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by: Arief Hamdani Gunawan
Agenda ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Pay-Buy-Mobile ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
UICC ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Pay-Buy-Mobile initiative ,[object Object],[object Object],[object Object]
Trusted Service Manager (TSM) ,[object Object],[object Object],[object Object]
Contactless smart card technology ,[object Object],[object Object],[object Object],[object Object],[object Object]
Mobile NFC ,[object Object],[object Object],[object Object],[object Object],[object Object]
NFC M-Payment services ,[object Object],[object Object],[object Object],[object Object]
Trial and Research ,[object Object],[object Object],[object Object],[object Object]
Trial and Research ,[object Object],[object Object],[object Object],[object Object]
Pay-Buy-Mobile customer experience
Pay-Buy-Mobile customer experience ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
POS ,[object Object],[object Object],[object Object],[object Object]
UICC Solution (1/2) ,[object Object],[object Object],[object Object],[object Object],[object Object]
UICC Solution (2/2) ,[object Object],[object Object],[object Object],[object Object]
UICC Security Domains ,[object Object],[object Object],[object Object],[object Object],[object Object]
UICC Security Domains
Issuer Security Domain (ISD) ,[object Object],[object Object],[object Object]
Customer offering ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Business drivers (1/3) ,[object Object],[object Object],[object Object],[object Object],[object Object]
Business drivers (2/3) ,[object Object],[object Object],[object Object],[object Object],[object Object]
Business drivers (3/3) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Creation of New Pay-Buy-Mobile value
Key success factors (1/3) ,[object Object],[object Object],[object Object],[object Object]
Key success factors (2/3) ,[object Object],[object Object],[object Object]
Key success factors (3/3) ,[object Object],[object Object],[object Object],[object Object]
Roadmap (1/2) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Roadmap (2/2) ,[object Object],[object Object]
Technical Ecosystem
(Business) Ecosystem ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Existing credit card ecosystem
Pay-Buy-Mobile ecosystem
Customer ,[object Object],[object Object],[object Object]
Merchant ,[object Object],[object Object],[object Object]
Acquirer ,[object Object],[object Object],[object Object]
Card Issuing Bank ,[object Object],[object Object],[object Object]
Payment solutions company ,[object Object],[object Object],[object Object]
Mobile Network Operator ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Trusted Service Manager ,[object Object],[object Object],[object Object]
Terminal/Reader Manufacturer ,[object Object],[object Object]
UICC Manufacturer ,[object Object],[object Object],[object Object],[object Object],[object Object]
IC chip manufacturer ,[object Object],[object Object],[object Object],[object Object]
Mobile Handset Manufacturer ,[object Object],[object Object],[object Object]
NFC chip manufacturer ,[object Object]
Japan: NTT Docomo Osaifu Keitai ,[object Object],[object Object],[object Object]
Pay-Buy-Mobile value chain
Pay-Buy-Mobile Business Models ,[object Object],[object Object]
Positioning of the TSM
TSM business models ,[object Object],[object Object],[object Object],[object Object],[object Object]
MNO-centric model ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MNO-centric model
Independent Entity Model ,[object Object],[object Object],[object Object],[object Object],[object Object]
Independent Entity Model
CIB-Centric Model ,[object Object],[object Object],[object Object],[object Object]
CIB-Centric Model
Combination Model ,[object Object],[object Object],[object Object]
Combination Model
Agenda ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mobile NFC Technical Guidelines ,[object Object],[object Object],[object Object],[object Object],[object Object]
UICC to NFC Chip Interface (Host Controller Interface [HCI]) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Selection of the secure element  in a multiple SE architecture Security Domain  On card entity providing support for the control, security and communication requirement of an off-card entity, supporting services such as key handling, encryption, decryption, digital signature generation and verification for their provider’s application.
Selection of the secure element  in a multiple SE architecture
Selection of the secure element  in a multiple SE architecture
UICC Run-Time Environment: UICC Environment (1/2) ,[object Object],[object Object],[object Object],[object Object]
UICC Run-Time Environment: UICC Environment (2/2) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
UICC Run-Time Environment: Java Card Application Programmer Interface (API) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
UICC environment
UICC environment
UICC Architecture
Mobile NFC device architecture overview
Over-the-air programming (OTA) ,[object Object],[object Object]
Reference OTA Provisioning Architecture
Initialization Sequence Diagram
OTA NFC Service Delivery
Roles description ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
OTA Functional Separation
The 4 Cases ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mobile NFC Device Architecture ,[object Object],[object Object]
Mobile NFC Device Architecture ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
Agenda ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Introduction to the Remittance Market: Background (1/2) ,[object Object],[object Object],[object Object]
Top recipients of migrant remittances among developing countries in 2008 (US$ billion, 2008e)
Background (2/2) ,[object Object],[object Object]
Remittance flows to developing countries
Outlook for remittance flows for 2009-11
Market Size ,[object Object],[object Object],[object Object]
Global remittances  exceeded $338 billion in 2008,  fell to $317 billion in 2009
Remittances as a Proportion of GDP ,[object Object]
Top 20 Remittance-Receiving Countries,  2008 (US$ Million)
Top 20 Remittances as a share of GDP Countries, 2008 (US$ Million)
Top 20 Remittance-Sending Countries,  2008 (US$ Million)
To Move Money Using Mobile Money ,[object Object],[object Object],[object Object]
Global Migration ,[object Object],[object Object],[object Object]
[object Object]
Current Market Players ,[object Object],[object Object]
Cross-Border Payments by Type * The most recent year for which comprehensive data was available Source : Boston Consulting Group (BCG),  Preparing for the Endgame.  Figures for 2011 are projections. BCG defines payments as non-cash transactions, i.e., payments not involving a face-to-face exchange of cash. 2003 2009
Estimated Market Share  of International Person-to-Person Transfer Providers,  2003 (by number of transactions processed) Sources:  Ratha, “Workers’ Remittances,” First Data, SEC Form 10-K; MoneyGram, SEC Form 10; Bezard,  Global Money Transfers ; Great Hill Partners, “Great Hill Partners Form GMT Group;” private estimates of Gera Voorrips and Hans Boon, ING Postbank; authors’ estimates.
 
Current Market Challenges ,[object Object],[object Object],[object Object],[object Object],[object Object]
Top factors that influence the choice of provider Source: DFID/BME Remittance Survey (UK), July 2006
Access ,[object Object],[object Object],[object Object],[object Object]
Cost (1/2) ,[object Object],[object Object],[object Object]
Cost (2/2) ,[object Object]
Transfer Cost  to Some Leading Recipient Countries (per cent of amount sent; countries ordered by total remittance inflows) Sources: Western Union, Women’s World Banking, and IMF staff calculations
The most and least costly "country corridors": (Country Corridors & Average cost in US$) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Cost includes the transaction fee and exchange rate margin. Only those corridors where all the necessary information was provided are featured. Corridor averages are unweighted and do not reflect the market shares of the different firms that compose the average.
Charges to send $200 to selected countries Sources:  Worker Remittances – An International Comparison,  Menuel Orozcp, Inter-American Dialogue, 2003
Remitting from Singapore to Indonesia     12.00   Total Average     10.00   Post office Average     10.88   MTO Average     17.50   Bank Average Apr 08, 2008 Next day. However, money can only be sent to branches of Mandiri Bank 25.00 Bank Bank Mandiri Apr 08, 2008 1-2 working days 15.00 MTO GPL Remittance Apr 08, 2008 15 minutes 12.00 MTO Western Union Apr 08, 2008 1-5 days 10.00 MTO Brunphil Express Apr 08, 2008 Same day to branches of BNI in Indonesia; 5 days to all other banks 10.00 Bank BNI (Bank Negara Indonesia) Apr 08, 2008 1-3 working days 10.00 MTO One Stop Remittance Apr 08, 2008 Next day 10.00 Post office Singapore Post (Cashome) Apr 08, 2008 Next day 10.00 MTO BTI Money Transfer Apr 08, 2008 10 minutes 10.00 MTO Ameer Tech (MG) - cash Apr 08, 2008 10 minutes 10.00 MTO Ameer Tech (MG) - account Apr 08, 2008 Next day 10.00 MTO MoneyWorld Date Transfer speed Fee (SGD) Firm type Firm name
The Role of Mobile in Money Transfer ,[object Object],[object Object],[object Object],[object Object]
Pakistan ,[object Object],[object Object],[object Object]
Mobile Operator ,[object Object],[object Object],[object Object],[object Object]
The Philippines
Malaysia: Maxis launch of Fast Tap Service April 9, 2009
Extending the Remittance Model to Include Mobile ,[object Object],[object Object]
Interoperability and Market Momentum: Individual MNO Subscriber Penetration The remittance model must therefore be extended to enable international remittances over mobile in a scalable and sustainable manner and to allow cost effective low denomination remittances – an entirely new market not served today.
Market Benefits of Mobile Money Transfer ,[object Object],[object Object],[object Object]
Forecasting ,[object Object],[object Object],[object Object]
The Opportunity for Mobile Operators ,[object Object]
Value to The Operator ,[object Object],[object Object],[object Object]
Benefits to Mobile Operators ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Value Proposition for Financial Institutions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What Each Party Brings
Mobile Money Transfer  as a Mobile Financial Services Market Catalyst: Mobile Money Transfer, Mobile Payments and Mobile Banking ,[object Object],[object Object],[object Object]
Structure of the Mobile Financial Service Market
Catalyst ,[object Object],[object Object],[object Object]
Pakistan as an Example ,[object Object],[object Object],[object Object]
Important Elements for Success ,[object Object],[object Object],[object Object]
Combining m-wallet uses successfully to match consumer behavior
[object Object]
Operator Working Group ,[object Object]
Agenda ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Steering Committee Members
Working Group Members
Software for Trusted Servicer Managers (TSM)
 
Malaysia:  FastTap Service Provision Overview
NOKIA NFC Portfolio
Mobile Technology Options
Example: Customer View USSD Model
M-Money – Driven by Payments and Banking
Payments, Transfers and Transactions
A mobile wallet for loyalty cards
A mobile wallet for loyalty cards
A mobile wallet for loyalty cards
A mobile wallet for loyalty cards
A mobile wallet for loyalty cards
Thank You [email_address]

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