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ITU Workshop on “ICT Innovations in Emerging Countries ” (New Delhi, India, 14 March 2013). Innovations in Mobile Money. Vijay Mauree, Programme Coordinator, ITU Vijay.mauree@itu.int. Overview of Presentation. ICT Innovations Repository Mobile Money Financial Services - PowerPoint PPT Presentation
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New Delhi, India, 14 March 2013
Innovations in Mobile Money
Vijay Mauree,Programme Coordinator, ITU
Vijay.mauree@itu.int
ITU Workshop on “ICT Innovations in Emerging Countries”
(New Delhi, India, 14 March 2013)
Overview of Presentation
ICT Innovations RepositoryMobile Money Financial ServicesTypes of Mobile Financial ServicesMobile Proximity PaymentsMobile Payments : Financial InclusionStandardization
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ICT Innovations Repository
The Innovations Repository contains non-exhaustive information about activities on ICT innovations in emerging economies globally.212 ICT InnovationsRepository hyperlink:
• http://www.itu.int/en/ITU-T/focusgroups/innovation/Documents/repository-innovation-v2-may2012.docx
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Various Sectors in which ICT Innovations are being implemented
e-Health e-Educatione-Bankinge-Agriculture Mobile Payment / Mobile Financial Servicese-Environmente-Commerce/Tradee-Governancee-Journalism Rural Mobile ConnectivityProviding electricity in Remote areas e-Transport
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Mobile Money Technology Watch Report
Analysis published under Technology Watch Report on Mobile MoneyReport is in two parts
NFC Mobile PaymentsEnabler for financial inclusion
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Mobile Financial Services
No universal definition for the term mobile money
Mobile money refers to financial transactions and services that can be carried out using a mobile device such as a mobile phone or tablet. These financial transactions and services are sometimes referred to as mobile financial services and may or may not be linked directly to a bank account
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Mobile Financial Services
Lack of global standardsInteroperability Regulatory issues
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Types of Mobile Financial Services
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Mobile Payments (P2P, B2C/C2B)Proximity Mobile PaymentsRemote Payments
Mobile Money Transfer (P2P)DomesticInternational
Mobile Banking
Spectrum of Mobile Payments
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Mobile Proximity PaymentsMobile Wallets
Google WalletISIS WalletMastercardVisa
Mobile Phone as a PoSSquareVerifone
Cloud YesPay, Mobito
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Mobile Wallets
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Mobile Payments : Financial Inclusion
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Mobile Money : Financial Inclusion
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Applications of Mobile Money in Emerging Economies
New Delhi, India, 14 March 2013
Mobile Money Transfer
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Technologies usedUSSDSecure STKWAPApplication
New Delhi, India, 14 March 2013
Mobile Money Transfer
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Mobile Payments : Ecosystem
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Bank CentricMNO CentricPartnership
New Delhi, India, 14 March 2013
Standardization
ITUISOGlobal PlatformNFC ForumGSMASmart Card Alliance
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Standardization
Areas to considerSecurity of transactionsMobile Payment architecture
Proximity NFC paymentsCloud based payment
Interoperability for smartphone applicationsMobile Money Focus Group
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Thank You
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