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市場調査レポート

アフリカにおけるモバイルバンキングサービス:モバイル貯蓄・クレジット・保険の台頭

Mobile Banking Services In Africa: The Emergence of Mobile Savings, Credit and Insurance

発行 Pyramid Research, Inc. 商品コード 341867
出版日 ページ情報 英文 28 Pages
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アフリカにおけるモバイルバンキングサービス:モバイル貯蓄・クレジット・保険の台頭 Mobile Banking Services In Africa: The Emergence of Mobile Savings, Credit and Insurance
出版日: 2015年09月30日 ページ情報: 英文 28 Pages
概要

モバイルマネー市場は、急速に進化しています。アフリカ地域では、モバイルバンキングサービス (貯蓄・クレジット・保険を含む) が台頭しています。

当レポートでは、アフリカにおけるモバイルバンキングサービスについて調査分析し、規制の枠組みに関する主要課題と機会、現在のモバイルマネー環境の概要、商業モデル、主要分析と調査結果について、体系的な情報を提供しています。

エグゼクティブサマリー

イントロダクション

モバイルバンキングサービスの提供への道

  • 競合
  • 取扱品目の拡大
  • 代替ビジネスモデル
  • モバイルバンキングのケーススタディの概要

モバイル貯蓄

  • 概要と商業モデル
  • Tigo Wekeza (タンザニア)
  • Safaricom M-Shwari (ケニア)

モバイルクレジット

  • 概要と商業モデル
  • Econet Wireless EcoCash ローン (ジンバブエ)
  • Orange Money Emergency Credit (汎アフリカ)

モバイル保険

  • 概要と商業モデル
  • Airtel Mobile Insurance (ガーナ)
  • Safaricom Kilimo Salama (ケニア)

主な調査結果と提言

図表

目次
Product Code: TC0012IR

Summary

The mobile money market has been evolving quickly and the African region is witnessing the emergence of mobile banking services including savings, credit and insurance. Mobile money services has a huge potential for revenue generation for telcos, owing to relatively low penetration of banking services (around 29% of the population) and mobile phones (which is nearly 80% of the population). There were around 255 live mobile money services operating in 89 different countries in the region. Most of the leading operators in the region (like Safaricom, Orange, Vodacom etc) have developed their own mobile money services.

Key Findings

The mobile savings market is driven by two distinct commercial models: the development of dedicated saving accounts, separated from the mobile wallet, and the distribution of interest based on money stored in the mobile wallet. In the second model, MNOs do not need to create specific partnerships with banks, and have full control of the operation.

The mobile credit market has two commercial models: some MNOs have created strong partnerships with financial institutions to offer credit facilities via their mobile money systems, while others provide extra airtime when customers are running out of credit.

Finally, the mobile insurance market offers four commercial models, ranging from the traditional pay for premium and freemium models, to the emergence of new commercial schemes.

Synopsis

'Mobile Banking Services in Africa: The Emergence of Mobile Savings, Credit and Insurance' report provides an overview of mobile banking services and covers the approach of telcos seeking to leverage the mobile banking opportunity.

It consists of

  • Key challenges and opportunities surrounding regulatory frameworks.
  • Overview of the current mobile money environment and factors including competition, product line extension and the emergence of business models for the provisioning of mobile banking services.
  • Overview and discussion on the commercial models for mobile savings, credits and insurance including case studies for mobile savings, credits and insurance.
  • Key analysis and findings based on the study of mobile banking services in the region and a set of recommendations for mobile operators.

Reasons To Buy

Gain understanding of mobile banking services and its evolution in Africa, to succeed in the existing market.

Align product portfolios by analyzing the various commercial models being used for mobile banking services.

Fasten the decision making process by understanding the factors associated in the provisioning of mobile banking services.

Gain understanding of the competitive landscape and successful strategies, to strengthen your positioning in the market wrt existing operators.

Table of Contents

  • Executive summary
  • Introduction
    • The importance of mobile money in Africa
  • Road toward the provision of mobile banking services
    • Competition
    • Product line extension
    • Alternative business models
    • Overview of mobile banking case studies
  • Mobile savings
    • Overview and commercial models
    • Tigo Wekeza in Tanzania
    • Safaricom M-Shwari in Kenya
  • Mobile credit
    • Overview and commercial models
    • Econet Wireless EcoCash loans in Zimbabwe
    • Orange Money Emergency Credit (pan-Africa)
  • Mobile insurance
    • Overview and commercial models
    • Airtel Mobile Insurance in Ghana
    • Safaricom Kilimo Salama in Kenya
  • Key findings and recommendations

List of Figures

  • Exhibit 1: % of Population aged 15+ with an account at a financial institution, 2014
  • Exhibit 2: Mobile money account penetration in Africa - 2014
  • Exhibit 3: Main Trends in the mobile money market
  • Exhibit 4: Road toward the provision of mobile banking services
  • Exhibit 5: % of countries in specific regions with mobile money availability, 2014
  • Exhibit 6: Number of live mobile money services in Africa, 2014
  • Exhibit 7: Different types of mobile money services present in Africa
  • Exhibit 8: Volume vs. Value transactions in mobile money service portfolio
  • Exhibit 9: Mobile money business models
  • Exhibit 10: Mobile savings, credit and insurance case studies
  • Exhibit 11: Adults who saved at a financial institution, 2014. Geographical regions cover developing economies only + high-Income OECD.
  • Exhibit 12: Mobile savings commercial models
  • Exhibit 13: Tigo Wekeza savings mechanism
  • Exhibit 14: Tigo Wekeza advertising campaign
  • Exhibit 15: M-Shwari lock savings interest rates
  • Exhibit 16: M-Shwari milestones
  • Exhibit 17: Adults who borrowed from a financial institution, 2014. Geographical regions cover developing economies only + high-Income OECD.
  • Exhibit 18: Mobile credit commercial models
  • Exhibit 19: EcoCash customers and value of transactions
  • Exhibit 20: EcoCash loans advertising
  • Exhibit 21: Orange Emergency credit customer journey: Orange Mauritius example
  • Exhibit 22: Adults who purchased health insurance, 2011. Geographical regions cover developing economies only
  • Exhibit 23: Mobile insurance commercial models
  • Exhibit 24: Airtel insurance schemes
  • Exhibit 25: Examples of fees applied to insured
  • Exhibit 26: Examples of crops and risks customers can cover
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