Download - Building an Ecosystem - The mdinar© case
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Building an Ecosystem
The Case©
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Electronic money « Edy » : Accepted in about 30,000 stores
Credit Card ID, launched by NTT DoCoMo
Apartment keys Integrated in the mobile
Loyalty card For airline companies (ANA, JAL)
Accepted in Vending machines (Coca-Cola, C-mode2)
What the future of the Mobile looks like
The case of Japan
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0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
88%
86%
66%
2%4%
11%
9%
10% 21%
0.01
0.02
Mobile Access costs
Mobile Commerce
Paid mobile services
Mobile advertising
Source : NaoshiNema/Hironori Tanalka, Morgan StanleyMobile Commerce : Sale of physical and virtual (ringtones, logos, etc…)Mobile Services : Hotel reservation, transportation, bank, …
The structure of present Japan lets us imagine what the future is made of
Rest of the world 2008(194 M$)Japan in 2000(6 M$)
Japan in 2008(43 M$)
Mobile Revenues
Benchmark with the rest of the world
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The service targets non banked who have a prepaid phone
Secure: Protected by a pin
Simple: Embarked solution
The success of M-PESA“Sending Money Home”
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Source: Vodafone, 2009
0-500501-1,000
1,001-2,000
2,001-3,000
3,001-4,000
4,001-5,000
5,001-10,000
10,001-20,000
20,001-35,000
0%
5%
10%
15%
20%
25%
30%
Transaction Value (Ksh)
Example: for a 1,000 Ksh, transfer, the costs are:
• Up to 500 Ksh via les conventional methods
• Between 30 and 75Ksh for M-PESA solution
Transaction costs much lower than the banks’
Distribution of mobile transactions in Kenya
8,5 17 34 51 68 85 170 340 TDN
The success of M-PESA An ease to use micro-payment tool
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JapanKenya
Developed country
Early adopters in new technologies
Many alternative payment solutions
NFC: Breakthrough technology
Expensive to deploy
Integrates many players around a service provider
Developing country
Limited access to new Technologies
Cash based financial transactions
Basic and accessible technology
Affordable to offer
Limited in terms of integration
Which Model to adopt?
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Increasing disposable income and expenditures
Young population comfortable with mobile technology
Diversified socio-economical groups
High mobile penetration rate and intermediate coverage by banks
• Fast and Flexible in integrating with partners of any type
• Affordable to the end user
• Created the best user experience for every group
• Make financial services accessible to everyone: consumer and merchants
• Make it more affordable for everyone, still making money for the banks
• Innovate in the types of services offered
Key success Factors Our solution
Which Model for Tunisia?
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Creova API available
Web Admin & Mgt
User Web admin
Financial service Mgt
Bank Funds
Partners Access Mgt
Financial Institutions
CREOVA MOBILE-PAY PLATFORM
Service authenticationSMSG / SMSC
The Ecosystem
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Mobile + Internet Shopping
Events and Entertainment
Transportation +
Banking Services: P2P, Loans, Accounts, etc.
Entertainment
©
The Potential of
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Team: 20 years software innovation in telecom & financial industries worldwide
10 years of expertise in Mobile Value-Added-Services
International: based in Paris, France, with offices: USA, Italy, and Tunisia
Innovation Awards:
Proven Solution with customers & partners: Mobile Operators Banks Payment Services Micro-Financing Institution
© Creova Confidential
Who is CREOVA?
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