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この調査レポートは  アフリカのモバイル金融サービス市場を調査しています。モバイル事業者のビジネスモデルと市場予測を行っています。

Description

Mobile financial services are becoming increasingly important throughout the developing world. In many such regions, including Africa, the availability of formal financial services is limited to certain geographic and income ranges, often leaving the majority of the population to rely on unreliable and costly informal channels. This gap in access to financial services provides an opportunity for mobile network operators because they have a number of assets allowing them to address the problem, including network and distribution coverage, a strong brand, high penetration and the means to drive profits from high-volume, low-value transactions.

The success of M-Pesa in Kenya has demonstrated that mobile financial services can benefit mobile operators and can also provide benefits to the ecosystem, including banks, the distribution network, merchants and companies. Moreover, because there are important social and economic benefits to mobile financial services, governments and international institutions are encouraging their development. At the same time there are important issues and challenges that need to be addressed.

Mobile Financial Services in Africa: MNO Business Models and Market Forecast provides in-depth, up-to-the-moment analysis of mobile financial services in Africa, focusing on the offerings from major market players such as Safaricom and Vodafone.

Key findings include

• Mobile money services in Africa are becoming a key service for operators. Indeed the case for providing mobile money services has become compelling, particularly for operators with leading subscription shares.
• Although the success of Safaricom’s M-Pesa service is impressive by most standards, there are a number of local market factors that might make it difficult to replicate. While every effort has been taken to verify the accuracy of this information, Pyramid Research cannot accept any responsibility or liability for reliance by any person on this information. These factors must be considered when assessing the viability of a mobile money service in other countries.
• Increasing numbers of operators are launching mobile money services. Pan-regional operators have started rolling out services across their footprint. Meanwhile, some small, local operators have also launched services, particularly in those markets where leading operators have already brought to market their services.

Key Questions Answered

• What is the current state of mobile payments in Africa?
• What are the key drivers for mobile payment solutions in Africa?
• What are the various mobile payment approaches in Africa?

Target audience

Mobile Operators:
This report will help you think through ways to capture a greater share of mobile payments revenue by understanding customer needs and learning lessons from less-than-successful mobile payment rollouts by other operators.

Investors:
Discover the state of the market for mobile payments in Africa and which national and regional solutions are poised for healthy growth in the coming years.

Companies mentioned in this report:

Ayala Group Banco de Oro Bank of Africa Bank of the Philippine Islands (BPI) Bharti Airtel Bill & Melinda Gates Foundation

BNP Paribas Central Bank of Kenya Central Bank of Nigeria CGAP Essar Facebook

Mobile Financial Services in Africa is part of Pyramid’s research report series. A blend of primary research and qualitative analysis, Pyramid’s research reports offer comprehensive coverage of the fixed and mobile communications space and enable those in the communications industry to stay ahead of changing market dynamics.

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TABLE OF CONTENTS

Table of exhibits
Companies mentioned
Acronyms and abbreviations
Executive summary

Section 1: Market overview and background

1.1 Definitions and overview
1.2 The African context
1.3 Examining regulatory aspects of mobile money services
1.4 Technical overview

Section 2: MNO business model analysis

2.1 Overview
2.2 The impact of regulations on the business model

• MNO as a bearer

• MNO as an agent only

• Bank issues e-money

• MNO with an e-money license

• MNO as a bank

• Prudential regulations dictate telco-bank partnership

• KYC regulations affect agent and user adoption

2.3 Business model analysis: Safaricom’s M-Pesa

• M-Pesa shows that financial services can drive new top and bottom line numbers

• Financial services drive customer acquisition and loyalty

• Mobile payment services enable savings in airtime commissions

2.4 Replicating M-Pesa’s success

• Assessing demand for money transfer services

• Opex savings with mobile money

2.5 Business models not focused on money transfers

• Zain Group’s Zap

• Other business models from outside Africa

• Third-party business models

2.6 Operator positioning and mobile money services

Section 3: Market forecasts

3.1 Methodology
3.2 Total regional forecast
3.3 Country-level comparisons

Section 4: Case studies

4.1 M-Pesa

• Key success factors

• Service development

4.2 Zain’s Zap
4.3 MTN’s Mobile Money
4.4 Orange’s Orange Money

Related resources

Table of exhibits

Exhibit 1.1: Overview of mobile financial services
Exhibit 1.2: Select country overage and operator launches, in US$, 2010
Exhibit 1.3: Bank account and mobile population penetration in select markets, 2009
Exhibit 1.4: Mobile payment technology comparison
Exhibit 2.1: Key MNO mobile money business model elements
Exhibit 2.2: Mobile operator mobile money business models
Exhibit 2.3: Know-your-customer regulations
Exhibit 2.4: Proportionate KYC regulations in South Africa
Exhibit 2.5: M-Pesa transaction value breakdown by type, full year 2010 (year to March 2010)
Exhibit 2.6: Safaricom revenue breakdown, full year to March, 2007-2010
Exhibit 2.7: M-Pesa revenue and cost development, 2007-2010