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アフリカのモバイル金融サービス市場:MNOビジネスモデル・市場予測

Mobile Financial Services in Africa: MNO Business Models and Market Forecast

発行 Pyramid Research, Inc. 商品コード 134577
出版日 ページ情報 英文 64 Pages
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アフリカのモバイル金融サービス市場:MNOビジネスモデル・市場予測 Mobile Financial Services in Africa: MNO Business Models and Market Forecast
出版日: 2010年10月05日 ページ情報: 英文 64 Pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当レポートでは、アフリカにおけるモバイル金融サービスについて詳細かつ最新の分析を提供しており、Safaricom や Vodafoneといった主要な市場参入企業のビジネスモデル分析、市場予測、ケーススタディなどをまとめ、概略以下の構成でお届けします。

第1章 市場概要・背景

  • 定義・概要
  • アフリカの背景
  • モバイルマネーサービスの規制状況の調査
  • 技術概要

第2章 MNOビジネスモデル分析

  • 概要
  • ビジネスモデルに対する規制の影響
  • ビジネスモデル分析:Safaricomの M-Pesa
  • M-Pesa成功の複製
  • 送金を重視していないビジネスモデル
  • オペレーターのポジショニングおよびモバイルマネーサービス

第3章 市場予測

  • 調査手法
  • 全体的な地域予測
  • 国レベルの比較

第4章 ケーススタディ

  • M-Pesa
  • Zain - Zap
  • MTN - Mobile Money
  • Orange - Orange Money

関連資料

図表

目次

Mobile financial services are becoming increasingly important throughout the developing world. In many such regions, including Africa, the availability of formal financial services is limited to certain geographic and income ranges, often leaving the majority of the population to rely on unreliable and costly informal channels. This gap in access to financial services provides an opportunity for mobile network operators because they have a number of assets allowing them to address the problem, including network and distribution coverage, a strong brand, high penetration and the means to drive profits from high-volume, low-value transactions.

The success of M-Pesa in Kenya has demonstrated that mobile financial services can benefit mobile operators and can also provide benefits to the ecosystem, including banks, the distribution network, merchants and companies. Moreover, because there are important social and economic benefits to mobile financial services, governments and international institutions are encouraging their development. At the same time there are important issues and challenges that need to be addressed.

Mobile Financial Services in Africa: MNO Business Models and Market Forecast provides in-depth, up-to-the-moment analysis of mobile financial services in Africa, focusing on the offerings from major market players such as Safaricom and Vodafone.

Key findings include:

  • Mobile money services in Africa are becoming a key service for operators. Indeed the case for providing mobile money services has become compelling, particularly for operators with leading subscription shares.
  • Although the success of Safaricom' s M-Pesa service is impressive by most standards, there are a number of local market factors that might make it difficult to replicate. While every effort has been taken to verify the accuracy of this information, Pyramid Research cannot accept any responsibility or liability for reliance by any person on this information. These factors must be considered when assessing the viability of a mobile money service in other countries.
  • Increasing numbers of operators are launching mobile money services. Pan-regional operators have started rolling out services across their footprint. Meanwhile, some small, local operators have also launched services, particularly in those markets where leading operators have already brought to market their services.

Key Questions Answered

  • What is the current state of mobile payments in Africa?
  • What are the key drivers for mobile payment solutions in Africa?
  • What are the various mobile payment approaches in Africa?

Target audience

Mobile Operators:

This report will help you think through ways to capture a greater share of mobile payments revenue by understanding customer needs and learning lessons from less-than-successful mobile payment rollouts by other operators.

Investors:

Discover the state of the market for mobile payments in Africa and which national and regional solutions are poised for healthy growth in the coming years.

Companies mentioned in this report:

  • Ayala Group
  • Banco de Oro
  • Bank of Africa
  • Bank of the Philippine Islands (BPI)
  • Bharti Airtel
  • Bill & Melinda Gates Foundation
  • BNP Paribas
  • Central Bank of Kenya
  • Central Bank of Nigeria
  • CGAP
  • Essar
  • Facebook
  • First National Bank
  • France Telecom
  • Fundamo
  • Glo Mobile
  • Globe Communications
  • GSMA ...

Table of Contents

Table of exhibits

Companies mentioned

Acronyms and abbreviations

Executive summary

Section 1: Market overview and background

  • 1.1 Definitions and overview
  • 1.2 The African context
  • 1.3 Examining regulatory aspects of mobile money services
  • 1.4 Technical overview

Section 2: MNO business model analysis

  • 2.1 Overview
  • 2.2 The impact of regulations on the business model
    • MNO as a bearer
    • MNO as an agent only
    • Bank issues e-money
    • MNO with an e-money license
    • MNO as a bank
    • Prudential regulations dictate telco-bank partnership
    • KYC regulations affect agent and user adoption
  • 2.3 Business model analysis: Safaricom' s M-Pesa
    • M-Pesa shows that financial services can drive new top and bottom line numbers
    • Financial services drive customer acquisition and loyalty
    • Mobile payment services enable savings in airtime commissions
  • 2.4 Replicating M-Pesa' s success
    • Assessing demand for money transfer services
    • Opex savings with mobile money
  • 2.5 Business models not focused on money transfers
    • Zain Group' s Zap
    • Other business models from outside Africa
    • Third-party business models
  • 2.6 Operator positioning and mobile money services

Section 3: Market forecasts

  • 3.1 Methodology
  • 3.2 Total regional forecast
  • 3.3 Country-level comparisons

Section 4: Case studies

  • 4.1 M-Pesa
    • Key success factors
    • Service development
  • 4.2 Zain' s Zap
  • 4.3 MTN' s Mobile Money
  • 4.4 Orange' s Orange Money
  • Related resources

Table of exhibits

  • Exhibit 1.1: Overview of mobile financial services
  • Exhibit 1.2: Select country overage and operator launches, in US$, 2010
  • Exhibit 1.3: Bank account and mobile population penetration in select markets, 2009
  • Exhibit 1.4: Mobile payment technology comparison
  • Exhibit 2.1: Key MNO mobile money business model elements
  • Exhibit 2.2: Mobile operator mobile money business models
  • Exhibit 2.3: Know-your-customer regulations
  • Exhibit 2.4: Proportionate KYC regulations in South Africa
  • Exhibit 2.5: M-Pesa transaction value breakdown by type, full year 2010 (year to March 2010)
  • Exhibit 2.6: Safaricom revenue breakdown, full year to March, 2007-2010
  • Exhibit 2.7: M-Pesa revenue and cost development, 2007-2010
  • Exhibit 2.8: Safaricom EBITDA margin, subscription share and churn, 2006-2010
  • Exhibit 2.9: Penetration of commercial bank deposit accounts of the adult population, 2009
  • Exhibit 2.10: Adult literacy rates
  • Exhibit 2.11: Literacy versus regulation quadrant
  • Exhibit 2.12: Mobile money opex savings analysis
  • Exhibit 2.13: Zain subscription share and percent of its subscriptions registered (user %) for Zap, year-end 2010 estimate
  • Exhibit 2.14: Subscription share of leading mobile operator, year-end 2009
  • Exhibit 2.15: Details of operators that have launched mobile money services with subscription shares under 20%, 2009
  • Exhibit 2.16: Mobile money adoption forecast, Kenya, Tanzania and Uganda, 2015
  • Exhibit 3.1: Total African population, mobile subscriptions and mobile money registered users, 2007-2015
  • Exhibit 3.2: Total African mobile money transfers, 2007-2015
  • Exhibit 3.3: Mobile money registered users by country as a percentage of mobile subscriptions, 2010 and 2015
  • Exhibit 3.4: Breakdown of total transfer value ($206.1bn) by country, 2015
  • Exhibit 3.5: Mobile money transfer values as a percentage of GDP, by country, 2015
  • Exhibit 3.6: Mobile money operator revenue, actual and as a percentage of total operator revenue, 2007-2015
  • Exhibit 3.7: Mobile money operator revenue, actual and as a percentage of total operator revenue, 2007-2015
  • Exhibit 4.1: Safaricom M-Pesa tariffs
  • Exhibit 4.2: M-Pesa user growth, 2007-2010
  • Exhibit 4.3: M-Pesa print advertisement
  • Exhibit 4.4: Zain Ghana Zap tariffs
  • Exhibit 4.5: Zap registered users as a portion of Zain subscriptions, year-end 2009
  • Exhibit 4.6: MTN Mobile Money registered users as a portion of subscriptions, Q1 2010
  • Exhibit 4.7: MTN Uganda Mobile Money tariffs
  • Exhibit 4.8: MTN Mobile Money board advertisement
  • Exhibit 4.9: Orange Money Cote d' Ivoire tariffs
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