Presentation - for GSMAP Beyond 21

8/14/2019 Presentation - for GSMAP Beyond 21

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mPoweringa New economy

mCommerce Solutionfrom Dialog Telekom


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Dialog mCommerce evolution

1999 2001 2003 2005 2007

Dec 1999Mobile Banking

launched withUnion Bank ofColombo

Mobile Bankingavailable with 5 Banksincluding the largestCommercial Bank inSri Lanka. Servicesinclude inter bankaccount transfers (Preregistered)

2002 First STK

Walletimplementation

September 2007 -

Commercial launch of fullmCommerce Services withNDB Bank

Jan 2003implementedelectronic Top UpseZ ReloadNetwork

Nov 2003 Top Upsdirect from Bankaccounts

Sept. 2006 Top Ups directfrom Credit Cards. Bank

initiates the transactionand the customer isregistered at the Bank

Feb 08 Seylan Bankjoins eZ Pay withCredit Cards

Worlds 1st MultiBank mCommerce

Solution launchedby a MobileOperator

Purchase LifeInsurance directfrom the Mobile(Add to Bill)

Various Payments,Flowers, Gifts etc.added to bill

eChanneling Doctors channellingcharged to mobilebill

2009

3rd Bank onboard(HNB)


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Dialog Electronic Payments

Sri Lankas pioneer mCommerce based electronic payment and bankingfacilitation network

Electronic Voucher Distribution Management System Over 350,000 transactions via 9,000 outlets per day Island wide reach POS/ATM/Bank counters as reload centers

Over 1.4 Billion Rupees transacted per month

Zero fraud over eZ Reload Dialogs electronic top up solution

Already established mCommerce solutions

Electronic Top Up, Wallet, Mobile Banking, Remote Payments, P2P Transfers,Mobile trading

Any Bank can participate and issue eZ Pay accounts

Secure transactions 3DES end-to-end security


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Banking Inclusion

An Immediate Dividend fromDigital Empowerment


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The Mobile Phone and e-Commerce

The Mobile Phone (and SIM Card) is a PowerfulComputing Device

Unmatched Inbuilt Security and Authentication (FarSuperior to Internet)

Electronic money (account) Culture Acceptance in SriLanka Over 6 million Pre-Paid users are e-account Savvy Widespread Adoption of Electronic Top-Up by all Operators

Electronic Top via more than 12,000 Electronic Merchants

Potential to Extend to Other Electronic Accounts andTransactions


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M-Powerment enablesempowerment

ProductsandServices

Banks

GlobalFinancialServices

M-Powered

Consumere-Money + m-

Money

NewConsumer MM

NewMerchant/

ServiceProvider

M-

Powered

M-Powered

M-

Powered

Inclusion Drive

digital

digital


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The (Eco) System

Banks+

DomesticFinancialService

providers

GlobalFinancialService

providers

Payment Networks, Cards

Financial Regulators


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Adaptation and Sachetising (forinclusion)

Banks+

DomesticFinancialService

providers

GlobalFinancialService

providers

Payment Networks, Cards

Financial Regulators

Cards onSIM

Mobile asPOS

Economics ofsmall

transactions

Security

RegulatoryCompetition

DistributionSpread

Low cost presence

Economics ofsmall transactions

RegulatoryCompetition

KYC AML Adoption for

inclusion Top Up/ Deposits


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Banking Inclusion

Why are some people `Unbanked`?

Access to Banking Infrastructure?

Access to Payment Infrastructure?

Limited by an `Un banked` Eco-system?

Limited utility infrastructure?

Support from regulators?


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eZ Pay in Sri Lanka

Merchant Network for mobilePayments


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eZ Pay Starter Pack

Customer needs to visit a Dialogoutlet and request for an eZ Paystarter pack:- eZ Pay SIM

- NDB Pre-paid account VISA Enabled

- Connectivity to Seylan bank Credit card

system

Once account is activated,

customers need to deposit cashvia an eZ Pay Top-Up Merchantsfor NDB or starting using viadebit to credit card.


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mPowered Banking

eZ Pay account is linked to a Bank for instantaccess to the eZ Pay merchant network Debit/Credit Card accounts

Virtual account

Access to banking facilities at eZ Pay Cash Points eZ Pay account Top-ups

Cash Withdrawals

Credit Card repayments

Money Transfers

Banking at the Corner Store


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The mPowered Bank

Expand points of presence

Access your bank at selected Corner Storeshops

Low value high volume transactions

Fast/secure/online

Transfer money anytime, anywhere to anyone

Ability to withdraw and Top-Up money atselected Merchants

Inward foreign remittances

Remote transactions Pay utility bills (Insurance, CC Cards, stock brokers

etc)

Pay and accept special offers

Method to make secure on-line payments


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The mPowered Consumer

eZ Pay account with bank (s) of choice Card account/bank account linked to eZ Pay account

Access to banking facilities at eZ Pay Cash Points Cash Top-up to eZ Pay Account

Cash Withdrawal from eZ Pay Account

Cashless transactions (Pay for goods via mobile phone) Transfer money anytime, anywhere to anyone at low cost

Remote transactions Pay utility bills

Pay and accept special offers

Method to make secure on-line payments

Inward foreign Remittance


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The mPowered Merchant

Cashless transactions Secure, online electronic transactions

Control and tracking

Transact securely with Consumers and Suppliers face to face or remotely

Offer banking service

Expand customer base by providing financial Services Secure Transactions

Cash withdrawals

Cash top-ups

Money transfers

Credit card repayments

Utility bill pay point Water

Electricity

Increased revenue in terms of commissions on a wide array ofproducts/services


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The mPowered Business

Automation and transaction logging Small and Medium organisations

Cashless transactions Security concerns addressed

Insurance savings

Payroll

Support EDI transactions Secure payment infrastructure

B to B transactions

Field services and Distribution network facilitation Efficiency in disbursements and collections

Virtual Corporate Fuel Card Avoidance of pre payment and fraud


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mPowered Eco System

Farmer milk the

Cow and sell to

the Shop

Payment

Received via

mobile cash

Collection Agent Sell

the to distributor or

larger organization

Payments for the

goods

Bank Pays the

Shop keeper

mobile Cash

Farmer uses

mobile cash for

goods and services

Village Shop

Farmer

Collection Agent

Distributor

Mobile Cash

enabled Bank

Mobile Banking at

the Village Store


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Integration to eZ Pay

Multiple operators across boarderscan connect to eZ Pay to send orreceive mobile money

Multiple Banks can connect as eZPay account issuing Banks

Minimum Infrastructure

SMPP 3.4 SMS connectivity

ISO 8583 Integration for Banks

Cross boarder transactionssimilar to VISA

Issuing BankAcquiring Bank

Operator SMSCSIM with eZ Pay

Application

SMSC Connected

via VPN Over the

internet

eZ Pay

TransactionSwitch

Internet


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eZ Pay Launch


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eZ Pay Marketing Campaign

Situational Advertisements


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eZPay Marketing Campaign Point of Sales Material

Merchant counter top stickers

Banners

Posters


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Launch of the Second Bank

Seylan Bank Advertising


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Promotions and Discounts

Discounts planned for the New Year Promotions


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eZ Pay Transaction

mChek PIN


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Transaction Authorisation

mChek PIN


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Be mPowered Today

Pay for goods and servicesat anytime, anywhere

Money transfer

Electronic Wallet in yourPhone

Security Assured

Visa pre-paid plastic card Access to ATMs island wide

Internationally access


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THANK YOU

Contact:

Thivanka Rangala

Group Chief Commercial Officer Dialog Telekom PLC

[email protected]

Documents

Presentation - for GSMAP Beyond 21