1. Mobile money – The next wave of growth Optimizing operator approaches in a fast – changing landscape 201012057 엄영범 – 부교재 발표 201311886 김민재 – 본교재 발표

2. Contents 1.Executive summary 2.Assessing the global mobile Payments landscape 3.Optimizing the enabling environment for mobile payments 4.Making the most of a growing addressable market 5.Five strategic success factors for mobile operators

3. Executive summary 1.Mobile payments are set for a new wave of growth, but disruption is rising in a blurring industry landscape. 2.Strong enabling environments are vital to the long-term success of mobile payments. 3.Operators must widen their service offerings, leveraging existing capabilities in customer information and location sensitivity as they refresh their partnering agenda.

4. Assessing the global mobile payments landscape Isolated progress to date, but innovation rates are quickening

5. Assessing the global mobile payments landscape Interconnected use cases signal new opportunities

6. Assessing the global mobile payments landscape Interconnected use cases signal new opportunities

7. Assessing the global mobile payments landscape Emerging VS Developed : demand varies by region and country

8. Assessing the global mobile payments landscape Mobile money take-up varies sharply by country

9. Optimizing the enabling environment for mobile payments Regulatory complexity remains a long-term challenge

10. Optimizing the enabling environment for mobile payments Payments services regulation requires a holistic and coordinated approach -Mobile payments would be compatible with other mobile payments. -Regulation that promote efficiency of payment can disrupt existing business model.

11. Optimizing the enabling environment for mobile payments More complex ecosystems are forming in mature markets

12. Optimizing the enabling environment for mobile payments The benefits of interoperability and open systems. -Disruptive innovation lead to interoperability between different platforms. -But fully interoperable services are still in their infancy in most markets.

13. Optimizing the enabling environment for mobile payments Interoperability at work in Indonesia.

14. Making the most of a growing addressable market Realizing a range of compelling use cases -Many mobile service users use mobile payment as a tool to support P2P or P2B capabilities. - Changing business model B2C→B2B

15. Making the most of a growing addressable market WEVE: combining capabilities in advertising and payments in the UK -WEVE designed to provide a mobile advertising and payment platform. -It is core competence which is focusing on improving the identification of consumers across applications and mobile webs.

16. Making the most of a growing addressable market The need for a flexible business model as the pace of innovation increases

17. Five strategic success factors for mobile operators 1.Leverage established strengths and reputation in security and customer insight 2.Improve and align payments-related competencies within the organization 3.Engage with customers, suppliers and stakeholders in new ways 4.Consider targeted investments to improve time-to-market 5.Reinvigorate partnerships and joint ventures to grow capabilities and improve credibility with end users

18. Five strategic success factors for mobile operators Building your mobile money road map

19. Conclusion The mobile money opportunity is one that no operator can afford to ignore. Operators that invest now in the necessary capabilities, technologies and relationships will reap the benefits for many years to come.

20. Q&A