Mobile Money: Banks & Telcos, who’s the Boss?

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Yves Eonnet presentation at Cartes 2012 on the role that banks and telecom operators have to play in the mobile money ecosystem.

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Mobile Money: Banks & Telcos, who’s the Boss?

  1. 1. Yves Eonnet CEO of Mobile Money:Telco’s or Bank business?
  2. 2. The first mobile money platformdesigned for financial institutionsInstalled in more than 30 countries
  3. 3. What does it mean?Mobile payment…Mobile wallet…Mobilemoney transfer…Mobile banking…Mobilefinancial services… Mobile Money
  4. 4. The issueMobile Money
  5. 5. The issueMobile Money
  6. 6. The issueMobile Money vs
  7. 7. The issueMobile Money /
  8. 8. The issueMobile Money ?
  9. 9. The issueMobile Money
  10. 10. 2 multinational markets Globaly banked Globaly unbanked
  11. 11. When Mobile meets Money • New user experience • New services • New targets • New players • And new banking architecture The mobile will redesign the bank
  12. 12. When Mobile meets Money • New user experience • New services • New targets • New players • And new banking architecture The mobile will redesign the bank
  13. 13. Mobile Money:Africa is inventing the future of banking
  14. 14. Let’s focus on Africa
  15. 15. Africa is leading Mobile money 2007 Creation 2012: 17 000 000 users 30 000 agents 20% of Kenyan GDP
  16. 16. Why Africa? Africa is HUGE!
  17. 17. Why Africa? Taux de pénétration du mobile % Source: Wireless Intelligence, World Bank, WMM Africa isunbanked andcovered with Africamobile phones Accès aux services financiers % * Le taux de pénétration peut inclure des double comptage dû au phénomène de multi-SIM-cards
  18. 18. The target
  19. 19. The target
  20. 20. Telcos, Banks and mobile money1. The DNA story2. The value chain battle3. The regulatory issues4. The ecosystem5. The tehnology impact6. The next step
  21. 21. Telco / Bank DNA story Telcos !high CAPEX …. low OPEX high gross margin BanksLow CAPEX …. low OPEX low gross margin Mobile Money !Very low Capex …. Very low Opex low gross margin
  22. 22. Central BanksCentral Bank with a central role (naturally)• Control money supply• Protection of citizen savings• War against money laundering /
  23. 23. The value chain warCard based payment value chain Silicon Card Terminal Transaction Issuing bank Aquiring bankmanufacturer Manufacturer manufacturer processorMobile payment value chain with telcos manufacturer operator Telecom Handset Silicon Terminal Transaction Issuing bank Aquiring bank manufacturer manufacturer processor
  24. 24. The value chain warCard based payment value chain Silicon Card Terminal Transaction Issuing bank Aquiring bank manufacturer Manufacturer manufacturer processorMobile payment value chain with telcos Acquiring Silicon Transac- Issuing Terminal bank bank manu- Handset manufacturer Telecom operator tion manufacturer facturer processor
  25. 25. Mobile money ecosystem
  26. 26. Mobile money ecosystem The 4 corner achitecture Issuing Acquiring Bank Bank
  27. 27. Mobile money ecosystem The 4 corner achitecture Issuing Acquiring Telco Bank Bank POS
  28. 28. Mobile money A technology issue
  29. 29. Maturity / bancarisation /financial inclusionTelecom TimeBanks
  30. 30. Example: a small video from Bamako
  31. 31. In developing countries Banks orfinancial service providers
  32. 32. In developing countries Banks orfinancial service providers
  33. 33. Thank you

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