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価格・ご注文について  Description
世界のモバイル金融サービス分野では、多くの企業が、商品やサービスの支払いにモバイルデバイスを幅広く利用しようとする動きが現実のものとなってきている。しかし、これを妨げる様々な要因もある。それは、消費者が従来の支払方法で満足していること、技術の未熟さ、エンドユーザの問題、ビジネスモデルの変化などである。
Activity in the mobile financial services space around the world has ramped up a notch as more companies seek to bring to reality the vision of widespread usage of mobile devices to pay for goods and services. For various reasons, however, implementing this vision has been held back in practice: consumers are comfortable with existing payment options; the technology is not yet optimal; the end-user experience is cumbersome; and business models are still largely in flux. Mobile payments are having a more penetrating impact in poorer economies than in mature ones, with market dynamics that are starkly different, especially in Africa. This is understandably due to a more constraining supply environment — one that is primarily cash-based, rife with antiquated regulations and burdened with a banking system that is geared to focus on the high end of the consumer market. The greater impact of mobile payments in emerging markets is also due to the more challenging demand picture of markets where most consumers have much lower incomes and lack bank accounts. It is in this context that new business models have emerged over the past few years that are transforming the financial landscape in developing countries. A new report by Pyramid Research, Mobile Financial Services in Africa: The Business Case for Operators and Banks, reviews and analyzes mobile financial services offerings in African markets, looks at drivers and obstacles to mobile financial services, breaks down business models to assess their true bottom-line impact, and provides market projections based on intrinsic market dynamics. |
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What combination of necessity on the demand side and opportunities on the supply side have created the unique success of mobile-based financial services in Africa?
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What are the practical challenges — from regulation and compliance to fulfillment, security and distribution — that complicate mobile payment implementation in Africa?
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What role does technology play in the success of various mobile payment approaches in Africa?
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What business model will drive mobile financial services growth in Africa over the next five years? Will it be driven by mobile operators, banks or third parties?
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Why do operators play such a central role in the more successful services, such as M-PESA? What are the strengths they bring to the table?
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What benefits do mobile financial services bring operators? Is there revenue to be made? How?
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How fast will mobile money transfer services expand? How many users will they have by 2013?
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Are the prospects for mobile-based international remittance services different, and if so, why?
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What business models will dominate mobile finance in the various markets of Africa? Will M-PESA clones lead the way?
Operators
Learn how different business models can be used to provide mobile financial services, in particular what the role is of the main players and the supporting ecosystem. Find out which factors — regulations, technology — make a service successful. Draw on conclusions based on the experience of successful African operators that have wide application in markets at various stages of development.
Banks
Determine how different markets require different approaches to mobile finance. See how your role varies between business models and how you can build on your strengths in each situation. This report offers the analysis you need in order to take advantage of the mobile opportunity, especially among previously unreachable income segments.
Investors
Identify the opportunities in mobile finance by examining case studies of successes in some of the most difficult markets in the world. This report provides a thorough grounding in the important issues facing one of the most exciting segments of the telecommunications industry, giving you the fundamental tools to develop long-range plans and winning strategies.
Mobile financial platform vendors and integrators
Discover where your greatest opportunities lie and how deep you involvement in the business of providing mobile financial services should be. Understand the challenges facing your customers and what role you can play in meeting those challenges. This report promises the analysis you need to take a larger share of operator spending with informed go-to-market strategies and creative solutions, particularly in a time of economic downturn worldwide.
Companies mentioned in this report:
| ABSA
Celpay
Celtel International
CGAP
Citibank
Clickatell
Danal
E-Fulusi Africa
eTranzact
First National Bank of South Africa
FirstRand
FlashMeCash
FNB
FNB Banking
Fundamo
Globacom
InterSwitch Nigeria
K-Rep Bank
Macalla
MasterCard
Mi-Pay | MoneyGram
MoneyTextMe
M-PESA
MTN
MTN Banking
Obopay
Safaricom
SK Telekom
Sokotele (Zain)
South African Bank of Athens
Standard Bank of South Africa
UBA
Visa
Vodacom
Vodafone
Western Union
wiWallet
Wizzit
Zain
Zantel
Z-PESA
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Table of Contents
Acronyms and abbreviations
Companies mentioned in this report
Executive summary
Section 1: African mobile payment landscape — definitions and context
1.1 Defining mobile payments
1.2 African context
1.3 Practical challenges
1.4 The technology: From WAP to USSD
Section 2: Ecosystems and business models
2.1 Overview
2.2 Hybrid, bank-driven models
2.3 MNO-driven models
2.4 Third-party models
Section 3: The African mobile payment business case for banks and MNOs
3.1 The mobile operator — pivotal
What the MNO brings to the table
What’s in it for the MNO?
3.2 The bank’s role: Fundamental, depending on regulatory requirements and the impetus to reach the unbanked
3.3 Other parts of the value chain
Section 4: Service roadmap and market forecasts
4.1 Service roadmap and challenges
Airtime payment services
The domestic money transfer model: Tight margins
International money transfers
Phase III services
4.2 Market projections
Methodology
Forecasts: 60m-plus mobile payment users by 2013
Section 5: Model and country case studies
5.1 M-PESA
What it is and how it works
M-PESA performance
Impact on Safaricom’s subscriber growth and churn
Impact on Safaricom’s ARPU
5.2 Country study: South Africa
Wizzit: What it is and how it works
Wizzit: Performance
MTN Mobile Banking
FNB Banking
5.3 Country study: Nigeria
5.4 Other platforms: From Celpay to Sokotele
Celpay
Sokotele
Related resources
Table of Exhibits
Exhibit 1: Overview of mobile financial services
Exhibit 2: Matrix of mobile payment models in Africa
Exhibit 3: Mobile penetration and bank account penetration in selected markets
Exhibit 4: Bank break-even costs of transactions by channel — Kenya
Exhibit 5: Technology deployment for sample service providers
Exhibit 6: Mobile payment ecosystem
Exhibit 7: Model matrix chart — service focus and customer ownership
Exhibit 8: Banking sophistication and mobile penetration
Exhibit 9: Sample mobile payment models in African markets
Exhibit 10: The roles of the MNO and the bank in MTN Mobile Banking
Exhibit 11: The roles of the MNO and the bank in M-PESA
Exhibit 12: The roles of banks, MNOs and third parties in the third-party model
Exhibit 13: Bank, ATM and MNO distribution footprints in Nigeria, Kenya and South Africa
Exhibit 14: M-PESA’s impact on Safaricom churn
Exhibit 15: Evolution of mobile payment service portfolio in the African context
Exhibit 16: Sample mobile payment services in African markets
Exhibit 17: Traditional domestic mobile money transfer value chain
Exhibit 18: Traditional international money transfer value chain
Exhibit 19: Africa money transfer and mobile banking active users*
Exhibit 20: Mobile money transfer and mobile banking transaction volumes in Africa
Exhibit 21: The M-PESA framework
Exhibit 22: Access to financial services in Kenya and M-PESA’s target market
Exhibit 23: Evolution of M-PESA registered users and transaction volumes
Exhibit 24: Overview of Wizzit platform
Exhibit 25: Wizzit banking charges
