MOBILE FINANCIAL SERVICES


GERMÁN MARTÍNEZ
SOLUTION SALES




ANDICOM 2009
CARTAGENA COLOMBIA
Banking Channels Trend
                                                                          Mobile
         Speed and...
Internet Penetration




MOBILE BANKING - CONFIDENTIAL
Mobile Telephony Penetration




MOBILE BANKING - CONFIDENTIAL
Mobile Financial Services Use cases

                                                                                     ...
Implementation schemes: SMS

       User                                           Operator




        System Security   ...
Implementation schemes: WAP and JME

              User                           Operator                      Internet

...
Implementation schemes: USSD

        User                                                    Operator




         System...
Implementation schemes: IVR

      Operator                Voice Channel               User




          System Security ...
Implementation schemes: SIM BROWSING

           User                           Operator                       BANCO




 ...
Friendly, Easy, Security




           Reset   P
                   Any Mobile Phone Data Bus
                   r       ...
Security

                                                             End 2 End Security

                      Authentic...
Mobile POS




 Customers
                 POS          Merchant


             12:17a
                      VENTA
       ...
Mobile WALLET



Your Wallet Electronic WalletPhone Cel
       Your             Your




                                 ...
NFC + Contactless Payment




                                             Chip + Antenna
                                ...
Evolution Services
Mobile Banking implementations in LATAM




                                            In Production

                   ...
Mobile Banking && Payment
Colombian case study

Luis Alberto Leguizamon
Mobile Banking Colombia
As a result of the Banks’ need to reach more users every day and taking into account
the growth of...
Mobile Banking Colombia
As a result of the Banks’ need to reach more users every day and taking into account
the growth of...
Transactions in September 1.010.315
                                                                                Commer...
Registered Customers (Accumulated)



Total 371.148 Users
Prepaid Reload



Total 2.200.600
STATISTICS

• + 370K users registered
• + 4,2 millions of Balance Inquiry (+45% total transactions)
• + 1 million of prepa...
THANKS!


      german.martinez@gemalto.com
  LALeguizamon@redebanmulticolor.com.co
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Evolución de Servicios Financieros Móviles en Latinoamérica

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Evolución de Servicios Financieros Móviles en Latinoamérica

  1. 1. MOBILE FINANCIAL SERVICES GERMÁN MARTÍNEZ SOLUTION SALES ANDICOM 2009 CARTAGENA COLOMBIA
  2. 2. Banking Channels Trend Mobile Speed and ease of access Financial Services Cost per transaction Internet IVRs US$ 1,19 ATMs POS Branch Office US$ 0,62 US$ 0,28 US$ 0,40 US$ 0,10 US$ 0,08 MOBILE BANKING - CONFIDENTIAL
  3. 3. Internet Penetration MOBILE BANKING - CONFIDENTIAL
  4. 4. Mobile Telephony Penetration MOBILE BANKING - CONFIDENTIAL
  5. 5. Mobile Financial Services Use cases mBanking Check balance Manage cards Pay bills Authentication Transfer money from accounts to accounts Authenticate securely to a web site (wPKI, mPayment mOTP) Peer to merchant Pay merchant NFC payment Pay a merchant Mobile Financial mPayment with an NFC Peer to peer phone Services Transfer money to somebody in the same country Mobile Wallet Un-banked people Air time transfer can access to financial services Top up Transfer air time Mobile money transfer Transfer money to a person abroad
  6. 6. Implementation schemes: SMS User Operator System Security Friendly Transaction cost Service Availability SMS Low Low Moderate High
  7. 7. Implementation schemes: WAP and JME User Operator Internet System Security Friendly Transaction Cost Service Availability HTML/WAP Moderately High Moderately High Low Moderate JAVA / JME Moderately High High Low Moderately Low
  8. 8. Implementation schemes: USSD User Operator System Security Friendly Transaction Cost Service Availability USSD Moderate Moderate Moderate Moderate
  9. 9. Implementation schemes: IVR Operator Voice Channel User System Security Friendly Transaction Cost Service Availability IVR Moderate Low High High
  10. 10. Implementation schemes: SIM BROWSING User Operator BANCO System Security Friendly Transaction Cost Service Availability SMS/S@T High High Low High
  11. 11. Friendly, Easy, Security Reset P Any Mobile Phone Data Bus r mBanking Mobile Wallet Vcc o Un mundo de c Vss servicios e micro ROM s EEPROM RAM Crypto I/O financieros al s (OS) o Mobile money alcance de r transfer Air time transfer Clock todos! Address Bus mPayment mPayment Peer to peer Peer to merchant
  12. 12. Security End 2 End Security Authentication Confidentiality Integrity Mobile Financial Services Algorítmo de Seguridad 3 DES Non Access Control repudiation
  13. 13. Mobile POS Customers POS Merchant 12:17a VENTA ANULACION CIERRE
  14. 14. Mobile WALLET Your Wallet Electronic WalletPhone Cel Your Your 14
  15. 15. NFC + Contactless Payment Chip + Antenna (Integrates at the same Mobile device) Shared services To reload PayPass thru your banking account ICCID Mobile Application
  16. 16. Evolution Services
  17. 17. Mobile Banking implementations in LATAM In Production Deployment Ongoing Prospects BANCA MOVIL - CONFIDENCIAL
  18. 18. Mobile Banking && Payment Colombian case study Luis Alberto Leguizamon
  19. 19. Mobile Banking Colombia As a result of the Banks’ need to reach more users every day and taking into account the growth of the Mobile Telephony whose technology is available 24 hours a day, 7 days a week; the Mobile Banking Concept was born in Colombia.Therefore, it was established a strategy to design a solution which may offer among other benefits: USER FRIENDLY Dinamic STK menues ALWAYS No short codes No keywords needed No strings of data Explicit transactional flow Dynamic session (The user always knows next step) No user trainings needed MOBILE BANKING - CONFIDENTIAL
  20. 20. Mobile Banking Colombia As a result of the Banks’ need to reach more users every day and taking into account the growth of the Mobile Telephony whose technology is available 24 hours a day, 7 days a week; the Mobile Banking Concept was born in Colombia. Therefore, it was established a strategy to design a solution which may offer among other benefits: MASS MAS Market coverage DSTK applet (SIM CARD) SMS Channel usage Device independant MOBILE BANKING - CONFIDENTIAL
  21. 21. Transactions in September 1.010.315 Commercial Launch Commercial Launch Commercial Launch Commercial Launch Commercial Launch Total Transactions: 17.180.358
  22. 22. Registered Customers (Accumulated) Total 371.148 Users
  23. 23. Prepaid Reload Total 2.200.600
  24. 24. STATISTICS • + 370K users registered • + 4,2 millions of Balance Inquiry (+45% total transactions) • + 1 million of prepaid reloads (+15% total transactions) • + 73K found transfers • + 50K Services payment (launched on Oct/2008) • + 2,3 millions attempt of registry process (+20% total transactions) • + 22K new users per month • + 37 millions of Cellular phones ready to be used • Today, more than 1 millions transactions per months + 11.5M TRANSACTIONS DURING LAST YEAR
  25. 25. THANKS! german.martinez@gemalto.com LALeguizamon@redebanmulticolor.com.co
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