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Mobile Remittance 2010: Including trends in Mobile Banking
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| Features of this market research: |
CHAPTER- 1 Introduction 1.1 Disruptive innovations 1.2 Need for speed with more safety and convenience 1.3 The shift of the epicenter 1.4 The changing face of humanity 1.5 The huge potential 1.6 Potential pitfalls 1.7 The current market Figure: M- Wallet Usage for Remittances Forecast (Worldwide)(2008- 2012) 1.8 Focus of the report 1.9 For whom is the report? CHAPTER 2- Global Remittances 2.1 The Critical Macroeconomic Role of Remittances 2.2Global Data Figure: Remittances as a percentage of country's GDP (53 countries considered) 2.3 Effect of the economic crisis on Global Remittances 2.4 Trends in Global Remittances Figure: Global remittances trends and forecasts (distribution by country's income level, 2006-2015) Figure: Annual growth rates for global remittances (2006-2011) Figure: Figure: Global remittances trends and forecasts (distribution by region, 2006-2014) 2.5 Factors affecting Global Remittances 2.5.1 The Economic Crisis 2.5.1.1 Returning migrant stock 2.5.1.2 New migrants Figure: Migrant employment in UK by country of birth(2002-2009) Figure: Migrant population in US by country of birth(1990-2008) 2.5.1.3 Resulting scenario Figure: Growth in Global Migrant Stocks(1960- 2050) Figure: Annual Net Migrants to more developed regions(1950- 2050) 2.5.2 Efforts by migrants to maintain remittance 2.5.3 Volatile currency effects and government credit ratings Figure: Currency appreciation in the major remittance-receiving countries Figure: Effect of interest rates of Government Bonds 2.5.4 High base effect 2.6 Major remittance corridors Figure: Major world remittance corridors 2.7 Remittance Channels Figure: Remittance channels 2.8 Remittance motive Figure: Remittances and capital flows to developing countries(2000- 2012) 2.9 Major remittance companies Figure: Market share of P2P Money Transfer companies- 2009 3. Mobile Remittances 3.1 Why M- Banking 3.1.1 Inadequate Servicing of Remittance by Existing Mechanisms Figure: US & UK Remittance Transaction Fees- 2009 3.1.2 Problems in reducing costs and an avenue for M- Banking 3.1.4 Poor financial infrastructure in developing economies 3.1.3 Participation in the formal vs. informal economy 3.2 Mobile penetration globally- Forecasts Figure: World's mobile subscribers forecast (2000- 2015) 3.2.1 Major Growing mobile markets- Forecasts 3.2.1.1 Forecast for India- 2015 Figure: Indian mobile market forecast (2005- 2014) 3.2.1.2 Forecast for China- 2015 Figure: Chinese mobile market forecast (1999- 2015) 3.2.1.3 Forecast for Indonesia- 2015 Figure: Indonesian mobile market forecast (2000- 2015) 3.2.1.4 Forecast for Brazil- 2015 Figure: Brazilian mobile market forecast (2000- 2015) 3.2.1.5 Forecast for Africa- 2015 Figure: African mobile market forecast (2002- 2015) 3.3 Mobile Remittances 3.3.1 Present Scenario 3.3.1.1 Smart Telecom mWallet Services, Philippines 3.3.1.1.1 Smart Padala Remittance: 4 years of success Figure: Smart Padala Remittance Partners and Locations Overseas 3.3.1.2 Globe Telecom, Philippines 3.3.1.2.1 GXI - Globe's M-Commerce Subsidiary Figure: International GCASH REMIT Partners 3.3.1.3 Vodafone's M- PESA 3.3.1.3.1 Safaricom and M-PESA: m-transaction as a precursor to wider cross-border mobile remittance 3.3.1.3.2 M-PESA Adoption Curve 3.3.1.3.3 M-PESA Adoption Drivers 3.3.1.3.4 The M-PESA Service Model 3.3.1.3.5 M-PESA Expansion and International Implementation by Vodafone 3.3.1.3.6 Vodafone and Citigroup/Citibank global agreement 3.3.1.4 Bharti Airtel and Western Union Pilot Project Figure: Western Union- number of agent locations worldwide, 2008 3.3.1.5 The GSM Association Mobile Money Transfer (MMT) Initiative 3.3.1.5.1 MMT: Attempt at creating a Multilateral Remittance Framework Table Options for the Implementation of Multilateral MMT Hub Platforms 3.3.1.5.2 Partnerships 3.3.1.5.3 GSMA-Western Union Partnership Table GSMA MMT Working Group Members 3.3.1.5.4 GSMA-MasterCard Partnership 3.3.2 Future developments 4. Technology aspect of mobile remittance 4.1 Evolving technologies to aid mobile remittances 4.1.1 The Development of M-transaction 4.1.2 Device Convergence 4.1.3 Convergence Embraces Mobile Transaction Figure: M- Commerce 4.1.4 Low-cost handsets Figure: Ultra Low Cost shipments, per annum, by region, 2009- 2014 4.1.5 SMS Banking Figure: SMS Banking Framework 4.1.5.1 Prime Disadvantages of SMS Banking Figure: Vulnerable points of SMS Banking 4.1.6 STK-enabled Mobile Transaction Figure: STK application communication channel 4.1.7 IVR Banking Service Delivery Figure: IVR Banking Framework 4.1.8 USSD/USSD2 Figure: USSD flow paths 4.1.9 WAP Service Delivery Figure: WAP delivery service model 4.1.10 Service Delivery via J2ME Apps Figure: Service Delivery via J2ME Apps 4.1.11 mWallet Figure: Mobile Wallet Enabler Topology 4.1.12 Conclusion: Technology Options 4.2 Evolving Business Models and Service Models- Mobile Remittance 4.2.1 Business models Figure: Mobile Remittance Value Chain 4.2.1.1 Mobile Operator as Bearer Channel Provider Figure: MNO as Bearer-only Business Model 4.2.1.2 Mobile Operator as Bearer and Banking Application Figure: MNO Banking Application Host Business Model 4.2.1.3 Integrating Banks/Financial Institutions into Mobile Operator Hosted Platforms Figure: Business Model for an MNO as a Banking Hub Figure: Topology of the MNO as Banking Hub Model 4.2.1.4 MNO Adoption of Financial Institution Status Figure: Financially-licensed MNO model with MNO positioned as beneficiary 4.2.1.5 Summary of MNO Business Model Options 4.2.2 Business Model Options for Financial Institutions 4.2.3 Service Models 4.2.3.1 m-Wallet to m-Wallet Figure: mWallet-to-mWallet Transaction Process 4.2.3.2 m-Wallet to Cash Figure: mWallet-to-Cash Transaction Process 4.2.3.3 Cash to mWallet Figure: Cash-to-mWallet Transaction Process 5. The Business Potential of remittance markets 5.1 Major domestic mobile remittance markets 5.1.1 Kenya 5.1.1.1 M- PESA offers 5.1.1.2 Growth in Kenyan mobile industry Figure: Kenyan mobile industry (2003- 2012) 5.1.1.3 Kenyan mobile remittance market forecast Figure: Number of registered users, M- Pesa (2007- 2012) Figure: M- Pesa market adoption (2007-2012) 5.1.2 Philippines 5.1.2.1 Smart Money Figure: Smart money (number of users) (2000-2015) 5.1.2.2 G- Cash Figure: G- Cash (number of users) (2004-2015) 5.2 Potential mobile remittance markets 5.2.1 Methodology 5.2.2 The Financial Inclusion Index 5.2.3 Mobile remittance potential index 5.2.4 Results Table- Mobile Remittance Potential Index (68 countries) Table- Classification by Mobile Remittance adoption potency Figure: Low Mobile Remittance adoption potential countries Figure: Medium Mobile Remittance adoption potential countries Figure: High Mobile Remittance adoption potential countries 5.3 Conditions necessary for mobile remittance to flourish Figure: Conditions necessary for adoption of mobile remittance 5.4 Competitive forces in the mobile remittance market 5.4.1 Porter's Five Forces Figure: Porter's five forces- Model 5.4.2 The five directions of competition- Explained 5.5 Regulatory issues in mobile remittance 5.5.1 Interplay between two regulatory frameworks- Financial regulations and telecommunication laws. 5.5.2 Regulatory Issues 5.5.3 Assessing a country's regulatory framework Figure: Checklist for assessing a country's regulatory framework for introduction of MMT services. 5.5.4 Impact of regulation on choice of business model Figure: Business Model Selection Framework 5.6 Entry and setup process for mobile remittance in a country Figure: Greenwich Consulting MMT services market entry strategy 6. Forecast of mobile remittances- Worldwide 6.1 Forecast by region Figure: Number of mobile users making national transfers split by 8 key regions (2009- 2014) 6.2 Forecast by channels Figure: Forecasts by remittance channel volume (2009- 2015) Figure: Comparision of forecasts for remittance channel by value (2009- 2015) 6.3 Forecast by country Figure: Comparative mobile remittance forecasts fopr recipient countries (2009- 2015) 7. Mobile Banking 7.1 The new way of banking Figure: Future of mobile banking 7.2 Emerging business models Figure: comparative overview of mobile channel platforms 7.2.1 SMS Banking Figure: SMS banking model 7.2.2 Mobile Web Figure: Mobile web banking model 7.2.3 Mobile Client Applications 7.2.3.1 JAVA Environment 7.2.3.2 Binary Runtime Environment Figure: Safaricom's Mobile banking Client platform 7.2.4 SMS with Mobile Web Figure: SMS with Mobile Web banking snapshot 7.2.5 Secure SMS Figure: Secure SMS snapshot 7.3 Potential threats of Mobile Banking 7.4 Future prospects of Mobile Banking - Till 2012 7.4.1 Mobile money transfer Figure: Global state of Financial Inclusion 7.4.2 Mobile banking adoption Figure: Mobile Banking: Transactional Users - 2011 Regional Forecast (%) 7.5 Market forecast for mobile money transfer and mobile banking. Figure: Total customers for mobile money transfers and mobile banking (2009- 2014) 8. Industry effects and macroeconomic effects 8.1 Implications for the traditional banking industry 8.1.1 From the Bank to the Mobile 8.1.2 Basic necessities for Banks 8.1.3 Motivation 8.1.4 A threat to obsolescent banking industry 8.2 The macroeconomic effect 8.2.1 Effect on GDP by increased mobile penetration 8.2.2 Role of Governments Figure: Economic impact of mobile phones on GDP (2005-2015) 8.2.3 Estimation of economic impact due to mobile banking 9. Conclusion 9.1 A necessity for economic development equals high consequential take-up 9.2 The need for regulatory harmonization and accommodation- mobile remittance 9.3 Standardisation as an achievable goal 9.4 Which form of mobile transaction platform will emerge as the most common? Mobile banking and mobile remittance 9.5 Danger of regulations 146 seiten | |||||||||||
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