drivers of growth in africa
DESCRIPTION
This presentation talks about how to meet the complexities and challenges of the market you need a flexible, powerful suite of offerings to address the wide range of opportunities.TRANSCRIPT
Drivers of growth
in Africa
Growth Drivers
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Conducive market conditions • Large section of adult population not having bank a/c but having mobiles.• M-payment. (Limited banking infrastructure)
Low Cost • Less expensive compared to post office’s Posta Pay etc. • Time cost, travel cost .
Accessibility • Any merchant / retail point is an agent.
Security • Theft.• PIN protection & value recovery in spite of loss of phone.
Inflation• Amount of cash to be carried is high.
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Growth Drivers
Subsidization of Handsets: Enable the low-income group to start using mobile services.• Operators are expected to engage with manufacturers to lower handset prices.• Handset bundling with offers built in to increase usage and retention .
Pre-paid billing will continue to be a major driving force. • Pay as per usage .• Lower Fraud risk .
Liberalization & Privatization of government owned telecom operators .• Kenya, Morocco.• More competition to the market and boost growth. • Attract investment in the sector.
Corporate Website
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Payer/Payee Perspective
Payers Perspective Payee Perspective
Convenient, understandable andeasy-to-use
Attracts payers
Liquid, underwritten by a credible 3rd party
High level of adoption by merchants and coverage by region, segment etc.
Safe and secure: payment isguaranteed, Payment value integrity
Low associated costs of acceptance:equipments, subsidies, transactionFees and compatibility
Safe and secure: Loss of value, leaves an audit trail, error-free Transactions
Practical to use: Fast, accurate,Efficient and reliable
Low cost product Accepted by merchant banks
Protects privacy: Personal andtransaction information
Leaves audit trail Limited paper work
Corporate Website
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The challenge is to create a mobile wallet to address all market segments
Full Access to fin. products Medium - very high value txns. Fully diversified spend patterns
Limited Access to fin. products Medium - high value txns. Moderately diversified spend
patterns
No Access to fin. products Low value txns. Restricted spend patternsEM
ERG
ING
MARKET
S
DEV
ELOPED
MARKETS
BANKED
UN-BANKED
UNDER-BANKED
BANKED
UN-BANKED
UNDER-BANKED
To meet the complexities and challenges of the market you need a flexible, powerful suite of offerings to address the wide range of opportunities.
Corporate Website
Mobile Era: Path to customer value
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How Obopay delivers value to consumers
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Corporate Website
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Focused on what consumers want
Get paidMobile P2PFamily MoneyTransfer MoneyBuy online
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Bringing it all together
Obopay’s platform and service handles the complexity of ensuring all the above features and requirements are seamlessly integrated and delivered.
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Integrating services
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For customers:
Easy to access Simple to useInstant Payment 24x7Secure
For partners:
Payment interoperabilityMultiple wallet types
Scalable, resilient and secure Platform packaging, branding
Regulatory complianceRisk control
Fast to marketIntegration flexibility
Easy to deploy
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Thank You
www.linkedin.com/company/obopay
http://blog.obopay.com/
http://twitter.com/Obopay
www.facebook.com/ObopayMobilePayments