ericsson mobile financial services dinero movil · pdf fileericsson mobile financial services...

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CAPITALS

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Ericsson MOBILE FINANCIAL SERVICES dinero movil latam 2013 International Congress and exhibition

Lars arvidsson Head of Global Sales and Business partnering LIMA, March 20, 2013

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Do not add objects or

text in the footer area Ericsson Internal | 2012-11-27 |

“The Next Big Thing”

“The Opportunity is Here & Now”

Mobile Money

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$ 800 000 000 000 (Yes, that’s almost a trillion dollars)

Source: Ericsson analysis

*mobile banking, P2P transfer, mobile payment

M-Commerce* transaction value 2017

It’s about to drive a cashless society

It’s about providing financial services to

the 2 billion unbanked

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text in the footer area Commercial in confidence | February 2013 |

Huge potential market, WW

$ 800 billion

transaction volume

M-p

aym

en

ts

(Onlin

e &

PoS

)

Mo

bile b

an

kin

g

$ 26 billion

revenue opportunity

This is only 2,5% of what could be processed through mobile devices

P2P

Mo

ney t

ran

sfe

r

(dom

estic/

inte

rnational)

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600M Mobile phone

users

70% Unbanked

80% Cash

economy

1/5 US Residents

are Latin American

$70B Annual Remittances

Received in LatAm

18 Mobile Money

Services Live

LATAM’s FACTS

80% Urban

Population

35 Countries

80% Prepaid phones

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› Expand target market

through inclusion of

unbanked / undeserved

› Increased use of financial

services

› Identify new services – find

loyalty elements

› Drive new revenues

through new services

Financial services

P2P PAYMENTS

Household expenses

Micropayments

(Taxi, Parking, Bus, Metro)

Utility / Insurance

Payments

Grocery

Shopping

Government

Aid

Disbursement

Loans –

Micro-

credits

Remittances

Domestic & Internationals

Prepaid

Credit

Top-up

Micro Retail

Payments

Branchless

Banking

Education

Health

Salary &

Benefits

payment

Example use cases Emerging markets

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M-commerce is the New SMS!

Everybody is

the customer

Whole new

revenue streams

Telecom

assets matter

Differentiation

and loyalty

A massive market Does not cannibalize

Makes customers stay Industry in pole position

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Ericsson’s transform MOBILE MONEY

“EBITDA CONTRIBUTOR”

Three key benefits supporting improved MNO cash flows:

Increased ARPU; Reduced Churn; Reduced Distribution Opex

Example deployment; gross profit by area 1 Benefit Description

Increased

ARPU

› Significant direct revenue benefits:

“M-PESA accounted for 13.4% of our

revenues in FY 2011.”

Safaricom, 2011

Customer

acquisition

& retention

› Win or defend share by reducing

churn: “While the churn rate for regular

mobile customers is roughly 4.5% per

month, the churn rate for an active

Mobile Money customer was 0.2%.”

Mobile Money for the Unbanked, 2010

Reduced

distribution

opex

› Reduce airtime opex: “Operators can

see significant cost savings by selling

airtime through mobile money.”

Pyramid Research, 2010

52%

33%

12%

0%

20%

40%

60%

80%

100%

% gross profit contribution

Money Transfer Fees

Retained ARPU from churn reduction

Airtime distribution savings

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text in the footer area Ericsson Internal | 2012-11-27 | Page 13

Ericsson is a key player in this arena

2 billion prepaid accounts world wide is today

hosted in Ericsson Charging System, they

will be enabled with mobile wallets

Ericsson handles more than

50 billion real-time transactions everyday

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text in the footer area Commercial in confidence | February 2013 | Page 14

ERICSSON WALLET Bringing together best of two world

ERICSSON CHARGING

SYSTEM

+

ericsson Wallet solution

Telecom and/or

Bank Services Mobile Financial Services

CORE BANKING SYSTEM

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text in the footer area Mobile World Congress 2013 | © Ericsson AB 2013 | 2013-02-25 | Page 15

Realize the Next generation mobile wallet platform

Easy bundle of voice, SMS, data and mobile money:

Improve operational efficiency and performance:

› Consolidated account view

› Share benefits of bundled services

› Cross-offering promotions

› Same communication channels

› One and the same configuration tool

› Reduce risk for inconsistency

› Optimize portfolio

› Telecom grade performance and scalability

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text in the footer area Commercial in confidence | February 2013 | Page 16

Ericsson wallet enables cross promotions to drives usage & stickiness

Dedicated

Account

Provide subscribers with one

account view

Family &

Friends

Special Family & Friends rate

for mobile money transactions

Balance

Threshold

Notifications

Notifications when mobile

money account reaches a

certain level

Refill

Promotions

Define promotions for selected

mobile money transactions

Bonus based on

accumulated

usage

More flexible bonus options

by combining usage of data,

airtime, SMS or mobile money

Balance

dependent

tariffs

Adjust transaction fees based

on the subscriber’s Mobile

Money account value

Community

Charging

Special offers and prices for

transactions within a community

You have made 5

Mobile Money

transfers and are

awarded with 20 free

minutes of airtime

Since you have more

than 200€ on the

Mobile Money account

you receive 10%

discount on the transfer

fee

Since you have the

Family & Friends

offering this Money

transfer will be free of

charge

Since you did a Airtime

top-up with mobile

money you are

rewarded with 10MB of

data traffic

Balance:

Voice - 95m

mWallet- $60

Powered by Ericsson

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text in the footer area Mobile World Congress 2013 | © Ericsson AB 2013 | 2013-02-25 | Page 17

SWIFT

(financial

industry)

Money

transfer

Internet

companies

Operator

wallets

CONNECTING THE

ECOSYSTEMS

building the open money network

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Ericsson offer a complete M-Commerce Portfolio

WALLET

PLATFORM

M-COMMERCE INTERCONNECT

CONVERGED

WALLET

Software as a system or service.

Enables secure and convenient mobile

financial services, e.g. money transfer

and payments

An integrated solution combining the

wallet and charging platform. Allows

operators to re-use existing assets and

bundle telecom and financial services

An open network for mobile money

transfers. Solves the need for

interoperability between mobile wallet

providers and established payment

networks

M-COMMERCE SERVICES

End-to-end portfolio of services to

support your M-commerce lifecycle, for

example business planning,

compliance, organization and processes

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text in the footer area Commercial in confidence| 2012-08-15 | Page 19

summary

› Wallet uptake is ready for next generation services but driven by “banking the unbanked” in both developed- and emerging markets

› Local and Regional eco system must be in place – collaboration with regulatory bodies and government is key for success

› Ericsson entering in to m-commerce with several propositions. Investing in several strategic initiative both direct and indirect including establishment of global eco-system through Partnership with strong innovative Brands

› Industry consolidation is expected

› Tailored channel- and marketing investments is crucial

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Thank you! Follow the Ericsson M-Commerce

blog:

www.ericsson.com/m-commerce/

[email protected]

http://www.ericsson.com/m-commerce/



mailto:[email protected]

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