Building an Ecosystem - The mdinar© case

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Creova - The mdinar© case - Building an ecosystem

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Building an Ecosystem - The mdinar© case

  1. 1. Building an Ecosystem<br />The Case<br />©<br />
  2. 2. What the future of the Mobile looks like<br />The case of Japan<br />Apartment keys <br />Integrated in the mobile<br />Electronic money « Edy » : <br />Accepted in about 30,000 stores<br />Credit CardID, launched by NTT DoCoMo<br />Accepted in Vending machines <br />(Coca-Cola, C-mode2)<br />Loyalty card <br />For airline companies (ANA, JAL)<br />
  3. 3. Mobile Revenues<br />Benchmark with the rest of the world<br />Mobile advertising<br />Paid mobile services<br />Mobile Commerce <br />Mobile Access costs<br />Rest of the world 2008<br />(194 M$)<br />Japan in 2000<br />(6 M$)<br />Japan in 2008<br />(43 M$)<br />The structure of present Japan lets us imagine what the future is made of<br />Source : NaoshiNema/Hironori Tanalka, Morgan Stanley<br />Mobile Commerce : Sale of physical and virtual (ringtones, logos, etc…)<br />Mobile Services : Hotel reservation, transportation, bank, …<br />
  4. 4. The success of M-PESA<br />“Sending Money Home”<br />The service targets non banked who have a prepaid phone<br />Simple: Embarked solution<br />Secure: Protected by a pin<br />
  5. 5. The success of M-PESA<br />An ease to use micro-payment tool<br />Distribution of mobile transactions in Kenya<br />Transaction costs much lower than the banks’<br />Example: for a 1,000 Ksh, transfer, the costs are:<br /><ul><li>Up to 500 Kshvia les conventional methods
  6. 6. Between 30 and 75Ksh for M-PESA solution </li></ul>8,5<br />17<br />34<br />51<br />68<br />85<br />170<br />340<br />TDN<br />Source: Vodafone, 2009<br />
  7. 7. Which Model to adopt?<br />Kenya<br />Japan<br /><ul><li>Developed country
  8. 8. Early adopters in new technologies
  9. 9. Many alternative payment solutions
  10. 10. Developing country
  11. 11. Limited access to new Technologies
  12. 12. Cash based financial transactions
  13. 13. NFC: Breakthrough technology
  14. 14. Expensive to deploy
  15. 15. Integrates many players around a service provider
  16. 16. Basic and accessible technology
  17. 17. Affordable to offer
  18. 18. Limited in terms of integration</li></li></ul><li>Which Model for Tunisia?<br /><ul><li>Increasing disposable income and expenditures
  19. 19. Young population comfortable with mobile technology
  20. 20. Diversified socio-economical groups
  21. 21. High mobile penetration rate and intermediate coverage by banks</li></ul>Key success Factors<br />Our solution<br /><ul><li>Fast and Flexible in integrating with partners of any type
  22. 22. Affordable to the end user
  23. 23. Created the best user experience for every group
  24. 24. Make financial services accessible to everyone: consumer and merchants
  25. 25. Make it more affordable for everyone, still making money for the banks
  26. 26. Innovate in the types of services offered</li></li></ul><li>The Ecosystem<br />SMSG / SMSC<br />Service authentication<br />Financial Institutions<br />CREOVA MOBILE-PAY <br />PLATFORM<br />Bank Funds<br />Partners Access Mgt<br />Web Admin & Mgt<br />Creova API available<br />User Web admin<br />Financial service Mgt<br />
  27. 27. The Potential of<br />©<br /><ul><li>Banking Services: P2P, Loans, Accounts, etc.
  28. 28. Entertainment
  29. 29. Events and Entertainment
  30. 30. Mobile + Internet Shopping
  31. 31. Transportation +</li></li></ul><li>Who is CREOVA?<br /><ul><li>Team: 20 years software innovation in telecom & financial industries worldwide
  32. 32. 10 years of expertise in Mobile Value-Added-Services
  33. 33. International: based in Paris, France, with offices: USA, Italy, and Tunisia
  34. 34. Innovation Awards:
  35. 35. Proven Solution with customers & partners:
  36. 36. Mobile Operators
  37. 37. Banks
  38. 38. Payment Services
  39. 39. Micro-Financing Institution</li></ul>© Creova Confidential<br />
  40. 40. Thank you<br />www.creova.com<br />

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