The document discusses operator-bank relationships in mobile money and how activities in the mobile money value chain can be allocated between operators and banks. It notes that operators and banks bring complementary assets and capabilities to mobile money. Finally, it indicates that the document will provide key takeaways from research on this topic.
2. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
3. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
4. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
7. Each activity in the mobile money value chain can be allocated to an operator or a bank Float holding Support activities License acquisition, regulatory engagement, and compliance Product and business development Marketing Agent network management Technology Customer care Branding Liquidity management (superagency) Transactional platform Communications Access to the handset Primary activities
Notas del editor
Note that this value chain can be owned/coordinated by either the bank or a operator or a third party
Example: what if your bank partner has 11,000 rural branches?Example: many many examples of this in the world... Makes it harder for the CB and the bank to manage risksNo exampleEasypaisavsSafaricom
