mobiliser

Transcription

mobiliser

Congreso Dinero Móvil LATAM
Adrián Chávez Batta
Agosto 22, 2012
Datos relevantes - Dinero
Móvil
Economía Móvil
La evolución de la economía móvil está en un punto de inflexión
Dispositivos Móviles son primordiales para
las plataformas de comunicaciones y
transacciones
Monetization
Mobile
Commerce
El Móvil reemplaza a
la PC para
necesidades
bancarias,
empezando
temprano, en 1990 y
acelerando hacia el
2000
El Móvil reemplaza a
la PC para compras
productos y servicios
Mobile
Payments
Mobile
Banking
1990
© 2011 SAP AG. All rights reserved.
2000
2010
2020
Public
3
LO QUE HACEMOS CON NUESTRO móvil ha
Evolucionado Dramáticamente
APLICACIONES
COMPRAS
PAGOS
BANCA
10 Billones+
Applicaciones
descargadas al día de
hoy
400 Millones+
usuarios de
mCommerce a nivel
mundial el día de hoy
Pagos Remotos
digitales para
productos y servicios
hoy suman $167B en
2010, y se predice que
aumentará hasta
$633B para 2014
En Mercados
desarrollados el 17%
de la gente con cuenta
bancaria utilizará
banca móvil para el
2015
Public
4
El Teléfono Móvil es una tienda portátil
Provee información inmediata al cliente
“En temporada de compras y ofertas, ¿que harías con
tu teléfono móvil?
Public
5
Lo que es posible hacer el día de hoy…
Buys rail pass on the way to the
station, avoiding lines at ticket
counter
Gets a soda from a vending
machine at the station
Gets email invitation to visit friends
out of state. Buys plane ticket on
mobile phone
Goes to meet a client and pays for
parking using mobile phone
Leaves meeting and looks up
directions to nearest gas station
Fills car with gas on the way back to
the office. Pays by phone
Orders lunch for the whole office and
pays via mobile phone. Colleagues
contribute phone to phone
Buys insured theater tickets for the
following week, knowing money will be
refunded in the event of illness
Remembers anniversary. Orders gift via
phone and has delivered to office
Decides to take a cab to next meeting, but
first buys cappuccino at m-payment
coffee shop. Pays for cab with mobile
phone
Invites clients to dinner at m-payment
enabled restaurant
Pays for client cab back to hotel with
mobile phone
Public
6
¿QUE ES POSIBLE HACER HOY?
A day in the life…
Buys rail pass on the way to the
station, avoiding lines at ticket
counter
Gets a soda from a vending
machine at the station
Gets email invitation to visit
friends out of state. Buys plane
ticket on mobile phone
Goes to meet a client and pays for
parking using mobile phone
Leaves meeting and looks up
directions to nearest gas station
Fills car with gas on the way back
to the office. Pays by phone
7 – Company
Confidential
– August
27, 2012 –M1- (long)
© 2011 SAP
AG. All rights
reserved.
Orders lunch for the whole office and
pays via mobile phone. Colleagues
contribute phone to phone
Buys insured theater tickets for the
following week, knowing money will be
refunded in the event of illness
Remembers anniversary. Orders gift via
phone and has delivered to office
Decides to take a cab to next meeting,
but first buys cappuccino at m-payment
coffee shop. Pays for cab with mobile
phone
Invites clients to dinner at m-payment
enabled restaurant
Pays for client cab back to hotel with
mobile phone
Public
7
MCOMMERCE AÑADE VALOR A TODO S
LOS JUGADORES EN EL ECOSISTEMA
… PERO EXISTEN BARRERAS DE COOPERACION.
Consumidores
Bancos y Tarjetas de Credito
• Ahorra tiempo, es conveniente
• Elimina cargar efectivo
• Una sola interfaz para diferentes
pagos
• Seguridad
• Programas de Lealtad
•
•
•
•
Beneficios:
Alcanzar nuevos mercados
Incrementa transacciones
Reduce costos
Ayuda a evitar fraude y
compliance
• Construye lealtad y
posicionamiento con el cliente
Lealtad
Cooperación
Comercios
• Ganan ingresos por:
– Procesamiento rápido
– Gasto incremental
– Cupones móviles
• Reducen la necesidad del efectivo
• Incrementa lealtad al comercio
$
Adopción de Tecnología
Economía
Operadores Móviles
• Relación más estrecha con el
cliente
• Ganan ingresos por la
transaccionalidad
• Incrementar y aprovechar el
uso de la red e infraestructura
Los nuevos modelos de negocio requieren una descripción clara de los roles y responsabilidades
8 – Company
Confidential
– August
27, 2012 –M1- (long)
© 2011 SAP
AG. All rights
reserved.
Public
8
MCOMMERCE EVOLUCIONÓ Y SE
EXPANDIÓ
La Convergencia está ocurriendo a través de todo el espectro mientras
los jugadores se mueven entre mobile banking y mobile marketing
Mobile Commerce
Mobile Financial Services
Mobile CRM
El camino de las IFs/Operadores
El camino para el sector empresarial
9 – Company
Confidential
– August
27, 2012 –M1- (long)
© 2011 SAP
AG. All rights
reserved.
Public
9
SAP in Financial Services
SAP SOLUTIONS IN FINANCIAL SERVICES
SAP Solutions in the Financial Services
Industry
Data
Management
Online
Banking
 Powers
 70+
 Hundreds
 Web-based
over 50%
of Wall Street
trades
of
Banking, Capital
Markets and
Insurance
customers
banks using
Financial Fusion
Banking Solution
Consumer
Banking solution
 Web-based
Small
Business
Banking Solution
 Web-based
Corporate
Solution
Mobile
Messaging
 Global
leader in SMS
and MMS messaging
 850+
operator
connections; 300 2way connections
 Enterprise-class
global infrastructure
and support
Mobile
Commerce
 Mobile
banking –
multi channel:
SMS, WAP, Client
based
 Security-2
Factor
Authentication
 Marketing
promotion
– Cross
 Mobile
Payments
 Mobile
Remittances
Public
11
SAP Líder en mCommerce
mCommerce
End-toEnd
Solution
mBanking
mPayments
Customer
Success
Business Consulting
Support for all Mobile Channels
Integrated Mobile Marketing
Embedded Business Intelligence
Global
Reach
Interoperability
Global Messaging
Global Data Roaming
mRemittance
Public
12
LA TRANSICIÓN…
Las 4 estaciones:
Technology
Choices
Functional
Capabilities
Address the
Mobile Channel
The New Return:
Cost savings
from Mobile
The New
Growth:
Innovative fee
based services
The New Value:
Mobile Financial
services
• Alerts,
Notifications
& Marketing
push SMS
• Simple
interactive
mBanking
• Balance
• Statements
• Value add
interactive
mBanking
• Funds
transfer
• Bill Pay
• 2FA
• Panic Pay
• mPayments
• MacroPayments
• P2P
• Remittance
• NFC
• Top-Ups
• Messaging
services
• Alerts
Engine
• Silo
platforms for
SMS, WAP
and Rich
Client
• Unified
platform
• mBanking
Platform for
quick launch
of innovative
services
• mCommerce
Platform
• Mobile
Wallet
1
13 – ©
Company
Confidential
– August
27, 2012 –M1- (long)
2011 SAP
AG. All rights
reserved.
2
3
4
Public
13
Principio a Fin: La Necesidad de integrar una solución
de mCommerce
Evolución de los requerimientos
mBanking
•
•
•
•
•
•
•
Account balances
Transaction History
Account details
Card Management
PIN Management
Complaints Management
Notifications/alerts to
receive account activity or
threshold alerts
• User preferences such as
languages or limits
Cost Savings
mPayments and
mTopUp
• Wallet management with
multiple sources of funds
• TopUp of any prepaid
phone directly or via
vouchers
• Remote and proximity
enabled purchases at any
merchant acceptance
point
• Money Transfer to known
or unknown consumers
• Bill payments and
• Loans repayments
New Services
mRemittance
mRemittance
• Manage a Friends-andFamily-Lists
• Buy a remittance voucher
online, at an agent or in
any retail location,
• Money transfer from an
agent, a wallet or account
• Remittance to an agent, a
wallet or into an account
• ATM cash-outs w/o a card
• Airtime Transfer across
borders.
New Value
Public
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Estrategia de servicios de mCommerce
Hacia dónde va el mercado y la estrategia?
VALUE
HIGH
SERVICE AND VALUE OVER TIME
• Multi-channel
• Integration with existing
systems
• Transformative solutions
mRemittance
↑ Increase Margins
↑ Increase Stickiness
↑ Multiple Revenue Channels
mPayments
• Single channel
• Niche market
• “Real Estate” model
mTop-up
Bulk Msg
Transport
LOW
Traditional
SMS
mBanking
SIMPLE
RICH
SERVICE EVOLUTION
Public
15
MOBILISER
MOBILE
IVR
SERVER
to create
and
manage
mobile
services
for IVR
Agents
Web
IVR
BRAND
MOBILISER
SMARTPHONE
MOBILISER
to create and manage mobile
services for SMS, USSD and
Mobile Internet based on one
content definition
to create and
manage rich user
interfaces
Smartphones and
Mobile Internet
services
SMS
USSD
WAP/
WAP/
Downl.
XHTML Mobile@ Clients
MOBILE
STK
SERVER
to create
and
mana-ge
mobile
services
for SimToolKit
(STK)
appl
STK
POS
ATM
Mobile User Interfaces
Mobile Banking
Mobile Payments
Mobile Money
- MOBILISER PLATFORM -INTERFACE MOBILISER–
Channel Connectors
- DATA MOBILISER –
Business Intelligence
EFT Channel Switching (per Bank or Central)
Core Banking
System 1
Card Issuing
Systems
MNO Charging
Systems
Credit Card
Systems
OTA
Platforms
Public
16
Canales soportados de cara al cliente final:
mBanking 365
SMS / Text / USSD
–
Messaging commands (PAY BILL, BAL,STOP, etc.)
–
Outbound Actionable Alerts (Overdraft, security, account event)
•
Mobile Browser (aka WAP)
–
SSL connectivity
–
Optimized banking workflows
–
Device detection and screen rendering, templates for simple screen,
large screen, iPhone, and Android.
•
Java application & Android
–
Secure application downloaded to the phone
–
Manages phone provisioning and client updates
•
iPhone / iPad Application
–
Retail functions – Balance, Transfers, Bill Payments, Stop Payments
–
Corporate functions – Above plus Wire release, Positive Pay decisions,
ACH decisions, Optimized IR
User Experience
•
Simple
Rich
Public
17
Canal SMS
Funcionalidades SMS
Out of box commands supported:
•
Localizar Cajeros Automáticos
From: SYBANK
Description: Check Deposit
Amount: $1,200.45
Balance: $6,200.45
•
Saldos en Cuentas
Description: Harbor ATM
Amount: ($200)
Balance: $6,000.45
•
Registro al servicio
•
Información de Producto
From: 82021
Amount: $1,200.45
Balance: $6,200.45
•
Transferencia de Fondos ¿?
Description: Harbour ATM
Amount: ($200)
Balance: $6,000.45
•
Tipo de Cambio
•
Pago de Servicios ¿?
•
Ayuda
•
Bloqueo de la cuenta,
Funcionalidades adicionales fácilmente
integradas de acuerdo a la legislación y
requerimientos del cliente
Public
18
CITIBANK ASIA: SMS ALERTS FOR PULL AND PUSH
INFORMATION
Example: Consumers can manage alerts and pull information via SMS
Public
19
CITIBANK US: INTELLIGENT SMS INTERFACE TO
PROCESS NATURAL LANGUAGE REQUESTS
Example: Consumers can send SMS with natural language envoking dynamic
menus
Customer requests a
statement, without
specifying which
account.
To: 82021
Statement please
To: 82021
Please provide a value for
statement account:
1. Checking
2. Savings
3. Credit Card
4. Line of Credit
To: 82021
Two way question
and answer conversation to ensure
the customer gets
the information he
wants.
1
From: 82021
Amount: $1,200.45
Balance: $6,200.45
Description: Harbour ATM
Amount: ($200)
Balance: $6,000.45
Public
20
mBanking en iPhone - Retail Client
•
Agrega funcionalidades gracias
al iOS como la búsqueda de ATM
•
Añade el contacto directo con el
banco por email o por teléfono
•
Saldos, movimientos en línea
•
Transferencias inmediatas
•
Pagos de Servicios
•
Comunicación con el cliente
mediante mensajes
•
Etc.
Public
21
COMPASS BANK: FULL mBANKING APPLICATION AS
AN EXTENSION OF AN eBANKING PLATFORM
Example: Consumers can select between a standard and a premium mBanking
Package
Requirements
Multi channel platform starting
with SMS and evolving to WAP
and Rich client solutions for
Retail Banking channel
Solution
Chose Sybase mBanking 365
platform – integrated to
existing e banking platform
Launched with SMS in 2008 –
generating over 5 SMS
interactions per user per month
WAP/Rich Client solutions are
now being added without
further backend integration
Public
22
CIBC, CANADA: MOBILE INTERNET AND iPHONE
BANKING – NO. 1 APP IN CANADA
Example: Consumers downloads Apps from iTunes
Public
23
mBanking en iPad- Corporate Client
•
Login para equipos registrados
•
Alertas y Mensajes
•
Detalle de la cuenta en la pantalla
principal
•
Historial de transacciones
•
Transferencias en tiempo real
•
Ubicación de sucursales
•
FAQ
Funcionalidades del Corporate incluyen:
–
ACH y Aprobaciones de
transferencias
–
Posiciones Intradays
–
Conversión de tipos de cambio
–
Etc.
Aprovecha las ventajas del UI de la Tablet &
funcionalidades de la aplicación
Public
24
Cash 2 Mobile
Entrega y recolección de efectivo tradicional
2. Deliver Goods
1. Dispatch
3. Collect cash
6. Submit
receivables
+ Cash
4. Sign receivables and hand cash
5. Hand cash over
7. Bank in
physical
Cash
Problemas:
Manejo de Efectivo y depósito por medio de Distribuidores manualmente y costoso
Manejo de Efectivo genera Fraudes y robos. Acarreo físico del efectivo.
Movimiento del efectivo no es en tiempo real
Las Instituciones Financieras no están involucradas en el proceso sino hasta el finaldoes not get
involved process till the final deposit into the bank by Distributors; not value-add by Banks
Public
26
Cash2Mobile – ¿Cómo funciona?
7. Settlement and clearing handled in the
backend
Configure and Setup in C2M
system
Configure and Setup in C2M
system
3. Request
Authorization
4. Send One-time
Authorization Code
6. Verify Onetime code
1. Dispatch
2. Deliver Goods
5. Provide One-time Authorization Code
Public
27
Ejemplo
John Doe
Coca Cola driver
John is a Coca Cola driver. He was recently trained
on the company’s new mobile payments system. The
system allows him to request payment at the point
of shipment.
Prior to the story, Coca Cola provisioned his phone
with the C2M application. He was trained on how to
use it. He also learned how to access this system
through a SMS mobile service or a dedicated
application on his handheld.
He is quite excited to use the new system.
His phone number has been assigned to a identifier:
123456
Mike Home
Small retail market owner
Mike is running a corner shops. He has been buying
from Coca Cola for a long time. He was told Coca
Cola started a new mobile payment system that
requests him to pay at the point of shipment rather
than settling with cash.
He is pretty nervous about the new system because
he is not familiar with using his mobile phone for
payments.
Coca Cola said the only thing he needs to do is to
set up his account on a dedicated web site once,
and he’ll be ready to use it.
He has finished the account setup. He is ready and
waiting for the first shipment with the new mobile
payment system.
Let’s start!!
John is driving his truck. He is arriving at Mike’s retail market.
Settlement scenario
Distributor(Driver)
Distributor initiates payment thru mobile
device
Retailer authorizes the payment trough
mobile
Step0
1.
John delivered the goods.
Step1
2.
He initiates the payment through his mobile phone using SMS communication, i.e.
sending to shortcode: col 143 125 (143 is Retailer ID. Amount of transaction is 125
USD).
Retailer
Step2
>> Cash2Mobile backend process the transaction, and send Mike an SMS.
2.
He receives to his mobile phone payment details and checks if the information is correct.
Everything (amount and company name) is correct, so he proceeds to the next step. In the
details, there is a system generated One-time Code.
3.
He inform the One-time Code to John
Distributor initiates payment thru mobile
device
Retailer authorizes the payment trough
mobile
Settlement scenario
Distributor(Driver)
Screen 4-1
Step3
Received Message
4.
He enter the One-time code to an SMS, i.e. sending to
shortcode: code xxxxxxxx.
Thank s. The payment was
successfully made.
INVOICE #: 102938
AMOUNT: $10,000.98
NAME: ANDRZEJ SUPE…
Distributor (Driver)
Retailer
Feb/16/2009 11:55:31 AM
Step5
John and Mike receive an SMS confirmation of settlement with the invoice
number, merchant or retailer name, and amount.
CASE STUDIES: mPAYMENTS
EMERGING MARKETS
Mobile phones delivered safe and stable payments in countries that have
highly developed mobile networks but lack widespread banking
infrastructure.
Maxis, Malaysia

Leading Malaysian Operator

Leveraging Mobiliser Technology as
mobile service delivery platform for
 M-Payment Frontend
 Short Code Aggregation
 Campaigning
 Subscription Management
Mobikash, Kenya
 Independent of Mobile Network Operators
 Linked to the Banks, MFI & SACCOs
 Remote Bank A/C Opening, Remote Bank Loan
Application, payments
 Scratch Card Based
 Focus on SME
 Street Agents- anywhere, anytime,
Celcom, Malaysia
Dutch-Bangla Bank (DBBL)

Increasing access to banking services in
Bangladesh, where only 13% of the
population have a bank account.

DBBL is introducing mBanking in two stages
1. Services for the unbanked cash-in/cash-out, P2P transfers, merchant
payments
2. Services for the banked –
Full banking service, mTopUp, intn’l remittance,
salary payment
 Largest Malaysian Mobile Network Operator
 Mobile Payment Proposition
with USSD interface including
TopUp, P2P, Remittance, Bill Payment
 Rolling out remittance solutions across the Axiata
Group
Public
31
MOBIKASH: USSD BASED PROPOSITION LEVERAGING
AN AGENT BASE
Public
32
ROYAL BANK OF CANADA: INTRODUCING STORED
VALUES ACCOUNTS TO ENABLE P2P PAYMENTS
Example: Subscribers can load funds into a stored value account from their
credit card or bank account and withdraw funds into their bank account
Depending on trx channel, amount and
payment instrument, various authentication
mechanisms can be customized, e.g.
• A trx < 10$ initiated via SMS does not
require further authentication (MSISDN is
verified)
• A trx < 10$ initiated online does require
username/password authentication
• Any trx > 10$ does require callback
authentication
Public
33
THE MOBILISER PLATFORM
OPEN SERVICE ORIENTED ARCHITECTURE –
Server Side
Technologies
Agents
Web
Client Side
Technologies
IVR
SMS
USSD
WAP/
WAP/
XHTML
Mobile@
Downl.
Clients
STK
POS
ATM
- BRAND MOBILISER Mobile User Interfaces
BANKING
MOBILISER
PAYMENT
MOBILISER
TOPUP
REMITTANCE
MOBILISER MOBILISER
- MOBILISER PLATFORM - DATA MOBILISER –
Business Intelligence
- CARD MOBILISER –
Channel Connectors
EFT Channel Switching (per Bank or Central)
Core Banking
System 1
Card Issuing
Systems
...
Credit Card
Systems
OTA
Platforms
Public
34
¡Gracias!
Contact information:
Adrián Chávez Batta
Account Director - LatAm
[email protected]
+1 786 266 6448

mobiliser

Transcription

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