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世界のモバイルオペレーター:ペイメント・バンキング・保険・アシストサービスにおける戦略

Global Mobile Operators: Strategies in Payments, Banking, Insurance and Assistance

発行 Finaccord Ltd. 商品コード 247389
出版日 ページ情報 英文 404 Pages
納期: 即日から翌営業日
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本日の銀行送金レート: 1GBP=147.80円で換算しております。
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世界のモバイルオペレーター:ペイメント・バンキング・保険・アシストサービスにおける戦略 Global Mobile Operators: Strategies in Payments, Banking, Insurance and Assistance
出版日: 2015年03月01日 ページ情報: 英文 404 Pages
概要

当レポートでは、世界92カ国のモバイルオペレーター286ブランドにおけるペイメント・バンキング・保険・アシストサービス活動および戦略的提携に関する調査分析データを提供しています。

エグゼクティブサマリー

第1章 イントロダクション

第2章 グループ(大手モバイル電気通信グループ)の戦略的分析

  • イントロダクション
  • 調査対象グループのサマリー
  • 世界のモバイルペイメント市場
  • グループのモバイル金融サービスへの戦略的アプローチ
  • モバイル金融サービスにおけるグループの所有・提携戦略
  • ペイメント、バンキング、保険およびアシストサービスにおけるキャプティブ(自社専用保険会社)
  • ペイメント、バンキング、保険およびアシストサービスにおけるジョイントベンチャー
  • ペイメントおよびペイメント関連技術企業との戦略的提携
  • 銀行との戦略的提携
  • 保険およびアシストサービス企業との提携

第3章 ブランド分析

  • イントロダクション
  • 調査対象ブランドのサマリー
  • ペイメントおよびバンキング商品の引当金
  • 引当率
  • 国際的機能性
  • ハードウェアおよびソフトウェアの限界
  • 運用モデル
  • コンペティターの提携シェア
  • 将来の商品および計画中の構想
  • 保険およびアシスト商品の引当金
  • 引当率
  • 運用モデル
  • コンペティターの提携シェア
  • 将来の商品および計画中の構想

第4章 ブランドのプロファイル

図表リスト

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目次

Global Mobile Operators: Strategies in Payments, Banking, Insurance and Assistance is a report and interactive PartnerBASE dataset that provides a detailed worldwide overview of the fast-growing involvement of mobile operator brands and groups in financial services. For 286 brands spread across 92 countries, it outlines their activity and strategic partnerships for over 20 separate financial product and service categories as follows:

  • payments: payments via linked bank card / account, payments via direct carrier billing, payments via network account, talktime / credit transfer; international payments / remittances;
  • banking: mobile banking (bank current accounts); credit cards (non-virtual); prepaid cards (non-virtual); consumer finance / micro-credits;
  • insurance: mobile phone, mobile gadget, bill payment protection, identity protection, motor, household, travel, accident, health, life;
  • assistance: home, legal, medical, road.

Across all 286 brands researched, Finaccord identified a total of over 1,250 distinct product initiatives and partnerships involving more than 500 banking institutions, payment companies, technology firms, insurance providers and assistance entities. Moreover, within a separate analysis, Finaccord summarises the main strategic moves made in financial services by the leading 60 mobile telecoms groups worldwide.

Types of organisation that will be able to use this research include the following:

  • mobile telecoms groups : this research will benchmark the activity in payments, banking, insurance and assistance of your direct competitors and other comparators across major countries around the world with regional coverage of Africa, Asia Pacific (including Australasia), Europe, the Middle East, Latin America and North America;
  • banks, insurance providers and assistance firms : as a consequence of their sheer size, their on-going relationships with customers and the increasing functionality of the mobile devices used by those customers, strategic partnerships with mobile operators represent a major opportunity for financial services institutions;
  • payment and other financial technology companies : it is often the case for mobile operators that opportunities in mobile payments, in particular, can only be realised through collaboration with payment or other financial technology companies, especially as they seek to add international functionality to their initiatives in this arena;
  • management consultancies : if you are helping a financial institution or technology company with its strategy in relation to mobile operators or advising a mobile operator how it can make money from financial services, then this research will explain the global activity of mobile operator brands and groups in financial services, saving time and effort on researching the subject yourself.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Finaccord's research covers 60 major mobile telecoms groups and 286 country-specific operator brands
  • At a strategic level, leading telecoms groups are most active in the field of mobile payments with many also having made mobile banking an important focus for development
  • North America hosts the highest proportion of mobile payment schemes with contactless functionality and Africa and the Middle East the lowest
  • Mobile wallets (such as the M-PESA platform) are typically run by the mobile operators themselves
  • Co-branded credit card programs remain more widespread than their prepaid equivalents
  • An increasing proportion of mobile operator brands are offering mobile phone and gadget insurance with programs most widespread in North America and in Southern and Western Europe
  • Some mobile operators distribute free insurance policies based on customers' top-up payments
  • The provision of assistance services via mobile operators is particularly strong in Latin America
  • Mobile telecoms groups and brands are likely to up their game in financial services for several reasons
  • The current worldwide structure of mobile financial services is both complex and fragmented
  • OTT services are liable to cause a significant change in the mobile payments landscape
  • In future, leading mobile telecoms groups are likely to work with a smaller number of large providers

1.0 INTRODUCTION

  • What is this report about?
    • This study updates Finaccord's analysis of the involvement of mobile operators in financial services covering over 1,250 distinct product initiatives and deals with more than 500 partner organisations
  • Rationale
    • Mobile operators can be key affinity distribution partners in payments, banking, insurance and assistance
  • Methodology
    • Primary research
    • The research covers 60 mobile operator groups and 286 brands across over 90 countries
    • External sources
  • Definitions
    • Payment, banking, insurance and assistance products and services
    • Other terms
    • Operating models
    • Unweighted and weighted share of partnerships
  • Interactive PartnerBASE
  • Finaccord

2.0 GROUP STRATEGY ANALYSIS

  • Introduction
  • Summary of groups researched
    • By total number of subscribers, China Mobile is by far the largest of the 60 groups investigated
  • The global market for mobile payments
    • The worldwide market for mobile payments has increased exponentially in recent years
  • Group strategic approaches to mobile financial services
    • Most leading telecoms groups are pursuing mobile payments as a strategic opportunity although some have devolved strategy formulation to national mobile operator brands
    • In the developing world, mobile payments have become a feature of daily life for many consumers
    • The 'low-tech' model will continue to be relevant while 'high-tech' options have yet to live up to perennial expectations
    • The rise of biometric security features provides a possible solution to mobile payment security issues
    • Apple's iPay and Google Wallet are competing head to head
    • Direct carrier billing has become an important worldwide payment method for digital goods benefitting competitors such as Bango, Boku and Fortumo
    • Talktime and call credit transfer remain the simplest means of transferring funds worldwide
    • Telecoms groups are less likely to enter into tied agreements for mobile banking than for mobile payments
    • User authentication may prove a valuable service for mobile operators to provide for banks as developed by Avea and Turkcell in Turkey and the BankID initiative in Norway
    • Banking product initiatives are usually arranged by mobile operators at a country-specific level which is also the case for insurance products
    • ...albeit some firms combine central planning with country-specific insurance partnerships for both mobile phone and gadget cover plus other types of insurance
    • Telefónica and Vodafone have both set up insurance captives while Japan's KDDI has established a joint venture
    • Centrally organised assistance schemes are especially prevalent in Latin America as evidenced by services promoted by América Móvil, Millicom and Telefónica
  • Group ownership and partnership strategies in mobile financial services
    • The creation of captive and joint venture companies is an option for mobile telecoms groups with outright or partial ownership almost inevitably the outcome of centralised decisions
    • Captives in payments, banking, insurance and assistance
    • 32 captives owned by the telecoms groups themselves are involved in mobile financial services
    • PayBox Bank is primarily a mobile payment provider although also holds a banking license
    • Telenor operates a fully licensed captive bank in Serbia following its acquisition of KBC Bank
    • Swisscom allows customers of rival customers to utilise its Tapit mobile payment product
    • SK Group's Syrup aims to integrate loyalty and discount functions with a mobile payment scheme
    • A further six mobile groups make use of captive (or sister) insurance or assistance providers
  • Joint ventures in payments, banking, insurance and assistance
    • Most joint ventures in mobile financial services are focused on payments and banking and some have been configured among two or more mobile telecoms groups with banks and / or technology companies also participating
    • Taiwan Mobile Payment involves over 30 banks, other agencies, payment networks and mobile operators
    • Japan's KDDI is co-owner of a joint venture retail bank in the shape of Jibun Bank
    • Some established and proposed joint ventures (such as Wanda) have failed to work out
    • In the UK, Apple's iPay and the planned launch of Zapp have affected the market
    • Softcard's app is being withdrawn by major mobile operators in the US
  • Strategic partnerships with banks
    • Wirecard works as a strategic partner with both SFR and Vodafone
    • Prepaid mobile operator cards are often linked to bank-driven payment schemes
  • Strategic partnerships with insurance and assistance companies
    • ACE and Assurant both benefit from seemingly close relationships with major telecoms group
    • In future, it is possible that major telecoms groups will seek to offer more products with fewer providers
  • Strategic partnerships with payment and payment-related technology companies
    • Gemalto is used as a strategic partner by several groups and at a local level by numerous operators
    • Several other technology companies provide support for mobile payments, especially via NFC
    • Monitise and Wirecard are significant competitors in the mobile operator payments sector
    • MasterCard and Visa have become two of the most important payment partners for mobile payments with American Express, PayPal and Western Union also competing in this space

3.0 BRAND ANALYSIS

  • Introduction
  • Summary of brands researched
    • Over 50% of mobile phone subscribers are concentrated in one geographical region
    • Vodafone is the owner (or co-owner) of 23 of the mobile operator brands researched
  • Provision of payment and banking products
    • Overall provision rates
      • Globally, the most common type of mobile payment product is direct carrier billing while co-branded credit cards are more widespread than co-branded prepaid cards
    • Linked bank cards or bank accounts
      • Several large European and North American brands offer payments via linked bank card / account
      • In Latin America, the payment type is restricted to leading brands in a smaller number of countries
      • China's UnionPay holds the highest weighted share of issuer partnerships in this field and also claims the highest share of payment network partnerships
    • Direct carrier billing
      • Almost all mobile subscribers have access to direct carrier billing in four out of seven regions
      • Fortumo takes the highest share of direct carrier billing partnerships by a substantial margin
      • An expansion of Zong's services to other areas would make it a major competitor in this sphere
    • Network accounts
      • Payments via network accounts are most prominent in Africa and the Middle East partly because mobile phones are seen as a key method of promoting financial inclusion
      • Network account providers from China, India and Indonesia lead the weighted rankings although Vodafone's M-PESA product is potentially the most popular worldwide
      • A majority of network accounts run on private networks
      • Contactless payment is more common for linked bank cards and accounts than for network accounts
      • Smartphone apps are most commonly a feature of payments in North America and parts of Europe
    • Talktime / call credit transfer
      • Talktime / call credit transfer is an important peer-to-peer payment method in several regions
    • Mobile banking (bank current accounts)
      • Qualifying mobile banking schemes are especially visible in India albeit China Merchants Bank is the mobile banking partner with the largest potential audience
    • Credit cards (non-virtual)
      • Co-branded (non-virtual) credit cards developed with mobile operators are most visible in Latin America
      • Citibank works with a number of substantial mobile operators for co-branded credit cards as does Itáu
      • MasterCard's share of network partnerships is somewhat higher than that of Visa in this arena
    • Prepaid cards (non-virtual)
      • Co-branded non-virtual prepaid cards developed by mobile operators are in evidence in all seven regions most notably in North America
      • Partnerships with mobile operators for prepaid cards are spread across a wide range of providers albeit MasterCard and Visa again dominate as payment networks
    • International payments / remittances
      • A minority of mobile operators promote international payment or remittance services
      • Unistream is the most prominent provider thanks to partnerships with three Russian mobile operators
    • Consumer finance and micro-credits
      • Consumer finance or micro-credit options are available in six of the seven regions surveyed
      • Japan's DCMX and Nigeria's Diamond Bank have major mobile operator partnerships in this sphere
    • Miscellaneous payment and banking products
      • A handful of mobile operators offer other types of payment or banking product
      • These include an investment account offered through China Telecom by Bestpay and a local bank
    • Operating models for payment and banking products
      • The split of operating models varies greatly by type of payment or banking service
  • Provision of insurance and assistance products
    • Overall provision rates
      • 113 mobile operator brands have schemes for mobile phone insurance up and running and 159 intermediate at least one form of insurance or assistance
      • Various niche insurance and assistance policies are also on offer from a handful of mobile operators
    • Mobile phone insurance
      • There has been a modest increase in the worldwide provision rate for mobile phone insurance although availability still varies substantially by region
      • Through their mobile operator partnerships, Asurion and Assurant have access to the most subscribers with ACE ranked third based largely on its multi-country link with Vodafone
      • Marsh is used as scheme administrator in a number of cases
    • Mobile gadget insurance
      • Operators selling mobile gadget cover are most widespread in North America and two European regions
      • The most prominent providers in this field are broadly similar to those visible for mobile phone insurance
    • Bill payment protection insurance
      • This type of cover is on offer from a handful of brands spread across five of the seven regions with Assurant and ACE the most prominent providers in the weighted analysis
    • Identity protection insurance and assistance
      • Identity protection cover is only ever available embedded within a broader insurance policy
    • Motor insurance
      • Few mobile operators have seen fit to market motor insurance to their subscribers albeit Turkey's Avea has introduced a car insurance comparison and brokerage service
    • Household insurance
      • Likewise, the availability rate for household insurance via mobile operators is also quite low with two of five schemes in evidence having been established in Brazil
    • Travel insurance and assistance
      • Travel cover is sold by 35 of the mobile operator brands investigated with ACE claiming four significant partnerships in this domain
    • Accident insurance
      • Globally, almost 30% of mobile subscribers have access to accident cover through a mobile operator with the two most prominent relationships having been established in China
    • Health insurance
      • Health insurance is offered by mobile operators in five of the seven regions surveyed
      • New China Life claims the partnership generating the highest weighted share
      • MicroEnsure is active in this and other fields in several countries
    • Life insurance
      • Mobile operator schemes for life insurance are most widespread in Africa and the Middle East with many fitting the definition of micro-insurance and / or offered for free to prepaid subscribers
      • PICC's link with China Mobile makes it the leader by weighted share of partnerships
      • Bima is a notable player in this and other micro-insurance sectors
    • Home assistance
      • Home assistance is available as an optional extra from over a half of mobile brands in Latin America usually as part of a bundle of assistance services
      • By weighted share of partnerships, three providers control over a half of the potential market
    • Legal assistance
      • Legal assistance is only available from mobile operators in Latin America
      • Patrimonial Inbursa holds the highest weighted share, thanks to its partnership with Telcel in Mexico
    • Medical assistance
      • Medical assistance is available from mobile operators in four of the seven regions investigated
      • Prominent providers include Healthfore in India and American Assist in Latin America
    • Road assistance
      • Schemes for road assistance through mobile operators are most numerous in the Americas
      • Allstate's Signature Motor Club and Asurion are both important players in this context
    • Miscellaneous insurance and assistance
      • Personal assistance is the most widely available 'miscellaneous' policy type
      • The broad array of product providers reflects the wide range of insurance and assistance types on offer
    • Operating models for insurance and assistance products
      • A majority of mobile operator insurance and assistance schemes are set up with a single external partner albeit a few are run internally or via a captive or joint venture entity

4.0 BRAND PROFILES

  • Using the interactive PartnerBASE file.
  • Profiles in the interactive PartnerBASE file
    • 2degrees (New Zealand)
    • 3 (Austria)
    • 3 (Hong Kong)
    • 3 (Indonesia)
    • 3 (Ireland)
    • 3 (Italy)
    • 3 (Sweden)
    • 3 (UK)
    • A1 (Austria)
    • Aircel (India)
    • airtel (Ghana)
    • airtel (India)
    • airtel (Kenya)
    • airtel (Nigeria)
    • airtel (Tanzania)
    • airtel (Uganda)
    • AIS (Thailand)
    • Antel (Uruguay)
    • APT - Asia Pacific Telecom (Taiwan)
    • AT&T Mobillity (US)
    • au (Japan)
    • Avea (Turkey)
    • Bakrie Telecom (Indonesia)
    • BASE (Belgium)
    • Beeline (Kazakhstan)
    • Beeline (Russia)
    • Bell Mobility (Canada)
    • BH Mobile (Bosnia Herzegovina)
    • Bouygues Télécom (France)
    • BSNL (India)
    • Cable & Wireless (Panama)
    • Celcom (Malaysia)
    • Cell C (South Africa)
    • Cellcom (Israel)
    • Ceria Mobile (Indonesia)
    • China Mobile (China)
    • China Telecom (China)
    • China Unicom (China)
    • Chunghwa Telecom (Taiwan)
    • Claro (Argentina)
    • Claro (Brazil)
    • Claro (Chile)
    • Claro (Colombia)
    • Claro (Dominican Republic)
    • Claro (Ecuador)
    • Claro (El Salvador)
    • Claro (Guatemala)
    • Claro (Honduras)
    • Claro (Nicaragua)
    • Claro (Peru)
    • COSMOTE (Greece)
    • csl (Hong Kong)
    • DiGi (Malaysia)
    • Digi.Mobil (Romania)
    • Digicel (Haiti)
    • Digicel (Jamaica)
    • Digitel GSM (Venezuela)
    • Djezzy (Algeria)
    • DNA (Finland)
    • DTAC (Thailand)
    • du (UAE)
    • EE (UK)
    • Elisa (Finland)
    • Entel (Bolivia)
    • Entel (Chile)
    • Entel (Peru)
    • E-Plus (Germany)
    • Etisalat (Egypt)
    • Etisalat (Nigeria)
    • Etisalat (UAE)
    • Expresso (Senegal)
    • Far EasTone (Taiwan)
    • FITEL (Taiwan)
    • Free (France)
    • Geocell (Georgia)
    • Glo (Ghana)
    • Glo (Nigeria)
    • Globe Telecom (Philippines)
    • Gmobile (Vietnam)
    • IAM (Morocco)
    • Idea Cellular (India)
    • Indosat (Indonesia)
    • inwi (Morocco)
    • Kcell (Kazakhstan)
    • Kölbi (Costa Rica)
    • KPN (Netherlands)
    • KT (South Korea)
    • Kyivstar (Ukraine)
    • LG U+ (South Korea)
    • life:) (Ukraine)
    • LIME (Jamaica)
    • LMT (Latvia)
    • Loop Mobile (India)
    • Iusacell (Mexico)
    • m:tel (Bosnia Herzegovina)
    • M1 (Singapore)
    • MagtiCom (Georgia)
    • Magyar Telekom (Hungary)
    • Maxis (Malaysia)
    • Méditel (Morocco)
    • MegaFon (Russia)
    • MEO (Portugal)
    • Meteor (Ireland)
    • MobiFone (Vietnam)
    • Mobilis (Algeria)
    • Mobily (Saudi Arabia)
    • Mobinil (Egypt)
    • Mobistar (Belgium)
    • Movicel (Angola)
    • Movilnet (Venezuela)
    • Movistar (Argentina)
    • Movistar (Chile)
    • Movistar (Colombia)
    • Movistar (Ecuador)
    • Movistar (Guatemala)
    • Movistar (Mexico)
    • Movistar (Nicaragua)
    • Movistar (Peru)
    • Movistar (Spain)
    • Movistar (Uruguay)
    • Movistar (Venezuela)
    • MPT (Myanmar)
    • mt:s (Serbia)
    • M-Tel (Bulgaria)
    • MTN (Cameroon)
    • MTN (Ghana)
    • MTN (Nigeria)
    • MTN (South Africa)
    • MTN (Sudan)
    • MTN (Uganda)
    • MTN (Yemen)
    • MTNL (India)
    • MTS (India)
    • MTS (Russia)
    • MTS (Ukraine)
    • Ncell (Nepal)
    • Nepal Telecom (Nepal)
    • NetCom (Norway)
    • NEXTEL (Argentina)
    • NEXTEL (Brazil)
    • NEXTEL (Mexico)
    • NOS (Portugal)
    • NTT DOCOMO (Japan)
    • O2 (Czech Republic)
    • O2 (Germany)
    • O2 (Ireland)
    • O2 (Slovakia)
    • O2 (UK)
    • Oi (Brazil)
    • Oman Mobile (Oman)
    • Omnitel (Lithuania)
    • Ooredoo (Algeria)
    • Ooredoo (Kuwait)
    • Ooredoo (Oman)
    • Ooredoo (Qatar)
    • Ooredoo (Tunisia)
    • Optus Mobile (Australia)
    • Orange (Cameroon)
    • Orange (Dominican Republic)
    • Orange (France)
    • Orange (Israel)
    • Orange (Kenya)
    • Orange (Poland)
    • Orange (Romania)
    • Orange (Senegal)
    • Orange (Slovakia)
    • Orange (Spain)
    • Orange (Switzerland)
    • Orange (Tunisia)
    • Pelephone (Israel)
    • Personal (Argentina)
    • Personal (Paraguay)
    • Play (Poland)
    • Plus (Poland)
    • Proximus (Belgium)
    • Reliance Communications (India)
    • Rogers Wireless (Canada)
    • Sabafon (Yemen)
    • Safaricom (Kenya)
    • SFR (France)
    • Si.mobil (Slovenia)
    • Singtel Mobile (Singapore)
    • SK Telecom (South Korea)
    • Smart Communications (Philippines)
    • Smartfren (Indonesia)
    • SmarTone (Hong Kong)
    • SoftBank Mobile (Japan)
    • Sonera (Finland)
    • Spark (New Zealand)
    • Sprint Nextel (US)
    • StarHub Mobile (Singapore)
    • STC (Saudi Arabia)
    • Sunrise (Switzerland)
    • Swisscom (Switzerland)
    • Taiwan Mobile (Taiwan)
    • Tata DOCOMO (India)
    • TDC (Denmark)
    • Telcel (Mexico)
    • Tele2 (Latvia)
    • Tele2 (Lithuania)
    • Tele2 (Norway)
    • Tele2 (Russia)
    • Tele2 (Sweden)
    • Telekom (Germany)
    • Telekom (Romania)
    • Telekom (Slovakia)
    • Telekom Slovenije (Slovenia)
    • Telenor (Bulgaria)
    • Telenor (Denmark)
    • Telenor (Hungary)
    • Telenor (Norway)
    • Telenor (Serbia)
    • Telenor (Sweden)
    • Telia (Denmark)
    • Telia (Sweden)
    • Telkom (South Africa)
    • Telkomsel (Indonesia)
    • Telstra (Australia)
    • Telus Mobility (Canada)
    • T-Hrvatski Telekom (Croatia)
    • Tigo (Bolivia)
    • Tigo (Colombia)
    • Tigo (El Salvador)
    • Tigo (Ghana)
    • Tigo (Guatemala)
    • Tigo (Honduras)
    • Tigo (Paraguay)
    • Tigo (Senegal)
    • Tigo (Tanzania)
    • TIM (Brazil)
    • TIM (Italy)
    • T-Mobile (Austria)
    • T-Mobile (Czech Republic)
    • T-Mobile (Netherlands)
    • T-Mobile (Poland)
    • T-Mobile (US)
    • True Move (Thailand)
    • Tunisie Télécom (Tunisia)
    • Turkcell (Turkey)
    • U.S. Cellular (US)
    • Unefon (Mexico)
    • Uninor (India).
    • Unitel (Angola)
    • Verizon Wireless (US)
    • VIBO (Taiwan)
    • Videocon (India)
    • Vietnamobile (Vietnam)
    • Viettel Mobile (Vietnam)
    • Vinaphone (Vietnam)
    • VIP (Croatia)
    • VIP (Serbia)
    • Visafone (Nigeria)
    • VIVA (Kuwait)
    • Vivacom (Bulgaria)
    • Vivo (Brazil)
    • Vodacom (South Africa)
    • Vodacom (Tanzania)
    • Vodafone (Australia)
    • Vodafone (Czech Republic)
    • Vodafone (Egypt)
    • Vodafone (Germany)
    • Vodafone (Ghana)
    • Vodafone (Greece)
    • Vodafone (Hungary)
    • Vodafone (India)
    • Vodafone (Ireland)
    • Vodafone (Italy)
    • Vodafone (Netherlands)
    • Vodafone (New Zealand)
    • Vodafone (Portugal)
    • Vodafone (Qatar)
    • Vodafone (Romania)
    • Vodafone (Spain)
    • Vodafone (Turkey)
    • Vodafone (UK)
    • WIND (Canada)
    • Wind (Italy)
    • WIND Hellas (Greece)
    • XL Axiata (Indonesia)
    • Y!Mobile (Japan)
    • Yoigo (Spain)
    • yuMobile (Kenya)
    • Zain (Kuwait)
    • Zain (Saudi Arabia)
    • Zain (Sudan)
    • Zantel (Tanzania)

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

2.0 GROUP STRATEGY ANALYSIS

  • Total value and users of mobile payments worldwide, 2010 to 2014
  • Summary of strategic initiatives in mobile payments of leading mobile telecoms groups, 2015
  • Summary of strategic initiatives in mobile payments of leading mobile telecoms groups, 2015 (cont.)
  • Summary of strategic initiatives in mobile banking of leading mobile telecoms groups, 2015
  • Summary of strategic initiatives in mobile banking of leading mobile telecoms groups, 2015 (cont.)
  • Summary of strategic initiatives in insurance (excluding mobile phone and gadget insurance) of leading mobile telecoms groups, 2015
  • Summary of strategic initiatives in mobile phone and gadget insurance of leading mobile telecoms groups, 2015
  • Summary of strategic initiatives in assistance programs of leading mobile telecoms groups, 2015
  • Captive (and sister) payment, banking and insurance partners owned by leading mobile telecoms groups, 2015
  • Joint venture payment, banking and insurance partners owned by leading mobile telecoms groups, 2015
  • Strategic partnerships formed by leading mobile telecoms groups with external banks, 2015
  • Strategic partnerships formed by leading mobile telecoms groups with external insurance and assistance companies, 2015

3.0 BRAND ANALYSIS

  • Mobile operator brands surveyed, segmented by geographical region, 2015
  • Mobile operator brands surveyed, weighted by subscriber numbers, segmented by geographical region, 2015
  • Multinational telecoms groups with five or more wholly- or partially-owned subsidiary brands covered by the research, 2015
  • Provision rates for each type of payment and banking product by mobile operator brands, 2015
  • Provision rates for payments via linked bank cards or accounts by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for payments via linked bank cards or accounts by mobile operator brands, 2015
  • Weighted shares of network partnerships for payments via linked bank cards or accounts by mobile operator brands, 2015
  • Provision rates for payments via direct carrier billing by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for payments via direct carrier billing by mobile operator brands, 2015
  • Provision rates for payments via network account by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for payments via network account by mobile operator brands, 2015
  • Weighted shares of network partnerships for payments via network accounts by mobile operator brands, 2015
  • Percentage of linked bank cards / accounts and network accounts that use contactless technology payments, segmented by geographical region, 2015
  • Percentage of linked bank cards / accounts and network accounts that require a smartphone app for payments, segmented by geographical region, 2015
  • Provision rates for payments via talktime / call credit transfer by mobile operator brands, segmented bu geographical region, 2015
  • Provision rates for mobile banking services (current accounts) by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for mobile banking services (current accounts) by mobile operator brands, 2015
  • Provision rates for credit cards (non-virtual) by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for credit cards (non-virtual) by mobile operator brands, 2015
  • Provision rates for prepaid cards (non-virtual) by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for prepaid cards (non-virtual) by mobile operator brands, 2015
  • Provision rates for international payments and remittances by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for international payments and remittances by mobile operator brands, 2015
  • Provision rates for consumer finance / micro-credits by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for consumer finance / micro-credits by mobile operator brands, 2015
  • Provision rates for miscellaneous mobile payment and banking products by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for miscellaneous mobile payment and banking products mobile operator brands, 2015
  • Operating models used by mobile operator brands for each type of payment and banking product, 2015
  • Operating models used by mobile operator brands for each type of payment and banking product, 2015 (table)
  • Provision rates for each type of insurance and assistance product by mobile operator brands, 2015
  • Provision rates for mobile phone insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for mobile phone insurance by mobile operator brands, 2015
  • Provision rates for mobile gadget insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for mobile gadget insurance by mobile operator brands, 2015
  • Provision rates for bill payment protection insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for bill payment protection insurance by mobile operator brands, 2015
  • Provision rates for identity protection insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for identity protection insurance by mobile operator brands, 2015
  • Provision rates for motor insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for motor insurance by mobile operator brands, 2015
  • Provision rates for household insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for household insurance by mobile operator brands, 2015
  • Provision rates for travel insurance and assistance by mobile operator brands, segmented by geographical region, 2015 Weighted shares of competitor partnerships for travel insurance and assistance by mobile operator brands, 2015
  • Provision rates for accident insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for accident insurance by mobile operator brands, 2015
  • Provision rates for health insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for health insurance by mobile operator brands, 2015
  • Provision rates for life insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for life insurance by mobile operator brands, 2015
  • Provision rates for home assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for home assistance by mobile operator brands, 2015
  • Provision rates for legal assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for legal assistance by mobile operator brands, 2015
  • Provision rates for medical assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for medical assistance by mobile operator brands, 2015
  • Provision rates for road assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for road assistance by mobile operator brands, 2015
  • Provision rates for miscellaneous insurance and assistance products by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for miscellaneous insurance and assistance products mobile operator brands, 2015
  • Operating models used by mobile operator brands for each type of insurance and assistance product, 2015
  • Operating models used by mobile operator brands for each type of insurance and assistance product, 2015 (table)

4.0 BRAND PROFILES

  • Screenshot of the interactive brand profile viewer included with this report's PartnerBASE dataset 2degrees (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance
  • 3 (UK): provision, operating models and partnerships for payments, banking, insurance and assistance
  • A1 (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Aircel (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • airtel (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance
  • airtel (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • airtel (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance
  • airtel (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • airtel (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • airtel (Uganda): provision, operating models and partnerships for payments, banking, insurance and assistance
  • AIS (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Antel (Uruguay): provision, operating models and partnerships for payments, banking, insurance and assistance
  • APT - Asia Pacific Telecom (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • AT&T Mobility (US): provision, operating models and partnerships for payments, banking, insurance and assistance
  • au (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Avea (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Bakrie Telecom (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • BASE (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Beeline (Kazakhstan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Beeline (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Bell Mobility (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance
  • BH Mobile (Bosnia Herzegovina): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Bouygues Télécom (France): provision, operating models and partnerships for payments, banking, insurance and assistance
  • BSNL (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Cable & Wireless (Panama): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Celcom (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Cell C (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Cellcom (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ceria Mobile (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • China Mobile (China): provision, operating models and partnerships for payments, banking, insurance and assistance
  • China Telecom (China): provision, operating models and partnerships for payments, banking, insurance and assistance
  • China Unicom (China): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Chunghwa Telecom (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Dominican Republic): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Ecuador): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (El Salvador): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Guatemala): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Honduras): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Nicaragua): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Claro (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance
  • COSMOTE (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance
  • csl (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance
  • DiGi (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Digi Mobil (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Digicel (Haiti): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Digicel (Jamaica): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Digitel GSM (Venezuela): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Djezzy (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • DNA (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • DTAC (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance
  • du (UAE): provision, operating models and partnerships for payments, banking, insurance and assistance
  • EE (UK): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Elisa (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Entel (Bolivia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Entel (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Entel (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance
  • E-Plus (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Etisalat (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Etisalat (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Etisalat (UAE): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Expresso (Senegal): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Far Eas Tone (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • FITEL (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Free (France): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Geocell (Georgia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Glo (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Glo (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Globe Telecom (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Gmobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance
  • IAM (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Idea Cellular (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Indosat (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • inwi (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Kcell (Kazakhstan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Kölbi (Costa Rica): provision, operating models and partnerships for payments, banking, insurance and assistance
  • KPN (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance
  • KT (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Kyivstar (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance
  • LG U+ (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance
  • life:) (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance
  • LIME (Jamaica): provision, operating models and partnerships for payments, banking, insurance and assistance
  • LMT (Latvia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Loop Mobile (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Iusacell (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance
  • m:tel (Bosnia Herzegovina): provision, operating models and partnerships for payments, banking, insurance and assistance
  • M1 (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MagtiCom (Georgia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Magyar Telekom (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Maxis (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Méditel (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MegaFon (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MEO (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Meteor (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MobiFone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Mobilis (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Mobily (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Mobinil (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Mobistar (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movicel (Angola): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movilnet (Venezuela): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Ecuador): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Guatemala): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Nicaragua): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Uruguay): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Movistar (Venezuela): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MPT (Myanmar): provision, operating models and partnerships for payments, banking, insurance and assistance
  • mt:s (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • M-Tel (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (Cameroon): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (Sudan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (Uganda): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTN (Yemen): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTNL (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTS (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTS (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • MTS (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ncell (Nepal): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Nepal Telecom (Nepal): provision, operating models and partnerships for payments, banking, insurance and assistance
  • NetCom (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance
  • NEXTEL (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance
  • NEXTEL (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance
  • NEXTEL (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance
  • NOS (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance
  • NTT DOCOMO (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • O2 (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance
  • O2 (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance
  • O2 (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • O2 (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • O2 (UK): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Oi (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Oman Mobile (Oman): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Omnitel (Lithuania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ooredoo (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ooredoo (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ooredoo (Oman): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ooredoo (Qatar): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Ooredoo (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Optus Mobile (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Cameroon): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Dominican Republic): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (France): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Senegal): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Orange (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Pelephone (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Personal (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Personal (Paraguay): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Play (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Plus (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Proximus (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Reliance Communications (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Rogers Wireless (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Sabafon (Yemen): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Safaricom (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance
  • SFR (France): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Si.mobil (Slovenia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Singtel Mobile (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance
  • SK Telecom (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Smart Communications (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Smartfren (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • SmarTone (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance
  • SoftBank Mobile (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Sonera (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Spark (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Sprint Nextel (US): provision, operating models and partnerships for payments, banking, insurance and assistance
  • StarHub Mobile (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance
  • STC (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Sunrise (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Swisscom (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Taiwan Mobile (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tata DOCOMO (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • TDC (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telcel (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tele2 (Latvia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tele2 (Lithuania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tele2 (Norway): provision, operating models and partnerships for payments, banking, insurance assistance
  • Tele2 (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tele2 (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telekom (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telekom (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telekom (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telekom Slovenije (Slovenia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telenor (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telenor (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telenor (Hungary): provision, operating models and partnerships for payments, banking, insurance assistance
  • Telenor (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telenor (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telenor (Sweden): provision, operating models and partnerships for payments, banking, insurance assistance
  • Telia (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telia (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telkom (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telkomsel (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telstra (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Telus Mobility (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance
  • T-Hrvatski Telekom (Croatia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tigo (Bolivia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tigo (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tigo (El Salvador): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tigo (Ghana): provision, operating models and partnerships for payments, banking, insurance assistance
  • Tigo (Guatemala): provision, operating models and partnerships for payments, banking, insurance assistance
  • Tigo (Honduras): provision, operating models and partnerships for payments, banking, insurance assistance
  • Tigo (Paraguay): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tigo (Senegal): provision, operating models and partnerships for payments, banking, insurance assistance
  • Tigo (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • TIM (Brazil): provision, operating models and partnerships for payments, banking, insurance assistance
  • TIM (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance
  • T-Mobile (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • T-Mobile (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance
  • T-Mobile (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance
  • T-Mobile (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • T-Mobile (US): provision, operating models and partnerships for payments, banking, insurance and assistance
  • True Move (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Tunisie Télécom (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Turkcell (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance
  • U.S. Cellular (US): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Unefon (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Uninor (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Unitel (Angola): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Verizon Wireless (US): provision, operating models and partnerships for payments, banking, insurance and assistance
  • VIBO (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Videocon (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vietnamobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Viettel Mobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vinaphone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance
  • VIP (Croatia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • VIP (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Visafone (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • VIVA (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vivacom (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vivo (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodacom (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodacom (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (India): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance 388
  • Vodafone (Qatar): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Vodafone (UK): provision, operating models and partnerships for payments, banking, insurance and assistance
  • WIND (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Wind (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance
  • WIND Hellas (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance
  • XL Axiata (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Y!Mobile (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Yoigo (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance
  • yuMobile (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Zain (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Zain (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Zain (Sudan): provision, operating models and partnerships for payments, banking, insurance and assistance
  • Zantel (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance
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