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市場調査レポート

世界のモバイルマネーサービス (2015年):バンキング機能の口座非保有者への拡張

Global Mobile Money Services 2015 - Extending the Banking Capabilities to the Unbanked

発行 WiseStrokes - Wireless Industry Research Consulting 商品コード 331992
出版日 ページ情報 英文 128 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: 1USD=101.75円で換算しております。
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世界のモバイルマネーサービス (2015年):バンキング機能の口座非保有者への拡張 Global Mobile Money Services 2015 - Extending the Banking Capabilities to the Unbanked
出版日: 2015年05月31日 ページ情報: 英文 128 Pages
概要

当レポートでは、世界のモバイルマネーサービスの動向について調査し、モバイルマネーサービスの概要、現在の導入状況 (取引額・取引件数)、世界および地域における主要動向、利用拡大の推進因子・阻害因子、将来に向けた戦略および提言、各種ビジネスモデル、主要プラットフォームベンダーのプロファイル、通信事業者によるサービス提供のケーススタディなどをまとめています。

イントロダクション

  • モバイルマネーサービスの概要
  • 世界のモバイルマネー導入数の推移
  • 新興国におけるモバイルマネーサービス
  • 各国の顧客向けモバイルマネーサービス
  • モバイルマネーサービスの各種タイプ
  • 主なモバイル金融サービス
  • モバイル決済サービスの各種タイプ

モバイルマネーの現状

  • モバイルマネーサービスの導入状況:地域別
  • モバイルマネー取引件数
  • モバイルマネー取引額

モバイル決済サービスのエコシステム

  • モバイル決済のエコシステムの主要参入事業者
  • 主要参入事業者にとってのモバイル金融サービスのメリット
  • 世界のモバイル決済の動向
  • 地域のモバイル決済の動向
  • モバイル金融サービス利用における懸念
  • モバイルサービスを提供する通信事業者
  • モバイル金融サービスを提供する通信事業者
  • モバイル金融サービスの提供を計画している通信事業者
  • モバイル金融サービスの利用拡大の推進因子
  • モバイル金融サービスの利用を拡大すると予測される要因
  • モバイル金融サービスの利用拡大を阻害すると予測される要因
  • 主要ステークホルダーがモバイル金融サービスに関わる理由

成長推進因子・阻害因子

  • モバイル金融サービスを促進する主な要素
  • モバイルマネーの普及を阻害する要因
  • モバイルマネーの将来

今後のモバイルマネー

  • モバイル金融サービスの前途
  • 提言
  • 地方の顧客:モバイル金融サービスのターゲットに
  • 商店の効果的な決済ネットワークの構築方法
  • さまざまな市場シナリオで対応できる戦略
  • モバイルマネーサービスの地方への到達方法

ビルディングブロックと主要KPI

  • モバイルマネービジネスモデルの構築のためのビルディングブロック
  • モバイルマネーサービスの提供:各種産業のための主要KPI

モバイルマネーのビジネスモデル

  • オペレーター主導モデル
  • 銀行主導モデル
  • 決済ネットワークに基づくモデル
  • OTCディストリビューションモデル
  • コラボレーションモデル/マルチコンソーシアムモデル

モバイル決済プラットフォームベンダー

  • Mahindra Comviva
  • eServGlobal
  • Gemalto
  • F1Soft
  • Fundamo
  • mFino
  • Monitise
  • Pozitron
  • ProgressSoft
  • Fusion Payments
  • Tagattitude
  • Telepin Software
  • Amdocs
  • Halcom
  • Ericsson

ケーススタディ

  • Telenor Pakistan:EasyPaisa
  • Safaricom Kenya:MPesa
  • SK Telecom South Korea:Syrup
  • Bharti Airtel India:Mobile Money
  • MTN Africa:Mobile Money
  • Vodacom Africa:MPesa
  • Airtel Uganda:Mobile Money
  • Telenor Pakisatan:EasyPaisa Khushal Beema
  • Telesom Somaliland:Zaad
  • Econet Wireless Zimbawbe:Ecocash

主な調査結果

付録

図表

目次

Overview

Despite the increased focus by telcos for mobile money services, mobile money service adoption continues to be plagued by the Government regulations, security concerns, prevelant trust of people on traditional mode of transactions across most of the countries.

As per survey conducted by WiseStrokes, more than 30% of the users mobile phones to make payments in 2015 (as payment options at more than 20% of the instances).

WiseStrokes survey finding states of 47% of the telcos offered mobile money services in 1-5 countries, whereas 25 of the telcos offered these services in 5-10 countries. 29% of the telcos offered services in 10 or more countries. 83% of the telcos who responded plans to offer mobile money services within one year.

In the next few years, it is expected that the telcos will continue to focus on launching mobile money services (with additional functionalities in the region where they exist), in order to differentiates themselves from the other telcos, thereby strengthening their competitive positioning and generating alternative revenue stream.

The report titled “Mobile Money-Extending the banking capabilities to the unbanked globally” is published by WiseStrokes and provides a detailed overview of the various mobile money services, the evolving ecosystem of player and service delivery chain.

It includes an overview of the current mobile money deployment trends globally and role of key elements involved in the delivery of the services. It also provides an overview of the key KPIs of the various elements involved in service delivery and key focus areas for the telcos in the coming years. A brief snapshot of leading mobile money platform providers along with case studies makes this report a further worth reading.

The report is divided into ten section including Overview, Current state, Mobile money ecosystem, Drivers & inhibitors, Future of mobile money, Building blocks, Business models, Mobile payment vendors snapshots, Case studies and Key findings.

Key Regions covered: APAC, Central & East Europe, Latin America, MEA, North America, Western Europe.

Key Companies mentioned in the report: Telenor Pakistan, Osaifu-Keitai, Mahindra Comviva, eServGlobal, Gemalto,F1Soft, Fundamo, mFino, Monitise, Pozitron, ProgressSoft, Fusion Payments, Tagattitude, Telepin Software, Amdocs, Halcom, Ericsson, Telenor Pakistan, Safaricom Kenya, SK Telecom, Bharti Airtel India, MTN, Vodacom, Airtel Uganda, Telesom Somaliland, Econet Wireless, Zimbawbe.

Key Features of the Report:

The report contains inputs from leading 50 mobile operators globally regarding mobile money services, which has been included as survey finding under the section “Mobile money ecosystem” of the report. The survey was conducted by WiseStrokes in April 2015.

  • A detailed survey feedback from customers and MNOs regarding their views and factors hindering growth of mobile money services has been included in the report in graphical format.
  • The report also has sections as to how to target the rural users, develop an effective merchant network and strategies to be adopted for offering mobile money services-based on the scenario existing in the country.
  • It contains a brief snapshot of leading 15 mobile money platform providers, highlighting their services offerings and customers.
  • In the report, 10 case studies has been provided highlighting the mobile money service offering of telcos, the key initiatives which were taken by them and the benefits derived by them from the service in various markets.
  • The Appendix section also includes a matrix on the availability of various mobile money services (namely mobile money, mobile insurance, mobile credit, mobile service) by operators across more than 100 select countries.
  • A matrix on comparison of an account at a formal financial Institution v/s mobile money usage by adults has also been included for more than 50 countries globally.

Companies mentioned in the report

  • Telenor Pakistan
  • Osaifu-Keitai
  • Mahindra Comviva
  • eServGlobal
  • Gemalto
  • F1Soft
  • Fundamo
  • mFino
  • Monitise
  • Pozitron
  • ProgressSoft
  • Fusion Payments
  • Tagattitude
  • Telepin Software
  • Amdocs
  • Halcom
  • Ericsson
  • Telenor Pakistan
  • Safaricom Kenya
  • SK Telecom
  • Bharti Airtel India
  • MTN
  • Vodacom
  • Airtel Uganda
  • Telesom Somaliland
  • Econet Wireless Zimbawbe

Table of Contents

Introduction

  • Overview of Mobile Money Services
  • Global Mobile Money deployments, 2004-2014
  • Mobile Money services in developing countries across regions, 2014
  • Mobile Money services for the customers in various countries
  • Types of Mobile Money Services
  • Mobile Financial Services- Key services Offered
  • Types of Mobile Payment Services

Current State of Mobile Money

  • State of Mobile Money Services adoption across regions, 2014
  • Mobile Money transactions by Volume
  • Mobile Money transactions by Value

Mobile Payment Services Ecosystem

  • Key Players involves in the Mobile Payment Ecosystem
  • Benefits of Mobile Financial Services to the key Ecosystem Players
  • Global Mobile Payment Trend
  • Regional Mobile Payment Trend
  • Mobile Financial Services Usage Concerns
  • Telcos offering Mobile Services
  • Telcos offering Mobile Financial services
  • Telcos planning to offer Mobile Financial services
  • Factor driving the increased usage of Mobile Financial Services
  • Factor expected to drive the increased usage of Mobile Financial Services
  • Factor expected to Hinder the adoption of Mobile Financial Services
  • Reasons for Key Stake Holders for being associated with Mobile Financial Services

Drivers & inhibitors

  • Key Constituent Element facilitating the Mobile Financial Services
  • Key Inhibitors to the popularity of Mobile Money
  • The Future of Mobile Money

The Future of Mobile Money

  • Mobile Financial Services - Way Forward
  • Suggestions
  • Targeting rural customers for Mobile Financial Services
  • How to build effective merchant's payment network
  • Strategies to be followed in different market scenarios
  • How to reach rural areas for mobile money service

Building Blocks and Key KPIs

  • Building Blocks for developing Mobile Money Business Models
  • Key KPIs for Various Verticals in delivering Mobile Money Services

Business Models for Mobile Money

  • Operator Centric Model
  • Bank Centric Model
  • Payment Network Based Model
  • Over-the-counter distribution model
  • Collaborative Model/Multi-consortium Model

Mobile Payment Platform Vendors

  • Mahindra Comviva
  • eServGlobal
  • Gemalto
  • F1Soft
  • Fundamo
  • mFino
  • Monitise
  • Pozitron
  • ProgressSoft
  • Fusion Payments
  • Tagattitude
  • Telepin Software
  • Amdocs
  • Halcom
  • Ericsson

Case Studies

  • Telenor Pakistan-EasyPaisa
  • Safaricom Kenya-MPesa
  • SK Telecom South Korea-Syrup
  • Bharti Airtel India- Mobile Money
  • MTN Africa- Mobile Money
  • Vodacom Africa-MPesa
  • Airtel Uganda-Mobile Money
  • Telenor Pakisatan- EasyPaisa Khushal Beema
  • Telesom Somaliland- Zaad
  • Econet Wireless Zimbawbe- Ecocash

Key Findings

Appendix

  • List of Mobile Money service across key regions
  • Mobile Phone usage as bill payments
  • Financial inclusion v/s mobile money usage comparison

List of Figures

  • Fig 1: Global Mobile Money deployments, 2004-2014
  • Fig 2: Mobile Money deployments across key regions, 2014
  • Fig 3: Number of Mobile Money deployments globally across regions, 2014
  • Fig 4: Major Types of Mobile Money Services
  • Fig 5: Major Types of Mobile Payment Services
  • Fig 6: Mobile Money Accounts v/s Active Mobile Money Accounts globally, 2014
  • Fig 7: Mobile Money Accounts v/s Active Mobile Money Accounts across key regions, 2014
  • Fig 8: Global count of Mobile Money transactions, 2014
  • Fig 9: Mobile Money transactions per user per month, 2014
  • Fig 10: Global value of Mobile Money transactions, 2014
  • Fig 11: Mobile Money transactions value for different Mobile Money services, 2014
  • Fig 12: Key Players involves in the Mobile Payment Ecosystem
  • Fig 13: Global Mobile Payments trends made by mobile devices, 2015
  • Fig 14: Mobile Payments trends made by mobile devices across Key regions, 2015
  • Fig 15: Mobile Financial Services Usage Concern of users, 2015
  • Fig 16: Telcos Mobile services offering trend across countries, 2015
  • Fig 17: Telcos Mobile Financial services offering trend across countries, 2015
  • Fig 18: Timeframe for telcos planning to offer Mobile Financial services
  • Fig 19: Importance of Mobile Financial services as service offering, 2015
  • Fig 20: Factor driving the usage of Mobile Financial Services
  • Fig 21: Factor hindering the adoption of Mobile Financial Services
  • Fig 22: Key Elements facilitating the Mobile Financial Services
  • Fig 23: Mobile Security still a concern area for Mobile Money offerings
  • Fig 24: User Experience and Regulations are key factors contributing to popularity of Mobile Money
  • Fig 25: Importance of Technical advancements in popularity of Mobile Money services
  • Fig 26: Mobile Money services in the rural areas
  • Fig 27: Building Blocks for developing Mobile Money Business Models
  • Fig 28: Cost structure involved in the delivery of Mobile Money Business Models
  • Fig 29: KPIs of Marketing vertical for delivering Mobile Money service
  • Fig 30: Operator centric Mobile Money Business model
  • Fig 31: Popular Mobile Money services based on Operator centric Business model
  • Fig 32: Bank centric Mobile Money Business model
  • Fig 33: Smart Money mobile banking services in Philippines
  • Fig 34: Payment Network Based Mobile Money Business model
  • Fig 35: Popular Mobile money services based on Payment Network Based Model
  • Fig 36: Over-the-counter distribution based Mobile Money Business model
  • Fig 37: Popular Mobile money services based on Over-the-counter distribution Model
  • Fig 38: Collaborative Model/Multi-consortium Mobile Money model
  • Fig 39: Uses of Osaifu-Keitai
  • Fig 40: Location of Mahindra Comviva customers
  • Fig 41: Global clients of Amdocs & their locations
  • Fig 42: Telenor Pakistan EasyPaisa service
  • Fig 43: Transaction value of EasyPaisa service, 2009-2013
  • Fig 44: Transaction counts of EasyPaisa service, 2009-2013
  • Fig 45: M-Pesa service offering of Safaricom
  • Fig 46: M-Pesa revenue trends, 2012-2015
  • Fig 47: Contribution of various services to M-Pesa revenue, 2012-2015
  • Fig 48: Syrup service by SK Telecom
  • Fig 49: Subscriber growth trend for Syrup, June'11-Jun'13
  • Fig 50: Bhari Airtel's Airtel Money offering
  • Fig 51: Partners of Bhari Airtel's Airtel Money offerings in India
  • Fig 52: MTN Mobile Money offering
  • Fig 53: Vodacom M-Pesa offering
  • Fig 54: Vodacom M-Pesa Active Customers and overall ARPU, 2012-2015
  • Fig 55: Airtel Mobile Money Kiosk in Uganda
  • Fig 56: Airtel Mobile Money App in Uganda
  • Fig 57: Telenor Pakisatan- EasyPaisa Khushal Beema service offering
  • Fig 58: Zaad Mobile money transfer service
  • Fig 59: EcoCash offering in Zimbawbe

List of Tables

  • Table 1: Major Types of Mobile Money Services
  • Table 2: Mobile Financial Services- Key services Offered
  • Table 3: Benefits of Mobile Financial Services to the key Ecosystem Players
  • Table 4: Reasons for Key Stake Holders for being associated with Mobile Financial Services
  • Table 5: Suggestions for Key elements involved in the delivery of Mobile Money services
  • Table 6: Strategies to be adopted for the delivery of Mobile Money services
  • Table 7: Key Activities for developing Mobile Money Business Models
  • Table 8: Key Activities for Successful Mobile Money Business Model development
  • Table 9: Key KPIs for various verticals in delivery of Mobile Money Services
  • Table 10: Key functions to be performed by various verticals in delivery of Mobile Money Services
  • Table 11: Key functions performed Marketing vertical in delivery of Mobile Money Services
  • Table 12: Airtel Money subscriber growth trends in India
  • Table 13: MTN Mobile Money subscribers* in key countries
  • Table 14: MTN Mobile revenue across key countries
  • Table 15: Mobile Money subscribers for various operators in Uganda, 2015
  • Table 16: Telenor Pakisatan- EasyPaisa Khushal Beema service offering details
  • Table 17: Key KPIs of EcoCash service in Zimbawbe, Feb'13-Feb'15
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