Market Research Logo

Worldwide Mobile Money Modernisation & Monetisation 2017-2022

Worldwide Mobile Money Modernisation & Monetisation 2017-2022

KEY QUESTION ANSWERED

Q1. MNO Resolve — Resolution to threats imposed by Banks—FinTechs—TechGiants on MNO Businesses? What are some Conventional, partly-Modern, and fully-Modern Gateways available to Operators for effective Monetisation —via Modernisation? Who so far have best handled this threat?

Q2. ‘Sandbox Model’ Not Yielding! How can Operators stay Relevant & Innovative amid “Sandbox Model Crackdown”? What Options do Operators have apart from the Sandbox Model (& Partnerships)? How can the Supply of Innovation be continued with far-shorter turnarounds opposite to Traditional Models? Outmanoeuvring & Validating Results of (your) Incubation Labs? Know when A ‘Sandbox Model’ will not Yield? Alternatives to Sandboxes.

Q3. FinTechs — Making a Dream Debut? How can New FinTechs gain sufficient exposure in the absence of any strong backing or brand behind them? How to Choose & Partner: Learning the Morals & Perils of Partnerships?

Q4. Banks, their Vulnerabilities — Best of the ‘Bank & Company’ Initiatives, Worldwide? Gaps in their Achievements? How can Payment Banks exploit “those" Gaps; Pound upon their leverage; and woo their customers?

Q5. World Economies Vs. China — What China hints at? How can Governments proliferate Investments w.r.t. Mobile Money Adoption, the way Chinese are doing? Decoding next Modern Frontiers China looks to dominate?

Q6. Leverage High-Tech “Sister” [Payment/ Commerce] Technologies? Establish as an Early Mover and make “most” of the Opportunity? Recalibrate your Infra —to front-ends for broader Business Scope & Prospect? Unlock Access to Adjacent Markets via enabling single/ multi window (pan-global) channels of innovation, best consumer experience, & (ofcourse) revenues? Learn how “Living Beings” will trade in 2022!

Q7. What is so difficult about ‘Monetising' Mobile Money —Or How easy it can be?

Q8. Breakthroughing the Chasm States — Stuck? Not Getting Enough Momentum? Looking for a Pump-up. . . a quick Makeover? Preparing to Revolutionise your Market Presence, Relevance?

Q9. Vendor Planning & Selection — Plan Portfolios? Learn to Deal with the most desirable Vendors of the most desired Modern Technologies? Get Capital/ Operational Cost Estimates? Get Recommendations?

Q10. MarketShare Bolstering, Investment Catalyses, & In-Direct Growth — Set-up Business Plans for the most Bullish [Future Promising] Mobile Payment, Commerce, & Retail Business Opportunities —for Indirect Growth? Navigate Niches & Adjacent Markets for Additional Influence & Revenues?

Q11. World Compliance Comprehension — Comply 100%? Inculcate “New Enablements” seamlessly while learning from others’ mistakes? Use Modern Techniques toward effectively meeting Standards and save on huge Indirect Costs (fines for not meeting compliance, fx)?

Q12. Options Available To Small Players — What are the Options available to Small Players [Tier-2/3; N.Operators/ Banks/ FinTechs]? How selective or adaptive can they be in the wake of this large fish monopoly business? What's the size of the pie —the market opportunity & interesting areas available to them for access? Any supporting cases?

Q13. Modern Mobile Money Devices — Roles devices are playing or can play? Who're making most of the 'mobile money revolution’ via devices? What are those devices?

Q14. Future of Wallets — Theories of Integration, Implementation, and Systemic Security Advancements? Comparison of the impact of Mobile Device-Centric, Bank-Centric and Merchant-Centric Wallet Models on Consumer Adoption? Security considerations and fraud risks for myriad of Wallet solutions? A Research panel discussion on whats going on, How circumstances seem to evolve ahead; Take of the Academia; with Recommendations (direct) from the Key Stakeholders involved?

Q15. MFS Modernisation — MFS-Basic to MFS-Modern Transition: Business Model Transformation, Implementation, & Promotion? Agent Network Dynamics, Incentivisation, & Optimisation: Tapping Agent Networks and Proximity more effectively?

Q16. HyperGrowth & Modern-MFS Innovation in Payments, Lending, & Insurance— Adapting Modern Ideas, Principles, and Frameworks around Regtech, Vertical-tech (proptech, lawtech, etc.), and Social Inclusion? Roadmaps beyond Payment Bank Licence? Using Parallel/ Perpendicular/ Skew Innovation Models for HyperGrowth?

Q 17. Short Term, Medium Term and Long Term Strategies that will help Operators ensure 20%-45% of their total Revenue via Mobile Money Businesses?

KEY FINDINGS

1. Modern Mobile Money Portfolio to MNOs will be more strategic. For next 5 years, the revenues are going to stay directly proportional to the level of modernity present or missing in offerings. Problem with modernisation, however, is that you can't modernise overnight. Operators (— in fact any player) who’ll act consistent to this cause will have much stronger presence felt among masses than incumbents.

2. If played well, modernisation can contribute near 85% to the total share of mobile money revenues. In general, mobile money can contribute (to total telco revenues) by upto 45% within next 5-7 years.

3. Opportunities are huge and limitless, and operators can grab these opportunities easily till the time only banks, MNOs, and FinTechs are in the game. Techs giants are eying this opportunity at a mass level and the findings of our survey in this regard are really alarming for MNOs. We conducted a survey of more than 42,000 people across 27 countries — to check people’s expectations from Payment, Commerce, Banking and other Financial systems. Overwhelmingly, more than 43% respondents would think moving to tech giants such as Facebook, Google, Amazon, and Apple if they were to offer such services.

4. Diamond Bank (Nigeria) was able to grow its customer base by 50 percent (6 million) in two years, not by opening additional branches but through its modern payment, commerce, and banking solutions.

5. Products of The Future — A 'Stopwatch Type — Always On Interface' for users looking to get in just one touch all they “saved, spent, have available for spend, etc.”

6. Products of The Future — Customers in a supermarket will be able to scan a QR code and know that very item’s full history from source to shelf.

7. Customer’s willingness is the primary deterrent to modern payments adoption. Surveys suggest, “the issue is less the mobile wallet itself and more that people remain loyal to traditional payments showing little enthusiasm for picking up new habits.”

8. Attracting Millennials from the Backdoor: Reward points for past purchase/ bills can provide throttle to millennial adoption.

9. The Global P2P Payments Market is projected to generate transaction value worth US$250 billion by 2022 increasing from US$60+ billion in 2016. The transaction value of P2P payments is projected to grow at a CAGR of 42% during 2017-2022.

10. Future Commerce — The screen size is a big deterrent to mass scale adoptions. For, many for obvious reasons immediately spun off as soon as it comes to making payments using mobile interfaces. To solve that, Schulman said, PayPal used risk algorithms to create One Touch, a feature that makes it easier to pay on your phone or online without having to constantly punch in your log-in information. Schulman said the feature has improved the conversion rate to 87 percent -- "two times the nearest competitor.”

11. Future Retail — Reverse engineering retail for the post-channel world. The technology needs to get out of the way when the customer wants to buy. Part of the response could be tokenisation, originally conceived for customer privacy protection but with a spin-off benefit of acting like a nonintrusive customer ‘cookie’ within the sales process. Tokenisation lets customers roam from <point of sale -to- m-commerce; to e-commerce and back again> often in the same purchase.


1.0 Executive Summary
E1. Rationale
E2. Modern Mobile Money Outlook
E3. Why Modernise?
E4.Operators Versus Rest: Plying Consumer Delicacies, Servicing Gaps, Vulnerabilities, & More.
E5. Parametric Evaluation Of Modernity From A Mobile Money Business.
E6. There’s A Proof.
E7. Protentions 2030: A Sneak Into Future Possibilities, Market Inclinations And Forecasts W/ Cautionary.
2.0 Market Leadership & Opportunity Analysis W/ Recommendations Across Mobile Payments, Banking, Commerce, & Retail 2017 To 2030.
2.1. Journey Hitherto: Period Y2012 To Y2016.
2.1a. Analysis #1 Banks Accept Threat Posed By Mobile Operators.
2.1b. Payment Market Spread Y2012 To Y2016.
2.1c. Retail & Commerce Market Spread Y2012 To Y2016.
2.2. Mobile Payment Service Distribution (4q 2016).
2.2a. Government 2 Person (G2p)
2.2b. Informal Payroll
2.2c. Microfinance & Credit
2.2d. Cross-border Remittance
2.2e. Savings & Deposits
2.2f. Utilities & Billing
2.2g.Peer 2 Peer (P2p)
2.2h.Public Transport Payments
2.3. Way Forward 2021
2.3a.Analysis #2 Modern Roadmap For ‘unknown’ Opportunities.
2.3b.Operators Versus Banks Possible Scenarios
2.3b.1.Infusion Of Retail, Payments, & Commerce -1—bank Concept
2.3b.2. So. . . Is Banking Going To Be Just Namesake?
2.3c. Way Forward 2021 > North America
2.3c.1. Usa & Canada — Part 1 - Retail & Commerce Beyond 2016
2.4. Using “stringent Reputations” To Your Advantage.
2.4a. Country Case > Singapore
2.4a.1. 45% Singapore Small Businesses Don’t Have Access To Bank Loan.
2.5. Way Forward 2021 > Europe
2.6. Way Forward 2021 > Africa & Middle East
2.7. Way Forward 2021 > Latin America
2.8. Modern Cases For Inspiration & Strategy.
2.8a. Case #1 Branch - A “mobile Micro - Financing” Start - Up.
2.8b. Case #2 T-mobile
2.8b.1. Why It Failed? - Analysis # 2
2.8c. Case #3 > Airtel
Airtel's ‘fbn Padi4life’
2.8d. Case #4: Tigo Kiiray
2.5. Way Forward 2021 For Banks
2.5a. Possible Seamless “transition” Strategies
2.5b. Solution #1
From State Of < Turbulence 2 Profusion >
2.5c. Solution #2
Compatibility Issue Of < Systems & It Overhaul >
2.5d. Solution #3
Basel Iii Law & Domestic Legal Framework Issue
3.0 Goal-oriented, Multi-roadmap Modern Business Frameworks, Niche Navigation, And Executions. 2017 & Beyond.
3.1. Introducing “goal-oriented, Multi-roadmap” Modern Frameworks.
3.1a. Parallel Model
Short To Mid Term Framework .
3.1a.1. A.K.A. The “challenger” Model
3.1b. Perpendicular Model
Mid To Long Term Framework .
3.1c. Skew Model
Purely ‘goal Aligned’ Framework .
3.1c.1. A.K.A. “multi Roadmap” Model.
3.2. Enabling A Modern Portfolio
Figure 3 1: Modern Mobile Money Roadmap For Mnos
3.3. The Niche Science
Guest Expert Contribution # 1
Figure 3-2: Worldwide Modern Niche Complex
Pilot P1. Niche-as-a-gateway (N-a-a-g)
Pilot P2. “poorly”, A Billion Dollar Business Model2
Available For Purchase — An Exclusive Teleresearch Labs’ Patent.
Pilot P3. (Mm)3 Modern Insurance Business Model
3.4. North America.
3.4a. 300 Words On North America Market (4q 2016).
Guest Expert Contribution # 2
3.5. Why Modernise?
Survey 3-1: The Cult Of ‘made In America’.
Survey 3 2: Those ‘organic Offerings’ Are Good For Nothing!
3.6. Security Threat
The No. Of Ransomware Attacks Quintupled To 5000 Attacks Per Day.
3.7. Analysis #3
Security Solutions Available In North America
3.8. Us Payment Market Litmus Test.
How Reliable/ Realistic Solutions Adopted By The Big - 3 Are?
3.9. Us “retail/ Commerce” Market Litmus Test.
How Top Contenders Are Maneuvering The Security Threat?
3.10. Analysis #4.
Over 80% Banks Are Relying On Solutions Offered By One Company!
3.11. Modern Payments & Commerce In Retail
In - Use Set Ups, Processes, & Methodologies.
3.11a.1. Preparation & Execution (2016 & Beyond).
3.11a.2. Traditional Commerce.
Online/ Mobile Commerce.
3.11a.3. Offline Commerce
Offline Wallets, Micro Atms, Alt “in Store”/ “open Air” Buying, Etc.
3.11a.4. Contextual Commerce
Non - Disruptive, Virtual @ Source (Instant Buying), & More.
3.11a.5. Key Inuse Setups.
W. Exclusive Process & Methodology Details.
3.12. Modern “prepaid” Commerce
3.13. Analysis #5
Payments - On - The - Move.
3.14. Modern Payment Innovation
3.14a.1. “on-visit” Payments
3.14a.2. Pay-in-part Model
A . K . A . Emi Model
3.14a.3. Modern “post-pay” Model
3.14a.4. Modern Subscriptions
Members Only Payments, Rewards, Etc.
3.14a.5. “escrow-tach” Retail
3.14a.6. Virtual Payments
3.14a.7. Cryptocurrencies
3.14a.8. Modern Automated Payments
3.14a.9. Enterprise Payments
Small/ Mid/ Large Enterprise Payments
3.14a.10.Bundled Payments
Employee Salary, Etc.
3.14a.10a.“thin Bundle” Payments
High Margin Payments [Resellership, Royalty, Ipr Payments, Etc.).
3.14a.10b.“thick Bundle” Payments
Low Margin/ Bulk Payments.
3.14a.11. Business 2 Business Payments
Inward/ Outward, 3rd Party Payments .
3.14a.12. Cross-border Payments
Inter-regional/ Forex, Travel Payments, Etc.
3.14a.13. Instant Payouts
Instant/ Real-time Payments.
3.14a.14. Business 2 Customer Payments
B2c Refunds, Referral Payments, Etc.
3.14a.15. Tweaked Payments
Device Compatible, Interoperable, Hybrid/ Multi - Platform Tweaking.
3.14a.16. Offline (+) Online
A.K.A. Jugad 4 Payments.
3.15. Ultra Modern Payments
3.15a.1.Ai (Artificial Intelligence) Payments
3.15a.2.Vr (Virtual Reality) Payments
3.15a.3.Robotic Payments
3.16. Asia Pacific
3.16a. Analysis #7
B2b Logistics & Start - Ups
3.16b. Performance Review: Banks & Fin Techs.
3.16c. Case Study #5
Soneri Bank, Pakistan
3.16d. Case Study #6
Xero & Paypal, New Zealand
3.16e. Case Study #7
Federal Bank, Kerala, India.
Table 3 1: Fedmobile Key Features
3.16f. Case Study #8
Nab Bank & Visa, Australia.
3.16g. Analysis #8
Blockchain Polynomy Beyond 2016
3.17. Africa & Middle East
3.17a. Africa Market Statistics
Table 3 2: Africa Fin-tech Directory.
3.17b. Middle East Statistics
3.18. 300 Words On African Market Setup
Guest Expert Contribution # 5.
3.18a. Case Study #9
Sid Instant
3.18b. Case Study #10
Geopay
3.18c. Case Study #11
Sureswipe
3.18d. Case Study #12
Sureremit
3.18e. Case Study #13
Peers Exchange
3.18f. Case Study #14
Simbapay
3.18g. Case Study #15
Mvisa
3.18h. African Banks & Fintechs
3.18h.1. Case Study #16
Equity Bank: Kenya, Rwanda, And Tanzania.
Table 3 3: Mobile Money Transfer Services In Kenya, December 2016
3.18h.2. Case Study #17
First National Bank As “mvno ”, South Africa.
Table 3 4: Fnb Connect Pricing At Launch
3.18h.3. Case Study #18
Wells Fargo, Africa
3.18i. Humanising Digital Technology
3.18i.1. Case Study #19
Virtual Banking, Uae
3.19. 300 Words On Latin American (Mm) Market
Guest Expert Contribution # 6.
3.20. 300 Words On European (Mm) Market
Guest Expert Contribution # 7.
3.20b. Case Study #20
O 2, Uk/ Germany
3.20c. Case Study #21
Bacb, Uk
3.20d. Case Study #22
Lloyds Bank, Uk
3.20e. Case Study #23
Unilend, France.
3.21. 300 Words On Asia Pacific “modern (Mm) Market”.
Guest Expert Contribution # 8.
3.22. Cluster Analysis
Visualising 2021 [W/ Recommendations]
3.22a. Channelisation-a-tool
3.23. Analysis #9
Micropayments Service & (Its) Future
3.24. Analysis #10
Cryptocurrencies.
3.25. Vertical Business Use Cases
3.25a. Tele & It
3.25b. Public Transport
3.25c. Retail
3.25d. Education
3.25e. Energy & Utility
3.25f. Media And Entertainment
3.25g.Hospitality And Tourism
3.25h.Events
3.25i. Scm And Logistics
3.26. More Vertical Cases
3.26a. Case Study #24 - Sk Planet’s Syrup
3.26b. Case Study #25 - M-akiba Treasury Bonds
3.26c. Case Study #26 - Italy Mobile Money Market
3.27. Analysis #11 - Mobile Money ‘offline Vs. Online”.
4.O Hypergrowth 2.0.5: Modern—mobile Finance (M—mfs), Advanced Business Conglomeration, & Niche Navigation For Enhanced Market Share & Revenues. 2017 & Beyond.
4.1 Hell Bent For Leather?
Hypergrowth May Better Suit You.
4.2. Contenders
Mobile Operators | Banks | Fintechs & Others
4.3. Analysis #12
What Can Conglomerations Bring To The Table?
4.4. Hypergrowth Models — Α
Business Model Innovation — Α
4.4a. Hypergrowth Model #1
@payments > India > Asia Pacific.
4.4a.1. Objective
Direct Carrier Billing.
4.4a.2. Niche Anchors
<Na: Modern “cardless” Payment; Cross - Platform Licensing>
4.4a.3. Business Model Transformation
Skew Model
4.4a.4. Analysis #13
Conglomeration/ Result Analysis.
4.4b. Hypergrowth Model #2
@lending & Investments > Canada > North America.
4.4b.1. Objective
Fast Cloud (Loan) Processing.
4.4b.2. Niche Anchors
<Na: Lending; Interest On Savings/ Deposits>.
4.4b.3. Business Model Transformation
Skew + Perpendicular Model.
4.4b.4. Analysis #20
Conglomeration / Result Analysis.
4.4c. Hypergrowth Model #3
@payments> Estonia > Europe
4.4c.1. Objective
Direct Carrier Billing.
4.4c.2. Niche Anchors
< Na: In - App Payments; Post - Paid Payments>
4.4c.4. Business Model Transformation
Skew + Perpendicular Model.
4.4c.4. Analysis #21
Conglomeration / Result Analysis.
4.4d. Selling—off To Millennials
Guest Expert Contribution # 9
4.4e. Hypergrowth Model #4
@payments > Indonesia > Asia Pacific
4.4e.1. Objective
Rapid Adoption Of Pos In Indonesia
4.4e.2. Niche Anchors
<Na: Multi - Platform Pos Payments>
4.4e.3. Business Model Transformation
Skew + Perpendicular Model.
4.4e.4. Analysis #22
Conglomeration / Result Analysis.
4.4f. Hypergrowth Model #5
@payments > Czech Republic> Europe.
4.4f.1. Objective
Diversifying & Monetising M - Pos In Czech Republic.
4.4f.2. Niche Anchors
<Na: M - Pos Payments>
4.4f.3. Business Model Transformation
Skew + Perpendicular Model.
4.4f.4. Analysis #23
Conglomeration / Result Analysis.
4.4g. Future Of M-pesa In South Africa
Guest Expert Contribution # 10 [W / Recommendations].
4.4h. Hypergrowth Model #6
@ Lending & Investments > Uk >Europe.
4.4i.1. Objective
Additional Revenue Via Increased End Use
4.4i.2. Niche Anchors
< Na: Personal Finance Manager > .
4.4i.3. Business Model Transformation
Skew + Perpendicular Model.
4.4i.4. Analysis #26
Conglomeration / Result Analysis.
4.4j. Hypergrowth Model #7
@lending & Investments > Germany > Europe.
4.4j.1. Objective
Manoeuvring Excess Regulation & Compliance.
4.4j.2. Business Model Transformation
Skew + Perpendicular Model.
4.4j.3. Niche Anchors
< Na: 1 - Click Loan; Fast Consumer On-boarding & Adoption >
4.4j.4. Analysis #27
Conglomeration / Result Analysis.
4.5. Hypergrowth Models — Β
Business Model Innovation — Β
4.5a. Hypergrowth Model #8
@payments @lending & Investments > Netherlands > Europe.
4.5a.1. Objective
Fraud/ Risk Control & Enhanced Customer Servicing .
4.5a.2. Business Model Transformation
Perpendicular Model @work
4.5a.3. Niche Anchors
<Na: Product Innovation; Customer On-boarding & Adoption>
4.5a.4. Analysis #27
Conglomeration / Result Analysis.
4.5b. Hypergrowth Model #9
@payments @lending & Investments > Kuwait & Egypt > Middle East.
4.5b.1. Objective
Fast Payments & Consumer On-boarding, & Support.
4.5b.2. Business Model Transformation
Parallel & Perpendicular Models
4.5b.3. Niche Anchors
<Na: Back End Overhaul; Fast Consumer On-boarding>
4.5b.4. Analysis #28
Conglomeration / Result Analysis.
4.5c. Hypergrowth Model #10
@oman > Middle East.
4.5c.1. Objective
Digital Bank Transformation.
4.5c.2. Business Model Transformation
Parallel & Perpendicular Models
4.5c.3. Niche Anchors
<Na: Digitisation, Transformation, & Compliance>
4.5c.4. Analysis #29
Conglomeration / Result Analysis.
4.5d. Hypergrowth Model #11
@card Payments > Bangladesh > Asia Pacific.
4.5d.1. Objective
Becoming A Pioneer In Digital/ Card Payments.
4.5d.2. Business Model Transformation
Parallel & Perpendicular Models
4.5d.3. Niche Anchors
<Na: Digitisation | Transformation>
4.5d.4. Analysis #30
Conglomeration / Result Analysis.
4.5e. Hypergrowth Model #12
@payments > Uk > Europe.
4.5e.1. Objective
Cross Border & Social Payments W/ Zero Leakage.
4.5e.2. Business Model Transformation
Perpendicular Model
4.5e.3. Niche Anchors
<Na: Instant Cross Border Payments @zero Fees >
4.5e.4. Analysis #31
Conglomeration / Result Analysis.
4.5f. Hypergrowth Model #13
@payments Thailand > Asia Pacific.
4.5f.1. Objective
Demonetisation & Digital / Cash-less Upgrade For Country.
4.5f.2. Business Model Transformation
Perpendicular Model
4.5f.3. Niche Anchors
<Na: Digital Readyness For Cashless Market | Demonetisation>
4.5f.4. Analysis #32
Conglomeration / Result Analysis.
4.5g. Hypergrowth Model #14
@payments > Australia > Asia Pacific.
4.5g.1. Objective
Innovation, Customer Service, & New Product Opportunities
4.5g.2. Business Model Transformation
Skew Model
4.5g.3. Niche Anchors
<Na: Cloud Bidding; Interest Comparison; Aggregated Lending>
4.5g.4. Analysis #33
Conglomeration / Result Analysis.
Pilot #4. Hypergrowth Model #15
Blockchain Commercialisation
Pilot #4a. Objective
Blockchain Monetisation In A Marketplace .
Pilot #4b. Case: Korean Exchange Bank
South Korea > Asia Pacific.
Pilot #4c. Niches Anchors
<Na: Document/ Identity Authentication; Equity/ Share Trading> .
Pilot #4d. Analysis #34
Pilot Result Analysis.
4.5h. Hypergrowth Model #16
@payments > Nigeria > Africa
4.5h.1. Objective
A Cheaper, Real Time, & Everywhere Ready ‘p2p—pos’ Solution.
4.5h.2. Business Model Transformation
Perpendicular Model
4.5h.3. Niche Anchors
<Na: Fast P2p / Pos Payments>
4.5h.4. Analysis #35
Conglomeration / Result Analysis.
4.5i. Hypergrowth Model #17
@lending & Investments > Uk > Europe
4.5i.1. Objective
Core Banking Transformation Via Cloud
4.5i.2. Business Model Transformation
Parallel Model
4.5i.3. Niche Anchors
<Na: Lending, Savings, & Deposits>
4.5i.4. Analysis #36
Conglomeration / Result Analysis.
4.5j. Hypergrowth Model #18
@payments > India > Asia Pacific
4.5j.1. Objective
Retail & Merchant Banking Transformation
4.5j.2. Business Model Transformation
Parallel + Perpendicular Model
4.5j.3. Niche Anchors
<Na: Tokenisation + Hce; Contactless; Virtual Card Payments>
4.5j.4. Analysis #37
Conglomeration / Result Analysis.
4.5k. Hypergrowth Model #19
@payments > Romania > Europe
4.5k.1. Objective
Sepa Compliance + Fast Payment/ “digital Id” Authentication
4.5k.2. Business Model Transformation
Perpendicular + Skew Model
4.5k.3. Niche Anchors
<Na: Fast “digital Id” Authentication; Compliance>
4.5k.4. Analysis #38
Conglomeration / Result Analysis.
4.6 Hypergrowth Models (Sec. Ɣ)
Business Model Innovation — Ɣ
4.6a. Hypergrowth Model #20
@payments > Uk > Europe
4.6a.1. Objective
Fast & Convenient “realty” Payments
4.6a.3. Niche Anchors
<Na: Realty: Fast Search & Payments; Automation>
4.6b. Hypergrowth Model #21
@payments > Us > North America
4.6b.1. Objective
Easy Messaging / Messenger Payments
4.6b.2. Niche Anchors
<Na: Fund Transfer/ Top - Up Via I-message>
4.6c. Hypergrowth Model #22
@payments > Usa > North America.
4.6c.1. Objective
Ride Comparison + Shopping On The Move
4.6c.2. Business Model Transformation
Perpendicular
4.6c.3. Niche Anchors
<Na: Payments On The Move; Data Protection; Automated Billing>
4.6d. Hypergrowth Model #23
@payments > Spain > Europe
4.6d.1. Objective
Enabling Small Merchants Accept “card-less Payments”
4.6d.2. Business Model Transformation
Perpendicular
4.6d.3. Niche Anchors
<Na: Micro Merchant/ High Volume/ Platform Independent Payments>
4.6e. Hypergrowth Model #24
@payments > Uk > Europe
4.6e.1. Objective
Fast On Boarding, Cross - Border Compliance, & Real Time Fraud Control.
4.6e.2. Business Model Transformation
Perpendicular
4.6e.3. Niche Anchors
<Na: Cross Border Payments; Aml + Kyc Compliance; Relentless On Boarding>
4.6f. What's Common Between Asos — A Fashion Slate; Expedia — A Travel Agency; Cathay Pacific — An International Airline; Freelancer — A Job Site; And Digital World International?
4.6g. Hypergrowth Model #25
@payments > Argentina > Latin America.
4.6g.1. Objective
Greater Market- Share Via Portfolio Diversification & Revenues.
4.6g.2. Business Model Transformation
Parallel, Perpendicular
4.6g.3. Niche Anchors
<Na: Cross Border Ecom; Payment Modernisation>
4.6g.4. Analysis #41
Conglomeration / Result Analysis.
4.6h. Case Study #29
Trustly In Year 2017 & Beyond
4.6i. Hypergrowth Model #26
@payments > Argentina > Latin America.
4.6i.1. Objective
Catching & Stopping Fraud At The Earliest.
4.6i.2. Business Model Transformation
Parallel, Perpendicular
4.6i.3. Niche Anchors
<Na: Instant Chargebacks / Refund; Fraud Control; Modern Payments>
4.6i. Analysis #42
Coexistence Of Mobile Wallets & Credit Cards
4.6j. M—mfs Insurance
A Short Walk To ‘modern Execution & Monetisation’
4.6k. Hypergrowth Model #27
@insurance > Uk > Europe
4.6k.1. Objective
Subscription Based + Low Cost/ Risk, Cloud Collateral Management.
4.6k.2. Business Model Transformation
Parallel, Perpendicular
4.6k.3. Niche Anchors
<Na: Fast/ Interactive / Automated — Cloud Collateral Management & Compliance>
4.6k.4. Analysis #43
Hybrid Solution For “complex Compliance & Collateral Margin Requirements”.
4.7. International Remittance Initiatives For Migrants
Table 4-1: International Remittance Initiatives For Migrants
4.8. Gen-x Entry Of Fintech Players As “mmos” (2017 & Beyond)
Guest Expert Contribution #13
4.9. Mno—lead (Mm) Credit Cards
4.9a. Case Study
Rogers Bank Credit Card.
4.9b. Case Study
Indosat Mobile Money Atm Card
4.10. Modern Mobile Money Curiosities
2017 & Beyond
4.10a. Proposed Evolutionary Modern (Mm) Businesses
Graph 4. Mobile Money Demand Curve
4.10b. Transition Strategies (2017 & Beyond)
From Basic To Advanced (Mm) Offerings.
4.10c. Applying ‘mvp’ To Push Mobile Money Services
4.10d. The T-mobile Way Of M-payment Adoption?
4.11. (New) Customer Onboarding
4.12. Driving Customer Loyalty Via Early Adoption, & Retention Tactics.
5.0. Live Projects: “selected” Modern Mobile Money Profiles To Suit Your Market Positioning & Investments.
5.1 North America
5.1a. Acorns
5.1b. Affirm
5.1c. Allied Payment Network
5.1d. Apple Pay
5.1e. Billguard
5.1f. Billmatrix
5.1g. Ceretel's Prepaid Card Program
5.1h. Clearxchange
5.1i. Credit Karma
5.1j. Credit Sesame
5.1k. Doxo
5.1l. Dwolla
Figure 5-1: Dwolla Fisync System For Faster Payment
5.1m. Ezuza
5.1n. Google Wallet
5.1o. Moneystream
5.1p. Moven
5.1q. Movil Cash
5.1r. Paynearme
5.1s. Paypal
5.1t. Payso
5.1u. Payzapp
5.1v. Popmoney
5.1w. Prism
5.1x. Regalii
5.1y. Rentmoola
5.1z. Ripple
5.1.Aa. Sofi
5.1.Ab. Square Cash
5.1.Ac. Venmo
5.1.Ad. Wirex
5.2 Asia Pacific
5.2a. Alipay
5.2b. Billpay
5.2c. Citrus
5.2d. Direcpay
5.2e. Freecharge
5.2f. Hello Paisa
5.2g. Instamojo
Figure 5-2: Instamojo Payment Process
5.2h. Mobiquity Money
Figure 5-3: Mobiquity Architecture
5.2i. Moneyview
5.2j. M-paisa Roshan Afghanistan
5.2k. Oxigen Wallet
5.2l. Paytm
5.2m. Payzippy
5.2n. Ruplee
5.2o. Mobomoney
5.2p. Tenpay
Figure 5-4: Development Of Tenpay Overtime
5.2q. Upaisa
5.2r. Wolaidai
5.2s. Mpay
5.2t. Ola Money
5.3 Africa
5.3a. Bitpesa
5.3b. Bk-money
5.3c. Irembo
5.3d. Mobicash
5.4 Europe
5.4a. Astropay
5.4b. Atom Bank
5.4c. Azimo
5.4d. Icushy
5.4e. Monese
5.4f. Moneyswap
5.4g. Mopay
5.4h. Movilway
5.4i. Mpeso
5.4j. Osper
5.4k. Paypoint
5.4l. Payu
5.4m. Sign2pay
5.4n. Transferwise
5.4o. Weeleo
5.4p. Yoyo Wallet
5.5 Middle East
5.5a. Zain Wallet
5.5b. Zain Cash
5.5c. Asiahawala
5.5d. Sabb Mobile
5.5e. Superwallet
5.5f. Ooredoo Mobile Money (Omm)
5.6 Latin America
5.6a. Allpago
5.6b. Billetera Movil (Bancolombia)
5.6c. Banwire
5.6d. Braspag
5.6e. Conec Mobile Wallet
5.6f. Conekta
5.6g. Daviplata
5.6h. Haitipay
5.6i. Maxipago!
5.6j. Mercadopago
5.6k. Miplata
5.6l. Mobile Money Guyana
5.6m. Pagseguro
5.6n. Tu Dinero Movil
6.0 Global Mobile Money Demand Estimates: Opportunity Analysis, & Forecasts. 2017 & Beyond.
6.1 Mobile Money Market 2016-2020
Figure 6-1: Global Mobile Money Users (In Million), 2016 – 2020
Figure6-2: Mobile Money Users By Region (In Million), 2014 – 2020
Figure6-3: North America Mobile Money Users (In Million), 2016 – 2020
Figure6-4: Latin America Mobile Money Users (In Million), 2016 – 2020
Figure 6-5: Europe Mobile Money Users (In Million), 2016 – 2020
Figure6-6: Asia Pacific Mobile Money Users (In Million), 2016 – 2020
Figure6-7: Africa Mobile Money Users (In Million), 2016 – 2020
Figure 6-8: Middle East Mobile Money Users (In Million), 2016 – 2020
6.2 Mobile Banking Market 2016-2020
Figure6-9: Global Mobile Banking Users (In Million), 2016 – 2020
Figure6-10: Mobile Banking Users By Region (In Million), 2016 – 2020
Figure6-11: North America Mobile Banking Users (In Million), 2016 – 2020
Figure6-12: Latin America Mobile Banking Users (In Million), 2016 – 2020
Figure6-13: Europe Mobile Banking Users (In Million), 2016 – 2020
Figure6-14: Asia Pacific Mobile Banking Users (In Million), 2016 – 2020
Figure6-15: Africa Mobile Banking Users (In Million), 2016 – 2020
Figure6-16: Middle East Mobile Banking Users (In Million), 2016 – 2020
6.3 M-payment Market 2016-2020
6.3a. M-payment Users
Figure6-17: Global M-payment Users (In Million), 2016 – 2020
Figure6-18: M-payment Users By Region (In Million), 2016 – 2020
Figure6-19: North America M-payment Users (In Million), 2016 – 2020
Figure6-20: Latin America M-payment Users (In Million), 2016 – 2020
Figure6-21: Europe M-payment Users (In Million), 2016 – 2020
Figure6-22: Asia Pacific M-payment Users (In Million), 2016 – 2020
Figure6-23: Africa M-payment Users (In Million), 2016 – 2020
Figure6-24: Middle East M-payment Users (In Million), 2016 – 2020
6.3b. M-payment Revenue
Figure6-25: Global M-payment Revenue (In Us$ Billion), 2016 – 2020
Figure6-26: M-payment Revenue By Region (In Us$ Billion), 2016 – 2020
Figure6-27: North America M-payment Revenue (In Us$ Billion), 2016 – 2020
Figure6-28: Latin America M-payment Revenue (In Us$ Billion), 2016 – 2020
Figure6-29: Europe M-payment Revenue (In Us$ Billion), 2016 – 2020
Figure6-30: Asia Pacific M-payment Revenue (In Us$ Billion), 2016 – 2020
Figure6-31: Africa M-payment Revenue (In Us$ Billion), 2016 – 2020
Figure6-32: Middle East M-payment Revenue (In Us$ Billion), 2016 – 2020
6.3c. Nfc Mobile Payment Market 2016-2020
Figure6-33: Global Nfc M-payment Market (In Us$ Billion), 2016 – 2020
6.3d. Nfc-enabled Cellphones Shipment
Figure6-34: Global Nfc-enabled Cellphone Shipment (In Million), 2016 – 2020
6.4 Mobile P2p Payments
Table6-1: P2p Payments Market By Region (In Us$ Billion), 2016 – 2020
Figure6-35: Global P2p Payments Market (In Us$ Billion), 2016 – 2020
Figure6-36: P2p Payments Market By Region (In Us$ Billion), 2016 – 2020
7.O Mobile Money X-tra Miles: Conclusions, Recommendations, & Protentions. 2021 & Beyond.
7.1. X-tra Miles?
7.2. Dark Horses
Operators + Banks + Fintechs — Must Watch Out For.
7.3 Compliance Cheat Sheet
Worldwide Compliance Hand Book
7.4. Case #30
Amberoon
7.5. Mobile Identity Advancements.
7.5a. Mobile Money Evils
7.5a.1. Risky Solutions
7.5a.2. Frauds, Heists, Hacks, & Narrow Survivals.
Noteworthy Actions / Inactions, Worldwide
7.6. Potential Markets
Massive | Mid - Sized | Squeezed | & No - Gos
7.7. Bullish Predictions
Arenas That’ll See Promising Growth
7.7a. Big Investors
Countries > Industries > Technologies
7.7b. Small Investors
Countries > Industries > Technologies
7.8. Modern Mobile Money Future
Revenues, Sustenance, & Relevance
7.8a. Making Money Beyond Mere Transactions & Intermediation
7.8b. Mobile Money ‘network-as-commodity’
More Than 10 Ways To Monetise A Mobile Money Network (As Commodity)
7.9. World Niche Complex
Featuring Over 200 Niches
7.10. Conclusions
7.11. Recommendations

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report