Mobile-Money & Economic Development

Transcription

1 Mobile-Money & Economic Development Dan Jensen iworldservices Copyright 2010 iworldservices. All Rights Reserved. iworldservices' Objectives Develop/deploy internet based, open source communications platforms, products & services 1

2 iworldservices' Objectives Develop/deploy internet... platforms, products & services Directly and indirectly target small business, low income & rural market segments iworldservices' Objectives Develop/deploy internet... platforms, products & services Directly and indirectly target small business, low income & rural market segments Provide services that fosters social entrepreneurship in developing countries 2

3 Business The Market Social Impact Trends Initiatives Agenda Business Description Emerging Markets International / Intra-national VoIP Service Segments-Current focus Callshops Internet cafes Tele-centers Segments-Future focus Small Business Community Centers Virtual Callshops (Mobile Platforms) Lowest income strata (Base of the Pyramid, BoP) 3

4 Business Description Revenues: Twelve million annual revenue ($12,000,000) In two & a half years Business Description Geographic Markets (Priorities) Middle East Africa Latin America Asia 4

5 How We Do It VoIP (softswitch) equipment in San Jose and UK that uses open source software at its core Integrated software engine (Control Panel) to create and manage accounts, deposits, credit, pricing and measurement Customer side iworldservices side International sales and support organization operating on-line Web based marketing and customer management Terminating agreements with dozens of global and regional carriers Collection and short term credit granting process 5

6 Agenda Business Description The Market Market Size Competitors & Competitive Issues Target Customers The Market International Long Distance Services 6

7 The Market Will Fuel and Accelerate the Anticipated Explosive Growth of VoIP Based Communications Services in Emerging Markets Worldwide The Market Emerging Market Countries Inbound Traffic by Sub-Region

8 Competitors & Competitive Issues International Traffic Total 365 billion minutes Total 416 billion minutes The Market Market Size Target Customers (Characteristics) Migrant workers (& Families) No credit cards No computers No wireless devices 8

9 The Market Market Size Target Customers Migrant workers (Type/Location) Construction or oil field workers Domestic help India, Pakistan, Bangladesh, Sri Lanka, Nepal, Egypt, Philippines, Chad, Sudan, Niger The Market Market Size Target Customers Migrant workers Host Countries Oil or other natural resource rich states Tourist industry states Governments and businesses investing in heavy construction 9

10 The Market, Base of the Pyramid A Huge, Growing, Untapped Market A huge market at the Base of the Pyramid (BoP) will fuel and accelerate the anticipated explosive growth of VoIP based communications services in emerging markets worldwide The Market: Base of the Pyramid Purchasing Power US$ Global Population (millions) > $20, $1,500 - $20, ,500-1,750 <$1,500 $1,500 3 Bottom of the Pyramid 4 } 4,000 10

11 The Market: Base of the Pyramid Huge Market at the Base of the Pyramid.8 b < $40 day 1.5 b $4 - $40/day 1.4 b $4/day Bottom of the Pyramid 1.3 b $1/day post-paid pre-paid microfinance shared phones Agenda Business Description The Market Social Impact 11

12 Social/Economic Impact Affordable Communications Services to BoP (Voice / Internet) Income, employment & quality of life benefits Strengthen community connections Much discussion about how to sell products and services to the BoP we are doing it! Agenda Business Description The Market Social Impact Trends and Future Focus 12

13 Trends Traditional landline service is being replaced by Cell Phones and VoIP Mobile smart-phone callshop platform growth VoIP calling through Dial UP and 3G leaky pipes i.e. international calling on cell phones is migrating to VoIP Wi-Fi distribution and transport Micro-financing growth and the emergence of Minutes as money Social Capitalism Inexorable, if uneven, communications deregulation in emerging markets Qatar, India and Brasil examples vs. Bangladesh Future Focus Provide sources of income to BoP segments and the enterprises/communities/institutions that serve them so that their communications requirements will eventually be self sustainable need more robust distributors and products Develop VoIP Reseller in a Box - develop new distributors Develop Virtual Callshop / micro tele-centers in a Box Develop Small Business Incubator in a Box new web communications based businesses Micro-financing for start-up Partner with Medium sized local bank Leverage distribution, banking relationship, Control Panel, smart phone platforms and calling card network to provide VoIP and m-money services 13

14 VoIP/mFinance / M-Money (Concept) Target segment of pre-qualified micro-financing candidates Retail presence Good credit Entrepreneurial Develop communications offers appropriate to the entrepreneur's profile Packages (May sell more than one) Callshop Booth Kit Mobile Phone Dialer Kit Calling Card / Off Site Usage Kit ---PC dialer, Premise ATA, Call Back Number Management Software (or analog work around) Working Capital financing from Banking Partner Deposit for minutes Hardware purchases if necessary (Devices, PC, etc.) Follow up with mobile money offer/application Activate Calling Cards to accept mobile money (no effort) Develop software to allow reverse transactions on calling cards from anywhere Develop with Bank Partner a branch network where the reverse transactions can occur Follow on application would allow expending minutes for goods within the calling card community Allow flows between calling card accounts Enables account issuers to transfer minutes to their own account and then Contact Information Dan Jensen 1600 Shattuck Ave. Suite 106 Berkeley, CA USA phone: facimile: mobile: djensen@iworldservices.com web: 14

15 Dan Jensen Executive VP VP of Internet Applications Services at GTE/Verizon; VP of Marketing at Talk Free Product Management and Network Planning VP at GTE; Senior positions in voice and data communications services President of Dare Technologies (China); developed new international market opportunities for high-tech products 15