The document discusses four lessons from the Gates Foundation's mobile money portfolio.
Lesson 1 is about focusing on services that solve major problems for customers and have a "wow factor".
Lesson 2 is that mobile money is a retail play that requires partnerships with extensive retail networks.
Lesson 3 notes that initially everything works against mobile money services, but network effects can provide benefits at critical mass.
Lesson 4 advocates an initial "big push" approach using heavy marketing to build trust and promote adoption before more incremental growth.
Web and Mobile Payments are gaining traction in Nigeria today. This slide presents the facts and figures behind these channels and seeks to recommend how uptake can be stimulated by consumers
Web and Mobile Payments are gaining traction in Nigeria today. This slide presents the facts and figures behind these channels and seeks to recommend how uptake can be stimulated by consumers
M-PESA is a mobile based transfer of money between customers, facilitated by network of retail agents. Kenya is the first country to have adopted M-PESA where the model witnessed huge success and is contributing big way in enabling financial inclusion in the country. Deployment of M-PESA in India can bring similar benefits as experienced in Kenya. Growing mobile penetration in rural areas would ensure that people are able to benefit from mobile based money transfer concept. Indian regulatory system has also been gearing up to allow technology benefits in enabling financial inclusion, developments are only at introductory stage.
M-Pesa Case study.
This is our last teamwork university project. This time we had to analyze M-Pesa, that is a mobile SIM card based company that facilitates the way to transfer money. M-Pesa is the first "Fintech" company because they used before everyone else the SIM card system to financial services purposes.
This app allows people to transfer money in safety and fast way.
This company was born in Kenya, they were the first to bring 4G in the country. M-Pesa represents a milestone for the African innovation ecosystem.
I want to thank my colleagues for the excellent workflow, for the collaboration during the process and for a full and totally work ethic.
Thanks to Sofia Auddino, Carlo Liviero, Giovanni Fabris, Alessandra Cancellari, Lucrezia Wally Bestetti, Francesco Ghezze.
And Thanks to H-FARM Education
#lessons #innovation #Africa #digitalpayments #bank
#economy #digital #hfarm
Telco Applications are category of applications that are integrated directly with APP CORE, a secure environment within the mobile telecommunication Operator’s Core Network, which provides services to the subscriber that only the telecommunication Operator can provide.
Bkash is the revolutionary Mobile financial services provider in Bangladesh. We have shared the future growth prospect of the MFS industry in Bangladesh and an optimistic take on Bkash valuation .
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
International Regulatory Practices for Digital Financial ServicesJohn Owens
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
Leading Mobile Financial Services Provider : mFino by Sridhar ObilisettySridhar Obilisetty
mFino is one of the leader in providing mobile financial services platform that enables the delivery of a full spectrum of financial services that meets the current needs of financial institutions, mobile operators, distributors and retailers
M-PESA is a mobile based transfer of money between customers, facilitated by network of retail agents. Kenya is the first country to have adopted M-PESA where the model witnessed huge success and is contributing big way in enabling financial inclusion in the country. Deployment of M-PESA in India can bring similar benefits as experienced in Kenya. Growing mobile penetration in rural areas would ensure that people are able to benefit from mobile based money transfer concept. Indian regulatory system has also been gearing up to allow technology benefits in enabling financial inclusion, developments are only at introductory stage.
M-Pesa Case study.
This is our last teamwork university project. This time we had to analyze M-Pesa, that is a mobile SIM card based company that facilitates the way to transfer money. M-Pesa is the first "Fintech" company because they used before everyone else the SIM card system to financial services purposes.
This app allows people to transfer money in safety and fast way.
This company was born in Kenya, they were the first to bring 4G in the country. M-Pesa represents a milestone for the African innovation ecosystem.
I want to thank my colleagues for the excellent workflow, for the collaboration during the process and for a full and totally work ethic.
Thanks to Sofia Auddino, Carlo Liviero, Giovanni Fabris, Alessandra Cancellari, Lucrezia Wally Bestetti, Francesco Ghezze.
And Thanks to H-FARM Education
#lessons #innovation #Africa #digitalpayments #bank
#economy #digital #hfarm
Telco Applications are category of applications that are integrated directly with APP CORE, a secure environment within the mobile telecommunication Operator’s Core Network, which provides services to the subscriber that only the telecommunication Operator can provide.
Bkash is the revolutionary Mobile financial services provider in Bangladesh. We have shared the future growth prospect of the MFS industry in Bangladesh and an optimistic take on Bkash valuation .
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
International Regulatory Practices for Digital Financial ServicesJohn Owens
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
Leading Mobile Financial Services Provider : mFino by Sridhar ObilisettySridhar Obilisetty
mFino is one of the leader in providing mobile financial services platform that enables the delivery of a full spectrum of financial services that meets the current needs of financial institutions, mobile operators, distributors and retailers
Dissecting A Startup : EFarm - Innovations in the Farm-to-Home Supply Chain Venkata Subramanian
A presentation made by eFarm's founders at IFMR/ICAAP Chennai, India on Feb 24th 2009. The talk centred on 2 themes - a behind the scenes look of a operational startup and typical journey taken . Secondly it was centred on agri supply chain issues in India and how eFarm is specifically filling the gaps.
Building a sustainable business model for the mass retail clients, v2 june 2013Kevin Chetty
Kevin Chetty, focusing on building a sustainable Mass Retail Bank business model. Creating an ecosystem of interdependencies, helps entrench a sustainable model. The focus is on delivering a low cost business model.
Payment IQ Bootcamp #5 - Alternative Payments, What to Do When Plastic Isn't ...ROI Payments
While plastic, via credit and debit cards, dominate electronic transaction methods in the West, that isn't the case in global markets. This webinar explains how merchants can develop a strategy to evaluate and implement some of the 200+ alternative payment methods used throughout the world.
Multichannel and omnichannel (Will Hesketh)Will Hesketh
The poster to shows the distinction between multichannel and omnichannel.
With the customers journey you are able to see what a happy customer 'omnichannel' would expect compared to a unhappy customer through 'multichannel', helping distinguish the two extremes.
Below this if a brief timeline showing how it has evolved.
Payments Landscape: A Merchants Perspective - Presentation at Payments Innova...TheEmob.org
presentation delivered at #CFOPayments - Payments Innovation Summit in Chicago, IL on June 11-12. by Eli Katz, of TheEmob.org - discusses various entrants in payments in particular online and mobile, who is disrupting and who is being disrupted.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
An introduction to the cryptocurrency investment platform Binance Savings.Any kyc Account
Learn how to use Binance Savings to expand your bitcoin holdings. Discover how to maximize your earnings on one of the most reliable cryptocurrency exchange platforms, as well as how to earn interest on your cryptocurrency holdings and the various savings choices available.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
Buy Verified PayPal Account
Looking to buy verified PayPal accounts? Discover 7 expert tips for safely purchasing a verified PayPal account in 2024. Ensure security and reliability for your transactions.
PayPal Services Features-
🟢 Email Access
🟢 Bank Added
🟢 Card Verified
🟢 Full SSN Provided
🟢 Phone Number Access
🟢 Driving License Copy
🟢 Fasted Delivery
Client Satisfaction is Our First priority. Our services is very appropriate to buy. We assume that the first-rate way to purchase our offerings is to order on the website. If you have any worry in our cooperation usually You can order us on Skype or Telegram.
24/7 Hours Reply/Please Contact
usawebmarketEmail: support@usawebmarket.com
Skype: usawebmarket
Telegram: @usawebmarket
WhatsApp: +1(218) 203-5951
USA WEB MARKET is the Best Verified PayPal, Payoneer, Cash App, Skrill, Neteller, Stripe Account and SEO, SMM Service provider.100%Satisfection granted.100% replacement Granted.
4. FSP’s Strategy in a Nutshell The poor demand savings services and are bleeding money using inadequate tools Branch-based models are too expensive to bring savings services to the poor Agent-based models are the only way to take enough cost out of the equation…and these must be built on the back of an e-payment system
Income & Consumption: Many rural households manage multiple, irregular, and seasonal income streams (e.g., farming, casual labor, etc.). Health: Unexpected doctor visits or surgery require payments in cash, and can cost between 7-66% of annual household income. Enterprise Growth: For micro business and growing farms, working capital loans and savings are needed to buy equipment, purchase inventory, and invest in customer outreach 1 . Protection from Bumps and Shocks: The poor try to insure against unexpected illness, economic crises, or natural disasters by saving money and diversifying their income and assets. Life Events: Weddings, rituals, or deaths require lump sums of money as they can cost 3-20% of annual household income and can be unexpected. Education: People need lump sums of money available two to three times per year to pay for their children’s school tuition, textbook costs, and exam fees. Source: Chen, M. and Snodgras, D. “ Managing Resources, Activities and Risk in Urban India: The Impact of Sewa Bank ” (2001); Cohen M. “ Microfinance, Risk Management and Poverty ” (2001). 1 Accessing working capital loans or building up savings are especially important for enterprise growth, because purchasing raw materials and supplies in larger volumes can lead to lower prices.
Manage GRANULARITY Reduce customer access costs (travel, waiting time) by placing outlets closer to people. De-risk: Use cell phones to reduce set-up cost per outlet. Make ongoing costs variable by paying agent commissions per transaction. Drive minimum agent profitability in the face of small local customer bases by meeting the broader payments needs of the community. Manage NETWORK SCALE EFFECTS Supply side: Exploit large fixed/low variable cost structure by driving volume. Volume reduces unit cost per transaction. Demand side: The value for an individual of being part of the network increases as the number of network end-points increases. Number of users drives customer’s willingness to pay per transaction. Manage COMPLEXITY There is constant tension between the need to maximize: Economies of scale: exploiting fixed-cost nature of software platforms Economies of scope: offering multiple & evolving products to maximize customer relevance & value Simple cost allocation rules can make lower value customers appear unprofitable. Exception handling is costly.
Manage GRANULARITY Reduce customer access costs (travel, waiting time) by placing outlets closer to people. De-risk: Use cell phones to reduce set-up cost per outlet. Make ongoing costs variable by paying agent commissions per transaction. Drive minimum agent profitability in the face of small local customer bases by meeting the broader payments needs of the community. Manage NETWORK SCALE EFFECTS Supply side: Exploit large fixed/low variable cost structure by driving volume. Volume reduces unit cost per transaction. Demand side: The value for an individual of being part of the network increases as the number of network end-points increases. Number of users drives customer’s willingness to pay per transaction. Manage COMPLEXITY There is constant tension between the need to maximize: Economies of scale: exploiting fixed-cost nature of software platforms Economies of scope: offering multiple & evolving products to maximize customer relevance & value Simple cost allocation rules can make lower value customers appear unprofitable. Exception handling is costly.
Manage GRANULARITY Reduce customer access costs (travel, waiting time) by placing outlets closer to people. De-risk: Use cell phones to reduce set-up cost per outlet. Make ongoing costs variable by paying agent commissions per transaction. Drive minimum agent profitability in the face of small local customer bases by meeting the broader payments needs of the community. Manage NETWORK SCALE EFFECTS Supply side: Exploit large fixed/low variable cost structure by driving volume. Volume reduces unit cost per transaction. Demand side: The value for an individual of being part of the network increases as the number of network end-points increases. Number of users drives customer’s willingness to pay per transaction. Manage COMPLEXITY There is constant tension between the need to maximize: Economies of scale: exploiting fixed-cost nature of software platforms Economies of scope: offering multiple & evolving products to maximize customer relevance & value Simple cost allocation rules can make lower value customers appear unprofitable. Exception handling is costly.
Manage GRANULARITY Reduce customer access costs (travel, waiting time) by placing outlets closer to people. De-risk: Use cell phones to reduce set-up cost per outlet. Make ongoing costs variable by paying agent commissions per transaction. Drive minimum agent profitability in the face of small local customer bases by meeting the broader payments needs of the community. Manage NETWORK SCALE EFFECTS Supply side: Exploit large fixed/low variable cost structure by driving volume. Volume reduces unit cost per transaction. Demand side: The value for an individual of being part of the network increases as the number of network end-points increases. Number of users drives customer’s willingness to pay per transaction. Manage COMPLEXITY There is constant tension between the need to maximize: Economies of scale: exploiting fixed-cost nature of software platforms Economies of scope: offering multiple & evolving products to maximize customer relevance & value Simple cost allocation rules can make lower value customers appear unprofitable. Exception handling is costly.
Manage GRANULARITY Reduce customer access costs (travel, waiting time) by placing outlets closer to people. De-risk: Use cell phones to reduce set-up cost per outlet. Make ongoing costs variable by paying agent commissions per transaction. Drive minimum agent profitability in the face of small local customer bases by meeting the broader payments needs of the community. Manage NETWORK SCALE EFFECTS Supply side: Exploit large fixed/low variable cost structure by driving volume. Volume reduces unit cost per transaction. Demand side: The value for an individual of being part of the network increases as the number of network end-points increases. Number of users drives customer’s willingness to pay per transaction. Manage COMPLEXITY There is constant tension between the need to maximize: Economies of scale: exploiting fixed-cost nature of software platforms Economies of scope: offering multiple & evolving products to maximize customer relevance & value Simple cost allocation rules can make lower value customers appear unprofitable. Exception handling is costly.