1. Operator-bank relationships Neil Davidson, Manager, MMU October 2010, Kuala Lumpur

2. Banks and operators bring complementary assets and capabilities to the table

4. Mobile operators are best positioned to play some roles; banks are best positioned to play others; and others can be handled by either or by a third party

5. Both banks and operators (and indeed third parties) can be the “business owner”

6. Some roles are harder to outsource than others (for example, regulatory engagement)

8. M-KESHO marketing materials

9. Q&A

10. Q&A Unanswered questions? Send them to: e-mail mmu@gsm.org SMS +60123211275 (include your name) or