This paper was presented at the Indian Ocean Mobile Commerce Conference, 2012.

1. Focus on Mobile Commerce
and Improving the lives of
the unbanked
January 2012
Colombo

2. Changing Role of a Telco from voice to
integrated services….

3. Telco Could getting to M Commerce
leveraging on Scale…….
Affluent
2% Bank
Penetrated
Segment
30% Telecom
Penetrated
Segment
85%
Not
Penetrated
15%

4. M Commerce includes three service categories:
(1) Transfer, (2) Payments, (3) Banking
Definition Comments
 Commerce transactions continue to grow, and the term
includes the purchase and sale of a wide range of goods and
 The use of wireless handheld devices such as cellular services and are commonly grouped into:
phones and laptops/Tablet/PC to conduct commercial - Transfer
transactions online. - Payments
- Banking
Commerce
Potential Service Offerings Delivery Models
Services
1 Local Airtime Transfer
SMS/Data/USSD Based Transactions
Wallet based Paired Card Payments
Remittance / Local Money Transfer
Wallet based Online Payments
Transfer International Airtime Transfer
International Remittances
Contactless NFC1
2 Bill Payments
Payments Micro Payments and ticketing
(Remote/Retail POS
Retail Transactions, cash-in/cash-out
Card Payments)
Cash collections in FMCG
3 Account Inquiry/History
Withdrawals / Deposits
Banking
Bank account > Bank account or Wallet
Cross-border Bank account transfers
Source: E&Y “Mobile Money 2011”,

5. Key Benefits that can be accrued through a
Telco Banking partnership
• Loyalty • Reaching • Accessibility
• Revenue Untapped • Convenience
• Cross Selling market • Inclusiveness
• Cross Selling
Telco Bank Consumer

6. Mobile Trading
Trading
Mobile Finance
Consumer Credit
P2P Credit
Lending
Revolving Credit
m-Commerce Segments / Service Map
Micro Credit
Micro Insuarance
Savings/Ins
With Innovative Products and Services…….
Mobile Savings Accounts
uarance
Mobile Banking
Utility Bills
Transaction Integrated
al payments Payments
Retail Purchases
Card Linked Mobile
Mobile Top Up
Salary Accrual
Mobile Payment
Local Remittances
International Remittances
Cash Withdrawals
Cash Deposits
Transfers
Mobile Bank Account
Mobile Wallet
Unbanked
Banked
Market
Market
Unbanked
Mass
Mass
Affluent
Affluent
Market
Mass

7. Key Enablers for Mobile Commerce in Sri Lanka
Mobile Commerce in Sri Lanka
1 2 3 4
Regulatory Acceptance
Accessibility Reliability
System

8. Thank you