Left without intervention, mobile money transfers of various forms will continue to proliferate, and product innovation will continue, albeit at different rates and in different directions around the world. Global interoperability, however, would offer significant value to customers and ensure the mobile ecosystem delivers value and scale into this service. This course will describe by placing mobile operators at the heart of remittances, Mobile Money Transfer has the potential to catalyze the whole mobile financial services market, incorporating mobile payments, mobile banking and mobile transfers. Mobile Money Business Track: understanding the Model and Market (1 day) ================================================= Accessing Pay Buy Mobile Model - NFC M-Payment services - Proposition - Ecosystem and Value chain - Pay-Buy-Mobile Business Models - Mobile NFC Technical Guidelines Accessing Mobile Money Transfer - Introduction to the Remittance Market - The Opportunity for Mobile in Money Transfer - Mobile Money Transfer as a Mobile Financial Services Market Catalyst - Mobile Banking Vendor Analysis

1. by: Arief Hamdani Gunawan

12. Pay-Buy-Mobile customer experience

18. UICC Security Domains

24. Creation of New Pay-Buy-Mobile value

30. Technical Ecosystem

32. Existing credit card ecosystem

33. Pay-Buy-Mobile ecosystem

47. Pay-Buy-Mobile value chain

49. Positioning of the TSM

52. MNO-centric model

54. Independent Entity Model

56. CIB-Centric Model

58. Combination Model

62. Selection of the secure element in a multiple SE architecture Security Domain On card entity providing support for the control, security and communication requirement of an off-card entity, supporting services such as key handling, encryption, decryption, digital signature generation and verification for their provider’s application.

63. Selection of the secure element in a multiple SE architecture

64. Selection of the secure element in a multiple SE architecture

68. UICC environment

69. UICC environment

70. UICC Architecture

71. Mobile NFC device architecture overview

73. Reference OTA Provisioning Architecture

74. Initialization Sequence Diagram

75. OTA NFC Service Delivery

77. OTA Functional Separation

84. Top recipients of migrant remittances among developing countries in 2008 (US$ billion, 2008e)

86. Remittance flows to developing countries

87. Outlook for remittance flows for 2009-11

89. Global remittances exceeded $338 billion in 2008, fell to $317 billion in 2009

91. Top 20 Remittance-Receiving Countries, 2008 (US$ Million)

92. Top 20 Remittances as a share of GDP Countries, 2008 (US$ Million)

93. Top 20 Remittance-Sending Countries, 2008 (US$ Million)

98. Cross-Border Payments by Type * The most recent year for which comprehensive data was available Source : Boston Consulting Group (BCG), Preparing for the Endgame. Figures for 2011 are projections. BCG defines payments as non-cash transactions, i.e., payments not involving a face-to-face exchange of cash. 2003 2009

99. Estimated Market Share of International Person-to-Person Transfer Providers, 2003 (by number of transactions processed) Sources: Ratha, “Workers’ Remittances,” First Data, SEC Form 10-K; MoneyGram, SEC Form 10; Bezard, Global Money Transfers ; Great Hill Partners, “Great Hill Partners Form GMT Group;” private estimates of Gera Voorrips and Hans Boon, ING Postbank; authors’ estimates.

102. Top factors that influence the choice of provider Source: DFID/BME Remittance Survey (UK), July 2006

106. Transfer Cost to Some Leading Recipient Countries (per cent of amount sent; countries ordered by total remittance inflows) Sources: Western Union, Women’s World Banking, and IMF staff calculations

108. Charges to send $200 to selected countries Sources: Worker Remittances – An International Comparison, Menuel Orozcp, Inter-American Dialogue, 2003

109. Remitting from Singapore to Indonesia 12.00 Total Average 10.00 Post office Average 10.88 MTO Average 17.50 Bank Average Apr 08, 2008 Next day. However, money can only be sent to branches of Mandiri Bank 25.00 Bank Bank Mandiri Apr 08, 2008 1-2 working days 15.00 MTO GPL Remittance Apr 08, 2008 15 minutes 12.00 MTO Western Union Apr 08, 2008 1-5 days 10.00 MTO Brunphil Express Apr 08, 2008 Same day to branches of BNI in Indonesia; 5 days to all other banks 10.00 Bank BNI (Bank Negara Indonesia) Apr 08, 2008 1-3 working days 10.00 MTO One Stop Remittance Apr 08, 2008 Next day 10.00 Post office Singapore Post (Cashome) Apr 08, 2008 Next day 10.00 MTO BTI Money Transfer Apr 08, 2008 10 minutes 10.00 MTO Ameer Tech (MG) - cash Apr 08, 2008 10 minutes 10.00 MTO Ameer Tech (MG) - account Apr 08, 2008 Next day 10.00 MTO MoneyWorld Date Transfer speed Fee (SGD) Firm type Firm name

113. The Philippines

114. Malaysia: Maxis launch of Fast Tap Service April 9, 2009

116. Interoperability and Market Momentum: Individual MNO Subscriber Penetration The remittance model must therefore be extended to enable international remittances over mobile in a scalable and sustainable manner and to allow cost effective low denomination remittances – an entirely new market not served today.

123. What Each Party Brings

125. Structure of the Mobile Financial Service Market

129. Combining m-wallet uses successfully to match consumer behavior

133. Steering Committee Members

134. Working Group Members

135. Software for Trusted Servicer Managers (TSM)

137. Malaysia: FastTap Service Provision Overview

138. NOKIA NFC Portfolio

139. Mobile Technology Options

140. Example: Customer View USSD Model

141. M-Money – Driven by Payments and Banking

142. Payments, Transfers and Transactions

143. A mobile wallet for loyalty cards

144. A mobile wallet for loyalty cards

145. A mobile wallet for loyalty cards

146. A mobile wallet for loyalty cards

147. A mobile wallet for loyalty cards

148. Thank You [email_address]