mohamad-sn`s
However some mobile operators have an explicit strategy to use their mobile payment platforms to allow users to purchase airtime with a significant rebate. This entails considerably cost savings for the MNO, as the cost to deposit funds into a mobile account are typically much cheaper than the amount a MNO pays to its reseller network. However it is not in the long term interests of the reseller to sign up customers to a mobile money service, as to the extent to which the customers stop purchasing airtime via the agency network, their business will decline. Resolving the complexity of the role of the reseller in promoting the mobile payment service is thus a key element of the design of the business model. In some instances the MNOs are dependent on the agents to promote mobile payments, although because of the rebate offered to users it represents a long term threat to the agents’ business.
This contrasts with M-PESA in Kenya where no rebate is offered, precisely to protect and promote the interests of the agents, who play a key role in customer registration and payments. In the Philippines the dilemma is resolved by having separate sales and service channels with the resellers not being responsible for the sale of the service. At the same time it seems that for the customer, instant access to airtime at a discounted rate remains one of the key drivers of the adoption of mobile payments in most markets. For banks and MFIs, the opportunity is to play catch up. Few have yet been able to reduce their total cost to service low income customers through leveraging mobile as a low cost channel, but at least in South African banks and several rural banks in the Philippines, there is sufficient experience and customer acceptance to start to consider mobile as a core part of the “package”. This experience, as well as, revenues from airtime sales, remittance revenues and bill payments will increasingly feed into estimates of customer profitability and market opportunity. Equally, a larger and larger number of younger customers access and purchase value added services on their mobile phones and need to find a cheaper way to fund such purchases rather than use airtime minutes (or load).
The natural extension is thus for more and more users to adopt solutions that link their mobile phone with their bank account, or to download applications that facilitate this linkage. Bottom-line for MFIs: More Options with Less Investment Whether mobile payments remain operator led or come to look more like the card industry, does not matter too much to an MFI. Providing that a dominant and interoperable transaction infrastructure emerges, there should be major opportunities for MFIs to re-engineer business process to reduce costs using the capabilities of mobile payment platforms. This is already happening in the Philippines, and in Kenya. However it is equally important that any MFI considering adopting a mobile payments solution carefully examines the value proposition to its customers, and what competitor products/solutions are available. "NOKIA 9 PUREVIEW REPORTEDLY SET TO BE UNVEILED IN JANUARY 2019" Nokia 9 PureView reportedly set to be unveiled in January 2019 Forget the Nokia 8 and Nokia 8 Sirocco, a and true flagship smartphone (Noia 9 Pureview) that could blow competitions away might be arriving soon.
Understanding Programs For smartphone - mohamad-sn`s
Although the device has for over one year been subjects of rumors and leaks, going as far back as last year even, but it appears it soon come to reality, as we now have insight on when HMD intends to reveal the device. The Russian publication Nokia A citing some unnamed foreign claims that the Nokia 9 Pureview could be launch later in January 2019. Notably, a dedicated event would be held at the end of January after the CES in Las Vegas, and right before the MWC in Barcelona. View image on Twitter Nokia a nokia_a One month left before the announcement.
No comments:
Post a Comment