T4 PRESENTATION What we learnt with France Télécom Group 1
Product portfolio Bill Payment Pay your bill 24h/24 7/7 SMS notification for the due date Pay for your third party from anywhere Paid part of your Bill Offline payment based on daily bills file for medium company Online payment with large company Reporting on daily activity and balance Wallet Money deposit Money withdraw Merchant Payment Pay directly in a shop with Pay from your home your services Reporting on daily activity and balance Airtime Buy Airtime Money Transfert local transfert International transfer with Western Union 2
will change your daily life A wallet in your mobile 1: Transférer de l argent 2: Consulter le solde 3: Acheter du crédit téléphonique 4: Payer des factures 5:Consulter les dernières transactions 6: Options Service compliant with all existing mobile Unique Number on Orange Footprint #144# on the mobiles Specific Brand and logo for all the countries With OM, my money like it would be in a bank. I can withdraw my money when I want in the Orange Money agent. I can check my wallet 24/24, 7/7. I can pay my expenses at any time without having to carry cash with me. For my business, I secure my revenue and I reduce my insurance cost. My money transfer is guarantied and instantaneous. My family can have their money in any Orange agent. France Télécom Group 3
ecosystem : Player to insure the Cash availability system works with money unit call UV: UV value is based on local currency values Central bank approval is needed for the UV creation Success is linked on the distribution channel and network: Agent to secure the deposit and withdraw Merchant and billers to develop the OM usage. Cash Cash Cash Cash Orange is at the heart of the ecosystem: UV distribution Technical platform management Distribution channel management and communication Business partner development Process and conformity rules implementation required by the financial legislation Provide reporting to the bank partner And our bank partner France Télécom Group 4
Mobile Money services can follow different models for a mobile operator regarding its mobile market share and the market context issue money issue money issue money issue money operate M-Money service & platform operate M-Money service & platform operate M-Money service & platform operate M-Money service & platform distribute the service distribute the service distribute the service distribute the service brand the service brand the service brand the service brand the service carry data for banking applications carry data for banking applications carry data for banking applications carry data for banking applications South African bank partnering with MTN and Vodacom in Kenya, in partnership with Equity Bank Most telco follows this model, incl. OM in Ivory Coast, Senegal, Niger, Mali and Mada M-Pesa by Safaricom Kenya is the only operator in Africa following this model Strong Bank position Strong MNO position the choice of the model depends on Operator & Bank relative bargaining aining power (linked with market share & penetration) 5
A new activity for Telcos and Orange Marketing & Communication : New usages and Customer need to be educated Settlement & Fraud : handle the bank compliance Distribution : Distribution channel able to provide the Cash HR : dedicated resources and new skill to be developed IT : Technical solution with high expectation on security and reliability Finance : Manage flow between electronic money and Cash Business Processes : More than 50 processes are defined with the Bank France Télécom Group 6
Strong expectations on security Regulation and best practices - Anti Money Laundering, Countering of Financing for Terrorism, Basel II. - ISO2700X, EMSSO reinforced process - Know Your Customer - Traceability and archiving on subscription and transaction - Disaster recovery plan - Fraud monitoring Specific tools - OCR/GED for subscription paperwork - External log server - Statistic fraud tool - Centralized transaction platform in France 7
Le désert et l insécuriténe sont plus des barrières au nord du Mali Mahmoud Ould Aziz Commerçant à Gao Client depuis aout 2010 Avant << Il n etaitpas rare que ma caravane se fasse attaquér dans le désert par des bandits qui nous dépouillent de tout notre argent. >> Aujourd hui << Je met tout mon argent liquide sur mon compte et cache ma puce dans mon col de boubou, je voyage donc sans risque de me faire tout voler. >> 8
Merci merci 9