Mobile Money 2011
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Transcript of Mobile Money 2011
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obi oy 011EgZadalqj]\]f]\
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Tuitis rtrs r i ts rwt, vr, busiss
trsrti, ti
j]_mdYlgjqhj]kkmj]kafaf[j]Ykaf_dq\a^[mdl
i itis. Ortrs s
rst u bus ty vu ur
iustry-bs r t rssi tir
ssur, tx, trsti visry
s. Ty w tt ty v u t
i r ur r ursti t
rtuitis, xitis ri
ritis t tuitis iustry
wrvr i t wr tyr rti.
Wt ivs us tis ursti is ur
b Tuitis Ctr. Orti
r Pris, C, sbur, Riy,
Di, Bii, S Ati, t Ctr
bris ttr is r
rss t wr, t ur its rss
t s ty trrw.
Gmj[da]flkZ]f]l^jgegmjafka_`lkgfc]q
trs ri issus. Ts y rt
t t i wtur, xt-rti
srvis, irstrutur sri, utsuri,
j]n]fm]YkkmjYf[]$gh]jYlagfYd]^[a]f[q$rutis, utur rwt rts r
rrs uisitis. W ur its
rt t trs i wy tt irvs t
fYf[aYdh]j^gjeYf[]g^l`]ajZmkaf]kk&
r r but ur rs
srvis by visiti ur wbsit:
www.y./tuitis
About Ernst & Youngs
Global Telecommunications
Center
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Frwr
O t st xiti w rs rt ts str is t rwt i
bi yts. As t srt
is bi s tr t wt w
y-t-y, its surris wr si
w wys usi t st t y r
tis. Mwi, bis sttus s
r-ri irstrutur is brii
y ri rt usrs it t
fYf[aYdkqkl]e^gjl`]jkllae]&
r t rst u, ur t i t
EgZad]Egf]qG^[]klYjl]\Zq`]dhaf_
ur its rw u strtis r bi
y srvis. Tr yrs tr, ts
s r w rity. A yrs
r wri twr i tir busiss
hjglYZd]$[gehdaYfloal`j]_mdYlagfYf\
st irtty r t ustr
sur.
Tis vrviw is it t iit
s ts bi ustis sti i
rs ts, ty, rti
bi, s ty sir rtuitis i
t bi y s. It rs rt sris ubitis bi y
ru by rst us b
Tuitis Ctr.
i , w wi tiu t
t t sit issus s ty
ris, i buri bi y
s. My ts t ur
us w v wr tis
rrt.
Vincent de La BachelerieGlobal Telecommunications Leader
Vincent de La Bachelerie
b Tuitis r,
rst u
vit...brir.y.
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Wit t vt bi y srvis, t tur yits is i. Mbi y rrsts rtr vit usrs s yts v wy r r trstis.
T t, bi y is s uti s systs.Tis utiiity uris its -tr tti, wis vi sbiity. At t s ti, wvu is r ri, riv by ty, us s r-xisti yts s.
vrts rutrs ust i t rritiy rwr r bi y srvis. Mu wi ivt wtr bi y is sir xtsi xistiyt iss r uiu . Prrtitruti rss-iustry itivs v irtt rt y.
Ky sss
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422Mbi y t r
Cotts
123
Itruti 06
12
16
Mbi yts i us
Irvi t biy syst
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1.ItrouctioAs t tcouictios sctor
turs to w rowt , obi
oy srvics r bcoi or
iortt t vr. T ccrtio
o obi rittc srvics
osi w obi yt
scrios iits t r o
oortuitis or t obi o to
j]\]f]l`]egn]e]flg^egf]qZq
owri costs, icrsi covic
ruci ru.
obi oy 011EgZadalqj]\]f]\
6
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obi oy 011EgZadalqj]\]f]\
7
Ovr, bi yt srvis r xt t r US245b i vu
wrwi by 2014.2 At t s ti, bi y usrs r xt t tt
340, uivt t 5 b bi subsribrs.3 T t, y t st
sussu srvis wrwi v riit i v Asi wr bi
ttss srvis r w stbis si y trsr srvis i
ri rts su s t Piiis y.
Ortr- y trsr srvis v i trti u t trs su s
t i trti sts r t b uts bi rutry
virts. wvr, rtuitis v yt t b xit i y v
eYjc]lk$o`]j]fYf[aYdaf[dmkagfak`a_`]jYf\o`]j]l`]j]akY_j]Yl]j\an]jkalqg^
xisti yts s. I ts utris, t bi is r sy
t wit t vt tri yts, wi t isrity i
vr vs btw bi bi irstrutur i ri utris
ivs t bi r siury trsrti r.
Fiur 1: obi yt usrs by rio 00-10 orcst1
1rtr sys ubr wrwi bi yt usrs t r 108.6 ii i 2010, rtr, 21 u 2010.
2Mrt Isit: T Out Mbi Pyt, rtr, 10 My 2010.
3Ibi.
70
60
5041.8
62.8
Users(m)
(rsts)
16.8
27.1
200 2010
5.18.0
4.57.1
1. 3.5
40
30
20
10
9kaY%HY[a[ MA ti Ari Wstr ur Nrt Ari0
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obi subscribrs worwi (i iios)
3.51.
Nort Aric
8.05.1
Lti Aric
7.14.5
Wstr uro
2010200
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62.8
41.8
9kaYHY[a[27.1
16.8
A
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obi oy 011EgZadalqj]\]f]\
10
4Survy Csur Pyt Ci, Fr Rsrv B Bst, Dbr 200 (2000+ rsts).
5T It tri Pyts i rwt, Vis, Mr 2010.
6Is Csss sity t rs? The Daily Telegraph, 11 ury 2010.
7K=H9>GJ;9K@$L`]Kaf_d]=mjg;Yk 9j]Y$LgoYj\kYegj]]^[a]fl=mjgh]Yf[Yk kg[a]lq$ European Payments Council, Newsletter, ury 2011.
8Ibi (xus surs).
xui surs, t si st s sts t ru0.500 DP i y ur utris. Ts utris
wit wr s sts s rrti DP v r
\an]jka]\j]lYadhYqe]flkqkl]ek&7 Atu t us s
s s yt is ii, it sti uts r t
rity yts vu i y rts.
Fiur 3: Cs us s roortio o tot yts i
sct uro coutris8
ovi byo cs-bs socityO t st irtt sirtis r bi
tri yts is tir r i t -tr v
wy r s-bs sity. I ur, s uts
^gj^gmj%^l`kg^lglYdhYqe]flljYfkY[lagfngdme]&`ad]
usrs riv s s r, it is tuy ubrs
yt istrut, ivvi sts i, trsrt
surity.
Rsr sws tt 1 irs i r us rts
0.03 irs i suti 0.024 irs
i DP.5 Mwi, s trstis rt sr
tt vs t i syst, urti suti. Fr
x, t Dut tr b s rrt tt t u
st s i t Ntrs sts t 300 r iy,
uy.6
>a_mj]*29\ghlagfg^egZad]fYf[aYdk]jna[]kafl`]Mfal]\Stts (00)4
Mbi bi
rsts
SMS yt
Cttss bi yt
0 5 10 15 20
70
80
60
50
40
30
20
10
ry
%totalvalueofpayments
Ntrs U Fr Fi0
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2.obi ytsi ocus
Broi otu
Mbi yts rr t wi r srvis. Bsi bi bi
srvis v xist r , wi y stbis bi ritt
srvis b i s r-t-r irti trsr srvis. At t s ti,
ry bi wb Wirss Aiti Prt (WAP) itrs r bi
yt v rrss t iu yt bi iti strrts
i wts t st.
i , t bi st is s yi y r i srvis tt
bi yt wit rt ustr t ru ursi rrs
a\]fla[Ylagf$km[`Yk[mklge]jdgqYdlqhjg_jYekYf\]n]flla[c]laf_&=pYehd]kg^
ivtiv bi yt itis iu trsrtti yt srvis i
Fr, t y srvis i Sw t r iititiv ur wy
i t Ntrs. Trsrt titi r rs wr ttss yts
rrst str vu- i trs s vi.
T bi yts rt is x . SMS-bs srvis r t
bst-stbis, wi tr bi yt s, su s bi itrt
Yf\f]Yj]d\[geemfa[Ylagfk>;!$`Yn]j]da]\mhgfYkkg[aYl]\\]n]dghe]flk
i wb srvis vi biitis. T r yrs ivv i t bi
yts syst its itrti wit t i wr its r i bt
rt it--s (POS) yts sust tt t rt wi
tiu t vv riy.
obi oy 011EgZadalqj]\]f]\
12
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13
SS NFC obi itrt
Pyt ty Prs-t-rsPrs-t-busissBusiss-t-rs
Prs-t-busissBusiss-t-busiss
Prs-t-rsPrs-t-busiss
Us s Dsti rittItrti rittBrss bi
Cttss yts\]fla[Ylagf%Yf\eYjc]laf_%rt srvis
I- ytsMbi wt trstis
Crtristis Pyt srvis r tub urb i vs rss-iustrybrti xtsi i ytsrvis
xs Sry yts (Rs,Aist)My trsr (M-PSA,y Oby)
Trsit yts (Mbi FiC,)
Mbi wt (Py, ,Strbus)
Pyt rvirs brs
Strt-usMbi rtrsMy trsr isst uturrs
Cr issursMbi rtrsst uturrsMrtsStrt-us
Wb srvis yrsStrt-usMbi rtrsMrts
Mbi rtr
rtiiti
i Miu w
Fiur 5: obi yt tcoois scrios11
11rst u ysis.
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obi oy 011EgZadalqj]\]f]\
14
Nwcors r rivi cSrt trti i wit r tur
-r rt is rui w wv ivti i
st yts. Fr POS yts, strt-us r rivi
sutis tt byss t r sts wit buit-i NFC
biity. Fr x, US-bs DviFiity s u
iP vr tt turs NFC-b ir Sur
Diit (irSD) r wi surts Viss PyWv srvi.
Mwi, bi iti FCs ius
turs tt w usrs t sit tir rsturt bis,
tivity tt ts 1.2 bii tis yr i t US.12
Otr ivtis t t vi v iu Sur, wiws srts t r r rrs usi t
t st. T sti r rr is iv wy
r r t itrst rtis 2.75 is vi
t rs rssi t rit r. By tis, tr r
vrius sutis tt rt t us ttss stirs
sts.
L`]jgd]g^[j]\al[Yj\akkm]jkj]eYafkma\Ykl`]qdggc
t bst t rts i vi rts r
iti vu- srvis. Wi rtiiti i NFC
tris, ty r s xri w rs ivvi
irSD rs. Mwi, r wb ty yrs
r s i r rtuitis i t yt rt,
Yf\Yj]daf_hYl]flk^gjegZad]hYqe]flk&=n]fhYqe]fl
rwr rvirs r tti ivv. VriF s
u srt r rr.
Rrss tir str riis, y yrs r
sitii tsvs r si usi t bi. Ti
tir ss r t -r rvuti, wts
t b t bi: s u s i-str si is
afm]f[]\Zql`]o]ZYf\l`]j]Yj]eYfq\a^^]j]flhdYq]jk
w wt t vr tis w ty ustr xri.
12Avi r I-Prs Cs t tri, Credit Union Times, 10 ury 2011.
Iovtios i obi yt:Bi Ntio
US strt-u Bi s rt stir
tt ustrs tt t tir stsr ttss yt. T srvi
rtrs wit bs , ruiy, srs rts Bi Nti rit
r is tt s is. Bi
s rtr wit yt tri
uturr Vri, wi ti-is witsi twri itrt yt
yrs r i t bst s rwt b s srvi. T 1.5
s rs vrby wit tyi
rit r issis.
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15
As iovtio icrss, so o rissAs srts bi itis sr, wii t
tis r bi yt xri, ty s rry wit
t t trt ru t itrity. I 2010, US bs
ut tir srt s tr it ws rv tt ty
str ut rs usrs sswrs t
i i txt.14
`ad]hggjdq[gf_mj]\Yhhkj]hj]k]flgf]k][mjalqakkm]$
t trt bi stwr wr is i r.
9dl`gm_`YeYjc]ldYf\k[Yh]g^n]k]hYjYl]egZad]
rti systs iit t sr wr, tr
is sti ty xity i t iustry. t sutis rri, su s rtti s r Ari, BBrry
Wiws Mbi s. wvr, bi ty
yrs s t ut t ustr, i r wt
t b ss by w s.
usrs ruir ssurs tt w srvis r usu
tt tir t is sur. Custr trsti istris
b rurs i w wys, s rt vrtisi yty
rrs, r x, but rtrs ty yrs
wi t trt ustr t wit r.
f]e]j_af_eYjc]lk$l`]jakchjgd]^gjegZad]egf]q
k]jna[]kak]pY[]jZYl]\Zql`]akkm]g^fYf[aYdaf[dmkagf&
T vibiity bi y t usrs witut buts u vrw t biity srvi rvirs
rutrs t rss sur rtti uty.
Mrvr, irs w yur ustr (C) ruirts
u it t rs t ustr
uisiti i t bi rt.Mbi-bs itis
Itrt-bs ty
Cttss/NFC ty
Surity/uttiti
Fru tti
Crit vuti/ris sssst
77
60
54
50
38
1
13b Trs i Pyt Systs, r Du, Dbr 200 (survy s 645 rrsti 4 utris).
14Bs Rus t Fix Surity Fws i Wirss As, Wall Street Journal, 5 Nvbr 2010.
Oi itis r s tyzi bi trstis.SMS-bs yts r bi us r ir-trstis
i i i: t ri st r virtu s
s tt i trsti s v b trt. At t
s ti, t is r ri bi yt
sutis r bi iti vrs.
I tis it, t ris isitriti r rtrs is
risi i wt is rti rt. Nvrtss,
i bi yrs r ri u tir s r NFC i
v rts. Or s u s t r ut
NFC-bs SIM rs t st its ur rtis by
t 2011, wi O2 U is s rri r us,
usi NFC t ust r yts but s ti-bsvrtists, s rt its rxiity rti t.
I ri rts, rtrs r rursi xisti
y trsr srvis it rs-t-busiss yts.
Fr x, i bt Mxi y, rts w
ustrs t y vi xisti bi ritt utiity.
I ts ss, t r r-ti tur SMS
Ustrutur Sutry Srvi Dt (USSD)-bs
y trsr b rurs r ustr-t-busiss
(C2B) yt.
Fiur 6: Forcst iortc o ob yt
tcoois13
Q. Wic tr yts tcoois wi xric
t rtst rowt i iortc i your coutry
gn]jl`]f]pln]q]Yjk7
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obi oy 011EgZadalqj]\]f]\
16
3.Irovit obi oy
cosystT iortc o sttbci
iv t irt titis, trsti
tivtis uiu ti
issus ivv, vrt surt
wi y vit r i stbisi w
bi yt s.
T Fr Miistry Iustry wr
ui t vrius NFC rts i2010. Fr T riv ui
r its MStiu rt, wi uss
bi s s r-r tits.
T Fr ti riwy s
riv ui r its Prxiits
srvi, wi turs sitii,
NFC RFID (ri ruy
a\]fla[Ylagf!l][`fgdg_qYkhYjlg^Y
r srvis r turis, trv
isb .
I Sir, rt wit str
tr rr ivti i ts, tr s b issu t bui
tiwi NFC bi yt
tr b by trust srvi
r. Att t t tr r
itts su s t r t
st t st ur irt yt
srvi rvirs 20 ts r
u si t rt
sb virt.
Ists irt ui
bui s rtis it NFCsrvis, si y tris s r
v b . T rt is s
ur by t ubi str, s
it is i ustr bi
ttss sutis. Artiuti
k]jna[]Z]f]lklg]f\mk]jkakYdkgYf
r wr vrt surt
ribiity.
Stt bi y r i
itivizi irt rts t
nYdm][`Yaf&_mj]kk`gol`Yl
ti yt by bit r sts rtir ur tis r t w
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17
ustrs us s.15 vrts
y v t rss su rt
rs trwis, t-u bi
yt u b ir i i bit
r ri ris r trst
it ri ttss yt
sutis.
Rtirs rtr itivs
surs w tys
rtti. I t US, Csurs Ui,ubisr Consumer Reports, s
t vrt t t
t ris ru. It s iit
t rt tur xisti
surs s sust tt
bi yt rvirs iv
vutry zr ibiity ssur t
surs witut s. I t
U, t vrt s b wri
wit bi rtrs r issurs
st uiis tt is t
rvt rii tivity i NFC. Ty
iu suri ttss yt
utis s r isb s
s s is rrt st r
klgd]f$hdmk]pljYd]n]dkg^n]ja[Ylagf
r trstis bv rti
ut.
I ri rts, vrss
vrt is s v r
t y, wit bt t Uit Stts
Ay r Itrti Dvt
(USAID) t U Drtt rItrti Dvt (DFID)
irty ui bi y rts
i rt yrs.
Lo-tr succssruirs rutorycrtity
My ry susss i bi y
trsr srvis v urr u t
bs ruti. Fr x,
ys M-PSA srvi ws surt
by rus ru t sttus
-bs rvii y trsr.
i rwr, ruti wi b y
iittr sussu trsiti t
w yt s, rvii rity
r srvi rvirs usrs.
wvr, r iy rs r
it by ti rutry
[gf[]jfk&>gddgoaf_l`]fYf[aYd[jakak$
rtr stbiity is irtiv r
bi rutrs, yt st-rwibi r ritts i
utris wit bi
irstrutur bris s i
trs ustr rtti
rutry vrsit. I tis it,
\]eYf\k^gj_j]Yl]jfYf[aYdklYZadalq
Yf\_j]Yl]jfYf[aYdaf[dmkagf[gmd\
wr ist tr.
T r ss t w bi
hYqe]fllggmjak`emklZ]ZYdYf[]\
ist surity r yt rvirs
usrs.
15vrt ust st bs vrri ss ustrs, Britis Rti Csrtiu, 15 u 2010.
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Fr x, t Priis r Ivtiv Fii Iusiissu by t 20 Fii Iusi xrts ru vt
tst r r. My utris r ti
sts t irv uiis ru -y. Ci s
vi rs tt t v t -y u rt
afYlagf\m]lgl`]af[j]Yk]\n]dg[alqg^ljYfkY[lagfk&Km[`
xity s rt irs rutry vrsit: t
vrt s bu by rusti -y riztis
t b ristr. wvr, sutis t tr issus, su s
w t wit t rsiu vu -y w t
itr it tivy, ri wrs i rrss.16
Gl`]jeYjc]lkYj]Ydkgjeaf_mhl`]aj]%egf]q_ma\]daf]k&
L`]H`adahhaf]koYkgf]g^l`]jkllg\gkg$dYqaf_\gofxiu ty iits xti t stiutis
its Ati-My uri (AM) w riy i 200.
I t U, M Trsury s issu sutti ut
w it su rut -y istitutis wt v
urts su y. rts i t U r tb
r t xiit itrst i rti t try bi
rtrs it t -y rt t rt
t vt w rs s yt utst -y
srvis.17 At t tr t stru r utris
su s Sut Ari, wr -y issu is rstrit t
bs y.
O y ts r rutrs wi b t y t rii rrtiity. Tis wu tt si-uti
ruts su s it ts wu b xt r t vs
vrsit ruir bs. -y wi uy t s
btw xti t u rutry bur
bs.
I tis it, rutry issus r iy t b x.
Fr x, ts rutrs usuy t tt
rtrs sur ti twrs r itrt,
but tis is t t s r yt systs rutrs.
Virtu urry rrsts uiu its
w. As virtu urry issurs w usrs t r it
wit tir-rty vrs r u s rti isrt, bi t rxy r r-wr y s
t rutry bur b xt t ris. Fr x,
t i riis virtu urry u s s r
sistit us ss u ttry bi ws.
Fiur : Rutory issus i obi oy srvics
T ro o strs i iovtio
iv tt sbiity is rui t suss i bi yts,
iustry-wi strs v y r t y. Pr-xisti
strs i t yts wr b rurs r
bi y MV-it stirs r bi s,
r x. I tr rs, su s bi ttss
yts, strs su s t Si Wir Prt (SWP)
rt ti rts by t bi iustry.
16Ctr Bs Ouy Wii ss t it tri y, Ci ur Itrti Busiss S, Stbr 200.
17tri My Dirtiv sutti, M Trsury, 21 Otbr 2010.
obi oy
rutory
issus
Sttus -y
-bs
Csurrtti
surity
Aiti ris-bs
rrtiity
Pyttr
itrrbiity
Rutryurisitis i
bi, yt ts
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1
Mbi yt ss r tyiy ti i r,but tr ris r t rit w yt
sutis t ri v. Fr x, t Assiti
ur Pyz Mbi (APM) ws st u i 2008 t
\]n]dgh=mjgh]%oa\]kh][a[Ylagfk^gj[gflY[ld]kkegZad]
yt. I Dbr 2010, Mstrr APM ubis
afl]jgh]jYZd]kh][a[Ylagfk^gjegZad]hYqe]fl$l`Yl[Yf
wr wit Mstrr PyPss ttss tris.
T SM Assiti s s y irtt r
i rivi w strs: it r ubis wit
l`]=mjgh]YfHYqe]flk;gmf[ad=H;! Yk`]dh]\\]f]
t rvisi i y t bs bi
ttss yt itis it sts.
Cross-borr courus
Crss-brr yts bi i-rt yts i
trs sts, vi surity. T U bivs t
st si us rss brrs rrsts 2-3 DP
tt tis b ut by bttr ruti. T Pyt
Srvis Dirtiv (PSD) s b stbis t rvi
si rwr r yt strs bitis,
rsuti i t Si ur Pyts Ar (SPA). As
rt tis, bi s r SPA-bs rit trsrs
r bi ssss, wi wu rtrs t sr
t ri ritt rt.
wvr, rrss s t b iss, wit utris
isuti t rutry ruirts t b is
gffgf%ZYfck$Yf\eYfqeakkaf_l`]jkl\]Y\daf]^gj
aehd]e]flYlagf&Km[`\akY_j]]e]flkk`gol`]\a^[mdla]k
i trsti ti yts rs it wrb
ri iy. At t s ti, sur rus r
r tt w U yt rus u ut usrs t
rtr ris ru.
Fiur 8: Pyt Srvics Dirctiv tii18
Fr bi rtrs, ustis ri but tir
hjgkh][lan]klYlmkmf\]jl`]HK
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20
Icrs cobortio witi btw sctors
Atu busiss s r yt srvis ri
ma\$l`]gn]jYddd]n]dg^[ggh]jYlagfZ]lo]]fl`]ZYfcaf_
tuitis strs is irsi. I Ci,
i s b stru btw 18 Cis bs, r
ssiti Ci UiPy, Ci T, Ci Ui
vi vrs, wit viw t rti si,
tr r bi yts. I t Ntrs, t t
tr rti bs v r it vtur y wit
t utrys tr bi twr wrs. Su i vs
rtiiti trst it wir vr bt bisubsribrs b ustrs, bsti t rssb
rt r bi yt.
v s, y rtrsis ri siv i tur, s
bs, rtrs r issurs ursu r sutis
us ss. t i rts wr bi y sutis
v s ri t-u, rtrs v y it
r rtrsi systs v rv rbust. I
, yrs r irt strs rt it vtur
t v bi yt srvis, wit NTT DCM
ivsti 73 t subsiiz t urs ttss
r rrs by rtr rtirs. I y, t us t
twrs y ivt r.
Mrt itivizti wi b y br r bittss yts. At rst, ss t 12 US
rts v POS rrs tt t ttss
yts, r x.1 i , t rti
r ur irstrutur ru ut ti
w rvu strs su b rtiut by yrs
ivv i t syst. Tis is rtiury tru r
issurs, w r trii bi yt sutis v
-sti rtisis wit rts.
Fr bi ttss sutis, surt r vi
uturrs is vit. I 2010, NFC-b sts
ut r y 60,000 sts wrwi ut
vr bii sits.20 Nvrtss, bu stsits r rit r 2011 wrs s y
srt uturrs strt surti t str.
1Mbi Pyts: t btt r t bi wt, Crit Suiss, 1 Nvbr 2010.
20Nr-Fi Cuitis: Pyi t, ABI Rsr vi Tt T, 7 Stbr 2010.
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obi oy 011EgZadalqj]\]f]\
21
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obi oy 011EgZadalqj]\]f]\
22
4.obi oy t ro
Mbi y wi riv t trsrti t
yts s, uti r rwi sr
-s yts i yrs t . T r bi
irstrutur u wit t srts wi
sur tt bi t r ustr s,
s ivti ts uti rts.
Ty ys r srti s yt sutis tt
ljYfk[]f\KEKYhh]Yjgh]jYlgjk`Yn]lg\]f]l`]Yj]Yk
wr ty vu, wtr irty t t usr r
s itriry swr i t vu i.
Fr bi yts t riz tir tti, iy-
rs v t t r sts. Fiitti srvi
itti itrrbiity s t b riz s
irt yt systs tiu t xist. Tis is
rtiury vit bus bis u sttus s bt
st- try yt .
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obi oy 011EgZadalqj]\]f]\
25
POS
Pit s rrs t t it t wi s srvisr riv i x r yt. T tr is s us
lg\]k[jaZ]kqkl]ekYf\]mahe]fll`Ylj][gj\fYf[aYd
trstis.
Remittance
Ritt i t brst ss rrs t yts
t rt riit. Ot ty rr t yts
btw utris, su s irt wrr si y
t rtivs i tr utry.
RFID
JY\ag^j]m]f[qa\]fla[Ylagfj]^]jklgYl][`fgdg_ql`Yl
uss tri ts vis wirss rrs s
trtiv t br i.
RF-SIM
Ri ruy-subsribr itity u is rritry
Cis wirss ty tt rvis srt-r
tivity wi b us s trtiv t
NFC. wvr, it rts t ruy wi s it
itib wit rti ttss yts systs.
SWP
Kaf_d]aj]Hjglg[gdj]^]jklgYkh][a[Ylagf^gjYkaf_d]%oaj]
ti btw t SIM r NFC i bi
. It ws iitiy rv s str i Otbr
2007.USSD
Ustrutur Sutry Srvi Dt rrs t
ty rt buit it t SM bi str tt
ws irti t b trsitt vi t twr
wi b us r vrity itis, iui
bi yt.
WAP
aj]d]kk9hhda[YlagfHjglg[gdakYfgh]fkh][a[Ylagf
tib wit st bi twr strs tt ws
siy rtt wb tt t b isy bi
st srs.
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rst usbi y ttsGob Tcouictios Ctr
Jonathan Dharmapalan
b Duty Tuitis r
+1 415 84 8787
t.ry.
Tim Wulgaert
Mbi My Dirtr, Brusss
+32 2 774 6256
ti.wurtb.y.
Gob Avisory Srvics
Pieter Verhees
b Tuitis Avisry Srvis
+31 88 40 78847
itr.vrs.y.
Gob Bi & Cit rts
Pierre Pilorge
b Avisry Srvis
+33 1 463 57
irr.irr.y.
Gob cooic Avisory
Mark Gregory
b Tuitis i Avisry r
+44 (0) 20 751 580
rryu.y.
Gob Rvu Assurc
Olivier Lemaire
b Tuitis Rvu Assur r
+352 42 124 8356ivir.iru.y.
Gob Tcouictios Rutory
Matt Corkery
b Tuitis Rutry r
+44 (0) 20 751 6121
rryu.y.
Abutrst us
EgZad]Egf]qG^[]
Mbi y ris t
egklka_fa[Yfllj]f\k^gjl`]
tuitis str t i
yrs. It is w ivri y w
Z]f]lk^gjmk]jkYjgmf\l`]ogjd\$Yf\
is si u t tuitis,
l][`fgdg_qYf\fYf[aYdk]jna[]k
iustris. A tis is st t tiu.
=jfklQgmf_kEgZad]Egf]qG^[]\jYok
lg_]l`]jgmjjek]ph]ja]f[]afl`ak
]d\&gjcaf_oal`[da]flk$gmjogjd\oa\]
t rssis is rvii vi
surt strty i,
rtis rr, ruti,
i ru, IT ris
eYfY_]e]fl$lYpYf\gl`]jfYf[aYd
ssur.
www.y./tuitis
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Vincent de La Bachelerie
b Tuitis r
vit...brir.y.
Jonathan Dharmapalan
b Duty Tuitis r
t.ry.
Marc Chaya
b Tuitis Mrts r
r.yr.y.
Adrian Baschnonga
b Tuitis Sir Ayst
bsu.y.
Steve Lo
b Tuitis Ctr Bii
stv..y.
Holger Forst
b Tuitis Ctr C
r.rst.y.
Prashant Singhal
b Tuitis Ctr Di
rst.sii.y.
Serge Thiemele
b Tuitis Ctr sbur
sr.tii.y.
Wasim Khan
b Tuitis Ctr Riy
wsi.s.y.
Mike Stoltzb Tuitis Ctr S Ati
i.sttzy.
b TuitisCtr tts
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rst u
Assur | Tx | Trstis | Avisry
About rst & ou
rst u is b r i ssur, tx,
trsti visry srvis. Wrwi,
ur 141,000 r uit by ur sr
vus uwvri itt t uity.
W ir by i ur , ur
its ur wir uitis iv tir
tti.
rst u rrs t t b rizti
br irs rst u b iit,
wi is srt tity.
rst u b iit, U y
iit by urt, s t rvi srvis
t its. Fr r irti but ur
rizti, s visit www.y..
2011 M iit.
A Rits Rsrv.
. F0088
Tis ubiti tis irti i sury r is
trr it r r ui y. It is t it t
b substitut r ti rsr r t xris rssi
ut. Nitr M iit r y tr br t
b rst u rizti t y rssibiity r
ss si t y rs ti r rrii r ti s
rsut y tri i tis ubiti. O y sii ttr,
rr su b t t rrit visr.