GSMA  HongKong presentation by Mr. Neel Chowdhury, CMO, Obopay
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GSMA HongKong presentation by Mr. Neel Chowdhury, CMO, Obopay



This presentation focuses on how Obopay delivers customized solutions that enable market makers to offer their own branded mobile money services.

This presentation focuses on how Obopay delivers customized solutions that enable market makers to offer their own branded mobile money services.



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GSMA HongKong presentation by Mr. Neel Chowdhury, CMO, Obopay Presentation Transcript

  • 1. Welcome to fast, convenient mobile money.Mobile Asia Congress 2011 Neel Chowdhury, CMO, Obopay INC MMT Global Deepak Chandnani, CEO Obopay INC
  • 2. Obopay: What we do One global platform with customized Obopay delivers customized solutions delivery by partner/region. that enable market makers to offer their own branded mobile money services. End-to-End managed services: low cost of entry, rapid time to market Digital Wallets Money Transfer (P2P) Disbursements Bill Pay Cross Border Minutes Top up M & E Commerce And more …with customization Remittance capabilities to meet partner needs.Corporate Website Like us on
  • 3. Obopay: Who we are Global Company: Redwood City Investors: Alliance Employees: 250+, primarily CA (HQ), Paris, Bogota, Mumbai & Bernstein, Redpoint, Qualcomm, O focused on technology, customer Bangalore. Actively engaged with nset, Richmond delivery, and operations. partners poised to expand into new Management, Wolfensohn & geographies. Co, Essar, Citi, SG, Nokia. Platform: Resilient, scalable Java- Partners: Go to market with based platform with customized partners in all geographies. delivery capabilities unique to Partners include Nokia, Societe partners in developed and Generale, MasterCard, FIS, Star emerging markets. (FDI). PAYMENT NETWORKS BANKS MNOs HANDSET MANUFACTURERS RETAILERSCorporate Website Follow us on
  • 4. Live Services around the world MasterCard STAR FIS Leading Insurance Money Send Mobile Money People Pay Company Obopay for Banks Disbursements Nokia Money Union Bank Money Yes Bank Money Yoban’tel NORTH AMERICA yuCash by Obopay INDIA AFRICACorporate Website Read our
  • 5. Obopay: Platform for Universal Payments UNIVERSAL ACCESS Mobile Consumer Mobile Agent Web Applications Obopay Connect (SSO) Web Services APIs Application and Use Case Business Logic Multi-Tenant Partner Management PREPAID PLATFORM MULTI-TENANT PREPAID Financial Communication Network Network PLATFORM Connectors Digital Authorization User & Connectors Wallet Tx Data Payment Network Processing Tool Message Settlement Email Pooled UNIVERSAL Management Stored Value CONNECTIVITY Reporting Networks Accounts Multi Tiered Agent Social Networks Network Management SECURE Security Compliance FraudCorporate Website Join us on
  • 6. One size does not fit allCorporate Website Like us on
  • 7. You will leave your customers perplexedCorporate Website Follow us on
  • 8. Emerging Vs Developed markets DEVELOPED MARKETS DEVELOPING MARKETS ACCESS MODES GPRS CDMA WAP Downloadable NFC STK USSD SMS/IVR Native APP WAP App Mapped to Linked to WALLET TYPES bank A/C’s Credit / Debit card Prepaid Cash MARKET Square Google Wallet Mpesa Gcash Nokia Money PRESENCECorporate Website Read our
  • 9. EvolutionCorporate Website Join us on
  • 10. Use Cases Evolution Micro Insurance Micro Deposits Online Merchants Government payments Salary Disbursements P2M Offline P2P merchants Top up Billpay TimeCorporate Website Like us on
  • 11. The Consumer Type of consumer Access to & their behaviour Environment Agent/Merchants Urban Urban & Rural Security & Theft  senders receivers Reach & Distribution Network effect Cash Management Float Management through influencers Storage mechanism with Commission structure enough residual balance kept for transactions Higher usage frequency Increased Money flow Source : ^The 2009 FinAccess survey (FSDT [2009a], p. 16) confirmed that 40% of adults had used M‐PESA/Corporate Website Follow us on
  • 12. The challenge is to create a mobile wallet to address all market segments BANKED  Full Access to fin. products  Medium - very high value txns.  Fully diversified spend patterns BANKED UNDER-BANKED  Limited Access to fin. products  Medium - high value txns.  Moderately diversified spend patterns UNDER-BANKED UN-BANKED  No Access to fin. products  Low value txns.  Restricted spend patterns UN-BANKED To meet the complexities and challenges of the market you need a flexible, powerful suite of offerings to address the wide range of opportunitiesCorporate Website Read our
  • 13. Predicting the future - Down the rabbits hole ?Corporate Website Join us on
  • 14. CollaborationCorporate Website Like us on
  • 15. DifferentiationCorporate Website Follow us on
  • 16. DeliveryCorporate Website Read our
  • 17. Business Models Managed Service Licensed Platform Obopay Obopay • Develop, integrate maintain the platform • Develop, integrate maintain the platform • Operate & host the service Partner Partner • Manage go-to-market & settlement, regulatory • Operates, hosts the service, manages the go-to- compliance, customer /agent enrollment & service market, regulatory compliance, customer/agent enrollment & service • Bear fraud risks • Bear fraud risks Example Example • US/MasterCard, Senegal/SG • Kenya / EssarCorporate Website Join us on
  • 18. Bringing it all Together Consumer Linkages • Universal • Eco-system approach • Ubiquitous • Direct integrations • UI • Inter-operable Platform • High Performing GTM • Efficient • Investment in branding, distribution • Global and operations • Strategic partnerships • Appetite to stay the course Mass Market Offerings Drive Volume/Profitability Create Largest/Network EffectCorporate Website Like us on
  • 19. The possibilities are endlessCorporate Website Follow us on
  • 20. Thank you @Obopay @Neelspeak