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TRANSCRIPT
C
ba
Tech
Consu
ased
fo
hM’s
ultat
Mob
or Fin
s Res
tion P
bile B
nanc
Septem
spons
Pape
Bank
ial In
mber 201
se to
er on
king S
nclus
13
o TRA
USSD
Servi
ion
AI
D –
ices
TechM’s
Copyright
© Tech M
Confiden
All rights
No part o
or by any
Mahindra
The conte
referred
contract s
Response to
© 2013 Tech
Mahindra Lt
ntiality Claus
reserved.
f this docume
y means, ele
a Ltd. (here‐in
ents of this do
to as TRAI)i
should be aw
o TRAI CP
h Mahindra. A
d.
se
ent may be re
ectronic, mec
n‐after referre
ocument are
n commercia
arded to Tech
All rights rese
eproduced, st
chanical, reco
ed to as Tech
provided to T
al confidence
h Mahindra.
erved.
tored in a ret
ording, photo
hM) without t
Telecom Reg
e solely for
rieval system
ocopying or
the prior perm
ulatory Auth
the purpose
m or transmitt
otherwise ou
mission of Tec
ority of India
e of evaluati
2
ted in any for
utside of Tec
ch Mahindra.
a (here‐in‐afte
ing whether
m
ch
er
a
TechM’s
Copyright
Docum
Versi
1
For any qu
Name
Title
Mobile
Name
Title
Mobile
Response to
© 2013 Tech
ment Histo
ion
Final V
ueries, please
e
e
o TRAI CP
h Mahindra. A
ory
R
Version
e contact
You
Rohit Ka
Senior A
RK0011
+91 981
Suresh T
Assistan
+91 956
All rights rese
Revisions
ur Point of C
ataria
Account Man
12948@TechM
10004251
T Kumar
nt Vice Presid
60452377
erved.
Contact for t
ager/BDM‐In
Mahindra.com
dent – Asia
Rajesh Ku
this docume
ndia Sales
m
Autho
umar
nt
3
or
TechM’s
Copyright
1. EXE1.1 BACK
2. TEC2.1 RESP
3. MAH3.1 AWA
4. TEC5. ASS6. COM6.1 COM6.2 SERV6.3 LOCA6.4 SIZE O6.5 SIZE O6.6 LIST O6.7 GROW
7. SER8. APP8.1 ANNE
Figure 1 ‐ EFigure 2 ‐ FFigure 4 ‐ TFigure 5 ‐ TFigure 6 ‐ TFigure 7 ‐ TFigure 8 ‐ T
Response to
© 2013 Tech
ECUTIVE SUMKGROUND AND OB
CH MAHINDRAONSE TO QUESTIO
HINDRA COMARDS AND ACCOLACHM’S APPROSUMPTIONS/ DMPANY INFORPANY INFORMATI
ICES .................ATIONS – OFFSHO
OF COMPANY (EMOF COMPANY (CLOF KEY CLIENTS AWTH PLANS .......
RVICE SPECIFPENDIX ........EXURE 1 ............
End to end USSFunds TransferTech MahindraTech MahindraTech MahindraTech MahindraTech Mahindra
o TRAI CP
h Mahindra. A
MMARY .........BJECTIVES ..........A’S RESPONSONS ASKED IN THE
MVIVA CAPABADES IN THIS SPAC
OACH AND RDEPENDENCIRMATION ......ION .........................................RE AND ONSHOR
MPLOYEES) .........LIENTS) ..............AND SECTORS .............................FIC INFORMAT..........................................
SD Solution .....r Use Case .......a’s Industry Offa’s Service Offea’s Global Presea’s Global Fortua’s Strategic In
All rights rese
Table o
..........................................SE ................E CONSULTATION ILITIES .........CE ....................ECOMMENDAIES ...............................................................................E ................................................................................................................TION/ KEY D..........................................
List o
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.......................ferings ............erings .............ence ...............une 500 Key Cuitiatives ..........
erved.
of Contents
............................................................PAPER ............
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ATIONS ........................................................................................................................................................................................................IFFERENTIAT.........................................
of Figures
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. 5 10 15 16 17 18 20
Copyright
1. EXECU
Introduc
Tech Mahi
Consultatio
Tech Mahi
Mobile Com
1.1 Bac
TRAI woul
seek opinio
consultatio
• In Indi
the ba
bank a
on gro
who a
know
• This p
their e
safety
and ot
• The pa
entitie
In the follo
paper and
most cost e
t © 2013 Tech
UTIVE SUMMAR
tion
ndra (TechM)
on Paper USSD
indra’s Majorit
mmerce Platfo
ckgroundand
d like to unde
ons from expe
on paper.
ia, significantly
anking networ
account. As pe
ounds of equit
are presently e
that what is th
aper searches
expectations o
y of their mone
ther products a
aper also seeks
es would be co
owing sections
provides their
effective and r
h Mahindra. A
RY
would like to t
D‐based Mobile
ty Owned Com
orm with more
Objectives
erstand the ma
erts and indust
y large regions
k over the pas
er the Census 2
ty, it is essenti
excluded from
he feasibility of
for a mobile
of :‐ low transa
ey, the possibi
as and whenre
s to find out th
onnected to the
s Tech Mahind
r view on the b
reliable manne
All rights rese
www.tec
thank TRAI for
e Banking Serv
mpany, Mahind
than 50 + Dep
arket scenario
try bodies on e
and populatio
st four decade
2011, only 54.4
ial that financi
the formal fin
f using USSD te
banking soluti
action costs, q
lity of making
equired.
hat how would
e mobile banki
ra tries to prov
best possible s
er.
erved.
chmahindra
r providing us a
vices for Financ
dra Comviva is
ployments glob
’s globally on
enabling a Mo
ons are still unb
es, a sizeable p
4% of rural ho
ial services are
nancial system
elecommunica
ons which rea
quick and easy
frequent depo
d be the billing
ing platform.
vide answers/
solution for de
.com
an opportunity
cial Inclusion.
s a GSMA Cert
bally.
Mobile Bankin
bile Banking /
banked/ under
proportion of h
ouseholds had
e made availa
m. So with the
tion for doing
aches the poor
y operability, m
ositsand remitt
system in the
solutions to th
elivering bankin
y to submit ou
tified World’s
ng / Commerc
Financial Inclu
r‐banked. Desp
households (41
access to ban
ble at an affor
help of this p
banking transa
r section of ou
minimum pape
tances and hav
new USSD int
he various obje
ng services to
1
r response to
Largest Deplo
ce and would l
usion and hen
pite the expans
1.3%) do not h
king services.
rdable cost to
paper TRAI wa
actions.
ur society and
er work,securit
ving access to
terface and wh
ectives raised
the end users
TRAI’s
oyer of
like to
ce the
sion of
have a
Purely
those
ants to
meets
ty and
credit
hich all
in this
in the
Copyright
2. TECH
2.1 Res
Q1: Do yo
not, which
TechM’s R
any transa
for locatio
based) me
transaction
connectivit
The USSD g
been seen
menu is po
enquiry, C
easy to use
Following a
• U
• U
• U
• U
• U
• U
• U
t © 2013 Tech
MAHINDRA’S
sponse to Qu
u agree that U
h mode do you
Response:Unst
ctions (financi
ns where ther
ssaging service
ns. Considerin
ty it makes sen
gateway soluti
in Africa (Ken
opulated on th
ash Transactio
e for the subsc
are the key adv
nlike IVR, USSD
nlike SMS, USS
nlike WAP/JAV
SSD is a versat
nlike IVR/SMS
SSD is an inexp
SSD supports v
h Mahindra. A
RESPONSE
uestions aske
USSD is one of
u think is more
ructured Supp
al/non‐financi
re is no data c
e and does not
g the fact tha
nse to go for m
ion has been a
nya) that the m
he subscriber’s
ons, Funds tran
criber, convenie
vantages of go
D is bandwidth
SD is real time
VA/MMS, USSD
tile access med
, USSD provide
pensive applic
vernacular/reg
All rights rese
www.tec
d in the Cons
f the most app
e appropriate?
lementary Ser
al). USSD uses
onnectivity, th
t have any sto
at large unba
most reliable ch
a successful mo
most successfu
phone and he
nsfer etc but j
ent for the Ban
oing for USSD m
h thrifty, uses s
– not store an
D is totally han
dium, with dist
es enhanced in
ation enabler
gional language
erved.
chmahindra
sultation Pap
propriate mod
Please suppo
vice Data (USS
s signalling cha
hus having larg
orage on the m
nked subscrib
hannel i.e USSD
odel globally to
ul mobile bank
e can then perf
ust sending a
nks, TSPs and t
mode:
signalling chan
d forward
dset independ
tinct advantag
nteractive user
es
.com
per
es for mobile
rt your viewpo
SD) is one of th
nnels and ens
ger availability
mobile handset
er segment w
D
oo for deliveri
king solution M
form various b
SMS back for
traceable for th
nels – not voic
dent, available
es over WAP, J
r experience
banking for fi
oint with reaso
he most reliabl
ure the availab
.It is real‐time
making it safe
would be ther
ng financial se
MPesa is also o
banking transa
the selected o
he governmen
ce/data channe
on practically
JAVA and even
2
nancial inclusi
ons.
e channels for
bility of service
e or instant (se
er for doing fin
e with limited
ervices. For EX:
on USSD. In MP
ctions like – Ba
option. This m
t bodies.
els
every GSM ha
n SMS
ion? If
doing
e even
ession‐
nancial
d data
it has
Pesa a
alance
ode is
ndset
Copyright
Q2: Do yo
mandating
aggregatio
support yo
TechM’s R
and divers
to engage
providers
extend mo
As mention
we sugges
amended s
start using
Given the
improve Fi
the pipes t
wherein B
including i
globally an
Q3: Do you
subscriber
yourviewp
TechM’s R
directly fro
for mobile
The TSPs p
that they a
service or
the TSP. Fu
For Ex: Ban
free for the
t © 2013 Tech
ou agree that
g every TSP, ac
onplatform pro
our viewpoint
Response:With
e economic sp
more closely
have used va
obile banking se
ned in the abo
t that the Mo
so that USSD a
banking servic
fact that mor
inancial Inclusi
to Banks & age
Banks invest in
issues like lan
nd the same is
u agree that in
rs as they do i
point with reas
Response:USSD
om their hands
banking which
perform the cr
are compensat
by the subscri
urther it is up t
nk charges the
e subscriber.
h Mahindra. A
t the Mobile
cting as beare
oviders to use
with reasons.
the growing p
pectra, service
y with their e
rious telecom
ervices.
ove question ab
bile Banking R
as a channel ca
ces at secured
re than 800 M
ion and uptake
ents. In the cu
n Technology
guage uptake
not available f
n case of USSD
in the case of
sons.
D channel ena
set, leveraging
h banks are un
ritical function
ted adequately
bers who use
to the bank to
ir customers fo
All rights rese
www.tec
Banking (Qua
r, to facilitaten
e SMS, USSD a
pervasiveness o
providers out
nd consumers
munication ch
bout the benef
Regulations, 20
an be provided
and interactiv
Million of India
e of Mobile ba
urrent schema,
by offering IV
etc. SMS &
for Banks and a
D transactions f
f SMSbased an
ables custome
g TSP’s existing
able to build o
n of USSD mes
y for the work
the banking se
decide wheth
or SMS alerts a
erved.
chmahindra
ality of Servic
not only the b
and IVR to pro
of mobile tech
side the mobil
s – and also d
hannels, such
fits of using US
012 should be
d not only to t
ve access beare
’s population
anking in India,
, majority of b
VR to subscrib
USSD is the m
agents.
for mobile ban
nd Application
rs to access M
g infrastructure
on theirown.
sage delivery
k done by them
ervices. Ideally
her they want t
and transactio
.com
ce) Regulation
banks but also
ovide banking
hnology in the
le space have
deliver a rang
as WAP, IVR,
SSD over the o
amended. Mo
he banks but a
er.
own a Mobile
, Operators sh
anks are comp
bers but cann
most popular
nking, the TSPs
n (App) based
Mobile bankin
e. Telecom cha
in this value c
m, either by th
y Banks should
to charge their
ns and Mobile
ns, 2012shoul
the agents of
g services toits
lives of people
latched on to
ge of goods a
SMS and USS
ther telecomm
obile banking r
also to its agen
e Phone (subs
ould support i
pelled to use o
not scale due
method of ac
sshould collec
mobile banki
ng services by
annel is the sin
chain. Hence, i
he banks who
d be responsib
r customers fo
e App telecomm
3
ld be amende
f banks acting
s customers? P
e across geogra
mobile as a ch
nd services. S
SD, to promot
munication cha
regulation shou
nts, so that the
cribers), in ord
n offering / op
only Enterprise
to various re
ccessing inform
ct charges from
ing? Please su
y issuing comm
ngle asset nec
t has to be en
provide the ba
ble for compen
or this service o
munication is m
ed for
as the
Please
aphies
hannel
Service
te and
annels,
uld be
ey can
der to
pening
e Lines
easons
mation
m their
upport
mands
essary
nsured
anking
nsating
or not.
mostly
Copyright
The charge
model the
subscriber
Q4: Do you
for amoun
yourviewp
TechM’s R
Mobile ban
prepaid an
customer q
and it’s im
Q5: Would
viewpoint
TechM’s R
informatio
charge for
and each s
second, a t
call at 1.50
Q6: In cas
tariff for U
with assoc
TechM’s R
Q7: Is ther
as a beare
TechM’s R
there is no
functionali
support in
t © 2013 Tech
e to the TSP c
bank wants to
s premium rat
u agree that th
nts deducted
point with reas
Response: For
nking service n
nd post‐paid s
queries on bill
portant to ma
d it be appropr
with reasons.
Response:USSD
on requested. I
a monthly sub
session should
typical 3 minu
0 would be app
se your respon
USSD session f
ciatedassumpt
esponse: Not A
re any other re
r for mobile ba
Response: USS
o data connect
ity, USSD as a
all remote are
h Mahindra. A
could be on th
o provide. But
es for USSD an
he records for
from prepai
sons.
each USSD tr
node. All succe
subscriber resp
ing. Also we ca
intain its secur
riate to fix a ce
D Transaction
In case the sub
bscription fee.
be valid for 3
te call would b
propriate.
nse to Q5 is in
for mobile ban
tions, if any.
Applicable
elevant issue w
anking service
D uses signalli
ivity. Since the
functionality
eas of the natio
All rights rese
www.tec
e revenue sha
t at the end TR
nd TSP’s are co
r USSD transac
idsubscribers
ransaction the
essful transact
pectively. This
an not only rel
rity and redund
eiling of Rs. 1.
Rating/ Prici
bscriber opts f
Otherwise YES
minutes. As m
be charged @
n the negative
nking. Youmay
which should
es?
ing channels a
ere is large unb
is available on
on thereby ma
erved.
chmahindra
ared basis with
RAI should ensu
ompensated ad
ctions must be
and bills rais
e records shou
ions charging
s helps the TS
ly on TSP for th
dancy for reco
.50 per USSD s
ng is defined
for a specific a
S, an upper ce
most TSP’s offer
1.80 and henc
e, please sugg
y also support
be considered
nd ensure the
banked segmen
n all phones a
king it an idea
.com
h the bank, as
ure TSP‘s and B
dequately.
e generated by
sed to postpa
uld be maintai
and billing CD
SP’s to reconci
he audit trails
nciliation.
session formob
d by operator
lerts service o
iling could be
r Call Rates of
ce an upper ce
gest an alterna
t your viewpo
d in the presen
e availability of
nt who will be
nd because of
l access bearer
s per the subsc
Banks are man
ythe TSPs to p
aid subscribe
ined both in t
R’s should be
ile with banks
as these are fi
bile banking?
based on th
n account upd
fixed for Mobi
60 Paise per m
eiling for USSD
ativemethodo
oint with a full
ntconsultation
f service even
using low cost
f technology (
r.
4
cribers or any
ndated not to c
rovide an aud
rs? Please su
the USSD nod
maintained fo
s and even so
inancial transa
Please suppor
he criticality o
dates TSP’s can
ile Banking Ses
minute or 1 pai
D, similar to tha
ology to fix a c
ly developed m
on the use of
for locations w
t phone with li
(Signalling), it
other
charge
it trail
upport
de and
r both
lve all
actions
rt your
of the
n even
ssion’s
se per
at of a
ceiling
model
f USSD
where
imited
would
Copyright
3. MAHI
In the pas
financial se
customers
represents
In any netw
of Service
executed
complicate
service pro
As a result
mobile fina
The Secure
extends th
channel. It
destination
By offload
revenue ge
t © 2013 Tech
NDRACOMVIV
st several year
ervices to the
who would ot
s an opportunit
work, a burst i
(QoS) for the
from some r
ed challenges
oviders and the
t, the most eff
ancial service i
e Messaging U
he capacity in
t helps to coun
n without any
ding A2P traffi
enerating mess
h Mahindra. A
VA CAPABILITIE
rs, both banks
unbanked. Fo
therwise be ou
ty to differenti
n Messaging t
delivery of cr
emote locatio
that need to
e banks IT depa
ficient way of
s to shape traf
USSD Platform
the operator
nter any abrup
delay. This en
ic, the platfor
sages – whilst
All rights rese
www.tec
ES
s and mobile
r banks, mobil
ut of the reach
iate themselve
raffic is genera
ritical message
on and transm
be addressed
artments.
managing criti
ffic while ensu
m is a secure
r’s current ne
pt spike in me
nables significa
rm helps to fr
ensuring these
Figure 1 ‐ En
erved.
chmahindra
network opera
e money for t
h of costly bra
es from their ri
ally unforeseen
es. At the sam
mission of fin
d jointly by m
ical messages,
ring security o
messaging sol
etwork by opt
essaging traffic
ant traffic offlo
ree Messaging
e messages are
d to end USSD S
.com
ators have mo
he unbanked
nch infrastruct
vals.
n and sporadic
me time securi
nancial inform
obile applicat
such as those
f messages is a
lution that su
imally routing
c trends and ye
oads from the
g resource to
e handled secu
Solution
oved aggressiv
is a way to ser
ture; for opera
c in nature. Thi
ity of financial
ation over th
ion developer
e associated w
also maintaine
pports USSD b
g critical mess
et deliver criti
operator’s exi
handle larger
urely.
5
vely to offer m
rve a vast swa
ators, mobile m
is affects the Q
l transactions,
he air, is the
rs, wireless ne
with the deliver
d.
based messag
sages over a s
cal messages
isting Infrastru
r volumes of
mobile
the of
money
Quality
being
most
etwork
ry of a
ging. It
secure
to the
ucture.
higher
Copyright
In USSD sin
• In
ca
• O
Hence a th
transmissio
Mahindra
financial tr
1. U
2. En
3. Se
4. En
One‐time p
Instead of
perform tr
secondary
scheduled
Mahindra
includes s
Detail Reco
Platform, a
is supporte
operator, a
HSM is use
is achieved
ensure tha
t © 2013 Tech
nce it is a sessi
nability of a use
ard
ver the air and
hird party wou
on sizes) to de
Comviva USSD
ransaction ove
ser ID / Passwo
ncryption of th
ecure Commun
ncryption of th
password (OTP
relying on trad
ransactions us
phone via SM
life‐cycle has e
Comviva USSD
ubscriber Data
ords (CDRs) w
are encrypted
ed to hide sen
as well as for r
ed for Securing
d by creating
at critical consu
h Mahindra. A
on based SS7 m
er to get authe
d network encr
uld be required
termine the PI
D covers all t
r wireless netw
ord authentica
he data being t
nication betwe
he data that wi
P) is the latest t
ditional memo
ing USSD chan
MS or register
expired.
D supports bo
a and Passwo
which contain m
and provide t
nsitive consum
egulators and
g the Encryptio
S tunnel betw
umer data is sa
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message; it has
enticated on th
ryption of any
d to decode th
N or hack into
he aspects re
work:
ation of bank’s
ransmitted ov
een various nod
ill be stored in
tool used by fi
orized passwor
nnel. When th
red Email id. T
th Application
ord encryption
message conte
he consumer w
mer data. The
law enforceme
on Key outside
ween the USS
afe and secure.
erved.
chmahindra
s inherent ben
he USSD beare
message string
he air interface
o the mobile ne
quired to be
customer.
er the air.
des.
device for late
nancial and ba
rds, OTPs are r
he request is r
The password
n level and Ne
n, User authen
ent details and
with security,
platform also
ent agencies.
the Mobile ba
D gateway an
.
.com
nefits as compa
er channel with
gs
e encryption (n
etworks core sy
addressed to
er / off‐line ana
anking service p
requested by c
received the p
is expired on
etwork Level s
ntication and
d which are ge
even from sys
supports ded
anking applicat
nd Banking app
ared to other b
hout the posse
not plausible w
ystems.
offer a secur
alysis by the cu
providers in th
consumers eac
password is se
nce it has bee
ecurity. Applic
critical inform
enerated by th
tem administr
dicated encryp
ion service. Ne
plication. Thes
6
bearers.
ession of a val
with such sma
re infrastructu
ustomer.
he fight against
ch time they w
nt to the regis
en used or on
cation level Se
mation masking
e Secure Mes
rators. Data m
ption logging fo
etwork level se
se secure inte
id SIM
ll data
ure for
t fraud.
want to
stered
nce its
ecurity
g. Call
saging
asking
or the
ecurity
erfaces
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Mobile In
The MS ca
response (
following c
• M
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• Ph
• Se
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nitiated USS
an initiate USS
(“Service Not S
cases:
Mobile station a
pplication serv
ime Out
hase compatib
ervice not conf
ervice not func
MSISDN is not r
uccessful closu
the successful
MS sends a requ
MS sends a re
esponse to the
MS sends a req
ends a respons
MS sends a requ
eceived by the
h Mahindra. A
SD Request
D sessions for
Supported”) fo
aborts a reque
ver clears a ses
bility issues
figured
ctional
eceived in the
ure of session b
closure scena
uest and gets a
quest, MS ge
Application Se
quest, MS gets
se to the Applic
uest, a couple
MS, AS sends
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r all configured
or non‐configu
st
ssion due to loa
request
by either MS o
rios:
a final response
ets a network‐
erver and then
a network‐ini
cation Server a
of network‐ini
the final respo
erved.
chmahindra
d services. The
red services. T
ad issues
r Application
e from the App
‐initiated requ
n gets the final
itiated notifica
and then gets t
itiated request
onse.
.com
e USSD Gatew
The USSD Gate
plication Serve
uest from the
response from
ation from the
the final respo
ts/notifications
ay responds w
eway closes a
er (AS).
Application S
m the AS.
e Application S
nse from the A
s are sent by th
7
with a preconfi
USSD session
Server, MS se
Server, MS inte
AS.
he AS and resp
igured
in the
ends a
ernally
ponses
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Applicati
A network
operation
The USSD G
• Su
• M
• U
ha
• A
• Ph
• IM
Below are
• AS
• AS
re
• AS
Session M
The USSD
This sessio
• Su
• A
• A
• A
• Ti
• Ti
• Ti
The USSD
runtime. T
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ion Initiated
k‐initiated sess
as a USSR/USS
Gateway close
uccessful closu
MS rejects the s
SSD Gateway
appen when th
network entit
hase compatib
MSI of the subs
the successful
S sends a requ
S sends a req
esponse from M
S sends one or
Maintenanc
Gateway main
on could be ter
uccessful sessio
n abort or canc
n abort or canc
n abort or canc
imeout at the H
imeout at the a
imeout at the G
session timeo
he default valu
h Mahindra. A
d USSD Requ
sion starts whe
SN request.
es a network‐in
ure of the sessi
session if it is b
rejects the ses
he same servic
y clears the tra
bility issues
scriber cannot
closure scena
est to MS, get
uest, AS gets
MS. AS clears t
r more networ
e and Timeo
ntains a USSD s
minated in the
on completion
cel by the end
cel by the HLR
cel by the USS
HLR
application
Gateway
out at the HLR
ue is 3 minutes
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uest
en the Applica
nitiated session
on
busy in other U
ssion if it detec
ce sends a requ
ansaction beca
be retrieved b
rios:
s a response a
a response fr
the session.
k‐initiated req
outs
session betwee
e following cas
n
user
D application
is 3 minutes.
s.
erved.
chmahindra
ation Server se
n in the followi
SSD sessions
cts that the MS
uest to the sam
ause of timer e
because the SR
nd closes the s
om MS, AS se
uests, AS gets
en the end use
es:
The USSD ses
.com
ends an SMPP
ng cases:
S is already in
me MS twice be
expiry.
IFSM trigger to
session
ends another
responses from
er (mobile sub
ssion timeout
SUBMIT‐SM r
an existing US
efore closing th
o HLR failed
request to MS
m MS and AS c
scriber) and th
at the Gatewa
8
request with s
SSD session. Th
he first one.
S and then ge
clears the sessi
he USSD applic
ay is configura
service
his will
ets the
ion.
cation.
able at
Copyright
Tech Mahi
is depicted
Advantage
Fa
A
Pr
O
Av
t © 2013 Tech
indra’s majorit
d in the follow
es:
aster and Secu
ccelerates the
rovides a dedic
Offload operato
vailable on all
h Mahindra. A
ty owned com
wing image.
ure channel for
e uptake and u
cated bandwid
or’s existing in
handsets in th
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mpany, Mahind
r high priority m
sage of mobile
dth for priority
frastructure fr
e Market
erved.
chmahindra
dra Comviva ha
messages
e transactions
y services to th
rom ever grow
.com
as significant e
he end user
wing A2P messa
expertise on U
ages
9
SSD globally, wwhich
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A typical F
t © 2013 Tech
Funds Transfer
h Mahindra. A
r Use case in an
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n USSD interfa
Figure 2 ‐ Fu
erved.
chmahindra
ace is as below
unds Transfer Us
.com
w:‐
se Case
10
Copyright
3.1 Aw
Award rec
similar to
t © 2013 Tech
wards and Acc
ceived at the
what TRAI pr
h Mahindra. A
colades in thi
Global Mobi
roposes for co
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s space
ile Awards, 2
ommon man’
erved.
chmahindra
013 for Mobi
’s convenienc
.com
ile Ticketing o
ce.
on USSD in B
11
angladesh whhich is
Copyright
4. TECHM
TechM rec
unbanked
platform o
banking ec
This SI the
providers)
Below is th
will be inte
On the sam
features an
‐ B
‐ In
‐ V
‐ A
t © 2013 Tech
M’S APPROAC
commends tha
and under‐ba
of mobile bank
cosystem is to
en integrates
and provides t
he Architectur
erfacing with m
me lines Tech
nd provides mo
anking servic
nter/Interban
alue added S
adhar Authen
h Mahindra. A
H AND RECOM
at USSD is the
nked regions.
king, once the
set the busine
with the bank
the services to
re for USSD int
mCommerce Ap
Mahindra has
obile banking s
es
k fund transf
ervices
ntication
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MMENDATIONS
best possible
USSD interfac
TSP shares the
ess rules and f
k, TSP and any
o the subscribe
terface toward
pplication nod
built this uniq
services to the
fer
erved.
chmahindra
S
telecommunic
ce can be very
e USSD APIs. T
ind an approp
y other third
rs.
d Mobile bank
e either centra
que and innova
e subscribers. T
.com
cation mode to
y easily be inte
Typically the ro
riate technolo
party (Aadhar
king services. A
ally located or
ative USSD gat
The platform s
o provide fina
egrated in mos
ole of a Bank o
ogy vendor/ Sy
r, Merchants,
All Banks and
hosted in the T
teway solution
support the fol
12
ncial services
st of the techn
or a TSP in a m
stem Integrato
Retailers, Insu
Government b
TSP’s datacent
n which has all
lowing feature
to the
nology
mobile
or (SI).
urance
bodies
tre.
these
es
Copyright
5. ASSUM
• U
• Fo
ca
t © 2013 Tech
MPTIONS/ DEP
SSD Interface
or a single cent
an hosted cent
h Mahindra. A
PENDENCIES
node and Mob
tralized solutio
trally for TSP’s.
All rights rese
www.tec
bile Banking ap
on USSD interf
.
erved.
chmahindra
pplication will b
face node will b
.com
be placed in a L
be available at
LAN or WAN
t each TSP and
13
banking application
Copyright
6. COMP
6.1 Com
Tech Mah
business tr
The Mahin
drive econ
vacation o
informatio
In 2012, M
companies
the ‘Emerg
Tech Mah
Operations
Security c
Manageme
Remote In
offerings f
wireless an
Tech Mahi
customer e
programs o
In the Tele
developme
maximize
into high le
analysts, fo
Tech Mahi
delivery ce
& ISO 2230
t © 2013 Tech
PANY INFORMA
mpany Inform
indra is part o
ransformation
ndra Group em
nomic growth,
wnership. Tec
on technology s
Mahindra feat
s in the world.
ging Markets’ c
hindra’s capab
s Support Syst
consulting and
ent, Network
nfrastructure M
or TSPs, TEMs
nd broadband
ndra has succe
engagements
of incumbent t
ecom sector, T
ent, innovative
returns on IT i
evels of custom
orums and clie
indra has a glo
entres. Assesse
01 certified.
h Mahindra. A
ATION
mation
of the USD 16
consulting org
mploys more th
enjoying a le
h Mahindra ex
services compa
ured on the F
In 2013, the M
category
bilities spread
ems (OSS), Ne
d Testing. Th
Services, Solu
Management a
and ISVs, Tec
operators in E
essfully implem
mostly in the
telecom opera
Tech Mahindra
e delivery mo
investment by
mer satisfactio
ents – winning
obal footprint
ed at SEI CMM
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6.2 billion Mah
ganization, focu
han 155,000 pe
eadership posi
xpanded its IT
any, Mahindra
Forbes Global
Mahindra Grou
across a br
etwork Design
he solutions p
ution Integrat
nd BSG (comp
h Mahindra is
urope, Asia‐Pa
mented more t
Telecom secto
tors.
a has niche an
odels and app
y achieving fast
on. Tech Mahin
several prestig
through opera
Mi Level 5, its d
erved.
chmahindra
hindra Group
used primarily
eople in over 1
ition in tracto
portfolio in 20
Satyam (earlie
2000 list, a l
up received the
road spectrum
& Engineering
portfolio inclu
tion, Product
prises BPO, Se
a chosen tran
acific and North
than 18 Greenf
or. The compa
nd proven dom
roach to off‐s
ter time to ma
ndra’s achievem
gious awards a
ations in more
evelopment ce
.com
and is a leadi
on the telecom
100 countries a
rs, utility vehi
009 by acquirin
er known as Sa
isting of the b
e Financial Tim
m, including B
g, Next Genera
udes Consulti
Engineering,
rvices and Con
nsformation pa
h America.
field Operation
ny has been in
main expertise,
shoring. Comp
arket, reduced
ments have be
nd accolades.
e than 31 coun
entres are ISO
ing global syst
mmunications
and operates in
icles, informat
ng the leading
atyam Comput
biggest and m
mes ‘Boldness in
Business Supp
tion Networks
ng, Applicatio
Infrastructure
nsulting). With
artner for seve
ns globally and
nvolved in abo
, distinctive IT
pany’s solution
d total cost of
een recognized
ntries with 17
9001:2008, IS
14
tems integrato
industry.
n key industrie
tion technolog
global busines
ter Services).
most powerful
n Business’ Aw
port Systems
s, Mobility Solu
on Developme
Managed Se
h an array of s
eral leading wi
d has over 151
out 9 transform
T skills, researc
ns enable clie
ownership res
d by various ind
sales offices a
SO 20000, ISO
or and
es that
gy and
ss and
listed
ward in
(BSS),
utions,
ent &
rvices,
service
reline,
active
mation
ch and
nts to
sulting
dustry
and 15
27000
Copyright
6.2 Ser
Tech Mahi
Warehous
Services, E
IT Services
etc. It has
Sciences, R
by implem
Business In
Business P
Engineerin
Tech Mah
Technology
technology
across the
t © 2013 Tech
rvices
ndra renders s
ing (BI&DW),
Engineering So
s, Quality Cons
successfully d
Retail & CPG, E
menting innov
ntelligence ser
Process Outsou
ng and Enterpri
hindra has or
y/horizontal s
y/best practice
globe. The fig
h Mahindra. A
services across
Business Pro
lutions, Enterp
sulting, GIS Tec
delivered serv
Energy & Utilit
ative software
rvices, Quality
urcing / Re‐en
ise solutions.
ganised its se
streams. Such
e groups, who
gure below dep
Fig
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s Application D
cess Outsourc
prise Storage S
chnology, High
ices to 540+ c
ies, Insurance,
e solutions ac
y Consulting, S
gineering, Con
ervices across
a ‘Web of
ose help can b
picts Tech Mah
gure 3 ‐ Tech M
erved.
chmahindra
Development a
cing (BPO), Co
Solutions, ERP,
h‐Tech Solutio
customers in B
, Telecom indu
cross technolo
trategic Outso
nsulting, Progr
s the industry
Participation’
be leveraged w
hindra’s offerin
ahindra’s Indus
.com
and Maintenan
onsulting and
Infrastructure
ns, Silicon Des
Banking & Fin
ustry verticals e
ogy platforms
ourcing, imple
ram / Project
y domain foc
has helped T
while working
ngs across indu
try Offerings
nce, Business In
Enterprise So
e Management
sign Services, S
ancial Services
etc., served th
s like Web Co
mented indust
/ Portfolio Ma
cus verticals c
Tech Mahindr
on engageme
ustry verticals a
15
ntelligence and
olutions, Emb
t Services, Ma
Six Sigma Cons
s, Healthcare
em across the
ommerce Solu
try native solu
anagement se
combined wit
ra to establis
ents with cust
and horizontals
d Data
edded
naged
sulting
& Life
globe
utions,
utions,
rvices,
th the
sh the
omers
s.
Copyright
Leveraging
Mahindra
ADMS Serv
ADMS has
added valu
ADMS serv
shown the
Consulting
Tech Mahi
customers
t © 2013 Tech
g deep industry
enables custom
vices
been & contin
ue to numerou
vices of Tech
chart below. F
g
ndra turns visi
achieve strate
h Mahindra. A
Fi
y and function
mers achieve t
nues to be one
us customers i
Mahindra hav
For further det
ion into action
egic and operat
All rights rese
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igure 4 ‐ Tech M
nal expertise, le
heir business g
e of the core st
n a wide range
ve met its cus
tails on the Tec
, creating and
tional excellen
erved.
chmahindra
Mahindra’s Servi
eading techno
goals and trans
trengths of Te
e of domains w
tomer tactical
ch Mahindra’s
sustaining sta
nce, using our i
.com
ce Offerings
logy practices
sformation obj
ch Mahindra.
which also inc
l & strategic r
ADMS service
keholder value
n‐depth indus
and a global d
jectives.
Tech Mahindra
ludes the pub
requirement a
s refer to Appe
e. We deliver i
try knowledge
16
delivery model
a over the yea
lishing domain
snap shot wh
endix
nsights and he
e and expertise
l, Tech
ars has
n. The
hich is
elp our
e.
Copyright
IT Services
Tech Mahi
virtual ent
change and
Outsourcin
Tech Mahi
free up re
provide pr
its lifecycle
The Tech M
committed
6.3 Loc
We opera
The pictu
Below ma
t © 2013 Tech
s
ndra helps com
terprises, grow
d implement s
ng
ndra offers a w
esources, enha
remium engine
e.
Mahindra BPO
d professionals
cations – Offs
ate across the
re illustrates T
ap shows Tech
h Mahindra. A
mpanies levera
w competencie
olutions acros
wide range of
ance productiv
eering and pro
O provides acce
s.
shore and On
globe in 75 loc
Tech Mahindra’
Mahindra offi
F
All rights rese
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age IT to realis
es, and forge
s multiple plat
outsourcing se
vity, and impr
duct developm
ess to unmatch
nshore
cations in 46 c
’s global prese
ces across the
Figure 5 ‐ Tech M
erved.
chmahindra
se their busine
closer ties w
forms.
ervices that en
rove profitabil
ment solutions
hed infrastruct
countries servi
ence.
globe:
Mahindra’s Glob
.com
ess strategies,
with their cust
nable compani
lity. Our Integ
to support a g
ture, world‐cla
cing various cu
bal Presence
explore new o
omers. We he
es to focus on
grated Enginee
given engineer
ass resources,
ustomers acro
17
opportunities, c
elp clients arc
core compete
ering Solutions
red product th
and highly tale
ss industry ver
create
chitect
encies,
s (IES)
hrough
ented,
rticals.
Copyright
6.4 Size
Tech M
~As of
6.5 Size
Tech M
~As of
6.6 List
We ha
t © 2013 Tech
e of Company
Mahindra curre
f 31st March, 2
e of Company
Mahindra curre
f 31st March, 2
t of Key Clien
ave furnished a
h Mahindra. A
y (employees
ently has 8400
2013
y (clients)
ently has 540 c
2013
nts and Secto
a list of key cus
Figure 6 ‐ T
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s)
00~ employees
clients.
rs
stomers and N
Tech Mahindra’
erved.
chmahindra
.
umber of Top
s Global Fortun
.com
Global Fortune
e 500 Key Custo
e 500 Custome
omers
18
ers.
Copyright
6.7 Gro
To achieve
partner to
acquisition
Tech Mahi
solutions, a
Domain so
place. Tech
on key ver
emerging
Engineerin
Mahindra
sectors.
We believe
traditional
initiatives –
further dee
In order to
world class
• Fo
• Cr
• Cl
• In
• Cr
• W
A consider
associate t
skill sets ar
Tech Mahi
continue to
to create n
t © 2013 Tech
owth Plans
e our goals, we
o our custome
n strategy.
ndra has a 3‐p
and a sharper
olutions that h
h Mahindra int
rticals – Media
verticals such
ng Services por
group compa
e that growth
focus on cost
– Cloud comp
epen our techn
o meet the ab
s segments
ocused investm
ross–sell/Up‐se
lose coordinat
nstilling confide
ross pollinate m
World leading c
rable portion
trainings, allian
re aligned to th
indra intends
o provide the i
new offerings t
h Mahindra. A
e would embar
ers. Our busin
pronged growth
regional focus
help address t
tends to inves
a & Entertainm
h as Retail &
rtfolio and cou
nies, we expe
in the core m
reduction. In a
uting, SaaS, Op
nology compet
bove objectives
ment will conti
ell for existing
ion with group
ence in all stak
managerial & t
onsulting firm
of our revenu
nces with prod
he services Tec
to invest in d
industry exper
that are indust
All rights rese
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rk on significan
ness strategy
h strategy – fu
.
he customers’
t in deepening
ment, Manufac
CPG, Travel &
pled with abili
ect to drive fa
market can be
addition to our
pen Source, M
tencies in area
s, we are cont
nue in compet
service lines
p companies fo
keholders
technical skills
to advise on s
ue comes fro
duct vendors a
ch Mahindra ha
eepening our
rtise to tailor o
ry specific.
erved.
chmahindra
nt growth for t
involves aggr
rther strength
’ business issu
g its domain so
cturing, BFSI,
& Logistics th
ity to source a
ast track grow
achieved by i
r focus on vert
Mobility and Gr
s such as BI/An
tinuously work
tencies
or infra/procur
ales strategy
m our service
and focus on C
as to offer.
skill sets with
our offerings fo
.com
he organisatio
ressive organi
ening the com
ues are a clea
olutions portfo
Healthcare &
rough select
nd manufactu
wth in Public s
ntroducing ne
ical solutions,
reen. We woul
nalytics and En
king to align w
ement
e offerings in
Centre of Exce
h an industry v
or the industrie
on by becoming
c growth cou
mpetency portfo
r differentiato
olio. We would
Life Sciences w
offerings. Give
re component
sector and Ae
ew services an
our CTO office
d also be inve
nterprise Appli
world class com
these two ar
ellence (CoEs)
vertical focus.
es we serve. W
19
g preferred str
upled with str
olio, deepen v
or in today’s m
d maintain our
while advancin
en out expert
ts through our
erospace & De
d going beyon
e drives five str
sting significan
cations.
mpetencies to
eas. Investme
ensure that o
Tech Mahind
We will also con
rategic
rategic
ertical
market
r focus
ng our
tise in
larger
efence
nd the
rategic
ntly to
focus
ents in
ur key
ra will
ntinue
Copyright
New skill s
As these o
mobility, w
application
SaaS offeri
Tech Mahi
convention
strategic in
t © 2013 Tech
ets will be dev
offerings matu
we have done
ns for eligibility
ings and cloud
indra realises
nal differentiat
nitiatives to gro
h Mahindra. A
veloped based
ure they will
work in healt
y, provider dire
offerings in he
that to be suc
tor of cost arb
ow our Service
Fig
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on the strateg
be modified f
thcare to begi
ectories, claim
ealthcare.
ccessful in tod
bitrage. Tech M
e Offerings.
gure 7 ‐ Tech Ma
erved.
chmahindra
gic initiatives as
for industry s
in creating iPh
s status, etc. I
day’s highly co
Mahindra is, t
ahindra’s Strate
.com
s illustrated in
pecific solutio
hone, Droid, a
n addition, Tec
ompetitive sce
therefore, mak
gic Initiatives
the fig ‘Strateg
ons. For exam
nd other mob
ch Mahindra is
nario, it has t
king heavy inv
20
gic Initiatives’.
mple, in the a
bile device acc
s considering s
o move beyon
vestments in v
rea of
ess to
everal
nd the
various
Copyright
7. SERVIC
Key Differe
We believe
Infrastruct
Tech Mah
SERVICE TR
SERVICE O
OPERATIO
TRANSFOR
t © 2013 Tech
CE SPECIFIC IN
entiators
e, our key diffe
ture and Servic
hindra Solution
Area
RANSITION
OPERATION &
ON
RMATION
h Mahindra. A
FORMATION/
erentiators / IP
ce operation Tr
n
Service Tr
Transition
operation
ITIL & PM
implemen
Team Opt
across pro
TechM Se
mapped t
Operation
Unified Se
integratio
Operation
Automatio
IT Operati
Service Au
to acceler
centric
S‐D‐S Shar
capability
policies an
IMS Acade
Productio
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KEY DIFFEREN
Ps will enable u
ransformation
ransition Tool k
n modeller, Info
modeller, and
MI Framework –
ntation follow‐
timization ‐ Tea
ojects enables
rvice Operatio
o roles, tools,
n process map
ervice Operatio
on and automat
n ERP, over a p
on methodolog
ion processes,
utomation Fact
rate the Transf
red service mo
to provide sup
nd processes u
emy & Simulat
n support prac
erved.
chmahindra
NTIATORS
us to provide co
Key D
kits – Transitio
ormation gath
d Gap assessme
– rigorous revie
up aligned wit
am skills and o
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