Connected World Forum

31 OCTOBER - 3 NOVEMBER 2011, DUBAI

E VE N T SHOWGUIDE
Your essential guide to what’s on, where
and when at this cutting-edge event.

Incorporating:

www.connectedworldforum.com +44(0)20 7067 1831 cwf@clarionevents.com

Operator Partners: Platinum Sponsor: Gold Sponsors: Silver Sponsors: Bronze Sponsors:

walletXpress
Next generation recharging and mobile payment
A convenient and secure shopping experience – anytime and anywhere

Siemens Communications, Media and Technology

Quick, easy, anytime, anywhere and above all, reliable and secure – this is how your
subscribers should be able to recharge their prepaid accounts and use their mobile
phone to pay for services as well as digital and hard goods.
Highly capable of being integrated, easy to manage, absolutely reliable and secure
– these are the requirements the corresponding platform has to meet.
walletXpress matches these expectations – all of them!
With walletXpress, you offer your subscribers a convenient and secure shopping
experience with comprehensive recharging and mobile payment options.

Visit us at booth no. 2 www.siemens.at/walletXpress
2 w. www.connectedworldforum.com


Welcome to Connected World Forum

Dear Colleagues,
It is with the utmost pride and pleasure that I welcome you to the very first Connected World Forum.
As many of you know, my team and I have been working in the mobile money space for the past four years, the mobile
health space for the last two, and over the past 12 months have witnessed an increasing amount of convergence across technologies
and applications. For these reasons we felt 2011 was the right time to bring together our mobile money and mobile health conferences
to form Connected World Forum - a large scale, multi tracked conference that focuses specifically on the future of mobile life services
across Money, Health, Education, Ticketing and Agriculture.
I’d like to thank our Operator Partners Vodafone and Telenor plus our platinum sponsor ProgressSoft , all of our sponsors, exhibitors
and partners, for supporting our vision of bringing together so many key stakeholders from across the various mobile lifeline verticals.
In areas such as these, open platforms, common standards and honest dialogues are imperative for driving subscriptions, usage and
life changing innovation.
We’ve got a wonderful speaker roster at Connected World Forum, representing key mobile life programs from across both emerging and
developed markets - I thank them all for their invaluable contributions this week.
I hope you all visit the booths in our new extended exhibition area and get to listen to a number of the technology demonstrations that will
take place during breaks on the expo show floor.
I hope the event serves your needs well and you meet the people that you need to. If you need any assistance at all over the coming few
days, don’t hesitate to contact me or a member of my team – we’ll be happy to help.
Warm regards

Steve Clarke
Founder, Connected World Forum

Welcome from Vodafone
The mobile phone is one of the transformational technologies to emerge from the twentieth century, another is the Internet. These two
platforms are now coming together and their convergence means that true global connectivity is
almost upon us.
The progression from voice to data via mobile is expected to be just as transformational as the initial rise of mobile phones. Soon the first
internet experience for many will be through a mobile device, as mobiles are more affordable and mobile networks more pervasive than
fixed line alternatives. This is particularly evident in emerging economies where the lack of infrastructure has meant that mobiles have
become a platform for innovation across multiple sectors including better healthcare delivery, improved farming practices and access to
financial services. Consider, for example, the success of our own money transfer service M-PESA, that now has over 20 million customers
and regularly transfers over US$ 500 million a month. ‘Connectivity’ in emerging economies really means ‘mobile connectivity’.
Vodafone is excited to be a leader – along with key industry, government and NGO partners – in making possible these transformational
innovations that improve the lives of hundreds of millions around the world. We are honoured to be the Operator Sponsor of this
year’s Connected World Forum/Mobile Money event and welcome both your participation and the chance to work with you as mobile
communications seek to change the world, again.
Matthew Kirk,
Group External Affairs Director,
Vodafone

t. +44 (0) 20 7067 1831 3


Contents
Welcome 3

Programme at a Glance 7

UAE Market Brieﬁng Report 8-9

Mobile Money Academy Pre and Post Workshop 11

Mobile Money Conference Day 1 and Mobile Money Awards 12-13

Mobile Money Conference Day 2 14-15

Mobile Money Portfolio of Events 16

Mobile Money Advisory Board 17-19

Mobile Money Speaker Biographies 21-24

Mobile Money Sponsors and Exhibitors 27-31

Mobile Money Association and Media Partners 31

Mobile Money Explained: Vodafone 33

Mobile Money Explained: Turkcell 35

Mobile Health Academy Pre Workshop 37

Mobile Health Conference Day 1 37-38

Mobile Health Conference Day 2 38-39

Mobile Health Advisory Board and Speaker Biographies 43-44

Mobile Health Explained: Orange Austria, 02 Health 46

Mobile Health Sponsors, Association and Media Partners 48

Mobile Life Conference Day 1 and 2 51

Mobile Life Speaker Biographies 51

365 Communication 52-53

Want to upgrade to an all access pass?
Special onsite price - access all areas for only £250*. Please visit the registration desk
to upgrade your pass.
*Price valid for full paying conference delegates only. Expo Only Pass holders, please visit the registration desk for more information on upgrading

t. +44 (0) 20 7067 1831 5

Pre-Conference Workshops: Monday 31 October: 10.00-17.30
Conference Day One: Tuesday 1 November
09:00 CHAIRMAN’S INTRODUCTORY REMARKS
Connected World Forum Plenary Sessions
11:10 COFFEE AND NETWORKING

11:30 OPENING REMARKS FROM THE CHAIR
Rolling out a country-wide mobile payment Smart Health - Facilitation Healthcare through
service Connected Communities
Panel: the VAS that will encourange active Mapping out the mHealth evolutionary path & Mobile Agriculture – Leveraging mobile
mobile money usage and put a stop to forecasting growth & new opportunities in the applications to support the evolution of the
dormancy industry agriculture industry in Africa
Offering cost efficient and convenient MMT The status of mHealth in India and identifying
services the main challenges and opportunities
How mobile money is accelerating innovation in
the developing world Panel: Who will drive the mHealth industry?
13:30 LUNCH AND NETWORKING
Case study: Orange Money in Kenya Case Study: Orange Austria case study: A
successful mHealth programme 1.5 years on
Building a structured & successful mHealth
ecosystem
The future of global mobile commerce Technology convergence and mobility in
healthcare
Case study Tanzania: reaching new markets Leveraging m-Health to increase efficiency and
through M-PESA reduce costs in the healthcare industry
Unlocking potential for mobile money by Using mHealth in the rain affected areas of
integrating with e-commerce Pakistan
How mobile microfinance is being used to
support agricultural development
Case study: Mi-life mobile micro-insurance in Introducing m-Pharma: mHealth’s thin wedge
Ghana or a new ecosystem altogether?
Panel: Interoperability
18:10 CLOSING REMARKS FROM THE CHAIR FOLLOWED BY NETWORKING DRINKS AND THE MOBILE MONEY AWARDS
Conference Day Two: Wednesday 2 November
09:00 CHAIRPERSON’S INTRODUCTORY REMARKS
Adapting business models for the evolving How to ensure the technology used in your
mobile money ecosystem mHealth programme is offering secure and
patient-centric healthcare
Taking your mobile money programme to the Working with partners effectively to deliver Understanding how du are leveraging mo-
next level easy to use commercial mHealth services for bile learning apps to promote their e-Health
senior citizens services
Case study: MCB Mobile Delivering healthcare the mobile way
Extending mobile financial services to the
underbanked in the Pacific islands
10:30 MORNING AND COFFEE NETWORKING
Case study: roll out to commodity buyers and Roundtable discussions
supply chain payments in rural PNG
Exploiting the potential of mobile remittance
The role of branchless banking in creating
transformational financial services
13:00 LUNCH AND NETWORKING
Global mobile money Emerging mobile Singapore’s personal health management Vodafone’s Digital Communities
innovation money developments strategy to engage people and communities
in MENA through innovative consumer health
technologies
Case study: achieving The transition from a Call centre 101: Deploying an mHealth
profitability & bank led to an MNO service that provides 24 hour access to health
reducing churn led business model information and advice
Targeting young Deploying mHealth services to actively support
micro-entrepreneurs/ remote patient healthcare with increased
low income customers efficiency and reduced costs


Tapping into the potential of mobile money in Analysing public demand and standards for
LatAm mHealth
Launching Europe’s first mobile MNO TSM Creating standards and certification that
solution for NFC Payments promote interoperability throughout the
Deployments in Turkey - bank perspective mHealth ecosystem

mHealth in health information delivery: the
Indian market

17:30 CLOSING REMARKS FROM THE CHAIR

Market briefing report
Mobile Financial Services in UAE – A Key Role in eTransformation
Key points
• Mobile payments are promoted by Government initiatives such as identity cards and mPay
• The Wage Protection Scheme triggered a wave of prepaid cards which provide a perfect partner for mobile money
• With key segments, expatriates and youth set to benefit from new services, expect to see MFS take off in UAE

Segments and Services mPay sees 50% rise in collection

The UAE is part of the “MENA” region, which comprises 20 Mobile payments are part of a key Government initiative to
Arab states and has 68% of the world’s oil. As the second put the “Customer First”. The mPay service for public to
largest economy in the Middle East it has excellent pros- pay using SMS realised a 50% rise in collections over the
pects for growth. From being a cash-based society it has first half of 2011.
continued to shift towards financial cards and MFS.
As part of the ePay initiative, it made payments easy and
Two key segments encourage the growth of mobile money. accessible from any phone. By connecting with the UAES-
Firstly, expatriates constitute the majority, with only WITCH at UAE Central Bank, Dubai eGovernment allowed
around 20% being UAE nationals, and for them, mobile fee payment through its ePay portal through ATM card/
money has proved useful both in terms of receipt of pay direct debit to all 46 banks.
as well as for sending money home. Secondly, the youth
Emirates Identity Authority (EIDA)
segment, (roughly one third of the population) is under
the age of 30. EIDA oversees the Population Register and ID Card Pro-
gram. Like with the case of India’s Aadhar (discussed in
Wage Protection System
our last report), issuance of identity cards has been a key
In 2009 the Government introduced the Wage Protection enabler for mobile money. The electronic chip contains
System that compels all companies to pay employees face photo, name, date of birth, gender, nationality, moth-
through electronic payroll, with a checkpoint for Govern- er’s name, marital status, entry information, e-signature,
ment visibility of wage disbursement. as well as other information relating to nationality and
residence for expatriates such as sponsor’s number, type,
Prepaid and mobile
number and expiry date of residence permit. This greatly
This triggered a rapid growth in open-loop prepaid cards facilitates the provision of mobile money services provid-
in 2010 (closed loop required legal framework not yet ing a “hook” for AML/KYC management.
approved by Central Bank of UAE). For example the UAE
Regulations
payMAX card with G-Cash allows for receipt of wages
as well as sending money home. Prepaid cards found a A favourable approach to mobile greatly helps where
perfect partner in mobile. It becomes possible to properly otherwise legal matters are complicated by existence of
track the money on your card, making it into a mini “bank federal, emirate, and Islamic Sharia law.
account” on your phone. Leading issuers include Emirates
NBD, Standard Chartered Bank Plc, Mashreq Bank and
National Bank of Abu Dhabi.



Key players Key corridors from UAE include India, Pakistan, Philip-
pines and Bangladesh.
UAE, one of the most saturated markets in the Middle
East, is serviced by two main mobile operators Etisalat
and du.

du
40%
Etisalat
40%

Figure 1: Top mobile operators in UAE - market share

Etisalat headquartered in UAE, is one of the largest tel-
ecommunications companies in the world and the leading
operator in the Middle East and Africa. Figure 2: Remittances to and from UAE in US$ billions

Wallets launched To cater to them, in 2010 VoiceCash announced a service
to enable cross border remittance.
In June this year, Abu Dhabi Commercial Bank (ADCB)
partnered with Mobibucks, a mobile payments solu- What is next?
tions company based in the United States, to offer ‘Mobi’. UAE is certainly a market to watch, with more “firsts” to
Claimed to be globally the first of its kind, it is described be expected thanks to the progressive approach to mobile
as a cashless, cardless, paperless and phoneless pay- money.
ment. Consumers create a virtual account online, based
Find out more at this year’s Mobile Money Global Confer-
on their mobile number and a secret pin number, which
ence and Expo taking place in Dubai on November 1-2
they later use to make purchases.

Earlier in May, the National Bank of Abu Dhabi (NBAD)
Charmaine Oak
won best mobile payment application for its NBAD AR-
ROW service enabled by Luup. The service is SMS-based
and at the time of launch was the first of its kind. It ena-
bled mobile money transfers and ATM cash-out to anyone Specialist consultants in
within the UAE, whether or not they are registered users Global Digital Money
of Arrow.
Practice Lead www.ShiftThought.com
Remittance corridors
Digital Money contact@ShiftThought.com
The range of remittance services from UAE are claimed to
be one of the broadest in the world and include the UAE
Exchange MasterCard MoneySend service and payMAX
- both to the Philippines. Etisalat announced an alliance
with Western Union in February this year.

t. +44 (0) 20 7067 1831 9

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Simplify Complexity
Innovative the Business Model
Transform costs to cash

> Orga Systems FZ LLC | Oﬃce 203 | Bldg Number 8 | Dubai Internet City | P.O. Box 500081 Dubai | UAE

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Mobile Money Academy
Pre Conference: Monday 31 October 2011
10.00 Mobile money pricing and commission structures 14.30 Enterprise mobile money
• How to ensure your tariff and commission models are well • Expanding beyond p2p to offer corporate services such as
designed to increase revenues whilst attracting customers salary disbursement and invoicing
• The main pricing options and schemes • Reducing dormancy by offering new scalable mobile
• How can pricing drive usage? money services
• Role of airtime promotions • Encouraging active usage of accounts through innovative
Aiaze Mitha, CEO, Amarante Consulting loyalty and reward programmes
Djellali Mokhtari, CEO, Aikku
11.30 Coffee and networking
12.00 How to make money from mobile money
• How much must an MNO invest in mobile money before 16.30 Defining your agents and distribution models
turning a profit? • Creating relationships with super agents to save time
• How to manage costs to achieve profitability managing one on one relationships with agents and to
• How does an increase in ARPU and churn reduction increase brand trust
contribute to profitability? • Leveraging the support of your agents to manage fl oat
• Which mobile money applications are driving revenues? balancing, provide on the ground support and educate
customers about mobile money
Aleeda Fazal, Head of Mobile Money, Sicap
• Developing a viable commission model for your agents and
13.30 Lunch and networking incentivising agents to up-sell mobile money services
• Reviewing agent banking regulation to allow shared agent
networks and mandating providers to offer multiple cash out
channels such as ATMs, cards and POS
Aleeda Fazal, Head of Mobile Money, Sicap
17.30 Close of workshop

Mobile Money Academy
Post Conference: Thursday 3 November 2011
10.00 How airtime fits into the mobile money ecosystem 13.30 Lunch and networking
• International and domestic airtime top-up 14.30 How to build a robust and sustainable NFC infrastructure
• Increased frequency of top ups, customer retention and • Costs of building an NFC infrastructure in emerging markets,
revenue revenue sharing models and partnerships
• Relevance to mobile money solutions • Will NFC drive the adoption of mobile payments in developed
Mehdi Khlouf, CMO, Mobytop markets?
Joseph Ponnou, Head GCC Region, Mobytop • Convenience for service providers
• Incentivising merchants to incorporate NFC terminals at the
POS
12.00 How mobile money can be a new revenue opportunity 16.00 Coffee and networking
which helps telcos and banks earn commission from a
regular flow of payments that are guaranteed by the 16.30 How to mitigate fraud in mobile money
government • Consumer protection and PCI requirements
• How does mobile money work for government? • Impact on compliance procedures and record keeping
• Simplifying data management and producing accurate • What do the Anti Money Laundering and Counter Terrorism
accounting • Financing Regulations mean to you?
• Better management, monitoring, dispute resolution and • International gateways; who takes responsibility?
future forecasting Oracle
• Extending access to the Bottom of the Pyramid
• What does the telco bring to the business model? Access to a
critical mass of unbanked mobile customers who also need
social benefit payments
Aiaze Mitha, CEO, Amarante Consulting

t. +44 (0) 20 7067 1831 11

Conference day one: Tuesday 1 November 2011
Mobile Money and Mobile Health Plenary Sessions to take • How to manage cash in and out
place in the same conference room. • The opportunity for NFC payments in key markets
09.00 Chairperson’s introductory remarks Michael Wakileh, CEO, ProgressSoft

Hannes van Rensburg, CEO, Fundamo 11.50 Panel discussion: the value added services that will
encourage active mobile money usage and put a stop to
09.10 Keynote presentation: harnessing the power of dormancy
mobile money services and investing in community
• Incentivising agents, especially airtime vendors, to boost
development to bring an end to poverty
mobile money transactions by giving free prepaid top up
Julie Evans, Group Sustainability Director, External Affairs, • Creating targeted, ethnic centric marketing and promotional
Vodafone
strategies to encourage core customers to use mobile money
09.40 Keynote presentation: facilitating socio economic • Defining innovative and winning customer loyalty strategies
transformation in emerging markets through mobile • Expanding into salary disbursements and bill payments for
lifeline services small to medium enterprises – the high volume mobile money
Osman Sultan, CEO, du transactors
Christelle Toureille, Marketing Director METNA, Gemalto
10.10 Panel discussion: integrating mobile money and mobile
health to develop robust services for the 1 billion Roar Bjaerum, Vice President, Global Co-ordination, Telenor
individuals lacking access to healthcare systems and Enrique Beza Rodriguez, Senior Manager, Mobile Commerce,
financial services globally Etisalat
• How to leverage the ubiquity of the mobile phone to offer Vince Kadar, CEO, Telepin Software
financial services and healthcare provision
Jacques Voogt, Head of Financial Services, Vodacom
• The convergence of mobile money and mobile health: remote
payment and settlement of testing, labs, remote diagnostics Marcel Bruck, CEO, MobyTop
and encouraging savings towards medical procedures Neil McEvoy, Managing Director, Consult Hyperion
• Understanding the synergies between the mobile money
12.40 Offering cost efficient and convenient MMT services
and mobile health industries – common objectives to through your existing mobile network and banking
transact securely, quickly and cost efficiently; build digital infrastructures
infrastructures and business processes to establish an
ecosystem of mobile lifeline services in emerging markets • Reduce cash handling costs to gain a higher ROI
• Developing the business models and partnerships to offer • Utilise the mobile channel to cross sell other core banking or
integrated services, understanding the revenue opportunities data services
for stakeholders whilst offering cost effective services to the • Enable over the air transactions in real time whilst
consumer maintaining a high level of security
• Future uses of mobile money for m-health and the impact of • Deliver a positive customer experience and boost your
mobile health to spur demand for mobile financial services transaction volumes
Julie Evans, Group Sustainability Director, External Affairs, • Access new customers from the unbanked market
Vodafone • Evolve your infrastructures to go beyond remittances
Michael Joseph, Fellow, World Bank & Former CEO, Safaricom Jean-Claude Deturche, Senior Vice President, Mobile Financial
Services, Gemalto
Osman Sultan, CEO, du
13.00 How mobile money is accelerating innovation in the
Prof. Krishnan Ganapathy, President, Apollo Telemedicine
Networking Foundation, President, Telemedicine Society of developing world
India, President, Indian Society for Stereotactic & Functional • Ten clear lessons learnt for the successful deployment of
Neurosurgery
mobile money - examples from across Africa
Manish Gupta, CIO, Global Healthcare • How to build trust with your customers
Hannes van Rensburg, CEO, Fundamo • Moving on from mobile money systems; savings, insurance,
emergency credit - features customers want
Michael Joseph, Fellow, World Bank & Former CEO, Safaricom
11.30 Rolling out a country-wide mobile payment service
13.30 Lunch and networking
• Key collaboration of all stakeholders: MNOs, banks, retail
merchants and government
• Creating a number of use cases for mobile money including
person to person, person to business and person to
government payments
• Developing an ecosystem of banked and unbanked customers


14.30 Case study: Orange Money in Kenya – developing a new 16.30 Unlocking the potential for mobile money by integrating
business model combining the strengths of an MNO services with e-commerce
and bank to offer a new proposition in a mature mobile
money market • How digital goods and services can drive mobile money usage
in developed and developing markets
• Capitalising upon the market situation in East Africa:
• Identifying consumer needs and tailoring services to meet
advancements in technology to offer an open platform, phone
their demands
based account opening and agency banking regulation
• Overcoming the challenges to integrate e-commerce with
• What the MNO brings to the partnership: multi channel
mobile money services
access through STK, USSD, J2ME, branding and distribution
• What is the role of the bank? Providing mobile banking Neil Ahlsten, Head of New Business Development, Google
services, linking mobile money to core banking services and 17.00 Case study: Mi-life mobile micro-insurance in Ghana
providing security platforms
• Updating the mobile money service so that customers can
• Orange Money product features: phone to phone and bank to
have access to life insurance
bank transfers, higher transaction limits, send money to any
• Mobile phone as a cost efficient channel to lower the cost of
mobile network operator, 24 hour access to money through
collecting premiums and disbursing claims
phones and Orange Money debit card, ability to monitor and
repay loans • Advantages for MNOs and insurance companies: providing
a massive and efficient distribution platform and improved
Snehar Shah, Head of Mobile Money, Orange communications with the customer (e.g. using SMS
14:50 Advanced mobile money – how to build scale across reminders and interactive menus)
geographies • Empowering customers to manage their insurance policies in
a cost effective and accessible manner
• How we are up scaling our services in India, Senegal and
Kenya Eli Hini, General Manager Mobile Money, MTN Ghana
• Extending your retail penetration in low income markets 17.20 Panel discussion: how to make interoperable mobile
through agent networks to maximise distribution of mobile money a universally accepted form of payment
money services
• Looking at interoperability from different angles - network,
• Encouraging consumers to use mobile financial services with
connectivity and regulations
the opportunity to cross sell other products
• Increasing customer convenience through cross telco and
Deepak Chandnani, CEO, Obopay cross banking services
15.10 A global perspective on the future of mobile commerce • Creating common standards for replicable business models
• Update on how mobile commerce is evolving that will boost the scalability of mobile money
• How banks are moving beyond banking, and operators beyond • How different partnerships impact on profitability
payments • What is the role of the card association in the mobile money
• The rise of the independent financial service providers market
• Overcoming challenges in gaining regulatory approval
Matthew Talbot, Senior Vice President, mCommerce, Sybase 365
Kazi Md. Saiful Alam, General Manager, Regulatory,
15.30 Case study: reaching new markets through M-PESA –
revealing the potential of mobile money in Tanzania Grameenphone

• How we increased our customer base substantially through Pascal Di-Girolamo, Mobile Money Transfer Director, Gemalto
M-PESA Paul Thomas, Director Global Strategic Partnerships,
• Encouraging mobile money to become a part of customer’s MoneyGram
daily lives to boost transaction volumes
• Enterprise mobile money; more than 50 businesses using b2b Anirbban Goswami, Senior Manager, Axis Bank
& b2p cash disbursements, p2p transfers, loan collection, Bryan Maybury, Director Mobile Financial Services, Roamware
distribution and repayment
Lee-Anne Pitcaithly, CEO, WING
• Increasing our distribution network to make M-PESA available
on every street corner Hanney Ishak, CTO, CIT VERiCASH
• Extending the cash merchant network to support cash
Vince Kadar, CEO, Telepin Software
withdrawals from a bank account and for cash deposits into a
bank to encourage savings 18.00 Close of conference followed by
• M-PESA for social economic development: Government
Employee Pension Fund and Women Economic Initiative Mobile Money Awards and networking drinks

Jacques Voogt, Head of Financial Services, Vodacom
Mobile Money Awards
16.00 Coffee and networking M OBI
LE Mobile Money 2011 delegates are invited to
M ONEY attend the Mobile Money Awards Ceremony

t. +44 (0) 20 7067 1831 13

Conference day two: Wednesday 2 November 2011
09.00 Chairperson’s introductory remarks 11.00 Case study: Visa and emerging market entry strategies
for interoperable mobile money services

09.10 Expanding your mobile money business into new Brad Jones, Director, Mobile Money, Visa Inc.
markets and opening up new revenue streams 11.20 Gaining deeper insights into consumer behaviour to
• Capitalising upon the mobile money opportunity to counteract realise the full potential of mobile financial solutions –
declining growth rates and shrinking margins case studies from across the globe
• Keys to success; distinct knowledge on low income consumer • Understanding consumer motivations to enhance mobile
spending habits offering inexpensive but extensive distribution money propositions
services • Examples of how mobile financial service providers have
• Living in a connected world – developing next generation expanded service usage through a deeper appreciation of
mobile money services consumer needs
Ramez Younan, CEO, Orga Systems Srinivas Nidugondi, VP Mobile Financial Services, Comviva
09.30 walletXpress: the evolution of mobile payments on to 11.40 Case study: MCB Mobile – rolling out bank led
one platform transformational mobile money services in Pakistan
• Offering new services and products also in the area of energy, • Launching a shared, interoperable mobile banking platform to
medicine, and ticketing engage a critical mass of participants
• Developing open interfaces to support third-party platforms • Providing the impetus for banks to grow quickly and avoid
and applications and customising and personalising services losing market share by creating the next band of low cost
anywhere and anytime financial products through mobile phones
• Understanding the ecosystem around walletXpress with • How banks can utilise mobile money services to increase
global stakeholders revenues: mobile payment services provide the hooks for
• Complying with common standards and regulatory deposit floats
requirements Qasif Shahid, Head of Remote Banking & Business Development
Francesco Prato, Sales Director, Siemens & Executive Vice President, MCB
09.50 Adapting our business model to meet the needs of the 12.10 Exploiting the potential of mobile remittance: from
evolving mobile money ecosystem remittances competition to cooperation
• Developing a business case that offers a multitude of services • Increasing the international cross border mobile money
e.g. airtime top up, remittances and utility bill payments to opportunities through cooperation with key stakeholders
increase growth and revenues • Competitive developments in mobile money transfer
• How we set up our agent network and how we are expanding • Moving mobile money propositions beyond p2p transfers
our POS presence to enhance our distribution network Katia Hilal, VP Marketing & Alliances, eServGlobal
• Future plans to offer cross border mobile money services
Frederic Schepens, Senior VP of Mobile Financial Services,
Dan Cohen, General Manager, Movilway Belgacom
John Owens, Board of Directors, Movilway 12.30 Case study: roll out to commodity buyers and supply
10.10 The potential of mobile money in North Africa and chain payments in rural PNG
Middle Eastern markets: market assessments of Egypt, • Mobile money as a banking service which solves an
Tunisia and Morocco immediate and growing problem for buyers
• Developing the mobile money business case and • Establishing the active customer base (growers) ready to
understanding the key considerations when it comes to receive payment increases i
implementing your strategy • Building the localised ecosystem of eft pos merchants to
• How long does it take to roll out a mobile money programme? support cash-out and transactions
• Understanding the macro economy, culture, literacy levels,
David Kleiman, Consultant,Mobile Banking Agent Network
usage of VAS, competitive landscape and trust in mobile
Management, Bank of South Pacific
technology
Margarete O. Biallas, Global Lead Retail Payment Institutions & 13.00 Lunch and networking
Innovations, Access to Finance Advisory, IFC
10.30 Morning Coffee and networking


After lunch, the conference splits into two tracks, go to the one most relevant to you.

Global mobile money innovation Emerging mobile money developments in MENA
14.00 Business models: a look at emerging Papua New Guinea 14.00 Building a future-proof mobile strategy in finance
Annie Smith, Head of Mobile Financial Services, Digicel Scott Lowe, Business Development Director, eLeader
Vince Kadar, CEO, Telepin Software 14.20 The transition from a bank led to an MNO led business
model
14.20 Taking your mobile money programme to the next
level:introducing corporate mobile money services Sammy Tuffaha, Head of Mobile Commerce, Orange Jordan
Roar Bjaerum, Vice President, Global Co-ordination, Telenor 14.40 Developing our mobile payments product suite to attract
new customers and cross new regions and geographies
14.40 Mobile Money Implementation Progress and Key
Realisations – a Smart Money perspective Rashed Al Alabbar, Director Mobile Commerce, Etisalat
Jojo Malolos, Group Head of Financial Services, Smart 15.00 Vodafone Qatar’s mobile money journey to launch the
Communications Money Account product

15.00 Increasing your mobile money services’ profitability Irfan Ali, Head of Vodafone Money Transfer Distribution,
Peter Fredell, CEO, Seamless Vodafone Qatar
15.20 Learning from established markets and tapping into the Markus Bikker, Senior Product Manager, Vodafone Qatar
potential of mobile money in Latin America 15.20 Targeting young micro-entrepreneurs and low income
customers with mobile microfinance products and
Aiaze Mitha, CEO, Amarante Consulting
instigating new mobile money innovations
Ammar Hamadien, Program Director,
Products & Innovation, Zain


Plenary Session

16.10 Approaches for MNOs to offer mobile financial services 16.50 Launching world’s first multi - bank application solution
in countries with high bank account penetration - a case of UICC for NFC payments
study from Iran
• Defining our entry strategy to launch NFC payments
• How to assess the potential of mobile financial services in a • The importance of NFC as part of Turkcell’s ambition to be
country with high bank account penetration one of the leading non banking financial service providers
• Looking beyond the basic mobile money product portfolio to • The promise of offering financial services on a phone
find killer applications
• Real life cases from Turkcell mobile wallet implementations
Ali Reza Toloue, CEO, Jiring
Ergi Sener, Product Manager, Mobile Financial services,
Turkcell

16.30 International mobile money remittances – lessons 17.10 The roadmap for successful mobile payments
learnt and thoughts for the future deployments in Turkey from a bank’s perspective

Paul Thomas, Director Global Strategic Partnerships, • Shaping the mobile payments landscape in Turkey by setting a
MoneyGram common standard
• What role will mobile network operators have to play in the
payments market?
• How banks can take advantage of mobile banking to increase
new revenues
• Example of mobile payment use cases from Garanti Bank
Ulas Erdur, Product Manager, Mobile Payments, Garanti Bank
17.30 Close of conference and end of day two

t. +44 (0) 20 7067 1831 15

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Mobile Money Conferences allowed me to understand what is the state of the art
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Mobile Money Advisory Board
Abhishek Sinha, Eko India Financial Services
Abhishek is responsible for the strategy and vision of Eko. His focus areas are regulations, compliance, corporate governance, generating
disruptive business ideas, and building the leadership team at Eko. He also plays supportive roles to his colleagues in the areas of business
development, product architecture and fund raising. Abhishek believes in the creation of wealth and degrees of freedom. After a short stint in
the telecom division of Satyam, Abhishek discovered that his true calling was entrepreneurship. He co-founded Six DEE Telecom Solutions,
a telecom value added services company and grew the business to span nine countries and fifteen operators. In February 2007, Abhishek exited Six
DEE to pursue his vision to promote mobile phones as a financial identity for people at the bottom of the pyramid. His passion for simplicity of user
experience and zeal for democratizing access through cost-reduction, led to the development of the basic principles on which Eko is based. Those ideas
were validated when he won the TIE-Canaan Entrepreneurial Challenge, 2006. Abhishek continued to learn from Telecom and tailor technology as well
as business processes to suit the needs of the financially excluded. The merit of the idea to use mobile technology as a means to achieve scale and cost
effectiveness for financial service delivery were re-confirmed during a chance visit by Mr. Bill Gates in November 2008. Abhishek dreams of a cashless
world where every individual could be a merchant and every phone, the equivalent of an ATM.
Aiaze MITHA, Principal, Amarante Consulting
Aiaze Mitha is the founder of Amarante Consulting, a boutique consultancy specialized in mobile financial services, and a consultant to
the IFC Access to Finance team for all matters related to mobile financial services in Latin America. A renowned international figure in the
mobile financial services industry, Aiaze combines first-hand implementation experience with direct involvement in over 20 branchless
and mobile-banking projects across Africa, Asia, Middle East and Central America. He has successfully supported Mobile Operators,
Microfinance Institutions, International Banks, Regulators and Vendors in various aspects of their mobile financial services initiatives, providing
strategic guidance, regulatory advice, product insights, technology expertise and implementation support. Over the last 2 years, Aiaze has been
directly involved in many mobile money implementations, and has significantly advanced Amarante Consulting’s involvement in Latin America and in
Africa. Previously Aiaze directed M-Paisa for Roshan, the leading mobile operator in Afghanistan. Prior to Roshan, Aiaze was Consulting Director with
Devoteam Middle East, with a focus on the Telecom Industry and Financial Sector.
Aleeda Fazal, Managing Director, Paradigm Solutions & Consulting
Aleeda Fazal is a highly regarded expert in the field of mobile financial services and has an excellent track record for delivering mobile
payment solutions in emerging markets. As Product Manager for Vodafone’s M-PESA pilot in Kenya, and as Senior Product Manager for
the deployment of M-Paisa in Afghanistan, Aleeda played an instrumental role in the development of the technology and gained valuable
experience in the operation of mobile financial services. Aleeda is currently an Advisor for the US Department of Defense on projects that aim
to create economic stability in Iraq through the development of the banking sector using mobile telephony.
Ali Abbas Sikander, Group Executive Director of Operations and Technology, Tameer Microfinance Bank
Abbas is currently the Group Executive Director of Operations and Technology at Tameer Microfinance Bank and is responsible for overall
Operations and Distribution Infrastructure Deployment, support and day-to-day running of central operations. He is also spearheading the
branchless banking initiative for Tameer Bank. Abbas has had vast exposure with multinational banks over the past 15 years, with expertise
in development, management, sales and solutions, delivery of cash management, trade and treasury products to Corporate, Private and
Institutional customers. Prior to joining Tameer, he was based in Dubai looking after Export Agency Finance transactions in the Middle East for Citigroup.
He also worked with Operations and Technology Product Management for Citigroup in the UAE, where he was responsible for managing all aspects of
e-Business in the region to position and differentiate Citibank’s e-Business products. Prior to joining Citigroup, he worked as a senior management
consultant with Ferguson Associates, a part of Price Waterhouse, covering it’s IT and Business Process Re-engineering practice. Abbas also worked with
Merrill Lynch Future Inc. as a Technical Analyst from 1990 to 1991 in New York, USA.
Brad Jones, Director, Mobile Money, Visa Inc.
Brad is the Director, Mobile Money for Visa, responsible for the growth of the Visa Fundamo business in Asia Pacific. Based in Singapore,
Brad joined Visa in May 2010 and was initially based in Dubai where he was responsible for all mobile activity in North & West Africa, Middle
East and Pakistan. Previously, Brad had a nine year career with Australia & New Zealand Bank Limited (ANZ) in Australia and Asia, which
included a number of roles in operations, projects and general management. This included the role as the founding Managing Director of
WING Cambodia, a 100% owned entity of ANZ and one of the first mobile money implementations in South East Asia. This start-up role was responsible
for establishing a business providing payments services to the under and un-banked segment in Cambodia using cell phones as the primary interface.
The business commenced operation in November 2008 after an eight month start-up period, including regulatory approval, technology and business
build. By the time Brad left WING and ANZ in May 2010, the business had integrated into five mobile network operators, had a national network of
merchants and was providing financial services to thousands of Cambodians who had previously been under-served. WING had also been successful in
being awarded a Financial Insights Innovation Award in 2010, and was one of twelve finalists in the Wall Street Journal Asian Innovation Awards for 2010.
Brian Richardson, Founding Director and CEO, WIZZIT
Educated at Wits with a BCom and an MBA. Currently a Founding Director and CEO of WIZZIT, a recently launched bank operating as a
division of The South African Bank of Athens Limited aimed at the un and under banked segment of the population. WIZZIT was launched
in November 2004 and in providing affordable banking to the mass market was the first to launch as part of its offering, cell phone banking
that works across all the networks and all phones and SIM cards. WIZZIT solves not only an accessibility and affordability issue but from
a convenience point of view offers 24/7 real time transactions and hence is “Your Bank in Your Pocket.” WIZZIT is recognized as the global pioneer in
mobile banking.
Carol Realini, Executive Chairman, Obopay Inc.
Carol Realini is an imaginative pioneer whose foresight and business acumen have changed the landscape of technology, and whose
global vision is providing hope and a future for people in developing countries. In 2005, Carol Realini founded Obopay to meet the nascent
need for an industry leader in mobile payments. Today, Obopay - through partnerships with financial institutions, mobile carriers, handset
providers and merchants such as Societe Generale, MasterCard, Nokia and Essar - is using mobile phones to deliver financial services that
empower people’s life and work. Carol founded Obopay after traveling in Africa and recognizing that while mobile phones were ubiquitous, many people
didn’t have access to even the most basic banking services. Recognizing the need and opportunity in both industrialized and developing nations, Carol
designed Obopay’s business model to promote social and economic development throughout the world, by providing mobile savings, money transfer, and
payments to people everywhere.

t. +44 (0) 20 7067 1831 17

Charmaine Oak, Practice Lead, Digital Money, Shift Thought
Charmaine has the advantage of contributing to the global development of digital money from the perspective of the world’s leading money
transfer company Western Union, a global bank (Royal Bank of Scotland), a global mobile operator (Orange FT), a global Telecommunications
consultant (LogicaCMG) and a leading IT Consultancy Wipro. Charmaine’s area of expertise is in the crucial early phases of digital money
projects. Charmaine leads the Digital Money practice of Shift Thought, which specialises in knowledge integration for successfully launching
products within complex global ecosystems. Shift Thought provides regional reports, country entry strategy and adviceon strategic partnerships,
digital wallet specifications and creation of value added services. Consulting services and advice is based on a unique framework of the Digital Money
ecosystem providing current and contextual knowledge of digital wallets, players & partnerships, products & services, regulatory environment, consumer
markets, pricing, and business models.
Daniel Ayala, Senior Vice President Global Remittance Services, Wells Fargo Bank N.A.
Daniel Ayala manages product development, product management, operations and customer service for Wells Fargo’s consumer remittance
service activities. Ayala and his team manage the Wells Fargo ExpressSend service and other products focused on consumer remittances
to China, India, Vietnam, the Philippines, Mexico, Guatemala, and El Salvador. Ayala is a global payments systems expert with more than 16
years of related consumer and wholesale banking experience. Previously, he has been responsible for corporate and financial institutions
treasury management activities focused on product management, marketing and sales management for Citibank, JP Morgan Chase and Bank of
America. Over the past six years, Ayala has emerged as a renowned consumer remittances expert and has been widely recognized as a key industry
leader by regulators, the media and academia. He is a founding senior leader for Wells Fargo’s Latino team member resource group “Amigos”. He has
represented various lines of business in the Corporate Diversity Council.
Dare Okoudjou, CEO, MFS Africa Limited (Formerly Head of Mobile Money International Development, MTN)
Dare has more than 10 years experience in the Telecom industry. He joined MTN Group in 2006 where he has been involved in reviewing MTN-
Banking experiment in South-Africa and subsequently developing the Group’s mobile-payment strategy. He has overseen the implementation
of MTN MobileMoney across the Group’s 20 operations outside South-Africa. Dare is now co-founder and CEO of MFS Africa Limited a
company that provides consulting and turnkey payment services to MNOs and Banks. He is a founding member of the GSMA Working Group
for Mobile Money Transfer and is recognized as one of the world’s experts in the field. Prior to joining MTN, he has worked as a Management Consultant
with PricewaterhouseCoopers in Paris where he assisted leading Telecom & Media companies in Europe & Africa on strategy development and
implementation issues. He holds a MSc. in Telecom Engineering from ENST-Paris (France) and an MBA from INSEAD (France/Singapore).
Elmer M Malolos (Jojo), Head, Financial Services, Smart Communications, Inc. Philippines
Jojo is currently the GROUP HEAD for Financial and Load Services of the Wireless Consumer Division of Smart Communications. Inc. He is
also the CEO of Smart Hub, Inc. a subsidiary of Smart Communications focused on global mobile money. He has worked for Smart for more
than 7 years and spent his earlier years in the telecoms industry as a Management Consultant with the IBM Business Consulting Services, and
PricewaterhouseCoopers Consulting where he held director and Telco Services Sector business unit head roles in the ASEAN region. His areas
of focus in his consulting career covered strategic operations management, mergers, acquisitions & integration and organizational change management.
Graham A.N. Wright, Programme Director, MicroSave
Graham A.N. Wright helped design and establish the MicroSave programme and is currently Programme Director for India. Graham
pioneered much of the core of market-led approach used by MicroSave – in particular the Market Research for MicroFinance tools.
He has had a career of two decades of development experience underpinned by five years of experience in management consultancy,
training and audit with a leading accounting firm in Europe. He is a reformed Chartered Accountant. Graham has provided training and
technical assistance to a variety of microfinance institutions in Bangladesh, India, the Philippines and throughout Africa. He helped develop, test and
implement a sustainable rural savings and credit programme for BURO, now an influential microfinance institution in Bangladesh. He provided long-
term technical assistance to develop a rural finance system, using self-help “Savings and Loan Groups” linked to strong cooperatives in a remote
mountainous area of the Philippines. In Africa he sat on the steering committee that oversaw the design and testing of MPesa and in Asia he heads
several teams working on e- and m-banking solutions for banks and MFIs.
John Owens, Director, Movilway
A lawyer and recognized expert in the field of microfinance and mobile money services with more than 23 years of field experience in
Africa, Asia, the Caribbean, Latin America and the Middle East. He has worked on using mobile money to support mobile financial services
in collaboration with mobile money issuers and banks as well as coordinated with bank regulators since 2004. As Chief of Party for the
USAID-supported Rural Bankers Association of the Philippines (RBAP) Microenterprise Access to Banking Services (MABS) program, he
has worked directly with Globe Telecom’s G-Xchange Inc. to promote the use of GCASH in over 70 rural banks with over 1,000 branches and sub-offices
now making use of mobile money to provide mobile phone banking services across the Philippines. John is currently an independent board of director
member of Movilway and is on the international advisory panel of the Mobile Money Transfer (MMT) Forum.
Mehboob Chowdhury, CEO, Citycell Bangladesh
Mehboob Chowdhury has been in The Mobile Communication Industry for 10 years in various Senior Management Positions. A post
graduate in Management from the University of Dhaka in 1975-1981, he is presently the CEO of Pacific Bangladesh Telecom Limited and
the Chairman of South Asia Mobile Forum. He was the Chief Commercial Officer (i.e. head of Sales, Distribution, Marketing, Strategy and
Customer Management) in Banglalink (an Orascom Telecom Ventures Ltd company) in 2005-2006. He was the Head of Sales and Marketing
in Grameenphone Ltd from 1998 - 2005. He chaired the Asia Pacific GSM Association from July 2005 to June 2007. In the process, he was responsible for
furthering the causes of GSM Operators in the Asia Pacific Rim, and area of work also involved working with Regulators, GSM Operators and Vendors.
Michael Wakileh, Chief Executive Officer, ProgressSoft Corporation
A co-founder of ProgressSoft Corporation in 1989, Michael Wakileh is the company’s Chief Executive Officer. A technology-savvy visionary
with specific expertise within the financial and banking solutions industries, Wakileh’s long-standing career focus is on positioning
ProgressSoft as the patriot of real-time payments around the globe. As ProgressSoft’s CEO, Wakileh leads the efforts in business
development and worldwide presence to the public, ultimately resulting in migrating numerous financial institutions to new business
paradigms. Wakileh assumed a predominant role behind ProgressSoft’s success in becoming the world’s first provider of an Electronic Image-based
Check Clearing Solution; a state-of-the-art innovation that has brought much acclamation and international recognition to ProgressSoft. Wakileh has
also been the prime driver behind introducing the collaborative country-wide mobile payment switch that supports all types of payments.
Norman Frankel, Chief Executive, Mi-Pay
Norman is a world authority in mobile payments and e-Commerce with over 12 years industry experience. His team have written the
m-Payment strategies for Telefonica International, MasterCard International, Orange Group, KPN and T-Mobile International and deployed
working payment solutions for Vodafone and other operators. He is founder and Chief Executive of Mi-Pay Ltd, a company specialising in adding
value to mobile initiated payment transactions, particularly in the area of pre-paid top-up and remittances. Mi-Pay works with mobile operators,


money transfer businesses and banks to reduce pre-pay top-up costs, provide improved customer experiences and innovative mobile payment programmes
such as remittances. Customers include in Europe, Operators in the Vodafone Group; KPN Telfort, Tesco Mobile, Carphone Warehouse and in the Middle
East, Du, Saraf Mobile and Zain and customers in Africa. Mi-Pay is judged both by client numbers and volume & value of top-up transactions processed
the largest independent direct channel top-up service provider in Europe. The company is involved in many exciting mobile initiated payment innovations,
including being a lead vendor and advisor to the GSMA Mobile Money Vendors Association for Remittance and Micro-Finance mobile payments, advisor to
Clarions Mobile Money Transfer events and recently advisor to IAMTN’s remittance education programme.
Pascal Di Girolamo, Business Development Director, Mobile Financial Services, Gemalto
Pascal has extensive experience in product, partnership and business management for software solution in Telecom industry.
In Gemalto, he contributes to the introduction of new technologies, such as contactless card being ISO standard representative; the first
development and deployment of Java Card into the GSM market, and developing Gemalto Mobile TV SIM based solution.
Pascal moved three years ago to Mobile Financial Services in Gemalto Telecom Business Unit, in charge of strategic partnership and
business development. He oversaw the deployment of various mobile banking and mobile money applications. His current mission is to Head mobile
International Money Transfer activity in Gemalto. Pascal Di Girolamo holds a MA in Electronics.
Rizza Maniego-Eala, President, G-Xchange, Inc.
Rizza Maniego-Eala is the President of G-Xchange, Inc. (GXI), a wholly-owned subsidiary of Globe Telecom, one of the leading wireless providers
in the Philippines. GXI pioneered the revolutionary model in cardless and cashless mobile commerce service called GCash which was launched
in the Philippines in October 2004. Prior to being President of GXI, Rizza was Vice President of Financial Planning and Analysis for Globe
Telecom, a position she held for 8 years. In this capacity, she was in charge of the Company’s long-term financial and strategic planning,
international capital markets funding, merger, acquisition and joint venture initiatives, and investor relations.Before joining Globe, she spent five years as an
Equity Research Analyst, with the last two years as Deputy Research Head for NatWest Securities Hong Kong Limited’s Philippine Representative Office.
Samee Zafar, Director, Edgar, Dunn & Company
Samee is a director in the London office of Edgar, Dunn and Company, a global management consulting firm. Samee has advised some of
the world’s largest organisations in North America and Europe, working at the Board level. Samee specialises in payment systems covering
retail instruments such as credit, charge, and debit cards and has worked extensively with clients on emerging payments such as internet
and mobile payment payments. His functional expertise extends from concept and new product development to strategy formulation,
operations and technology implementation and improvement, product roll-out, and profitability enhancement. He previously held leadership positions
at PricewaterhouseCoopers and at Scient Consulting based in New York. He started his career with Visa International in London where he helped banks
enhance their payment product profitability. A highly respected management consultant, Samee has published a number of articles in leading industry
journals such as the Electronic Payments International, American Banker and Banking Strategies Magazine.
Serge Elkiner, President and Founder, YellowPepper
With an ever-evolving knowledge of global finance under his belt, Elkiner created the Latin American mobile financial services leader,
YellowPepper.In Latin America, Elkiner saw that mobile technology was a viable opportunity to provide basic banking services to the
unbanked and underserved. Seeing the potential to use pervasive mobile technology to empower consumers, Elkiner developed YellowPepper
Mobile Solutions and engineered partnerships with the top financial institutions. These relationships have created opportunities with mobile
operators and retail organizations, and thereby better access to mobile financial services throughout Latin America. Prior, Elkiner was Vice President of
Business Development for HelloTech Technologies. Elkiner designed and implemented the company’s mobile offering and played an integral role in the
launch of a pilot mobile system along with Aramark and Ed Dooley Vending.
Thivanka Rangala, Group Chief Commercial Officer, Dialog Telecom
Mr. Rangala presently functions as the Group Chief Commercial Officer. He is responsible for the group’s Business Development, New
Business Operations, Supply Chain Management and Investor Relations. During his tenure, starting 1997, he has served in many capacities,
primarily heading the corporate finance function of the company, he has engaged in and led several strategic initiatives including
Acquisitions, Project Management, CRM, Content management and General Management of the Company’s R&D activities. Thivanka also
played a key role in the lead up to the company’s record breaking listing initiatives (IPO) and the SAP implementation. Prior to his appointment with
Dialog Telekom, Mr. Rangala gained experience primarily in the finance profession in several sectors including Trading, Construction, Aqua Culture,
Hospitality, Manufacturing and Service. Mr. Rangala holds a MBA from the University of Western Sydney, Australia and is a direct Fellow of CIMA [FCMA],
He has also followed a management programme at INSEAD [YMP] and is a Member of the IMSL. In May 2004, Mr Rangala was awarded the Pinnacle
Award for ‘Business Manager of the Year 2003’ by CIMA, Sri Lanka. He is the Director / Treasurer of LISPA and is also the Chair designate of the Finance
Committee of Infotel.
Vincent Kadar, CEO, Telepin Software
Vincent Kadar, CEO of Telepin Software, has more than 17 years of executive experience in software technology companies for wireless and
telecom networks. Prior to his role with Telepin, Vincent was founder and CTO at Airwide Solutions, a leading provider of mobile messaging
infrastructure. Mr. Kadar has also served as Director of Wireless Technology at InfoSpace Inc, and in senior technology positions at
CrossKeys Systems and Accenture. Vincent frequently presents at industry conferences and has been published in leading magazines. For
more information, visit his blog about mobile money: http://www.mobilemoneytransactions.com/
Zouhair Khaliq, CEO, Orascom International Investment Holding
Twenty five years of senior general management, strategy and Board level experience with Price Waterhouse, ICI plc, Motorola Inc. and
Orascom Telecom. Twenty years in the Telecom and Technology space, building and managing high caliber teams to launch and manage
cellular networks across different parts of the world. Key capabilities in managing turn arounds and re-organising companies and managing
them to success both at Board and Operational level. Successful track record of very effective relationship and people management both
inside the organisation and within the operational eco-system in several countries. Have served on the Board of Directors of several Mobile Operating
companies in the United Kingdom, Egypt, Algeria, Tunisia, Bangladesh and Pakistan. Have served on the Board of a Government Information/
Communications Technology Research and Development Fund, Board of Mobile Number Portability Company, Board of Directors of the Islamabad Stock
Exchange and several Education and Charity organisations over the years. Currently engaged in devising and implementing Group strategy on Banking
and integration of Mobile Financial Services throughout the Orascom Telecom Group cellular operations in Europe and MENA region.

t. +44 (0) 20 7067 1831 19

Mobile Money Speaker Biographies
Abhishek Sinha, Co-founder & CEO, Eko India Financial Services Pvt Ltd
See Advisory Board for full profile.

Alireza Toloue KalamiToussi, CIO & Jiring Project Manager, MCI
2010- Present – Managing Director of Pardkht-e Avval-e Kish. A Company established by Mobile Communications Company to launch
Mobile Financial services in Iran 2007 - 2010 – IT & Billing General Manager of Mobile Communications Company Developing services
approach in MCI business portfolio, enhancing customer-care and billing engines, deploying interconnect billing system, and establishing
service delivery platforms (PARDISE). 2000 - 2006 – Network Developer Participated in deployment of nation-wide of data communication
network, mediation and customer care
Dr. Abdul Malek Al Jaber, Founder and Chairman, MENA Apps.
Dr. Abdul Malek Al Jaber has a wealth of experience and a long record of achievements locally and regionally in the Telecommunications
industry. Dr. Al Jaber is the Founder and Chairman of MENA Apps the first company to focus on customer relations management, social
media and its applications in the modern business as well as the first to introduce Arabic API in the MENA Region. The company exploits
the untapped potential area of Arabic content and Applications in the Middle East and North Africa by triggering the innovative ideas of the
Arab inventors and Entrepreneurs by introducing “Think Digital” concept. MENA Apps is also specialized in Consultancy, Content Market Research,
Applications Development, Telecom services, Media Services as well as a multitude of other services related to ICT across the region. Dr. Al Jaber is
the former COO of Zain Group and CEO of Zain Jordan, where he was responsible for a double digit profit growth and for positioning the company as a
key regional player in Mobile, Data and Content.
Aiaze MITHA, Principal, Amarante Consulting

Anirbban Goswami, Senior Manager, Retail Banking Department, Axis Bank
Anirbban is a career banker with eight years of experience across a wide range of areas in Retail Banking. He has experience in
encompassing routine banking operations, ensuring compliance with statutory banking rules and client servicing & marketing. Anirbban
has a master’s degree in Business Administration from Pune University, India. He has worked with some of the leading Indian private sector
banks such as HDFC and ICICI, thereby gaining first-hand knowledge in retail banking delivery channels. He joined Axis Bank in 2008 and is
responsible for retail products, including territory mapping, monitoring productivity levels, organizing sales promotions, monitoring competition activity
and development of subordinates in a branch scenario. He also looks after the training & development of new joinees to the Bank. Apart from banking,
he likes to spend leisure time with family and participates in different sporting events, e.g. the annual Mumbai Marathon.
Brad Jones, Director, Mobile Money, Visa Inc.

Bryan Maybury, Director, Mobile Financial Services, Roamwear
Bryan is responsible for Roamware’s Mobile Financial Services (MFS) business unit. He joined the company in 2009 following Roamware’s
acquisition of Macalla Software where he had been a co-founder and shareholder, with responsibility for commercial operations globally.

Dan Cohen, Co founder and General Manager, Movilway
Mr. Cohen has over 18 years of experience in financial markets in LATAM and USA. He started his career as an FX trader in Citibank
Venezuela, and then as a Management Consultant in NY for PWC Consulting, IBM and E&Y for the financial services industry. He specialized
in trade and transactional products, where Mr. Cohen spent time advising in strategy and operation to companies such as BofA, PayPal,
MasterCard, Citibank and other fortune 500 companies. Mr. Cohen was the COO of Celistics, a large distributor of mobile equipment to
Latin America. Since 2009, Dan Cohen is co-founder and General Manager of Movilway, a company specialized in the development of telecom related
products and services with its network across Latin American markets.
David Kleiman, Managing Director, S & D Consulting
In his current position as Mobile Banking Consultant at Bank of South Pacific (BSP) David is working to expand and enhance existing
Mobile Banking services in rural Papua New Guinea. He is laying the groundwork for a network of 3rd party agents, integrated to BSP’s
nationwide footprint of eftPOS terminals, to support payments and minimize cash handling in rural and semi-remote areas. Prior to joining
BSP, David was at WING , a subsidiary of ANZ, and Cambodia’s first licensed mobile payments service provider. While at WING he filled
various roles on a consulting basis (including Head of Sales) before being appointed to the relief position of Managing Director. David’s passion for
expanding mobile financial services is built upon a degree in international development and a telecommunications career characterized by advocating
the adoption of innovative and appropriate technologies in challenging markets.

Deepak Chandnani, CEO, Obopay
Deepak Chandnani joined Obopay in November 2008 as the President for Asia and Africa regions. During his tenure Deepak successfully led
the Obopay team in the development of new partnerships, and the launch and operation of services in new markets which now span three
continents; the US, India and Africa. In 2010 Deepak was promoted to the post of Global President and in 2011 he assumed a larger role of
Global CEO. In this role, Deepak Chandnani is responsible for spearheading Obopay’s global business operations and key client and partner
relationships across all markets and geographies. Deepak brings with him 30 years of rich and varied experience which spans across Consumer,
Banking and Technology sectors by virtue of having held multiple strategic and leadership roles in several leading blue chip organizations as CEO

t. +44 (0) 20 7067 1831 21

of Wire and Wireless in India, Managing Director NCR, CEO of Yahoo India, Marketing Director and Head of innovative liability business of Citibank’s
Suvidha and General Manager Marketing at Cheseborough Ponds / Hindustan Lever Limited.
Djellali Mokhtari, CEO, Aikku
As expert in Aikku Associates, Djellali shares his unique experience in the domain of Mobile Financial Services to build sensible and
aggressive go-to-market strategies and lead mobile money deployment projects around the world. Since 2006, Djellali has defined
and implemented mobile money and payment services in over 25 countries assisting all the industry players. He has acquired a strong
expertise on regulatory framework compliance and risk management, through multiple Mobile Money deployments assisting both financial
institutions and telecom operators. Djellali has an extensive knowledge of mobile money services adding to over 23 years of telecommunication and
finance industry experiences. He has a strong track record in both software and telecommunication promoting new technologies and elaborating new
standards with established corporation as well as start-up companies. Throughout his career he has always demonstrated capacity to innovate within
companies such as Orange Group, Oberthur, Swapcom, Gemalto as well as regulatory bodies.
Eli Hini, Commercial Senior Manager, MTN Mobile Money, MTN, Ghana
Prior to joining MTN Ghana two years ago, Eli was the Commercial Director in Banjul, helping the development of Coca Cola operations in Gambia. Before that
he had a chance to start his career in the FMCG industry at Unilever in Ghana where he spent over 8 years in General Management, Channel development, Key
Accounts and Field Sales. Eli was among the small team that has set up the Mobile Money project initiated by the Number 1 mobile operator in Ghana. In his
position as Senior Commercial Manager, he had to help the “baby” to crawl, then start walking, now running and ready to start flying.
Elmer M Malolos (Jojo), Head, Financial Services, Smart Communications, Inc. Philippines

Ergi Senger, Product Manager, Mobile Financial Services, Turkcell
Ergi Senger has been working as the Product Manager of Turkcell Mobile Wallet in Mobile Finance Business since March 2010. He was the
Business Development Director of New Tone Technology Solutions, an R&D Company, shareholded by Sabancı Universtity. His focus was
to improve awareness for NFC applications on focused markets including payment solutions, access systems and loyalty applications. He
implemented many RFID & NFC applications which include sport clubs, universities, hospitals and factories. Before Turkcell, Ergi Senger
worked for Garanti Payment Sytems in CRM division. He is continuing his PhD education in the field of marketing and he has been attending courses as
visitor lecturer in some universities in the field of management. He is also in the advisory board of Sabancı School of Management.
Dr. Francesco Prato, Director of Sales - SIEMENS CMT AUSTRIA
Francesco Prato is Director of Sales at the Communications, Media and Technology (CMT) of SIEMENS Austria. Among his responsibilities,
Francesco is coordinating Siemens CMT activities to market and identify business opportunities for mobile payment. He is also crucial in
identifying strategic relationships and alliances required to build the mobile payment ecosystem in the different regions. Upon graduation
from the University of Pisa ( Italy) with a doctor degree in Information Science, Francesco has held several international senior positions
mainly at Siemens and Philips - including U.S.A., Germany, Japan, Italy, and Austria - within the Sales and Marketing organization. During his stay in
U.S.A. - Francesco has also obtained a postgraduate degree in Business Administration from the Webster University.
Frédéric Schepens, Senior Vice President, BICS
Frédéric Schepens joined Belgacom ICS (BICS) on 2 January 1997 and is now Senior Vice President Mobile Financial Services at BICS.
BICS delivers best in class global solutions for Voice, Messaging, Roaming, Connectivity and Mobile Financial Services to hundreds of
telecommunication providers around the world. In his role of SVP he heads the Mobile Financial Services Division and the HomeSend
solution. Frédéric held several management roles within BICS, he founded and managed the companies for Belgacom in the Asia Pacific
region. Since the start of the company Frédéric has led a key role in the unprecedented growth of the company.
Hannes van Rensburg, Chief Executive and Founder, Fundamo, a Visa company
Hannes van Rensburg is the Chief Executive and Founder of Fundamo.
Fundamo is the leading supplier of technology for mobile banking and payment deployments. With clients on four continents, Fundamo
technology runs millions of transactions each month. He is also the author of a widely read blog on mobile banking and an active participant
in mobile banking conferences. Having launched the first mobile banking solution in 1999, Van Rensburg is often seen as the pioneer of
mobile banking. Before Fundamo, Van Rensburg held various executive positions in large financial services companies, as well as being a
co-founder of a successful technology start-up – Infomet – which was bought by IBM in 1994. He consulted at some of Africa’s largest corporations,
including Banks, Telecommunications Companies and Retailers. Van Rensburg has more than 30 years of systems management experience.
Hanney Ishak, CTO, CIT VERiCASH
Hanney Ishak is a professional payment consultant with more than 20 years of solid experience serving the payment industry, a patent
inventor of the Advanced Token Authentication (ATA) technology; providing a transactional security controlling fraud over both mobile
phones and internet channels. Ishak is an awesome trainer and highly qualified payment consultant specialized in banking payment
systems, mobile payment, EMV chip cards, chip-based added value applications, integration, SOA, information systems strategy, application
of advanced technologies, business process improvement, marketing and product development, market entry strategy, delivery strategy, scenario
planning, workshop facilitation, and communications. Ishak is recognized for his expertise related to the payment standards and banking security
which include ISO8583 standards, financial switches operations, card management system, smart card operations, banking channels and middleware,
data preparation, the smart card personalization cycle, and EMV specifications together with different payment schemes. His consolidated knowledge
of software security solutions including technologies such as PKI algorithms, symmetric algorithms, key management, smart cards, internet and
transaction security is another PLUS!.
Irfan Ali, Head of ‘Vodafone Money Transfer’ (VMT) Distribution
Vodafone Qatar’s mobile-money deployment is a major innovation in the Middle East - and one of the first successful deployments of its
kind that offers international money remittances as well as other key services direct to the customer’s handset. In the medium term the
focus has been to drive increased customer loyalty, acquisition, ARPU and brand preference – and in the long term the plan is to offer a
service which can be scaled in the MENA region - to build revenue and create employment opportunities in the region. Irfan leads a team of
15, principally focused on acquiring and servicing a distribution network of three outlet types (cash outlets, sign up outlets & merchants), with over 150
cash outlets signed up and supporting customers. In addition, he works alongside the wider consumer sales teams to drive demand, promote internal
awareness and support the wider-business with deployment in their channels. To date, over 30,000 consumers have been signed up to the service.


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