The document discusses the opportunities for mobile commerce ("m-commerce") in small island countries in the Pacific region. It notes that while these countries face challenges like geographic isolation and lack of traditional banking access, mobile phone penetration is growing rapidly. Mobile money services have launched in several countries through partnerships between mobile carriers and banks, and have the potential to expand financial access to the large unbanked population. These services could also reduce the high costs of international remittances, which are a key source of funds for the region. The document outlines the various mobile financial services that could be offered and how they present new opportunities for banks, businesses, and governments in the Pacific.

1. M-COMMERCE-
AN OCEAN OF OPPORTUNITY
FOR ISLANDERS.

2. OUTLOOK
 Geographic Isolation
 20 small island countries
 Demographic Dispersion
 Population of about 9 Million
 Traditional Socio-economic Structures
 Agriculture/Fishery based economies
 Growing tourism industries
 Political instability and ethnic tensions
in some countries
 The increasing levels of youth
unemployment, and Emerging social
problems have raised questions about
the extent of poverty and hardship.
 High levels of financial exclusion
 Increasing poverty levels in the last
decade
 Relatively poor economic performance
 Unemployment
Pacific Island families are continuing to struggle as
unemployment rates among the Pacific community hits
14 % In just one year, 5000 additional Pacific Island
people have lost their jobs.
 Mobile Penetration
About 60% of Pacific Islanders now have access to a
mobile phone and this figure continues to climb. In
Tonga, mobile penetration has risen from 3% in 2002 to
53% in 2011. Fiji, Samoa, Vanuatu and New Caledonia
now enjoy mobile penetration rates of over 80%. In
2006 only 2% of PNG's population had access to a
mobile phone; today this figure is fast approaching
40%.
 Mobile money in Pacific islands
Digicel’s ‘Mobile Money’ service offers customers a
range of mobile financial services, including the ability
to transfer money to friends and family nationwide and
pay utility bills through mobile phones. Mobile Money,
first launched in Fiji in July 2010, has now expanded to
Tonga, Samoa, Papua New Guinea and Vanuatu. In
Samoa, Fiji and Tonga, an international service has
been added, which Digicel claims has slashed the cost
of inter-country remittances.
 Banking Penetration
It is estimated that only 30% or less of Pacific Islanders
currently have access to basic financial services
making it the least banked region in the world.

3. OUTLOOK

4. MOBILE COMMERCE ?
M-Commerce or mCommerce, is the ability to conduct commerce using a mobile
device.
Future is to bring all shopping and payments on Mobile
Mobile
Top up
Mobile
Payment
Mobile
Banking
Merchant
Solutions
Micro
Finance
Utility
Payment
E - Top Up
Mobile
Money
Mobile
Banking
Mobile INT
Remittance
Mobile
Ticketing

5. POTENTIAL IN PACIFIC
Mobile money services have been launched in Fiji, Samoa and Tonga in the past year and PFIP data
shows that 25 percent to 30 percent of subscribers to the service don’t currently have bank accounts.
“Mobile money has the greatest potential in PNG of any country in the Pacific. The great need for a safer
way to move money, a young population and the fast rate at which people adapt to new technologies in PNG
creates a good environment for this service,” said Roest.
Currently Vodafone MPAiSA ,Digicel Mobile Money in partnership with Klick Ex launched web to
mobile wallet money transfer , covering the New Zealand, Samoa, Tonga and Fiji corridor.
In the Pacific, around US$470 million was formally remitted to Forum island countries (FICs) in 2008.
The primary sources of remittances to the Pacific are Australia, New Zealand and the United States of
America. Across all remittance corridors to Pacific island countries surveyed, the average cost is 21.7 per cent
of the amount remitted when sent from Australia and 15.2 per cent when sent from New Zealand. It is
estimated that remitters to the Pacific pay at least US$90 million in remittance fees each year.

6. NEW AVENUES

7. OPPORTUNITIES
 Mobile Phone Banking
 Major Progress in Fiji. RBF launched E-Money Fiji Project
 Other mobile companies have launched mobile money services
 Capacity to reach unbanked in a massive scale
 Branchless Banking
 Have not been introduced in the Pacific but has the potential to expand
financial services
 Specialized Organization Models
 Specialized microfinance organization
 Strategic Partnerships
 Between banks and MFIs

8. ACCESS OVERVIEW

9. SPECIAL CASES
Easy to use - Corporate, Agent, Distributor, Customer Portals
Mobile Application Compatible to 90% of Market Phones

10. DYNAMIC WALLET
Mobile Money Gift / Cash Card
Aggregator/Master Agent
Wallet Providers
E Value Top
Up
Cash In Cash Out Cash Card
Bank
Transfers
MobiFin has State of the Art Dynamic Wallet Management with
 P2P
 M2M
 Service Wallet for wallet Aggregators/Distributors
 Deposit Wallet for wallet Aggregators/Distributors
 Internal Wallet mapping for banks or MNO binding with Mobile
Number

11. MOBILE BANKING SERVICE &
ECOSYSTEM
• Mobile phone used as
banking terminal
• Menu driven application
• Bank-grade security

12. EXPLORING M-TICKETING OPPORTUNITY
Mobile Ticketing is an attractive option for:
Traveling & Reservation:
All major public transportations such as Air, Railway, Bus, Metro, Sea, Ferry,
etc.
Sporting Events:
All the major professional sporting events such as Football, Baseball ,Cricket,
Hockey, Soccer, etc.
Entertainments & Events:
Includes most of the live entertainment events such as live Concerts, Theatre,
Cinema, Museums, Galleries, Trade shows, Amusement parks, etc.

13. WHO ARE BENEFITED
Banks
Super Dealers
Insurance
Companies
Mico Finance
Companies
Financial
Service
Providers
Government
Institutions
Transit &
Travel
Companies
Operators
Utility
Companies

14. BANKAI’S STRATEGY
Financial Infrastructure
service provider
Carrier Neutral provider.
Provide Cost effective Private
Labeled partitions to existing
distribution networks in
Country.
Mobile Applications which
work on all low Ended Java,
Android Phones and POS
terminals in market along with
SMS and USSD Menu.
Launch of own Brand in
Partnership with Banks to be
part of Button Pay Cloud
Launch various unique
services like Ticketing, Micro
Finance, Micro Insurance,
Farm to Door.
Create new convenient
channel of distribution.
To be a part of Cashless and
paperless Drive in Country.
Mobile Money
Mobile Top-Up Micro-Insurance
Int. Remittance
Loyalty
Mobile Banking
Utility PaymentMicro Finance
Lottery & Betting

15. SUCCESSFUL ROLL OUTS
Tanzania Launched
Uganda Launching Soon
Nigeria Launched
Kenya Coming Soon
USA Launched
India Launched
SriLanka Launching Soon
Bangladesh Launching Soon

16. Mahavir Shah
Chief Business Development Officer,
Bankai Group.