Friday, January 20, 2012
Positioning and game players of Mobile banking
Before the outbreak of the value chain, which will no doubt encourage greater competition and the arrival of third actors in the market, banks and telecom operators will be required to define their strategy and their positioning. One of the key points is the estimated return on investment, for which the measure should take into account the direct gains but also all the effects of training related to the increase of banking. Indeed, the issue of such offers goes beyond the technological factor or fad to be a real growth opportunity for the nation as a whole.
In this context, it is not impossible to witness the creation of package deals, exported from one country to another. In any case, the path followed by etransact, located in Ghana, Nigeria, Zimbabwe, and whose development is expected in Uganda, Sierra Leone and Côte d'Ivoire. Note also that, regardless of whether the diversity of services offered mobile banking from one country to another, users mainly use the functions of transfers and payments for goods and services. The development of package deals may still run into the organization and regulation of national payment systems, from one country to another.
Moreover, central banks are closely monitoring the various initiatives in order to avoid seeing the development of virtual systems outside of the financial system in place. Aspects of compliance, money laundering and the fight against terrorist financing are elements in the center of concern in the context of these new offerings.