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Today’s Presenters (1)
• Extensive research and consulting background within the ICT space
• Over 7 years experience in the telecoms industry across a range of
African countries
Lehlohonolo Mokenela
ICT Industry Analyst, Africa
Frost & Sullivan
https://www.linkedin.com/pub/lehlohonolo-mokenela/41/269/30
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Today’s Presenters (2)
• Ambar leads a team focused on Terra’s vision to digitize international
money transfers, and deepen access to financial services
• Over 19 years experience in wireless voice and data services for the
telecom industry
Follow Comviva on:
https://twitter.com/MahindraComviva
Ambar Sur
Founder and CEO Terra
Executive Vice President for new projects at
Mahindra Comviva
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Focus Points
� Mobile money overview
� Trends Shaping the Mobile Money Market in Africa
� Evolution of mobile money
� Service provider best practices
� Impact on traditional banking
� International remittance opportunities
� Conclusions
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Source: GSMA and Frost & Sullivan
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2012 2013 2014
� There are over 250 mobile money
services, across 89 countries
� Value of transactions going through
M-Pesa is equivalent to 42% of
Kenya’s GDP
� Mobile money accounts for close to
20% of service revenue for the
leading operators
� Mobile money is moving from a value-
added service to a stand alone market
focus for operators
Mobile Money In Numbers
Mobile money services vs. subscribers, 2012-2014
The rising number of mobile money services, particularly in Africa, points to its growing importance to operators’ growth strategies
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Evolution of the Mobile Money Landscape
The widening application of mobile money is transforming the landscape in terms of the target market and service model
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Moving from Money Transfers to Transactional Services
By expanding their payment ecosystem, mobile money providers are able to keep the mobile wallet in the payment ecosystem.
Key mobile money payment
services
Utility Payments
Airlines
Consumer Goods
Tax Payments
Public Transport
Fuel Payments
Main Topics Trends and issues in formalizing remittances
Understanding remittance markets
Integrating remittances and mobile money
Current State of play
One Network Model Maximizing the impact of remittances
Facilitating Growth --Policies and Regulations
Supply side and demand side;
� 90% MFS penetration among
adults
� 18% growth in P2P transaction volume
� USD 17 average transaction size
� 200,000 transactions processed per month
� 75,000 customers - 4% users make a cross-
network transfer
Early Success with Interoperability
A New Approach: One Network Model
One Network
� Multiple partners in multiple
countries Globally – One
Financial Network
� Subscribers can carry out
transactions – remittance,
commerce, etc. – between any
partner in any country, subject
to regulatory approval
� Supports any to any
instrument cash to bank, bank
to wallet, wallet to bank and
bank to bank
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For Additional Information
Samantha James
Corporate Communications
Africa
+27 (0)21 680 3574
Gareth Mellon
Program Manager
Information and Communication Technology
+27 (0) 21 680 3271
