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  • 1. 31 OCTOBER - 3 NOVEMBER 2011, DUBAI E VE N T SHOWGUIDE Your essential guide to what’s on, where and when at this cutting-edge event. Incorporating: +44(0)20 7067 1831 cwf@clarionevents.comOperator Partners: Platinum Sponsor: Gold Sponsors: Silver Sponsors: Bronze Sponsors:
  • 2. walletXpress Next generation recharging and mobile payment A convenient and secure shopping experience – anytime and anywhere Siemens Communications, Media and Technology Quick, easy, anytime, anywhere and above all, reliable and secure – this is how your subscribers should be able to recharge their prepaid accounts and use their mobile phone to pay for services as well as digital and hard goods. Highly capable of being integrated, easy to manage, absolutely reliable and secure – these are the requirements the corresponding platform has to meet. walletXpress matches these expectations – all of them! With walletXpress, you offer your subscribers a convenient and secure shopping experience with comprehensive recharging and mobile payment options. Visit us at booth no. 2 w.
  • 3. 31 OCTOBER - 3 NOVEMBER 2011, DUBAIWelcome to Connected World ForumDear Colleagues,It is with the utmost pride and pleasure that I welcome you to the very first Connected World Forum.As many of you know, my team and I have been working in the mobile money space for the past four years, the mobilehealth space for the last two, and over the past 12 months have witnessed an increasing amount of convergence across technologiesand applications. For these reasons we felt 2011 was the right time to bring together our mobile money and mobile health conferencesto form Connected World Forum - a large scale, multi tracked conference that focuses specifically on the future of mobile life servicesacross Money, Health, Education, Ticketing and Agriculture.I’d like to thank our Operator Partners Vodafone and Telenor plus our platinum sponsor ProgressSoft , all of our sponsors, exhibitorsand partners, for supporting our vision of bringing together so many key stakeholders from across the various mobile lifeline verticals.In areas such as these, open platforms, common standards and honest dialogues are imperative for driving subscriptions, usage andlife changing innovation.We’ve got a wonderful speaker roster at Connected World Forum, representing key mobile life programs from across both emerging anddeveloped markets - I thank them all for their invaluable contributions this week.I hope you all visit the booths in our new extended exhibition area and get to listen to a number of the technology demonstrations that willtake place during breaks on the expo show floor.I hope the event serves your needs well and you meet the people that you need to. If you need any assistance at all over the coming fewdays, don’t hesitate to contact me or a member of my team – we’ll be happy to help.Warm regardsSteve ClarkeFounder, Connected World ForumWelcome from VodafoneThe mobile phone is one of the transformational technologies to emerge from the twentieth century, another is the Internet. These twoplatforms are now coming together and their convergence means that true global connectivity isalmost upon us.The progression from voice to data via mobile is expected to be just as transformational as the initial rise of mobile phones. Soon the firstinternet experience for many will be through a mobile device, as mobiles are more affordable and mobile networks more pervasive thanfixed line alternatives. This is particularly evident in emerging economies where the lack of infrastructure has meant that mobiles havebecome a platform for innovation across multiple sectors including better healthcare delivery, improved farming practices and access tofinancial services. Consider, for example, the success of our own money transfer service M-PESA, that now has over 20 million customersand regularly transfers over US$ 500 million a month. ‘Connectivity’ in emerging economies really means ‘mobile connectivity’.Vodafone is excited to be a leader – along with key industry, government and NGO partners – in making possible these transformationalinnovations that improve the lives of hundreds of millions around the world. We are honoured to be the Operator Sponsor of thisyear’s Connected World Forum/Mobile Money event and welcome both your participation and the chance to work with you as mobilecommunications seek to change the world, again.Matthew Kirk,Group External Affairs Director,Vodafonet. +44 (0) 20 7067 1831 3
  • 4. 31 OCTOBER - 3 NOVEMBER 2011, DUBAIContentsWelcome 3Programme at a Glance 7UAE Market Briefing Report 8-9Mobile Money Academy Pre and Post Workshop 11Mobile Money Conference Day 1 and Mobile Money Awards 12-13Mobile Money Conference Day 2 14-15Mobile Money Portfolio of Events 16Mobile Money Advisory Board 17-19Mobile Money Speaker Biographies 21-24Mobile Money Sponsors and Exhibitors 27-31Mobile Money Association and Media Partners 31Mobile Money Explained: Vodafone 33Mobile Money Explained: Turkcell 35Mobile Health Academy Pre Workshop 37Mobile Health Conference Day 1 37-38Mobile Health Conference Day 2 38-39Mobile Health Advisory Board and Speaker Biographies 43-44Mobile Health Explained: Orange Austria, 02 Health 46Mobile Health Sponsors, Association and Media Partners 48Mobile Life Conference Day 1 and 2 51Mobile Life Speaker Biographies 51365 Communication 52-53 Want to upgrade to an all access pass? Special onsite price - access all areas for only £250*. Please visit the registration desk to upgrade your pass. *Price valid for full paying conference delegates only. Expo Only Pass holders, please visit the registration desk for more information on upgradingt. +44 (0) 20 7067 1831 5
  • 5. Pre-Conference Workshops: Monday 31 October: 10.00-17.30 Conference Day One: Tuesday 1 November 09:00 CHAIRMAN’S INTRODUCTORY REMARKS Connected World Forum Plenary Sessions 11:10 COFFEE AND NETWORKING 11:30 OPENING REMARKS FROM THE CHAIRRolling out a country-wide mobile payment Smart Health - Facilitation Healthcare throughservice Connected CommunitiesPanel: the VAS that will encourange active Mapping out the mHealth evolutionary path & Mobile Agriculture – Leveraging mobilemobile money usage and put a stop to forecasting growth & new opportunities in the applications to support the evolution of thedormancy industry agriculture industry in AfricaOffering cost efficient and convenient MMT The status of mHealth in India and identifyingservices the main challenges and opportunitiesHow mobile money is accelerating innovation inthe developing world Panel: Who will drive the mHealth industry? 13:30 LUNCH AND NETWORKINGCase study: Orange Money in Kenya Case Study: Orange Austria case study: A successful mHealth programme 1.5 years on Building a structured & successful mHealth ecosystemThe future of global mobile commerce Technology convergence and mobility in healthcareCase study Tanzania: reaching new markets Leveraging m-Health to increase efficiency andthrough M-PESA reduce costs in the healthcare industry 16:00 COFFEE AND NETWORKINGUnlocking potential for mobile money by Using mHealth in the rain affected areas ofintegrating with e-commerce Pakistan How mobile microfinance is being used to support agricultural developmentCase study: Mi-life mobile micro-insurance in Introducing m-Pharma: mHealth’s thin wedgeGhana or a new ecosystem altogether?Panel: Interoperability 18:10 CLOSING REMARKS FROM THE CHAIR FOLLOWED BY NETWORKING DRINKS AND THE MOBILE MONEY AWARDS Conference Day Two: Wednesday 2 November 09:00 CHAIRPERSON’S INTRODUCTORY REMARKSAdapting business models for the evolving How to ensure the technology used in yourmobile money ecosystem mHealth programme is offering secure and patient-centric healthcareTaking your mobile money programme to the Working with partners effectively to deliver Understanding how du are leveraging mo-next level easy to use commercial mHealth services for bile learning apps to promote their e-Health senior citizens servicesCase study: MCB Mobile Delivering healthcare the mobile wayExtending mobile financial services to theunderbanked in the Pacific islands 10:30 MORNING AND COFFEE NETWORKINGCase study: roll out to commodity buyers and Roundtable discussionssupply chain payments in rural PNGExploiting the potential of mobile remittanceThe role of branchless banking in creatingtransformational financial services 13:00 LUNCH AND NETWORKINGGlobal mobile money Emerging mobile Singapore’s personal health management Vodafone’s Digital Communitiesinnovation money developments strategy to engage people and communities in MENA through innovative consumer health technologiesCase study: achieving The transition from a Call centre 101: Deploying an mHealthprofitability & bank led to an MNO service that provides 24 hour access to healthreducing churn led business model information and advice Targeting young Deploying mHealth services to actively support micro-entrepreneurs/ remote patient healthcare with increased low income customers efficiency and reduced costs 15:30 COFFEE AND NETWORKINGTapping into the potential of mobile money in Analysing public demand and standards forLatAm mHealthLaunching Europe’s first mobile MNO TSM Creating standards and certification thatsolution for NFC Payments promote interoperability throughout theDeployments in Turkey - bank perspective mHealth ecosystem mHealth in health information delivery: the Indian market 17:30 CLOSING REMARKS FROM THE CHAIR
  • 6. Market briefing reportMobile Financial Services in UAE – A Key Role in eTransformation Key points • Mobile payments are promoted by Government initiatives such as identity cards and mPay • The Wage Protection Scheme triggered a wave of prepaid cards which provide a perfect partner for mobile money • With key segments, expatriates and youth set to benefit from new services, expect to see MFS take off in UAESegments and Services mPay sees 50% rise in collectionThe UAE is part of the “MENA” region, which comprises 20 Mobile payments are part of a key Government initiative toArab states and has 68% of the world’s oil. As the second put the “Customer First”. The mPay service for public tolargest economy in the Middle East it has excellent pros- pay using SMS realised a 50% rise in collections over thepects for growth. From being a cash-based society it has first half of 2011.continued to shift towards financial cards and MFS. As part of the ePay initiative, it made payments easy andTwo key segments encourage the growth of mobile money. accessible from any phone. By connecting with the UAES-Firstly, expatriates constitute the majority, with only WITCH at UAE Central Bank, Dubai eGovernment allowedaround 20% being UAE nationals, and for them, mobile fee payment through its ePay portal through ATM card/money has proved useful both in terms of receipt of pay direct debit to all 46 well as for sending money home. Secondly, the youth Emirates Identity Authority (EIDA)segment, (roughly one third of the population) is underthe age of 30. EIDA oversees the Population Register and ID Card Pro- gram. Like with the case of India’s Aadhar (discussed inWage Protection System our last report), issuance of identity cards has been a keyIn 2009 the Government introduced the Wage Protection enabler for mobile money. The electronic chip containsSystem that compels all companies to pay employees face photo, name, date of birth, gender, nationality, moth-through electronic payroll, with a checkpoint for Govern- er’s name, marital status, entry information, e-signature,ment visibility of wage disbursement. as well as other information relating to nationality and residence for expatriates such as sponsor’s number, type,Prepaid and mobile number and expiry date of residence permit. This greatlyThis triggered a rapid growth in open-loop prepaid cards facilitates the provision of mobile money services provid-in 2010 (closed loop required legal framework not yet ing a “hook” for AML/KYC management.approved by Central Bank of UAE). For example the UAE RegulationspayMAX card with G-Cash allows for receipt of wagesas well as sending money home. Prepaid cards found a A favourable approach to mobile greatly helps whereperfect partner in mobile. It becomes possible to properly otherwise legal matters are complicated by existence oftrack the money on your card, making it into a mini “bank federal, emirate, and Islamic Sharia law.account” on your phone. Leading issuers include EmiratesNBD, Standard Chartered Bank Plc, Mashreq Bank andNational Bank of Abu Dhabi. 8 w.
  • 7. 31 OCTOBER - 3 NOVEMBER 2011, DUBAIKey players Key corridors from UAE include India, Pakistan, Philip- pines and Bangladesh.UAE, one of the most saturated markets in the MiddleEast, is serviced by two main mobile operators Etisalatand du. du 40% Etisalat 40%Figure 1: Top mobile operators in UAE - market shareEtisalat headquartered in UAE, is one of the largest tel-ecommunications companies in the world and the leadingoperator in the Middle East and Africa. Figure 2: Remittances to and from UAE in US$ billionsWallets launched To cater to them, in 2010 VoiceCash announced a service to enable cross border remittance.In June this year, Abu Dhabi Commercial Bank (ADCB)partnered with Mobibucks, a mobile payments solu- What is next?tions company based in the United States, to offer ‘Mobi’. UAE is certainly a market to watch, with more “firsts” toClaimed to be globally the first of its kind, it is described be expected thanks to the progressive approach to mobileas a cashless, cardless, paperless and phoneless pay- money.ment. Consumers create a virtual account online, based Find out more at this year’s Mobile Money Global Confer-on their mobile number and a secret pin number, which ence and Expo taking place in Dubai on November 1-2they later use to make purchases.Earlier in May, the National Bank of Abu Dhabi (NBAD) Charmaine Oakwon best mobile payment application for its NBAD AR-ROW service enabled by Luup. The service is SMS-basedand at the time of launch was the first of its kind. It ena-bled mobile money transfers and ATM cash-out to anyone Specialist consultants inwithin the UAE, whether or not they are registered users Global Digital Moneyof Arrow. Practice Lead www.ShiftThought.comRemittance corridors Digital Money contact@ShiftThought.comThe range of remittance services from UAE are claimed tobe one of the broadest in the world and include the UAEExchange MasterCard MoneySend service and payMAX- both to the Philippines. Etisalat announced an alliancewith Western Union in February this year.t. +44 (0) 20 7067 1831 9
  • 8. SmartRevenue SuiteTM SmartMoney SuiteTM SmartEnergy SuiteTM Spur the Customer Experience Simplify Complexity Innovative the Business Model Transform costs to cash> Orga Systems FZ LLC | Office 203 | Bldg Number 8 | Dubai Internet City | P.O. Box 500081 Dubai | UAE
  • 9. Mobile Money AcademyPre Conference: Monday 31 October 201110.00 Mobile money pricing and commission structures 14.30 Enterprise mobile money• How to ensure your tariff and commission models are well • Expanding beyond p2p to offer corporate services such as designed to increase revenues whilst attracting customers salary disbursement and invoicing• The main pricing options and schemes • Reducing dormancy by offering new scalable mobile• How can pricing drive usage? money services• Role of airtime promotions • Encouraging active usage of accounts through innovativeAiaze Mitha, CEO, Amarante Consulting loyalty and reward programmes Djellali Mokhtari, CEO, Aikku11.30 Coffee and networking 16.00 Coffee and networking12.00 How to make money from mobile money• How much must an MNO invest in mobile money before 16.30 Defining your agents and distribution models turning a profit? • Creating relationships with super agents to save time• How to manage costs to achieve profitability managing one on one relationships with agents and to• How does an increase in ARPU and churn reduction increase brand trust contribute to profitability? • Leveraging the support of your agents to manage fl oat• Which mobile money applications are driving revenues? balancing, provide on the ground support and educate customers about mobile moneyAleeda Fazal, Head of Mobile Money, Sicap • Developing a viable commission model for your agents and13.30 Lunch and networking incentivising agents to up-sell mobile money services • Reviewing agent banking regulation to allow shared agent networks and mandating providers to offer multiple cash out channels such as ATMs, cards and POS Aleeda Fazal, Head of Mobile Money, Sicap 17.30 Close of workshopMobile Money AcademyPost Conference: Thursday 3 November 201110.00 How airtime fits into the mobile money ecosystem 13.30 Lunch and networking• International and domestic airtime top-up 14.30 How to build a robust and sustainable NFC infrastructure• Increased frequency of top ups, customer retention and • Costs of building an NFC infrastructure in emerging markets, revenue revenue sharing models and partnerships• Relevance to mobile money solutions • Will NFC drive the adoption of mobile payments in developedMehdi Khlouf, CMO, Mobytop markets?Joseph Ponnou, Head GCC Region, Mobytop • Convenience for service providers • Incentivising merchants to incorporate NFC terminals at the11.30 Coffee and networking POS12.00 How mobile money can be a new revenue opportunity 16.00 Coffee and networking which helps telcos and banks earn commission from a regular flow of payments that are guaranteed by the 16.30 How to mitigate fraud in mobile money government • Consumer protection and PCI requirements• How does mobile money work for government? • Impact on compliance procedures and record keeping• Simplifying data management and producing accurate • What do the Anti Money Laundering and Counter Terrorism accounting • Financing Regulations mean to you?• Better management, monitoring, dispute resolution and • International gateways; who takes responsibility? future forecasting Oracle• Extending access to the Bottom of the Pyramid• What does the telco bring to the business model? Access to a critical mass of unbanked mobile customers who also need social benefit paymentsAiaze Mitha, CEO, Amarante Consultingt. +44 (0) 20 7067 1831 11
  • 10. Conference day one: Tuesday 1 November 2011Mobile Money and Mobile Health Plenary Sessions to take • How to manage cash in and outplace in the same conference room. • The opportunity for NFC payments in key markets09.00 Chairperson’s introductory remarks Michael Wakileh, CEO, ProgressSoftHannes van Rensburg, CEO, Fundamo 11.50 Panel discussion: the value added services that will encourage active mobile money usage and put a stop to09.10 Keynote presentation: harnessing the power of dormancy mobile money services and investing in community • Incentivising agents, especially airtime vendors, to boost development to bring an end to poverty mobile money transactions by giving free prepaid top upJulie Evans, Group Sustainability Director, External Affairs, • Creating targeted, ethnic centric marketing and promotionalVodafone strategies to encourage core customers to use mobile money09.40 Keynote presentation: facilitating socio economic • Defining innovative and winning customer loyalty strategies transformation in emerging markets through mobile • Expanding into salary disbursements and bill payments for lifeline services small to medium enterprises – the high volume mobile moneyOsman Sultan, CEO, du transactors Christelle Toureille, Marketing Director METNA, Gemalto10.10 Panel discussion: integrating mobile money and mobile health to develop robust services for the 1 billion Roar Bjaerum, Vice President, Global Co-ordination, Telenor individuals lacking access to healthcare systems and Enrique Beza Rodriguez, Senior Manager, Mobile Commerce, financial services globally Etisalat• How to leverage the ubiquity of the mobile phone to offer Vince Kadar, CEO, Telepin Software financial services and healthcare provision Jacques Voogt, Head of Financial Services, Vodacom• The convergence of mobile money and mobile health: remote payment and settlement of testing, labs, remote diagnostics Marcel Bruck, CEO, MobyTop and encouraging savings towards medical procedures Neil McEvoy, Managing Director, Consult Hyperion• Understanding the synergies between the mobile money 12.40 Offering cost efficient and convenient MMT services and mobile health industries – common objectives to through your existing mobile network and banking transact securely, quickly and cost efficiently; build digital infrastructures infrastructures and business processes to establish an ecosystem of mobile lifeline services in emerging markets • Reduce cash handling costs to gain a higher ROI• Developing the business models and partnerships to offer • Utilise the mobile channel to cross sell other core banking or integrated services, understanding the revenue opportunities data services for stakeholders whilst offering cost effective services to the • Enable over the air transactions in real time whilst consumer maintaining a high level of security• Future uses of mobile money for m-health and the impact of • Deliver a positive customer experience and boost your mobile health to spur demand for mobile financial services transaction volumesJulie Evans, Group Sustainability Director, External Affairs, • Access new customers from the unbanked marketVodafone • Evolve your infrastructures to go beyond remittancesMichael Joseph, Fellow, World Bank & Former CEO, Safaricom Jean-Claude Deturche, Senior Vice President, Mobile Financial Services, GemaltoOsman Sultan, CEO, du 13.00 How mobile money is accelerating innovation in theProf. Krishnan Ganapathy, President, Apollo TelemedicineNetworking Foundation, President, Telemedicine Society of developing worldIndia, President, Indian Society for Stereotactic & Functional • Ten clear lessons learnt for the successful deployment ofNeurosurgery mobile money - examples from across AfricaManish Gupta, CIO, Global Healthcare • How to build trust with your customersHannes van Rensburg, CEO, Fundamo • Moving on from mobile money systems; savings, insurance, emergency credit - features customers want11.10 Coffee and networking Michael Joseph, Fellow, World Bank & Former CEO, Safaricom11.30 Rolling out a country-wide mobile payment service 13.30 Lunch and networking• Key collaboration of all stakeholders: MNOs, banks, retail merchants and government• Creating a number of use cases for mobile money including person to person, person to business and person to government payments• Developing an ecosystem of banked and unbanked customers 12 w.
  • 11. 14.30 Case study: Orange Money in Kenya – developing a new 16.30 Unlocking the potential for mobile money by integrating business model combining the strengths of an MNO services with e-commerce and bank to offer a new proposition in a mature mobile money market • How digital goods and services can drive mobile money usage in developed and developing markets• Capitalising upon the market situation in East Africa: • Identifying consumer needs and tailoring services to meet advancements in technology to offer an open platform, phone their demands based account opening and agency banking regulation • Overcoming the challenges to integrate e-commerce with• What the MNO brings to the partnership: multi channel mobile money services access through STK, USSD, J2ME, branding and distribution• What is the role of the bank? Providing mobile banking Neil Ahlsten, Head of New Business Development, Google services, linking mobile money to core banking services and 17.00 Case study: Mi-life mobile micro-insurance in Ghana providing security platforms • Updating the mobile money service so that customers can• Orange Money product features: phone to phone and bank to have access to life insurance bank transfers, higher transaction limits, send money to any • Mobile phone as a cost efficient channel to lower the cost of mobile network operator, 24 hour access to money through collecting premiums and disbursing claims phones and Orange Money debit card, ability to monitor and repay loans • Advantages for MNOs and insurance companies: providing a massive and efficient distribution platform and improvedSnehar Shah, Head of Mobile Money, Orange communications with the customer (e.g. using SMS14:50 Advanced mobile money – how to build scale across reminders and interactive menus) geographies • Empowering customers to manage their insurance policies in a cost effective and accessible manner• How we are up scaling our services in India, Senegal and Kenya Eli Hini, General Manager Mobile Money, MTN Ghana• Extending your retail penetration in low income markets 17.20 Panel discussion: how to make interoperable mobile through agent networks to maximise distribution of mobile money a universally accepted form of payment money services • Looking at interoperability from different angles - network,• Encouraging consumers to use mobile financial services with connectivity and regulations the opportunity to cross sell other products • Increasing customer convenience through cross telco andDeepak Chandnani, CEO, Obopay cross banking services15.10 A global perspective on the future of mobile commerce • Creating common standards for replicable business models• Update on how mobile commerce is evolving that will boost the scalability of mobile money• How banks are moving beyond banking, and operators beyond • How different partnerships impact on profitability payments • What is the role of the card association in the mobile money• The rise of the independent financial service providers market • Overcoming challenges in gaining regulatory approvalMatthew Talbot, Senior Vice President, mCommerce, Sybase 365 Kazi Md. Saiful Alam, General Manager, Regulatory,15.30 Case study: reaching new markets through M-PESA – revealing the potential of mobile money in Tanzania Grameenphone• How we increased our customer base substantially through Pascal Di-Girolamo, Mobile Money Transfer Director, Gemalto M-PESA Paul Thomas, Director Global Strategic Partnerships,• Encouraging mobile money to become a part of customer’s MoneyGram daily lives to boost transaction volumes• Enterprise mobile money; more than 50 businesses using b2b Anirbban Goswami, Senior Manager, Axis Bank & b2p cash disbursements, p2p transfers, loan collection, Bryan Maybury, Director Mobile Financial Services, Roamware distribution and repayment Lee-Anne Pitcaithly, CEO, WING• Increasing our distribution network to make M-PESA available on every street corner Hanney Ishak, CTO, CIT VERiCASH• Extending the cash merchant network to support cash Vince Kadar, CEO, Telepin Software withdrawals from a bank account and for cash deposits into a bank to encourage savings 18.00 Close of conference followed by• M-PESA for social economic development: Government Employee Pension Fund and Women Economic Initiative Mobile Money Awards and networking drinksJacques Voogt, Head of Financial Services, Vodacom Mobile Money Awards16.00 Coffee and networking M OBI LE Mobile Money 2011 delegates are invited to M ONEY attend the Mobile Money Awards Ceremonyt. +44 (0) 20 7067 1831 13
  • 12. Conference day two: Wednesday 2 November 201109.00 Chairperson’s introductory remarks 11.00 Case study: Visa and emerging market entry strategies for interoperable mobile money services09.10 Expanding your mobile money business into new Brad Jones, Director, Mobile Money, Visa Inc. markets and opening up new revenue streams 11.20 Gaining deeper insights into consumer behaviour to• Capitalising upon the mobile money opportunity to counteract realise the full potential of mobile financial solutions – declining growth rates and shrinking margins case studies from across the globe• Keys to success; distinct knowledge on low income consumer • Understanding consumer motivations to enhance mobile spending habits offering inexpensive but extensive distribution money propositions services • Examples of how mobile financial service providers have• Living in a connected world – developing next generation expanded service usage through a deeper appreciation of mobile money services consumer needsRamez Younan, CEO, Orga Systems Srinivas Nidugondi, VP Mobile Financial Services, Comviva09.30 walletXpress: the evolution of mobile payments on to 11.40 Case study: MCB Mobile – rolling out bank led one platform transformational mobile money services in Pakistan• Offering new services and products also in the area of energy, • Launching a shared, interoperable mobile banking platform to medicine, and ticketing engage a critical mass of participants• Developing open interfaces to support third-party platforms • Providing the impetus for banks to grow quickly and avoid and applications and customising and personalising services losing market share by creating the next band of low cost anywhere and anytime financial products through mobile phones• Understanding the ecosystem around walletXpress with • How banks can utilise mobile money services to increase global stakeholders revenues: mobile payment services provide the hooks for• Complying with common standards and regulatory deposit floats requirements Qasif Shahid, Head of Remote Banking & Business DevelopmentFrancesco Prato, Sales Director, Siemens & Executive Vice President, MCB09.50 Adapting our business model to meet the needs of the 12.10 Exploiting the potential of mobile remittance: from evolving mobile money ecosystem remittances competition to cooperation• Developing a business case that offers a multitude of services • Increasing the international cross border mobile money e.g. airtime top up, remittances and utility bill payments to opportunities through cooperation with key stakeholders increase growth and revenues • Competitive developments in mobile money transfer• How we set up our agent network and how we are expanding • Moving mobile money propositions beyond p2p transfers our POS presence to enhance our distribution network Katia Hilal, VP Marketing & Alliances, eServGlobal• Future plans to offer cross border mobile money services Frederic Schepens, Senior VP of Mobile Financial Services,Dan Cohen, General Manager, Movilway BelgacomJohn Owens, Board of Directors, Movilway 12.30 Case study: roll out to commodity buyers and supply10.10 The potential of mobile money in North Africa and chain payments in rural PNG Middle Eastern markets: market assessments of Egypt, • Mobile money as a banking service which solves an Tunisia and Morocco immediate and growing problem for buyers• Developing the mobile money business case and • Establishing the active customer base (growers) ready to understanding the key considerations when it comes to receive payment increases i implementing your strategy • Building the localised ecosystem of eft pos merchants to• How long does it take to roll out a mobile money programme? support cash-out and transactions• Understanding the macro economy, culture, literacy levels, David Kleiman, Consultant,Mobile Banking Agent Network usage of VAS, competitive landscape and trust in mobile Management, Bank of South Pacific technologyMargarete O. Biallas, Global Lead Retail Payment Institutions & 13.00 Lunch and networkingInnovations, Access to Finance Advisory, IFC10.30 Morning Coffee and networking 14 w.
  • 13. After lunch, the conference splits into two tracks, go to the one most relevant to you.Global mobile money innovation Emerging mobile money developments in MENA14.00 Business models: a look at emerging Papua New Guinea 14.00 Building a future-proof mobile strategy in financeAnnie Smith, Head of Mobile Financial Services, Digicel Scott Lowe, Business Development Director, eLeaderVince Kadar, CEO, Telepin Software 14.20 The transition from a bank led to an MNO led business model14.20 Taking your mobile money programme to the next level:introducing corporate mobile money services Sammy Tuffaha, Head of Mobile Commerce, Orange JordanRoar Bjaerum, Vice President, Global Co-ordination, Telenor 14.40 Developing our mobile payments product suite to attract new customers and cross new regions and geographies14.40 Mobile Money Implementation Progress and Key Realisations – a Smart Money perspective Rashed Al Alabbar, Director Mobile Commerce, EtisalatJojo Malolos, Group Head of Financial Services, Smart 15.00 Vodafone Qatar’s mobile money journey to launch theCommunications Money Account product15.00 Increasing your mobile money services’ profitability Irfan Ali, Head of Vodafone Money Transfer Distribution,Peter Fredell, CEO, Seamless Vodafone Qatar15.20 Learning from established markets and tapping into the Markus Bikker, Senior Product Manager, Vodafone Qatar potential of mobile money in Latin America 15.20 Targeting young micro-entrepreneurs and low income customers with mobile microfinance products andAiaze Mitha, CEO, Amarante Consulting instigating new mobile money innovations Ammar Hamadien, Program Director, Products & Innovation, Zain15.40 Coffee and networkingPlenary Session16.10 Approaches for MNOs to offer mobile financial services 16.50 Launching world’s first multi - bank application solution in countries with high bank account penetration - a case of UICC for NFC payments study from Iran • Defining our entry strategy to launch NFC payments• How to assess the potential of mobile financial services in a • The importance of NFC as part of Turkcell’s ambition to be country with high bank account penetration one of the leading non banking financial service providers• Looking beyond the basic mobile money product portfolio to • The promise of offering financial services on a phone find killer applications • Real life cases from Turkcell mobile wallet implementationsAli Reza Toloue, CEO, Jiring Ergi Sener, Product Manager, Mobile Financial services, Turkcell16.30 International mobile money remittances – lessons 17.10 The roadmap for successful mobile payments learnt and thoughts for the future deployments in Turkey from a bank’s perspectivePaul Thomas, Director Global Strategic Partnerships, • Shaping the mobile payments landscape in Turkey by setting aMoneyGram common standard • What role will mobile network operators have to play in the payments market? • How banks can take advantage of mobile banking to increase new revenues • Example of mobile payment use cases from Garanti Bank Ulas Erdur, Product Manager, Mobile Payments, Garanti Bank 17.30 Close of conference and end of day twot. +44 (0) 20 7067 1831 15
  • 14. F Special CW iscount Attendee D n our Save 20% o ents whenOur industry acclaimed regional ev r by 9th you registe 2011.Mobile Money events include: December REG Quote CWF 31 OCTOBER – 3 NOVEMBER 2011, DUBAI, UAE MOBILE MONEY APAC CONFERENCE & EXPO SINGAPORE 30 JANUARY- 2 FEBRUARY 2012 MOBILE MONEY AMERICAS CONFERENCE & EXPO BRAZIL 26-29 MARCH 2012 MOBILE MONEY AFRICA CONFERENCE & EXPO KENYA 14-17 MAY 2012 MOBILE MONEY SOUTHERN ASIA CONFERENCE & EXPO MUMBAI, INDIA SEPTEMBER 2012Mobile Money Conferences allowed me to understand what is the state of the artin mobile money throughout the world, and helped me come up with new ideas,enriching my knowledge of the subject - Stephane Bruno, Senior Technology Advisor, Hifive t. +44(0)20 7067 1831 e. 16 w.
  • 15. Mobile Money Advisory Board Abhishek Sinha, Eko India Financial Services Abhishek is responsible for the strategy and vision of Eko. His focus areas are regulations, compliance, corporate governance, generating disruptive business ideas, and building the leadership team at Eko. He also plays supportive roles to his colleagues in the areas of business development, product architecture and fund raising. Abhishek believes in the creation of wealth and degrees of freedom. After a short stint in the telecom division of Satyam, Abhishek discovered that his true calling was entrepreneurship. He co-founded Six DEE Telecom Solutions,a telecom value added services company and grew the business to span nine countries and fifteen operators. In February 2007, Abhishek exited SixDEE to pursue his vision to promote mobile phones as a financial identity for people at the bottom of the pyramid. His passion for simplicity of userexperience and zeal for democratizing access through cost-reduction, led to the development of the basic principles on which Eko is based. Those ideaswere validated when he won the TIE-Canaan Entrepreneurial Challenge, 2006. Abhishek continued to learn from Telecom and tailor technology as wellas business processes to suit the needs of the financially excluded. The merit of the idea to use mobile technology as a means to achieve scale and costeffectiveness for financial service delivery were re-confirmed during a chance visit by Mr. Bill Gates in November 2008. Abhishek dreams of a cashlessworld where every individual could be a merchant and every phone, the equivalent of an ATM. Aiaze MITHA, Principal, Amarante Consulting Aiaze Mitha is the founder of Amarante Consulting, a boutique consultancy specialized in mobile financial services, and a consultant to the IFC Access to Finance team for all matters related to mobile financial services in Latin America. A renowned international figure in the mobile financial services industry, Aiaze combines first-hand implementation experience with direct involvement in over 20 branchless and mobile-banking projects across Africa, Asia, Middle East and Central America. He has successfully supported Mobile Operators,Microfinance Institutions, International Banks, Regulators and Vendors in various aspects of their mobile financial services initiatives, providingstrategic guidance, regulatory advice, product insights, technology expertise and implementation support. Over the last 2 years, Aiaze has beendirectly involved in many mobile money implementations, and has significantly advanced Amarante Consulting’s involvement in Latin America and inAfrica. Previously Aiaze directed M-Paisa for Roshan, the leading mobile operator in Afghanistan. Prior to Roshan, Aiaze was Consulting Director withDevoteam Middle East, with a focus on the Telecom Industry and Financial Sector. Aleeda Fazal, Managing Director, Paradigm Solutions & Consulting Aleeda Fazal is a highly regarded expert in the field of mobile financial services and has an excellent track record for delivering mobile payment solutions in emerging markets. As Product Manager for Vodafone’s M-PESA pilot in Kenya, and as Senior Product Manager for the deployment of M-Paisa in Afghanistan, Aleeda played an instrumental role in the development of the technology and gained valuable experience in the operation of mobile financial services. Aleeda is currently an Advisor for the US Department of Defense on projects that aimto create economic stability in Iraq through the development of the banking sector using mobile telephony. Ali Abbas Sikander, Group Executive Director of Operations and Technology, Tameer Microfinance Bank Abbas is currently the Group Executive Director of Operations and Technology at Tameer Microfinance Bank and is responsible for overall Operations and Distribution Infrastructure Deployment, support and day-to-day running of central operations. He is also spearheading the branchless banking initiative for Tameer Bank. Abbas has had vast exposure with multinational banks over the past 15 years, with expertise in development, management, sales and solutions, delivery of cash management, trade and treasury products to Corporate, Private andInstitutional customers. Prior to joining Tameer, he was based in Dubai looking after Export Agency Finance transactions in the Middle East for Citigroup.He also worked with Operations and Technology Product Management for Citigroup in the UAE, where he was responsible for managing all aspects ofe-Business in the region to position and differentiate Citibank’s e-Business products. Prior to joining Citigroup, he worked as a senior managementconsultant with Ferguson Associates, a part of Price Waterhouse, covering it’s IT and Business Process Re-engineering practice. Abbas also worked withMerrill Lynch Future Inc. as a Technical Analyst from 1990 to 1991 in New York, USA. Brad Jones, Director, Mobile Money, Visa Inc. Brad is the Director, Mobile Money for Visa, responsible for the growth of the Visa Fundamo business in Asia Pacific. Based in Singapore, Brad joined Visa in May 2010 and was initially based in Dubai where he was responsible for all mobile activity in North & West Africa, Middle East and Pakistan. Previously, Brad had a nine year career with Australia & New Zealand Bank Limited (ANZ) in Australia and Asia, which included a number of roles in operations, projects and general management. This included the role as the founding Managing Director ofWING Cambodia, a 100% owned entity of ANZ and one of the first mobile money implementations in South East Asia. This start-up role was responsiblefor establishing a business providing payments services to the under and un-banked segment in Cambodia using cell phones as the primary interface.The business commenced operation in November 2008 after an eight month start-up period, including regulatory approval, technology and businessbuild. By the time Brad left WING and ANZ in May 2010, the business had integrated into five mobile network operators, had a national network ofmerchants and was providing financial services to thousands of Cambodians who had previously been under-served. WING had also been successful inbeing awarded a Financial Insights Innovation Award in 2010, and was one of twelve finalists in the Wall Street Journal Asian Innovation Awards for 2010. Brian Richardson, Founding Director and CEO, WIZZIT Educated at Wits with a BCom and an MBA. Currently a Founding Director and CEO of WIZZIT, a recently launched bank operating as a division of The South African Bank of Athens Limited aimed at the un and under banked segment of the population. WIZZIT was launched in November 2004 and in providing affordable banking to the mass market was the first to launch as part of its offering, cell phone banking that works across all the networks and all phones and SIM cards. WIZZIT solves not only an accessibility and affordability issue but froma convenience point of view offers 24/7 real time transactions and hence is “Your Bank in Your Pocket.” WIZZIT is recognized as the global pioneer inmobile banking. Carol Realini, Executive Chairman, Obopay Inc. Carol Realini is an imaginative pioneer whose foresight and business acumen have changed the landscape of technology, and whose global vision is providing hope and a future for people in developing countries. In 2005, Carol Realini founded Obopay to meet the nascent need for an industry leader in mobile payments. Today, Obopay - through partnerships with financial institutions, mobile carriers, handset providers and merchants such as Societe Generale, MasterCard, Nokia and Essar - is using mobile phones to deliver financial services thatempower people’s life and work. Carol founded Obopay after traveling in Africa and recognizing that while mobile phones were ubiquitous, many peopledidn’t have access to even the most basic banking services. Recognizing the need and opportunity in both industrialized and developing nations, Caroldesigned Obopay’s business model to promote social and economic development throughout the world, by providing mobile savings, money transfer, andpayments to people everywhere.t. +44 (0) 20 7067 1831 17
  • 16. Charmaine Oak, Practice Lead, Digital Money, Shift Thought Charmaine has the advantage of contributing to the global development of digital money from the perspective of the world’s leading money transfer company Western Union, a global bank (Royal Bank of Scotland), a global mobile operator (Orange FT), a global Telecommunications consultant (LogicaCMG) and a leading IT Consultancy Wipro. Charmaine’s area of expertise is in the crucial early phases of digital money projects. Charmaine leads the Digital Money practice of Shift Thought, which specialises in knowledge integration for successfully launchingproducts within complex global ecosystems. Shift Thought provides regional reports, country entry strategy and adviceon strategic partnerships,digital wallet specifications and creation of value added services. Consulting services and advice is based on a unique framework of the Digital Moneyecosystem providing current and contextual knowledge of digital wallets, players & partnerships, products & services, regulatory environment, consumermarkets, pricing, and business models. Daniel Ayala, Senior Vice President Global Remittance Services, Wells Fargo Bank N.A. Daniel Ayala manages product development, product management, operations and customer service for Wells Fargo’s consumer remittance service activities. Ayala and his team manage the Wells Fargo ExpressSend service and other products focused on consumer remittances to China, India, Vietnam, the Philippines, Mexico, Guatemala, and El Salvador. Ayala is a global payments systems expert with more than 16 years of related consumer and wholesale banking experience. Previously, he has been responsible for corporate and financial institutionstreasury management activities focused on product management, marketing and sales management for Citibank, JP Morgan Chase and Bank ofAmerica. Over the past six years, Ayala has emerged as a renowned consumer remittances expert and has been widely recognized as a key industryleader by regulators, the media and academia. He is a founding senior leader for Wells Fargo’s Latino team member resource group “Amigos”. He hasrepresented various lines of business in the Corporate Diversity Council. Dare Okoudjou, CEO, MFS Africa Limited (Formerly Head of Mobile Money International Development, MTN) Dare has more than 10 years experience in the Telecom industry. He joined MTN Group in 2006 where he has been involved in reviewing MTN- Banking experiment in South-Africa and subsequently developing the Group’s mobile-payment strategy. He has overseen the implementation of MTN MobileMoney across the Group’s 20 operations outside South-Africa. Dare is now co-founder and CEO of MFS Africa Limited a company that provides consulting and turnkey payment services to MNOs and Banks. He is a founding member of the GSMA Working Groupfor Mobile Money Transfer and is recognized as one of the world’s experts in the field. Prior to joining MTN, he has worked as a Management Consultantwith PricewaterhouseCoopers in Paris where he assisted leading Telecom & Media companies in Europe & Africa on strategy development andimplementation issues. He holds a MSc. in Telecom Engineering from ENST-Paris (France) and an MBA from INSEAD (France/Singapore). Elmer M Malolos (Jojo), Head, Financial Services, Smart Communications, Inc. Philippines Jojo is currently the GROUP HEAD for Financial and Load Services of the Wireless Consumer Division of Smart Communications. Inc. He is also the CEO of Smart Hub, Inc. a subsidiary of Smart Communications focused on global mobile money. He has worked for Smart for more than 7 years and spent his earlier years in the telecoms industry as a Management Consultant with the IBM Business Consulting Services, and PricewaterhouseCoopers Consulting where he held director and Telco Services Sector business unit head roles in the ASEAN region. His areasof focus in his consulting career covered strategic operations management, mergers, acquisitions & integration and organizational change management. Graham A.N. Wright, Programme Director, MicroSave Graham A.N. Wright helped design and establish the MicroSave programme and is currently Programme Director for India. Graham pioneered much of the core of market-led approach used by MicroSave – in particular the Market Research for MicroFinance tools. He has had a career of two decades of development experience underpinned by five years of experience in management consultancy, training and audit with a leading accounting firm in Europe. He is a reformed Chartered Accountant. Graham has provided training andtechnical assistance to a variety of microfinance institutions in Bangladesh, India, the Philippines and throughout Africa. He helped develop, test andimplement a sustainable rural savings and credit programme for BURO, now an influential microfinance institution in Bangladesh. He provided long-term technical assistance to develop a rural finance system, using self-help “Savings and Loan Groups” linked to strong cooperatives in a remotemountainous area of the Philippines. In Africa he sat on the steering committee that oversaw the design and testing of MPesa and in Asia he headsseveral teams working on e- and m-banking solutions for banks and MFIs. John Owens, Director, Movilway A lawyer and recognized expert in the field of microfinance and mobile money services with more than 23 years of field experience in Africa, Asia, the Caribbean, Latin America and the Middle East. He has worked on using mobile money to support mobile financial services in collaboration with mobile money issuers and banks as well as coordinated with bank regulators since 2004. As Chief of Party for the USAID-supported Rural Bankers Association of the Philippines (RBAP) Microenterprise Access to Banking Services (MABS) program, hehas worked directly with Globe Telecom’s G-Xchange Inc. to promote the use of GCASH in over 70 rural banks with over 1,000 branches and sub-officesnow making use of mobile money to provide mobile phone banking services across the Philippines. John is currently an independent board of directormember of Movilway and is on the international advisory panel of the Mobile Money Transfer (MMT) Forum. Mehboob Chowdhury, CEO, Citycell Bangladesh Mehboob Chowdhury has been in The Mobile Communication Industry for 10 years in various Senior Management Positions. A post graduate in Management from the University of Dhaka in 1975-1981, he is presently the CEO of Pacific Bangladesh Telecom Limited and the Chairman of South Asia Mobile Forum. He was the Chief Commercial Officer (i.e. head of Sales, Distribution, Marketing, Strategy and Customer Management) in Banglalink (an Orascom Telecom Ventures Ltd company) in 2005-2006. He was the Head of Sales and Marketingin Grameenphone Ltd from 1998 - 2005. He chaired the Asia Pacific GSM Association from July 2005 to June 2007. In the process, he was responsible forfurthering the causes of GSM Operators in the Asia Pacific Rim, and area of work also involved working with Regulators, GSM Operators and Vendors. Michael Wakileh, Chief Executive Officer, ProgressSoft Corporation A co-founder of ProgressSoft Corporation in 1989, Michael Wakileh is the company’s Chief Executive Officer. A technology-savvy visionary with specific expertise within the financial and banking solutions industries, Wakileh’s long-standing career focus is on positioning ProgressSoft as the patriot of real-time payments around the globe. As ProgressSoft’s CEO, Wakileh leads the efforts in business development and worldwide presence to the public, ultimately resulting in migrating numerous financial institutions to new businessparadigms. Wakileh assumed a predominant role behind ProgressSoft’s success in becoming the world’s first provider of an Electronic Image-basedCheck Clearing Solution; a state-of-the-art innovation that has brought much acclamation and international recognition to ProgressSoft. Wakileh hasalso been the prime driver behind introducing the collaborative country-wide mobile payment switch that supports all types of payments. Norman Frankel, Chief Executive, Mi-Pay Norman is a world authority in mobile payments and e-Commerce with over 12 years industry experience. His team have written the m-Payment strategies for Telefonica International, MasterCard International, Orange Group, KPN and T-Mobile International and deployed working payment solutions for Vodafone and other operators. He is founder and Chief Executive of Mi-Pay Ltd, a company specialising in adding value to mobile initiated payment transactions, particularly in the area of pre-paid top-up and remittances. Mi-Pay works with mobile operators, 18 w.
  • 17. money transfer businesses and banks to reduce pre-pay top-up costs, provide improved customer experiences and innovative mobile payment programmessuch as remittances. Customers include in Europe, Operators in the Vodafone Group; KPN Telfort, Tesco Mobile, Carphone Warehouse and in the MiddleEast, Du, Saraf Mobile and Zain and customers in Africa. Mi-Pay is judged both by client numbers and volume & value of top-up transactions processedthe largest independent direct channel top-up service provider in Europe. The company is involved in many exciting mobile initiated payment innovations,including being a lead vendor and advisor to the GSMA Mobile Money Vendors Association for Remittance and Micro-Finance mobile payments, advisor toClarions Mobile Money Transfer events and recently advisor to IAMTN’s remittance education programme. Pascal Di Girolamo, Business Development Director, Mobile Financial Services, Gemalto Pascal has extensive experience in product, partnership and business management for software solution in Telecom industry. In Gemalto, he contributes to the introduction of new technologies, such as contactless card being ISO standard representative; the first development and deployment of Java Card into the GSM market, and developing Gemalto Mobile TV SIM based solution. Pascal moved three years ago to Mobile Financial Services in Gemalto Telecom Business Unit, in charge of strategic partnership andbusiness development. He oversaw the deployment of various mobile banking and mobile money applications. His current mission is to Head mobileInternational Money Transfer activity in Gemalto. Pascal Di Girolamo holds a MA in Electronics. Rizza Maniego-Eala, President, G-Xchange, Inc. Rizza Maniego-Eala is the President of G-Xchange, Inc. (GXI), a wholly-owned subsidiary of Globe Telecom, one of the leading wireless providers in the Philippines. GXI pioneered the revolutionary model in cardless and cashless mobile commerce service called GCash which was launched in the Philippines in October 2004. Prior to being President of GXI, Rizza was Vice President of Financial Planning and Analysis for Globe Telecom, a position she held for 8 years. In this capacity, she was in charge of the Company’s long-term financial and strategic planning,international capital markets funding, merger, acquisition and joint venture initiatives, and investor relations.Before joining Globe, she spent five years as anEquity Research Analyst, with the last two years as Deputy Research Head for NatWest Securities Hong Kong Limited’s Philippine Representative Office. Samee Zafar, Director, Edgar, Dunn & Company Samee is a director in the London office of Edgar, Dunn and Company, a global management consulting firm. Samee has advised some of the world’s largest organisations in North America and Europe, working at the Board level. Samee specialises in payment systems covering retail instruments such as credit, charge, and debit cards and has worked extensively with clients on emerging payments such as internet and mobile payment payments. His functional expertise extends from concept and new product development to strategy formulation,operations and technology implementation and improvement, product roll-out, and profitability enhancement. He previously held leadership positionsat PricewaterhouseCoopers and at Scient Consulting based in New York. He started his career with Visa International in London where he helped banksenhance their payment product profitability. A highly respected management consultant, Samee has published a number of articles in leading industryjournals such as the Electronic Payments International, American Banker and Banking Strategies Magazine. Serge Elkiner, President and Founder, YellowPepper With an ever-evolving knowledge of global finance under his belt, Elkiner created the Latin American mobile financial services leader, YellowPepper.In Latin America, Elkiner saw that mobile technology was a viable opportunity to provide basic banking services to the unbanked and underserved. Seeing the potential to use pervasive mobile technology to empower consumers, Elkiner developed YellowPepper Mobile Solutions and engineered partnerships with the top financial institutions. These relationships have created opportunities with mobileoperators and retail organizations, and thereby better access to mobile financial services throughout Latin America. Prior, Elkiner was Vice President ofBusiness Development for HelloTech Technologies. Elkiner designed and implemented the company’s mobile offering and played an integral role in thelaunch of a pilot mobile system along with Aramark and Ed Dooley Vending. Thivanka Rangala, Group Chief Commercial Officer, Dialog Telecom Mr. Rangala presently functions as the Group Chief Commercial Officer. He is responsible for the group’s Business Development, New Business Operations, Supply Chain Management and Investor Relations. During his tenure, starting 1997, he has served in many capacities, primarily heading the corporate finance function of the company, he has engaged in and led several strategic initiatives including Acquisitions, Project Management, CRM, Content management and General Management of the Company’s R&D activities. Thivanka alsoplayed a key role in the lead up to the company’s record breaking listing initiatives (IPO) and the SAP implementation. Prior to his appointment withDialog Telekom, Mr. Rangala gained experience primarily in the finance profession in several sectors including Trading, Construction, Aqua Culture,Hospitality, Manufacturing and Service. Mr. Rangala holds a MBA from the University of Western Sydney, Australia and is a direct Fellow of CIMA [FCMA],He has also followed a management programme at INSEAD [YMP] and is a Member of the IMSL. In May 2004, Mr Rangala was awarded the PinnacleAward for ‘Business Manager of the Year 2003’ by CIMA, Sri Lanka. He is the Director / Treasurer of LISPA and is also the Chair designate of the FinanceCommittee of Infotel. Vincent Kadar, CEO, Telepin Software Vincent Kadar, CEO of Telepin Software, has more than 17 years of executive experience in software technology companies for wireless and telecom networks. Prior to his role with Telepin, Vincent was founder and CTO at Airwide Solutions, a leading provider of mobile messaging infrastructure. Mr. Kadar has also served as Director of Wireless Technology at InfoSpace Inc, and in senior technology positions at CrossKeys Systems and Accenture. Vincent frequently presents at industry conferences and has been published in leading magazines. Formore information, visit his blog about mobile money: Zouhair Khaliq, CEO, Orascom International Investment Holding Twenty five years of senior general management, strategy and Board level experience with Price Waterhouse, ICI plc, Motorola Inc. and Orascom Telecom. Twenty years in the Telecom and Technology space, building and managing high caliber teams to launch and manage cellular networks across different parts of the world. Key capabilities in managing turn arounds and re-organising companies and managing them to success both at Board and Operational level. Successful track record of very effective relationship and people management bothinside the organisation and within the operational eco-system in several countries. Have served on the Board of Directors of several Mobile Operatingcompanies in the United Kingdom, Egypt, Algeria, Tunisia, Bangladesh and Pakistan. Have served on the Board of a Government Information/Communications Technology Research and Development Fund, Board of Mobile Number Portability Company, Board of Directors of the Islamabad StockExchange and several Education and Charity organisations over the years. Currently engaged in devising and implementing Group strategy on Bankingand integration of Mobile Financial Services throughout the Orascom Telecom Group cellular operations in Europe and MENA region.t. +44 (0) 20 7067 1831 19
  • 18. Mobile Money Speaker Biographies Abhishek Sinha, Co-founder & CEO, Eko India Financial Services Pvt Ltd See Advisory Board for full profile. Alireza Toloue KalamiToussi, CIO & Jiring Project Manager, MCI 2010- Present – Managing Director of Pardkht-e Avval-e Kish. A Company established by Mobile Communications Company to launch Mobile Financial services in Iran 2007 - 2010 – IT & Billing General Manager of Mobile Communications Company Developing services approach in MCI business portfolio, enhancing customer-care and billing engines, deploying interconnect billing system, and establishing service delivery platforms (PARDISE). 2000 - 2006 – Network Developer Participated in deployment of nation-wide of data communicationnetwork, mediation and customer care Dr. Abdul Malek Al Jaber, Founder and Chairman, MENA Apps. Dr. Abdul Malek Al Jaber has a wealth of experience and a long record of achievements locally and regionally in the Telecommunications industry. Dr. Al Jaber is the Founder and Chairman of MENA Apps the first company to focus on customer relations management, social media and its applications in the modern business as well as the first to introduce Arabic API in the MENA Region. The company exploits the untapped potential area of Arabic content and Applications in the Middle East and North Africa by triggering the innovative ideas of theArab inventors and Entrepreneurs by introducing “Think Digital” concept. MENA Apps is also specialized in Consultancy, Content Market Research,Applications Development, Telecom services, Media Services as well as a multitude of other services related to ICT across the region. Dr. Al Jaber isthe former COO of Zain Group and CEO of Zain Jordan, where he was responsible for a double digit profit growth and for positioning the company as akey regional player in Mobile, Data and Content. Aiaze MITHA, Principal, Amarante Consulting See Advisory Board for full profile. Anirbban Goswami, Senior Manager, Retail Banking Department, Axis Bank Anirbban is a career banker with eight years of experience across a wide range of areas in Retail Banking. He has experience in encompassing routine banking operations, ensuring compliance with statutory banking rules and client servicing & marketing. Anirbban has a master’s degree in Business Administration from Pune University, India. He has worked with some of the leading Indian private sector banks such as HDFC and ICICI, thereby gaining first-hand knowledge in retail banking delivery channels. He joined Axis Bank in 2008 and isresponsible for retail products, including territory mapping, monitoring productivity levels, organizing sales promotions, monitoring competition activityand development of subordinates in a branch scenario. He also looks after the training & development of new joinees to the Bank. Apart from banking,he likes to spend leisure time with family and participates in different sporting events, e.g. the annual Mumbai Marathon. Brad Jones, Director, Mobile Money, Visa Inc. See Advisory Board for full profile. Bryan Maybury, Director, Mobile Financial Services, Roamwear Bryan is responsible for Roamware’s Mobile Financial Services (MFS) business unit. He joined the company in 2009 following Roamware’s acquisition of Macalla Software where he had been a co-founder and shareholder, with responsibility for commercial operations globally. Dan Cohen, Co founder and General Manager, Movilway Mr. Cohen has over 18 years of experience in financial markets in LATAM and USA. He started his career as an FX trader in Citibank Venezuela, and then as a Management Consultant in NY for PWC Consulting, IBM and E&Y for the financial services industry. He specialized in trade and transactional products, where Mr. Cohen spent time advising in strategy and operation to companies such as BofA, PayPal, MasterCard, Citibank and other fortune 500 companies. Mr. Cohen was the COO of Celistics, a large distributor of mobile equipment toLatin America. Since 2009, Dan Cohen is co-founder and General Manager of Movilway, a company specialized in the development of telecom relatedproducts and services with its network across Latin American markets. David Kleiman, Managing Director, S & D Consulting In his current position as Mobile Banking Consultant at Bank of South Pacific (BSP) David is working to expand and enhance existing Mobile Banking services in rural Papua New Guinea. He is laying the groundwork for a network of 3rd party agents, integrated to BSP’s nationwide footprint of eftPOS terminals, to support payments and minimize cash handling in rural and semi-remote areas. Prior to joining BSP, David was at WING , a subsidiary of ANZ, and Cambodia’s first licensed mobile payments service provider. While at WING he filledvarious roles on a consulting basis (including Head of Sales) before being appointed to the relief position of Managing Director. David’s passion forexpanding mobile financial services is built upon a degree in international development and a telecommunications career characterized by advocatingthe adoption of innovative and appropriate technologies in challenging markets. Deepak Chandnani, CEO, Obopay Deepak Chandnani joined Obopay in November 2008 as the President for Asia and Africa regions. During his tenure Deepak successfully led the Obopay team in the development of new partnerships, and the launch and operation of services in new markets which now span three continents; the US, India and Africa. In 2010 Deepak was promoted to the post of Global President and in 2011 he assumed a larger role of Global CEO. In this role, Deepak Chandnani is responsible for spearheading Obopay’s global business operations and key client and partnerrelationships across all markets and geographies. Deepak brings with him 30 years of rich and varied experience which spans across Consumer,Banking and Technology sectors by virtue of having held multiple strategic and leadership roles in several leading blue chip organizations as CEOt. +44 (0) 20 7067 1831 21
  • 19. of Wire and Wireless in India, Managing Director NCR, CEO of Yahoo India, Marketing Director and Head of innovative liability business of Citibank’sSuvidha and General Manager Marketing at Cheseborough Ponds / Hindustan Lever Limited. Djellali Mokhtari, CEO, Aikku As expert in Aikku Associates, Djellali shares his unique experience in the domain of Mobile Financial Services to build sensible and aggressive go-to-market strategies and lead mobile money deployment projects around the world. Since 2006, Djellali has defined and implemented mobile money and payment services in over 25 countries assisting all the industry players. He has acquired a strong expertise on regulatory framework compliance and risk management, through multiple Mobile Money deployments assisting both financialinstitutions and telecom operators. Djellali has an extensive knowledge of mobile money services adding to over 23 years of telecommunication andfinance industry experiences. He has a strong track record in both software and telecommunication promoting new technologies and elaborating newstandards with established corporation as well as start-up companies. Throughout his career he has always demonstrated capacity to innovate withincompanies such as Orange Group, Oberthur, Swapcom, Gemalto as well as regulatory bodies.Eli Hini, Commercial Senior Manager, MTN Mobile Money, MTN, GhanaPrior to joining MTN Ghana two years ago, Eli was the Commercial Director in Banjul, helping the development of Coca Cola operations in Gambia. Before thathe had a chance to start his career in the FMCG industry at Unilever in Ghana where he spent over 8 years in General Management, Channel development, KeyAccounts and Field Sales. Eli was among the small team that has set up the Mobile Money project initiated by the Number 1 mobile operator in Ghana. In hisposition as Senior Commercial Manager, he had to help the “baby” to crawl, then start walking, now running and ready to start flying. Elmer M Malolos (Jojo), Head, Financial Services, Smart Communications, Inc. Philippines See Advisory Board for full profile. Ergi Senger, Product Manager, Mobile Financial Services, Turkcell Ergi Senger has been working as the Product Manager of Turkcell Mobile Wallet in Mobile Finance Business since March 2010. He was the Business Development Director of New Tone Technology Solutions, an R&D Company, shareholded by Sabancı Universtity. His focus was to improve awareness for NFC applications on focused markets including payment solutions, access systems and loyalty applications. He implemented many RFID & NFC applications which include sport clubs, universities, hospitals and factories. Before Turkcell, Ergi Sengerworked for Garanti Payment Sytems in CRM division. He is continuing his PhD education in the field of marketing and he has been attending courses asvisitor lecturer in some universities in the field of management. He is also in the advisory board of Sabancı School of Management. Dr. Francesco Prato, Director of Sales - SIEMENS CMT AUSTRIA Francesco Prato is Director of Sales at the Communications, Media and Technology (CMT) of SIEMENS Austria. Among his responsibilities, Francesco is coordinating Siemens CMT activities to market and identify business opportunities for mobile payment. He is also crucial in identifying strategic relationships and alliances required to build the mobile payment ecosystem in the different regions. Upon graduation from the University of Pisa ( Italy) with a doctor degree in Information Science, Francesco has held several international senior positionsmainly at Siemens and Philips - including U.S.A., Germany, Japan, Italy, and Austria - within the Sales and Marketing organization. During his stay inU.S.A. - Francesco has also obtained a postgraduate degree in Business Administration from the Webster University. Frédéric Schepens, Senior Vice President, BICS Frédéric Schepens joined Belgacom ICS (BICS) on 2 January 1997 and is now Senior Vice President Mobile Financial Services at BICS. BICS delivers best in class global solutions for Voice, Messaging, Roaming, Connectivity and Mobile Financial Services to hundreds of telecommunication providers around the world. In his role of SVP he heads the Mobile Financial Services Division and the HomeSend solution. Frédéric held several management roles within BICS, he founded and managed the companies for Belgacom in the Asia Pacificregion. Since the start of the company Frédéric has led a key role in the unprecedented growth of the company.Hannes van Rensburg, Chief Executive and Founder, Fundamo, a Visa company Hannes van Rensburg is the Chief Executive and Founder of Fundamo. Fundamo is the leading supplier of technology for mobile banking and payment deployments. With clients on four continents, Fundamo technology runs millions of transactions each month. He is also the author of a widely read blog on mobile banking and an active participant in mobile banking conferences. Having launched the first mobile banking solution in 1999, Van Rensburg is often seen as the pioneer of mobile banking. Before Fundamo, Van Rensburg held various executive positions in large financial services companies, as well as being aco-founder of a successful technology start-up – Infomet – which was bought by IBM in 1994. He consulted at some of Africa’s largest corporations,including Banks, Telecommunications Companies and Retailers. Van Rensburg has more than 30 years of systems management experience. Hanney Ishak, CTO, CIT VERiCASH Hanney Ishak is a professional payment consultant with more than 20 years of solid experience serving the payment industry, a patent inventor of the Advanced Token Authentication (ATA) technology; providing a transactional security controlling fraud over both mobile phones and internet channels. Ishak is an awesome trainer and highly qualified payment consultant specialized in banking payment systems, mobile payment, EMV chip cards, chip-based added value applications, integration, SOA, information systems strategy, applicationof advanced technologies, business process improvement, marketing and product development, market entry strategy, delivery strategy, scenarioplanning, workshop facilitation, and communications. Ishak is recognized for his expertise related to the payment standards and banking securitywhich include ISO8583 standards, financial switches operations, card management system, smart card operations, banking channels and middleware,data preparation, the smart card personalization cycle, and EMV specifications together with different payment schemes. His consolidated knowledgeof software security solutions including technologies such as PKI algorithms, symmetric algorithms, key management, smart cards, internet andtransaction security is another PLUS!. Irfan Ali, Head of ‘Vodafone Money Transfer’ (VMT) Distribution Vodafone Qatar’s mobile-money deployment is a major innovation in the Middle East - and one of the first successful deployments of its kind that offers international money remittances as well as other key services direct to the customer’s handset. In the medium term the focus has been to drive increased customer loyalty, acquisition, ARPU and brand preference – and in the long term the plan is to offer a service which can be scaled in the MENA region - to build revenue and create employment opportunities in the region. Irfan leads a team of15, principally focused on acquiring and servicing a distribution network of three outlet types (cash outlets, sign up outlets & merchants), with over 150cash outlets signed up and supporting customers. In addition, he works alongside the wider consumer sales teams to drive demand, promote internalawareness and support the wider-business with deployment in their channels. To date, over 30,000 consumers have been signed up to the service. 22 w.
  • 20. Jacques Voogt, Head of Financial Service, Vodacom Originally Product Manager for M-Commerce services at Vodacom SA in 2003 Jacques Voogt has taken up the position as Head of Financial services at Vodacom Tanzania. The portfolio includes the development and support of mobile banking services (channel), mobile payments and mobile money transfer products and services. In this capacity Jacques has been instrumental in the delivery of the Vodafone M-PESA solution in Tanzania for which he is currently leading the strategic and product development roadmap ensuring theservice maintains its lead within a competitive Tanzanian environment. Jean-Claude Deturche, Senior Vice-President Mobile Financial Services, Gemalto Jean-Claude joined Schlumberger in France in 1990 and headed the software department of the Schlumberger Smart Card division for 5 years. His team pioneered the introduction of Java technology for smart cards. Then, based in Hong-Kong, he took on the position of vice-president marketing and sales for smart cards for Asia where he actively participated in the development of the fast-growing GSM local markets. In 2001, following the acquisition of the IT company Sema by Schlumberger, he became vice-president consulting andservices Asia for the combined entity, SchlumbergerSema. Back to France in 2003, Jean-Claude was appointed vice-president strategic marketing ofSchlumberger Smart Cards. In May 2004, he played a key role in the creation of Axalto and its IPO. Julie Evans – Sustainability Director, Vodafone Group Julie Evans is a graduate engineer with a broad leadership career over a number of industries and disciplines. Having previously led a large CSR initiative for Ford Motor Company Julie joined Vodafone UK in 2004 as Head of Customer Relations and held senior commercial roles as well as most recently heading the Corporate Security team for Vodafone UK. As Vodafone Group Director of Sustainability, Julie’s role is to lead Sustainability across the Vodafone global organisation including both developing countries and mature economies. Her missionis to continue building Vodafone as an ethical company, admired for operating responsibly in all its markets and for providing services and mobiletechnology that enable a more sustainable society. Katia Hilal, Vice President Marketing & Alliances, eServGlobal With about 20 years of experience in the mobile industry, she covered various aspects as the industry evolved, from radio engineering to BSS/OSS, handset embedded applications and Mobile Money services. Katia has previously held management positions at France Telecom/ Orange, Lucent Technologies and Kenan/CSG systems. Katia holds an Engineering degree and a Ph.D. in Telecommunications from Telecom Paris University as well as an MBA from the Open University Business School. Kazi Md. Saiful Alam, General Manager, Regulatory, Grameenphone Kazi Saiful is a very senior executive having more than 13 years experience in Telecom Sector. Currently he is the General Manager and Head of Internal Strategy & Regulatory Compliance in Grameenphone Ltd. the largest Mobile phone Company in Bangladesh. He has been involved and contributed in the development occurred in Policy/Regulation filed of Telecom Sector of Bangladesh for more than a decade as Industry representative. He has leaded many bilateral, Multi-lateral projects in interconnection and known as one of the bestInterconnection experts in Bangladesh. He has been delivering a number of papers in different countries as a regular speaker. Lee Anne Pitcaithly, CEO, WING Cambodia Lee-Anne is currently the CEO for WING Cambodia and has been with the organisation since inception. In fact she was the 5th employee on the ground for WING in Cambodia. Lee-Anne has been instrumental in setting up WING’s Governance Structure and Contract Management Frameworks as well as having been responsible for the development and implementation of HR and Finance business units. Lee-Anne has also spent some time working with ANZ Bank in Cambodia creating designing and implementing a purchasing and contracting framework. Under Lee-Anne’s guidanceWING has expanded their business offerings with real-time bill receipting and bulk payments. Lee-Anne moved to Cambodia from Australia in 2007. Prior to thisshe had been working as a Commercial Manager for Telstra Enterprise and Government in Melbourne where she managed the contractual relationship betweenTelstra and the Victorian State Government.Prior to this Lee-Anne has held various purchasing, contractual and project management roles in PharmaceuticalWholesaling, Gas and Electricity Retailing, and Insurance Brokerage organisations.In addition to her role with WING Lee-Anne is also a Director on the Board ofTiny Toones Cambodia – a local Hip-Hop NGO providing education and expression through music, dance and arts to hundreds of at Risk Youth. Margarete Biallas, Global Lead Retial Payment Institutions & Innovations, IFC Advisory Services – Access to Finance Previously, she managed IFC‘s Access to Finance program in the Mekong and was responsible for financial markets advisory services in Vietnam, Cambodia, and Lao PDR. Prior to joining IFC she worked 10 years for KfW. As Senior Risk Manager with KfW, she led the development of a limit management system for the banks financial markets exposures, and as Credit Officer for Eastern Europe and Asia reviewed all of KfW’s commercial investments in these two regions. Prior to this, Margarete led KfW’s global microfinance funds investmentsand held various positions in the Eastern Europe and Sub-Saharan Africa departments, working on financial markets investments in these regions.Through the staff exchange program, Margarete worked with IFC‘s SME department and financial markets group in Eastern Europe in 2001-2002. Markus Bikker, Senior Product Manager, Vodafone Qatar Manage the Vodafone Money Transfer solution, launch additional remittance partners and develop further product enhancements. Work closely together with stakeholders across the company to ensure a success of this highly strategic product area. Develop a competitive data product portfolio for the newly build company Vodafone Qatar, including Mobile Broadband and BlackBerry for Consumers and Enterprise Customers. Launch and manage the data product portfolio with full commercial responsibility. Key achievements: Launch of Vodafone Money Transfer, astrategic product that offers instant international money remittances from phone to phone. This is a major innovation and one of the first deployments inthe world that offers this feature; Led complete product development and launched Mobile Broadband in Vodafone Qatar for postpay and prepay customers;Gained over 10K prepay and 3K postpay connections within three months after launch (total voice customer base ~500K); Led complete product developmentand launched BlackBerry Service in Qatar which had over 3K customers within three months after launch; Created a new and innovative proposition: MyNumber / Star Number; Numbers proposition generated over 82M QAR (22.5M USD) revenue within the first year after launch. Matthew Talbot, Senior Vice President, mCommerce, Sybase 365 Mr. Talbot joined Sybase in 2004 via the acquisition of Mobile 365, and took on the role of developing Sybase’s new mCommerce initiative in mid-2006. In December 2008, Sybase acquired paybox solutions AG, a market leader in mobile payment solutions to compliment its inhouse mBanking and Remote Payments offering to provide a full end-to-end mobile commerce solution. Prior to his current role, Mr. Talbot held the position of Vice President of Sybase 365 Asia, where he led Sybase to become the leading provider of messaging services in Asiabetween MNOs and Enterprises such as Citibank, Microsoft and Singapore Airlines. Mr. Talbot holds a Bachelor of Business, Bachelor of Arts (Chinese)from Deakin University, and a Graduate Certificate in e -Commerce from Monash University, Australia. Mehdi Khlouf, Co Founder, UnikPay With an ever-evolving knowledge of Banking payments and Telecom services under his belt, Mehdi is a co-founder and CMO of GFT International a leading European company enabling international mobile top-ups and other innovating mobile services under the brand name Mobytop. He is also co-founder of UnikPay (, a payment card program provider based in France, issuing prepaid card acrosst. +44 (0) 20 7067 1831 23
  • 21. Europe. Mehdi says that marketing innovation can leverage viable opportunity to provide basic payment services to the unbanked and underserved marketworldwide. Convinced that model has to be changed to empower consumers’ use, he builds and promotes through Mobytop the “Cash to Services” model,complementing “Cash-to-Cash” remittance service, allowing immigrants living worldwide to top-up instantly the mobile phone of their relatives. He has over8 years experience in sales & marketing strategy in several International Telco companies specifically targeting the ethnic market audience in Europe. Michael Joseph, ex-CEO of Safaricom Limited He has been the CEO since July 2000 when the company was re-launched as a joint-venture between Vodafone UK and Telkom Kenya. Beginning November 2010, Michael retired as CEO and took up a new role as Safaricom’s Strategic Advisor. Currently, he is a member of the Safaricom Board and other Vodafone affiliates. He is also a World Bank Fellow appointed March 2011 to advise Governments, Regulators and other institutions on Mobile Money and other ICT initiatives. Mr Joseph has also led the evolution of Safaricom from atraditional mobile phone company into a totally integrated communications operation with an enviable fixed and mobile data service portfolio forindividual, small business and corporate customers. Today, Safaricom is one of the leading companies in East Africa and the most profitable companyin the region. Neil Ahlsten, New Business Development, Google across Sub-Saharan Africa Neil joined Google in 2007 and has launched new products and partnerships in Ads, YouTube, Android and Mobile Search. Prior to joining Google, Neil managed humanitarian projects in Africa for The World Bank and US Department of State, and was an investment analyst for Parnassus Investments, a pioneer in Socially Responsible Investing. Pascal Di Girolamo, Business Development Director, Mobile Financial Services, Gemalto See advisory board for full profile. Peter Fredell, Chief Executive Officer, Board Member at Seamless Distribution AB Peter Fredell has been associated with SEAMLESS as a Member of the Board since 2009. From March 2011 onwards, Peter joined SEAMLESS as an Executive Director and President and currently isthe CEO and also Member of the Board of Seamless. Peter is currently the largest shareholder in Seamless with 15% of the shares. Peter was one of the first employees at OMX in 1985, when the first marketplace for options in the world was initiated. Today, the world sees Options Markets as natural and there is no major stock exchangein the world without it. But when Mr. Fredell started out in the nineties, it was no less than a journey to moon. The expertise he developed thereafter,led him to share his knowledge with different companies across the globe. His first destination was Switzerland where he became the manager ofoption trades at Bank Leu and occupied himself in starting the Swiss options market SOFFEX. His next stint was with the investment bank BankersTrust in the USA where he worked at senior management level within capital market and corporate finance. Since 1992 Peter Fredell has beenoperating the investment company Fredell and Co AB. Qasif Shahid, Head of Remote Banking & Business Development Executive Vice President, MCB Bank, Pakistan Qasif’s specialization lies in effectively driving change and innovation through the introduction of new services, solutions and products for retail banking customers. He has 15 years of experience in managing, building and growing payment businesses, deposit access plastics, introducing new-age banking channels, forging cross-industry alliances and developing winning partnerships with payment associations, technology solution providers, outsourcing entities and the regulators. MCB is the most profitable and one of the largest banks in Pakistan.Qasif currently heads the Remote Banking and Business Development function for the bank. He has been associated with MCB since June 2008.Ramez Younan, Chief Executive Officer, Orga Systems.In his position as CEO he is leading the globalization and reach of the company’s innovation, products and services. Ramez grew Orga Systems’presence to 50+ countries as well as re-established local, extended Orga Systems’ reach to Asia, Middle East and Africa and established regionaldelivery and support centers around the globe. Prior to Orga Systems, Ramez was a senior executive at Oracle Corporation where he ran globalorganizations advancing BSS and OSS solutions at Telecommunication providers in over 45 countries worldwide. Sammy Tuffaha, Head of Mobile Commerce , Orange Jordan Over 18 years of Management, Consulting, Marketing, and Telecommunication experience at top global industry players including IBM Corp, AT&T Global Networks, and Orange Telecom. Established, coordinated, and deployed mobile banking and mobile payment services with various aspects including technical, legal, regulatory, distribution, and business plan. Scott Lowe, Business Development Director, eLeader Scott is Business Development Director at mobile finance solutions vendor eLeader. Scott has held a range of positions in companies from Internet start-ups to large corporations such as ICL Fujitsu and Reuters. His experience covers major ICT projects for organisations including Credit Suisse First Boston and UK central government departments. Snehar Shah, Head of Orange Money, Telkom Kenya Snehar has had fifteen years experience in the Telecoms and Banking Industry, having started since the launch of Orange in the UK with roles in Strategy, Finance and Equity Research. He was posted as Deputy Chief Financial Officer to Kenya three years ago when Orange acquired a majority shareholding of Telkom Kenya. Last year, since the appointment as Head of Orange Money, Snehar has successfully launched Orange Money in Kenya with a rich and differentiated product offering for this market. The product will soon be expanded toother markets in East Africa. Snehar holds a degree in Electrical and Electronic Engineering (BEng) from Imperial College, London and is a qualifiedChartered Accountant (ACA) and Chartered Financial Analyst (CFA). Vincent Kadar, CEO, Telepin Software Vincent has more than 16 years of executive experience in software technology companies for wireless and telecom networks. Prior to his role with Telepn, Vincent was founder and CTO at Airwide Solutions, a leading provider of mobile messaging infrastructure. Mr. Kadar has also served as Director of Wireless Technology at InfoSpace Inc, and in senior technology positions at CrossKeys Systems and Accenture. Vincent frequently presents at industry conferences and has been published in leading magazines. 24 w.
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  • 24. Mobile Money Sponsors and ExhibitorsOperator Partners Telenor Group is one of the leading mobile operators in the world, with 120 million mobile subscriptions*. We have mobile operations in 11 markets, as well as a stake of 31.67 per cent in VimpelCom Ltd., operating in 20 additional markets. Telenor Group provides tele, data and media services in the Nordics, Central and Eastern Europe and Asia. Our main revenues come from our mobile operations, making us one of the world’s major mobile operators: 120 million mobile subscriptions worldwide* ; Mobile operations in 11 markets, with an additional 20 markets through VimpelCom Ltd.; Grown from 15 million to 120 million mobile subscriptions in less than 10 years. Vodafone is one of the world’s largest mobile communications companies by revenue with approximately 371 million customers in controlled and jointly controlled markets as at 31 March 2011. Vodafone has equity interests in over 30 countries across five continents and more than 40 partner networks worldwide. Vodafone serves a broad range of customers from individuals on prepaid or contract price plans, to enterprise customers ranging from small businesses to larger domestic and multinational companies. We see significant opportunities for our services in the areas of health, financial services, agriculture and food distribution, particularly in the emerging markets which are at the heart of our strategy for business growth. For more information, please visit www.vodafone.comPlatinum Sponsor Established in 1989, ProgressSoft has been focusing its proficiency in Real-time Payments and Imaging technologies to deliver a set of innovative solutions tailored for the needs of the banking and financial sectors. Serving a diversified client base of 140+ banks in 22 countries around the globe, ProgressSoft provides solutions in the fields of Electronic Image-based Check Clearing, Mobile Payments, Automated Clearing House, Intelligent Signature Recognition andReal-time Settlement for Securities Trading. Upon providing the region’s first signature verification system, ProgressSoft has pioneered the world’sfirst Electronic Image-based Check Clearing solution PS-ECC; an unprecedented breakthrough in the payments field that actualized truncation ofchecks from the branch level. www.progressoft.comGold Sponsors Comviva is the global leader in providing mobile solutions beyond VAS. With an extensive portfolio of products and solutions that encompass content, commerce and community-related offerings, Comviva enables operators to offerservices that enrich mobile users’ lives. Comviva enhances operator efficiencies and revenue performance by adding value at every stage of thecustomer lifecycle - from prepaid subscription and etop-up to customer care, and from real-time promotions and loyalty management to billingsolutions. Comviva has extensive expertise in delivering and managing mobile solutions that extend beyond VAS, powering solutions to mobileoperators in more than 85 countries worldwide and reaching over 600 million subscribers globally. For more information, visit Founded in 2005, Obopay INC.( offers partner branded mobile money technology and services that transform any mobile phone into a convenient and easy way to send and receive money, get paid or pay small businesses, top-up accounts, buy via mobile and pay bills. Obopay’s mobile money services address the needs of consumers and businesses around the world by providing a service that delivers value, empowers lives, and improves opportunity for merchants. Obopay believes the power is in the network and has established partnerships that include Nokia, MasterCard,AT&T, Verizon, Essar, Union Bank of India, Yes Bank in India, Blackberry and Societe Generale. The company’s offering enables partner brandedmobile money services that financial services and mobile partners can implement quickly at low deployment cost. Obopay has corporateheadquarters in Redwood City, CA and in Mumbai, India. Seamless is specialized in solutions for Mobile Money and prepaid e-Top Up. The MolletTM is a consumer friendly Mobile Wallet for transfer of money and mobile payments. The software platform tohost The MolletTM is the industry recognized ERS 360˚, a scalable and versatile hub that seamlessly connects all entities in a mobile money eco-system. For Top Up, the ERS 360° hosts modules for distribution through retail chains, banks, street resellers etc. Seamless provides point-of-saleoptions for Top Up as well as cash withdrawal and deposit.Seamless has deployed solutions for 40 operators in 18 countries across 4 continents. Siemens Communications, Media and Technology is the global partner for communication demands within a broad range of market segments. We are a Siemens unit located in CEE, Germany, India, and China. Our presence in emerging andmature markets, together with a powerful network of partners, provides a strong basis for our activities all over the world.Siemens Communications, Media and Technology has longstanding expertise in driving communication-related subjects in different industries. Ourwell-proven skills and high reliability in managing complex projects are available at many locations around the globe. Our customers can rely ongetting turnkey solutions that are based on unique combinations of best-in-class products, services, and project expertise, and benefit from flexibleand efficient business models and processes.walletXpress, our comprehensive recharging and mobile payment solution, offers subscribers a convenient and secure shopping experience -anytime and anywhere. walletXpress meets current and future requirements: it can be integrated and managed easily and is absolutely reliable andsecure. And what is more, it has a proven track record of successful implementations all over the world.Living the Siemens values, we always deliver on our promises, creating sustainable values through our +44 (0) 20 7067 1831 27
  • 25. Silver Sponsors eLeader is one of the world’s top mobile innovators in the smartphone software market. Today eLeader’s pioneering enterprise solutions for smartphones are used by Fortune 500 companies in over 30 countries worldwide. eLeader’s range of state-of-the-art products includes scalable and flexible solutions covering next generation Mobile Finance (m-banking, m-currency trading, m-stock exchange, m- authorization token), Retail Sales Force Automation (Retail SFA), Field Force Management (FFM), Mobile Business Process Management (m-BPM) and other areas for the fastgrowing smartphone market. The company has a deep level of experience in development for a wide range of mobile device platforms, includingAndroid, iOS/iPhone, Symbian, Windows Phone, Windows Mobile, RIM Blackberry, Bada, Java and others. Gemalto is the leader in digital security with pro forma 2007 annual revenues of over €1.6 billion, more than 85 offices in 40 countries and about 10,000 employees including 1,300 R&D engineers. In a world where the digital revolution is increasingly transforming our lives, Gemalto’s solutions are designed to make personal digital interactions more convenient, secure and enjoyable. Gemalto provides end-to-end digital security solutions, from the development of software applications through designand production of secure personal devices such as smart cards, SIMs, e-passports, and tokens to the deployment of managed services for itscustomersMore than a billion people worldwide use the company’s products and services for telecommunications, financial services, e-government,identity management, multimedia content, digital rights management, IT security, mass transit and many other applications. Orga Systems’ convergent real-time charging and billing portfolio enables profitable business for Telecommunication Companies, Mobile Finance Institutions and Energy Suppliers.Orga Systems’ products and consulting services are designed for living in a connected world: scalable architecture, outstanding performance, lowest rating latency and consequent customer-centricity ensure reliable access to any kind of next generation mobile services. Worldwide 40+ customers, serving 350+ M subscribers, rely on Orga Systems and achieve competitive advantages intheir industry: reduced OPEX, real time-to-market, short-termed ROI as well as beneficial access to new value chains and revenue streams. Sybase 365, a subsidiary of Sybase, Inc. (NYSE: SY), is the global leader in enabling mobile information services for mobile operators, financial institutions and enterprises. We provide our customers with the widest offering in SMS, MMS, GRX, IPX interoperability, end-to-end mobile commerce solutions, innovative mCRM, mobile marketing and content delivery services. Sybase 365 processes more than 1.4 billion messages per day, reaching over 850 operators and 4 billion subscribers around the world. For more information, visit: Read our blogs: Telepin Software is a leading provider of mobile financial platforms, delivering mobile operators the most efficient and cost-effective way to control their distribution network, maximize revenues from mobile financial services, and drive innovative mobile financial applications. Telepin’s Cayman Application Platform enables a full suite of electronic, transaction-based applications for mobile subscribers to recharge their mobile airtime without the use of physical cards or vouchers, facilitate P2P money transfers, allow for electronic bill payments, and more, using multiple channel interfaces. For more information visit Sponsors eServGlobal specializes in Mobile Money solutions and Value-Added Services (VAS), to help Telco Service Providers increase their revenue and gain and maintain customer ownership. More than 60 customers in over 45 countries use our capabilities to lead and innovate in their local markets and leverage their core assets. With 14 offices globally, eServGlobal provides full “end-to-end” and “any account to any account” Mobile Financial Services and InternationalMoney Transfers in multiple licensing alternatives. Our Value-Added Services in promotions, loyalty, messaging and multiplay enable serviceproviders to engage with the subscriber in a personalized and dynamic manner. More information at: MoreMagic Solutions, Inc. is a leading global provider of mobile commerce and financial services solutions. Our leading-edge technology has led to the development of MagicHubTM, a global mobile commerce and financial services hub that brings mobile operators, financial institutions, retail distributors, NGOs and others together with MagicSuiteTM, the industry’s most comprehensive suite of innovative applications and services to enable the transfer of value within and across national borders in multiple, convenient and inexpensive ways. With MoreMagic, all connected businessescan introduce new products and services, reduce time to market, increase revenues and better serve the needs of their customers. MoreMagic’sglobal network already includes over 120 mobile operators in more than 60 countries and over 150,000 retail distribution agents worldwide. Foundedin 2000, MoreMagic is headquartered in Boston, MA, with offices in New Delhi and Abu Dhabi. Movilway is one of the leading electronic payment distribution platforms in Latin America. Since 2010, Movilway’s initial strategy has focused on leveraging its network and alliances in the Latin American wireless arena, quickly establishing itself in the prepaid airtime marketplace. Movilway now operates across 10 countries in LATAM and hasover 65,000 direct points-of-sale in high growth markets such as Mexico, Argentina, Chile and Colombia. Movilway’s broad footprint facilitatesregional agreements with service providers and operators raising service standards. Movilway is deploying its robust and comprehensive network ofdirect points-of-sale to offer more products and services in more countries.MoreMagic Solutions. More information at: www.movilway.comBrand Sponsor In today’s world, you have potential customers all across the globe. Former residents of your country living abroad need to communicate and provide financial support to friends and families back home. IDT enables you to open new markets and improve ARPU with an unmatched portfolio that includes cross-border mobile top-up, international mobile money remittance services and prepaid phone cards. By partnering with IDT, together we can leverage our distribution network and your brand to reach new customers all over the world. To explore how we can partner together, please email us at 28 w.
  • 26. With over 15 million terminals deployed in more than 125 countries, Ingenico is a leading provider of payment solutions. Its 3,000 employees worldwide support retailers, banks and service providers to optimize and secure their electronic payments solutions, develop their offer of services and increase their point of sales revenue. An « One Stop Shop » offer of secure transaction solutioncomplete and inclusive. Ingenico is the partner of choice for financial institutions, banks, major retailers and single shop outlets worldwide. Ingenicoprovides retail and single outlet operators with a “One Stop Shop” offer of secure transaction solutions. Mobytop is an international mobile top-up service developed by GFT GmbH, a German payment service provider. Our aim is to provide innovative and cutting-edge service to transfer instantly lower value transactions like international top-up, mobile voucher, or utility bills payments. Mobytop allows immigrant communities to support their families living in their home country reloading their mobile phone instantly and simply through Web, IVR,Mobile, SMS or POS channel. Mobytop cover over 70 countries and 200 mobile operators interconnected to its international platform. GFT GmbHprovides a new complement service on the mobile money transfer ecosystem through its global hub integrating mobile operator and distributors. Pin-Pay’s Vision: To set the mobile payment standards by providing financial services to mobile users. Pin-Pay’s Mission Statement: Pin-Pay’s goal is to provide secure, convenient and reliable financial services to all mobile users using cutting edge technology by transforming any mobile handset into a payment tool. Pin-Pay SAL is a technology company founded in July 2008 providing mobile payment and mobile banking solutions via a state-of-the-art platform. Pin-Pay has developed a telco-free operating model that integrates our platform with the Banks’ core systems thus allowing our users pay remotely to anyone,anytime and anywhere. Our platform is: Highly Flexible; Highly Scalable. All transactions are encrypted using the highest standards of encryptionmaking each transaction 100% safe and secure Sicap is one of the world’s leading providers of mobile software solutions. Sicap’s technology and complementary portfolio, including Micropayment Processing, empower mobile operators to deliver a superior end-user experience, while maximising revenue streams and reducing operating costs. These solutions are used by 120 customers in over 75 countries worldwide, serving 835 million subscribers. Visit CIT VERiCASH provides innovative mobile money solutions for both banked and unbanked populations supporting basic and advanced financial services. Introducing the new concept of Multi-Wallet offering variety of collaborative business models to facilitate all the echo-system stakeholders by providing variety of solutions servicing the end users. CIT VERiCASH solution has been developed via state-of-the-art technology providing end-to-end security supportingadvanced solutions such as cardless ATM/POS transaction, mobile billing, and advanced agent registration. VERiCASH is the mobile money paymentdivision of CIT Global; the company has established a strong track record in software package for electronic payment and mobile solutions. CITGlobal has setup a comprehensive offering to provide mobile financial services to unbanked population as well as enhancing customer experiencefor existing mature market.USB Sponsor MoneyGram International, a leading money transfer company, enables consumers who are not fully served by traditional financial institutions to meet their financial needs. MoneyGram offers bill payment services in the United States and money transfer services worldwide through a global network of more than 233,000 agent locations--including retailers, international post offices and financial institutions--in more than 191 countries and territories. To learn more about moneytransfer or bill payment at an agent location or online, please visit or connect with us on Facebook.Exhibitors Aikku is an international consulting firm specialized in mobile financial services and regulatory aspects within all the spectrum of services around these initiatives. Aikku’s consultants leverage their experience from their extensiveinvolvement advising and assisting Telecom Operators, Banks, Micro-Finance Institutions and Service Providers at a.ll stages of their activities, fromconception and elaboration to negotiation and implementation.Our combined diverse cultural, educational and professional backgrounds meet the challenges of a global market approach. Additionally, ourworldwide network of colleagues and partners provides a unique combination of local and international skills and knowledge covering an extensivearray of mobile financial expertise. Businesswise (B-Wise) is one the leading m-commerce companies in Latin America. It specializes in bringing turnkey solutions to the major MNOs, retailers and financial institutions, not only providing them with technology but also with the creation, integration and management of a network of agents either for airtime reselling or m-commerce services.B-Wise integrates and manages more than 50 thousand agents for operators such as Telefonica and Claro. With its suite of software products(Smart-m-Commerce, Smart-m-Loyalty, Smart-m-Banking, Smart-m-Wallet and Smart M-Pos), B-Wise is able to adapt to any market condition,bringing innovative solutions for MNO’s, Financial Institutions and retailers. EastNets is a leading provider of global compliance and payment solutions and services with over 1,000 customers in 120 countries. EastNets provides anti-money laundering (AML), anti-fraud, payment and transaction management solutions, and SWIFT plug-ins to add value to SWIFT connectivity for improved risk protection, transparency and costcontrols. Through its fully-managed SWIFT Service Bureau, EastNets provides SWIFTNet connectivity and add-on services for over 200 financialinstitutions. EastNets is headquartered in Dubai with 16 offices across Continental Europe, North America, Asia-Pacific and the Middle East. Estel Technologies provides innovative software technology & services to Telecom Operators, Banks & their Service Providers, with a special focus on Asia, Africa, Middle East & CIS countries. Our headquarters & the main development cum delivery center is located in India, with sales offices in South Asia, Dubai & Africa. Our Mobile Commerce Suite enables the following services: Mobile Remittances: money transfer using mobiles; Micro Banking: branchless banking for the un- banked (via mobile wallets); Salary disbursements into subscriber mobile wallets; Mobile Payments; Mobile Banking; e-voucher, e-top up; Balance Transfer & Emergency Credit.t. +44 (0) 20 7067 1831 29
  • 27. Giesecke & Devrient is a leading global technology group that has been committed to the key concepts of security, innovation, and trust since it was founded in 1852. We are your one-stop shop for secure applications. Our complete portfolio of secure elements for mobile communication, payment identification and accesstogether with our software and services for managing the entire lifecycle of secure elements, devices and applications turn the diversity of SIMs anddevices into your advantage. Our technology reaches over 1.5 billion subscribers and more than 200 mobile networks worldwide rely on ourtechnology for solutions including SIM based dynamic roaming steering, terminal configuration, SIM lifecycle management and value added servicesmanagement. GFG Group is an innovative provider of consumer electronic payments software to Mobile Network Operators (MNO’s) and banks. GFG’s key solutions include card management and mobile payment solutions. GFG has provided applications and systems integration to customers in more than 20 countries and more than 140 million consumers have access to GFG Group applications. GFG launches new payment products up to 55% faster, with operational cost savings of up to 70 percent. This combination ofgreater speed to market and lower operational costs gives GFG Group customers a measurably faster return on investment. Infobip is a global telecommunications specialist providing a mobile services cloud for enterprises and mobile operators. Infobip provides corporate entities, financial institutions and network operators worldwide with carrier-grade SMS, LBS, USSD and HLR number lookup solutions. All our solutions and services are designed and developed in-house by our team of highlyskilled and motivated industry specialists offering you the benefit of years of experience coupled with unrivalled flexibility and reliability. As an activestakeholder in the telecoms industry, Infobip is an Associate Member of the GSM Association and Mobey Forum. We power your mobile world. Your search for EXCELLENCE in Mobile Banking ends at MODE FINSERVER. MODE FINSERVER is a Mobile banking and mobile payment solutions provider headquartered in Bangalore (India) with offices in Middle East and Africa. MODE Finserver offers mobile, web and real time enterprise solutions across the globe. MODE Finserver core solution offering includes:• Mobile Banking, Agency Banking, Branchless Banking for Banks• Mobile Wallet, Mobile Money, Virtual Money Account Solution for Telecom Operators• Mobile Payment, Mobile Commerce, Mobile Remittance Solution for Financial Service ProvidersMODE FINSERVER is involved in orchestrating some of the best mobile financial services like EAZZY247 (Equity Bank Multi Country), Iko Paisa(Orange Telecom), Zain Wallet (Zain Telecom) to name a few and the numbers are still growing. With a dedicated team of professionals and industryleading associations with Samsung, Blackberry, Android, Qt, iOS etc we are sure that we can relinquish your thrust for a award winning mobilefinancial tool. Come Let’s Talk. Money on Demand - Your MODE of Payment. MobiPay Technologies Limited (MTL) was founded in Nicosia, Cyprus in 2009. MTL is a Development & Marketing company with primary focus on using Mobile Technology as an additional channel of communication in the financial world. This initiative was developed by pooling our extensive expertise in Financial Services and Technology Development driven by the need for financial delivery tools in developing markets.MobiPay Technologies Limited (MTL) management team is a highly experienced and dynamic team, committed to implementing effective solutions.Our team’s experience covers the areas of Finance, Banking, Technology Development, Regulation, Advocacy and System Analysis and Testing. Oberthur Technologies is a world leader in the field of secure technologies: systems development, solutions and services for smart cards (payment cards, SIM cards, access cards, NFC…) and for secure identity documents, traditional and electronic (identity card, passport, health care card), production of banknotes, cheques and other fiduciary documents, intelligent systems to secure cash-in-transit and ATM. Oberthur Technologies has 6,800 employees through 40 countries and 65 sites. The Group posted 2010 sales of €979M. Website Oracle is the world’s most complete, open, and integrated business software and hardware systems company. With more than 370,000 customers — including 100 of the Fortune 100 — in more than 145 countries around the globe, Oracle is the only vendor able to offer a complete technology stack in which every layer is engineered to work together as a single system. Oracle’sindustry-leading products give customers unmatched benefits including, increased productivity, scalability, efficiency, powerful performance, and low totalcost of ownership. The powerful combination of complete solutions and complete choice drive better business performance and help customers tailor theirenterprise business and IT strategy, optimize their IT investments and use IT as a strategic point of differentiation. For more information, visit Orion Payment Networks develops solutions for Branchless Banking and Mobile Money for Banks and Mobile Network Operators (MNOs) across the world. Our flagship product, Orion Enterprise Platform has been deployed and tested in scenarios including, Agent led Branchless Banking, Mobile Money, G2P payments, Bill payments gateways and merchant payments. Orion enterprise platform is the only mobile financial services solution designed from the ground up to deliver Agent-led branchless banking and mobile moneysolutions which enables the delivery of innovative financial services through multiple delivery channels (Mobile, Web, ATMs, POS). Orion integrates into thetechnology systems landscape of Banks including Core Banking systems, AML and Risk & Compliance solutions while for MNOs, Orion integrates withJ2ME handsets, SMS, USSD and other mobile delivery channels.For more information, visit: Roamware’s Macalla Platform enables easy access to the following mobile financial services both nationally and internationally: Mobile Remittances - transfer cash directly from one mobile to another; Mobile Wallet - provision of banking services to those without bank accounts; Bill Payment - subscribers can pay bills and agents can offer bill payment services;Mobile Banking - subscribers can access banking transactions via mobile; Mobile Top-Up - recharge call credit, from mobile phones, either directly or byagent; GATE - hub for P2P national and international airtime transfer. Each service can be implemented to be carried out either directly by the end-user orvia an agent or merchant. 30 w.
  • 28. TAGATTITUDE specializes in mobile payment and security technologies. Tagattitude’s patented NSDTTM (Near Sound Data Transfer) technology enables the instant use of ALL phones worldwide as payment tools and authentication devices: all handsets, all networks, no downloads, period. NSDTTM uses the phone’s audio channel to transmit secure transaction data.In 2008, Tagattitude released TAGPAY, a complete mobile micro-banking platform powered by NSDTTM. TagPay includes proximity and remote mobilepayment services such as in-store or online merchant payment, money transfer, and more. TagPay enables banks, payment service providers, and MNOsto offer accessible and secure financial services to anyone with a phone. TransferTo is a Global Airtime Remittance Hub that interconnects mobile operators prepaid systems to deliver end to end cross border top-up services. TransferTo is the only fast, convenient and reliable solution enabling the transfer of small amounts of value in the form of prepaid mobile credits, the ideal low cost, high value complement to cash remittances. TransferTo has been designed for migrants and travellers, who can now remotely recharge the prepaid phones of their loved ones back home fromtheir mobile phones, the Internet or at a retail location. TransferTo is a must have Value Added Service for Mobile Network Operators, Retailers, MoneyTransfer Operators and Financial Institutions targeting the ethnic market segment. With a global reach over five continents, TransferTo is the leader ininternational prepaid airtime remittances, and enables real time prepaid top-up transfers to over 250 partner Mobile Network Operators in over 80countries. TransferTo is part of Ingenico (Euronext: FR0000125346 - ING) the world’s leading provider of payment solutions, with over 15 million terminalsdeployed in more than 125 countries. Its 3,000 employees worldwide support retailers, banks and service providers to optimize and secure their electronicpayments solutions, develop their offer of services and increase their point of sales revenue.For more information, please visit the following website: or Founded in 2010, Viamobile is a service provider of mobile payment and banking solutions which can be used by financial institutions, mobile operators, e-commerce providers and merchants. Viamobile provides end-to-end managed solutions for itscustomers and partners, ensuring continuous innovation, high level of security, and support. Beyond the technology, Viamobile has been successful inputting together Mobile Payment Managed Services which gives a comprehensive financial stand point to its end users. In less than a year, the applicationwas launched with a different number of banking payment services, but most importantly through flexible and fast integration with key commercialpartners. Viamobile is a privately held company, located in Beirut, Lebanon. Specialties: Mobile Banking, Mobile Payment. Wirecard AG is a leading international provider of electronic payment solutions. Our product portfolio spans payment processing, fraud protection/risk management and issuing solutions for merchants, telecommunications network operators and financial institutions worldwide, including innovative acquiring and issuing technologies in consumer finance, loyalty andcontactless card and mobile payments. Worldwide, Wirecard supports over 12,000 companies from a wide range of industries ranging from Orange andT-Mobile, to Turkish and Malaysian Airlines, to Microsoft and QVC. Wirecard has offices throughout Europe, the Middle East, Asia and North America and islisted on the Prime Standard of Deutsche Boerse in Frankfurt.Mobile Money Supporting Associations and Media PartnersAssociate Partner Supporting AssociationsMedia Partnerst. +44 (0) 20 7067 1831 31
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  • 30. Mobile Money Explained: Vodafone drives Mobile Lifeline services Interview with Matthew Kirk, Sonum: In what sort of time scale do you think we could expect to see the full effects of such services? Group External Affairs Director, Matthew: I can’t put a time scale on the full effects because at each stage of at Vodafone development, people come up with new innovations, and this is one of the exciting features of this technology. So I hope you never see the full effects, because we Sonum Puri, Event Director for Mobile Money want to keep innovating and improving services! Inevitably it takes time to get a Global Summit, part of the Connected World system from an idea into something that is used by a large number of people, but Forum, recently spoke to Matthew Kirk, Group I hope there will be a relatively short time until we start to see how the positive External Affairs Director at Vodafone on his impacts could be delivered. However getting to a point where a large number of thoughts on mobile lifeline services such as mo- people have learnt new ways of doing things and new uses of technology are put bile money, mobile education and mobile health in place, made robust and linked into other systems e.g. power supplies, logistics, and the impact of these services in emerging railways, and all the rest of it, well that could take a number of years... yet, I don’t economies. find this discouraging, in that I think lots of benefits could be shown quickly if you continue to build and connect, but you need to take the community with you, as you Mobile Money Global Summit is part of the Con- go along, rather than taking one enormous step. nected World Forum... a unique event that will show you how to launch and scale ‘mobile lifeline Sonum: Has the success of M-PESA particularly in Kenya and Tanzania, provedservices.’ Mobile Money. Health. Education. Agriculture. the case for further Mobile Lifeline products and services?Here is what Matthew had to say... Matthew: Definitely, not just M-PESA, but also other innovations have undoubt- edly shown that people are willing to trust their mobile phones for more than justSonum: Vodafone Group are responsible for the most well known and commercially basic communication, and as the technology we put into their hands becomes moresuccessful Mobile Money program, M-PESA. Rewinding 5-10 years, what was the sophisticated; the price of smart phones comes down (not just the high end onesmotivation and inspiration for launching the service? but more basic ones that give internet access); and networks improve, internetMatthew Kirk: M-PESA came out of a number of factors; one obviously was the access gets better – the range of services you can offer with a handheld devicespread of access to communications through mobile technology. We did a lot of will become greater and will feed new innovation and business models. In Ghanawork at the time looking at the social impact of mobile- how people would use the we are working with the Worldwide Web Foundation which is supporting internettechnology and how it would enable them to improve their lives and their economic entrepreneurship, fuelling opportunity for people to create new business throughopportunities. Naturally, this pointed towards one of the adjacent areas which is developing locally and relevant services and content for communities in their ownalso a major enabler of economic opportunity, which is the handling of money and country and region, which requires a combination of entrepreneurial spirit and athe access to basic banking type services.What we could see at an early stage was certain skill set. So, it’s really a platform that can take lots of different directionsthat mobile technology could penetrate a much larger proportion of the popula- and M-PESA is a good example because it would not work, operating only for ation than banking servic es and if you could somehow therefore, pull together at small group of people, its served the specific needs for a large volume of peopleleast the cash transfer side of what most people in the developed world do through and delivered huge value.banks and similar institutions and enable that through the mobile, then you would Sonum: Do you think that services such as Mobile Money and Mobile Health candeliver a significant enabler of opportunity. I think it relied on the fact that within be successful in developed as well as emerging markets?the mobile phone, through the way in which the SIM card operates on the network,you can achieve a high level of certainty around the identity of the recipient and Matthew: There are good examples in developed markets, but in terms of mobilesender. And so that critical element within the financial institution relationship was money, the demand gap has not been as great in the developed markets. You havesomething that with the right development and right technology would be some- large networks of ATMs and internet banking and so forth, so the ability to accessthing relatively simple to replicate on the mobile platform. However, nobody knew if basic financial services is already well spread and well available. The demandthere would be demand for it and so we set up a pilot project to see to what extent gap of mobile provision is much smaller, but still there are a number of initiativeswe could prove; a. the technology and b. the customer desire for the service. The pushing into this area. Healthcare is a huge opportunity and if you take the rightspeed of take-up of handling money in Kenya (bearing in mind that mobile in Kenya approach in mobile healthcare, you can make the delivery system both more ef-was still a very much new technology platform for communications) was much ficient and more personalised to meet the needs of an individual. Also, in developedgreater than we or anyone had anticipated. That really showed us just how strong a countries, big systems are in place for healthcare delivery which makes thingsneed this type of service was fulfilling. more complex and slower and the demand gap is lower. Innovation is happening in developed markets but the impact is always much more striking in emergingSonum: Can you define the term Mobile Lifeline services for any of our readers to markets and that’s why you hear more about those stories.whom it may be unfamiliar? Sonum: Vodafone provide a number of Mobile Health solutions - what are youMatthew: I wouldn’t say that this is really a defined term, but rather one, that has doing to ensure that customers and patients are educated on the usability, securitybeen used in parts of our company to describe a number of types of services. Es- and convenience of these services?sentially these are services adjacent to the basic communications such as voice,text and so forth, that you would expect to have on your mobile phone. Through the Matthew: I think as with mobile money, mobile education and agriculture, a mobileubiquity of the platform, the user has access to other forms of service which have phone company can’t do it alone, and one of the important lessons we have learntstrong social or economic values for them. from the adjacent areas is to build cross sector partnerships, as you can only de- liver the result which is of value to the patient if they already fit into the healthcareSonum: Mobile Money, Mobile Education and Mobile Health seem to be obvious operating system: what weexamples of Mobile Lifeline services; would you agree that agriculture is also a are seeing is the solution actually powered or enabled by the mobile. Now, M-PESAtype of Mobile Lifeline service? is interesting because it was largely done by us but we needed a banking partner.Matthew: Yes very much so, I think education and healthcare are very obvious areas The business model will depend on the regulatory regime and banks can have abut we are also looking at agriculture and other parts of the economy. Agriculture more prominent role to play e.g. in India. So, I think that the first step is to createis important because of the proportion of the population engaged in agriculture in cross sector partnerships and gather together the different strands to provide newemerging economies. One of the striking features of agriculture is that the basic in- approaches to offering the services to the customer and then it becomes aboutformation that you would be accustomed to finding without much difficulty in North attracting new customers. The next step is to involve the mobile phone company orAmerica and Europe, simply exist in the same way in Africa or India, which makes another stakeholder, depending on who would be better placed in the value chainit that much more difficult to bring improvements in systems that create new op- to take on the responsibility of usability, security and convenience, but this is likelyportunities. .And so, there is a function of collection of information and then a function to vary case by case.of dissemination of information in a form that is useful and timely to people. This Sonum: Have Vodafone seen any specific political support for Mobile Lifelinein turn enables them to manage agricultural operations and logistic supply much services and if not, how important is it to engage governments in order to drivebetter so as producers and farmers, they can then feed into the purchasing systems adoption?in an efficient and timely manner. So, there are a bundle of things that you can doof that kind: if you add on a payment service you make it possible for agriculture Matthew: Oh, very important and we received plenty of political support from donorcomponents to not just be a provision of information but also transactional. countries and NGOs. The development of M-PESA was partially funded by DFID in the UK, and lots of good support is coming from governments in emerging marketsSonum: What impact can Mobile Lifeline services have on the lives of under- which is important as you often find the regulatory or fiscal framework in a country,served people in emerging economies? unintentionally, puts barriers in providing services in new ways. It’s important toMatthew: Well I think the impact could be significant and it should allow them get engagement with governments and political society to help people understandto develop the way in which they are conducting their economic activity far more the benefits that can be delivered and allow debate on how the fiscal or regulatoryrapidly than if you were simply relying on the normal evolution and development regimes need to evolve to bring about the right effects.of an economic system to happen. So we will be able to short circuit the normal Got a question for Vodafone? Come join Vodafone experts on conference day oneinnovation cycle and disseminate the effects quickly, bringing benefit not only to and two. See pages 12-15.producers but also to others in the agricultural economies and food and productioneconomies in emerging marketst. +44 (0) 20 7067 1831 33
  • 31. Is she depositing cash,paying her gas bill or sendingmoney to her family?With eServGlobal’s end-to-endMobile Money solutions she could be doingall these things and more. Any amount. Anytime. Anywhere. Providing secure mobile financial solutions.
  • 32. Mobile Money Explained: Turkcell is the largest MNO in Turkey and the firstoperator to launch an approved TSM NFC solution by MasterCard in Europe Interview with Ergi Sener, Product integrate contactless services and be scaled across current and emerging mobile payments and mobile devices, accommodating the needs of a heterogenous con- Manager, Mobile Financial Services, sumer base. Our aim is to create a service which provides best in class usability and flexibility to integrate future value added services into the mobile wallet. Turkcell As mentioned, there is a high appetite for mobile payments in Turkey. Furthermore, Ergi Sener, who heads up NFC applications for Turkcell, gets mobility can also provide so many advantages for the customers in terms of pay- beneath the hype to provide a real insight into the appetite for ment, that can also increase the interest and penetration. Our approach to the mo- NFC as well as the critical success factors that will lead to bile wallet is a connected wallet so that details about the applications in the wallet widespread adoption and acceptance. can be learnt quickly and then the applications can be used in a more efficient way. We also want to present an easy to use and practical user experience, in which Turkcell is the largest MNO in Turkey and the first operator payment and value added services, such as location-based campaigns, additionalto launch an approved TSM NFC solution by MasterCard in Europe. Turkcell is the loyalty points during payment and direct campaign offerings, are integrated. The UIalso first GSM operator in the world to represent more than one bank application was developed in a way that all the processes are analysed through the custom-on its mobile wallet service, Cep-T Cüzdan. ers’ eyes. These facts combined with Turkcell’s vision that NFC will be one of theHere is what he had to say. major means of payments for all other contactless transactions, brought about theSonum: What steps did Turkcell need to take in order to launch NFC payments in inevitable service launch for Turkcell.Turkey? Sonum: What will be the main use cases for your service?Ergi Sener: Turkcell have consistently been introducing mobile payment innova- Ergi Sener: Single tap use cases that mainly combine payment with loyalty andtions on a local and global scale. These innovations have been market firsts, e.g. couponing applications as well as public transportation will be the main use casesTurkcell became the first operator in the world to represent more than one bank of Turkcell Cep-T Cüzdan. Since, mobile phones have more and more significantapplication. We utilised MasterCard’s mobile wallet solution, ‘Cep-T Cüzdan’, based roles in our lives, many different use cases can also be formed such as access andon NFC technology. With its state-of-the-art technical infrastructure, Turkcell suc- ID systems, ticketing,etc.ceeded in creating and managing secure domains inside the SIM with Simple Mode Since, payment seems will be the killer application of the mobile wallet, initiallyusing the operator’s OTA (Over-The-Air), to create a real wallet concept. Turkcell Cep-T Cüzdan focused on enabling card payments, specifically contactlessTo realise these, an end-to-end platform was developed; new customer processes retail payments at the POS. Yapı Kredi Bank was the first service provider that tookwere formed and integration with service providers was finalised. As parts of the part in Turkcell Cep-T Cüzdan. After Yapı Kredi, Garanti Bank also completed itsproject, development of OTA, TSM (Trusted Service Management) and NFC gateway integration and launched its Services in Cep-T Cüzdan in July. Integration projectsplatforms were developed in order to achieve the end-to-end platform goal. Turk- have been continuing with other banks, many of which will be finalised by thecell OTA was built in a way that it establishes a platform in which both subscribers end of this year. We have also been piloting some other NFC applications such asand service providers can easily adapt. All required applications, including account access systems of Turkcell headquarters and lunch voucher payments in someinformation are encrypted and loaded over-the-air into the secure areas formed selected restaurants with some Turkcell employees. Toll collection systems willin the SIM cards. NFC GateWay Platform was developed for transmitting the com- also be integrated to Cep-T Cüzdan soon. Since mass transit applications are usedmands taken from service providers or TSM to the SIMs in a secure environment. on a daily basis, we think that they will be the catalyst for penetration.Moreover, the TSM platform was also developed and Turkcell has been the first Other service providers operating in transportation, loyalty and ticketing businessesmobile network operator in Europe to launch an approved TSM solution by Master- will be available for the service subscribers by the end of 2011 too and custom-Card. From this platform, Turkcell Cep-T Cuzdan will open a whole new world of ers will experience the real wallet concept with the convenience of their mobileoppourtunities for mobile users; from ticketing, ID applications, physical access to equivalent.loyalty applications and payments.After a series of customer reports, Turkcell Cep-T Cuzdan UI was designed, based Sonum: How will mobile payments integrate with the existing paymenton both Java and Android operating systems which has led to providing consumers infrastructures? Initially many of the NFC based mobile wallets are focused onthe ability to control and manage their cards. This is an added benefit in com- enabling card payments, specifically contactless retail payments at the POS.parison to the limitations of physical cards and wallets. Even though the demandfor NFC has been around for 6 years, the main reason why it has not become a Ergi Sener: Thus, the mobile wallet service design should support a multi cardwidespread technology is due to the lack of NFC enabled handsets. Thus, Turkcell architecture. Card offerings from other issuers will follow over time progressivelyhas developed and launched its own branded handset with NFC functionality. As increasing available consumer choice and enabling a multi-bank environmentthe successor of Turkcell’s first branded handset called T10; T20 was manufactured with time. Today, many banks have issued new contactless enabled cards andas a UICC based SWP and consequently, NFC enabled by default. It seems that this the number of contactless terminals have been growing day by day (although thewill be a key factor for the penetration of NFC services in the Turkish market. contactless acceptance network has not come to an expected level when compared to standard POS devices.)Sonum: Who are your main partners and what role do they play? The POS manufacturers have decided to develop their new POS readers as contact- less embedded, thus, the number of contactless terminals will increase exponen-Ergi Sener: NFC technology has not yet reached a mature phase. Although, many tially. This, coupled with an increase in NFC enabled handsets and SIMs, will maketests have been done, a succesful commercial model hasn’t been formed yet, since NFC payments reach a siginificant level. So the number of contactless acceptancethe global standards are new and so many parties are involved in the ecosystem. points and usage areas should be increased in order to provide penetration.Thus, while developing our platform, the business model was also formed by work- The promise of the mobile wallet is more than contactless transactions and mobileing with all the related parties. phone and network capabilities, mobile wallets will be changing how we makeTurkcell’s Mobile Financial Services division of New Technology Business led the commerce and will change consumer shopping habits. There can be many op-project with the participation of the SIM & Multimedia Team of Turkcell Technol- portunities with the use of mobile wallets, but this requires a transformation in thatogy (Turkcell’s R&D company). Our SIM card manufacturer is Gemalto; payment customers need to get famialir with using their handsets for these applications.authority, MasterCard. The business development and IT departments of partnerbanks, Yapı Kredi and Garanti Bank have also added value to the project. Also, the Sonum: What are some of the key considerations other stakeholders need to takehandset manufacturer of Turkcell branded T20, Huawei, joined the project with a when it comes to rolling out NFC payments?crucial role of developing T20s with SWP UICC based NFC functionality. Ergi Sener: A business model and technical requirements should be formed withSonum: How did you identify the need for NFC in Turkey? the consensus of all the stakeholders in the ecosystem. And, the interoperability should be provided both on a technical and strategic level nationally and inter-Ergi Sener: NFC will impact the mobile world radically according to Gartner. By nationally. Some companies should lead in all these processes to give accelerate2012, Mobile payment and and NFC enabled applications like mass transit passes, progress. As Turkcell, we tried to take this responsibility and developed our end tomobile copuons and tickets and smart loyalty applications will be ranked among end platform with the participation of related parties. The NFC ecosystem is one ofthe top mobile applications. the biggest and most complex environments, thus all stakeholders need to workThe mobile phones have more and more significant roles in our lives nowadays. cooperatively and in an harmony.Recent research reveals that people like the idea of making payments with theirmobile phones instead of conventional means of payment. Moreover today, Turkey Sonum: What attracted you to speak at Mobile Money Global?is one of the most developed countries in terms of payment systems. More than 3million customers are already using contactless credit cards and there are almost Ergi Sener: I want to present Turkcell’s approach to mobile payments and NFC, and50.000 contactless terminals in the field, making it the second advanced market in our multi-application platform, especially as this became a widely cited case studyterms of contactless terminals after the UK. Thus, Turkish people are getting used in the GSMA’s Pay-Buy-Mobile group, we want to share our experience both techni-to contactless payments. They not only use contactless cards for payment, but for cally and strategically through many of our innovative solutions.public transport systems; office and home access systems and loyalty systems. So,contactless cards have already been a part of Turkish peoples’ lives for a long time Got a question for Ergi? Come join Ergi Sener on conference day two, at 16.30.already. Instead of carrying many physical cards, people prefer to carry only theirmobile handsets. Turkcell Cep-T Cüzdan provides consumers with unified access topayment and other relevant services (such as ticketing, ID, access, couponing andloyalty) through their mobile device.Besides, Turkey has one of the youngest populations in Europe, people are veryopen to new products and services as well as technological innovations and ‘beingthe first adopter’ and taking advantage of new services and products. Mobile phonepenetration is almost 100%, so we aim to create a holistic framework which cant. +44 (0) 20 7067 1831 35
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  • 34. Mobile Health AcademyPre-conference Workshop: Monday 31 October 201109:30 Registration and Coffee 12:30 LunchThe mHealth Academy is a must attend workshop for anyone to 13:30 Analysing recent developments in mHealth technologydeploy an mHealth programme or to simply optimise an existing and ensuring that your mHealth technology produces aservice. It features a fully interactive format designed to ensurethat you leave the event armed with all the advice you need to successful end-to-end mHealth solutionmake your mHealth project a success! • Mapping out the technology developments in the mHealth10:00 Building a successful mHealth programme: from concept industry to market • Identifying the main challenges associated with providing a technology that fully caters for the healthcare industry’s• Overview of the healthcare landscape needs• Addressing the role of the mobile technology in the healthcare • Overcoming the challenges of developing an mHealth ecosystem solutions that bridges the cross-industry divide• What us the state if the mHealth market and what are the • Making sure that the technology you choose fully supports existing and future opportunities? your mHealth business• Establishing the mHealth ecosystem and the role of each Dr. Zakiuddin Ahmed, National Coordinator for eHealth, Federal stakeholder – operators, clinicians, regulators, NGOs, public – Ministry of Health Government of Pakistan private partnerships, software developers, vendorsTikki Gee, Assistant Director, CIO Office, Ministry of HealthHoldings, SingaporeConference day one: Tuesday 1 November 201108:30 Registration and coffee • Future uses of mobile money for m-health and the impact of mobile health to spur demand for mobile financial servicesMobile Money and Mobile Health Plenary Sessions to takeplace in the same conference room. Julie Evans, Group Sustainability Director, External Affairs, Vodafone09.00 Chairperson’s introductory remarks Michael Joseph, Fellow, World Bank & Former CEO, Safaricom Osman Sultan, CEO, duHannes van Rensburg, CEO, Fundamo Prof. Krishnan Ganapathy, President, Apollo Telemedicine09.10 Keynote presentation: harnessing the power of Networking Foundation, President, Telemedicine Society of mobile money services and investing in community India, President, Indian Society for Stereotactic & Functional Neurosurgery development to bring an end to poverty Manish Gupta, CIO, Global HealthcareJulie Evans, Group Sustainability Director, External Affairs, Hannes van Rensburg, CEO, FundamoVodafone Mobile Health 201109.40 Keynote presentation: facilitating socio economic 11:30 Opening remarks from the Chair transformation in emerging markets through mobile lifeline services Karim Taga, Managing Director, Arthur D LittleOsman Sultan, CEO, du 11:40 Smart Health – Facilitating Healthcare through Connected Communities10.10 Panel discussion: integrating mobile money and mobile health to develop robust services for the 1 billion • Patient centric healthcare is not just desirable, but critical. individuals lacking access to healthcare systems and Making this possible is a responsibility that du takes very financial services globally seriously• How to leverage the ubiquity of the mobile phone to offer • The burden of increased healthcare costs on the community, financial services and healthcare provision scarce healthcare resources and rising consumer• The convergence of mobile money and mobile health: remote expectations is a strong business driver for change in delivery payment and settlement of testing, labs, remote diagnostics models. Innovative mobile and ehealth models are a need of and encouraging savings towards medical procedures the hour• Understanding the synergies between the mobile money • The epidemic-like prevalence of chronic diseases in the and mobile health industries – common objectives to region is a growing crises. transact securely, quickly and cost efficiently; build digital • du acknowledges the strategic role that telecom operators infrastructures and business processes to establish an can play in bringing consumer communities and healthcare ecosystem of mobile lifeline services in emerging markets stakeholders together, and delivering connected healthcare.• Developing the business models and partnerships to offer du is committed to this vision of a community that is focussed integrated services, understanding the revenue opportunities on wellness and healthy living for stakeholders whilst offering cost effective services Farid Faraidooni, Chief Commercial Officer, dut. +44 (0) 20 7067 1831 37
  • 35. 12:10 Mapping out the mHealth evolutionary path and 15:30 Leveraging mHealth to increase efficiency and reduce forecasting growth and new opportunities in the industry costs in the healthcare industry• Analysing the current status of mHealth on a global scale – • Calculating costs attributed to the healthcare industry and how has it developed over the last 2 years and how evolved are identifying categories that could be reduced through the use current deployments? of remote technology and information systems• From information services to personalised healthcare • How will the healthcare industry evolve over the next 5 years and wellness: what are the different mHealth applications • Understanding and overcoming the challenges associated currently being used and which will be more successful? with successfully introducing mHealth technology to a• How will the mHealth industry evolve over the next 5 years hospital or health practice and what new opportunities, cost savings and revenues can Manish Gupta, CIO, Global Healthcare the industry expect? 16:00 Afternoon refreshmentsHervé Algrin, Sales Development Director, Orange Healthcare 16:30 Using mHealth in the rain affected areas of Pakistan12:40 The status of mHealth in India and identifying the main challenges and opportunities • How Pakistan has used Mobile health to save thousands of rain effected people• Examining the main drivers of the growth of mHealth services • How Mobile health can provide life saving to the issue of in India Maternal and Child Mortality, which Pakistan has highest in• The healthcare landscape in India the region• Identifying the challenges associated with deploying an • What is the role of Pakistan’s National Disaster Management mHealth service in India in terms of handset availability, Authority in using Mobile health in the eradication of polio and illiteracy rates, technological awareness other blood related diseases?• Developing strategies for the widespread use of mHealth • How are mobile network operators supporting the mhealth services as a means to support Indian healthcare services initiative in Pakistan?Prof. Krishnan Ganapathy, President, Apollo Telemedicine Abdullah Butt, Advisor, National Disaster ManagementNetworking Foundation, President, Telemedicine Society of Authority, Prime Minister Secretariate PakistanIndia, President, Indian Society for Stereotactic & FunctionalNeurosurgery 17:00 Introducing m-Pharma: mHealth’s thin wedge or a new ecosystem altogether?13:10 Panel discussion: Who will drive the mHealth industry?This interactive session will offer key speakers and delegates • Is mHealth living up to industry expectations?alike the opportunity to share and debate their ideas on who is • Understanding how the pharmaceutical industry is securing abest placed to drive the development of the mHealth industry. high ROI on the mHealth applications and innovationsPanellists: • Bright Simons, CEO, mPedigreeManish Gupta, CIO, Global Healthcare 17:30 Closing remarks from the ChairProf. Krishnan Ganapathy, President, Apollo Telemedicine 17:40 Close of conference day one followed by networkingNetworking Foundation, President, Telemedicine Society of drinks receptionIndia, President, Indian Society for Stereotactic & FunctionalNeurosurgery Mobile Money AwardsFaisal F. Bin Zarah, Director Adjacent Services, Mobily M OBI LE Mobile Health 2011 delegates are invited to M ONEYJuergen Pillinger, New Business Development, Orange Austria attend the Mobile Money Awards CeremonyDr.Adnan Abuy-Dayya, CEO, qu Wireless Innovations Center(QUWIC)13:40 Lunch and exhibition Conference day two: Wednesday 214:40 Orange Austria case study: A successful mHealth November 2011 programme 1.5 years on 08:30 Registration and coffee• Introducing Orange Austria’s mHealth service 09:00 Opening remarks from the Chair• Overcoming the challenges that an MNO will face when Wesam Alanquar,Lead Manager, A D Little entering the health system: what are the specific challenges and considerations 09:10 How to ensure the technology used in your mHealth• What Orange Austria has learnt about mHealth to date programme is offering secure and patient-centric healthcareJuergen Pillinger, New Business Development, Orange Austria • Identifying the specific requirements for your mHealth15:10 Technology convergence and mobility in healthcare programme taking into account its purpose and aimDr Vinod Seetharaman, Programme Lead – Healthcare & • Analysing the behavioural patterns of the patient group thatLifesciences, Global Analytics , Hewlett Packard you aim to target • Demographics and behavioural patterns of typical mHealth users Kim Guest, Head of National Accounts, O2 Health 38 w.
  • 36. 09:40 Working with partners effectively to deliver easy to use • Determining who should own the project commercial mHealth services for senior citizens • What are the security and privacy implications of providing 24 access health information?Michael Reilly, Director, Doro mHealth • Developing an effective pricing strategy that encourages10:10 Delivering healthcare the mobile way service usage whilst ensuring a clear ROI• Escalating incidents of heart diseases has led to increased Dr. Zakiuddin Ahmed, National Coordinator for eHealth, Federal fatality due to myocardial infractions, particularly when the Ministry of Health Government of Pakistan condition is not detected early 14:40 Deploying mHealth services to actively support remote• Analysing Ephone’s patented mobile phone with integrated patient healthcare with increased efficiency & reduced costs ECG and health monitoring functions • The business case for deploying mHealth services to support• With 98% correlation with precordial 12-lead ECG reading, and improve remote patient monitoring Ephone’s healthcare • Overcoming the specific technological challenges of remoteEric Loh, CEO, Ephone International patient monitoring10:40 Morning refreshments Dr Sundaram Arulrhaj, President, Sundaram Arulrahaj11:10 Roundtable discussions HospitalsDelegates will break out into 6 different roundtable discussions. 15:10 Addressing the need for patient privacy and security inEach roundtable will be moderated by an industry expert. order to ensure that you mhealth service is ethical andRoundtable discussion 1: How are patient’s perceptions of promotes customer loyaltyhealthcare and technology evolving and how can you encourage • Understanding the key challenges associated with storingthem to adopt mHealth services? personal and private dataRoundtable discussion 2: How will the healthcare industry • Analysing storage systems traditionally used by theadopt mHealth services and what needs to happen to encourage healthcare industry transmitted in an efficient wayhealthcare professionals to adopt the different services? • Overcoming the challenges associated with keeping patientManish Gupta, CIO, Global Healthcare information completely secure and confidential – what is theRoundtable discussion 3: Given the complex nature of emerging implication of using the cloud?mHealth business models, who should fund the programmes? • How demonstrating patient security and privacy can improveRoundtable discussion 4: How important is the privacy and customer loyaltysecurity of patients, and who out of the stakeholders should Dr. Charles Alessi, MiHealthtake the responsibility for this? 15:40 Afternoon refreshmentsRoundtable discussion 5: How can governments and NGOs helpto drive the mHealth industry and how can they benefit from it? 16:10 Analysing public demand and standards for mHealthDr. Zakiuddin Ahmed, National Coordinator for eHealth, Federal Dr. Sally Stansfield, Senior Associate Integrare, Advisor toMinistry of Health Government of Pakistan Intelligence for HumanityRoundtable discussion 6: How can mHealth evolve to offer 16:40 Creating standards and certification that promotepreventative and wellness services? interoperability throughout the mHealth ecosystemJuergen Pillinger, New Business Development, Orange Austria • Examining how a lack of interoperability can impact the12:40 Lunch and exhibition mHealth ecosystem13:40 Singapore’s personal health management strategy to • Developing a strategy for defining and producing effective engage people and communities through innovative standards for the entire mHealth ecosystem consumer health technologies • What is the current status of mHealth standardisation and certification throughout the world?• Singapore’s ehealth programmes & current state of development • Angela Single, Health and Wellness Innovation Lead, BT• Singapore’s healthcare challenges and national personal health management (PHM) strategy to engage people and 17:10 mHealth in health information delivery: the Indian market communities, to achieve national health goals • The impact of mobile technology on the Indian Society: which• The role of personal health technologies in enabling people services are particularly popular? and communities in the management of their health to • The growth of mHealth as a health information delivery tool achieve higher self efficacy • The main challenges associated with health information• The potential of mHealth and other consumer health delivery projects technologies in a highly connected society like Singapore • Addressing the specific considerations that different healthTikki Gee, Assistant Director, CIO Office, Ministry of Health information delivery projects must have when using mHealthHoldings Singapore as a dissemination tool in India14:10 Call centre 101: Deploying an mHealth service that Geena Mary Skaria, Dept. Of Health Information Management, provides 24 hour access to health information and advice Manipal University• Analysing the business model needed to implement a 17:40 Closing remarks from the Chair and close of conference successful mHealth information servicet. +44 (0) 20 7067 1831 39
  • 37. MOBILE MONEY APAC CONFERENCE & EXPO SINGAPORE 30 JANUARY- 2 FEBRUARY 2012 Asia Pacific is the fastest growing region for mobile money... By 2014 mobile money transaction volumes in Asia Pacific will exceed US$316 billion and there will be 622 million mobile payments users in the region with over 62 billion use cases. Domestic and international mobile money transfers, prepaid airtime transfer, mobile banking and salary disbursement, bill payment and loan collection through the mobile channel are just some of the services in demand from consumers in developed and developing markets. In markets such as the Philippines, India and Indonesia, mobile network operators and banks have an opportunity to increase access to financial services to the millions of under banked mobile phone users... For the last 5 years, NFC has already been a key driver for mobile payments in Japan and South Korea for transport and retail purchases. Now, we see this trend spreading to other markets including Singapore and Malaysia. w. t. +44 (0)20 7067 1831Gold Sponsor: Silver Sponsor Bronze Sponsor Exhibitor: 40 w.
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  • 39. Mobile Health Advisory Development, Orange Austria Telecommunication GmbH Juergen Pillinger, New Business Board After projects like mobile music and having led the introduction of DVB-H to the Austrian market from Orange side the main focus is now on topics like E-health, mobile advertising, mobile broadband and Machine2Machine communication. He is also a member of the board of the Mobile Marketing Association Austria (MMAA). Before joining the wireless industry in 2005, Juergen Pillinger was working as a consultant for high-tech enterprises, mainly in the field of financing of R&D and venture capital. Karim Taga, Managing Director, Arthur D Little Karim specializes in telecommunications and he is a member of the TIME (Telecommunications, Information Technology, Media and Electronics) practice. He is active in this industry for 18 years already. Author of the last four editions of the Global M-Payment report. His interests are primarily focused on three functional areas:• Business strategies and marketing concepts • Corporate Finance and business planning • Leading the global ADL competence center of technology economics Karim had a major responsibility and was in chargeof more than 100 assignments in Strategy, Organization and Technology for: fixed and broadband operators, mobile operators, content aggregators,media players and broadcasters, suppliers as well as supported Krishnan Ganapathy M.Ch.(Neurosurgery), President, Apollo Hospitals An Adjunct Professor, at the IIT Madras, Tamilnadu Medical University & Anna University, Chennai Dr Ganapathy was formerly Honorary Consultant and Advisor in Neurosurgery Armed Forces Medical Services. A former examiner & Inspector for the National Board of Examinations Ministry of Health, Govt of India he was also an overseas examiner to the Universiti Sains Malaysia and the Royal College of Surgeons Edinburgh . He is Member of the Editorial Board of 4 International and 3 National Journals in Neurosciences . A pioneer inintroducing Telemedicine in India Dr Ganapathy has been working relentlessly from 1999 for the growth and development of Telemedicine in India. AMember of the National Task Force on Telemedicine he is a Co Founder of the Telemedicine Society of India.Manish Gupta, CIO, Global Healthcare Tikki Gee, Assistant Director, CIO Office, Ministry of Health Holdings Sinapore Mr.Tikki Gee’s has over 15 years of technology experience in healthcare, supply-chain management and automotive industries. He has held senior management roles in MNCs and has led and managed large IT projects in Asia Pacific, delivering a variety of technology-enabled solutions for Fortune 100 Companies like Coca-Cola, Swire, Pepsi and Petronas. Mr. Gee joined Singapore’s MOH Holdings in 2008 and as Assistant Director is currently responsible for developing and implementing Singapore’s Personal Health Management Strategy. Tikki tweetsregularly about mhealth via pseudonym: @connected_care and has spoken in regional mhealth conferences. Zakiuddin Ahmed, Federal Ministry of Health Government Dr. Zakiuddin Ahmed is a visionary strategist who specializes in developing innovative solutions for Healthcare Services, Education and Business through information technology. He is the National Coordinator for Telemedicine & eHealth, Ministry of health, Government of Pakistan, President of Healthcare Paradigm, CEO of eHealth Services Pvt. Ltd., Medical Director of PharmEvo, COO of Smart Health Care and Project Director of Health Asia.Mobile Health Speaker Biographies Abdullah Butt, Tele Health and E Learning Consultant Abdullah Butt is a leading consultant for Telehealth and e-learning, in this context, he is working with international companies to bring in technology and knowledge in country, these include USA, UK, UAE, Saudi Arabia, Romania, Korea, India, Bangladesh and South Africa.Dr. Adnan Abu-Dayya, CEO, qu Wireless Innovations Center (QUWIC)Dr. Adnan has more than 20 years of international experience in the areas of wireless/telecomm R&D, innovations, business development, and servicesdelivery. Before moving to Qatar in 2007, he worked for 10 years at AT&T Wireless in Seattle, USA where he served in a number of senior managementpositions covering product innovations & emerging technologies, systems engineering, and product realization. Before that, Adnan worked as a SeniorManager at Nortel Networks in Canada in the advanced technology group and as a Senior Consultant at the Communications Research Centre in Ottawa,Canada. From April 2007 to Dec. 2008, he was the Chairman of the Electrical Engineering Department at Qatar University. He led the initiative to createand then was appointed as the Founding Executive Director (CEO) of the newly established QU Wireless Innovations Center (QUWIC) in Jan. 2009 at theQatar Science & Technology Park, Doha, Qatar. Angela Single Angela started her career as a registered nurse at Barts and Royal London Hospital, England. She trained as a Community Nurse before becoming a Senior Health Service Manager of an Acute Hospital Trust. She completed her BAhons in Healthcare Management in 1996. In 1999 she started one of the first UK’s Telehealth Companies, Healthwatch, becoming its Managing Director in 2000. In 2003 she was appointed as CEO of Choose Independence a specialist Telecare and Telehealth Consultancy. She has lead the way on standards for Telecareand Telehealth service delivery in the UK developing the 2009 Code of Practice for the UK’s Telecare Services Association. She is an inaugural memberof the International Congress of Nursing’s Telenursing Advisory Group and is a member of the Department of Health Telecare Advisory Network. Shetravels extensively advising on the benefits of telecare and telehealth. In June 2011 she joined BT as their health, wellness and innovation lead. Shespecialises in strategic re-design of health and care systems, long term condition management, telehealth and telecare delivery models. Bright B. Simons, CEO, mPedigree Brights’ interests are in technology, development, political economy, and how these phenomena intersect to create large-scale change. His work in these areas has been channeled through the mPedigree Network (www.mPedigree.Net); as well as through the public interest organisation, IMANI (, a research institute ranked among the world’s 20 most innovative think tanks. He invented the mPedigree mobile phone anti-counterfeiting system, which is already contributing to the fight against counterfeit medicines, a cause of deathfor an estimated 2000 people around the world daily. Bright is an Ashoka Fellow, TED Fellow, Archbishop Tutu Fellow, Tech Museum Laureate, and amember of the Crans Montana Forum, and the World Economic Forum’s Global Agenda Councils, Risk Response Network and Technology PioneersCommunities. Bright is regularly consulted as a resource person by such organisations as the World Bank, the West African Health Organisation, theAfrican Union, and the Commonwealth.t. +44 (0) 20 7067 1831 43
  • 40. Eric Chee Mun LOH, CEO - Ephone International (S) Pte LtdMr. Loh has more than 15 years of experience in the medical device and healthcare industry. Prior to joining Ephone International (S) Pte Ltd, Mr. Loh spent morethan 10 years at Biosensors International Group Ltd,a publicly-listed company serving the interventional cardiology and critical care markets. At Biosensors,Mr. Loh served different senior management roles during the company’s early-stage development and was involved in the growth of the company leading to itssuccessful IPO in 2005. Mr. Loh was most recently the Senior Vice President of Biosensors and was the head of its investor relations and strategic corporatecommunications department. He concurrently held the role as the company’s head of Human Resource for Asia Pacific during a time when he implementedsuccessful strategies that supported the company’s growth. Since joining Biosensors in 2000, Mr. Loh first served as the head of Strategic Business Developmentand was instrumental in leading several successful partnerships and acquisitions. He next served as the company’s Managing Director of its Singaporeoperations in 2002 and was instrumental in leading the successful operation and sales growth in Asia Pacific. Prior to Biosensors, Mr. Loh was with the SingaporeGovernment and was responsible for identifying and developing medical device technology companies worldwide through investments and management. Farid Faraidooni, Chief Commercial Officer, du In his current role as Chief Commercial Officer, Farid Faraidooni is responsible for all the Sales, Marketing, International Carrier Relations, Business Development & Strategic Partnerships, Brand and Communications and Customer Care functions at du. In his previous role as Executive Vice President of Corporate Affairs, du, Faraidooni handled corporate programme management, telecom regulatory affairs, corporate governance and investor relations. He was also involved in developing policy and strategic directions for du. Prior to joining du,Farid played a key role in the implementation of the information communications technology cluster in Dubai Internet City (DIC), and the development ofthe telecom infrastructure of DIC and TECOM. Farid also served as the Director of Telecom for TECOM from April 2002 to May 2004. Geena Mary Skaria, lecturer in the Dept. of Health Information Management, Manipal college of Allied Health Sciences, Manipal University, Karnataka, India. She is working with this celebrated university for more than a year now. She has also been into various administrative posts in Manipal group of hospitals. Along with the academic commitments she is interested in health informatics with special focus on maternal and child health improvement initiatives. Published an article titled ‘Health Phones: A Potential Game Changer in Health Information Management’ in theOnline Journal of Health and Allied Sciences (OJHAS) and has also presented papers in similar areas. She is currently working on a research projectfocusing on mhealth in expecting mothers. Hervé Algrin, Directeur du Développement, Orange Healthcare. Alumnus of the Ecole Polytechnique and Civil Engineer of Ecole Nationale de Ponts et Chaussées, Hervé Algrin began his career in the delegated management of public services. After a period of consultancy in strategy and management (A.T.Kearney), he joined France Telecom Mobiles in 2001. In 2005, he joined the Regional Direction of France Telecom for Paris, as Development Director, in charge of innovative projects, deployment of optical fiber to the home and care services. Among these projects, Hostonautes has made available to children hospitalized at the Hospital Armand Trousseau, asecure Internet environment enabling them to follow their education and stay in touch with their relatives. Since 2008, he is in charge of the international developmentof Orange Healthcare, supporting the Group’s subsidiaries in the deployment of telecommunication services for healthcare professionals and telemedicine. Juergen Pillinger, New Business Development, Orange Austria Telecommunication GmbH See advisory board for full profile Krishnan Ganapathy M.Ch.(Neurosurgery), President, Apollo Hospitals See advisory board for full profileDr. Sally K. Stansfield, Physician Epidemiologist, Health Systems Technology AdvisorFocusing on metrics and the development of institutions and policies to deliver better health outcomes. Sally works with multiple stakeholders, includingUN member states, technical agencies, donors, and civil society groups that are committed to strengthening country-owned strategies and systems forhealth. An expert in evaluation and planning for health systems, Dr. Stansfield has worked extensively in Africa, Asia, Central and South America and theMiddle East. She was the founding director of the Health Metrics Network initiative, an innovative partnership hosted by the WHO to strengthen healthinformation systems. For seven years prior to working at WHO, she worked within the newly established Global Health Program for the Bill & Melinda GatesFoundation. There, she was instrumental in shaping strategies and in creating and managing several landmark alliances including the Global Alliance forVaccines and Immunization (GAVI), the Global Fund to fight Tuberculosis, AIDS and Malaria (GFATM), and the Global Alliance for Improved Nutrition (GAIN). Prof.Dr.Sundaram Arulrhaj, M.D.,FRCP.,Physician & Intensivist, President, Sundaram Arulrhaj Hospitals Practicing in a small town in Tamilnadu, Tuticorin and developed a hundred bedded Multi Speciality Hospital Medical Institution with Hi- tech diagnosis and modern treatment facilities. Changed the Medical Practice Profile of Southern Districts of Tamilnadu to Scientific and Evidence based. Organized Specialty Health Care affordable to the Common man. Tikki Gee, Assistant Director, CIO Office, Ministry of Health Holdings Sinapore See advisory board for full profile . Dr. Vinod Seetharaman, Program Lead - Healthcare & Life sciences, Global Analytics, Hewlett Packard Dr. Vinod has worked as a medical practitioner in the government & private healthcare sectors for many years before moving into the healthcare technology space with Hewlett Packard. At HP, he’s also part of the global business solutions team. Zakiuddin Ahmed, Federal Ministry of Health Government See advisory board for full profile 44 w.
  • 41. w w w. T E L E P I N . c o mt. +44 (0) 20 7067 1831 Visit us at booth #42 to learn more 45
  • 42. Earlier this month we caught up with 2 of our expert speakers, to find outwhat they are working on and where they think the industry is headed.Mobile Health Explained: How Orange Austria have made their mHealthservices a success Earlier this month we caught up with one of our Where do you think mHealth is headed and what current and potential future speakers, Jeurgen Pillinger, New Business developments excite you the most? Development Manager, Orange Austria and here is what he had to say: I think it is a big opportunity as a new market which evolves from the use of mobile technologies and you can now use them for the health sector as well. I think there Could you tell us a bit about Orange Austria’s are various opportunities, from remote patient monitoring, to go into lifestyle mHealth services? prevention market to just have someone accompanying your daily life, to ambient assisted living. So I think there are various opportunities for various players and I think What we have done in the latest one and a half we’ll see quite a lot of people and companies going into the market and doing some years is to set up a remote patient monitoring really exciting stuff there. system for the chronic diseases diabetes and hypertension. After a 12 month trial we went live Could you tell us a bit about what delegates can expect to learn from your pres- June last year and since then we’ve been selling entation at this year’s Mobile Health conference? the programme on the market quite well. We’ve got first results and now we are looking forward What I am trying to give is feedback on what we got from the market and pass it on to expand it to various other diseases like COPD, to the delegates. Give them some insight on what we did from start of the idea, over ECG and looking into the whole lifestyle and the trial to the launch, what problems we faced, what success stories we have andwellness part as well. what the outlook is so I think it is very important to give some feedback of actual projects that are in the market and just tell people what problems, challenges andWhat do you think are the key challenges faced by the mHealth industry? success factors they might face.To be honest there are various key challenges, which there are first hand in regu- What were your thoughts on last year’s Mobile Health conference?lated countries like Austria or the rest of Europe, there is quite a lot of regulationwhich poses some problems because the system is not set up yet for mhealth It was a very well organised conference and it was good to meet people from allservices so when you talk to doctors they say ‘it is a really good solution, but where over the world and also from countries like India and Bangladesh and from Africanare we going to fit it in the regular system of social security?’. Social securities countries, just to see what health is in their definition which is completely differenthave already allocated some budget in Austria from what we might see it. So from an educational point of view, from a reminder[but] they don’t really know how to use it on the various projects there. You know, point of view, from getting people to know different points in their health systemwhen it comes to patients of yours you have to solve the different issues like data to just really attacking chronicle diseases so it was a good mix and I’m lookingprivacy, what we did by getting everything certified by the data privacy commissions forward to this year Austria and to adapt them to new technologies which are now being used in thehealth system. See Jeurgen Pillinger speak on conference day one at 13.10 and 14.40 and on conference day two at 11.10.Mobile Health Explained: How the mHealth industry has developed and whatservices O2 Health is offering Keith Nurcombe, Managing Director, O2 Health, Telefonica What mHealth services is O2 Health offering? delivering solutions and looking at being able to deliver them in a different way. The focus is to deliver care as much as possible in the community and for me it’s We work with NHS and private healthcare about delivering solutions and looking at the way that those solutions are delivered organisations and we offer them services around now and help them draft those solutions to help them deliver them as close to the helping them to deliver their services that they patients’ home as possible, rather than using the traditional route which is to bring deliver to patients more efficiently. So for exam- them to the hospital and treating them there. ple access to medical records on the move and documentation and those kind of things, we have What are the biggest challenges facing the industry today? a telehealth solution coming out in the latter part of the year that will deliver the ability for patients There are issues around patient data and data security. There are issues aroundto have remote consultation with healthcare professionals and help them as they the use of technology – some people still have fears around the use of technol-see fit. We also have a solution coming to market which is in the fixed telecare ogy which makes them reluctant to manage patients in a different way. There is aspace and makes that completely mobile, the red button panic alarm, so they have perceived risk they have around what technology can or can’t do.a panic alarm which gives people the functionality to track and move around. What can attendees of Mobile Health 2011 expect from your presentation?How do you feel that the mHealth industry has developed over the last couple ofyears? What has changes? It will be about how we can deliver innovative solutions to help patients man- age their own health and manage their own health and manage their wellbeingI would say the interesting thing is that I don’t look at it as mhealth or ehealth as differently than they do currently. It’ll be about talking about some of the provenI just look at it as health. I’ve always perceived that this is about providing health solutions we have put into the market and it will challenge people’s way of thinkingsolutions for patients. It’s about providing health related solutions, making sure about the healthcare market. Just because it has always been done that way doesn’tthat patients have access to the healthcare professionals, look after their health mean it has to continue to always be done that way.and manage it whether they are in or out of home. It’s about providing health re-lated solutions and providing better access. The fact that that it might be delivered What are you most looking forward to about Mobile Health 2011?through a mobile versus fixed solution makes little difference, it’s about delivering I look forward to the questions, which probably most people don’t. Particularly ata health solution. international ones like this, I look forward to the interaction, the opportunity youWhat would you like healthcare providers to know about mHealth? have to hear and see what people are developing in different parts of the world and in different countries.For me it’s about the opportunity to look at the way they deliver solutions and theway they manage their processes now and we know the focus is about deliver- See O2 Health’s, Kim Guest, speak on conference day two at care as much as possible in the community to the patient if we can. It’s about 46 w.
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  • 44. Mobile Health Sponsors and ExhibitorsOperator Partners Telenor Group is one of the leading mobile operators in the world, with 120 million mobile subscriptions*. We have mobile operations in 11 markets, as well as a stake of 31.67 per cent in VimpelCom Ltd., operating in 20 additional markets. Telenor Group provides tele, data and media services in the Nordics, Central and Eastern Europe and Asia. Our main revenues come from our mobile operations, making us one of the world’s major mobile operators: 120 million mobile subscriptions worldwide* ; Mobile operations in 11 markets, with an additional 20 markets through VimpelCom Ltd.; Grown from 15 million to 120 million mobile subscriptions in less than 10 years. Vodafone is one of the world’s largest mobile communications companies by revenue with approximately 371 million customers in controlled and jointly controlled markets as at 31 March 2011. Vodafone has equity interests in over 30 countries across five continents and more than 40 partner networks worldwide. Vodafone serves a broad range of customers from individuals on prepaid or contract price plans, to enterprise customers ranging from small businesses to larger domestic and multinational companies. We see significant opportunities for our services in the areas of health, financial services, agriculture and food distribution, particularly in the emerging markets which are at the heart of our strategy for business growth. For more information, please visit www.vodafone.comSilver Sponsor HP creates new possibilities for technology to have a meaningful impact on people, businesses, governments and society. The world’s largest technology company, HP brings together a portfolio that spans printing, personal computing, software, services and IT infrastructure at the convergence of the cloud and connectivity, creating seamless, secure, context-aware experiences for a connected world. Learn more about HP at http://www.hp.comBronze Sponsors Doro is a Swedish company that focuses on developing, marketing and selling telecom products targeted particularly at seniors – a growing group of people worldwide. With over 35 years of experience in the telecom industry, and sales in more than 30 countries on five continents, Doro today is the world’s leading brand in simple, easy-to-use mobile phones. Dorocreated the Care Electronics segment and has in recent years received several international design awards. The company generated sales of SEK633 m in 2010. Doro’s shares are quoted on the OMX Nasdaq Stockholm exchange, Nordic list, Small companies. Read more about Doro at EPI Life is a consumer device which allows a non-medically trained person to capture his or her heart rhythm measurement (Electrocardiogram or ECG) with clinical precision at the point of symptoms. The ECG trace can then be transmitted at a touch of a finger via the integrated mobile phone platform to a 24- hour medical center for prompt response and advice. Together withEPI Personal Health Concierge and Personal Health Folder, the EPI Life presents a complete and hassle-free remote health monitoring solutionwith the potential impact of early detection and saving of lives. Compared to existing products on the market, the EPI Life does not require the use ofany additional wires/electrodes, gels, plasters or wearable components. Recording of ECGs is done within 30 seconds simply by touching the sidesof the device with one’s fingers, a procedure simple enough to be adopted even by the elderly.Exhibitor mihealth™ is a Canadian company that empowers patients with the information they require to take better control of their own health and wellness. This is accomplished by giving patients secure online access to their physician- validated medical records as well as to their dependents’, and allowing two-way communication between themselves and their physician. Patients have the option to securely access mihealth’s services through their smartphones and tablets via mihealth’sHealthpass application. Healthpass allows patients to access their medical records, fax oremail their records, and securely communicate with their physician - all instantly from their smartphone or tablet.Mobile Health Supporting Associations and Media PartnersAssociate Partner Media Partners Wireless Healthcare Mobile Health 2011 is accredited by the CPD Certification Service. Attendees earn 18 points towards their continual professional development. Please see the registration desk if you need a certificate. 48 w.
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  • 47. Mobile Life SeminarsMobile Life Seminars will feature recent innovations in mobile applications and services, pointing to a growing trend amongstmobile operators to provide an increasingly personalised and holistic mobile service to their customers. Make the most of thisopportunity to meet professionals at the cutting edge of the mobile evolution during the two days of dedicated seminar sessions ledby experts at the front line of new mobile apps deployments.A series of seminars spread over two days will offer you an insight into the latest developments in mobile lifeline apps and services.Hear from pioneering companies du, Grameen Foundation, Vodafone and more on the development of Mobile Agriculture andMobile Learning services.Conference day 1: Tuesday 1 Conference Day Two: Wednesday 2November 2011 November 201111:30 Mobile Agriculture – Leveraging mobile applications 11:30 Understanding how du are leveraging mobile learning to support the evolution of the agriculture industry in apps to promote their e-Health services Africa This session will look at mobile learning in the context ofThis session will look at the innovative work that the Grameen pharmaceutical medical reps knowledge management, earlyFoundation has done in developing and deploying mobile apps life style modifying education at schools and consumer healthand services to support farmers in Uganda. Accounts of real-life education.experiences will be shared. This will be a unique opportunity tolearn from an organisation with practical experience of a new Santanu Biswas, Director e-Health Services, duand exciting mobile services industry. 14:00 Vodafone Digital CommunitiesSean Krepp, Country Director, Grameen Foundation This session will present Vodafone’s pioneering work on new14:00 How mobile microfinance is being used to support mobile services and will look at how they are transforming lives agricultural development through mobile Garren Bird, Digital Communities Lead, Group CommercialJohn Owens, Chief of Party, Microenterprise Access to Banking DevelopmentServices16:00 Analysing the growth and use of mobile entertainement 16:00 Innovations in mobile ticketing apps and services in emerging marketsMobile Life Speaker Biographies Garren Bird, Digital Communities Lead, Group Commercial Development Garren Bird is leading an initiative within Vodafone’s Group Commercial Development organisation to accelerate and scale new businesses that use mobile to provide critical services to underserved populations in emerging markets. Working with our operating companies and partners across Africa, Asia and the Middle East this initiative aims todevelop these businesses to their full commercial and social impact potential. Garren joined Vodafone in 2010 from the CarbonTrust, a UK organisation working with businesses to accelerate the move to a low carbon economy. She began her career andspent eight years at Bain and Company, the global strategy consultancy where she worked in the Boston, New York and Londonoffices across multiple industry sectors and strategic issues. Prior to joining Bain she spent a year as an independent consultantwith the World Bank in Indonesia and Ashoka: Innovators for the Public in Thailand working on a variety of rural development andentrepreneurship issues. She received an MBA with honors from Wharton in 2005 and lives in London with her husband John Owens, Chief of Party, Microenterprise Access to Banking ServicesA lawyer and recognized expert in the fi eld of microfi nance and mobile money services with more than 23 years of field experience in Africa, Asia, the Caribbean, Latin America and the Middle East. He has worked on using mobile money to support mobile financial services in collaboration with mobile money issuers and banks as well as coordinated with bank regulators since 2004. As Chief of Party for the USAID-supported Rural Bankers Association of the Philippines(RBAP) Microenterprise Access to Banking Services (MABS) program, he has worked directly with Globe Telecom’s G-Xchange promote the use of GCASH in over 70 rural banks with over 1,000 branches and sub-offices now making use of mobile moneyto provide mobile phone banking services across the Philippines. John is currently an independent board of directormember ofMovilway and is on the international advisory panel of the Mobile Money Transfer (MMT) Forum.Sean Krepp, Country Director, Grameen FoundationSantanu Biswas, Director e-Health Services, dut. +44 (0) 20 7067 1831 51
  • 48. Connected World Forum is morethan just an annual eventIt’s about a community of executives all over the world who wantto share their experiences of developing, deploying and managing‘mobile lifeline services’.Updates and communitiesThe Mobile apps and services community is kept up to date with news about our events, speakers and sponsorson a regular basis. As well as email, telephone and direct mail contact, news, discussions and information isalso shared through LinkedIn, YouTube and our Monthly Mobile Money and mHealth newsletters. Monthly Newsletters MMT and Mhealth News are authoritative newsletters sent to 10000+ delivering cutting edge news stories dominating the market as well as interviews with high profile experts at the forefront of the industry. To sign up, please email your details to cwf@clarionevents.comClarion Payments channel on YouTubeWatch highlights and exclusive interviews fromour previous Mobile Money events on the newYouTube channel.Visit M Mobile Money Global Gateway launched!The Mobile Money Global Gateway is a new site that has been created following requests from the industry for a reated eate the industry for h industrymobile money community hub. You’ll find everything from the latest news, excusive interviews, market brief- atestings, whitepapers, events and a definitive company directory.Check out the regional events in our Mobile Money event portfolio and be sure to sign up to our FREE webinars. olioThe comprehensive directory will allow you easily identify potential customers, suppliers and partners, ntialguaranteed to help with your day to day business.Save the website to your favourites and if you’d like to be part of the directory please get in touch.To find out more contact us now on +44 (0)20 7067 1831 or mmt@clarionevents.comGo to stand 16 to see a live demo LinkedIn Networking GroupsMembership is open both to our speakers, delegates and sponsors AND to other interested parties who are notable to attend our events.Feel free to invite your colleagues and business partners to join.
  • 49. 31 OCTOBER - 3 NOVEMBER 2011, DUBAImHealth Networking GroupThe mHealth Group is an opportunity for all mobile telecommunicationsindustry experts, healthcare professionals, governments and NGOsto learn, understand and share the very latest developments inmobile healthcare.Join 1500+ of your peers around the world Mobile Money Transfer Networking Group The MMT Group is a worldwide networking community for pioneers in MMT from MNOs, banks, rMFIs, MTNs, mWallet and other technology providers, plus regulators, NGOs and advisers. GOs• Network with 5,000+ Mobile Money practitioners worldwide• Daily news items on the latest MMT pilots and launches• Interviews with MMT’s pioneer CEOs• Lively discussion board covering project management, technical and business model challenges of MMT• MMT technology supplier directory• A great forum to share your questions and experiences - the quality of discussion can surpass that of a premium priced business journal• Exclusive discounts for future Mobile Money ConferencesJoin 5000+ experts now at: our Mobile Money WebinarsAn exciting new series of Mobile Money webinars were launched in July in partnership with MicroSave.Each bi-monthly webinar explores a specific practical challenge that mobile money practitioners face as they biledeploy and roll out their services.Each Webinar lasts for approximately 1 hour and attendance is free to all participants, so invite your prospects,clients and staff to participate.Webinar Timetable19th July Effective pricing models and customer willingness to pay – view on demand now!6th September Beyond remittances: How to expand your mobile money product suite – view on demand now!1st December Coping with Dormancy10th January Creating an effective marketing strategyFind out more at
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