Seema Desai MMU Director Mobile Money for the Unbanked ProgrammeWorking Group – 27th June 2011, Singapore
Selected MMU resources Pricing and commissions webinar Articles Tools Profitability toolkit A financial model designed to allow operators to assess the overall performance of their mobile money offering Driving customer usage of mobile money for the unbanked
Why is it so difficult for mobile operators to bring mobile money to scale?
What does the journey from unawareness of mobile money to regular use look like, and what implications does this have for the marketing mix?
Is mobile money a mass-market proposition?
What promotions lead to regular use? Which don’t?
Consumer insights toolkit A guide to conducting qualitative and quantitative market research on mobile money Is there really any money in mobile money?
How much must an MNO invest in mobile money before turning a profit?
How significant are airtime distribution savings, churn reduction benefits and ARPU uplift to profitability compared to direct revenues?
Which costs can be actively managed to achieve profitability?
Mobile money dashboard
Aggregate volume and value
Customer and agent balance
Managing and effectively structuring operator-bank relationships to offer mobile money for the unbanked
What are the activities in the mobile money value chain? For each of these activities, is a bank or an operator better to carry it out?
What is the different between bank-led and operator-led models from a commercial perspective?
Are relationships between banks and operators to offer mobile money real partnerships?
Building, incentivising, and managing a network of mobile money agents
How can operators solve the “chicken and egg” problem by calibrating the growth of their agent networks?
What value do aggregators, superagents, and other intermediaries add?
What kind of monitoring and oversight to agents require?
Are there synergies between airtime and mobile money sales?