Mobile-Money & Economic DevelopmentPDF) Dan... · and Brasil examples vs. Bangladesh Mobile-Money &...

4/9/2010

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Copyright © 2010 iWorldServices. All Rights Reserved.

Mobile-Money &

Economic Development

Dan Jensen

iWorldServices

Mobile-Money & Econmic Development o Copyright © 2010 iWorldServices. All Rights Reserved.

iWorldServices' Objectives

Develop/deploy internet based,

open source communications

platforms, products & services

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Develop/deploy internet ...


Directly and indirectly target small

business, low income & rural

market segments



Develop/deploy internet...


Directly and indirectly target small

business, low income & rural

market segments

Provide services that fosters

social entrepreneurship in

developing countries

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Agenda

Business

The Market

Social Impact

Trends

Initiatives


Business Description

Emerging Markets

International / Intra-national VoIP Service

Segments-Current focus Callshops

Internet cafes

Tele-centers

Segments-Future focus Small Business

Community Centers

“Virtual Callshops” (Mobile Platforms)

Lowest income strata(Base of the Pyramid, BoP)

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Revenues: Twelve

million annual

revenue ($12,000,000)In two & a half years



Geographic Markets (Priorities)

Middle East

Africa

Latin America

Asia

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How We Do It

VoIP (softswitch) equipment in San Jose and UK that uses open source software at its core

Integrated software engine (Control Panel) to create and manage accounts, deposits, credit, pricing and measurement Customer side

iWorldServices side

International sales and support organization operating “on-line”

Web based marketing and customer management

Terminating agreements with dozens of global and regional carriers

Collection and short term credit granting process


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Agenda


The Market

Market Size

Competitors & Competitive Issues

Target Customers


The Market

International Long Distance Services

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The Market

… Will Fuel and Accelerate the Anticipated Explosive Growth of VoIP Based

Communications Services in Emerging Markets Worldwide


The Market

Emerging Market Countries

Inbound Traffic by Sub-Region 2007

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Competitors & Competitive Issues

International Traffic

Total 365 billion minutes Total 416 billion minutes


The Market

Market Size

Target Customers (Characteristics)

Migrant workers (& Families)

No credit cards

No computers

No wireless devices

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The Market

Market Size

Target Customers

Migrant workers (Type/Location)

Construction or oil field workers

Domestic help

India, Pakistan, Bangladesh, Sri Lanka,

Nepal, Egypt, Philippines, Chad, Sudan,

Niger


The Market

Market Size

Target Customers

Migrant workers

Host Countries

Oil or other natural resource rich states

Tourist industry states

Governments and businesses investing in

heavy construction

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The Market, Base of the Pyramid

A huge market at the Base of the Pyramid

(BoP) will fuel and accelerate the

anticipated explosive growth of VoIP based

communications services in emerging

markets worldwide

A Huge, Growing, Untapped Market


Bottom of the Pyramid

The Market: Base of the Pyramid

<$1,500

$1,500

$1,500 - $20,000

Purchasing Power US$ Global Population(millions)

> $20,000 75-100

4,000}

1,500 - 1,750

4

3

2

1

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Bottom of the Pyramid

The Market: Base of the Pyramid

Huge Market

at the Base of

the Pyramid …post-paid

pre-paid

1.3 b

$1/day

1.4 b

$4/day

1.5 b

$4 - $40/day

.8 b

< $40 day

microfinance

shared phones


Agenda


The Market

Social Impact

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Social/Economic Impact

Affordable Communications

Services to BoP (Voice / Internet)

Income, employment & quality of life

benefits

Strengthen community connections

Much discussion about how to sell

products and services to the BoP –

we are doing it!


Agenda


The Market

Social Impact

Trends and Future Focus

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Trends

Traditional landline service is being replaced by Cell Phones and VoIP

Mobile smart-phone “callshop” platform growth VoIP calling through “Dial UP” and 3G leaky pipes

i.e. international calling on cell phones is migrating to VoIP

Wi-Fi distribution and transport

Micro-financing growth and the emergence of “Minutes as money”

Social Capitalism

Inexorable, if uneven, communications deregulation in emerging markets – Qatar, India and Brasil examples vs. Bangladesh


Future Focus

Provide sources of income to BoP segments and the

enterprises/communities/institutions that serve them so that

their communications requirements will eventually be self

sustainable – need more robust distributors and products

Develop “VoIP Reseller in a Box” - develop new

distributors

Develop “Virtual Callshop” / micro tele-centers in a Box

Develop “Small Business Incubator in a Box” – new web

communications based businesses

Micro-financing for start-up – Partner with Medium sized

local bank

Leverage distribution, banking relationship, Control

Panel, smart phone platforms and calling card network to

provide VoIP and m-money services

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VoIP/mFinance / M-Money

(Concept)• Target segment of pre-qualified micro-financing candidates

– “Retail” presence

– Good credit

– Entrepreneurial

• Develop communications offers appropriate to the entrepreneur's profile

– Packages (May sell more than one)

• Callshop Booth “Kit”

• Mobile Phone Dialer Kit

• “Calling Card” / Off Site Usage “Kit” ---PC dialer, Premise ATA, Call Back Number

– Management Software (or analog work around)

– Working Capital financing from Banking Partner

• Deposit for minutes

• Hardware purchases if necessary (Devices, PC, etc.)

• Follow up with “mobile money” offer/application

– Activate “Calling Cards” to accept mobile money (no effort)

– Develop software to allow reverse transactions on calling cards from “anywhere”

– Develop with Bank Partner a branch network where the “reverse transactions” can occur

– Follow on application would allow expending minutes for goods within the “calling card community”

• Allow flows between calling card accounts

• Enables account issuers to transfer minutes to their own account and then


Dan Jensen

1600 Shattuck Ave. Suite 106

Berkeley, CA 94709

USA

phone: +1 510 495-6110

facimile: +1 510 845-5088

mobile: +1 425 330-3599

e-mail: [email protected]

web: www.iworldservices.com

Contact Information

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Dan Jensen

Executive VPVP of Internet Applications Services at

GTE/Verizon; VP of Marketing at Talk Free

Product Management and Network

Planning VP at GTE; Senior positions in

voice and data communications services

President of Dare Technologies (China);

developed new international market

opportunities for high-tech products

Mobile-Money & Economic DevelopmentPDF) Dan... · and Brasil examples vs. Bangladesh Mobile-Money &...

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