Mobile applications in emerging markets

Disruptive Mobile Technologies

Mobile applications in emerging markets

My MicroAgenda (10 slides 10 minutes)

Disruption Pays – Predictions and Profiting Snapshot of mobile money around the World Case study of a disruptive follower: Zain

“It is not the strongest of the species that survives, nor the most intelligent that survives. It is the one that is the most adaptable to change.” - Darwin

Disruptive technology

Disruption Pays

Source: http://www.disruptivetechnologies.com/

RED 73 LIVE DEPLOYMENTSBLUE 87 PLANNED DEPLOYMENT

Source: GSMA Mobile Money Tracker to August 2010

Mobile Money Deployments Launched in Developing Countries Since 2003

Zain’s ‘Zap’ in East Africa

Zain won the “Mobile Money for the Unbanked” award at Mobile World Congress last year.

Zain, the leading network operator in the Middle East, has won the ‘TelecomFinance Middle East and Africa Deal of the Year award’ for the sale of its Africa assets to Bharti Airtel in June, 2010 for US$10.7 billion.

Zain crowned ‘Best Brand’ at prestigious Middle East Telecom Awards. With ‘A wonderful world’ slogan and core values of Heart, Radiance and Belonging, Zain is a brand that has caught the imagination of the whole region and perfectly reflects the aspirations and thinking of its customers and the telecom industry at large.”

Source: GSMA “A Closer Look at ‘Zap’ in East Africa, 2010

Differentiators

1. Lower transaction fees

2. Multiple services

3. Focus on corporate customers

4. Commission model

Summary

Mobile + Marketing + Momentum = Profit

Mobile Operators + Banks + Agents + Unbanked = Profitable Partnerships

The story has only just begun...