Tuesday, January 10, 2012
Each player must assess, based on its strategic objectives, the risk he is willing to incur and also the regulatory framework imposed, he intends to occupy the position on the various links in the value chain of the m-payment (marketing, distribution, order processing, invoicing ...). It can also pass through the entry of third-party entities, which are the link between the banking and telecom players. The issue of interbank arises also at the heart of the debate. Again, several options should be examined, such as the establishment of a proprietary or a partnership with an international network. At the heart of this problem: the cost of fees charged and the conditions of access to clearing systems. The risk to develop several communities’ compartmentalized payments (by bank or operator) can not be excluded and would greatly reduce the potential scope of m-banking offerings. Finally, the question of the customer experience will again be crucial, both in terms of value added services offered, pricing grid, but also simplicity of the customer experience.