gsma hongkong presentation by mr. neel chowdhury, cmo, obopay

MMT GlobalDeepak Chandnani, CEO Obopay INC

Welcome to fast, convenient mobile money.

Mobile Asia Congress 2011 Neel Chowdhury, CMO, Obopay INC

Obopay: What we do

Obopay delivers customized solutions that enable market makers to offer their own branded mobile money services.

One global platform with customized delivery by partner/region.

End-to-End managed services: low cost of entry, rapid time to market

Digital Wallets Money Transfer (P2P) Disbursements Bill Pay

Minutes Top up Cross Border Remittance

M & E Commerce And more …with customization capabilities to meet partner needs.

Corporate Website Like us on www.facebook.com/ObopayMobilePayments

https://www.obopay.com/corporate_website/index.php

http://www.facebook.com/ObopayMobilePayments

Global Company: Redwood City CA (HQ), Paris, Bogota, Mumbai & Bangalore. Actively engaged with partners poised to expand into new geographies.

Obopay: Who we are

Investors: Alliance Bernstein, Redpoint, Qualcomm, Onset, Richmond Management, Wolfensohn & Co, Essar, Citi, SG, Nokia.

Employees: 250+, primarily focused on technology, customer delivery, and operations.

Platform: Resilient, scalable Java-based platform with customized delivery capabilities unique to partners in developed and emerging markets.

Partners: Go to market with partners in all geographies. Partners include Nokia, Societe Generale, MasterCard, FIS, Star (FDI).

PAYMENT NETWORKS

HANDSET MANUFACTURERS

RETAILERS

MNOs

BANKS

Corporate Website Follow us on http://twitter.com/Obopay


http://twitter.com/Obopay


Live Services around the world

MasterCard Money Send

STARMobile Moneyfor Banks

FISPeople Pay

Leading InsuranceCompany ObopayDisbursements Nokia Money

Union Bank Money

Yes Bank Money

Yoban’tel

yuCash by Obopay

NO

RT

H A

ME

RIC

A

AF

RIC

A

IND

IA

Corporate Website Read our http://blog.obopay.com


http://blog.obopay.com/


PREPAIDPLATFORM

Obopay: Platform for Universal Payments

Mobile Consumer Mobile Agent Web Applications Obopay Connect (SSO) Web Services APIs

UNIVERSAL ACCESS

MULTI-TENANTPREPAID

PLATFORM

UNIVERSALCONNECTIVITY

SECURE

Application and Use Case Business Logic

Multi-Tenant Partner Management

Digital Wallet

Pooled Stored Value Accounts

User & Tx Data

ManagementReporting

Security Compliance Fraud

Financial Network

Connectors

Communication Network

Connectors

Payment Network

Networks

Tool Message

Email

Social Networks

Authorization

Processing

Settlement

Multi Tiered Agent Network Management

Corporate Website Join us on www.linkedin.com/company/obopay


http://www.linkedin.com/company/obopay

One size does not fit all




You will leave your customers perplexed





Emerging Vs Developed markets

DEVELOPED MARKETS DEVELOPING MARKETS

ACCESS MODES

WALLET TYPES

MARKETPRESENCE

GPRS CDMA WAP DownloadableApp

NFC

Linked to Credit / Debit card

Square

Prepaid Cash

Google Wallet

Mapped to bank A/C’s

STK USSD SMS/IVR Native APP WAP

Mpesa Gcash Nokia Money





Evolution




Use Cases Evolution

Top up Billpay

P2PP2M Offlinemerchants

Salary Disbursements

Government payments

Online Merchants

Micro Deposits

Micro Insurance

Time




Source : http://www.cgap.org/gm/document-1.9.36723/BR_Poor_People_Using_Mobile_Financial_Services.pdf ^The 2009 FinAccess survey (FSDT [2009a], p. 16) confirmed that 40% of adults had used M‐PESA/

The Consumer

Type of consumer & their behaviour Environment Access to

Agent/Merchants

Urbansenders

Urban & Ruralreceivers

Network effect through influencers

Storage mechanism withenough residual balancekept for transactions

Higher usage frequency

Increased Money flow

Security & Theft

Cash Management

Reach & Distribution

Float Management

Commission structure





Full Access to fin. products Medium - very high value txns. Fully diversified spend patterns

Limited Access to fin. products Medium - high value txns. Moderately diversified spend

patterns

No Access to fin. products Low value txns. Restricted spend patternsEM

ERG

ING

MARKET

S

DEV

ELOPED

MARKETS

BANKED

UN-BANKED

UNDER-BANKED

BANKED

UN-BANKED

UNDER-BANKED

To meet the complexities and challenges of the market you need a flexible, powerful suite of offerings to address the wide range of opportunities

The challenge is to create a mobile wallet to address all market segments





Predicting the future - Down the rabbits hole ?




Collaboration




Differentiation





Delivery





Managed Service Licensed Platform

Obopay• Develop, integrate maintain the platform

• Operate & host the service

Partner• Manage go-to-market & settlement, regulatory

compliance, customer /agent enrollment & service

• Bear fraud risks

Example

• US/MasterCard, Senegal/SG

Obopay• Develop, integrate maintain the platform

Example

• Kenya / Essar

Partner• Operates, hosts the service, manages the go-to-

market, regulatory compliance, customer/agent enrollment & service

• Bear fraud risks

Business Models




Bringing it all Together

• Universal

• Ubiquitous

• UI

Consumer Linkages

GTM

Platform• High Performing

• Efficient

• Global

• Eco-system approach

• Direct integrations

• Inter-operable

• Investment in branding, distribution and operations

• Strategic partnerships

• Appetite to stay the course

Mass Market Offerings Drive Volume/Profitability Create Largest/Network Effect




The possibilities are endless





@Obopay @Neelspeak

www.obopay.com

Thank you

www.linkedin.com/company/obopay



www.facebook.com/ObopayMobilePayments



http://twitter.com/


gsma hongkong presentation by mr. neel chowdhury, cmo, obopay

Technology