tis it, t ris isitriti r rtrs is

risi i wt is rti rt. Nvrtss,

i bi yrs r ri u tir s r NFC i

v rts. Or s u s t r ut

NFC-bs SIM rs t st its ur rtis by

t 2011, wi O2 U is s rri r us,

usi NFC t ust r yts but s ti-bsvrtists, s rt its rxiity rti t.

I ri rts, rtrs r rursi xisti

y trsr srvis it rs-t-busiss yts.

Fr x, i bt Mxi y, rts w

ustrs t y vi xisti bi ritt utiity.

I ts ss, t r r-ti tur SMS

Ustrutur Sutry Srvi Dt (USSD)-bs

y trsr b rurs r ustr-t-busiss

(C2B) yt.

Fiur 6: Forcst iortc o ob yt

tcoois13

Q. Wic tr yts tcoois wi xric

t rtst rowt i iortc i your coutry

gn]jl`]f]pln]q]Yjk7


16/28


16

3.Irovit obi oy

cosystT iortc o sttbci

iv t irt titis, trsti

tivtis uiu ti

issus ivv, vrt surt

wi y vit r i stbisi w

bi yt s.

T Fr Miistry Iustry wr

ui t vrius NFC rts i2010. Fr T riv ui

r its MStiu rt, wi uss

bi s s r-r tits.

T Fr ti riwy s

riv ui r its Prxiits

srvi, wi turs sitii,

NFC RFID (ri ruy

a\]fla[Ylagf!l][`fgdg_qYkhYjlg^Y

r srvis r turis, trv

isb .

I Sir, rt wit str

tr rr ivti i ts, tr s b issu t bui

tiwi NFC bi yt

tr b by trust srvi

r. Att t t tr r

itts su s t r t

st t st ur irt yt

srvi rvirs 20 ts r

u si t rt

sb virt.

Ists irt ui

bui s rtis it NFCsrvis, si y tris s r

v b . T rt is s

ur by t ubi str, s

it is i ustr bi

ttss sutis. Artiuti

k]jna[]Z]f]lklg]f\mk]jkakYdkgYf

r wr vrt surt

ribiity.

Stt bi y r i

itivizi irt rts t

nYdm][`Yaf&_mj]kk`gol`Yl

ti yt by bit r sts rtir ur tis r t w


17/28


17

ustrs us s.15 vrts

y v t rss su rt

rs trwis, t-u bi

yt u b ir i i bit

r ri ris r trst

it ri ttss yt

sutis.

Rtirs rtr itivs

surs w tys

rtti. I t US, Csurs Ui,ubisr Consumer Reports, s

t vrt t t

t ris ru. It s iit

t rt tur xisti

surs s sust tt

bi yt rvirs iv

vutry zr ibiity ssur t

surs witut s. I t

U, t vrt s b wri

wit bi rtrs r issurs

st uiis tt is t

rvt rii tivity i NFC. Ty

iu suri ttss yt

utis s r isb s

s s is rrt st r

klgd]f$hdmk]pljYd]n]dkg^n]ja[Ylagf

r trstis bv rti

ut.

I ri rts, vrss

vrt is s v r

t y, wit bt t Uit Stts

Ay r Itrti Dvt

(USAID) t U Drtt rItrti Dvt (DFID)

irty ui bi y rts

i rt yrs.

Lo-tr succssruirs rutorycrtity

My ry susss i bi y

trsr srvis v urr u t

bs ruti. Fr x,

ys M-PSA srvi ws surt

by rus ru t sttus

-bs rvii y trsr.

i rwr, ruti wi b y

iittr sussu trsiti t

w yt s, rvii rity

r srvi rvirs usrs.

wvr, r iy rs r

it by ti rutry

[gf[]jfk&>gddgoaf_l`]fYf[aYd[jakak$

rtr stbiity is irtiv r

bi rutrs, yt st-rwibi r ritts i

utris wit bi

irstrutur bris s i

trs ustr rtti

rutry vrsit. I tis it,

\]eYf\k^gj_j]Yl]jfYf[aYdklYZadalq

Yf\_j]Yl]jfYf[aYdaf[dmkagf[gmd\

wr ist tr.

T r ss t w bi

hYqe]fllggmjak`emklZ]ZYdYf[]\

ist surity r yt rvirs

usrs.

15vrt ust st bs vrri ss ustrs, Britis Rti Csrtiu, 15 u 2010.


18/28


18

Fr x, t Priis r Ivtiv Fii Iusiissu by t 20 Fii Iusi xrts ru vt

tst r r. My utris r ti

sts t irv uiis ru -y. Ci s

vi rs tt t v t -y u rt

afYlagf\m]lgl`]af[j]Yk]\n]dg[alqg^ljYfkY[lagfk&Km[`

xity s rt irs rutry vrsit: t

vrt s bu by rusti -y riztis

t b ristr. wvr, sutis t tr issus, su s

w t wit t rsiu vu -y w t

itr it tivy, ri wrs i rrss.16

Gl`]jeYjc]lkYj]Ydkgjeaf_mhl`]aj]%egf]q_ma\]daf]k&

L`]H`adahhaf]koYkgf]g^l`]jkllg\gkg$dYqaf_\gofxiu ty iits xti t stiutis

its Ati-My uri (AM) w riy i 200.

I t U, M Trsury s issu sutti ut

w it su rut -y istitutis wt v

urts su y. rts i t U r tb

r t xiit itrst i rti t try bi

rtrs it t -y rt t rt

t vt w rs s yt utst -y

srvis.17 At t tr t stru r utris

su s Sut Ari, wr -y issu is rstrit t

bs y.

O y ts r rutrs wi b t y t rii rrtiity. Tis wu tt si-uti

ruts su s it ts wu b xt r t vs

vrsit ruir bs. -y wi uy t s

btw xti t u rutry bur

bs.

I tis it, rutry issus r iy t b x.

Fr x, ts rutrs usuy t tt

rtrs sur ti twrs r itrt,

but tis is t t s r yt systs rutrs.

Virtu urry rrsts uiu its

w. As virtu urry issurs w usrs t r it

wit tir-rty vrs r u s rti isrt, bi t rxy r r-wr y s

t rutry bur b xt t ris. Fr x,

t i riis virtu urry u s s r

sistit us ss u ttry bi ws.

Fiur : Rutory issus i obi oy srvics

T ro o strs i iovtio

iv tt sbiity is rui t suss i bi yts,

iustry-wi strs v y r t y. Pr-xisti

strs i t yts wr b rurs r

bi y MV-it stirs r bi s,

r x. I tr rs, su s bi ttss

yts, strs su s t Si Wir Prt (SWP)

rt ti rts by t bi iustry.

16Ctr Bs Ouy Wii ss t it tri y, Ci ur Itrti Busiss S, Stbr 200.

17tri My Dirtiv sutti, M Trsury, 21 Otbr 2010.

obi oy

rutory

issus

Sttus -y

-bs

Csurrtti

surity

Aiti ris-bs

rrtiity

Pyttr

itrrbiity

Rutryurisitis i

bi, yt ts


19/28


1

Mbi yt ss r tyiy ti i r,but tr ris r t rit w yt

sutis t ri v. Fr x, t Assiti

ur Pyz Mbi (APM) ws st u i 2008 t

\]n]dgh=mjgh]%oa\]kh][a[Ylagfk^gj[gflY[ld]kkegZad]

yt. I Dbr 2010, Mstrr APM ubis

afl]jgh]jYZd]kh][a[Ylagfk^gjegZad]hYqe]fl$l`Yl[Yf

wr wit Mstrr PyPss ttss tris.

T SM Assiti s s y irtt r

i rivi w strs: it r ubis wit

l`]=mjgh]YfHYqe]flk;gmf[ad=H;! Yk`]dh]\\]f]

t rvisi i y t bs bi

ttss yt itis it sts.

Cross-borr courus

Crss-brr yts bi i-rt yts i

trs sts, vi surity. T U bivs t

st si us rss brrs rrsts 2-3 DP

tt tis b ut by bttr ruti. T Pyt

Srvis Dirtiv (PSD) s b stbis t rvi

si rwr r yt strs bitis,

rsuti i t Si ur Pyts Ar (SPA). As

rt tis, bi s r SPA-bs rit trsrs

r bi ssss, wi wu rtrs t sr

t ri ritt rt.

wvr, rrss s t b iss, wit utris

isuti t rutry ruirts t b is

gffgf%ZYfck$Yf\eYfqeakkaf_l`]jkl\]Y\daf]^gj

aehd]e]flYlagf&Km[`\akY_j]]e]flkk`gol`]\a^[mdla]k

i trsti ti yts rs it wrb

ri iy. At t s ti, sur rus r

r tt w U yt rus u ut usrs t

rtr ris ru.

Fiur 8: Pyt Srvics Dirctiv tii18

Fr bi rtrs, ustis ri but tir

hjgkh][lan]klYlmkmf\]jl`]HK


20/28


20

Icrs cobortio witi btw sctors

Atu busiss s r yt srvis ri

ma\$l`]gn]jYddd]n]dg^[ggh]jYlagfZ]lo]]fl`]ZYfcaf_

tuitis strs is irsi. I Ci,

i s b stru btw 18 Cis bs, r

ssiti Ci UiPy, Ci T, Ci Ui

vi vrs, wit viw t rti si,

tr r bi yts. I t Ntrs, t t

tr rti bs v r it vtur y wit

t utrys tr bi twr wrs. Su i vs

rtiiti trst it wir vr bt bisubsribrs b ustrs, bsti t rssb

rt r bi yt.

v s, y rtrsis ri siv i tur, s

bs, rtrs r issurs ursu r sutis

us ss. t i rts wr bi y sutis

v s ri t-u, rtrs v y it

r rtrsi systs v rv rbust. I

, yrs r irt strs rt it vtur

t v bi yt srvis, wit NTT DCM

ivsti 73 t subsiiz t urs ttss

r rrs by rtr rtirs. I y, t us t

twrs y ivt r.

Mrt itivizti wi b y br r bittss yts. At rst, ss t 12 US

rts v POS rrs tt t ttss

yts, r x.1 i , t rti

r ur irstrutur ru ut ti

w rvu strs su b rtiut by yrs

ivv i t syst. Tis is rtiury tru r

issurs, w r trii bi yt sutis v

-sti rtisis wit rts.

Fr bi ttss sutis, surt r vi

uturrs is vit. I 2010, NFC-b sts

ut r y 60,000 sts wrwi ut

vr bii sits.20 Nvrtss, bu stsits r rit r 2011 wrs s y

srt uturrs strt surti t str.

1Mbi Pyts: t btt r t bi wt, Crit Suiss, 1 Nvbr 2010.

20Nr-Fi Cuitis: Pyi t, ABI Rsr vi Tt T, 7 Stbr 2010.


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21


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22

4.obi oy t ro

Mbi y wi riv t trsrti t

yts s, uti r rwi sr

-s yts i yrs t . T r bi

irstrutur u wit t srts wi

sur tt bi t r ustr s,

s ivti ts uti rts.

Ty ys r srti s yt sutis tt

ljYfk[]f\KEKYhh]Yjgh]jYlgjk`Yn]lg\]f]l`]Yj]Yk

wr ty vu, wtr irty t t usr r

s itriry swr i t vu i.

Fr bi yts t riz tir tti, iy-

rs v t t r sts. Fiitti srvi

itti itrrbiity s t b riz s

irt yt systs tiu t xist. Tis is

rtiury vit bus bis u sttus s bt

st- try yt .


23/28


24/28


25/28


25

POS

Pit s rrs t t it t wi s srvisr riv i x r yt. T tr is s us

lg\]k[jaZ]kqkl]ekYf\]mahe]fll`Ylj][gj\fYf[aYd

trstis.

Remittance

Ritt i t brst ss rrs t yts

t rt riit. Ot ty rr t yts

btw utris, su s irt wrr si y

t rtivs i tr utry.

RFID

JY\ag^j]m]f[qa\]fla[Ylagfj]^]jklgYl][`fgdg_ql`Yl

uss tri ts vis wirss rrs s

trtiv t br i.

RF-SIM

Ri ruy-subsribr itity u is rritry

Cis wirss ty tt rvis srt-r

tivity wi b us s trtiv t

NFC. wvr, it rts t ruy wi s it

itib wit rti ttss yts systs.

SWP

Kaf_d]aj]Hjglg[gdj]^]jklgYkh][a[Ylagf^gjYkaf_d]%oaj]

ti btw t SIM r NFC i bi

. It ws iitiy rv s str i Otbr

2007.USSD

Ustrutur Sutry Srvi Dt rrs t

ty rt buit it t SM bi str tt

ws irti t b trsitt vi t twr

wi b us r vrity itis, iui

bi yt.

WAP

aj]d]kk9hhda[YlagfHjglg[gdakYfgh]fkh][a[Ylagf

tib wit st bi twr strs tt ws

siy rtt wb tt t b isy bi

st srs.


26/28

rst usbi y ttsGob Tcouictios Ctr

Jonathan Dharmapalan

b Duty Tuitis r

+1 415 84 8787

t.ry.

Tim Wulgaert

Mbi My Dirtr, Brusss

+32 2 774 6256

ti.wurtb.y.

Gob Avisory Srvics

Pieter Verhees

b Tuitis Avisry Srvis

+31 88 40 78847

itr.vrs.y.

Gob Bi & Cit rts

Pierre Pilorge

b Avisry Srvis

+33 1 463 57

irr.irr.y.

Gob cooic Avisory

Mark Gregory

b Tuitis i Avisry r

+44 (0) 20 751 580

rryu.y.

Gob Rvu Assurc

Olivier Lemaire

b Tuitis Rvu Assur r

+352 42 124 8356ivir.iru.y.

Gob Tcouictios Rutory

Matt Corkery

b Tuitis Rutry r

+44 (0) 20 751 6121

rryu.y.

Abutrst us

EgZad]Egf]qG^[]

Mbi y ris t

egklka_fa[Yfllj]f\k^gjl`]

tuitis str t i

yrs. It is w ivri y w

Z]f]lk^gjmk]jkYjgmf\l`]ogjd\$Yf\

is si u t tuitis,

l][`fgdg_qYf\fYf[aYdk]jna[]k

iustris. A tis is st t tiu.

=jfklQgmf_kEgZad]Egf]qG^[]\jYok

lg_]l`]jgmjjek]ph]ja]f[]afl`ak

]d\&gjcaf_oal`[da]flk$gmjogjd\oa\]

t rssis is rvii vi

surt strty i,

rtis rr, ruti,

i ru, IT ris

eYfY_]e]fl$lYpYf\gl`]jfYf[aYd

ssur.

www.y./tuitis


27/28

Vincent de La Bachelerie

b Tuitis r

vit...brir.y.

Jonathan Dharmapalan

b Duty Tuitis r

t.ry.

Marc Chaya

b Tuitis Mrts r

r.yr.y.

Adrian Baschnonga

b Tuitis Sir Ayst

bsu.y.

Steve Lo

b Tuitis Ctr Bii

stv..y.

Holger Forst

b Tuitis Ctr C

r.rst.y.

Prashant Singhal

b Tuitis Ctr Di

rst.sii.y.

Serge Thiemele

b Tuitis Ctr sbur

sr.tii.y.

Wasim Khan

b Tuitis Ctr Riy

wsi.s.y.

Mike Stoltzb Tuitis Ctr S Ati

i.sttzy.

b TuitisCtr tts


28/28

rst u

Assur | Tx | Trstis | Avisry

About rst & ou

rst u is b r i ssur, tx,

trsti visry srvis. Wrwi,

ur 141,000 r uit by ur sr

vus uwvri itt t uity.

W ir by i ur , ur

its ur wir uitis iv tir

tti.

rst u rrs t t b rizti

br irs rst u b iit,

wi is srt tity.

rst u b iit, U y

iit by urt, s t rvi srvis

t its. Fr r irti but ur

rizti, s visit www.y..

2011 M iit.

A Rits Rsrv.

. F0088

Tis ubiti tis irti i sury r is

trr it r r ui y. It is t it t

b substitut r ti rsr r t xris rssi

ut. Nitr M iit r y tr br t

b rst u rizti t y rssibiity r

ss si t y rs ti r rrii r ti s

rsut y tri i tis ubiti. O y sii ttr,

rr su b t t rrit visr.

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Mobile Money 2011