Mobile Financial Services: A Market Overview
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This presentation was given on Sept 11, 2012 at the opening of the 6th Annual Mobile Financial Services Asia Pacific Summit held in Manila, Philippines. The presentation provides a broad overview of the mobile financial services landscape and how it is evolving. It also provides insight into how mobile financial services are being used to provide greater financial inclusion.
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Mobile Financial Services: A Market Overview
- 1. Market Overview - Mobile Financial Services John Owens Director, Chemonics International
- 2. Who are the are the Movers & Shakers? Mobile Money for the Development
- 3. GSMA Mobile Money Deployment tracker Mobile Money for the Development
- 4. Mobile Money for the Development
- 5. Facts from Kenya More people save via MPESA platform than save in a bank Most banks now have to connect to mobile money platforms to keep & expand market share 70% of all formal payments are now via MPESA rather than credit/debit/ATM cards MPESA processes more transactions a day than Western Union worldwide Mobile Money for the Development
- 6. New Entrants “We want to partner with everyone to create a mobile payment ecosystem” Neil Ahlsten, Head of New Business Development, Google Mobile Money for the Development
- 7. Who Leads? Third-Party Players Mobile Money for the Development
- 8. Partnerships Are Key Clients Third-Parties Businesses Mobile Money for the Development
- 9. Preparing'to'Promote'Mobile'Money'&' Mobile'Financial'Services' es' Lau nch'Servic r' –'Custome Product' Adop6on' nt' y' D evelopme ' Regulator Customer Issues' Product' ' Perspec6ve Tes6ng' l' I ns6tu6ona e' t' Perspec6v En vironmen Mobile Money for the Development
- 10. Pilot&Tests:& Issues&and&Lessons&Learnt&& Value&ProposiAon&for& Acceptance&or&Fear&of& Banks,&Telecoms,& Technology& Businesses&&&Clients& Partnership&can&be& Mobile&Money&Agent& Key&to&Outreach&–& Network& Network&Effect& Client&EducaAon&&& AcAve&Usage,¬& Awareness&Campaign& Client&RegistraAon&& Mobile Money for the Development
- 11. Trends in Mobile Financial Services • Increase Use of Social Networks for Viral Marketing • Focus on Partnerships & Real Market Needs • Convergence of Platforms • G2P via Mobile Money • Mobile Money/Payments - Hook for Banks to Attract Customers • Mobile Banking Apps Mobile Money for the Development
- 12. Mobile Money for the Development
- 13. Focus on Partnerships & Real Market Needs MTN Ghana, UT Life & MicroEnsure - Partnering to Offer Mobile Money for the Development
- 14. Mobile'Money'Now'Integra1ng'with' Mul1ple'Pla6orms ' ' ' ' ATM' Debit'Card' ' ' ' ' Bank'Account' Mobile'Phone' ' ' Mobile Money for the Development
- 15. G2P$Disbursements$Via$Mobile$Money$ Mobile Money for the Development
- 16. “Toys are hooks for selling Happy Meals and mobile payments can be hooks for selling a depository relationship” Qasif Shahid Head of Remote Banking & Executive Vice President MCB Pakistan Mobile Money for the Development
- 17. Mobile Banking Apps Text Mobile Money for the Development
- 18. Thank You Twitter: @jvowens Blog: www.mobilemoneyfordevelopment.wordpress.com
Notes de l'éditeur
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- And the winners based on the GSMA Mobile Money Deployment Tracker are \nMPESA - Kenya with 14 million subscribers\nNTT Docomo DCMX - Japan with 10 million subscribers\nSmart Money - Philippines with 8.5 million subscribers\nTrue Money - Thailand with 6 million subscribers\nVodacom M-PESA - Tanzania with 3 million subscribers \nMTN Uganda with 2 million subscribers\nGlobe GCASH with 1 million subscribers\n
- Interesting facts continue to come out of MPESA in Kenya:\n\n More people save via MPESA platform \n than save in a bank\n Most banks now have to connect to mobile \n money platforms to keep & expand market share\n 70% of all formal payments are now via MPESA \n rather than credit/debit/ATM cards\n MPESA processes more transactions a day than \n Western Union worldwide\n
- Google, VISA, MasterCard all entering the mobile money & mobile payment scene\n
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- Commitment of Bank Management\nDevelopment of Mobile Money Ecosystem\nSufficient Cash-In/Cash-Out Agents/Resellers\nCreating Awareness of the use of Mobile Money\nPromote the value proposition for businesses, clients, and customers\n\n
- In terms of trends that are relevant, there is quite a bit of focus now on viral marketing with a focus on influencers and ensuring that mobile money meets real market needs. The Philippines leads in the trend of using mobile money to support payroll and Government to Person payments and we expect this to continue and to expand in the coming year. Another interesting trend of banks offering mobile money is to offered tiered fee structure that encourages clients to become bank clients by reducing fees or even providing a certain number of “free” mobile money transfers each month for clients that maintain a bank account. \n
- Integration and Use of Social Networks to Promote Mobile Financial Services\n
- Interesting use of mobile money to provide microinsurance Mi Life a product of MTN Ghana\n
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- I JUST CAME BACK FROM ATTENDING THE GSMA MOBILE WORLD CONGRESS WITH OVER 67,000 PARTICIPANTS. BY FAR, THE LARGEST CONFERENCE I HAVE ATTENDED AND I WAS IMPRESSED TO SEE THE PROGRESS OF THE INDUSTRY AND THE APPLICATIONS THAT WILL BE AVAILABLE SOON FOR ALL BANKS AND ALL PEOPLE. AS THE PRICE OF SMARTPHONES NOW FALL UNDER 5,000, WE SOON EXPECT TO SEE IN THE PHILIPPINES, PHP 2,000 ANDROID PHONES AND PHP 3,000-4,000 ANDROID TABLETS THAT WILL REVOLUNTIONIZE ACCESS TO BANKING SERVICES, PAYMENTS, AND COMMERCE. PHONES AND CHEAP TABLETS ARE BECOMING AND WILL REPLACE TRADITIONAL POINT OF SALE SYSTEMS. APPS WILL SOON BE WITHIN THE REACH OF MOST PEOPLE AND BANKS WILL CONTINUE TO MAKE USE OF THESE. I NOW DO MORE THAN FIVE TIMES AS MANY BANKING TRANSACTIONS THAN I DO ON A COMPUTER AND ALMOST NEVER GO INTO A BRANCH ANYMORE. SMART MONEY HAS A ANDROID APP AND THE NEW GCASH IPHONE/BLACKBERRY/ANDROID APP WILL MAKE USING MOBILE MONEY EASIER THAN EVER. THE NEW IPHONE APP WILL ALLOW ANY CLIENT TO SEND MONEY OR MAKE A PAYMENT TO ANYONE IN THEIR OWN CONTACT LIST OR EVEN VIA FACEBOOK. BANKS THAT HAVE A FACEBOOK SITE CAN ALSO MAKE USE OF THIS IN ACCEPTING PAYMENTS, REVOLUTIONIZING BANKING SERVICES BY RIDING ON THE INCREASING WAVE OF APPLICATIONS THAT EVERYDAY PEOPLE WILL BE ABLE TO USE ON THEIR HANDSETS. IN FACT STARTING LAST MONTH, I HAVE NOW MADE THE SWITCH TO USING MY MOBILE PHONE MORE THAN GOING TO A COMPUTER OR EVEN A BANK BRANCH TO DO MY BANKING MOSTLY DUE TO THE NEW APPLICATIONS THAT MAKE IT EASIER FOR ME TO USE MY PHONE TO APPROVE BANKING TRANSACTIONS.\n
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