connected world forum

Incorporating:

Platinum Sponsor: Gold Sponsors: Silver Sponsors: Bronze Sponsors:

www.connectedworldforum.com +44(0)20 7067 1831 [email protected]

31 OCTOBER - 3 NOVEMBER 2011, DUBAI

Operator Partners:

EVENT SHOWGUIDEYour essential guide to what’s on, where and when at this cutting-edge event.

w. www.connectedworldforum.com2

www.siemens.at/walletXpress

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3t. +44 (0) 20 7067 1831

Dear Colleagues,

It is with the utmost pride and pleasure that I welcome you to the very fi rst 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 specifi cally 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 fl oor.

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 fi rst

internet experience for many will be through a mobile device, as mobiles are more affordable and mobile networks more pervasive than

fi xed 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

fi nancial 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


Welcome to Connected World Forum

5t. +44 (0) 20 7067 1831

Welcome 3

Programme at a Glance 7

UAE Market Briefi ng 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

Contents


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

Tapping into the potential of mobile money in LatAm

Analysing public demand and standards for mHealth

Launching Europe’s fi rst mobile MNO TSM solution for NFC Payments

Creating standards and certifi cation that promote interoperability throughout the mHealth ecosystem

mHealth in health information delivery: the Indian market

Deployments in Turkey - bank perspective

17:30 CLOSING REMARKS FROM THE CHAIR

Conference Day Two: Wednesday 2 November

09:00 CHAIRPERSON’S INTRODUCTORY REMARKS

Adapting business models for the evolving mobile money ecosystem

How to ensure the technology used in your mHealth programme is offering secure and patient-centric healthcare

Taking your mobile money programme to the next level

Working with partners effectively to deliver easy to use commercial mHealth services for senior citizens

Understanding how du are leveraging mo-bile learning apps to promote their e-Health services

Case study: MCB Mobile Delivering healthcare the mobile way

Extending mobile fi nancial services to the underbanked in the Pacifi c islands

10:30 MORNING AND COFFEE NETWORKING

Case study: roll out to commodity buyers and supply chain payments in rural PNG

Roundtable discussions

Exploiting the potential of mobile remittance

The role of branchless banking in creating transformational fi nancial services

13:00 LUNCH AND NETWORKING

Global mobile money innovation

Emerging mobile money developments in MENA

Singapore’s personal health management strategy to engage people and communities through innovative consumer health technologies

Vodafone’s Digital Communities

Call centre 101: Deploying an mHealth service that provides 24 hour access to health information and advice

Case study: achieving profi tability & reducing churn

The transition from a bank led to an MNO led business modelTargeting young micro-entrepreneurs/ low income customers

Deploying mHealth services to actively support remote patient healthcare with increased effi ciency and reduced costs

15:30 COFFEE AND NETWORKING

Pre-Conference Workshops: Monday 31 October: 10.00-17.30Conference Day One: Tuesday 1 November

09:00 CHAIRMAN’S INTRODUCTORY REMARKS

Connected World Forum Plenary Sessions


11:30 OPENING REMARKS FROM THE CHAIR

Rolling out a country-wide mobile payment service

Smart Health - Facilitation Healthcare through Connected Communities

Mobile Agriculture – Leveraging mobile applications to support the evolution of the agriculture industry in Africa

Panel: the VAS that will encourange active mobile money usage and put a stop to dormancy

Mapping out the mHealth evolutionary path & forecasting growth & new opportunities in the industry

Offering cost effi cient and convenient MMT services

The status of mHealth in India and identifying 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 onBuilding a structured & successful mHealth ecosystem

The future of global mobile commerce Technology convergence and mobility in healthcare

Case study Tanzania: reaching new markets through M-PESA

Leveraging m-Health to increase effi ciency and reduce costs in the healthcare industry


Unlocking potential for mobile money by integrating with e-commerce

Using mHealth in the rain affected areas of

PakistanHow mobile microfi nance is being used to

support agricultural developmentCase study: Mi-life mobile micro-insurance in Ghana

Introducing m-Pharma: mHealth’s thin wedge

or a new ecosystem altogether?Panel: Interoperability

18:10 CLOSING REMARKS FROM THE CHAIR FOLLOWED BY NETWORKING DRINKS AND THE MOBILE MONEY AWARDS


Mobile Financial Services in UAE – A Key Role in eTransformation

Market briefi ng report

Segments and Services

The UAE is part of the “MENA” region, which comprises 20

Arab states and has 68% of the world’s oil. As the second

largest economy in the Middle East it has excellent pros-

pects for growth. From being a cash-based society it has

continued to shift towards fi nancial cards and MFS.

Two key segments encourage the growth of mobile money.

Firstly, expatriates constitute the majority, with only

around 20% being UAE nationals, and for them, mobile

money has proved useful both in terms of receipt of pay

as well as for sending money home. Secondly, the youth

segment, (roughly one third of the population) is under

the age of 30.

Wage Protection System

In 2009 the Government introduced the Wage Protection

System that compels all companies to pay employees

through electronic payroll, with a checkpoint for Govern-

ment visibility of wage disbursement.

Prepaid and mobile

This triggered a rapid growth in open-loop prepaid cards

in 2010 (closed loop required legal framework not yet

approved by Central Bank of UAE). For example the UAE

payMAX card with G-Cash allows for receipt of wages

as well as sending money home. Prepaid cards found a

perfect partner in mobile. It becomes possible to properly

track the money on your card, making it into a mini “bank

account” on your phone. Leading issuers include Emirates

NBD, Standard Chartered Bank Plc, Mashreq Bank and

National Bank of Abu Dhabi.

mPay sees 50% rise in collection

Mobile payments are part of a key Government initiative to

put the “Customer First”. The mPay service for public to

pay using SMS realised a 50% rise in collections over the

fi rst half of 2011.

As part of the ePay initiative, it made payments easy and

accessible from any phone. By connecting with the UAES-

WITCH at UAE Central Bank, Dubai eGovernment allowed

fee payment through its ePay portal through ATM card/

direct debit to all 46 banks.

Emirates Identity Authority (EIDA)

EIDA oversees the Population Register and ID Card Pro-

gram. Like with the case of India’s Aadhar (discussed in

our last report), issuance of identity cards has been a key

enabler for mobile money. The electronic chip contains

face photo, name, date of birth, gender, nationality, moth-

er’s name, marital status, entry information, e-signature,

as well as other information relating to nationality and

residence for expatriates such as sponsor’s number, type,

number and expiry date of residence permit. This greatly

facilitates the provision of mobile money services provid-

ing a “hook” for AML/KYC management.

Regulations

A favourable approach to mobile greatly helps where

otherwise legal matters are complicated by existence of

federal, emirate, and Islamic Sharia law.

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 benefi t from new services, expect to see MFS take off in UAE

9t. +44 (0) 20 7067 1831


Key players

UAE, one of the most saturated markets in the Middle

East, is serviced by two main mobile operators Etisalat

and du.

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.

Wallets launched

In June this year, Abu Dhabi Commercial Bank (ADCB)

partnered with Mobibucks, a mobile payments solu-

tions company based in the United States, to offer ‘Mobi’.

Claimed to be globally the fi rst of its kind, it is described

as a cashless, cardless, paperless and phoneless pay-

ment. Consumers create a virtual account online, based

on their mobile number and a secret pin number, which

they later use to make purchases.

Earlier in May, the National Bank of Abu Dhabi (NBAD)

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 fi rst of its kind. It ena-

bled mobile money transfers and ATM cash-out to anyone

within the UAE, whether or not they are registered users

of Arrow.

Remittance corridors

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.

Key corridors from UAE include India, Pakistan, Philip-

pines and Bangladesh.

Figure 2: Remittances to and from UAE in US$ billions

To cater to them, in 2010 VoiceCash announced a service

to enable cross border remittance.

What is next?

UAE is certainly a market to watch, with more “fi rsts” to

be expected thanks to the progressive approach to mobile

money.

Find out more at this year’s Mobile Money Global Confer-

ence and Expo taking place in Dubai on November 1-2

Charmaine Oak

Practice Lead

Digital Money

Specialist consultants in

Global Digital Money

www.ShiftThought.com

[email protected]

du

40%Etisalat

40%

SmartMoney SuiteTM

orga-systems.com

SmartRevenue SuiteTM SmartEnergy SuiteTM

Spur the Customer Experience

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

11t. +44 (0) 20 7067 1831

Mobile Money Academy

Pre Conference: Monday 31 October 2011

10.00 Mobile money pricing and commission structures

• How to ensure your tariff and commission models are well

designed to increase revenues whilst attracting customers

• The main pricing options and schemes

• How can pricing drive usage?

• Role of airtime promotions

Aiaze Mitha, CEO, Amarante Consulting

11.30 Coffee and networking

12.00 How to make money from mobile money

• How much must an MNO invest in mobile money before

turning a profi t?

• How to manage costs to achieve profi tability

• How does an increase in ARPU and churn reduction

contribute to profi tability?

• Which mobile money applications are driving revenues?

Aleeda Fazal, Head of Mobile Money, Sicap

13.30 Lunch and networking

14.30 Enterprise mobile money

• Expanding beyond p2p to offer corporate services such as

salary disbursement and invoicing

• Reducing dormancy by offering new scalable mobile

money services

• Encouraging active usage of accounts through innovative

loyalty and reward programmes

Djellali Mokhtari, CEO, Aikku


16.30 Defi ning your agents and distribution models

• Creating relationships with super agents to save time

managing one on one relationships with agents and to

increase brand trust

• Leveraging the support of your agents to manage fl oat

balancing, provide on the ground support and educate

customers about mobile money

• Developing a viable commission model for your agents and

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

10.00 How airtime fi ts into the mobile money ecosystem

• International and domestic airtime top-up

• Increased frequency of top ups, customer retention and

revenue

• Relevance to mobile money solutions

Mehdi Khlouf, CMO, Mobytop

Joseph Ponnou, Head GCC Region, Mobytop


12.00 How mobile money can be a new revenue opportunity

which helps telcos and banks earn commission from a

regular fl ow of payments that are guaranteed by the

government

• How does mobile money work for government?

• Simplifying data management and producing accurate

accounting

• Better management, monitoring, dispute resolution and

future forecasting

• 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 benefi t payments



14.30 How to build a robust and sustainable NFC infrastructure

• Costs of building an NFC infrastructure in emerging markets,

revenue sharing models and partnerships

• Will NFC drive the adoption of mobile payments in developed

markets?

• Convenience for service providers

• Incentivising merchants to incorporate NFC terminals at the

POS


16.30 How to mitigate fraud in mobile money

• Consumer protection and PCI requirements

• Impact on compliance procedures and record keeping

• What do the Anti Money Laundering and Counter Terrorism

• Financing Regulations mean to you?

• International gateways; who takes responsibility?

Oracle

Mobile Money Academy

Post Conference: Thursday 3 November 2011


Mobile Money and Mobile Health Plenary Sessions to take place in the same conference room.

09.00 Chairperson’s introductory remarks

Hannes van Rensburg, CEO, Fundamo

09.10 Keynote presentation: harnessing the power of

mobile money services and investing in community

development to bring an end to poverty

Julie Evans, Group Sustainability Director, External Affairs, Vodafone

09.40 Keynote presentation: facilitating socio economic

transformation in emerging markets through mobile

lifeline services

Osman Sultan, CEO, du

10.10 Panel discussion: integrating mobile money and mobile

health to develop robust services for the 1 billion

individuals lacking access to healthcare systems and

fi nancial services globally

• How to leverage the ubiquity of the mobile phone to offer

fi nancial services and healthcare provision

• The convergence of mobile money and mobile health: remote

payment and settlement of testing, labs, remote diagnostics

and encouraging savings towards medical procedures

• Understanding the synergies between the mobile money

and mobile health industries – common objectives to

transact securely, quickly and cost effi ciently; build digital

infrastructures and business processes to establish an

ecosystem of mobile lifeline services in emerging markets

• Developing the business models and partnerships to offer

integrated services, understanding the revenue opportunities

for stakeholders whilst offering cost effective services to the

consumer

• Future uses of mobile money for m-health and the impact of

mobile health to spur demand for mobile fi nancial services


Michael Joseph, Fellow, World Bank & Former CEO, Safaricom


Prof. Krishnan Ganapathy, President, Apollo Telemedicine Networking Foundation, President, Telemedicine Society of India, President, Indian Society for Stereotactic & Functional Neurosurgery

Manish Gupta, CIO, Global Healthcare



11.30 Rolling out a country-wide mobile payment service

• 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

Conference day one: Tuesday 1 November 2011• How to manage cash in and out

• The opportunity for NFC payments in key markets

Michael Wakileh, CEO, ProgressSoft

11.50 Panel discussion: the value added services that will

encourage active mobile money usage and put a stop to

dormancy

• Incentivising agents, especially airtime vendors, to boost

mobile money transactions by giving free prepaid top up

• Creating targeted, ethnic centric marketing and promotional

strategies to encourage core customers to use mobile money

• Defi ning innovative and winning customer loyalty strategies

• Expanding into salary disbursements and bill payments for

small to medium enterprises – the high volume mobile money

transactors

Christelle Toureille, Marketing Director METNA, Gemalto

Roar Bjaerum, Vice President, Global Co-ordination, Telenor

Enrique Beza Rodriguez, Senior Manager, Mobile Commerce, Etisalat

Vince Kadar, CEO, Telepin Software

Jacques Voogt, Head of Financial Services, Vodacom

Marcel Bruck, CEO, MobyTop

Neil McEvoy, Managing Director, Consult Hyperion

12.40 Offering cost effi cient and convenient MMT services

through your existing mobile network and banking

infrastructures

• Reduce cash handling costs to gain a higher ROI

• Utilise the mobile channel to cross sell other core banking or

data services

• Enable over the air transactions in real time whilst

maintaining a high level of security

• Deliver a positive customer experience and boost your

transaction volumes

• Access new customers from the unbanked market

• Evolve your infrastructures to go beyond remittances

Jean-Claude Deturche, Senior Vice President, Mobile Financial Services, Gemalto

13.00 How mobile money is accelerating innovation in the

developing world

• Ten clear lessons learnt for the successful deployment of

mobile money - examples from across Africa

• How to build trust with your customers

• Moving on from mobile money systems; savings, insurance,

emergency credit - features customers want



13t. +44 (0) 20 7067 1831

14.30 Case study: Orange Money in Kenya – developing a new

business model combining the strengths of an MNO

and bank to offer a new proposition in a mature mobile

money market

• Capitalising upon the market situation in East Africa:

advancements in technology to offer an open platform, phone

based account opening and agency banking regulation

• What the MNO brings to the partnership: multi channel

access through STK, USSD, J2ME, branding and distribution

• What is the role of the bank? Providing mobile banking

services, linking mobile money to core banking services and

providing security platforms

• Orange Money product features: phone to phone and bank to

bank transfers, higher transaction limits, send money to any

mobile network operator, 24 hour access to money through

phones and Orange Money debit card, ability to monitor and

repay loans

Snehar Shah, Head of Mobile Money, Orange

14:50 Advanced mobile money – how to build scale across

geographies

• How we are up scaling our services in India, Senegal and

Kenya

• Extending your retail penetration in low income markets

through agent networks to maximise distribution of mobile

money services

• Encouraging consumers to use mobile fi nancial services with

the opportunity to cross sell other products

Deepak Chandnani, CEO, Obopay

15.10 A global perspective on the future of mobile commerce

• Update on how mobile commerce is evolving

• How banks are moving beyond banking, and operators beyond

payments

• The rise of the independent fi nancial service providers

Matthew Talbot, Senior Vice President, mCommerce, Sybase 365

15.30 Case study: reaching new markets through M-PESA –

revealing the potential of mobile money in Tanzania

• How we increased our customer base substantially through

M-PESA

• Encouraging mobile money to become a part of customer’s

daily lives to boost transaction volumes

• Enterprise mobile money; more than 50 businesses using b2b

& b2p cash disbursements, p2p transfers, loan collection,

distribution and repayment

• Increasing our distribution network to make M-PESA available

on every street corner

• Extending the cash merchant network to support cash

withdrawals from a bank account and for cash deposits into a

bank to encourage savings

• M-PESA for social economic development: Government

Employee Pension Fund and Women Economic Initiative

Jacques Voogt, Head of Financial Services, Vodacom


16.30 Unlocking the potential for mobile money by integrating

services with e-commerce

• How digital goods and services can drive mobile money usage

in developed and developing markets

• Identifying consumer needs and tailoring services to meet

their demands

• Overcoming the challenges to integrate e-commerce with

mobile money services

Neil Ahlsten, Head of New Business Development, Google

17.00 Case study: Mi-life mobile micro-insurance in Ghana

• Updating the mobile money service so that customers can

have access to life insurance

• Mobile phone as a cost effi cient channel to lower the cost of

collecting premiums and disbursing claims

• Advantages for MNOs and insurance companies: providing

a massive and effi cient distribution platform and improved

communications with the customer (e.g. using SMS

reminders and interactive menus)

• Empowering customers to manage their insurance policies in

a cost effective and accessible manner

Eli Hini, General Manager Mobile Money, MTN Ghana

17.20 Panel discussion: how to make interoperable mobile

money a universally accepted form of payment

• Looking at interoperability from different angles - network,

connectivity and regulations

• Increasing customer convenience through cross telco and

cross banking services

• Creating common standards for replicable business models

that will boost the scalability of mobile money

• How different partnerships impact on profi tability

• What is the role of the card association in the mobile money

market

• Overcoming challenges in gaining regulatory approval

Kazi Md. Saiful Alam, General Manager, Regulatory,

Grameenphone

Pascal Di-Girolamo, Mobile Money Transfer Director, Gemalto

Paul Thomas, Director Global Strategic Partnerships,

MoneyGram

Anirbban Goswami, Senior Manager, Axis Bank

Bryan Maybury, Director Mobile Financial Services, Roamware

Lee-Anne Pitcaithly, CEO, WING

Hanney Ishak, CTO, CIT VERiCASH


18.00 Close of conference followed by

Mobile Money Awards and networking drinks

Mobile Money Awards

Mobile Money 2011 delegates are invited to attend the Mobile Money Awards Ceremony

MOBILEMONEY



09.10 Expanding your mobile money business into new

markets and opening up new revenue streams

• Capitalising upon the mobile money opportunity to counteract

declining growth rates and shrinking margins

• Keys to success; distinct knowledge on low income consumer

spending habits offering inexpensive but extensive distribution

services

• Living in a connected world – developing next generation

mobile money services

Ramez Younan, CEO, Orga Systems

09.30 walletXpress: the evolution of mobile payments on to

one platform

• Offering new services and products also in the area of energy,

medicine, and ticketing

• Developing open interfaces to support third-party platforms

and applications and customising and personalising services

anywhere and anytime

• Understanding the ecosystem around walletXpress with

global stakeholders

• Complying with common standards and regulatory

requirements

Francesco Prato, Sales Director, Siemens

09.50 Adapting our business model to meet the needs of the

evolving mobile money ecosystem remittances

• Developing a business case that offers a multitude of services

e.g. airtime top up, remittances and utility bill payments to

increase growth and revenues

• How we set up our agent network and how we are expanding

our POS presence to enhance our distribution network

• Future plans to offer cross border mobile money services

Dan Cohen, General Manager, Movilway

John Owens, Board of Directors, Movilway

10.10 The potential of mobile money in North Africa and

Middle Eastern markets: market assessments of Egypt,

Tunisia and Morocco

• Developing the mobile money business case and

understanding the key considerations when it comes to

implementing your strategy

• How long does it take to roll out a mobile money programme?

• Understanding the macro economy, culture, literacy levels,

usage of VAS, competitive landscape and trust in mobile

technology

Margarete O. Biallas, Global Lead Retail Payment Institutions &

Innovations, Access to Finance Advisory, IFC

10.30 Morning Coffee and networking

Conference day two: Wednesday 2 November 201111.00 Case study: Visa and emerging market entry strategies

for interoperable mobile money services

Brad Jones, Director, Mobile Money, Visa Inc.

11.20 Gaining deeper insights into consumer behaviour to

realise the full potential of mobile fi nancial solutions –

case studies from across the globe

• Understanding consumer motivations to enhance mobile

money propositions

• Examples of how mobile fi nancial service providers have

expanded service usage through a deeper appreciation of

consumer needs

Srinivas Nidugondi, VP Mobile Financial Services, Comviva

11.40 Case study: MCB Mobile – rolling out bank led

transformational mobile money services in Pakistan

• Launching a shared, interoperable mobile banking platform to

engage a critical mass of participants

• Providing the impetus for banks to grow quickly and avoid

losing market share by creating the next band of low cost

fi nancial products through mobile phones

• How banks can utilise mobile money services to increase

revenues: mobile payment services provide the hooks for

deposit fl oats

Qasif Shahid, Head of Remote Banking & Business Development

& Executive Vice President, MCB

12.10 Exploiting the potential of mobile remittance: from

competition to cooperation

• Increasing the international cross border mobile money

opportunities through cooperation with key stakeholders

• Competitive developments in mobile money transfer

• Moving mobile money propositions beyond p2p transfers

Katia Hilal, VP Marketing & Alliances, eServGlobal

Frederic Schepens, Senior VP of Mobile Financial Services,

Belgacom

12.30 Case study: roll out to commodity buyers and supply

chain payments in rural PNG

• Mobile money as a banking service which solves an

immediate and growing problem for buyers

• Establishing the active customer base (growers) ready to

receive payment increases i

• Building the localised ecosystem of eft pos merchants to

support cash-out and transactions

David Kleiman, Consultant,Mobile Banking Agent Network

Management, Bank of South Pacifi c


15t. +44 (0) 20 7067 1831

Global mobile money innovation

14.00 Business models: a look at emerging Papua New Guinea

Annie Smith, Head of Mobile Financial Services, Digicel


14.20 Taking your mobile money programme to the next

level:introducing corporate mobile money services

Roar Bjaerum, Vice President, Global Co-ordination, Telenor

14.40 Mobile Money Implementation Progress and Key

Realisations – a Smart Money perspective

Jojo Malolos, Group Head of Financial Services, Smart

Communications

15.00 Increasing your mobile money services’ profi tability

Peter Fredell, CEO, Seamless

15.20 Learning from established markets and tapping into the

potential of mobile money in Latin America


Emerging mobile money developments in MENA

14.00 Building a future-proof mobile strategy in fi nance

Scott Lowe, Business Development Director, eLeader

14.20 The transition from a bank led to an MNO led business

model

Sammy Tuffaha, Head of Mobile Commerce, Orange Jordan

14.40 Developing our mobile payments product suite to attract

new customers and cross new regions and geographies

Rashed Al Alabbar, Director Mobile Commerce, Etisalat

15.00 Vodafone Qatar’s mobile money journey to launch the

Money Account product

Irfan Ali, Head of Vodafone Money Transfer Distribution,

Vodafone Qatar

Markus Bikker, Senior Product Manager, Vodafone Qatar

15.20 Targeting young micro-entrepreneurs and low income

customers with mobile microfi nance products and

instigating new mobile money innovations

Ammar Hamadien, Program Director,

Products & Innovation, Zain

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


Plenary Session

16.10 Approaches for MNOs to offer mobile fi nancial services

in countries with high bank account penetration - a case

study from Iran

• How to assess the potential of mobile fi nancial services in a

country with high bank account penetration

• Looking beyond the basic mobile money product portfolio to

fi nd killer applications

Ali Reza Toloue, CEO, Jiring

16.30 International mobile money remittances – lessons

learnt and thoughts for the future

Paul Thomas, Director Global Strategic Partnerships,

MoneyGram

16.50 Launching world’s fi rst multi - bank application solution

of UICC for NFC payments

• Defi ning our entry strategy to launch NFC payments

• The importance of NFC as part of Turkcell’s ambition to be

one of the leading non banking fi nancial service providers

• The promise of offering fi nancial services on a phone

• Real life cases from Turkcell mobile wallet implementations

Ergi Sener, Product Manager, Mobile Financial services,

Turkcell

17.10 The roadmap for successful mobile payments

deployments in Turkey from a bank’s perspective

• Shaping the mobile payments landscape in Turkey by setting a

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

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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 fi fteen operators. In February 2007, Abhishek exited Six DEE to pursue his vision to promote mobile phones as a fi nancial 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 fi nancially excluded. The merit of the idea to use mobile technology as a means to achieve scale and cost effectiveness for fi nancial service delivery were re-confi rmed 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 ConsultingAiaze Mitha is the founder of Amarante Consulting, a boutique consultancy specialized in mobile fi nancial services, and a consultant to the IFC Access to Finance team for all matters related to mobile fi nancial services in Latin America. A renowned international fi gure in the mobile fi nancial services industry, Aiaze combines fi rst-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,

Microfi nance Institutions, International Banks, Regulators and Vendors in various aspects of their mobile fi nancial 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 signifi cantly 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 & ConsultingAleeda Fazal is a highly regarded expert in the fi eld of mobile fi nancial 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 fi nancial 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 Microfi nance BankAbbas is currently the Group Executive Director of Operations and Technology at Tameer Microfi nance 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 Pacifi c. 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 fi rst 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 fi ve mobile network operators, had a national network of merchants and was providing fi nancial 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 fi nalists in the Wall Street Journal Asian Innovation Awards for 2010.

Brian Richardson, Founding Director and CEO, WIZZITEducated 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 fi rst 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 fi nancial institutions, mobile carriers, handset providers and merchants such as Societe Generale, MasterCard, Nokia and Essar - is using mobile phones to deliver fi nancial 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.

Mobile Money Advisory Board


Charmaine Oak, Practice Lead, Digital Money, Shift ThoughtCharmaine 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 specifi cations 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 fi nancial 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 fi eld. 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. PhilippinesJojo 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, MicroSaveGraham 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 fi ve years of experience in management consultancy, training and audit with a leading accounting fi rm in Europe. He is a reformed Chartered Accountant. Graham has provided training and

technical assistance to a variety of microfi nance 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 infl uential microfi nance institution in Bangladesh. He provided long-term technical assistance to develop a rural fi nance 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, MovilwayA lawyer and recognized expert in the fi eld of microfi nance and mobile money services with more than 23 years of fi eld experience in Africa, Asia, the Caribbean, Latin America and the Middle East. He has worked on using mobile money to support mobile fi nancial 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-offi ces 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 BangladeshMehboob 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 Pacifi c Bangladesh Telecom Limited and the Chairman of South Asia Mobile Forum. He was the Chief Commercial Offi cer (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 Pacifi c GSM Association from July 2005 to June 2007. In the process, he was responsible for furthering the causes of GSM Operators in the Asia Pacifi c Rim, and area of work also involved working with Regulators, GSM Operators and Vendors.

Michael Wakileh, Chief Executive Offi cer, ProgressSoft CorporationA co-founder of ProgressSoft Corporation in 1989, Michael Wakileh is the company’s Chief Executive Offi cer. A technology-savvy visionary with specifi c expertise within the fi nancial 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 fi nancial institutions to new business

paradigms. Wakileh assumed a predominant role behind ProgressSoft’s success in becoming the world’s fi rst 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-PayNorman 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,

19t. +44 (0) 20 7067 1831

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, GemaltoPascal 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 fi rst 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 fi nancial and strategic planning,

international capital markets funding, merger, acquisition and joint venture initiatives, and investor relations.Before joining Globe, she spent fi ve years as an Equity Research Analyst, with the last two years as Deputy Research Head for NatWest Securities Hong Kong Limited’s Philippine Representative Offi ce.

Samee Zafar, Director, Edgar, Dunn & CompanySamee is a director in the London offi ce of Edgar, Dunn and Company, a global management consulting fi rm. 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 profi tability 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 profi tability. 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, YellowPepperWith an ever-evolving knowledge of global fi nance under his belt, Elkiner created the Latin American mobile fi nancial 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 fi nancial institutions. These relationships have created opportunities with mobile

operators and retail organizations, and thereby better access to mobile fi nancial 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 Offi cer, Dialog TelecomMr. Rangala presently functions as the Group Chief Commercial Offi cer. 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 fi nance 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 fi nance 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 SoftwareVincent 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 HoldingTwenty fi ve 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.

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Mobile Money Speaker Biographies

Abhishek Sinha, Co-founder & CEO, Eko India Financial Services Pvt LtdSee Advisory Board for full profi le.

Alireza Toloue KalamiToussi, CIO & Jiring Project Manager, MCI2010- 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 fi rst company to focus on customer relations management, social media and its applications in the modern business as well as the fi rst 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 profi t growth and for positioning the company as a key regional player in Mobile, Data and Content.

Aiaze MITHA, Principal, Amarante ConsultingSee Advisory Board for full profi le.

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 fi rst-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.See Advisory Board for full profi le.

Bryan Maybury, Director, Mobile Financial Services, RoamwearBryan 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, MovilwayMr. Cohen has over 18 years of experience in fi nancial 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 fi nancial 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 ConsultingIn his current position as Mobile Banking Consultant at Bank of South Pacifi c (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 fi rst licensed mobile payments service provider. While at WING he fi lled

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 fi nancial 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


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 defi ned 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 fi nancial

institutions and telecom operators. Djellali has an extensive knowledge of mobile money services adding to over 23 years of telecommunication and fi nance 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, GhanaPrior 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 fl ying.

Elmer M Malolos (Jojo), Head, Financial Services, Smart Communications, Inc. PhilippinesSee Advisory Board for full profi le.

Ergi Senger, Product Manager, Mobile Financial Services, TurkcellErgi 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 fi eld of marketing and he has been attending courses as visitor lecturer in some universities in the fi eld 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, BICSFrédéric 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 Pacifi c

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 fi rst 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 fi nancial 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 VERiCASHHanney 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 qualifi ed 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, fi nancial switches operations, card management system, smart card operations, banking channels and middleware, data preparation, the smart card personalization cycle, and EMV specifi cations 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) DistributionVodafone Qatar’s mobile-money deployment is a major innovation in the Middle East - and one of the fi rst 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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Jacques Voogt, Head of Financial Service, VodacomOriginally Product Manager for M-Commerce services at Vodacom SA in 2003 Jacques Voogt has taken up the position as Head of Financial services at Vodacom Tanzania. The portfolio includes the development and support of mobile banking services (channel), mobile payments and mobile money transfer products and services. In this capacity Jacques has been instrumental in the delivery of the Vodafone M-PESA solution in Tanzania for which he is currently leading the strategic and product development roadmap ensuring the

service maintains its lead within a competitive Tanzanian environment.

Jean-Claude Deturche, Senior Vice-President Mobile Financial Services, GemaltoJean-Claude joined Schlumberger in France in 1990 and headed the software department of the Schlumberger Smart Card division for 5 years. His team pioneered the introduction of Java technology for smart cards. Then, based in Hong-Kong, he took on the position of vice-president marketing and sales for smart cards for Asia where he actively participated in the development of the fast-growing GSM local markets. In 2001, following the acquisition of the IT company Sema by Schlumberger, he became vice-president consulting and

services Asia for the combined entity, SchlumbergerSema. Back to France in 2003, Jean-Claude was appointed vice-president strategic marketing of Schlumberger Smart Cards. In May 2004, he played a key role in the creation of Axalto and its IPO.

Julie Evans – Sustainability Director, Vodafone GroupJulie Evans is a graduate engineer with a broad leadership career over a number of industries and disciplines. Having previously led a large CSR initiative for Ford Motor Company Julie joined Vodafone UK in 2004 as Head of Customer Relations and held senior commercial roles as well as most recently heading the Corporate Security team for Vodafone UK. As Vodafone Group Director of Sustainability, Julie’s role is to lead Sustainability across the Vodafone global organisation including both developing countries and mature economies. Her mission

is to continue building Vodafone as an ethical company, admired for operating responsibly in all its markets and for providing services and mobile technology that enable a more sustainable society.

Katia Hilal, Vice President Marketing & Alliances, eServGlobalWith about 20 years of experience in the mobile industry, she covered various aspects as the industry evolved, from radio engineering to BSS/OSS, handset embedded applications and Mobile Money services. Katia has previously held management positions at France Telecom/Orange, Lucent Technologies and Kenan/CSG systems. Katia holds an Engineering degree and a Ph.D. in Telecommunications from Telecom Paris University as well as an MBA from the Open University Business School.

Kazi Md. Saiful Alam, General Manager, Regulatory, GrameenphoneKazi Saiful is a very senior executive having more than 13 years experience in Telecom Sector. Currently he is the General Manager and Head of Internal Strategy & Regulatory Compliance in Grameenphone Ltd. the largest Mobile phone Company in Bangladesh. He has been involved and contributed in the development occurred in Policy/Regulation fi led of Telecom Sector of Bangladesh for more than a decade as Industry representative. He has leaded many bilateral, Multi-lateral projects in interconnection and known as one of the best

Interconnection experts in Bangladesh. He has been delivering a number of papers in different countries as a regular speaker.

Lee Anne Pitcaithly, CEO, WING CambodiaLee-Anne is currently the CEO for WING Cambodia and has been with the organisation since inception. In fact she was the 5th employee on the ground for WING in Cambodia. Lee-Anne has been instrumental in setting up WING’s Governance Structure and Contract Management Frameworks as well as having been responsible for the development and implementation of HR and Finance business units. Lee-Anne has also spent some time working with ANZ Bank in Cambodia creating designing and implementing a purchasing and contracting framework. Under Lee-Anne’s guidance

WING has expanded their business offerings with real-time bill receipting and bulk payments. Lee-Anne moved to Cambodia from Australia in 2007. Prior to this she had been working as a Commercial Manager for Telstra Enterprise and Government in Melbourne where she managed the contractual relationship between Telstra and the Victorian State Government.Prior to this Lee-Anne has held various purchasing, contractual and project management roles in Pharmaceutical Wholesaling, Gas and Electricity Retailing, and Insurance Brokerage organisations.In addition to her role with WING Lee-Anne is also a Director on the Board of Tiny Toones Cambodia – a local Hip-Hop NGO providing education and expression through music, dance and arts to hundreds of at Risk Youth.

Margarete Biallas, Global Lead Retial Payment Institutions & Innovations, IFC Advisory Services – Access to FinancePreviously, she managed IFC‘s Access to Finance program in the Mekong and was responsible for fi nancial markets advisory services in Vietnam, Cambodia, and Lao PDR. Prior to joining IFC she worked 10 years for KfW. As Senior Risk Manager with KfW, she led the development of a limit management system for the banks fi nancial markets exposures, and as Credit Offi cer for Eastern Europe and Asia reviewed all of KfW’s commercial investments in these two regions. Prior to this, Margarete led KfW’s global microfi nance funds investments

and held various positions in the Eastern Europe and Sub-Saharan Africa departments, working on fi nancial markets investments in these regions. Through the staff exchange program, Margarete worked with IFC‘s SME department and fi nancial markets group in Eastern Europe in 2001-2002.

Markus Bikker, Senior Product Manager, Vodafone Qatar Manage the Vodafone Money Transfer solution, launch additional remittance partners and develop further product enhancements. Work closely together with stakeholders across the company to ensure a success of this highly strategic product area. Develop a competitive data product portfolio for the newly build company Vodafone Qatar, including Mobile Broadband and BlackBerry for Consumers and Enterprise Customers. Launch and manage the data product portfolio with full commercial responsibility. Key achievements: Launch of Vodafone Money Transfer, a

strategic product that offers instant international money remittances from phone to phone. This is a major innovation and one of the fi rst deployments in the world that offers this feature; Led complete product development and launched Mobile Broadband in Vodafone Qatar for postpay and prepay customers; Gained over 10K prepay and 3K postpay connections within three months after launch (total voice customer base ~500K); Led complete product development and launched BlackBerry Service in Qatar which had over 3K customers within three months after launch; Created a new and innovative proposition: My Number / Star Number; Numbers proposition generated over 82M QAR (22.5M USD) revenue within the fi rst year after launch.

Matthew Talbot, Senior Vice President, mCommerce, Sybase 365Mr. Talbot joined Sybase in 2004 via the acquisition of Mobile 365, and took on the role of developing Sybase’s new mCommerce initiative in mid-2006. In December 2008, Sybase acquired paybox solutions AG, a market leader in mobile payment solutions to compliment its inhouse mBanking and Remote Payments offering to provide a full end-to-end mobile commerce solution. Prior to his current role, Mr. Talbot held the position of Vice President of Sybase 365 Asia, where he led Sybase to become the leading provider of messaging services in Asia

between MNOs and Enterprises such as Citibank, Microsoft and Singapore Airlines. Mr. Talbot holds a Bachelor of Business, Bachelor of Arts (Chinese) from Deakin University, and a Graduate Certifi cate in e -Commerce from Monash University, Australia.

Mehdi Khlouf, Co Founder, UnikPayWith an ever-evolving knowledge of Banking payments and Telecom services under his belt, Mehdi is a co-founder and CMO of GFT International a leading European company enabling international mobile top-ups and other innovating mobile services under the brand name Mobytop. He is also co-founder of UnikPay (corporate.unikpay.com), a payment card program provider based in France, issuing prepaid card across


Europe. Mehdi says that marketing innovation can leverage viable opportunity to provide basic payment services to the unbanked and underserved market worldwide. Convinced that model has to be changed to empower consumers’ use, he builds and promotes through Mobytop the “Cash to Services” model, complementing “Cash-to-Cash” remittance service, allowing immigrants living worldwide to top-up instantly the mobile phone of their relatives. He has over 8 years experience in sales & marketing strategy in several International Telco companies specifi cally targeting the ethnic market audience in Europe.

Michael Joseph, ex-CEO of Safaricom LimitedHe has been the CEO since July 2000 when the company was re-launched as a joint-venture between Vodafone UK and Telkom Kenya. Beginning November 2010, Michael retired as CEO and took up a new role as Safaricom’s Strategic Advisor. Currently, he is a member of the Safaricom Board and other Vodafone affi liates. He is also a World Bank Fellow appointed March 2011 to advise Governments, Regulators and other institutions on Mobile Money and other ICT initiatives. Mr Joseph has also led the evolution of Safaricom from a

traditional mobile phone company into a totally integrated communications operation with an enviable fi xed and mobile data service portfolio for individual, small business and corporate customers. Today, Safaricom is one of the leading companies in East Africa and the most profi table company in the region.

Neil Ahlsten, New Business Development, Google across Sub-Saharan Africa Neil joined Google in 2007 and has launched new products and partnerships in Ads, YouTube, Android and Mobile Search. Prior to joining Google, Neil managed humanitarian projects in Africa for The World Bank and US Department of State, and was an investment analyst for Parnassus Investments, a pioneer in Socially Responsible Investing.

Pascal Di Girolamo, Business Development Director, Mobile Financial Services, GemaltoSee advisory board for full profi le.

Peter Fredell, Chief Executive Offi cer, Board Member at Seamless Distribution AB Peter Fredell has been associated with SEAMLESS as a Member of the Board since 2009. From March 2011 onwards, Peter joined SEAMLESS as an Executive Director and President and currently isthe CEO and also Member of the Board of Seamless. Peter is currently the largest shareholder in Seamless with 15% of the shares. Peter was one of the fi rst employees at OMX in 1985, when the fi rst marketplace for options in the world was initiated. Today, the world sees Options Markets as natural and there is no major stock exchange

in the world without it. But when Mr. Fredell started out in the nineties, it was no less than a journey to moon. The expertise he developed thereafter, led him to share his knowledge with different companies across the globe. His fi rst destination was Switzerland where he became the manager of option trades at Bank Leu and occupied himself in starting the Swiss options market SOFFEX. His next stint was with the investment bank Bankers Trust in the USA where he worked at senior management level within capital market and corporate fi nance. Since 1992 Peter Fredell has been operating the investment company Fredell and Co AB.

Qasif Shahid, Head of Remote Banking & Business Development Executive Vice President, MCB Bank, Pakistan Qasif’s specialization lies in effectively driving change and innovation through the introduction of new services, solutions and products for retail banking customers. He has 15 years of experience in managing, building and growing payment businesses, deposit access plastics, introducing new-age banking channels, forging cross-industry alliances and developing winning partnerships with payment associations, technology solution providers, outsourcing entities and the regulators. MCB is the most profi table and one of the largest banks in Pakistan.

Qasif currently heads the Remote Banking and Business Development function for the bank. He has been associated with MCB since June 2008.

Ramez Younan, Chief Executive Offi cer, Orga Systems. In his position as CEO he is leading the globalization and reach of the company’s innovation, products and services. Ramez grew Orga Systems’ presence to 50+ countries as well as re-established local, extended Orga Systems’ reach to Asia, Middle East and Africa and established regional delivery and support centers around the globe. Prior to Orga Systems, Ramez was a senior executive at Oracle Corporation where he ran global organizations advancing BSS and OSS solutions at Telecommunication providers in over 45 countries worldwide.

Sammy Tuffaha, Head of Mobile Commerce , Orange JordanOver 18 years of Management, Consulting, Marketing, and Telecommunication experience at top global industry players including IBM Corp, AT&T Global Networks, and Orange Telecom. Established, coordinated, and deployed mobile banking and mobile payment services with various aspects including technical, legal, regulatory, distribution, and business plan.

Scott Lowe, Business Development Director, eLeaderScott is Business Development Director at mobile fi nance solutions vendor eLeader. Scott has held a range of positions in companies from Internet start-ups to large corporations such as ICL Fujitsu and Reuters. His experience covers major ICT projects for organisations including Credit Suisse First Boston and UK central government departments.

Snehar Shah, Head of Orange Money, Telkom KenyaSnehar has had fi fteen years experience in the Telecoms and Banking Industry, having started since the launch of Orange in the UK with roles in Strategy, Finance and Equity Research. He was posted as Deputy Chief Financial Offi cer to Kenya three years ago when Orange acquired a majority shareholding of Telkom Kenya. Last year, since the appointment as Head of Orange Money, Snehar has successfully launched Orange Money in Kenya with a rich and differentiated product offering for this market. The product will soon be expanded to

other markets in East Africa. Snehar holds a degree in Electrical and Electronic Engineering (BEng) from Imperial College, London and is a qualifi ed Chartered Accountant (ACA) and Chartered Financial Analyst (CFA).

Vincent Kadar, CEO, Telepin SoftwareVincent has more than 16 years of executive experience in software technology companies for wireless and telecom networks. Prior to his role with Telepn, 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.

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Operator Partners

Telenor Group is one of the leading mobile operators in the world, with 120 million mobile subscriptions*. We have mobile operations in 11 markets, as well as a stake of 31.67 per cent in VimpelCom Ltd., operating in 20 additional markets. Telenor Group provides tele, data and media services in the Nordics, Central and Eastern Europe and Asia. Our main revenues come from our mobile operations, making us one of the world’s major mobile operators: 120 million mobile subscriptions worldwide* ; Mobile operations in 11 markets, with an additional 20 markets through VimpelCom Ltd.; Grown from 15 million to 120 million mobile subscriptions in less than 10 years.

Vodafone is one of the world’s largest mobile communications companies by revenue with approximately 371 million customers in controlled and jointly controlled markets as at 31 March 2011. Vodafone has equity interests in over 30 countries across fi ve continents and more than 40 partner networks worldwide.Vodafone serves a broad range of customers from individuals on prepaid or contract price plans, to enterprise customers ranging from small businesses to larger domestic and multinational companies. We see signifi cant opportunities for our services in the areas of health, fi nancial services, agriculture and food distribution, particularly in the emerging markets which are at the heart of our strategy for business growth. For more information, please visit www.vodafone.com

Platinum Sponsor

Established in 1989, ProgressSoft has been focusing its profi ciency in Real-time Payments and Imaging technologies to deliver a set of innovative solutions tailored for the needs of the banking and fi nancial sectors. Serving a diversifi ed client base of 140+ banks in 22 countries around the globe, ProgressSoft provides solutions in the fi elds of Electronic Image-based Check Clearing, Mobile Payments, Automated Clearing House, Intelligent Signature Recognition and

Real-time Settlement for Securities Trading. Upon providing the region’s fi rst signature verifi cation system, ProgressSoft has pioneered the world’s fi rst Electronic Image-based Check Clearing solution PS-ECC; an unprecedented breakthrough in the payments fi eld that actualized truncation of checks from the branch level. www.progressoft.com

Gold Sponsors

Comviva is the global leader in providing mobile solutions beyond VAS. With an extensive portfolio of products and solutions that encompass content, commerce and community-related offerings, Comviva enables operators to offer

services that enrich mobile users’ lives. Comviva enhances operator effi ciencies and revenue performance by adding value at every stage of the customer lifecycle - from prepaid subscription and etop-up to customer care, and from real-time promotions and loyalty management to billing solutions. Comviva has extensive expertise in delivering and managing mobile solutions that extend beyond VAS, powering solutions to mobile operators in more than 85 countries worldwide and reaching over 600 million subscribers globally. For more information, visit www.comviva.com

Founded in 2005, Obopay INC.(www.obopay.com) offers partner branded mobile money technology and services that transform any mobile phone into a convenient and easy way to send and receive money, get paid or pay small businesses, top-up accounts, buy via mobile and pay bills. Obopay’s mobile money services address the needs of consumers and businesses around the world by providing a service that delivers value, empowers lives, and improves opportunity for merchants. Obopay believes the power is in the network and has established partnerships that include Nokia, MasterCard,

AT&T, Verizon, Essar, Union Bank of India, Yes Bank in India, Blackberry and Societe Generale. The company’s offering enables partner branded mobile money services that fi nancial services and mobile partners can implement quickly at low deployment cost. Obopay has corporate headquarters in Redwood City, CA and in Mumbai, India.

Seamless is specialized in solutions for Mobile Money and prepaid e-Top Up.The MolletTM is a consumer friendly Mobile Wallet for transfer of money and mobile payments. The software platform to

host The MolletTM is the industry recognized ERS 360˚, a scalable and versatile hub that seamlessly connects all entities in a mobile money eco-system. For Top Up, the ERS 360° hosts modules for distribution through retail chains, banks, street resellers etc. Seamless provides point-of-sale options for Top Up as well as cash withdrawal and deposit.Seamless has deployed solutions for 40 operators in 18 countries across 4 continents. www.seamless.se.

Siemens Communications, Media and Technology is the global partner for communication demands within a broad range of market segments. We are a Siemens unit located in CEE, Germany, India, and China. Our presence in emerging and

mature markets, together with a powerful network of partners, provides a strong basis for our activities all over the world.Siemens Communications, Media and Technology has longstanding expertise in driving communication-related subjects in different industries. Our well-proven skills and high reliability in managing complex projects are available at many locations around the globe. Our customers can rely on getting turnkey solutions that are based on unique combinations of best-in-class products, services, and project expertise, and benefi t from fl exible and effi cient business models and processes.walletXpress, our comprehensive recharging and mobile payment solution, offers subscribers a convenient and secure shopping experience - anytime and anywhere. walletXpress meets current and future requirements: it can be integrated and managed easily and is absolutely reliable and secure. And what is more, it has a proven track record of successful implementations all over the world.Living the Siemens values, we always deliver on our promises, creating sustainable values through our innovations.www.siemens.at/cmt

Mobile Money Sponsors and Exhibitors


Silver Sponsors

eLeader is one of the world’s top mobile innovators in the smartphone software market. Today eLeader’s pioneering enterprise solutions for smartphones are used by Fortune 500 companies in over 30 countries worldwide.eLeader’s range of state-of-the-art products includes scalable and fl exible solutions covering next generation Mobile Finance (m-banking, m-currency trading, m-stock exchange, m- authorization token), Retail Sales Force Automation (Retail SFA), Field Force Management (FFM), Mobile Business Process Management (m-BPM) and other areas for the fast

growing smartphone market. The company has a deep level of experience in development for a wide range of mobile device platforms, including Android, iOS/iPhone, Symbian, Windows Phone, Windows Mobile, RIM Blackberry, Bada, Java and others.

Gemalto is the leader in digital security with pro forma 2007 annual revenues of over €1.6 billion, more than 85 offi ces in 40 countries and about 10,000 employees including 1,300 R&D engineers. In a world where the digital revolution is increasingly transforming our lives, Gemalto’s solutions are designed to make personal digital interactions more convenient, secure and enjoyable. Gemalto provides end-to-end digital security solutions, from the development of software applications through design

and production of secure personal devices such as smart cards, SIMs, e-passports, and tokens to the deployment of managed services for its customersMore than a billion people worldwide use the company’s products and services for telecommunications, fi nancial services, e-government, identity management, multimedia content, digital rights management, IT security, mass transit and many other applications. www.gemalto.com.

Orga Systems’ convergent real-time charging and billing portfolio enables profi table business for Telecommunication Companies, Mobile Finance Institutions and Energy Suppliers.Orga Systems’ products and consulting services are designed for living in a connected world: scalable architecture, outstanding performance, lowest rating latency and consequent customer-centricity ensure reliable access to any kind of next generation mobile services. Worldwide 40+ customers, serving 350+ M subscribers, rely on Orga Systems and achieve competitive advantages in

their industry: reduced OPEX, real time-to-market, short-termed ROI as well as benefi cial access to new value chains and revenue streams.

Sybase 365, a subsidiary of Sybase, Inc. (NYSE: SY), is the global leader in enabling mobile information services for mobile operators, fi nancial institutions and enterprises. We provide our customers with the widest offering in SMS, MMS, GRX, IPX interoperability, end-to-end mobile commerce solutions, innovative mCRM, mobile marketing and content delivery services. Sybase 365 processes more than 1.4 billion messages per day, reaching over 850 operators and 4 billion subscribers around the world. For more information, visit: www.sybase.com/365. Read our blogs: http://blogs.sybase.com

Telepin Software is a leading provider of mobile fi nancial platforms, delivering mobile operators the most effi cient and cost-effective way to control their distribution network, maximize revenues from mobile fi nancial services, and drive innovative mobile fi nancial applications. Telepin’s Cayman Application Platform enables a full suite of electronic, transaction-based applications for mobile subscribers to recharge their mobile airtime without the use of physical cards or vouchers, facilitate P2P money transfers, allow for electronic bill payments, and more, using multiple channel interfaces. For more information visit www.telepin.com.

Bronze Sponsors

eServGlobal specializes in Mobile Money solutions and Value-Added Services (VAS), to help Telco Service Providers increase their revenue and gain and maintain customer ownership. More than 60 customers in over 45 countries use our capabilities to lead and innovate in their local markets and leverage their core assets. With 14 offi ces globally, eServGlobal provides full “end-to-end” and “any account to any account” Mobile Financial Services and International

Money Transfers in multiple licensing alternatives. Our Value-Added Services in promotions, loyalty, messaging and multiplay enable service providers to engage with the subscriber in a personalized and dynamic manner. More information at: www.eservglobal.com

MoreMagic Solutions, Inc. is a leading global provider of mobile commerce and fi nancial services solutions. Our leading-edge technology has led to the development of MagicHubTM, a global mobile commerce and fi nancial services hub that brings mobile operators, fi nancial institutions, retail distributors, NGOs and others together with MagicSuiteTM, the industry’s most comprehensive suite of innovative applications and services to enable the transfer of value within and across national borders in multiple, convenient and inexpensive ways. With MoreMagic, all connected businesses

can introduce new products and services, reduce time to market, increase revenues and better serve the needs of their customers. MoreMagic’s global network already includes over 120 mobile operators in more than 60 countries and over 150,000 retail distribution agents worldwide. Founded in 2000, MoreMagic is headquartered in Boston, MA, with offi ces in New Delhi and Abu Dhabi.

Movilway is one of the leading electronic payment distribution platforms in Latin America. Since 2010, Movilway’s initial strategy has focused on leveraging its network and alliances in the Latin American wireless arena, quickly establishing itself in the prepaid airtime marketplace. Movilway now operates across 10 countries in LATAM and has

over 65,000 direct points-of-sale in high growth markets such as Mexico, Argentina, Chile and Colombia. Movilway’s broad footprint facilitates regional agreements with service providers and operators raising service standards. Movilway is deploying its robust and comprehensive network of direct points-of-sale to offer more products and services in more countries.MoreMagic Solutions. More information at: www.movilway.com

Brand Sponsor

In today’s world, you have potential customers all across the globe. Former residents of your country living abroad need to communicate and provide fi nancial support to friends and families back home. IDT enables you to open new markets and improve ARPU with an unmatched portfolio that includes cross-border mobile top-up, international mobile money remittance services and prepaid phone cards. By partnering with IDT, together we can leverage our distribution network and your brand to reach new customers all over the world.

To explore how we can partner together, please email us at [email protected]

29t. +44 (0) 20 7067 1831

With over 15 million terminals deployed in more than 125 countries, Ingenico is a leading provider of payment solutions. Its 3,000 employees worldwide support retailers, banks and service providers to optimize and secure their electronic payments solutions, develop their offer of services and increase their point of sales revenue. An « One Stop Shop » offer of secure transaction solution

complete and inclusive. Ingenico is the partner of choice for fi nancial institutions, banks, major retailers and single shop outlets worldwide. Ingenico provides retail and single outlet operators with a “One Stop Shop” offer of secure transaction solutions.

Mobytop is an international mobile top-up service developed by GFT GmbH, a German payment service provider. Our aim is to provide innovative and cutting-edge service to transfer instantly lower value transactions like international top-up, mobile voucher, or utility bills payments. Mobytop allows immigrant communities to support their families living in their home country reloading their mobile phone instantly and simply through Web, IVR,

Mobile, SMS or POS channel. Mobytop cover over 70 countries and 200 mobile operators interconnected to its international platform. GFT GmbH provides a new complement service on the mobile money transfer ecosystem through its global hub integrating mobile operator and distributors.

Pin-Pay’s Vision: To set the mobile payment standards by providing fi nancial services to mobile users. Pin-Pay’s Mission Statement: Pin-Pay’s goal is to provide secure, convenient and reliable fi nancial services to all mobile users using cutting edge technology by transforming any mobile handset into a payment tool. Pin-Pay SAL is a technology company founded in July 2008 providing mobile payment and mobile banking solutions via a state-of-the-art platform. Pin-Pay has developed a telco-free operating model that integrates our platform with the Banks’ core systems thus allowing our users pay remotely to anyone,

anytime and anywhere. Our platform is: Highly Flexible; Highly Scalable. All transactions are encrypted using the highest standards of encryption making each transaction 100% safe and secure

Sicap is one of the world’s leading providers of mobile software solutions. Sicap’s technology and complementary portfolio, including Micropayment Processing, empower mobile operators to deliver a superior end-user experience, while maximising revenue streams and reducing operating costs. These solutions are used by 120 customers in over 75 countries worldwide, serving 835 million subscribers. Visit www.sicap.com

CIT VERiCASH provides innovative mobile money solutions for both banked and unbanked populations supporting basic and advanced fi nancial services. Introducing the new concept of Multi-Wallet offering variety of collaborative business models to facilitate all the echo-system stakeholders by providing variety of solutions servicing the end users. CIT VERiCASH solution has been developed via state-of-the-art technology providing end-to-end security supporting

advanced solutions such as cardless ATM/POS transaction, mobile billing, and advanced agent registration. VERiCASH is the mobile money payment division of CIT Global; the company has established a strong track record in software package for electronic payment and mobile solutions. CIT Global has setup a comprehensive offering to provide mobile fi nancial services to unbanked population as well as enhancing customer experience for existing mature market.

USB Sponsor

MoneyGram International, a leading money transfer company, enables consumers who are not fully served by traditional fi nancial institutions to meet their fi nancial needs. MoneyGram offers bill payment services in the United States and money transfer services worldwide through a global network of more than 233,000 agent locations--

including retailers, international post offi ces and fi nancial institutions--in more than 191 countries and territories. To learn more about money transfer or bill payment at an agent location or online, please visit http://www.moneygram.com or connect with us on Facebook.

Exhibitors

Aikku is an international consulting fi rm specialized in mobile fi nancial services and regulatory aspects within all the spectrum of services around these initiatives. Aikku’s consultants leverage their experience from their extensive

involvement advising and assisting Telecom Operators, Banks, Micro-Finance Institutions and Service Providers at a.ll stages of their activities, from conception and elaboration to negotiation and implementation.Our combined diverse cultural, educational and professional backgrounds meet the challenges of a global market approach. Additionally, our worldwide network of colleagues and partners provides a unique combination of local and international skills and knowledge covering an extensive array of mobile fi nancial expertise.

Businesswise (B-Wise) is one the leading m-commerce companies in Latin America. It specializes in bringing turnkey solutions to the major MNOs, retailers and fi nancial institutions, not only providing them with technology but also with the creation, integration and management of a network of agents either for airtime reselling or m-commerce services.

B-Wise integrates and manages more than 50 thousand agents for operators such as Telefonica and Claro. With its suite of software products (Smart-m-Commerce, Smart-m-Loyalty, Smart-m-Banking, Smart-m-Wallet and Smart M-Pos), B-Wise is able to adapt to any market condition, bringing innovative solutions for MNO’s, Financial Institutions and retailers.

EastNets is a leading provider of global compliance and payment solutions and services with over 1,000 customers in 120 countries. EastNets provides anti-money laundering (AML), anti-fraud, payment and transaction management solutions, and SWIFT plug-ins to add value to SWIFT connectivity for improved risk protection, transparency and cost

controls. Through its fully-managed SWIFT Service Bureau, EastNets provides SWIFTNet connectivity and add-on services for over 200 fi nancial institutions. EastNets is headquartered in Dubai with 16 offi ces across Continental Europe, North America, Asia-Pacifi c and the Middle East.

Estel Technologies provides innovative software technology & services to Telecom Operators, Banks & their Service Providers, with a special focus on Asia, Africa, Middle East & CIS countries. Our headquarters & the main development cum delivery center is located in India, with sales offi ces in South Asia, Dubai & Africa. Our Mobile Commerce Suite enables the following services: Mobile Remittances: money transfer using mobiles; Micro Banking: branchless banking for the un-banked (via mobile wallets); Salary disbursements into subscriber mobile wallets; Mobile Payments; Mobile Banking; e-voucher, e-top up; Balance Transfer & Emergency Credit.


Giesecke & Devrient is a leading global technology group that has been committed to the key concepts of security, innovation, and trust since it was founded in 1852. We are your one-stop shop for secure applications. Our complete portfolio of secure elements for mobile communication, payment identifi cation and access

together with our software and services for managing the entire lifecycle of secure elements, devices and applications turn the diversity of SIMs and devices into your advantage. Our technology reaches over 1.5 billion subscribers and more than 200 mobile networks worldwide rely on our technology for solutions including SIM based dynamic roaming steering, terminal confi guration, SIM lifecycle management and value added services management. www.gi-de.com

GFG Group is an innovative provider of consumer electronic payments software to Mobile Network Operators (MNO’s) and banks. GFG’s key solutions include card management and mobile payment solutions. GFG has provided applications and systems integration to customers in more than 20 countries and more than 140 million consumers have access to GFG Group applications. GFG launches new payment products up to 55% faster, with operational cost savings of up to 70 percent. This combination of

greater speed to market and lower operational costs gives GFG Group customers a measurably faster return on investment.

Infobip is a global telecommunications specialist providing a mobile services cloud for enterprises and mobile operators. Infobip provides corporate entities, fi nancial institutions and network operators worldwide with carrier-grade SMS, LBS, USSD and HLR number lookup solutions. All our solutions and services are designed and developed in-house by our team of highly

skilled and motivated industry specialists offering you the benefi t of years of experience coupled with unrivalled fl exibility and reliability. As an active stakeholder in the telecoms industry, Infobip is an Associate Member of the GSM Association and Mobey Forum. We power your mobile world.

Your search for EXCELLENCE in Mobile Banking ends at MODE FINSERVER. MODE FINSERVER is a Mobile banking and mobile payment solutions provider headquartered in Bangalore (India) with offi ces in Middle East and Africa. MODE Finserver offers mobile, web and real time enterprise solutions across the globe. MODE Finserver core solution offering includes:

• Mobile Banking, Agency Banking, Branchless Banking for Banks • Mobile Wallet, Mobile Money, Virtual Money Account Solution for Telecom Operators • Mobile Payment, Mobile Commerce, Mobile Remittance Solution for Financial Service Providers MODE FINSERVER is involved in orchestrating some of the best mobile fi nancial services like EAZZY247 (Equity Bank Multi Country), Iko Paisa (Orange Telecom), Zain Wallet (Zain Telecom) to name a few and the numbers are still growing. With a dedicated team of professionals and industry leading associations with Samsung, Blackberry, Android, Qt, iOS etc we are sure that we can relinquish your thrust for a award winning mobile fi nancial tool. Come Let’s Talk. Money on Demand - Your MODE of Payment.

MobiPay Technologies Limited (MTL) was founded in Nicosia, Cyprus in 2009. MTL is a Development & Marketing company with primary focus on using Mobile Technology as an additional channel of communication in the fi nancial world. This initiative was developed by pooling our extensive expertise in Financial Services and Technology Development driven by the need for fi nancial delivery tools in developing markets.

MobiPay Technologies Limited (MTL) management team is a highly experienced and dynamic team, committed to implementing effective solutions. Our team’s experience covers the areas of Finance, Banking, Technology Development, Regulation, Advocacy and System Analysis and Testing.

Oberthur Technologies is a world leader in the fi eld of secure technologies: systems development, solutions and services for smart cards (payment cards, SIM cards, access cards, NFC…) and for secure identity documents, traditional and electronic (identity card, passport, health care card), production of banknotes, cheques and other fi duciary documents, intelligent systems to secure cash-in-transit and ATM. Oberthur Technologies has 6,800 employees through 40 countries and 65 sites. The Group posted 2010 sales of €979M. Website www.oberthur.com

Oracle is the world’s most complete, open, and integrated business software and hardware systems company. With more than 370,000 customers — including 100 of the Fortune 100 — in more than 145 countries around the globe, Oracle is the only vendor able to offer a complete technology stack in which every layer is engineered to work together as a single system. Oracle’s

industry-leading products give customers unmatched benefi ts including, increased productivity, scalability, effi ciency, powerful performance, and low total cost of ownership. The powerful combination of complete solutions and complete choice drive better business performance and help customers tailor their enterprise business and IT strategy, optimize their IT investments and use IT as a strategic point of differentiation. For more information, visit oracle.com.

Orion Payment Networks develops solutions for Branchless Banking and Mobile Money for Banks and Mobile Network Operators (MNOs) across the world. Our fl agship product, Orion Enterprise Platform has been deployed and tested in scenarios including, Agent led Branchless Banking, Mobile Money, G2P payments, Bill payments gateways and merchant payments. Orion enterprise platform is the only mobile fi nancial services solution designed from the ground up to deliver Agent-led branchless banking and mobile money

solutions which enables the delivery of innovative fi nancial services through multiple delivery channels (Mobile, Web, ATMs, POS). Orion integrates into the technology systems landscape of Banks including Core Banking systems, AML and Risk & Compliance solutions while for MNOs, Orion integrates with J2ME handsets, SMS, USSD and other mobile delivery channels. For more information, visit: www.orionpn.com.

Roamware’s Macalla Platform enables easy access to the following mobile fi nancial services both nationally and internationally: Mobile Remittances - transfer cash directly from one mobile to another; Mobile Wallet - provision of banking services to those without bank accounts; Bill Payment - subscribers can pay bills and agents can offer bill payment services;

Mobile Banking - subscribers can access banking transactions via mobile; Mobile Top-Up - recharge call credit, from mobile phones, either directly or by agent; GATE - hub for P2P national and international airtime transfer. Each service can be implemented to be carried out either directly by the end-user or via an agent or merchant. www.roamware.com

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Associate Partner Supporting Associations

Media Partners

TAGATTITUDE specializes in mobile payment and security technologies. Tagattitude’s patented NSDTTM (Near Sound Data Transfer) technology enables the instant use of ALL phones worldwide as payment tools and authentication devices: all handsets, all networks, no downloads, period. NSDTTM uses the phone’s audio channel to transmit secure transaction data.

In 2008, Tagattitude released TAGPAY, a complete mobile micro-banking platform powered by NSDTTM. TagPay includes proximity and remote mobile payment services such as in-store or online merchant payment, money transfer, and more. TagPay enables banks, payment service providers, and MNOs to offer accessible and secure fi nancial services to anyone with a phone.

TransferTo is a Global Airtime Remittance Hub that interconnects mobile operators prepaid systems to deliver end to end cross border top-up services. TransferTo is the only fast, convenient and reliable solution enabling the transfer of small amounts of value in the form of prepaid mobile credits, the ideal low cost, high value complement to cash remittances. TransferTo has been designed for migrants and travellers, who can now remotely recharge the prepaid phones of their loved ones back home from

their mobile phones, the Internet or at a retail location. TransferTo is a must have Value Added Service for Mobile Network Operators, Retailers, Money Transfer Operators and Financial Institutions targeting the ethnic market segment. With a global reach over fi ve continents, TransferTo is the leader in international prepaid airtime remittances, and enables real time prepaid top-up transfers to over 250 partner Mobile Network Operators in over 80 countries. TransferTo is part of Ingenico (Euronext: FR0000125346 - ING) the world’s leading provider of payment solutions, with over 15 million terminals deployed in more than 125 countries. Its 3,000 employees worldwide support retailers, banks and service providers to optimize and secure their electronic payments solutions, develop their offer of services and increase their point of sales revenue. For more information, please visit the following website: http://www.transfer-to.com or www.ingenico.com

Founded in 2010, Viamobile is a service provider of mobile payment and banking solutions which can be used by fi nancial institutions, mobile operators, e-commerce providers and merchants. Viamobile provides end-to-end managed solutions for its

customers and partners, ensuring continuous innovation, high level of security, and support. Beyond the technology, Viamobile has been successful in putting together Mobile Payment Managed Services which gives a comprehensive fi nancial stand point to its end users. In less than a year, the application was launched with a different number of banking payment services, but most importantly through fl exible and fast integration with key commercial partners. Viamobile is a privately held company, located in Beirut, Lebanon. Specialties: Mobile Banking, Mobile Payment.

Wirecard AG is a leading international provider of electronic payment solutions. Our product portfolio spans payment processing, fraud protection/risk management and issuing solutions for merchants, telecommunications network operators and fi nancial institutions worldwide, including innovative acquiring and issuing technologies in consumer fi nance, loyalty and

contactless card and mobile payments. Worldwide, Wirecard supports over 12,000 companies from a wide range of industries ranging from Orange and T-Mobile, to Turkish and Malaysian Airlines, to Microsoft and QVC. Wirecard has offi ces throughout Europe, the Middle East, Asia and North America and is listed on the Prime Standard of Deutsche Boerse in Frankfurt.

Mobile Money Supporting Associations and Media Partners

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Mobile Money Explained: Vodafone drives Mobile Lifeline services

Interview with Matthew Kirk,

Group External Affairs Director,

at Vodafone

Sonum Puri, Event Director for Mobile Money Global Summit, part of the Connected World Forum, recently spoke to Matthew Kirk, Group External Affairs Director at Vodafone on his thoughts on mobile lifeline services such as mo-bile money, mobile education and mobile health and the impact of these services in emerging economies.

Mobile Money Global Summit is part of the Con-nected World Forum... a unique event that will show you how to launch and scale ‘mobile lifeline

services.’ Mobile Money. Health. Education. Agriculture.

Here is what Matthew had to say...

Sonum: Vodafone Group are responsible for the most well known and commercially successful Mobile Money program, M-PESA. Rewinding 5-10 years, what was the motivation and inspiration for launching the service?

Matthew Kirk: M-PESA came out of a number of factors; one obviously was the spread of access to communications through mobile technology. We did a lot of work at the time looking at the social impact of mobile- how people would use the technology and how it would enable them to improve their lives and their economic opportunities. Naturally, this pointed towards one of the adjacent areas which is also a major enabler of economic opportunity, which is the handling of money and the access to basic banking type services.What we could see at an early stage was that mobile technology could penetrate a much larger proportion of the popula-tion than banking servic es and if you could somehow therefore, pull together at least the cash transfer side of what most people in the developed world do through banks and similar institutions and enable that through the mobile, then you would deliver a signifi cant enabler of opportunity. I think it relied on the fact that within the mobile phone, through the way in which the SIM card operates on the network, you can achieve a high level of certainty around the identity of the recipient and sender. And so that critical element within the fi nancial institution relationship was something that with the right development and right technology would be some-thing relatively simple to replicate on the mobile platform. However, nobody knew if there would be demand for it and so we set up a pilot project to see to what extent we could prove; a. the technology and b. the customer desire for the service. The speed of take-up of handling money in Kenya (bearing in mind that mobile in Kenya was still a very much new technology platform for communications) was much greater than we or anyone had anticipated. That really showed us just how strong a need this type of service was fulfi lling.

Sonum: Can you defi ne the term Mobile Lifeline services for any of our readers to whom it may be unfamiliar?

Matthew: I wouldn’t say that this is really a defi ned term, but rather one, that has been used in parts of our company to describe a number of types of services. Es-sentially these are services adjacent to the basic communications such as voice, text and so forth, that you would expect to have on your mobile phone. Through the ubiquity of the platform, the user has access to other forms of service which have strong social or economic values for them.

Sonum: Mobile Money, Mobile Education and Mobile Health seem to be obvious examples of Mobile Lifeline services; would you agree that agriculture is also a type of Mobile Lifeline service?

Matthew: Yes very much so, I think education and healthcare are very obvious areas but we are also looking at agriculture and other parts of the economy. Agriculture is important because of the proportion of the population engaged in agriculture in emerging economies. One of the striking features of agriculture is that the basic in-formation that you would be accustomed to fi nding without much diffi culty in North America and Europe, simply exist in the same way in Africa or India, which makes it that much more diffi cult to bring improvements in systems that create new op-portunities. .And so, there is a function of collection of information and then a function of dissemination of information in a form that is useful and timely to people. This in turn enables them to manage agricultural operations and logistic supply much better so as producers and farmers, they can then feed into the purchasing systems in an effi cient and timely manner. So, there are a bundle of things that you can do of that kind: if you add on a payment service you make it possible for agriculture components to not just be a provision of information but also transactional.

Sonum: What impact can Mobile Lifeline services have on the lives of under-served people in emerging economies?

Matthew: Well I think the impact could be signifi cant and it should allow them to develop the way in which they are conducting their economic activity far more rapidly than if you were simply relying on the normal evolution and development of an economic system to happen. So we will be able to short circuit the normal innovation cycle and disseminate the effects quickly, bringing benefi t not only to producers but also to others in the agricultural economies and food and production economies in emerging markets

Sonum: In what sort of time scale do you think we could expect to see the full effects of such services?

Matthew: I can’t put a time scale on the full effects because at each stage of development, people come up with new innovations, and this is one of the exciting features of this technology. So I hope you never see the full effects, because we want to keep innovating and improving services! Inevitably it takes time to get a system from an idea into something that is used by a large number of people, but I hope there will be a relatively short time until we start to see how the positive impacts could be delivered. However getting to a point where a large number of people have learnt new ways of doing things and new uses of technology are put in place, made robust and linked into other systems e.g. power supplies, logistics, railways, and all the rest of it, well that could take a number of years... yet, I don’t fi nd this discouraging, in that I think lots of benefi ts could be shown quickly if you continue to build and connect, but you need to take the community with you, as you go along, rather than taking one enormous step.

Sonum: Has the success of M-PESA particularly in Kenya and Tanzania, proved the case for further Mobile Lifeline products and services?

Matthew: Defi nitely, not just M-PESA, but also other innovations have undoubt-edly shown that people are willing to trust their mobile phones for more than just basic communication, and as the technology we put into their hands becomes more sophisticated; the price of smart phones comes down (not just the high end ones but more basic ones that give internet access); and networks improve, internet access gets better – the range of services you can offer with a handheld device will become greater and will feed new innovation and business models. In Ghana we are working with the Worldwide Web Foundation which is supporting internet entrepreneurship, fuelling opportunity for people to create new business through developing locally and relevant services and content for communities in their own country and region, which requires a combination of entrepreneurial spirit and a certain skill set. So, it’s really a platform that can take lots of different directions and M-PESA is a good example because it would not work, operating only for a small group of people, its served the specifi c needs for a large volume of people and delivered huge value.

Sonum: Do you think that services such as Mobile Money and Mobile Health can be successful in developed as well as emerging markets?

Matthew: There are good examples in developed markets, but in terms of mobile money, the demand gap has not been as great in the developed markets. You have large networks of ATMs and internet banking and so forth, so the ability to access basic fi nancial services is already well spread and well available. The demand gap of mobile provision is much smaller, but still there are a number of initiatives pushing into this area. Healthcare is a huge opportunity and if you take the right approach in mobile healthcare, you can make the delivery system both more ef-fi cient and more personalised to meet the needs of an individual. Also, in developed countries, big systems are in place for healthcare delivery which makes things more complex and slower and the demand gap is lower. Innovation is happening in developed markets but the impact is always much more striking in emerging markets and that’s why you hear more about those stories.

Sonum: Vodafone provide a number of Mobile Health solutions - what are you doing to ensure that customers and patients are educated on the usability, security and convenience of these services?

Matthew: I think as with mobile money, mobile education and agriculture, a mobile phone company can’t do it alone, and one of the important lessons we have learnt from the adjacent areas is to build cross sector partnerships, as you can only de-liver the result which is of value to the patient if they already fi t into the healthcare operating system: what weare seeing is the solution actually powered or enabled by the mobile. Now, M-PESA is interesting because it was largely done by us but we needed a banking partner. The business model will depend on the regulatory regime and banks can have a more prominent role to play e.g. in India. So, I think that the fi rst step is to create cross sector partnerships and gather together the different strands to provide new approaches to offering the services to the customer and then it becomes about attracting new customers. The next step is to involve the mobile phone company or another stakeholder, depending on who would be better placed in the value chain to take on the responsibility of usability, security and convenience, but this is likely to vary case by case.

Sonum: Have Vodafone seen any specifi c political support for Mobile Lifeline services and if not, how important is it to engage governments in order to drive adoption?

Matthew: Oh, very important and we received plenty of political support from donor countries and NGOs. The development of M-PESA was partially funded by DFID in the UK, and lots of good support is coming from governments in emerging markets which is important as you often fi nd the regulatory or fi scal framework in a country, unintentionally, puts barriers in providing services in new ways. It’s important to get engagement with governments and political society to help people understand the benefi ts that can be delivered and allow debate on how the fi scal or regulatory regimes need to evolve to bring about the right effects.

Got a question for Vodafone? Come join Vodafone experts on conference day one and two. See pages 12-15.

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Mobile Money Explained: Turkcell is the largest MNO in Turkey and the fi rst operator to launch an approved TSM NFC solution by MasterCard in Europe

Interview with Ergi Sener, Product

Manager, Mobile Financial Services,

TurkcellErgi Sener, who heads up NFC applications for Turkcell, gets beneath the hype to provide a real insight into the appetite for NFC as well as the critical success factors that will lead to widespread adoption and acceptance.

Turkcell is the largest MNO in Turkey and the fi rst operator to launch an approved TSM NFC solution by MasterCard in Europe. Turkcell is the also fi rst GSM operator in the world to represent more than one bank application on its mobile wallet service, Cep-T Cüzdan.

Here is what he had to say.

Sonum: What steps did Turkcell need to take in order to launch NFC payments in Turkey?

Ergi Sener: Turkcell have consistently been introducing mobile payment innova-tions on a local and global scale. These innovations have been market fi rsts, e.g. Turkcell became the fi rst operator in the world to represent more than one bank application. We utilised MasterCard’s mobile wallet solution, ‘Cep-T Cüzdan’, based on NFC technology. With its state-of-the-art technical infrastructure, Turkcell suc-ceeded in creating and managing secure domains inside the SIM with Simple Mode using the operator’s OTA (Over-The-Air), to create a real wallet concept.To realise these, an end-to-end platform was developed; new customer processes were formed and integration with service providers was fi nalised. As parts of the project, development of OTA, TSM (Trusted Service Management) and NFC gateway platforms were developed in order to achieve the end-to-end platform goal. Turk-cell OTA was built in a way that it establishes a platform in which both subscribers and service providers can easily adapt. All required applications, including account information are encrypted and loaded over-the-air into the secure areas formed in the SIM cards. NFC GateWay Platform was developed for transmitting the com-mands taken from service providers or TSM to the SIMs in a secure environment. Moreover, the TSM platform was also developed and Turkcell has been the fi rst mobile network operator in Europe to launch an approved TSM solution by Master-Card. From this platform, Turkcell Cep-T Cuzdan will open a whole new world of oppourtunities for mobile users; from ticketing, ID applications, physical access to loyalty applications and payments. After a series of customer reports, Turkcell Cep-T Cuzdan UI was designed, based on both Java and Android operating systems which has led to providing consumers the ability to control and manage their cards. This is an added benefi t in com-parison to the limitations of physical cards and wallets. Even though the demand for NFC has been around for 6 years, the main reason why it has not become a widespread technology is due to the lack of NFC enabled handsets. Thus, Turkcell has developed and launched its own branded handset with NFC functionality. As the successor of Turkcell’s fi rst branded handset called T10; T20 was manufactured as a UICC based SWP and consequently, NFC enabled by default. It seems that this will be a key factor for the penetration of NFC services in the Turkish market.

Sonum: Who are your main partners and what role do they play?

Ergi Sener: NFC technology has not yet reached a mature phase. Although, many tests have been done, a succesful commercial model hasn’t been formed yet, since the global standards are new and so many parties are involved in the ecosystem. Thus, while developing our platform, the business model was also formed by work-ing with all the related parties.Turkcell’s Mobile Financial Services division of New Technology Business led the project with the participation of the SIM & Multimedia Team of Turkcell Technol-ogy (Turkcell’s R&D company). Our SIM card manufacturer is Gemalto; payment authority, MasterCard. The business development and IT departments of partner banks, Yapı Kredi and Garanti Bank have also added value to the project. Also, the handset manufacturer of Turkcell branded T20, Huawei, joined the project with a crucial role of developing T20s with SWP UICC based NFC functionality.

Sonum: How did you identify the need for NFC in Turkey?

Ergi Sener: NFC will impact the mobile world radically according to Gartner. By 2012, Mobile payment and and NFC enabled applications like mass transit passes, mobile copuons and tickets and smart loyalty applications will be ranked among the top mobile applications. The mobile phones have more and more signifi cant roles in our lives nowadays. Recent research reveals that people like the idea of making payments with their mobile phones instead of conventional means of payment. Moreover today, Turkey is one of the most developed countries in terms of payment systems. More than 3 million customers are already using contactless credit cards and there are almost 50.000 contactless terminals in the fi eld, making it the second advanced market in terms of contactless terminals after the UK. Thus, Turkish people are getting used to contactless payments. They not only use contactless cards for payment, but for public transport systems; offi ce and home access systems and loyalty systems. So, contactless cards have already been a part of Turkish peoples’ lives for a long time already. Instead of carrying many physical cards, people prefer to carry only their mobile handsets. Turkcell Cep-T Cüzdan provides consumers with unifi ed access to payment and other relevant services (such as ticketing, ID, access, couponing and loyalty) through their mobile device. Besides, Turkey has one of the youngest populations in Europe, people are very open to new products and services as well as technological innovations and ‘being the fi rst adopter’ and taking advantage of new services and products. Mobile phone penetration is almost 100%, so we aim to create a holistic framework which can

integrate contactless services and be scaled across current and emerging mobile payments and mobile devices, accommodating the needs of a heterogenous con-sumer base. Our aim is to create a service which provides best in class usability and fl exibility to integrate future value added services into the mobile wallet. As mentioned, there is a high appetite for mobile payments in Turkey. Furthermore, mobility can also provide so many advantages for the customers in terms of pay-ment, that can also increase the interest and penetration. Our approach to the mo-bile wallet is a connected wallet so that details about the applications in the wallet can be learnt quickly and then the applications can be used in a more effi cient way. We also want to present an easy to use and practical user experience, in which payment and value added services, such as location-based campaigns, additional loyalty points during payment and direct campaign offerings, are integrated. The UI was developed in a way that all the processes are analysed through the custom-ers’ eyes. These facts combined with Turkcell’s vision that NFC will be one of the major means of payments for all other contactless transactions, brought about the inevitable service launch for Turkcell.

Sonum: What will be the main use cases for your service?

Ergi Sener: Single tap use cases that mainly combine payment with loyalty and couponing applications as well as public transportation will be the main use cases of Turkcell Cep-T Cüzdan. Since, mobile phones have more and more signifi cant roles in our lives, many different use cases can also be formed such as access and ID systems, ticketing,etc. Since, payment seems will be the killer application of the mobile wallet, initially Turkcell Cep-T Cüzdan focused on enabling card payments, specifi cally contactless retail payments at the POS. Yapı Kredi Bank was the fi rst service provider that took part in Turkcell Cep-T Cüzdan. After Yapı Kredi, Garanti Bank also completed its integration and launched its Services in Cep-T Cüzdan in July. Integration projects have been continuing with other banks, many of which will be fi nalised by the end of this year. We have also been piloting some other NFC applications such as access systems of Turkcell headquarters and lunch voucher payments in some selected restaurants with some Turkcell employees. Toll collection systems will also be integrated to Cep-T Cüzdan soon. Since mass transit applications are used on a daily basis, we think that they will be the catalyst for penetration.Other service providers operating in transportation, loyalty and ticketing businesses will be available for the service subscribers by the end of 2011 too and custom-ers will experience the real wallet concept with the convenience of their mobile equivalent.

Sonum: How will mobile payments integrate with the existing payment infrastructures? Initially many of the NFC based mobile wallets are focused on enabling card payments, specifi cally contactless retail payments at the POS.

Ergi Sener: Thus, the mobile wallet service design should support a multi card architecture. Card offerings from other issuers will follow over time progressively increasing available consumer choice and enabling a multi-bank environment with time. Today, many banks have issued new contactless enabled cards and the number of contactless terminals have been growing day by day (although the contactless acceptance network has not come to an expected level when compared to standard POS devices.)The POS manufacturers have decided to develop their new POS readers as contact-less embedded, thus, the number of contactless terminals will increase exponen-tially. This, coupled with an increase in NFC enabled handsets and SIMs, will make NFC payments reach a siginifi cant level. So the number of contactless acceptance points and usage areas should be increased in order to provide penetration.The promise of the mobile wallet is more than contactless transactions and mobile phone and network capabilities, mobile wallets will be changing how we make commerce and will change consumer shopping habits. There can be many op-portunities with the use of mobile wallets, but this requires a transformation in that customers need to get famialir with using their handsets for these applications.

Sonum: What are some of the key considerations other stakeholders need to take when it comes to rolling out NFC payments?

Ergi Sener: A business model and technical requirements should be formed with the consensus of all the stakeholders in the ecosystem. And, the interoperability should be provided both on a technical and strategic level nationally and inter-nationally. Some companies should lead in all these processes to give accelerate progress. As Turkcell, we tried to take this responsibility and developed our end to end platform with the participation of related parties. The NFC ecosystem is one of the biggest and most complex environments, thus all stakeholders need to work cooperatively and in an harmony.

Sonum: What attracted you to speak at Mobile Money Global?

Ergi Sener: I want to present Turkcell’s approach to mobile payments and NFC, and our multi-application platform, especially as this became a widely cited case study in the GSMA’s Pay-Buy-Mobile group, we want to share our experience both techni-cally and strategically through many of our innovative solutions.

Got a question for Ergi? Come join Ergi Sener on conference day two, at 16.30.

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37t. +44 (0) 20 7067 1831

Pre-conference Workshop: Monday 31 October 201109:30 Registration and Coffee

The mHealth Academy is a must attend workshop for anyone to deploy an mHealth programme or to simply optimise an existing service. It features a fully interactive format designed to ensure that you leave the event armed with all the advice you need to make your mHealth project a success!

10:00 Building a successful mHealth programme: from concept

to market

• Overview of the healthcare landscape

• Addressing the role of the mobile technology in the healthcare

ecosystem

• What us the state if the mHealth market and what are the

existing and future opportunities?

• Establishing the mHealth ecosystem and the role of each

stakeholder – operators, clinicians, regulators, NGOs, public –

private partnerships, software developers, vendors

Tikki Gee, Assistant Director, CIO Offi ce, Ministry of Health Holdings, Singapore

12:30 Lunch

13:30 Analysing recent developments in mHealth technology

and ensuring that your mHealth technology produces a

successful end-to-end mHealth solution

• Mapping out the technology developments in the mHealth

industry

• Identifying the main challenges associated with providing

a technology that fully caters for the healthcare industry’s

needs

• Overcoming the challenges of developing an mHealth

solutions that bridges the cross-industry divide

• Making sure that the technology you choose fully supports

your mHealth business

Dr. Zakiuddin Ahmed, National Coordinator for eHealth, Federal Ministry of Health Government of Pakistan

Mobile Health Academy

Conference day one: Tuesday 1 November 201108:30 Registration and coffee

Mobile Money and Mobile Health Plenary Sessions to take place in the same conference room.



09.10 Keynote presentation: harnessing the power of

mobile money services and investing in community

development to bring an end to poverty


09.40 Keynote presentation: facilitating socio economic

transformation in emerging markets through mobile

lifeline services


10.10 Panel discussion: integrating mobile money and mobile

health to develop robust services for the 1 billion

individuals lacking access to healthcare systems and

fi nancial services globally

• How to leverage the ubiquity of the mobile phone to offer

fi nancial services and healthcare provision

• The convergence of mobile money and mobile health: remote

payment and settlement of testing, labs, remote diagnostics

and encouraging savings towards medical procedures

• Understanding the synergies between the mobile money

and mobile health industries – common objectives to

transact securely, quickly and cost effi ciently; build digital

infrastructures and business processes to establish an

ecosystem of mobile lifeline services in emerging markets

• Developing the business models and partnerships to offer

integrated services, understanding the revenue opportunities

for stakeholders whilst offering cost effective services

• Future uses of mobile money for m-health and the impact of

mobile health to spur demand for mobile fi nancial services







Mobile Health 2011

11:30 Opening remarks from the Chair

Karim Taga, Managing Director, Arthur D Little

11:40 Smart Health – Facilitating Healthcare through

Connected Communities

• Patient centric healthcare is not just desirable, but critical.

Making this possible is a responsibility that du takes very

seriously

• The burden of increased healthcare costs on the community,

scarce healthcare resources and rising consumer

expectations is a strong business driver for change in delivery

models. Innovative mobile and ehealth models are a need of

the hour

• The epidemic-like prevalence of chronic diseases in the

region is a growing crises.

• du acknowledges the strategic role that telecom operators

can play in bringing consumer communities and healthcare

stakeholders together, and delivering connected healthcare.

du is committed to this vision of a community that is focussed

on wellness and healthy living

Farid Faraidooni, Chief Commercial Offi cer, du


12:10 Mapping out the mHealth evolutionary path and

forecasting growth and new opportunities in the industry

• Analysing the current status of mHealth on a global scale –

how has it developed over the last 2 years and how evolved are

current deployments?

• From information services to personalised healthcare

and wellness: what are the different mHealth applications

currently being used and which will be more successful?

• How will the mHealth industry evolve over the next 5 years

and what new opportunities, cost savings and revenues can

the industry expect?

Hervé Algrin, Sales Development Director, Orange Healthcare

12:40 The status of mHealth in India and identifying the main

challenges and opportunities

• Examining the main drivers of the growth of mHealth services

in India

• The healthcare landscape in India

• Identifying the challenges associated with deploying an

mHealth service in India in terms of handset availability,

illiteracy rates, technological awareness

• Developing strategies for the widespread use of mHealth

services as a means to support Indian healthcare services


13:10 Panel discussion: Who will drive the mHealth industry?

This interactive session will offer key speakers and delegates alike the opportunity to share and debate their ideas on who is best placed to drive the development of the mHealth industry.

Panellists:



Faisal F. Bin Zarah, Director Adjacent Services, Mobily

Juergen Pillinger, New Business Development, Orange Austria

Dr.Adnan Abuy-Dayya, CEO, qu Wireless Innovations Center (QUWIC)

13:40 Lunch and exhibition

14:40 Orange Austria case study: A successful mHealth

programme 1.5 years on

• Introducing Orange Austria’s mHealth service

• Overcoming the challenges that an MNO will face when

entering the health system: what are the specifi c challenges

and considerations

• What Orange Austria has learnt about mHealth to date


15:10 Technology convergence and mobility in healthcare

Dr Vinod Seetharaman, Programme Lead – Healthcare & Lifesciences, Global Analytics , Hewlett Packard

15:30 Leveraging mHealth to increase effi ciency and reduce

costs in the healthcare industry

• Calculating costs attributed to the healthcare industry and

identifying categories that could be reduced through the use

of remote technology and information systems

• How will the healthcare industry evolve over the next 5 years

• Understanding and overcoming the challenges associated

with successfully introducing mHealth technology to a

hospital or health practice


16:00 Afternoon refreshments

16:30 Using mHealth in the rain affected areas of Pakistan

• How Pakistan has used Mobile health to save thousands of

rain effected people

• How Mobile health can provide life saving to the issue of

Maternal and Child Mortality, which Pakistan has highest in

the region

• What is the role of Pakistan’s National Disaster Management

Authority in using Mobile health in the eradication of polio and

other blood related diseases?

• How are mobile network operators supporting the mhealth

initiative in Pakistan?

Abdullah Butt, Advisor, National Disaster Management Authority, Prime Minister Secretariate Pakistan

17:00 Introducing m-Pharma: mHealth’s thin wedge or a new

ecosystem altogether?

• Is mHealth living up to industry expectations?

• Understanding how the pharmaceutical industry is securing a

high ROI on the mHealth applications and innovations

• Bright Simons, CEO, mPedigree

17:30 Closing remarks from the Chair

17:40 Close of conference day one followed by networking drinks reception

Mobile Money Awards

Mobile Health 2011 delegates are invited to attend the Mobile Money Awards Ceremony

Conference day two: Wednesday 2 November 201108:30 Registration and coffee

09:00 Opening remarks from the Chair

Wesam Alanquar,Lead Manager, A D Little

09:10 How to ensure the technology used in your mHealth

programme is offering secure and patient-centric

healthcare

• Identifying the specifi c requirements for your mHealth

programme taking into account its purpose and aim

• Analysing the behavioural patterns of the patient group that

you aim to target

• Demographics and behavioural patterns of typical mHealth users

Kim Guest, Head of National Accounts, O2 Health

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09:40 Working with partners effectively to deliver easy to use

commercial mHealth services for senior citizens

Michael Reilly, Director, Doro mHealth

10:10 Delivering healthcare the mobile way

• Escalating incidents of heart diseases has led to increased

fatality due to myocardial infractions, particularly when the

condition is not detected early

• Analysing Ephone’s patented mobile phone with integrated

ECG and health monitoring functions

• With 98% correlation with precordial 12-lead ECG reading,

Ephone’s healthcare

Eric Loh, CEO, Ephone International

10:40 Morning refreshments

11:10 Roundtable discussions

Delegates will break out into 6 different roundtable discussions. Each roundtable will be moderated by an industry expert.

Roundtable discussion 1: How are patient’s perceptions of healthcare and technology evolving and how can you encourage them to adopt mHealth services?

Roundtable discussion 2: How will the healthcare industry adopt mHealth services and what needs to happen to encourage healthcare professionals to adopt the different services?


Roundtable discussion 3: Given the complex nature of emerging mHealth business models, who should fund the programmes?

Roundtable discussion 4: How important is the privacy and security of patients, and who out of the stakeholders should take the responsibility for this?

Roundtable discussion 5: How can governments and NGOs help to drive the mHealth industry and how can they benefi t from it?


Roundtable discussion 6: How can mHealth evolve to offer preventative and wellness services?


12:40 Lunch and exhibition

13:40 Singapore’s personal health management strategy to

engage people and communities through innovative

consumer health technologies

• Singapore’s ehealth programmes & current state of development

• Singapore’s healthcare challenges and national personal

health management (PHM) strategy to engage people and

communities, to achieve national health goals

• The role of personal health technologies in enabling people

and communities in the management of their health to

achieve higher self effi cacy

• The potential of mHealth and other consumer health

technologies in a highly connected society like Singapore

Tikki Gee, Assistant Director, CIO Offi ce, Ministry of Health Holdings Singapore

14:10 Call centre 101: Deploying an mHealth service that

provides 24 hour access to health information and advice

• Analysing the business model needed to implement a

successful mHealth information service

• Determining who should own the project

• What are the security and privacy implications of providing 24

access health information?

• Developing an effective pricing strategy that encourages

service usage whilst ensuring a clear ROI


14:40 Deploying mHealth services to actively support remote

patient healthcare with increased effi ciency & reduced costs

• The business case for deploying mHealth services to support

and improve remote patient monitoring

• Overcoming the specifi c technological challenges of remote

patient monitoring

Dr Sundaram Arulrhaj, President, Sundaram Arulrahaj Hospitals

15:10 Addressing the need for patient privacy and security in

order to ensure that you mhealth service is ethical and

promotes customer loyalty

• Understanding the key challenges associated with storing

personal and private data

• Analysing storage systems traditionally used by the

healthcare industry transmitted in an effi cient way

• Overcoming the challenges associated with keeping patient

information completely secure and confi dential – what is the

implication of using the cloud?

• How demonstrating patient security and privacy can improve

customer loyalty

Dr. Charles Alessi, MiHealth

15:40 Afternoon refreshments

16:10 Analysing public demand and standards for mHealth

Dr. Sally Stansfi eld, Senior Associate Integrare, Advisor to Intelligence for Humanity

16:40 Creating standards and certifi cation that promote

interoperability throughout the mHealth ecosystem

• Examining how a lack of interoperability can impact the

mHealth ecosystem

• Developing a strategy for defi ning and producing effective

standards for the entire mHealth ecosystem

• What is the current status of mHealth standardisation and

certifi cation throughout the world?

• Angela Single, Health and Wellness Innovation Lead, BT

17:10 mHealth in health information delivery: the Indian market

• The impact of mobile technology on the Indian Society: which

services are particularly popular?

• The growth of mHealth as a health information delivery tool

• The main challenges associated with health information

delivery projects

• Addressing the specifi c considerations that different health

information delivery projects must have when using mHealth

as a dissemination tool in India

Geena Mary Skaria, Dept. Of Health Information Management, Manipal University

17:40 Closing remarks from the Chair and close of conference


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Abdullah Butt, Tele Health and E Learning ConsultantAbdullah Butt is a leading consultant for Telehealth and e-learning, in this context, he is working with international companies to bring in technology and knowledge in country, these include USA, UK, UAE, Saudi Arabia, Romania, Korea, India, Bangladesh and South Africa.

Dr. Adnan Abu-Dayya, CEO, qu Wireless Innovations Center (QUWIC)Dr. Adnan has more than 20 years of international experience in the areas of wireless/telecomm R&D, innovations, business development, and services delivery. Before moving to Qatar in 2007, he worked for 10 years at AT&T Wireless in Seattle, USA where he served in a number of senior management positions covering product innovations & emerging technologies, systems engineering, and product realization. Before that, Adnan worked as a Senior Manager at Nortel Networks in Canada in the advanced technology group and as a Senior Consultant at the Communications Research Centre in Ottawa, Canada. From April 2007 to Dec. 2008, he was the Chairman of the Electrical Engineering Department at Qatar University. He led the initiative to create and then was appointed as the Founding Executive Director (CEO) of the newly established QU Wireless Innovations Center (QUWIC) in Jan. 2009 at the Qatar Science & Technology Park, Doha, Qatar.

Angela Single Angela started her career as a registered nurse at Barts and Royal London Hospital, England. She trained as a Community Nurse before becoming a Senior Health Service Manager of an Acute Hospital Trust. She completed her BAhons in Healthcare Management in 1996. In 1999 she started one of the fi rst UK’s Telehealth Companies, Healthwatch, becoming its Managing Director in 2000. In 2003 she was appointed as CEO of Choose Independence a specialist Telecare and Telehealth Consultancy. She has lead the way on standards for Telecare

and Telehealth service delivery in the UK developing the 2009 Code of Practice for the UK’s Telecare Services Association. She is an inaugural member of the International Congress of Nursing’s Telenursing Advisory Group and is a member of the Department of Health Telecare Advisory Network. She travels extensively advising on the benefi ts of telecare and telehealth. In June 2011 she joined BT as their health, wellness and innovation lead. She specialises in strategic re-design of health and care systems, long term condition management, telehealth and telecare delivery models.

Bright B. Simons, CEO, mPedigreeBrights’ interests are in technology, development, political economy, and how these phenomena intersect to create large-scale change. His work in these areas has been channeled through the mPedigree Network (www.mPedigree.Net); as well as through the public interest organisation, IMANI (www.imanighana.org), a research institute ranked among the world’s 20 most innovative think tanks. He invented the mPedigree mobile phone anti-counterfeiting system, which is already contributing to the fi ght against counterfeit medicines, a cause of death

for an estimated 2000 people around the world daily. Bright is an Ashoka Fellow, TED Fellow, Archbishop Tutu Fellow, Tech Museum Laureate, and a member of the Crans Montana Forum, and the World Economic Forum’s Global Agenda Councils, Risk Response Network and Technology Pioneers Communities. Bright is regularly consulted as a resource person by such organisations as the World Bank, the West African Health Organisation, the African Union, and the Commonwealth.

Mobile Health Speaker Biographies

Mobile Health Advisory BoardJuergen Pillinger, New Business Development, Orange Austria Telecommunication GmbHAfter projects like mobile music and having led the introduction of DVB-H to the Austrian market from Orange side the main focus is now on topics like E-health, mobile advertising, mobile broadband and Machine2Machine communication. He is also a member of the board of the Mobile Marketing Association Austria (MMAA). Before joining the wireless industry in 2005, Juergen Pillinger was working as a consultant for high-tech enterprises, mainly in the fi eld of fi nancing of R&D and venture capital.

Karim Taga, Managing Director, Arthur D LittleKarim specializes in telecommunications and he is a member of the TIME (Telecommunications, Information Technology, Media and Electronics) practice. He is active in this industry for 18 years already. Author of the last four editions of the Global M-Payment report.His interests are primarily focused on three functional areas:• Business strategies and marketing concepts • Corporate Finance and business planning • Leading the global ADL competence center of technology economics Karim had a major responsibility and was in charge

of more than 100 assignments in Strategy, Organization and Technology for: fi xed and broadband operators, mobile operators, content aggregators, media players and broadcasters, suppliers as well as supported

Krishnan Ganapathy M.Ch.(Neurosurgery), President, Apollo HospitalsAn Adjunct Professor, at the IIT Madras, Tamilnadu Medical University & Anna University, Chennai Dr Ganapathy was formerly Honorary Consultant and Advisor in Neurosurgery Armed Forces Medical Services. A former examiner & Inspector for the National Board of Examinations Ministry of Health, Govt of India he was also an overseas examiner to the Universiti Sains Malaysia and the Royal College of Surgeons Edinburgh . He is Member of the Editorial Board of 4 International and 3 National Journals in Neurosciences . A pioneer in

introducing Telemedicine in India Dr Ganapathy has been working relentlessly from 1999 for the growth and development of Telemedicine in India. A Member of the National Task Force on Telemedicine he is a Co Founder of the Telemedicine Society of India.


Tikki Gee, Assistant Director, CIO Offi ce, Ministry of Health Holdings Sinapore Mr.Tikki Gee’s has over 15 years of technology experience in healthcare, supply-chain management and automotive industries. He has held senior management roles in MNCs and has led and managed large IT projects in Asia Pacifi c, delivering a variety of technology-enabled solutions for Fortune 100 Companies like Coca-Cola, Swire, Pepsi and Petronas. Mr. Gee joined Singapore’s MOH Holdings in 2008 and as Assistant Director is currently responsible for developing and implementing Singapore’s Personal Health Management Strategy. Tikki tweets

regularly about mhealth via pseudonym: @connected_care and has spoken in regional mhealth conferences.

Zakiuddin Ahmed, Federal Ministry of Health GovernmentDr. Zakiuddin Ahmed is a visionary strategist who specializes in developing innovative solutions for Healthcare Services, Education and Business through information technology. He is the National Coordinator for Telemedicine & eHealth, Ministry of health, Government of Pakistan, President of Healthcare Paradigm, CEO of eHealth Services Pvt. Ltd., Medical Director of PharmEvo, COO of Smart Health Care and Project Director of Health Asia.


Eric Chee Mun LOH, CEO - Ephone International (S) Pte LtdMr. Loh has more than 15 years of experience in the medical device and healthcare industry. Prior to joining Ephone International (S) Pte Ltd, Mr. Loh spent more than 10 years at Biosensors International Group Ltd,a publicly-listed company serving the interventional cardiology and critical care markets. At Biosensors, Mr. Loh served different senior management roles during the company’s early-stage development and was involved in the growth of the company leading to its successful IPO in 2005. Mr. Loh was most recently the Senior Vice President of Biosensors and was the head of its investor relations and strategic corporate communications department. He concurrently held the role as the company’s head of Human Resource for Asia Pacifi c during a time when he implemented successful strategies that supported the company’s growth. Since joining Biosensors in 2000, Mr. Loh fi rst served as the head of Strategic Business Development and was instrumental in leading several successful partnerships and acquisitions. He next served as the company’s Managing Director of its Singapore operations in 2002 and was instrumental in leading the successful operation and sales growth in Asia Pacifi c. Prior to Biosensors, Mr. Loh was with the Singapore Government and was responsible for identifying and developing medical device technology companies worldwide through investments and management.

Farid Faraidooni, Chief Commercial Offi cer, duIn his current role as Chief Commercial Offi cer, Farid Faraidooni is responsible for all the Sales, Marketing, International Carrier Relations, Business Development & Strategic Partnerships, Brand and Communications and Customer Care functions at du. In his previous role as Executive Vice President of Corporate Affairs, du, Faraidooni handled corporate programme management, telecom regulatory affairs, corporate governance and investor relations. He was also involved in developing policy and strategic directions for du. Prior to joining du,

Farid played a key role in the implementation of the information communications technology cluster in Dubai Internet City (DIC), and the development of the telecom infrastructure of DIC and TECOM. Farid also served as the Director of Telecom for TECOM from April 2002 to May 2004.

Geena Mary Skaria, lecturer in the Dept. of Health Information Management, Manipal college of Allied Health Sciences, Manipal University, Karnataka, India. She is working with this celebrated university for more than a year now. She has also been into various administrative posts in Manipal group of hospitals. Along with the academic commitments she is interested in health informatics with special focus on maternal and child health improvement initiatives. Published an article titled ‘Health Phones: A Potential Game Changer in Health Information Management’ in the

Online Journal of Health and Allied Sciences (OJHAS) and has also presented papers in similar areas. She is currently working on a research project focusing on mhealth in expecting mothers.

Hervé Algrin, Directeur du Développement, Orange Healthcare.Alumnus of the Ecole Polytechnique and Civil Engineer of Ecole Nationale de Ponts et Chaussées, Hervé Algrin began his career in the delegated management of public services. After a period of consultancy in strategy and management (A.T.Kearney), he joined France Telecom Mobiles in 2001. In 2005, he joined the Regional Direction of France Telecom for Paris, as Development Director, in charge of innovative projects, deployment of optical fi ber to the home and care services. Among these projects, Hostonautes has made available to children hospitalized at the Hospital Armand Trousseau, a

secure Internet environment enabling them to follow their education and stay in touch with their relatives. Since 2008, he is in charge of the international development of Orange Healthcare, supporting the Group’s subsidiaries in the deployment of telecommunication services for healthcare professionals and telemedicine.

Juergen Pillinger, New Business Development, Orange Austria Telecommunication GmbHSee advisory board for full profi le

Krishnan Ganapathy M.Ch.(Neurosurgery), President, Apollo HospitalsSee advisory board for full profi le

Dr. Sally K. Stansfi eld, Physician Epidemiologist, Health Systems Technology AdvisorFocusing on metrics and the development of institutions and policies to deliver better health outcomes. Sally works with multiple stakeholders, including UN member states, technical agencies, donors, and civil society groups that are committed to strengthening country-owned strategies and systems for health. An expert in evaluation and planning for health systems, Dr. Stansfi eld has worked extensively in Africa, Asia, Central and South America and the Middle East. She was the founding director of the Health Metrics Network initiative, an innovative partnership hosted by the WHO to strengthen health information systems. For seven years prior to working at WHO, she worked within the newly established Global Health Program for the Bill & Melinda Gates Foundation. There, she was instrumental in shaping strategies and in creating and managing several landmark alliances including the Global Alliance for Vaccines and Immunization (GAVI), the Global Fund to fi ght Tuberculosis, AIDS and Malaria (GFATM), and the Global Alliance for Improved Nutrition (GAIN).

Prof.Dr.Sundaram Arulrhaj, M.D.,FRCP.,Physician & Intensivist, President, Sundaram Arulrhaj HospitalsPracticing in a small town in Tamilnadu, Tuticorin and developed a hundred bedded Multi Speciality Hospital Medical Institution with Hi-tech diagnosis and modern treatment facilities. Changed the Medical Practice Profi le of Southern Districts of Tamilnadu to Scientifi c and Evidence based. Organized Specialty Health Care affordable to the Common man.

Tikki Gee, Assistant Director, CIO Offi ce, Ministry of Health Holdings Sinapore See advisory board for full profi le

.

Dr. Vinod Seetharaman, Program Lead - Healthcare & Life sciences, Global Analytics, Hewlett PackardDr. Vinod has worked as a medical practitioner in the government & private healthcare sectors for many years before moving into the healthcare technology space with Hewlett Packard. At HP, he’s also part of the global business solutions team.

Zakiuddin Ahmed, Federal Ministry of Health GovernmentSee advisory board for full profi le

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Visit us at booth #42 to learn more


Mobile Health Explained: How Orange Austria have made their mHealth services a success

Earlier this month we caught up with 2 of our expert speakers, to fi nd out

what they are working on and where they think the industry is headed.

Earlier this month we caught up with one of our speakers, Jeurgen Pillinger, New Business Development Manager, Orange Austria and here is what he had to say:

Could you tell us a bit about Orange Austria’s mHealth services?

What we have done in the latest one and a half years is to set up a remote patient monitoring system for the chronic diseases diabetes and hypertension. After a 12 month trial we went live June last year and since then we’ve been selling the programme on the market quite well. We’ve got fi rst results and now we are looking forward to expand it to various other diseases like COPD, ECG and looking into the whole lifestyle and

wellness part as well.

What do you think are the key challenges faced by the mHealth industry?

To be honest there are various key challenges, which there are fi rst hand in regu-lated countries like Austria or the rest of Europe, there is quite a lot of regulation which poses some problems because the system is not set up yet for mhealth services so when you talk to doctors they say ‘it is a really good solution, but where are we going to fi t it in the regular system of social security?’. Social securities have already allocated some budget in Austria [but] they don’t really know how to use it on the various projects there. You know, when it comes to patients of yours you have to solve the different issues like data privacy, what we did by getting everything certifi ed by the data privacy commissions in Austria and to adapt them to new technologies which are now being used in the health system.

Where do you think mHealth is headed and what current and potential future developments excite you the most?

I think it is a big opportunity as a new market which evolves from the use of mobile technologies and you can now use them for the health sector as well. I think there are various opportunities, from remote patient monitoring, to go into lifestyle prevention market to just have someone accompanying your daily life, to ambient assisted living. So I think there are various opportunities for various players and I think we’ll see quite a lot of people and companies going into the market and doing some really exciting stuff there.

Could you tell us a bit about what delegates can expect to learn from your pres-entation at this year’s Mobile Health conference?

What I am trying to give is feedback on what we got from the market and pass it on to the delegates. Give them some insight on what we did from start of the idea, over the trial to the launch, what problems we faced, what success stories we have and what the outlook is so I think it is very important to give some feedback of actual projects that are in the market and just tell people what problems, challenges and success factors they might face.

What were your thoughts on last year’s Mobile Health conference?

It was a very well organised conference and it was good to meet people from all over the world and also from countries like India and Bangladesh and from African countries, just to see what health is in their defi nition which is completely different from what we might see it. So from an educational point of view, from a reminder point of view, from getting people to know different points in their health system to just really attacking chronicle diseases so it was a good mix and I’m looking forward to this year again.

See Jeurgen Pillinger speak on conference day one at 13.10 and 14.40 and on conference day two at 11.10.

What mHealth services is O2 Health offering?

We work with NHS and private healthcare organisations and we offer them services around helping them to deliver their services that they deliver to patients more effi ciently. So for exam-ple access to medical records on the move and documentation and those kind of things, we have a telehealth solution coming out in the latter part of the year that will deliver the ability for patients

to have remote consultation with healthcare professionals and help them as they see fi t. We also have a solution coming to market which is in the fi xed telecare space and makes that completely mobile, the red button panic alarm, so they have a panic alarm which gives people the functionality to track and move around.

How do you feel that the mHealth industry has developed over the last couple of years? What has changes?

I would say the interesting thing is that I don’t look at it as mhealth or ehealth as I just look at it as health. I’ve always perceived that this is about providing health solutions for patients. It’s about providing health related solutions, making sure that patients have access to the healthcare professionals, look after their health and manage it whether they are in or out of home. It’s about providing health re-lated solutions and providing better access. The fact that that it might be delivered through a mobile versus fi xed solution makes little difference, it’s about delivering a health solution.

What would you like healthcare providers to know about mHealth?

For me it’s about the opportunity to look at the way they deliver solutions and the way they manage their processes now and we know the focus is about deliver-ing care as much as possible in the community to the patient if we can. It’s about

delivering solutions and looking at being able to deliver them in a different way. The focus is to deliver care as much as possible in the community and for me it’s about delivering solutions and looking at the way that those solutions are delivered now and help them draft those solutions to help them deliver them as close to the patients’ home as possible, rather than using the traditional route which is to bring them to the hospital and treating them there.

What are the biggest challenges facing the industry today?

There are issues around patient data and data security. There are issues around the use of technology – some people still have fears around the use of technol-ogy which makes them reluctant to manage patients in a different way. There is a perceived risk they have around what technology can or can’t do.

What can attendees of Mobile Health 2011 expect from your presentation?

It will be about how we can deliver innovative solutions to help patients man-age their own health and manage their own health and manage their wellbeing differently than they do currently. It’ll be about talking about some of the proven solutions we have put into the market and it will challenge people’s way of thinking about the healthcare market. Just because it has always been done that way doesn’t mean it has to continue to always be done that way.

What are you most looking forward to about Mobile Health 2011?

I look forward to the questions, which probably most people don’t. Particularly at international ones like this, I look forward to the interaction, the opportunity you have to hear and see what people are developing in different parts of the world and in different countries.

See O2 Health’s, Kim Guest, speak on conference day two at 09.10.

Mobile Health Explained: How the mHealth industry has developed and what services O2 Health is offering

Keith Nurcombe,

Managing Director,

O2 Health, Telefonica

47t. +44 (0) 20 7067 1831


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Vodafone is one of the world’s largest mobile communications companies by revenue with approximately 371 million customers in controlled and jointly controlled markets as at 31 March 2011. Vodafone has equity interests in over 30 countries across fi ve continents and more than 40 partner networks worldwide.

Vodafone serves a broad range of customers from individuals on prepaid or contract price plans, to enterprise customers ranging from small businesses to larger domestic and multinational companies. We see signifi cant opportunities for our services in the areas of health, fi nancial services, agriculture and food distribution, particularly in the emerging markets which are at the heart of our strategy for business growth. For more information, please visit www.vodafone.com

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Bronze Sponsors

Doro is a Swedish company that focuses on developing, marketing and selling telecom products targeted particularly at seniors – a growing group of people worldwide. With over 35 years of experience in the telecom industry, and sales in more than 30 countries on fi ve continents, Doro today is the world’s leading brand in simple, easy-to-use mobile phones. Doro

created the Care Electronics segment and has in recent years received several international design awards. The company generated sales of SEK 633 m in 2010. Doro’s shares are quoted on the OMX Nasdaq Stockholm exchange, Nordic list, Small companies. Read more about Doro at www.doro.com

EPI Life is a consumer device which allows a non-medically trained person to capture his or her heart rhythm measurement (Electrocardiogram or ECG) with clinical precision at the point of symptoms. The ECG trace can then be transmitted at a touch of a fi nger via the integrated mobile phone platform to a 24- hour medical center for prompt response and advice. Together with

EPI Personal Health Concierge and Personal Health Folder, the EPI Life presents a complete and hassle-free remote health monitoring solution with the potential impact of early detection and saving of lives. Compared to existing products on the market, the EPI Life does not require the use of any additional wires/electrodes, gels, plasters or wearable components. Recording of ECGs is done within 30 seconds simply by touching the sides of the device with one’s fi ngers, a procedure simple enough to be adopted even by the elderly.

Exhibitormihealth™ is a Canadian company that empowers patients with the information they require to take better control of their own health and wellness. This is accomplished by giving patients secure online access to their physician-validated medical records as well as to their dependents’, and allowing two-way communication between themselves and their physician. Patients have the option to securely access mihealth’s services through their smartphones and tablets via mihealth’sHealthpass application. Healthpass allows patients to access their medical records, fax or

email their records, and securely communicate with their physician - all instantly from their smartphone or tablet.

Mobile Health Sponsors and Exhibitors

Mobile Health Supporting Associations and Media Partners

Associate Partner Media Partners

Mobile Health 2011 is accredited by the CPD Certifi cation Service. Attendees earn 18 points towards their continual professional development. Please see the registration desk if you need a certifi cate.

Wireless Healthcare

49t. +44 (0) 20 7067 1831

51t. +44 (0) 20 7067 1831

Conference day 1: Tuesday 1 November 2011

11:30 Mobile Agriculture – Leveraging mobile applications

to support the evolution of the agriculture industry in

Africa

This session will look at the innovative work that the Grameen Foundation has done in developing and deploying mobile apps and services to support farmers in Uganda. Accounts of real-life experiences will be shared. This will be a unique opportunity to learn from an organisation with practical experience of a new and exciting mobile services industry.

Sean Krepp, Country Director, Grameen Foundation

14:00 How mobile microfi nance is being used to support

agricultural development

John Owens, Chief of Party, Microenterprise Access to Banking Services

16:00 Analysing the growth and use of mobile entertainement

apps and services in emerging markets

Conference Day Two: Wednesday 2 November 201111:30 Understanding how du are leveraging mobile learning

apps to promote their e-Health services

This session will look at mobile learning in the context of pharmaceutical medical reps knowledge management, early life style modifying education at schools and consumer health education.

Santanu Biswas, Director e-Health Services, du

14:00 Vodafone Digital Communities

This session will present Vodafone’s pioneering work on new mobile services and will look at how they are transforming lives through mobile

Garren Bird, Digital Communities Lead, Group Commercial Development

16:00 Innovations in mobile ticketing

Mobile Life SeminarsMobile Life Seminars will feature recent innovations in mobile applications and services, pointing to a growing trend amongst mobile operators to provide an increasingly personalised and holistic mobile service to their customers. Make the most of this opportunity to meet professionals at the cutting edge of the mobile evolution during the two days of dedicated seminar sessions led by experts at the front line of new mobile apps deployments.

A series of seminars spread over two days will offer you an insight into the latest developments in mobile lifeline apps and services. Hear from pioneering companies du, Grameen Foundation, Vodafone and more on the development of Mobile Agriculture and Mobile Learning services.

Garren Bird, Digital Communities Lead, Group Commercial Development

Garren Bird is leading an initiative within Vodafone’s Group Commercial Development organisation to accelerate and scale new businesses that use mobile to provide critical services to underserved populations in emerging markets. Working with our operating companies and partners across Africa, Asia and the Middle East this initiative aims to

develop these businesses to their full commercial and social impact potential. Garren joined Vodafone in 2010 from the Carbon Trust, a UK organisation working with businesses to accelerate the move to a low carbon economy. She began her career and spent eight years at Bain and Company, the global strategy consultancy where she worked in the Boston, New York and London offi ces across multiple industry sectors and strategic issues. Prior to joining Bain she spent a year as an independent consultant with the World Bank in Indonesia and Ashoka: Innovators for the Public in Thailand working on a variety of rural development and entrepreneurship issues. She received an MBA with honors from Wharton in 2005 and lives in London with her husband

John Owens, Chief of Party, Microenterprise Access to Banking

ServicesA lawyer and recognized expert in the fi eld of microfi nance and mobile money services with more than 23 years of fi eld experience in Africa, Asia, the Caribbean, Latin America and the Middle East. He has worked on using mobile money to support mobile fi nancial 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-offi ces now making use of mobile money to provide mobile phone banking services across the Philippines. John is currently an independent board of directormember of Movilway and is on the international advisory panel of the Mobile Money Transfer (MMT) Forum.

Sean Krepp, Country Director, Grameen Foundation

Santanu Biswas, Director e-Health Services, du

Mobile Life Speaker Biographies

Updates and communities

The Mobile apps and services community is kept up to date with news about our events, speakers and sponsors on a regular basis. As well as email, telephone and direct mail contact, news, discussions and information is also shared through LinkedIn, YouTube and our Monthly Mobile Money and mHealth newsletters.

Monthly Newsletters

MMT and Mhealth News are authoritative newsletters sent to 10000+ delivering cutting edge news stories dominating the market as well as interviews with high profi le experts at the forefront of the industry.

To sign up, please email your details to [email protected]

Clarion Payments channel on YouTube

Watch highlights and exclusive interviews from our previous Mobile Money events on the new YouTube channel.

Visit www.youtube.com/clarionpayments

Mobile Money Global Gateway launched!

The Mobile Money Global Gateway is a new site that has been created following requests from the industry for a mobile money community hub. You’ll fi nd everything from the latest news, excusive interviews, market brief-ings, whitepapers, events and a defi nitive company directory.

Check out the regional events in our Mobile Money event portfolio and be sure to sign up to our FREE webinars. The comprehensive directory will allow you easily identify potential customers, suppliers and partners, guaranteed to help with your day to day business.

Save the website to your favourites and if you’d like to be part of the directory please get in touch. To fi nd out more contact us now on +44 (0)20 7067 1831 or [email protected]

Go to stand 16 to see a live demo

LinkedIn Networking Groups

Membership is open both to our speakers, delegates and sponsors AND to other interested parties who are not able to attend our events.

Feel free to invite your colleagues and business partners to join.

Connected World Forum is more than just an annual event

rreaeateted following requests from thhe e ininduduststryry f foror a aatest news, excusive interviews, market brief-

olio and be sure to sign up to our FREE webinars.ntial customers, suppliers and partners,

MMNEW

It’s about a community of executives all over the world who want to share their experiences of developing, deploying and managing ‘mobile lifeline services’.

mHealth Networking Group

The mHealth Group is an opportunity for all mobile telecommunications industry experts, healthcare professionals, governments and NGOs to learn, understand and share the very latest developments in mobile healthcare.

Join 1500+ of your peers around the world at www.linkedin.com/e/gis/2850008

Mobile Money Transfer Networking Group

The MMT Group is a worldwide networking community for pioneers in MMT from MNOs, banks, MFIs, MTNs, mWallet and other technology providers, plus regulators, NGOs and advisers.

• Network with 5,000+ Mobile Money practitioners worldwide• Daily news items on the latest MMT pilots and launches • Interviews with MMT’s pioneer CEOs• Lively discussion board covering project management, technical

and business model challenges of MMT• MMT technology supplier directory• A great forum to share your questions and experiences - the quality

of discussion can surpass that of a premium priced business journal• Exclusive discounts for future Mobile Money ConferencesJoin 5000+ experts now at: www.linkedin.com/e/gis/1137767

Introducing our Mobile Money Webinars

An exciting new series of Mobile Money webinars were launched in July in partnership with MicroSave.

Each bi-monthly webinar explores a specifi c practical challenge that mobile money practitioners face as they deploy and roll out their services.

Each Webinar lasts for approximately 1 hour and attendance is free to all participants, so invite your prospects, clients and staff to participate.

Find out more at www.mobile-money-transfer.com/mmt_global/webinar-info

r pioneers in MMT from MNOs, banks,GOs and advisers.

in partnership with MicroSave.

bile money practitioners face as they

Webinar Timetable

19th July Effective pricing models and customer willingness to pay – view on demand now!

6th September Beyond remittances: How to expand your mobile money product suite – view on demand now!

1st December Coping with Dormancy

10th January Creating an effective marketing strategy


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