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S365 M Commerce Africa Overview June 09 Linkedin.Ppt [Compatibility Mode]


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Sybase / paybox in Africa

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S365 M Commerce Africa Overview June 09 Linkedin.Ppt [Compatibility Mode]

  1. 1. Snap Shot – sub-Saharan Africa June 2009 Sybase365 + paybox = mCommerce Shaun Campbell – Business Development Director Sub Saharan Africa
  2. 2. Why Sybase & Paybox ? The leading + + = mCommerce Solution § Leading data § World’s largest § Leading provider of § Leading provider of management, analysis mobile messaging mPayment solutions in mCommerce and integration and content delivery prepaid, P2P solutions to Mobile capabilities platform delivery transfers/remittance, Operators and FSI more than 120 billion micro payments globally § Proven track record with integrating messages per year solutions targeted at § Solidly positioned banking services + Mobile Operator and FSI as the key § Unparalleled breadth protecting data for and depth of in over § Live customers intermediary FSI globally 700+ carrier deployments in mature between Mobile relationships and emerging markets Operators and FSI § Over 4,500 employees to growth in 60 Countries § Leading R&D efforts § Hosted, License and mCommerce § >$1B revenue & in carrier mobility transaction based model § International profitable § Leader in mBanking presence via 60 application and § Leading R&D efforts in offices across the services mCommerce solutions world Sybase Confidential
  4. 4. mCommerce adds value to all players in the ecosystem but barriers exist .. Consumer Banks and Card Networks § Saves time § Reach new markets § Eliminates the hassle of § Increase transactions handling cash § Lower costs § Gains flexibility with one § Leverage fraud mitigation interface for many payment Loyalty and compliance processes options § Build customer loyalty and § Has enhanced security Cooperation stickiness Business models Merchant Technology Mobile Operators $ Adoption § Gains revenues from: § Deepen customer § Faster processing Economy relationships § Spending lift § Gain new revenue § Mobile couponing streams from processing § Reduces need for cash and billing § Increases customer loyalty § Have opportunity to § Drives merchant card usage disintermediate banks The market requires trusted and proven leaders to take mCommerce forward Source: The Tower Group, Inc. 2008 Sybase Confidential
  5. 5. Sybase365: global leader in mCommerce mCommerce End-to-End Solution mBanking mPayments mRemittance Business Consulting Customer Support for all Mobile Channels Success Integrated Mobile Marketing Embedded Business Intelligence Global Interoperability Reach Global Messaging Global Data Roaming Sybase Confidential
  6. 6. End-to-End - Need for an integrated mCommerce solution Evolution of Requirements mBanking mPayments and mRemittance mTopup §Account balances §Wallet management with §Manage a Friends-and- §Transaction History multiple sources of funds Family-Lists §Account details §Topup of any prepaid phone §Buy a remittance voucher directly or via vouchers online, at an agent or in §Card Management any retail location, §Remote and proximity §PIN Management enabled purchases at any §Money transfer from an §Complaints Management merchant acceptance point agent, a wallet or account. §Notifications/alerts to §Money Transfer to known or §Remittance to an agent, a receive account activity or unknown consumers wallet or into an account threshold alerts §Bill payments and §ATM cash-outs w/o a card. §User preferences such as §Loans repayments §Airtime Transfer across languages or limits §(Microfinance) borders. §… §… §… Cost Savings New Services New Value Sybase Confidential
  7. 7. Customer Success - Implement mobile communities around “low-value, high-frequency” propositions Banking Bill TopUp Payments Emerging Markets Mobile Loans Content Mob. Re- mittance Communities Mob Re- Mobile mittance Self Payments TopUp Developped Markets Mobile Mobile Content Banking ,,, Sybase Confidential
  8. 8. What do CGAP say about mCommerce models? Sybase Confidential
  9. 9. M-commerce Service examples •m-FI •Payments • MFI / SACCO / Bank • Airtime self top-up • m-Banking, m-Cash-In/Out • Merchant payments • MFI/SACCO Loan repayments • Utility payments (Water, Electricity, Gas) • Alerts • School finances & payments • Accounts On The Street • Churches • Hospitals, Pharmacies •Business • Ticketing • Lottery • SME/B2B trading & settlement • Farmers, Fishermen, Coops • SME hosted Accounting • Corporate deliveries • Salaries, Pensions, Benefits •m-Insurance & Medical •Disbursements • micro payments • Salaries, Welfare, Pensions, NGO • Alerts •Government Collections •Transfers • Income Tax, Corporation Tax, VAT, • P2P Car/Road Tax, TV licence, National Pension Schemes, Council / Municipality Tax • Agent 2 Agent Transfer (e.g. Post Office) • B2B •International Remittance Sybase Confidential
  10. 10. Core Banking The Unbanked Services Banking The Unbanked – Core Services Direct by User via Agent Recharge Load Bill Transfer & Recharge & Present & M-Banking Account Bill Transfer & & Pay Credit Remittance Payment Funds Unload Remittance Funds Sybase Confidential 10
  11. 11. Funds Management Location of Stored Funds: Cash-In/Out Points: •Stored Value Accounts (SVA) •Street Agents •Linked MFI Accounts •Merchant Agents •Linked Bank Accounts •shops, fuel stations, bars, restaurants •Post Offices •Funds security •MFI/Bank Agents/Branches •Trustee Accounts at partner bank •Insurance Agents •Pre-funded agents •Schools •Cardless ATM •Scratch Cards (cash-in) •Payment cards / Debit cards Sybase Confidential
  12. 12. Source of Funds Hierarchy of ‘Banked’ status § Unverified Source Of Funds § No KYC • Virtual Account § Basic ID • Stored Value Account § Tight transaction count & Unbanked • Auto-Open Account value limits § Partial Authentication • Micro Finance debit account § Partial KYC • Stored Value Account Semi § Verified ID banked • Limited Bank Account § Higher transaction limits § Full Authentication • Full Bank account § Full KYC Fully • Debit/Credit Card Banked § Normal banked limits Auto-Account opening on a P2P transfer Intention to move customers from Unbanked to Fully Banked status Applies to Merchants & Subscribers Sybase Confidential 12
  13. 13. paybox independent m-commerce projects in Africa – Trading Footprint •Agnostic, MNO & Bank independent •Initiatives designed to cover economic regions •Interconnection of trade (remittances) •Common platform •Shared strategies under and products construction •Joint marketing Sybase Confidential
  14. 14. mCommerce with Sybase 365 in a nutshell § live mCommerce deployments with more than 15 million end consumers and 20,000 merchants. § Interoperability between mobile payment networks with established industry reference points; § Global leader in mobile messaging services delivering 200+ Billion messages a year with reach to more than 2.7 billion mobile subscribers Why Sybase § Customers include more than 200 leading financial can lead institutions, and more than 700 operators worldwide. mCommerce § Complying with industry standards including ISO 9001, Payment Card Industry (PCI), § Certified by the GSM-Association as an official GSMA Mobile Money Vendor. § Wholly owned subsidiary of Sybase, Inc., (NYSE: SY); with revenues in excess of US$1.1 billion and over 4,500 employees in 60 Countries. Sybase Confidential
  15. 15. Summary • Extensive global “Reach and Range” in mobile services • The most complete solution in the mCommerce market today Sybase Inc. has been ranked at the top of the latest non-NFC mobile commerce Vendor Matrix released by ABI Research “Sybase, through its acquisition of mobile commerce pioneer Paybox, has the most successful program today,” he said. “That experience, combined with Sybase’s strong MNO relationships, earns them top ranking.” May 19, 2009, ABI Research • Extensive Banking-the-Unbanked focus for the African market • Pan-African project footprints in place • Considerable solution design & delivery capabilities and experience Sybase Confidential
  16. 16. Contact Details Shaun Campbell Director, Business Development, Sub-Saharan Africa - mCommerce Email: Phone: +254 71 302 6346 Sybase Confidential