Mobile Banking Services In Africa: The Emergence of Mobile Savings, Credit and Insurance
|出版日期||內容資訊||英文 28 Pages
|非洲的行動銀行服務：行動儲蓄、信用、保險的崛起 Mobile Banking Services In Africa: The Emergence of Mobile Savings, Credit and Insurance|
|出版日期: 2015年09月30日||內容資訊: 英文 28 Pages||
行動金融市場急速進化。在非洲地區，行動銀行服務 (包含儲蓄、信用、保險的) 抬頭。
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.
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.
'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.
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.