Operator bank relationships

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  • Note that this value chain can be owned/coordinated by either the bank or a operator or a third party
  • Example: what if your bank partner has 11,000 rural branches?Example: many many examples of this in the world... Makes it harder for the CB and the bank to manage risksNo exampleEasypaisavsSafaricom
  • Operator bank relationships

    1. 1. Operator-bank relationships<br />Neil Davidson, Manager, MMU<br />February 2010, Mobile World Congress, Barcelona<br />
    2. 2. Each activity in the mobile money value chain can be allocated to an operator or a bank<br />Float holding<br />Support<br />activities<br />License acquisition, regulatory engagement, and compliance<br />Product and business development<br />Marketing<br />Agent network management<br />Technology<br />Customer<br />care<br />Branding<br />Liquidity management (superagency)<br />Transactional platform<br />Communications<br />Access to the handset<br />Primary activities<br />
    3. 3. Each activity in the mobile money value chain can be allocated to an operator or a bank<br />Float holding<br />Support<br />activities<br />License acquisition, regulatory engagement, and compliance<br />Product and business development<br />Marketing<br />Agent network management<br />Technology<br />Customer<br />care<br />Branding<br />Liquidity management (superagency)<br />Transactional platform<br />Communications<br />Access to the handset<br />Primary activities<br />
    4. 4. Each activity in the mobile money value chain can be allocated to an operator or a bank<br />Float holding<br />Support<br />activities<br />License acquisition, regulatory engagement, and compliance<br />Product and business development<br />Marketing<br />Agent network management<br />Technology<br />Customer<br />care<br />Branding<br />Liquidity management (superagency)<br />Transactional platform<br />Communications<br />Access to the handset<br />Primary activities<br />
    5. 5. Banks and operators bring complementary assets and capabilities to the table<br />
    6. 6. Key takeaways from our research<br />
    7. 7. Each activity in the mobile money value chain can be allocated to an operator or a bank<br />Float holding<br />Support<br />activities<br />License acquisition, regulatory engagement, and compliance<br />Product and business development<br />Marketing<br />Agent network management<br />Technology<br />Customer<br />care<br />Branding<br />Liquidity management (superagency)<br />Transactional platform<br />Communications<br />Access to the handset<br />Primary activities<br />

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