Expanding the value proposition of Mobile Money
Expanding the value proposition of Mobile Money
Expanding the value proposition of Mobile Money
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<strong>Expanding</strong> <strong>the</strong> <strong>value</strong> <strong>proposition</strong> <strong>of</strong> <strong>Mobile</strong> <strong>Money</strong><br />
Industry-leading businesses are looking outside <strong>of</strong> traditional revenue models to<br />
leverage mobile money as part <strong>of</strong> a vision <strong>of</strong> a truly connected lifestyle. Join us in<br />
Malaysia to uncover opportunities and perspectives across Asia and transfer best<br />
practices to your own mobile money strategy<br />
w. www.mobile-money-gateway.com/asiamm t. +44 (0) 20 7384 7993 # mobilemoneyhub<br />
Sponsors and exhibitors:
<strong>Expanding</strong> <strong>the</strong> <strong>value</strong><br />
<strong>proposition</strong> <strong>of</strong> <strong>Mobile</strong> <strong>Money</strong><br />
The mobile money<br />
opportunity<br />
continues to increase<br />
exponentially<br />
across Asia as more<br />
innovators roll out<br />
game-changing mobile<br />
payment initiatives.<br />
Many <strong>of</strong> today’s social media users have skipped<br />
<strong>the</strong> PC stage to access <strong>the</strong> internet on <strong>the</strong>ir<br />
mobile devices. E-commerce revenues, including<br />
m-commerce, are rising exponentially.<br />
Economic and technological disparities mean<br />
that <strong>the</strong>re is still a huge opportunity for mobile<br />
network operators and banks to increase<br />
access to financial services to millions <strong>of</strong> under<br />
banked mobile phone users. Cash-in cash- out<br />
transactions, airtime top-up and international<br />
remittances remain key drivers <strong>of</strong> growth across<br />
core Asian marketplaces.<br />
As POS technologies are being deployed and<br />
debated, questions <strong>of</strong> scale, sustainability and<br />
regulation still dominate <strong>the</strong> discourse for mobile<br />
money practitioners across <strong>the</strong> region.<br />
<strong>Mobile</strong> <strong>Money</strong> Asia is your best opportunity to find<br />
out how to expand your service <strong>of</strong>fering in this<br />
complex marketplace. Whe<strong>the</strong>r you are looking to<br />
roll out your first mobile money service, expand<br />
your existing <strong>of</strong>fering or tap into <strong>the</strong> potential <strong>of</strong><br />
Asia’s increasingly tech savvy consumer base,<br />
<strong>Mobile</strong> <strong>Money</strong> Asia is <strong>the</strong> definitive event for you.<br />
Attending will equip you with <strong>the</strong> knowledge<br />
to propel your strategy into <strong>the</strong> next generation<br />
<strong>of</strong> mCommerce.<br />
Benefits <strong>of</strong> Attending<br />
3 Key Benefits for Your Business<br />
• Prepare your business for <strong>the</strong><br />
next generation <strong>of</strong> mCommerce.<br />
Explore strategy from supporting disciplines<br />
and discover new avenues <strong>of</strong> driving revenue<br />
from <strong>the</strong> mobile channel<br />
NEW 2013<br />
Delegate 1-2-1 meeting<br />
system for all registrants.<br />
Book now and start<br />
networking!<br />
• Balance all players’ expectations to ensure <strong>the</strong> maximum<br />
delivery on your deployment for all stakeholders<br />
• Understand where new opportunities are arising as <strong>the</strong><br />
mobile continues to transform <strong>the</strong> payments ecosystem<br />
3 Key Benefits for You<br />
• Discover new ideas and challenge <strong>the</strong> norm: Have<br />
your assumptions re-defined in a series <strong>of</strong> engaging,<br />
forward-thinking conference sessions<br />
• Meet <strong>the</strong> revolutionaries driving <strong>the</strong> next generation <strong>of</strong><br />
mobile payments: Not only can our panel <strong>of</strong> experienced<br />
industry experts <strong>of</strong>fer you practical, hands on advice<br />
to inform and develop your mobile strategy, <strong>the</strong>y are<br />
preparing for <strong>the</strong> future – and taking you with <strong>the</strong>m<br />
• Join <strong>the</strong> discussion! Network with and learn from your<br />
peers in an interactive conference experience. This year<br />
features more panel discussion, question and answer<br />
sessions and roundtables than ever before!<br />
Who you will meet at <strong>Mobile</strong> <strong>Money</strong> Asia 2013<br />
Job function Regional attendance Industry attendance<br />
• CEO, MDs,<br />
General Managers 21%<br />
• <strong>Mobile</strong> <strong>Money</strong><br />
project leaders 20%<br />
• Heads <strong>of</strong> NFC<br />
payments 20%<br />
• <strong>Mobile</strong> Banking<br />
executives 15%<br />
• Technical &<br />
Operations 8%<br />
• Marketing & Business<br />
Development 11%<br />
• Finance &<br />
Compliance 5%<br />
• Asia 60%<br />
• Sou<strong>the</strong>rn 35%<br />
• ROW 5%<br />
• MNOs 29%<br />
• Banks & MFIs 25%<br />
• Retailers 11%<br />
• 3rd party operators 3%<br />
• MTNs and<br />
Exchange houses 7%<br />
• mWallet developers 12%<br />
• Hubs 2%<br />
• Investors 3%<br />
• Regulators 5%<br />
• NGOs 3%<br />
w. www.mobile-money-gateway.com/asiamm
I learned a lot at MMT from quality attendees and speakers who had relevant<br />
knowledge and on-<strong>the</strong>-field experience. We also fast-tracked our business<br />
strategy with meetings with <strong>the</strong> right vendors and prospective partners<br />
Mitchel Roda, Senior Product Manager, Marketing, du<br />
Conference Day One – Tuesday 29 January 2013<br />
9:00 Chairperson’s opening remarks<br />
13:30 Lunch<br />
PANEL<br />
9:10 An examination <strong>of</strong> telco and bank-led business models:<br />
Developing a framework for success<br />
• Alignment <strong>of</strong> stakeholder objectives: Making <strong>the</strong> business case work<br />
• Can third party providers fill gaps in existing business models<br />
• Creating an ‘economy <strong>of</strong> service’ which will focus on <strong>the</strong> consumer<br />
Value Proposition<br />
• Partnership strategies for achieving scale and sustainability<br />
Jakirul Islam, Assistant Vice President & Head <strong>of</strong> Operations-<strong>Mobile</strong><br />
Banking, Dutch Bangla Bank<br />
Karan Henrik Ponndurai, Chief Innovation, Online and Digital Services<br />
Officer, Celcom<br />
Nitin Chittal, Vice President & Head, Direct Banking Group<br />
Naveed Ahmed Choudhury, Head <strong>of</strong> M-Commerce and VAS, Citycell<br />
PANEL<br />
14:30 Driving Consumer Adoption<br />
• Bringing mobile money to market in a fast paced environment<br />
• Differing “Go to Market” strategies: Success stories and leanings<br />
Prashant Gokran, Chief Strategy and Planning Officer, Indosat<br />
Pakiza Mohammed, Manager Enterprise Solutions & <strong>Mobile</strong> Payment, Zain<br />
15:00 Regulatory Frameworks: Best Practice and Strategy<br />
• <strong>Mobile</strong> and payments: Regulatory challenges<br />
• Data, consumers, trust and regulators: The tsunami compliance<br />
• Regulatory frameworks: Multiple countries, multiple demands<br />
JB McCarthy, Development Director, Financial Services Innovation Centre<br />
PANEL<br />
PANEL<br />
10:00 Supply chain disintermediation: Balancing all players’ expectations<br />
• Forecasting ROI: How much should you expect and how quickly<br />
• Examining <strong>the</strong> business case for banking <strong>the</strong> un and underbanked<br />
• Should mobile money be best viewed as augmenting not replacing cash<br />
Fariq Cader, Senior General Manager and New Business Development<br />
for M-commerce, Dialog Telecom<br />
Senior Representative, Citi Bank Malaysia<br />
10:30 Inform and develop your mobile money strategy using insight<br />
from consumer trend analysis<br />
• Developing per active user models to obtain accurate pr<strong>of</strong>iles <strong>of</strong><br />
customer usage<br />
• Grey market services: What can be learned from how <strong>the</strong>se services build<br />
relationships and integrate <strong>the</strong>mselves into <strong>the</strong> remittance ecosystem<br />
• Responding to changes in consumer purchase behaviour in your<br />
mobile strategy<br />
Michael Kuehner, CEO, Robi Axiata Limited<br />
11:15 C<strong>of</strong>fee and networking<br />
11:45 Social <strong>Mobile</strong> Wallets: Igniting a banking-led transformation<br />
from an emerging market’s perspective<br />
• The arrival <strong>of</strong> <strong>the</strong> socially connected payment solutions<br />
• The art <strong>of</strong> making scale and spreading innovations<br />
• Constructing ‘behaviour’ changing versus ‘need’ based payment solutions<br />
Quasif Shahid, Head <strong>of</strong> Remote Banking & Business Development,<br />
MCB Bank Pakistan<br />
12:15 Social mobile payments: The next generation <strong>of</strong> e-commerce<br />
• What is <strong>the</strong> market significance <strong>of</strong> <strong>the</strong> move to purchasing physical<br />
goods via social networks<br />
• Examining <strong>the</strong> effect <strong>of</strong> in-app payments and social group coupons<br />
on <strong>the</strong> bottom line<br />
• What is <strong>the</strong> role <strong>of</strong> search engines and social networks in driving<br />
payment innovation<br />
Quasif Shahid, Head <strong>of</strong> Remote Banking & Business Development,<br />
MCB Bank Pakistan<br />
Fariq Cader, Senior General Manager and New Business Development<br />
for M-commerce, Dialog Telecom<br />
12:45 Social media and <strong>the</strong> virtual goods economy<br />
• Examining <strong>the</strong> effect <strong>of</strong> virtual goods on <strong>the</strong> <strong>value</strong> <strong>proposition</strong> <strong>of</strong><br />
mobile money<br />
• How much will social networkers and gamers drive <strong>the</strong> future <strong>of</strong><br />
mobile money<br />
• How will <strong>the</strong> development <strong>of</strong> social mobile payments affect traditional<br />
revenue models for mobile payments<br />
PANEL<br />
PANEL<br />
15:30 Risk management: Balancing innovation with security,<br />
regulation and data protection<br />
• Developing holistic risk management strategies which protect <strong>the</strong><br />
interests <strong>of</strong> stakeholders and consumers<br />
• Paperless KYC: Simplifying <strong>the</strong> process or increasing <strong>the</strong> risk<br />
<strong>of</strong> fraud<br />
• Standardised IT security: What is <strong>the</strong> role <strong>of</strong> each stakeholder in<br />
creating a secure payment system<br />
Joey V. Mendoza, <strong>Mobile</strong> <strong>Money</strong> & Branchless Banking Result Leader,<br />
USAID<br />
Samee Zafar, Global Lead Partner: Advanced Payments, Edgar Dunn<br />
Saiful Kazi Alam, General Regulatory Manager, Grameenphone<br />
16:00 C<strong>of</strong>fee and networking<br />
16:30 Developing credit ratings to extend financial services to<br />
<strong>the</strong> underbanked<br />
• Examining <strong>the</strong> use case for mobile-usage data-mapping as a credit<br />
ratings system<br />
• Scale up access to finance and achieve development goals through<br />
mobile technology<br />
• Building a fuller credit history for underbanked consumers through<br />
innovative financial products<br />
Omar Moeen Malik, EasyPaisa Business Manager, Telenor Pakistan<br />
17:00 Leveraging <strong>Mobile</strong> Technology for Micr<strong>of</strong>inance: A CARD Bank<br />
Case Study<br />
• Re-engineering operations for maximum efficiencies<br />
• Challenges and opportunities in implementing mobile technologies<br />
for micr<strong>of</strong>inance<br />
• Building a sustainable future for rural and underbanked communities<br />
Leo Tobias, Technology Program Manager, Grameen Foundation<br />
17:30 <strong>Expanding</strong> distribution channels: What’s <strong>the</strong> scope for <strong>Mobile</strong><br />
<strong>Money</strong><br />
• What channels exist beyond agent networks<br />
• Building a holistic map <strong>of</strong> your consumers’ purchase behaviour<br />
in order to identify lucrative channels<br />
• What are <strong>the</strong> implications for mobile money in a commercial<br />
environment<br />
David Kleiman, Consultant, Bank <strong>of</strong> South Pacific<br />
Paolo Baltao, President <strong>of</strong> G-Xchange, Globe Telecom<br />
Fariq Cader, Senior General Manager and New Business Development<br />
for M-commerce, Dialog Telecom<br />
Karan Henrik Ponndurai, Chief Innovation, Online and Digital Services<br />
Officer, Celcom<br />
Registration now open. SAVE up to £500 when you book by Friday 23 November 2012 – Book your place at <strong>the</strong> <strong>Mobile</strong> <strong>Money</strong> event <strong>of</strong> <strong>the</strong> year.
Conference Day Two – Wednesday 30 January 2013<br />
09:00 Chairperson’s opening remarks<br />
13:00 Lunch<br />
PANEL<br />
PANEL<br />
09:10 Moving beyond transaction fees: Driving revenue from<br />
mobile money<br />
• Leveraging existing mobile money services to drive VAS adoption<br />
• Assessing <strong>the</strong> opportunities for premium SMS as part <strong>of</strong> your mobile<br />
money strategy<br />
• What can be done to maximise revenue opportunities in more<br />
traditional P2P, B2B, C2C business models<br />
• What are <strong>the</strong> marketing, rewards and loyalty opportunities that can<br />
be leveraged using mobile payments channels<br />
Ashis K. Sharma, Head <strong>of</strong> Payment Solutions, Siddhartha Bank Limited<br />
Paolo Baltao, President <strong>of</strong> G-Xchange, Globe Telecom<br />
Omar Moeen Malik, EasyPaisa Business Manager, Telenor Pakistan<br />
10:00 <strong>Mobile</strong> payments and POS technology: Examining <strong>the</strong><br />
developments driving mobile trends<br />
• Evaluating recent POS deployments and assessing <strong>the</strong>ir effectiveness<br />
and uptake<br />
• How will POS technologies develop and how will this development<br />
affect different verticals<br />
• Understanding how different POS technologies will impact mobile<br />
money adoption<br />
Naveed Ahmed Choudhury, Head <strong>of</strong> M-Commerce and VAS, Citycell<br />
10:30 Introducing <strong>the</strong> next generation <strong>of</strong> mobile credit and prepaid<br />
transit card services in Korea<br />
• Innovations between NFC payments and transit technologies<br />
• Implications for <strong>the</strong> widespread adoption <strong>of</strong> mobile wallets across<br />
different verticals<br />
• Driving adoption <strong>of</strong> new services across <strong>the</strong> entire customer base<br />
Eunseok Kim, Deputy Director, Korea Telecom<br />
PANEL<br />
14:30 Building an interoperable cross-network services<br />
which ensures maximum reach and sustainability<br />
<strong>of</strong> your agent network<br />
• Balancing competition concerns against market incentives to<br />
manage your investment when creating agent networks<br />
• Developing a framework to ensure that agent networks meet all<br />
players’ standards <strong>of</strong> compliance<br />
• Interoperability as a tool for overcoming stagnant growth and<br />
entering new marketplaces<br />
Ashish Desai, Head <strong>of</strong> Retail Banking, First Rand Bank<br />
15:00 Selecting, recruiting and incentivising a network <strong>of</strong> mobile<br />
money agents<br />
• Leveraging airtime distribution channels, engaging a field support<br />
agency, or adopting aggregator models: What should your agent<br />
network look like<br />
• Homogeneity vs. heterogeneity: Why key market players are choosing<br />
to diverge from <strong>the</strong> mPesa model<br />
• Advantages and disadvantages <strong>of</strong> in-house and outsourced agent<br />
recruitment strategies<br />
• Building consumer trust through agent selection and branding<br />
• Collaborating with donor funded development projects to leverage<br />
<strong>the</strong>ir status as trusted intermediaries<br />
Joey V. Mendoza, <strong>Mobile</strong> <strong>Money</strong> & Branchless Banking Result Leader,<br />
USAID<br />
Jakirul Islam, Assistant Vice President & Head <strong>of</strong> Operations-<strong>Mobile</strong><br />
Banking, Dutch Bangla Bank<br />
Nitin Chittal, Vice President & Head, Direct Banking Group<br />
Prashant Gokran, Chief Strategy and Planning Officer, Indosat<br />
15:30 C<strong>of</strong>fee and networking<br />
PANEL<br />
11:00 C<strong>of</strong>fee and networking<br />
11:30 What is <strong>the</strong> business case for NFC<br />
• Re-creating <strong>the</strong> merchant acceptance network vs. POS rollout<br />
• What lessons can emerging marketplaces take from <strong>the</strong> NFC giants<br />
<strong>of</strong> <strong>the</strong> developed world<br />
• Understanding where and how NFC should be deployed in <strong>the</strong><br />
payments network to give greatest return<br />
Tricia Dizon, Head <strong>of</strong> Smart Financial Services, Smart<br />
12:00 Cloud-based wallets: Examining different approaches and<br />
implications for adoption<br />
• In which markets have cloud based wallets seen <strong>the</strong> highest uptake<br />
rate and why<br />
• Comparing cloud based wallets to device/sim based wallets<br />
• Examining <strong>the</strong> business case for <strong>the</strong> delivery <strong>of</strong> targeted<br />
advertisements in-app<br />
12:30 The Future <strong>of</strong> Contactless<br />
• Which technologies will ‘win’ and what factors will determine<br />
<strong>the</strong>ir success<br />
• Which is <strong>the</strong> right solution for increasing <strong>the</strong> adoption <strong>of</strong><br />
mobile payments<br />
• What is <strong>the</strong> right ‘go-to-marke’ strategy for contactless<br />
payment initiatives<br />
Tricia Dizon, Head <strong>of</strong> Smart Financial Services, Smart<br />
Quasif Shahid, Head <strong>of</strong> Remote Banking & Business Development,<br />
MCB Bank Pakistan<br />
Eunseok Kim, Deputy Director, Korea Telecom<br />
PANEL<br />
16:00 Efficiently managing agent networks<br />
• Taking <strong>the</strong> business case for <strong>the</strong> agent into account when discussing<br />
agent sharing strategies<br />
• Agent incentivisation: Best practice strategies to drive agent adoption<br />
• Agent training strategies and management: Who<br />
assumes responsibility<br />
• Determining what percentage <strong>of</strong> total revenue should be allocated to<br />
your agents<br />
David Kleiman, Consultant, Bank <strong>of</strong> South Pacific<br />
Ashish Desai, Head <strong>of</strong> Retail Banking, First Rand Bank<br />
Michael Kuehner, CEO, Robi Axiata Limited<br />
16:30 Utilising advertising models to monetise outside <strong>of</strong> your<br />
subscriber base<br />
• Examining <strong>the</strong> move <strong>of</strong> mCommerce from <strong>the</strong> point <strong>of</strong> sale to <strong>the</strong><br />
point <strong>of</strong> decision<br />
• Using predictive and propensity models to deliver a range <strong>of</strong> <strong>value</strong><br />
added services<br />
• Maximising <strong>the</strong> commercial/revenue potential <strong>of</strong> location based<br />
mobile marketing services<br />
t. +44 (0) 20 7384 7993
MOBILE<br />
MONEY<br />
ACADEMY<br />
Make <strong>the</strong> most <strong>of</strong> your conference experience by attending<br />
our pre- and post-conference workshops. Receive handson,<br />
practical advice from key players in <strong>the</strong> mobile money<br />
marketplace; understand <strong>the</strong> movements <strong>of</strong> <strong>the</strong> market and how best to adapt<br />
your strategy to address <strong>the</strong> pressing regional concerns.<br />
PRE-CONFERENCE WORKSHOP<br />
• Efficient strategies for recruiting, managing and<br />
incentivising your agent networks<br />
• Overcoming <strong>the</strong> barriers surrounding regulatory<br />
frameworks – no matter <strong>the</strong> marketplace<br />
• Business models and best practice strategies for<br />
rolling out your mobile money service<br />
• Driving consumer adoption: Building frameworks<br />
for success<br />
POST-CONFERENCE WORKSHOP<br />
• mCommerce: Preparing your strategy for <strong>the</strong> next<br />
generation <strong>of</strong> payments<br />
• Social mobile payments: Social wallets, in-app<br />
payments, gaming and virtual goods: How to<br />
monetise <strong>the</strong>m efficiently<br />
• NFC: Maximising applications in retail, transport<br />
and beyond!<br />
• Non-traditional revenue streams in mobile money:<br />
Monetising outside <strong>of</strong> transaction fees<br />
Sponsors and Exhibitors:<br />
Sponsorship Opportunities<br />
Participate in <strong>Mobile</strong> <strong>Money</strong> ASIA Conference &<br />
Expo 2013 to put more qualified leads into your<br />
sales pipeline.<br />
Talk to us TODAY about securing your place at<br />
our forthcoming events. Contact Manoj Nardani,<br />
Commercial Director on +44 (0) 20 7384 7949 or<br />
manoj.nardani@clarionevents.com<br />
Associations and Media Partners:<br />
w. www.mobile-money-gateway.com/asiamm t. +44 (0) 20 7384 7993
Group discount<br />
Register two<br />
delegates and get <strong>the</strong><br />
third half price.<br />
Register by Friday 23rd November 2012 and SAVE up to £500 – Book now!<br />
T: +44(0) 20 7384 7993 E: mmtapac@clarionevents.com W: www.mobile-money-gateway.com/asiamm<br />
Regular visitors to <strong>the</strong> <strong>Mobile</strong> <strong>Money</strong> Asia event<br />
Accenture<br />
Accion International<br />
Afghan Wireless TSI<br />
Alalay Sa Kaunlaran ASKI Inc<br />
Alliance for Financial<br />
Inclusion<br />
Amanah Ikhtiar Malaysia<br />
Amarante Consulting<br />
Amdocs Billing Pte<br />
AMK Co Ltd<br />
ANZ Banking Group<br />
Asian Development Bank<br />
Avisotech Inc<br />
Avorniga Technologies Ltd<br />
Bakrie Telecom<br />
Banco De Oro<br />
Bangko Kabayan<br />
Bangko Sentral Ng Pilipinas<br />
Banglalink<br />
Bank Andara<br />
Bank Negara Malaysia<br />
Bank Of Ceylon<br />
Bank Of Indonesia<br />
Bank <strong>of</strong> South Pacific<br />
Bank <strong>of</strong> South Pacific Limited<br />
Bank <strong>of</strong> <strong>the</strong> Philippine Islands<br />
BarclayCard<br />
Bharti Airtel<br />
BICS SA<br />
Bloomberg News<br />
Business Breakthrough<br />
University<br />
Businesswise Sa<br />
Cantillan Bank<br />
Carnegie Mellon University<br />
Catolica Lisbon School Of<br />
Business And Economics<br />
Celcom Malaysia Berhad<br />
Cellular Operators<br />
Association <strong>of</strong> India<br />
CGAP<br />
Citi<br />
Citibank<br />
Citycell<br />
Commercial Bank <strong>of</strong> Ceylon<br />
PLC<br />
CP All Public Company Ltd<br />
Deutsche Bank<br />
Deutsche Gesellschaft<br />
Fur Internationale<br />
Zusammenarbeit Gmbh<br />
Dhasatra<br />
Dialog Axiata<br />
Dialog Telekom Plc<br />
DiGi Communications<br />
Digicel Pacific Ltd<br />
Domain Consulting<br />
du<br />
Dutch Bangla Bank<br />
EastNets Remittance<br />
Company<br />
Edgar Dunn and Company<br />
Eko India Financial Services<br />
Private Ltd<br />
eServ Global<br />
eServ Global Indonesia<br />
Etisalat Afghanistan<br />
Exicon<br />
Experian Singapore Pte Ltd<br />
Experian Microanalytics<br />
Fairchild McMorran<br />
Financial Inclusion Network<br />
& Operations (FINO)<br />
First Rand Bank<br />
FirstMutual MicroFinance<br />
Bank<br />
FIS<br />
Flexpacific<br />
GFG Group<br />
Globe Telecom Inc<br />
GM Bank<br />
Grameen Foundation<br />
Grameenphone Limited<br />
Green Bank<br />
GTZ Bank Indonesia<br />
G-Xchange<br />
ICICI Bank Ltd<br />
IFC - World Bank<br />
Indosat Indonesia<br />
Infocomm Development<br />
Authority <strong>of</strong> Singapore<br />
Insa<br />
Interflex Co, Ltd<br />
Korea Telecom<br />
KVB<br />
KY<br />
La Poste Sa<br />
Loose Wire<br />
M Servise JSC<br />
MABS Program Philippines<br />
Margdarshak<br />
MasterCard Worldwide<br />
Maxis Communications<br />
Berhad<br />
Maybank<br />
MCB Bank<br />
Mindanao Economic<br />
Development Council<br />
MobiFinance<br />
Mobifinance NBFI<br />
<strong>Mobile</strong> Financial.Com<br />
<strong>Mobile</strong> Payment Forum <strong>of</strong><br />
India (MPFI)<br />
<strong>Mobile</strong> Union Ltd<br />
Mobilink Telecom Group<br />
National Bank <strong>of</strong> Egypt<br />
Nationwide Microbank Ltd<br />
Nepal Telecom<br />
Nokia<br />
NTT Docomo<br />
Nusantara Artha <strong>Mobile</strong><br />
Oceanic Communications<br />
Ltd Group<br />
Orange Labs<br />
Payment Exchange<br />
Petra Financial Ltd<br />
Philippine Rural Banking<br />
Corp<br />
Planet Guarantee<br />
Post PNG<br />
PT Indosat Tbk<br />
PT Smartfren Telecom Tbk<br />
PT. <strong>Mobile</strong> Coin Asia<br />
Punjab National Bank<br />
Qspan Technologies Ltd<br />
Reserve Bank Of Fiji<br />
Reserve Bank <strong>of</strong> India<br />
Robi Axiata<br />
Rural Bankers Association Of<br />
The Philippines<br />
Rural Bankers Research &<br />
Development Foundation Inc<br />
Safaricom<br />
Salaam Africa Bank<br />
Saraswat Bank<br />
Seidco Communications Llc<br />
Selcom Wireless<br />
ShoreBank International Ltd<br />
Sicap Asia Pacific Pte. Ltd.<br />
Siemens<br />
Singtel<br />
Sky Broadband<br />
Smart Communications Inc<br />
Smart Telecom PT<br />
S<strong>of</strong>tbank Japan<br />
S<strong>of</strong>tbank Payment Service<br />
SpiceDigital<br />
Standard Chartered Bank<br />
StarHub<br />
State Bank <strong>of</strong> Pakistan<br />
State Bank Of Vietnam<br />
STC<br />
Swaadhaar Finserve PTY LTD<br />
Swift<br />
Tatatel<br />
TelecomWatch<br />
Telekom PNG Ltd<br />
Telenor<br />
Telesom<br />
Telstra<br />
Telstra Entrprise and<br />
Government<br />
Telupay Philippines Inc<br />
TenGer Solutions LLC<br />
Tiaxa Ltd<br />
Times <strong>of</strong> <strong>Money</strong><br />
T-mobile International<br />
TootPay Sdn Bhd.<br />
Trinity Finance - SFdP Group<br />
Tulay sa Pag-Unlad, Inc.<br />
U Generation <strong>Mobile</strong><br />
Solutions Pvt Ltd<br />
Ukash<br />
Union <strong>Mobile</strong> Pay Ltd<br />
Unionbank<br />
Unionbank <strong>of</strong> <strong>the</strong> Philippines<br />
United Bank Ltd<br />
United States Agency for<br />
International Development<br />
USAID<br />
Visa<br />
Visesh Infotecnics ltd.<br />
VIVA Bahrain<br />
Vodafone Essar<br />
Vodafone Fiji Ltd<br />
Wells Fargo<br />
Western Telecom Ltd<br />
Western Union<br />
Wing Cambodia<br />
World Bank<br />
XAC Bank<br />
Xoom Corp<br />
Xpressmoney<br />
Yes Bank<br />
Zain<br />
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