Mobile Banking & Mobile Payment Services
January, 2008
Presenter : Philippe GERARD,
Business Development Director.
mailto:[email protected]
2 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Agenda
1. Introduction.
2. AlcatelLucent Approach and Value Proposition.
3. Convergent Payment Case Study.
4. Mobile Banking Propositions Going Forward.
5. Key Takeaways.
3 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Introduction
4 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
A View of the Market : Shifts create new business models.
Technology Shifts
Anywhere, Any Network.Channels andDistribution
Shifts
Market Shifts
Next Generation Business Models
Business Models
Source: Yankee Group &Alcatel-Lucent Research, 2007
5 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
A View of the Market : How about the Consumers
I want
- Faster- Better- Cheaper- Easier - Secure- Guaranties- Service
!
6 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
A View of the Market : Mobile Payment Trends
Means such SMS and Credit Card for online transaction are widely accepted.
Credit Exchange between Users is becoming mature in APAC.
M-Commerce is following quickly.
This also bring an opportunity to aggregate those Multiple Channels
Self-Service Access
7 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Alcatel-Lucent Convergent Payment
Approach and Value Proposition
All Rights Reserved Alcatel-Lucent 2007Alcatel-Lucent Convergent Payment - December, 2007
Alcatel-Lucent Convergent Payment Solution
Convergent Payment Solution
Real-time Rating, Charging and Billing
Market ServicesCircuit/Broadband/
VOIP, Content, IPTV, Video, VOD
Market Segment Unique Market
Segments Unique Offers
Payment Mean Real time, Prepaid,
Postpaid, Hybrid Accounts
Market Offers Residential, Enterprise, HomeZone, OfficeZone,
Dual Accounts,
Anywhere Network Wireline, Wireless, WiFi, WiMax, FMC,
NFC
Mobile Payment m-Commerce, Contact-
less NFC, Person to Person, Remote
Single Solution, Multiple Services, Multiple Offers, Multiple Networks - Simultaneously
http://www.solomio.com/index/1,1115,,00.html
All Rights Reserved Alcatel-Lucent 2007Alcatel-Lucent Convergent Payment - December, 2007
Convergent Payment SuiteOffering Overview and Feature Highlights
Support multiple networks simultaneously GSM/GPRS, UMTS, HSDPA CDMA, EVDO/Rev A Broadband/xDSL WiFi, WiMAX Fixed, VoIP IMS
Real-time, Convergent Rating, Charging and Billing
Enhanced Packages(Platinum)
Enhanced Packages(Platinum)
Usage (Minutes)
Top-Ups (Prepaid)
Grocery Store Clubs(member discounts)
Coffee Shops(buy 7 get 8th free)
Frequent Flyer Miles(based on $ spent)
Visa Card
Highly flexible Prepaid/postpaid/hybrid Private/corporate accounts Mix and match
Discounts Promotions Loyalty programs Product catalog
Affinity marketing Home/office zone Parent/enterprise controls Community offerings Personalization Online/offline charging
Support multiple applications simultaneously Fixed/mobile convergence Instant messaging/SMS/MMS Voice/data IP TV Quad play Mobile TV, video-on-demand Video telephony Web-services Context-aware content M-payment,M-commerce Multi-player gaming Music/ringtones PTT/PoC
http://www.couponcraze.com/coupons/starbucksstore/
All Rights Reserved Alcatel-Lucent 2007Alcatel-Lucent Convergent Payment - December, 2007
Alcatel-Lucent Convergent Payment Solution
One platform (Prepaid/Postpaid)
One product catalog (commercial offers)
One customer database
One operation team
Smooth integration with Network EnvironmentsIntegration with IT elements
A Unique Payment Platform Open Payment Platform
Source: Infonetics Research- March 2006
As networks evolves and IT systems evolve, overall integration becomes more complex and costly unless operators choose an E2E and Open Charging & Billing solution
All Rights Reserved Alcatel-Lucent 2007Alcatel-Lucent Convergent Payment - December, 2007
Market Leadership
vistream
Deployed in nearly all international groups
More than 200 fixed/mobile networks with more than 300 million subscribers
Complete end-to-end rating & billing solution
Small network capacity to large network capacity
Large Installed Base & Proven Solution
http://images.google.fr/imgres?imgurl=http://www.swains.co.uk/images/product%2520pics/channel%2520dist/orange/orange-LOGO.gif&imgrefurl=http://www.swains.co.uk/channel_dist.htm&h=160&w=160&sz=3&tbnid=uDcVAgt_NpUJ:&tbnh=92&tbnw=92&hl=fr&start=5&prev=/images%3Fq%3DOrange%2Blogo%26svnum%3D10%26hl%3Dfr%26lr%3Dhttp://www.bell.ca/shop/application/commercewf?origin=noorigin.jsp&event=link(home)
12 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Convergent Payment
Case Study
13 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
A Case Study The Problems
.
NFM.
.
G2000Platform
(new config)
Oldprepaid IVR
LucentMediationGateway
92
35 - Pre-activate subscriber36 - Disconnect subscriber
LMG1(Near
real-time)
LMG3
LMG2
StandaloneRCMS v3.1
65
55Bulk PromoAssignment
56Bulk
Correction
BIS
EricssonMMSC
SEMASMSC
NorteleGGSN
EricssonMSC
EricssonVoice Mail
MMSDiameter
9
14
13
INAP CS1(ME)
108
105
102
100
XLARGE2
Unload AMACDR / EDR
(BIS Legacy)Snapshot
5
Voucher dataUnload
ETL
NewReports
CCS
Customercare
appliclication
CORBA
Logica RCMSapi
MOSA
LDAP
LDAP
76
INAP(ME)
VodafoneHLR
VF DCCADiameter
MAP(SRI)
97
3PB
ERx(content rating)
79
155
78
156
154
Premium RateApplication
FNR / STP(SRI)
MAPMAP
98
101
MAP
XML
XML
AvayaACD
AvayaCTI 107
113
110109
PSP-SAPOut
INAPCS1
Tariff ToolGUI
BulkInterface
58
51
WMSIZI Logistics
IZI QueueManager
44
31
27
64
NPTM BRL
ISAAC
46
48
47
First callFile
2
Provisioningoutput File
45
BGW
TeMIP72
73
Perseus
25Postpaid GPRS CDR
CSR
FinanceBilling
40
50 Voucher Batch(de-) activation
Distribution
USSD callbackservice logic
USSDNotifications
41
43
Production andDistribution partners
49 Distributedbatches and packs
42
17
Static custdata Backup
15
ConversantCustomer care
IVR
61
Backuploader
71b
71a
Contentservices
Streaming
InstantMessaging
80
81
82
83
XMLSOAP
77
103Voucher
Activation
Retailers
User
104
Home and OutboundUser
20
2122
Home andOutboundUser
93
94
95
96
106
(BIS Legacy)Adjustments
FTPCDR / EDR
SNMP
SNMP
76
16
Dyn. cust.data Backup
SMPPSMPP 11 LMG5
FTP AMACDR / EDR
62
FTPCDR / EDR
Subscriptionmanagement
SMSCProxySMPP 12
LMG6PSP-SAPIn
FTP AMACDR / EDR
18
PostpaidGPRS CDR
26Nortel
GGSN CDR
INAPCS1
StandaloneRCMS
GUI-Appl.v3.1
38
52CSR VoucherManagent
FTP AMACDR / EDR
USSD
(BIS Legacy)CDR / EDR
NortelGGSN CDR
(ATM and)E-voucher
Prepaid MMS&GPRS CDR
INSS
PSP-SAPOut
23
MMSCharging
GPRSCharging
INSSINSS API INSS API75
Pelican
74
68
70
PSA PSP-SAPIn19
87
60
63
NMC
New USSDselfcare
VF DCCADiameter
LDAP
114
ETLExistingReports
122123
124
(Lucent raw)CDR/EDR
115
33
119
RCMS api
126
ISUP
ISUP
129
GeneralLedger
CC IZI
Tariff ToolApplication
LDAP
CAMEL
CAMEL
130
HLR bar/unbarfile
131
CORBA/XML
132
Third partyContent provider
134
New Prepaid IVR
SNMP
135
HLR 136
CORBA
Provisioning
In-memoryMigration DB-1
PPAS
137
LION
LDAP
138Logica RCMSDatabase link
137
ExistingReports
Cupido ETLEnhancedExistingReports 120 IMEI
32 IMEI
139
140
Finance ControlMarketing PM
Marketing CRM
141Prepaidproducts
LMG4 LDAPMMSDIAMETER142143
BulkProv. file
BulkProv.File 139
Bulkprov. file
DatabaseLink
141
DatabaseLink
DatabaseLink
ChargeRouting
SOAPProxy
MigrationMenu
CustomerMigtation status
BulkProv. file
BulkProv. file
145
146
RevenueAssurance
CRM
PostpaidIVR Menu
SNMP
N&SMLoggings
147
148
OpenView?
WSM(E2E service
Mngmt)
Old USSDselfcare
Transactionrouting
Old PPRTU
New PPRTU
Old Rabo/Giro
New Rabo/Giro
152
153
Old 3PB
New 3PB
Old OLS
149
OVO - SPI
OVO- SPI
150
153
Old EO
New EO
RegistrationDesk
LION(IZI zoek)
Rabo/GiroSystem
Browser(OLS)
91
CTRUS(PPRTU)
84
88
157
2nd line support158
159
161
160
ProductMarketing
CustomerServices
Full VoucherManagement
Account info
Replenishment
Usage query
N&SMLoggings
DOLCA MMSDiameter T1
SMSDiameter T1
162 (T1)
163 (T1)SMS Diameter
164 (T1)
121
CORBA
CORBA
37 - Change MSISDN
OracleMigration DB-2
165
144
142
CCMS166
Reconciliation tool
EricssonMML
167MM7
OldPPRTU menu
PPRTU menu
Voucheracttivation IVR
104
104
104
Prepaid Retail
Prepaid Wholesale (B-2-B)
Postpaid Retail
Postpaid Wholesale (B-2-B)
Data Billing
Application(s) Rating
Launch a new service- how fast ?!
A project management nightmare !!!
Voucher Mgt
%
14 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
A Case Study The Solution
Fixed, Broadband Wireless
Combine Rating, Community, Promotions, Products to
support individual segments
CRM
OSS/BSS
ERP
APIs to integrate with critical business system
s
Convergent Payment Solution
Drag and drop creation of offers
Seamless Integration
Converged
Results:
Lower TCO with fewer moving parts
Speed Time To Market simplified maintenance
Unified care and sales through a single system
Convergent products were made available to all customers
Up-sell services within the subscriber base without requiring complex IT work
360 degree view of the subscriber to enable the best possible service and customer care
15 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Alcatel-Lucent Services : your Integration Partner
Design
Network, services and OSS/BSS architecture, process design
Detailed specification, design and test plans
Maintain & Operate
Remote technical assistance, repair, spare parts management, field maintenance, partial or total network operations management
Integrate
Test specification and execution
In-lab testing and validation
Consult
Business consultancy, business case development
Network audits, security audits, strategic architectures
Deploy
Project management, engineering, configuration, site surveys, installation, commissioning, acceptance testing, migration
Network complexities can require resources that may already be maximized supporting ongoing business operations
Alcatel-Lucent Services Team has the expertise and experience with complex network integrations to ensure a smooth transformation
Experienced Resource In Network Transformation
Alcatel-Lucent Mobile Banking Propositions Going Forward.
17 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Stored Value Accounts (SVA) Concept.
Payment
Store Value Account Refill
Loyalty Reward
Embedded Self Care Application
Provisioning & User Management
User Profiles & Commercial Offers
Leveraging Prepaid/Postpaid Operational Requirements to Mobile-Banking & Mobile Payment
18 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Combining Mobile Banking & Mobile Payment services
Store value account (E-wallet)
Cash-in / Cash-out in outletsBill Payment Recharge
Recharge SVA with a cash, Bank transfer, Credit card, P2P, E-voucher or a scratch card
Allow separation from Prepaid/Post-paid accounts
Peer-2-Peer Money Transfer
P2P money Transfer between 2 E-walletsBased on USSD, Web, IVR, Chargeable with rating rules on both e wallets
Support purchase of goods and services at merchantsSupport Settlements and Cash-out
19 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
Multiple End-User OptionsFor Personalized Utilization
Features :
Instant Notification
User Self-care Services
Consultation and History
Technology :
Support of New Technology and Devices
Any Means : WAP, WEB, SMS, USSD, IVR, NFC,
All Rights Reserved Alcatel-Lucent 2007Alcatel-Lucent Convergent Payment - December, 2007
Key Takeaways
Real-time:Stored Value Accounts, P2P TransactionsPersonalized
Banking Ease of use through choice of transaction managementSelf care/account managementLeap frog access to e-banking
Maximum flexibility:Support hyper-market segmentation of subscribersExtend market partners to merchants, financial Application institutionsReduced churn, increase loyaltyIncrease usage of adjacent services
Single solution:Natural extension of prepaid/postpaidOpen APIs to financial institutionsExtensiblePositive impact on social, economic growthEnhancement of safety, security and efficiency all-in-one
21 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008
www.alcatel-lucent.com
Mobile Banking & Mobile Payment ServicesAgendaA View of the Market : Shifts create new business models.A View of the Market : How about the ConsumersA View of the Market : Mobile Payment TrendsAlcatel-Lucent Convergent Payment SolutionConvergent Payment Suite Offering Overview and Feature HighlightsAlcatel-Lucent Convergent Payment SolutionMarket LeadershipA Case Study The ProblemsA Case Study The SolutionAlcatel-Lucent Services : your Integration PartnerStored Value Accounts (SVA) Concept.Combining Mobile Banking & Mobile Payment servicesMultiple End-User OptionsFor Personalized UtilizationKey Takeaways