MEF MINUTE Quarterly Issue 1

THE MAGAZINE OF THE MOBILE ECOSYSTEM FORUM
APRIL 2021 | ISSUE NO. 01
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Members Update
MEF CONNECTS, MEFFYS & AGM
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Is Covid The “Big Bang” of Digital Payments?
GDPR Fines: a 40% Increase in 2020
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Ready, Steady, 5G: a quick uptake expected,
but what will be the impact?
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C
NTENTS
A MESSAGE FROM THE CEO
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MEMBERS UPDATE
New Members
New Board for 2021
EVENTS
MEF Calendar
MEF Connects
Meffys 2021
Webinars
Working Groups
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INSIGHT
MEF Reports
Is COVID the “BIG BANG” of Digital Payments?
GDPR Fines: a 40% increase in 2020
Interviews
Ready, Steady, 5G: A quick uptake expected, but
what will be the impact?
Q1 2021 MEF business confidence index: sentiment
is high but winter is coming…
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INITIATIVES
Anti-Fraud, Interconnection, Trust
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ABOUT MEF
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A MESSAGE FROM THE CEO
Dear Members,
I hope you will enjoy our first MEF MINUTE QUARTERLY
magazine, it is based on members’ requests to find
out all of the activities and topics that we cover in an
easier fashion. So here you will find some reminders of
what we have done in the quarter and what we will be
doing next. As always your feedback will help us
shaping this just like the our website, monthly and
weekly email.
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The year has opened with more somber news in
terms of the pandemic but growth in most of the
mobile ecosystems is continuing strong (see our
Business Confidence Index). Digitalisation and mobility
are the key elements for consumers and enterprises’
response to economic recovery and lock down. It is the
time for transformation. We plan to spend much of
2021 to highlight the potential of mobile to be the
catalyst for much of this evolution in efficiency,
productivity and improved consumer experience.
MEF is now officially 20 year old, and we have marked
the anniversary with a celebration for some of the
people and members that have made the history of
the ‘Mobile Entertainment Forum’ and more recently
the ‘Mobile Ecosystem Forum.’ As an organisation MEF
has also transformed. Our roots have not changed
though: we are still a not for profit trade association
that support insight, networking, and monetization in
the mobile industry. Our membership has grown to a
new record and our offer has increased to include
large online members event such as MEF CONNECTS
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Innovators and MEF CONNECTS Business Messaging.
Over 1,300 mobile professionals have joined our
events in the first quarter of 2021. It is unlikely that we
will be able to meet up in a face to face event for a
while. As I am writing to you MEF has cancelled its in
TITLE person presence HEREto ITW and MWC in June following
the lead from our members. We all wanted to start
meeting again but it is not the right time yet. We will
support both of these great events from our online
platform, and will continue to create more virtual
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opportunities
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for our members to network and
discuss. A new series workgroups have been
announced for our members to access including two
on wholesale and regulatory topics. Join us!
DARIO BETTI
CEO
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JOIN MEF
Accelerating your mobile opportunity
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Key Member Services
Strategic Insights
Market and new sector facilitation
Knowledge Transfer
Advocacy
Events
Content marketing
Why become a MEF member?
Business partnering across the mobile
ecosystem – locally and globally
Access to global market analytics and
resources
Opportunity to shape the industry through
collaboration and advocacy
Exclusive access to member-only events
Visibility through MEF communication
channels and speaking opportunities
SIGN UP NOW

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MEMBERS UPDATE
Thank you to everyone who has joined us last month
at MEF Connects Innovators and our annual AGM.
You can access the content from the event on our
website Also big congratulations to all Meffys
winners!
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Next week we have an opportunity to meet again at
a three day event – MEF Connects Business
Messaging The platform is already open for you to
network and connect with other attendees so make
sure you have secured your spot. And if you want to
learn what to expect at the event please join us at a
webinar this Thursday at 4pm GMT.
AGM 2020 – New Board and Governance updates
The AGM 2020 was held online last month. You can
watch the meeting or download the AGM deck from
the member area here (please scroll to the bottom
of the page and make sure you are logged in). During
the meeting it was proposed to amend two clauses
in the MEF bylaws 1.1.4.f and 1.2.2.a. The membership
attending voted online favourably and the changes
were officially ratified on the 9th of March 2021. The
full bylaws can be accessed here
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New MEF Board
The results of the Board elections 2021 were
announced at the AGM. Congratulations to the
elected Directors and thank you to all Candidates for
their participation. More info on our blog
Pricing update
The MEF Board have agreed a new pricing scheme
to provide smooth price adjustments over the years.
As per the new scheme, an automatic 2% annual
increase to the price of membership will be applied
on the renewals from 1st July 2021. The Board can
stop the increase in any year. This new system will
allow for a smoother price adjustment in line with
expected inflation.
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NEW MEMBERS
A warm welcome to the members who have recently joined MEF. You can see their
profiles on our website and you will have the opportunity to meet them via the
Working Groups and business introductions.
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NEW BOARD FOR 2021
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We’re delighted to announce that MEF
members have elected eight directors to
the MEF Board. The results were
announced to Members during last
week’s 2020 AGM.
The election ran in parallel to the 20th
anniversary celebration of MEF’s
founding and attracted the highest
number of votes and attendance from
Members recorded in the history of our
association. A total of 16 candidates took
part in the election.
Three newly elected Directors join the
board:
• Virginie Debris – Chief Product Officer,
Global Message Services (GMS)
• Nick Millward – VP Europe, mGage
• Mitchell Cutmore – A2P Messaging
Development LATAM, Telefonica
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They join five re-elected Directors:
• Jason Lunn, SVP Commercial at
IMImobile
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• Andrew
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Bud CBE FREng – Founder
and CEO of iProov
• Waheed Adam – Executive Chairman,
iTouch Messaging
• Robert Gerstmann – Chief Evangelist
& Co-Founder, Sinch
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Services Director, Vonage
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The appointments further strengthen
MEF’s leadership on business messaging
as well as recognise the importance of
consumer data protection, identity,
antifraud, payments and enterprise
services in the mobile ecosystem. The
new board strengthens MEF’s global
mission with interests from Africa, Latin
America, Europe and Eastern Europe,
and North America. The full list of
candidates as well as the biographies
and manifestos are all available to view
here.
The newly elected Directors will serve
the board for two years and join
incumbent Directors:
• Dawood Ghalaieny – CEO, ZARIOT &
Chairman, Cellusys
• Dario Betti – CEO MEF
• Rafa Pellon – Partner , Pellon de Lima
Advogados
• Anurag Aggarwal – Director
Messaging Services, Tata
Communications
Dario Betti, MEF’s CEO commented “This
year response has been very positive
with the highest number of votes and
the highest number of candidates on
record. But what stands out mostly is
the amount of comments from
members on the quality of our
candidates and their manifestos. I share
a big ‘thank you’ from our members to
all that took part in this year election.”
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MEF CALENDAR
MEF CONNECTS 2021
Mar 22-24 Business Messaging
May 25-27 Digital Transformation
Jun 14th Security
Jul 13 th Mobile IoT
Sep 27 th Omnichannel - TBC
Oct 25 th Wholesale - TBC
Nov 10 th Content & Advertising - TBC
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BRIEFINGS
Apr 22 nd
WORKING
Apr 12 th
Apr 19 th
Apr 20 th
Apr 22 nd
Apr 26 th
May 10 th
May 17 th
May 20 th
May 24 th
Jun 21 st
FUTURE OF
Apr 14 th
Apr 21 st
Apr TBC
AND WEBINARS
Transforming customer engagement for a new world with
Business Messaging
GROUPS
Personal Data & Identity – Working Group Meeting
DCB For Growth Working Group Call
Wholesale Working Group
Mobile IoT – Working Group Meeting
MEF AI Roundtable
Personal Data & Identity – Working Group Meeting
DCB For Growth Working Group Call
Mobile IoT – Working Group Meeting
MEF AI Roundtable
MEF AI Roundtable
MESSAGING PROGRAMME
Monthly Meeting – overview of all programs
RCS Working Group
“Open” RCS Forum
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MEF PARTNER EVENT
Mar 25 th App Promotion Summit London 2021
Mar 31 st CC – SMS Messaging Summit 2021
Jun 1st International Telecoms Week
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MEF CONNECTS 2021
MEF CONNECTS
MEF CONNECTS 2021 is the virtual shop window for MEF Members across the different
ecosystems and their respective Working Groups. MEF has planned MM/YYYYY one, two | and ISSUE three NO. XX
day events for 2021 representing key themes, ecosystems and regions.
FROM THE LAST QUARTER
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NEXT
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MEF CONNECTS: Innovators, MEFFYS + AGM 2020 –23rd
February 2021 – MEF held its annual Anual General
Meeting alongside an event for innovations and innovators
in the ecosystem. This year’s keynote was delivered by
Principal Analyst Pamela Clark-Dickson from OMDIA, with
sessions on Mobile IoT, Digital Identity, Blockchain, eSIM, 5G,
AI, Wholesale and the Future of Messaging Programme.
The prestigious MEFFYS Awards for Innovation continued
the tradition to mark real impact in the ecosystem. The
event is available on demand here.
MEF CONNECTS Business Messaging – 22nd -24th
March 2021 - this three-day event followed the success
of September’s MEF CONNECTS Rich Communications
in 2020. MEF CONNECTS Business Messaging brought
together over 1,000 participants from the messaging
industry and enterprises. The event showcased the best
of A2P Messaging use cases with the latest analyst
insights keynotes, round tables, interviews and panels
from the market leading messaging and omnichannel
enablers, MNOs, brands, enterprises and media
agencies. Watch on demand the entire event.
MEF CONNECTS Digital Transformation (25th – 27th May
2021) will convene the industry to discuss and debate the
new opportunities in Digital Identity, Mobile Payments and
Digital Marketing, The mobile industry can enhance the
online user experience, expand reach and delivery new
level of customer engagement. Is your company ready?
MEF CONNECTS Security ( 14 th June 2021) The Digital
Economy is in full swing, but so are the fraudsters,
hackers and general criminal ready to spoil experiences. It
is time to review the threats and prepare a solid
response. Join the experts in cybersecurity and plan your
defense.
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INNOVATORS
The MEF community has had the
chance to select and vote for the
companies, products or activities that
have made a contribution to the
ecosystem by showing the potential
of mobile and ecosystem
collaboration. This year themes were
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all linked do the idea of Innovation in
for areas:
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COVID19 response
Rich Customer Engagement
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MEET THE MEFFYS 2021 WINNERS
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Last week, we announced the winners of the 2021 Meffys awards during MEF Connect
Innovators, as voted for by MEF Members and MEF Minute readers, and now we invite
you to watch the recipients collect their virtual awards, presented by MEF Board
Member and Executive Chairperson of iTouch Messaging Services, Waheed Adam.
The keynotes and panels from MEF Connects Innovators are also now available to watch
on demand – watch this space for more featured sessions from the day.
Mobile monetization Winner
The tough year 2020 has shown us that innovation is
key to achieving sustainable growth. The challenges
could only urge Digital Virgo to break new ground in
providing Merchants of goods and services with further
opportunities in monetizing their content, ticketing,
audience and even physical goods.
Digital Virgo deploys a global strategy by interconnecting their expertise in monetization,
digital marketing, and most importantly, mobile payment which is natively included
across all their services. Their innovative solutions are focused on local adaptation with
a priority in monetizing digital services regardless of the countries’ technological level or
cultural specificities.
Digital Virgo’s thorough consideration for all regulatory, compliance, technological and
security aspects to ensure a sustainable ecosystem makes them the ultimate partner
to address novel opportunities of the Mobile Monetization market.
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COVID 19 Mobile Response Winner
In response to the COVID-19 pandemic, several public
and government health organisations across the
world – including Public Health England – have been
faced with the challenge of providing up-to-date
information quickly and at scale, while also combating
the spread of coronavirus misinformation.
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Infobip, as a WhatsApp Business Solution Provider, has enabled these organisations to
build simple, self-service chatbots, which are easily accessible over a publicly available
number. Contact with the chatbot is initiated by anyone looking for information related
to COVID-19 by entering the number in their contact list and sending “Hi” to it.
This starts a dialogue with the WhatsApp chatbot where users can choose from a list of
topics they would like more information on – for example the latest guidelines, travel
advice, testing information etc.
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Richer Customer Engagement Winner
Mobio360 is a virtual reality streaming content service
offering access to hundreds of fully immersive digital
experiences, from guided tours of more than fifty
world cities, to adrenaline-fueled extreme sports and
activities in hundreds of exotic locations.
With the ease of accessibility that direct carrier billing brings, Sam Media provides more
than 700,000 Mobio360 subscribers in Africa a window to the world.
With its engaging content, smart streaming capabilities to adjust bandwidth and built-in
social sharing functionalities, Mobio360 has encouraged and inspired mobile users on
the continent during a time when the pandemic kept everyone indoors.
Protecting the Mobile Consumer Winner
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RichOTP, built on Dotgo’s patent-pending technology
enables brands to send One Time Passwords (OTPs)
through the rich media messaging channel of RCS
(Rich Communication Services).
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OTPs are widely used by brands for signing-into apps, to confirm transactions, and for
security as part of two-factor authentication. RichOTP offers a dramatic improvement
to the overall OTP experience for both brands and consumers, in not just the visual
interface, but also the entire authentication experience.
Verified profiles with brand logos, OTP confirmation within native messaging app and
suggested responses makes it secure and builds user confidence.
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The RichOTP service is live in over 10 countries, including at carriers like Airtel, AT&T, EE,
T-Mobile, Verizon, Vodafone, and 9mobile, and is used by several brands daily.
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WEBINARS
APRIL HIGHLIGHTS
22 APR
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Transforming customer engagement for a new world with
Business Messaging.
The coronavirus crisis has forced businesses to transform the way
they interact with customers and leveraging chat has become a key
form of customer engagement. This webinar will explore case
studies across verticals such as retail, brands, and municipalities to
explore how they are leveraging chat across multiple messaging
channels such SMS, RCS and other mobile ecosystems to engage
and re-engage their customers, and drive sales, marketing and
customer satisfaction. Register here
05 MAR
ON DEMAND
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MEF’s 20th Anniversary – Reflecting on the successes of
the ecosystem
MEF is celebrating its 20 th Anniversary from its official inception, an
important milestone that deserves to be marked but is also an
excuse to look back at the two decades of innovation in the mobile
ecosystem.
Dario Betti invited reflections from Andrew Bud, the Chairman of
MEF and one of its original founding members, to trace the success
of MEF and also celebrate the commitment, ingenuity and energy of
its members. Messages from Patrick Parodi, Rafael Pelon and Ron
Czerny are included.
If you would like to share your memories of MEF for our anniversary,
please share your video on social media and tag us. We would love
to hear from all of you. Watch the full video here
22 JAN
eSIM poised to transform consumer and IoT connectivity
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Andrew Parkin-White, MEF Advisor on IoT, is joined by Steffen
Sorrell, Chief of Research at Kaleido Intelligence, to discuss their
latest report – eSIM Market Outlook, investigating how eSIM is
opening up new opportunities for and presenting challenges to
enterprises and service providers. Read the full report here
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09 FEB
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Transforming customer engagement for a new world with
Business Messaging.
Pamela Clark-Dickson, Principal Analyst, Advanced Messaging and
Communications at Omdia presents 2021 Trends to Watch:
Communications Apps and Services in a 5G World – an analysis
from their report series of the same name, looking at key predictions
within the global telecoms space for the year ahead along with
recommendations for strategic planning.
The presentation takes a deep dive into how Covid-19 has already
impacted the ecosystem and forecasts what the prolonged
implications might be looking ahead into 2021 and beyond.
Key Takeaways:
• Post–COVID-19, video calling will be a communications habit for
many.
• Catalyzed by COVID-19, Facebook apps like WhatsApp will
diversify revenue.
• As 5G networks proliferate, clarity emerges on 5G messaging.
• Countries will shift from P2P to A2P majority SMS markets.
• Verification SMS is expected to continue to increase in 2021 as
users continue to work and study from home
• The hunt for gray routes will intensify in 2021.
Watch the Webinar below – the slides and the report itself are
available for MEF Members in the Member resources area.
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26 FEB
Cloud, advertising, and IDFA: Three key mobile game
trends for 2021
George Jijiashvili, Senior Analyst at Omdia is joined by Jonathan
Stringfield, VP at Activision Blizzard Media, Kristan Rivers, CEO at
AdInMo and Juan Francisco Di Nucci CEO at AWG, to unpick the
current key trends in the mobile games industry and identify
opportunities for the broader mobile ecosystem.
The mobile games market continues to experience impressive
growth, further boosted by the pandemic. According to Omdia, enduser
spend on mobile games is predicted to surpass $100 billion for
the first time in 2021, generating $103 billion, or 62% of the total
global games revenue. Importance of mobile games will only grow, as
its total share is set to increase to 69% by 2025, when it is expected
to bring in whopping $129 billion. Read the full report here
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FUTURE OF MESSAGING
Market Development
• Decision made by members to bring together the RCS Verification MM/YYYYY and RCS | ISSUE Product NO. XX
Roadmap groups into one NEW group – RCS Market Development. First meeting of
the new group will be March 17th and a lot of preparation has gone on by both MEF
and members for Day of the Business Messaging event (March 24th) which as a
heavy RCS focus. The working groups will review event and next steps.
• RCS Commercial Models – sub-group is expanding and work continues on formulating
a set of commercial models which could be easily understood and digested by the
wider market. Next call March 30th
• A new group has been announced to foster interconnections for RCS in the Open
RCS Forum (ORF) the first meeting will be in April. As always we welcome new
signatories of the Open RCS Memorandum of Understanding (MoU)
• SMS A2P Commercial Models International Businesses – focus is on definitions (MNO
Ts &Cs) and message types, research into this now ongoing by members – contact
Mandy for more details. Group continues to expand with new members from
Belgium and the USA. Focus area now much wider than Africa
Fraud & Security
• Draft v.2.0 of the Business SMS Code of Conduct was published on 14th December -
see here Contact James for more details if you need them and are contemplating
signing your company up to the code, joining over 30 MEF members to have already
done so. Sign-ups ran at one per week through February 2021
• The Fraud Framework was reframed to focus on definitions only and separate
deliverables, creating v.3.0. Focus has now turned to the mitigation side of things and
the sub-group working on this meets practically weekly
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• The core work of creating a clear Security/Verification Framework continues by
members, facilitated by MEF.
• PR campaign launching and publicising latest versions of the Code of Conduct and
Fraud Framework kicked off on January 27th and continues: there will be a live
session during the Business Messaging event on March 23rd moderated by James
talking about these things, bringing together 4 Founders and CEOs of companies that
have signed up to the code and other special guests.
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• Fieldwork for annual A2P Monetisation Report with Mobilesquared underway with an
MNO survey. Kindly sponsored this year by ANAM Technologies and TATA
Communications. Both the data and report will become available in the next couple
of months. There will be a live session during the Business Messaging event on March
23rd about this as well. Senior representatives from ANAM, TATA and Airtel Business
will have what is sure to be a lively discussion, with Nick Lane from Mobilesquared
moderating proceedings.
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PERSONAL DATA & IDENTITY
Personal Data & Identity – next call 12th April
• Andrew Parkin White becomes the new host for the monthly working MM/YYYYY group | ISSUE calls on NO. XX
personal identity and digital identity. The focus remain on insight and impact in the
industry. Iain McCallum remains part of the group while he focuses on expanding the
MEF CONNECTS events.
• Continued activity on supporting the United Kingdom Department of Culture Media
and Sport initiative on UK digital identity framework. MEF is still supporting via the
collective
• Developing a white paper on digital identity in Italy – with the support of Valerio
Paolini one of the original team members in the first Digital Transformation task force
of the Italian government
• Developing thinking on the evolution of the PD&I ecosystem and how to close the
opportunity gap between individual needs and supplier strategies. A new topic
discussion for the team to develop tools and framework.
• Moving forward with the MEF Global Enterprise survey. The group is identifying key
questions to ask to enterprise on the topics of the role of personal data and digital
identity in their digital transformation. All members are asked to contribute to their
question for the omnibus study. Bring your ideas and questions to the next meetings.
• The MEF 7 th Consumer Trust Report – is the regular benchmark on users’ sentiment
on privacy and security online. The results of the vast global consumer study will be
shared with the working group first and discussed. The report is scheduled for
release in May. MEF Members will also receive all of the survey raw tables for further
analysis as by tradition.
• MEF CONNECT Digital Transformation will have its first day on the 25 th of May on
Personal Data and Identity. The Working Group will be deciding the topics and
speakers invited in the event. Join the group to shape on of the key events in the
PD&I calendar
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MOBILE IoT
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• At the February working group, Stuart Mitchell of ZARIOT presented their recent
research into cellular IoT security. The topic remains on of the key areas for the
working group to explore in detail and plan activities to educate the market.
• At the 18th March 2021 IoT working group, Duncan Purves of the IoT Security
Foundation (IoTSF) will be giving a presentation. He will introduce the IoTSF and the
‘ManySecured’ Collaborative Intelligent Network Gateway project. The IoTSF mission
is to help secure the Internet of Things and make it safe to connect. The
‘ManySecured’ Collaborative Intelligent Network Gateway project seeks to protect
consumers and enterprises from the security risks posed by IoT devices through
security innovation at the gateway.
• Activities over the next few months will include the Enterprise IoT survey,
• A best practice in IoT security guide will be prepared to be published
• A series of deep dives into a number of topics including digital twins, hyperscale
connectivity and private LTE
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MOBILE PAYMENT & DCB
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• The Direct Carrier Billing Anti Fraud group has set up its main plan for the year with
focus on disseminating the messages from MEF DCB Anti Fraud framework.
• A new meting of the Direct Carrier Billing Anti-Fraud is going to b schedule for an
update before the June 14th MEF CONNECT Cybersecurity event. The group will
present the status of anti-Fraud during the event
• A new working group for Direct Carrier Billing has been set up with the name of DCB
for Growth. The first stage for the group will be focused on innovative use cases doe
DCB and the fintech functionality available in the sector.
• MEF CONNECTS Digital Transformation event will see one entire day on payment and
Direct Carrier Billing. (Tuesday May 26 th ). The Working Group will decide what topic
and speakers will be involved for the day.
• The Consumer Survey Report on Payments is going to be presented and discussed
with the group in April and May for a release in May. The group will review the data
and confirm finding during its sessions.
• The group is considering if there are opportunities for a specific Mobile Payment
Enterprise Survey.
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REGULATORY, WHOLESALE & COUNTRIES
AI Roundtable – next call 26th April
• AI Framework– Serafino Abate, MEF Regulation Advisor, will take MM/YYYYY over the | paper ISSUE on NO. XX
AI Ethics Framework from Surash Patel. New timeline and dates will be discussed
during the meeting.
Regulatory Work Group – next call 26th April
• This new work group on regulation will merge with the AI Framework– Rafael Pelon
and Serafino Abate will host the call and work on a topic list to discuss. If you are
interested to join this new work group please email Ewa at
ewa@mobileecosystemforum.com
Wholesale Work Group – next call 20th April
• This new work group on wholesale as been set up by Suzy Menneret, MEF Advisor on
Wholesales. In the first meeting the original topics have been discussed and they
group will continue to charter challenges and topics. Expect more discussion on
Mobile Roaming, Voice Traffic and Fraud as well as re-structure and new business
opportunities.If you are interested t join this new work group please email Ewa at
ewa@mobileecosystemforum.com
Country Projects
• South Africa – joint workshop with SABRIC (bank association), MNOs and MEF
members currently on hold as wholesale restructuring of SABRIC underway. Work
still ongoing to capture perspectives of MNOs as to which fraud types exactly are
impacting them the most. Contact Mandy for more information should you require it.
Looking to take these initiatives further afield into other countries in Africa as well
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NEXT WORKING GROUPS
12 APR
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Personal Data & Identity – Working Group Meeting
For H1 the group decided to focus on education &
awareness along with MNO engagement. Using the recently
published Mobile Content Fraud as a basis.
10 MAY
Personal Data & Identity – Working Group Meeting
The group decided to run an enterprise survey, a final
review for questions and targets.
26 APR
MEF AI Roundtable
Publishing the final paper for AI Guide for Enterprises- how
to select a partner based on solid ethical and business
approachs.
24 MAY
MEF Regulatory Questions Working Group
TITLE HERE
A renewed working group to include all questions on key
regulatory areas, including the AI Roundtable follow up
included.
21 JUN
TITLE HERE
MEF Regulatory Questions Working Group
20 APR
TITLE HERE
Wholesale Working Group
The newly established Wholesale working group is to review
key questions for the members. Among the first topics:
trends in voice markets & Roaming, review of Voice Fraud,
MOBILE ECOSYSTEM FORUM
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14 APR
Monthly Meeting – Overview of all
The monthly summary of all of the groups and discussions
around enterprise messaging at MEF. Do not miss it to keep
informed on all major developments.
21 APR
RCS Working Group
MM/YYYYY | ISSUE NO. XX
The newly merged group to present all major activity within
MEF for RCS.
TBC
APR
“Open” RCS Forum
The first meeting for the group intending to streamline the
RCS solution and support true interoperability across
MaaP.
19 APR
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TITLE HERE
TITLE HERE
DCB For Growth Working Group
Immediate focus on breaking down and disseminating the
comprehensive DCB Fraud Framework content in ways
which would allow the biggest audience possible to benefit
continues.
17 MAY
DCB For Growth Working Group
22 APR
Mobile IoT - Working Group Meeting
A monthly review to the main issues and topics on Mobile
IoT.
20 MAY
Mobile IoT - Working Group Meeting
MOBILE ECOSYSTEM FORUM
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MM/YYYYY | ISSUE NO. XX
TITLE HERE
TITLE HERE
TITLE HERE
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MEF REPORTS
Here is a selection of MEF’s latest reports.
Click on the image to download
01
Insight & Interaction
Updates & Actions
A2p Business Messaging 2021
MM/YYYYY | ISSUE NO. XX
COMING SOON
Mobile Payment 2021
COMING SOON
MEF Report Business Messaging – Yearly Consumer Surveys in Field
MEF Survey (10 countries): Consumer Trust, Security, A2P, Smartphone User, Direct Carrier Billing
7
2021 2021
CONSUMER TRUST
REPORT- MAR 2021
A2P BUSINESS
MESSAGING
REPORT - APR 2021
7 TH Consumer Trust Report
COMING SOON
SMARTPHONE SURVEY
REPORT - MAY 2021
SECURITY IN MOBILE-
JUNE 2021
© 2020 Mobile Ecosystem Forum Ltd
Business SMS, SIM Farms & The
Data Protection Risk
Combating Fraud in Mobile
Content
TITLE HERE
TITLE HERE
TITLE HERE
Identity and Authentication
Today Part 1; Part 2
MEF’s Future of Messaging
Guide 2020 in association with
Syniverse
The Future Of Global IoT
Connectivity

INSIGHT
IS COVID THE “BIG BANG” OF DIGITAL PAYMENTS?
By MEF
“
The potential for a postpandemic
recession,
particularly in poorer countries,
coupled with an influx of
payments players and
propositions have driven many
stakeholders to reassess their
approach to investing in the
space. Investors, in particular,
have taken a more bearish
stance on early and venture
stage fintech funding, whereas
the deal flow for later-stage
fintech companies actually
increased from 2019.
TITLE HERE
TITLE HERE
TITLE HERE
“
MM/YYYYY | ISSUE NO. XX
Fintech specialists Mondato recently
hosted a webinar in partnership with
MEF on ‘Innovative Approaches to
Commercializing Digital Payments.’ The
panel consisted of digital finance
practitioners with global reach, and the
rapid evolution of the payment space
has been noticed and felt by all, but
particularly in emerging markets.
As we enter the second year of the
Covid pandemic, headlines are still
dominated by the global transition to
digital, particularly across the payments
space. Alongside the increasing business
and consumer demand for digital
financial services, perpetual news of
fintech launches, partnerships and
acquisitions signify a crowding and
fragmentation of the payment space,
across both developed and emerging
markets.
As the industry converges around a
similar set of fintech propositions,
perhaps the industry is en route to a
period of consolidation. We ask who will
be left standing after the dust settles
from what can be considered a “big
bang” in payments.
Embedded Finance Arrives in Emerging
Markets
While credit cards and other forms of
digital payment were commonplace prepandemic
in developed markets, many
emerging market retailers and small-tomedium
enterprises (SMEs) were still
predominantly analog, causing a much
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MOBILE ECOSYSTEM FORUM
30

INSIGHT
more labor-intensive shift to digital
integration. As discussed in a previous
Mondato Insight, governments have
promoted digitization through
disbursement programs and regulation,
and banks and fintechs followed suit in
order to arm both businesses and
consumers with the ability to send and
accept digital payments.
But the ability to leverage existing
technological innovation, along with the
rapid penetration of smartphones, have
powered a healthy pace of digital
transformation across emerging
markets. Payments, which were
previously owned by financial services
providers, now penetrate the minds –
and service offerings – of all corporates
as embedded finance reshapes
distribution and creates additional
demand for seamless payment
integration through services like Buy
Now, Pay Later (BNPL) or QR codes. The
embedded finance opportunity is
expected to be worth US$3.6 trillion by
2030, and banking-as-a-service will play
an important role in building new
revenue streams for retailers and other
corporates.
Mahesh Narayan, Global Product Lead
for Mobile Money & E-Commerce at
Standard Chartered Bank, was one of
TITLE the webinar HERE participants who noted that
previously, if you were a multinational
corporation with a solid brick-andmortar
set-up, a digital approach was
not necessarily required, and this has
rapidly changed. “Now all corporates
TITLE HERE
need to embrace the omnichannel
experience – and payment is typically
how it begins,” according to Narayan.
TITLE HERE
When asked whether the flurry of
industry activity was permanent or
pandemic-specific, the panel concluded
that while growth and fragmentation will
continue, a harmonization will emerge as
standards become more
institutionalized and regulated. While it
MM/YYYYY | ISSUE NO. XX
may be too soon to know which
behaviors will continue post-pandemic,
research suggests that preference for
online and digital purchasing will become
the new normal globally. And as the
different types of schemes and options
of fintech services available begins to
plateau, the trend toward consolidation
will likely present itself. But in order to
survive, fintechs that can support these
increasingly popular digital payment
solutions will need to outlive the
economic pressures presented by the
pandemic.
A Shift in the Investment Landscape
The potential for a post-pandemic
recession, particularly in poorer
countries, coupled with an influx of
payments players and propositions have
driven many stakeholders to reassess
their approach to investing in the space.
Investors, in particular, have taken a
more bearish stance on early and
venture stage fintech funding, whereas
the deal flow for later-stage fintech
companies actually increased from
2019. Startups and less-established
fintechs struggled to secure venture
capital while already-profitable
companies enjoyed hefty valuations and
an inflow of capital. A CB Insight report
found that VC-backed activity dropped
to the “lowest level of deals since the
first quarter of 2016,” with an overall
drop of US$6.1 billion.
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MOBILE ECOSYSTEM FORUM
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INSIGHT
MM/YYYYY | ISSUE NO. XX
Source: McKinsey & Company (2020)
But established companies continued to
flourish, with 67 fintech unicorns globally
valued at over US$250 billion in
aggregate. Indonesia’s Gojek, for
example, secured US$3 billion, and
Stripe received US$850 million; Chime
also secured more than US$1.2 billion
over two rounds, pushing its valuation to
US$14.5 billion.
Because early stage fintechs have a
greater need for continuous capital, they
may soon feel the pressure as venture
capital funding slows — if they haven’t
already. While certain categories of the
payments industry may benefit from the
acceleration to digital, companies
focused on hard-hit verticals like travel,
events and entertainment may struggle
to weather the storm in the short-term.
Some companies have been able to
pivot and reduce risk by investing in
additional features. Square, for example,
reported their card present volume
down 60 percent at the end of 2020,
TITLE HERE
TITLE HERE
TITLE HERE
but they were able to build out and
leverage their Cash App to offer loans
to consumers. But for those just
beginning to establish their brand,
significant funding is required to refine
value propositions while attracting new
customers at scale; a shortage of capital
will likely only exacerbate and expose
business model vulnerabilities.
A study by the Center for Financial
Inclusion found that fintechs are now
seeking bridge rounds of funding to act
as a ‘cash buffer’ to extend their
relatively short cash runway. Only 29
percent of surveyed fintechs had a year
or more of cash reserves, and a majority
of these were already in growth stage.
The slump in funding will only contribute
to further industry consolidation, as a
downward pressure on valuations force
less profitable players to be swallowed
by larger ones in order to merge
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MOBILE ECOSYSTEM FORUM
32

INSIGHT
resources and sustain growth. A recent
Mondato Insight explores the
implications of this occurrence on the
remittance industry in particular, though
the trend extends beyond money
transfer to all corners of the digital
finance ecosystem.
The Silver Lining for Banks
Just a few years ago, banks and
fintechs were often in competition. A
2015 Mondato Summit even featured a
panel on partnerships between the two
entities where they called each other
“frenemies.” This sentiment has since
given way to symbiotic collaboration that
will be vital to both of their survival. While
banks maintain the advantages of scale
and trust — especially with fraud as a
looming concern when digitizing
payments — the pandemic has put them
under pressure to expand digital
services. Fintechs, on the other hand,
have the advantage of better, more
agile technology and user experience,
but they may lack the capital and
TITLE HERE
extensive black book of relationships to
TITLE properly scale. HERE
Banks must maintain outdated, legacy
infrastructure while enhancing value
propositions, which in the current climate
present challenges that demand new or
deepening fintech partnerships. Lower
valuations and dried-up funding for
TITLE HERE
smaller fintechs create a unique
opportunity for banks to buy them up in
hopes of delivering digital services more
quickly and effectively, which will be
essential in revamping business models
to comply with evolving customer
expectations. MM/YYYYY | ISSUE NO. XX
Instant and alternative lending is one
subsector likely to seek M&A
transactions with heavy bank
involvement, with B2B lending already
experiencing a flurry of activity. OnDeck
was acquired for US$90 million, and
American Express acquired Kabbage
following SoftBank’s US$250 million
investment, confirming the snowballing
value of SME lenders’ value proposition,
particularly those that can survive
amidst consolidation.
“These new fintech companies have
been able to outpace and out-innovate
traditional vendors, and then those
vendors realize they have to catch up
and a great way to catch up is M&A.
Whether it’s Visa buying Plaid and
continuing to own a pretty important
connector in the fintech ecosystem, or
Intuit with Credit Karma, those are signs
of these companies trying to catch up
and stay relevant over the next 10 plus
years.” Jules Maltz – Partner, IVP – a
later-stage venture capital & growth
equity firm
Maltz’s comments apply to the greater
B2B fintech ecosystem as well.
Pandemic-fueled digitization has forced
businesses to simplify and digitize not
only loans, but other parts of the value
chain like payment processing and billing.
A recent survey of European banks
found that 63 percent are required to
support both international and domestic
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MOBILE ECOSYSTEM FORUM
33

INSIGHT
transfers for up to 50 percent of their
business customers. And though e-
invoicing solutions have been popularized
in developed markets, there is a
significant emerging market demand for
efficient digital solutions that can digitize
and simplify B2B billing processes. As
providers of these services seek
partnerships, traditional banks are well
positioned to provide optimal
distribution of these services since they
already have the benefits of pre-existing
corporate relationships — as well as
brand recognition and customer loyalty.
The Race Is On
Although fintech acquisition prospects
for banks are promising, it is big tech
that has recently dominated the
payments M&A activity. With more cash
in hand and an already ripe appetite for
edging into the fintech sphere,
companies like Google, Facebook,
Amazon and Netflix can exploit the
current state of flux to deepen their
footprint across the payments space.
Amazon’s new division on ‘Digital and
Emerging Payments’ intends to roll out a
digital currency product aimed at
emerging markets — beginning with
Mexico — that will MM/YYYYY enable customers | ISSUE to NO. XX
convert cash into digital currency that
can be spent on digital products and
services within the Amazon ecosystem.
Similarly, Google recently formed a
partnership with Global Payments, part
of which will integrate Google’s APIs with
Global Payments’ payments ecosystem
to deliver end-to-end solutions to
merchants.
Such initiatives signal big tech’s belief
that payments can serve as a major
revenue generator for non-fintech
companies like themselves. Chinese
social media giant Tencent already
attributes 28 percent of its revenue to
payments, and this stream of revenue
TITLE HERE
TITLE HERE
TITLE HERE
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MOBILE ECOSYSTEM FORUM
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INSIGHT
MM/YYYYY | ISSUE NO. XX
potential has wooed all of the tech
behemoths to join the payments race to
some degree. With big tech financing on
the rise, it is only a matter of time
before they dominate the fintech space
either through their own payment
products or via partnerships and
acquisitions.
TITLE HERE
Perhaps Covid-19 will be seen as the
originating point, or “primeval atom” that
catapults the “Big Bang” of the digital
payments sphere, of which the end
result is yet to be seen. After its initial
expansion, our universe went through a
period of cooling in which many of the
lasting stars and galaxies that we see
today were formed. The same process
may come true in this scenario. Rising
demand for digital alternatives will
continue to change the payments
landscape, with an explosion of players
and business models entering the space.
TITLE HERE
TITLE HERE
Eventually, though, the noise will recede
through consolidation as established
businesses scale and smaller ones
disappear or are bought out.
Whether the winners are banks, big tech,
scaled fintechs, or a combination, those
who are left when the dust settles will
surely capitalize on the industry’s
transformation. While stakeholders
explore how to embrace and react to
the “new normal” of shifting behaviors,
mindsets and expectations, one thing is
certain: complacency is not an option
This post originally appeared on the Mondato
Blog and is re-used here with kind permission
MOBILE ECOSYSTEM FORUM
35

INSIGHT
GDPR FINES: A 40% INCREASE IN 2020
By DARIO BETTI
MEF CEO
MM/YYYYY | ISSUE NO. XX
GDPR fines are becoming more
common. European Authorities are now
showing their teeth with new research
from global law firm DLA Piper, showing
what MEF has been telling its members
for a while: the first year or after
implementation was a ‘free pass’ a
learning period for the industry and
regulators, but the regulators are now
becoming much more active.
TITLE HERE
MEF predicted for 2020 much more
scrutiny on data treatment and security
in Europe, and we expect more of that in
TITLE 2021. HERE
The report from DLA Piper is available
to download here, and shows some very
interesting trends. Here is a quick review
of some of the top insights.
TITLE HERE
• A total of €272 million was levied by
European data protection authorities
in fines since the introduction of GDPR
in May 2018
• €159m were charged in 2020 – a 40%
increase over the first 20 months
since its launch
• Italy and Germany show the most
active regulators/breaches (over half
of the penalties were charged here)
• The largest GDPR fine was issued
against Google for €50 million by CNIL,
the French data protection authority.
Google was found to not be
transparent on how data was used
and that it did not establish a lawful
process for personalising
advertisements.
• The third-largest GDPR fine was for a
telecom player (after Google in first
place, and a German retailer in
second place). TIM, the Italian telecom
operator was charged €28m in
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MOBILE ECOSYSTEM FORUM
36

INSIGHT
January 2020 for a number of
breaches of GDPR for its
telemarketing approach. This is the
area where many telecom players
have failed to implement guidance
properly. The problems included
transparency obligations, failing to
have a sufficient legal basis for
processing personal data, inadequate
technical and organisational measures
and breach of the principle of privacy
by design. The data was not stored
safely, partners were behaving badly
– and hundreds of users complained
to the Italian Authority. Some of the
30 million phone numbers in the
databased were called by the
partners 155 times during a single
month.
• The highest number of notifications
was found in Germany and the
Netherlands: these were mostly data
TITLE HERE
“
TITLE HERE
TITLE HERE
A new model of
data is possible,
and members of
our Personal Data
Workgroup are
working to
describe this
transformation.
“
breaches (personal data lost to
cyber-attacks). Security of personal
data remains loose in many instances
with limited care or simple operational
negligence.
• Appeals against data protections
MM/YYYYY | ISSUE NO. XX
agencies seem to work well. The
Austrian supervisory authority saw its
€18m fine imposed on Austrian Post
overturned by the Austrian Federal
Court on 2 December 2020. Similarly,
the two fines issued by the ICO in the
UK were reduced from £ 189.39m to
£20m (a 90% reduction) and from
£99m to 18.4m (80% reduction). The
ICO noted that the discount was in
part associated with the financial
hardship caused by COVID-19.
Nevertheless, it seems that it pays to
appeal and to challenges the
proposed regulatory sanctions
• There are many open legal questions,
including whether fines should be
assessed against the global
consolidated revenue or the local
organisation being fined. We
expressed this at MEF many times:
GDPR is a robust work on the
principles of regulating personal data,
but there is much that needs fine
tuning. Enterprises, professionals and
regulators should all take part in this
debate now. As the GDPR matures
and becomes stricter its enforcement
should equally develop and settle.
• One notable omission from the list of
infringements is the breach of the
Articles in Chapter V GDPR relating to
the transfer of personal data to third
countries and international
organisations. It is likely to take a while
for the ramifications of the recent
Schrems II judgment of the EU Court
of Justice to filter through to
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MOBILE ECOSYSTEM FORUM
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INSIGHT
MM/YYYYY | ISSUE NO. XX
enforcement. There is still a large
amount of work to understand taking
data from EU/UK to other territories.
The immediate impact might be that
many companies just stop moving
data outside of Europe altogether.
In practice 2020 ended up being a more
lenient year than it could have been.
According to MEF sources, regulators
decided to drop or postpone a large
number of GDPR reviews in the second
TITLE
half of 2020.
HERE
Financial hardship and the
reduced workforce availability in the
regulators made many of the European
data authorities opt for a softer
implementation. These might not all
automatically apply in 2021. The level of
TITLE the charges HERE might be low, but regulators
do not feel that they can slow down their
work over a prolonged time.
The message is clear, GDPR was more
than a simple checklist of activities to be
done in 2018. It is a new way to think,
plan and manage personal data. Those
companies that fail to appreciate this
difference will suffer the consequences
DARIO BETTI
MEF CEO
TITLE HERE
MOBILE ECOSYSTEM FORUM
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INTERVIEWS
5 MINUTES WITH… iBASIS
MM/YYYYY | ISSUE NO. XX
In our 5 minutes with profiles, MEF
members talk about their business, their
aspirations for the future and the wider
mobile industry. This week, Ricardo
Martins, VP of Global Messaging
introduces iBASIS
What does iBASIS do?
In fact very simple; we are the carriers’
carrier: iBASIS carries the international
voice, mobile data and messaging traffic
for carriers, mobile operators and
service providers worldwide. We are
specialized in that, we do only that,
independently and securely.
TITLE HERE
Thanks to iBASIS’ DNA in IP technologies
and real-time communications the
iBASIS multi-service IP-based network is
one of the preferred networks by
carriers and mobile operators
TITLE worldwide. HERE
Two years ago, we also expanded our
portfolio to introduce a new global IoT
connectivity offering and we are now
dynamically growing this business,
leveraging our unique eSIM and global
architecture to serve all vertical markets
of IoT service providers.
TITLE HERE
When did you launch and what growth
have you seen?
We are just about to celebrate iBASIS
25th anniversary! And in 25 years,
iBASIS grew from start-up to one of the
largest international carriers in the world,
driven by innovation in VoIP, quality
monitoring, fraud management system
and more recently global IoT
architecture.
iBasis started out as a voice over IP
company in the late nineties. It merged
with the wholesale arm of KPN in 2006
and successfully entered the mobile IPX
business servicing the 4G roaming
market globally in 2013 which has now
grown into the world’s 3rd largest IPX
globally.
Since 2018 and the acquisition by Tofane
Global which resulted in the
consolidation with Altice International
Carrier Services (ICS) in Portugal,
France and Dominicana, and in 2020
with NOS ICS, iBASIS accelerated its
growth to offer customers greater scale
and innovation.
Continue to the next page
MOBILE ECOSYSTEM FORUM
39

INTERVIEWS
By leveraging the company’s wholesale
trading expertise platform, and
advanced analytics tools, we have been
able to accelerate the deployment of
our P2P and A2P solutions Over the
past year, we completed the mobile
messaging solution portfolio. The
solutions include Application-to-Person
mobile messaging (A2P) for real time
communications and SMS firewall
solutions to protect mobile operators
against illegitimate routes usage.
What are your main goals?
iBASIS built a strong reputation of
quality partner in international voice,
being one of the largest carriers in the
world, then with the launch of LTE and
4G services we became the most
trusted partner for mobile network
operators. As a wholesale specialist, we
design complete and customized
solution to offer the reach, quality and
security that requires our tier one
customers – the open peering policy,
advanced analytics platform are a few
TITLE HERE
TITLE HERE
TITLE HERE
examples of the innovation iBASIS brings
to the market.
Now my goal is to become the preferred
and most trusted partner for P2P ad
A2P messaging business. We have
already a strong track of records
MM/YYYYY | ISSUE NO. XX
including Portuguese speaking countries,
LATAM, Asia Pac where we are offering
open connectivity to the top major
players in China. iBASIS also continues to
strengthen its strategic partnerships
with Altice Dominicana, KPN, NOS,
Portugal Telecom, SFR, TDC and help
them to secure more revenues from
SMS – define relevant termination price
and enforce it while protecting their
subscriber base from unsolicited SMS
and spam.
Our goal and our execution plan at
iBASIS, which involve engineering,
operations, product and commercial
team is to offer a unique MNO
engagement model for monetization of
international A2P SMS traffic with strong
focus on network protection.
Where do you see yourselves/the
industry in three years’ time?
Forecasting is the most difficult thing
during these pandemic times however
some key trends have been confirmed,
even accentuated over the past year.
I’m expecting that they will be the same
over the coming years. The need for
greater secured network has been
demonstrated last year when we
observed the explosion of all types of
SMS scams.
That will remain one of my key
objectives, addressing all security
aspects. We provide solutions not only
to help carriers capture more revenue
from their SMS business, optimizing
Continue to the next page
MOBILE ECOSYSTEM FORUM
40

INTERVIEWS
MM/YYYYY | ISSUE NO. XX
access to their infrastructure, but we
also put in place the proper mechanisms
to protect their subscribers from these
risks and vulnerabilities.
As a global connectivity provider, it’s
critical to implement for our customers
the proper connectivity solution. As such
an enabler, we are making the bridge
between OTTs and mobile operators.
A2P messaging is one of the few sector
which continues to grow globally, many
TITLE HERE
changes happened in 2020 with some
verticals decreasing while other verticals
such as authentication, transaction
confirmations, alerts were on the rise.
The trend is very promising for the
TITLE upcoming HERE years.
What aspect of mobile is most exciting
to you right now?
Since the inception of mobile
communications, end-users have been
able to receive SMS seamlessly even
while roaming. SMS communication still
remains one of the most reliable and
efficient ways to connect to and benefit
TITLE HERE
from a wider reach than Internet apps
have. Mobile operators can reach almost
the entire population thanks to the
broad coverage of their 2G, 3G and 4G
networks and the diverse types of
mobile devices on the market and get
confirmation that messages (SMS) are
delivered to the handsets.
During the COVID-19 crisis, SMS has
proven to be a reliable, simple way to
relay information or alerts to everyone —
even populations not equipped with
smart phones or digitally connected via
social media. Over the past several
weeks, SMS/A2P traffic types have
changed (e.g. retail marketing traffic
dropped at the beginning of the
lockdown as shops were closing).
However, traffic grew in multiple areas
such as transaction confirmation,
authentication, one-time password use,
notifications and alerts. Governments,
Continue to the next page
MOBILE ECOSYSTEM FORUM
41

INTERVIEWS
health authorities and agencies are also
relying on SMS/A2P for time-critical
communications.
Right now, as a community we do have
two main exciting projects to tackle how
to keep SMS/A2P universal and
competitive while staying ahead of the
fraudsters.
What’s the most critical issue that will hit
mobile within the next 12 months?
I can mention one of them because this
is a priority for iBASIS in 2021 – security
and helping operators to be compliant
with regulatory bodies. One of the key
evolutions of our business and new
areas of expertise are about security
and it’s now being embedded in the
entire organization and the portfolio.
We have recently enhanced our
antifraud management systems and
platform, we just launched a new
signaling security portfolio, and with our
SMS firewall solution, we have now a
deeper and larger scope of expertise to
fight all types of international frauds.
Transition from legacy services to new
virtual services, CPaaS, APIs, core
services are the same
TITLE HERE
Apart from your own, which mobile
companies are the ones to watch in the
year ahead?
Collaboration is key in this industry and it
gives me the opportunity to work with
many different partners and experts.
Haud is certainly one of them, they have
a strong track of records and they have
a very in depth knowledge when it
comes to messages screening, Machine
learning and algorithms technology.
TITLE HERE
TITLE HERE
I’m also watching Sinch innovative
strategy through M&A is critical to their
overall corporate strategy. Like Tofane
Global, IBASIS Parent company, Sinch
growth strategy relies on acquisitions to
improve scale, reach
MM/YYYYY
and also
| ISSUE NO. XX
profitability in the SMS market. They’re
also innovating through complementary
technologies to broaden their offering
and strengthen their relationships with
mobile operators.
Another remarkable company is Twilio,
which is transforming the communication
landscape through virtualization and
APIs while embedding all legacy
communications like SMS, Voice, Videos
into web, desktop or any new software
app. Their innovation and how they
enable developers’ innovation is
becoming critical for many enterprises’
communications and has accelerated
since the emergence of the coronavirus
which forces all kind of businesses to
accelerate their digital transformation.
As a middleman, we at iBASIS, also help
our operators and service providers’
customers to offer and expand their
business and enterprise solution offering
as they leverage our global reach via
cloud numbering or direct calling
capabilities integrating in high demanding
collaboration applications such MS
teams
RICARDO MARTINS
iBASIS VP GLOBAL ESSEGING
MOBILE ECOSYSTEM FORUM
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INTERVIEWS
5 MINUTES WITH… Intis Telecom
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In our 5 minutes with profiles, MEF
members talk about their business, their
aspirations for the future and the wider
mobile industry. This week, CEO Andrey
Insarov introduces instant telecoms
specialist Intis Telecom
What does Intis Telecom do?
We like to say we are a company that
specialises in exactly what our name
infers – instant telecommunications.
That’s how we put our name together.
The fact that my family name is ‘Insarov’
is a bonus!
TITLE HERE
We focus on delivering mobile content
globally fast and accurately for our
customers, principally via A2P SMS. We
specialise in helping SMEs.
TITLE HERE
When did you launch and what growth
have you seen?
We’ve been in buisness since 2010 and
have seen steady growth throughout
this time. Our business spans many CIS
countries and we are now looking to
spread our wings across other
geographies
TITLE HERE
What are your main goals?
The Business Messaging market is
growing fast. We see so many smaller
organisations out there unaware of the
benefits of channels like SMS for building
great long term relationships with their
clients. Used properly mobile
engagement can be the difference
between business success and failure so
educating the market is so important.
The Intis team always shows SMEs how
easy it is to access solutions like ours. It
isn’t expensive and our customers do
not need to be technical experts.
There are many false beliefs across the
ecosystem that need to be corrected
and working in partnership with
companies across the world, we hope to
show everybody just how great Business
Messaging is. That’s all we want to do
and along the way create some great
customer relationships that are mutually
beneficial!
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INTERVIEWS
Where do you see yourselves in three
years’ time?
We’ve been in buisness for a decade
and we enjoy what we do. I’d like to see
our business grow across what are
some new markets for us and this is very
exciting. Western Europe, Latin America
and perhaps other regions as well.
The UK will be the base for our
international expansion and the fact
that MEF has a strong presence across
the areas we are looking to expand into
was a key factor in choosing to join your
organisation. We look forward to being
active contributors across everything
MEF does, both sharing our knowledge
and learning as we go.
What aspect of mobile is most exciting
to you right now?
The fact that more and more people
are quite literally switching on to it! So
many people who never had a
smartphone now do and the impact of
the pandemic has seen a huge number
of people new to the internet pushed
into it. Both businesses and individuals.
We see all this having increased the
potential addressable market we
TITLE operate in HERE a lot.
What’s the most critical issue that will hit
mobile within the next 12 months?
Here at Intis Telecom we actually see it
hitting right now. The next 12 months will
just increase the problem – fraud on
mobile channels.
TITLE HERE
With so many new, inexperienced mobile
subscribers and business unfamilar with
digital entering the market this has
becoming attractive to fraudsters. The
online ecommerce market is growing
TITLE HERE
hugely so the attractiveness of fraud
just grows. This is where educating the
market becomes critical.
All stakeholders need to be aware of
what is great about channels like A2P
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SMS but at the same time need to be
told what to watch out for. Unfortunately
not everyone out there has good
intentions. This is all why we are pleased
to be one of the first signatories of
MEF’s new Code of Conduct. MEF
members need to lead by example,
something Intis has always tried to do.
Apart from your own, which mobile
companies are the ones to watch in the
year ahead?
In our exact line of business, I have great
respect for the likes of Twilio, Infobip and
Sinch. They have built huge, great
businesses and I see them growing
further both organically and through
acquisition as 2021 progresses. If I could
click my fingers and found myself in their
company I would not be complaining but
we are operating in a different place.
More people will get their first taste of
smartphones and better internet access
this year and chat apps will grow and
grow in importance. The giants are
coming under serious pressure from the
likes of Telegram and Signal and it will be
interesting to see how fast they grow
this year
ANDREY INSAROV
INTIS TELECOM CEO
MOBILE ECOSYSTEM FORUM
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MEF DATA
READY, STEADY, 5G: A QUICK UPTAKE EXPECTED,
BUT WHAT WILL BE THE IMPACT?
5G network launches are now gathering
momentum. What should the industry
expect in terms of impact? MEF
provides a quick view of the 5G future:
• 5G is expected to show a fast take up
in 2021 – similar to the 4G launch:
networks are ready, a healthy
smartphone replacement cycle will do
the rest.
• Operators are wary of the large cost
of the new technology deployment,
they will sing the praises of 5G
marketing-wise, but their effective
rollout will be carefully paced to
manage CAPEX.
• The mobile ecosystem will enjoy the
5G advantages on service quality and
revenue even more than the mobile
operators. Expect better customer
experiences thanks to improved
speed, latency and IoT support. New
services that will benefit particularly:
fixed wireless conversion, virtual
reality applications in business, and
networked real-time gaming.
TITLE HERE
• Consumers will feel the advantages of
5G in terms of less congested
networks, but this will not be
comparable to the experience shift
from 3G to 4G where mobile become
the medium of choice for internet
consumption.
TITLE HERE
The roll-out of 5G networks has finally
reached critical mass, and 2021 will be a
significant year for the number of new
5G data connections. 5G will open the
TITLE HERE
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gate for better service quality overall,
but the real impact will on the quantity
of data that will be shared by and with
consumers. However, it might have less
than an impact on the mobile operators
supporting it overall the generic mobile
data service: 4G was a leap in their
experience of mobile data.
5G is coming
The countries ready for 5G services are
now covering a large part of the world
map (see figure below). China, the USA,
and South Korea were the early
testbeds, but we now see a much wider
implementation in Europe, South East
Asia, and South America. Only the
African content seems to lag
significantly, but there some operators
are still busy with 4G and fiber
infrastructure roll-outs. To date, 82
operators have launched a form of 5G
services in about 40 countries, and
many have announced that they will
follow.
In reality, there is not a single 5G rollout,
by an assortment of spectrum
combinations to challenge the choice in a
candy shop. Most of these differences
should eventually become insignificant
as users that expect by now to buy
‘services’ and less so networks specific
flavours. There have been delays in
allocating frequencies but even that
chapter seems to have been
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MEF DATA
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Fast uptake for 5G
5G will see a fast upgrade cycle, similar
to the one seen for 4G. The smartphone
replacement cycle might have slowed
down but it remains consistent and the
recovery from the dip during the
pandemic months in 2020 should help to
smooth the numbers. There are already
149 5G mobile devices available in the
market, and 200 announced, with prices
progressively reaching mid-range
devices.
TITLE HERE
Mobile operators: a careful trade-off
The telecoms industry has been wary of
5G, despite the general praise for the
TITLE technology, HERE operators have taken their
time to roll out. While operators are
concerned about the large costs for 5G
deployments, they still sing the praises
of 5G marketing-wise. However, the
rollouts will be carefully paced to
TITLE
manage CAPEX.
HERE
There will be launches,
but 5G will not be everywhere.
For consumers, 5G will be an
improvement but not dramatically
different from its predecessor. We have
already commented before about
industrial services, they will play an
important role eventually, but they are
not still here in volume yet.
Surely there are many advancements
brought by this new generation of
mobile networks: delivering more data
and more efficiently, with lower latency
and more devices in each cell. Simply put
mobile operators will have to embrace
5G as their networks deliver more and
more data.
Operators already find signs of
commoditisation for mobile data. In
Western Europe, the Unlimited data
plans have re-surfaced and 50Gb data
plans are also common (a 50% increase
year on year on headline data bundles
size). Data consumption has grown to
about 3GB per month on average (a
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MOBILE ECOSYSTEM FORUM
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MEF DATA
25% increase year on year from 2019).
Operators will find it difficult to manage
a fast positioning of 5G bundles as
premium.
The 5G hype: a double edged sword
The hype generated around 5G in
recent years has not helped the launch
of the services – if anything, it has
probably hindered it with many
questioning the value of 5G. All of the
talks of autonomous cars based on 5G
have only shown the weakness of a
solution requiring a capillary network
deployment and good fiber connections.
The national networks required by these
services are far from reality. Many
started to think that they were sold
PowerPoint based dreams just like
during the 3G times.
The Real Winners: data
applications/service providers
However, many will be surprised by the
sheer volume of data that 5G networks
will transport. Expect more devices with
longer sessions and higher usage of
bandwidth-heavy applications such as
video. By 2022, it might not be the
TITLE quality of HERE applications but the volume of
traffic that will show the success of 5G.
Fixed wireless substitutions could be a
simple application for last-mile
substitution improving broadband
experiences – also driving much of the
TITLE HERE
traffic hike.
The launch of the latest generation of
game platforms, the PS5 and Xbox X
and S have already shown the
importance of connected gaming. The
raw power of console processors is
TITLE HERE
traded more and more by online
services. The availability of 5G with
higher throughput and lower latency will
make the mobile gaming experience
jump in quality. Mobile will become a
much more serious MM/YYYYY contender | ISSUE to the NO. XX
console world.
Networked virtual reality applications will
enjoy the lower latency, avoiding the
dizziness created by lagging images so
far. The market for interactive virtual
reality (VR) on mobile and game
platforms has seen a resurgence of
interest after the pandemic.
Entertainment and business application
developers are now re-engaging with
the potential of visually immersive
experiences. The first generation of
interactive VR services in the late 2010s
was welcome by many enthusiasts but
failed to deliver an optimal experience
to the masses.
Hardware optimization, network latency,
and capacity were holding back wider
take-up. Today, the promise of 5G
networks, edge computing, and the
much greater interest for interaction by
the public are changing the dynamics of
this market. The Mobile Ecosystem
Forum valued the global market for VR
hardware and services at 4.2 USD billion
in 2019 – expect this to grow significantly
in the next years
MOBILE ECOSYSTEM FORUM
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MEF DATA
Q1 2021 MEF BUSINESS CONFIDENCE INDEX:
SENTIMENT IS HIGH BUT WINTER IS COMING…
The results from the latest of MEF’s
new quarterly check on industry
expectations for revenue – the
Business Confidence Index (BCI) –
reveal just how the mobile ecosystem
is performing during the pandemic:
key mobile sectors are expecting
sustained growth during Q1 2021, even
after a strong Q4 2020.
However, a second wave of COVID19
has hit most of the Northern
Hemisphere,and there we see a
softening of the growth expectations
driven by North America and Europe.
MEF has collected the views of 211
professionals from across the mobile
arena globally for this update.
• The BCI decreases quarter on
quarter: whilst the second lockdown
appears to have impacted
optimism, revenue predictions for
Q1 2021 remain rosy with growth in
the sights of most
• 53% of companies working in
mobile anticipate an increase in
revenues for Q1 2021, a 4 percent
reduction on Q4 2020). 23% think
revenues will be stable (a 4 percent
increase).
TITLE HERE
TITLE HERE
• 24% expect a reduction, just like
in Q4, but of those, 11% think it
will be a larger reduction,
eliminating more than 10% of
revenues – a 1 percent increase
over Q4. Again, there are minor
signs of worsening sentiment.
TITLE HERE
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Global optimism in the mobile economy
lingers
Confidence in Q1 revenue growth is high. Key
markets across the mobile ecosystem are
showing resilience or growth as they
underpin the digital transformation
initiatives helping companies and
consumers adapt during the pandemic: e-
commerce, digital content, delivery services,
electronic payments and online banking are
today all powered by mobile.
However, the sentiment of growth is now
more muted than it was in the last six
months. MEF performed a spot survey in
June 2020 looking at growth expectations
for Q3, with 56% answering positively; three
months later it had edged up marginally
higher to 57% for Q4. The number of
companies expecting revenue growth for
the next three months is now lower – 53%
of respondents. Of these companies most
are either expecting strong growth (more
than 10%), 24% of all companies predict
good growth (from 2% to 9%) quarter on
quarter.
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MEF DATA
The mobile industry has not remained
unscathed by the massive economic
impact of the pandemic, but it seems
to be exhibiting a more resilient
performance that other sectors.
Notably, 11% of the respondents
believe that revenues will drop by
more than 10% quarter on quarter, a
slight increase over Q4 (+ 1 percent)
but also from the spot survey that
MEF took in June (+ 2 percent). See
Table 1 for a quarter on quarter
comparison.
Continuous rebound, but slowing growth
MEF put together an index summarising sentiment in
the market. This quarter we have seen a drop in the
overall global index from 0.53 to 0.46 for Q1 2021 –
leaving the market in the area denominated “Positive
Sentiment.” See Table 2 below.
TITLE HERE
More evident falls can be seen in specific sectors of
the mobile ecosystem: Mobile Personal Data &
Identity services is still enjoying the highest growth
TITLE
sentiment
HERE
(0.62), but much lower than the early
interest shown immediately post lock-down – a drop
of 0.16 points. Enterprise communication services
(including A2P messaging) is still the second strongest
market with healthy growth. Mobile payment jumps to
TITLE third in terms HERE of growth expectations, overtaking
Mobile Advertising that drops from third down to last
position.
More evident falls can be seen in specific
sectors of the mobile ecosystem: Mobile
Personal Data & Identity services is still
enjoying the highest growth sentiment (0.62),
but much lower than the early interest shown
immediately post lock-down
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– a
|
drop
ISSUE
of
NO.
0.16
XX
points. Enterprise communication services
(including A2P messaging) is still the second
strongest market with healthy growth. Mobile
payment jumps to third in terms of growth
expectations, overtaking Mobile Advertising
that drops from third down to last position.
Mobile IoT saw the weakest
expectations of growth in
Q4, but the rate of
development has caught up
significantly with a jump of
0.24 seeing it move from
‘neutral’ to the mostly
positive’ area. Mobile
Content and Mobile
Payments have also seen
large jolts (+0.23/+0.24).
Companies might have
paused some of the IoT
implementations straight
after lockdown, but we have
heard anecdotal evidence of
new IoT projects for 2021,
connected with plans for
digitalisation, efficiency and
reducing requirements for
human interaction.
Geographically, the Northern
Hemisphere seems to have
reduced their growth
expectation as the second
lockdown was linked to the
lower temperatures during
winter.
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MEF DATA
Companies operating in North America and Europe and this with a truly global
presence are the ones feeling less optimistic about the next quarter. Companies
operating in Central Asia have the lowest expectations of all, even if they moved from
a position of ‘mostly negative’ to ‘neutral’ sentiment. Europe and South Asia share the
second lowest position on the growth index with a rating of 0.08 – effectively a
‘neutral’ stance. Trading conditions across Africa and Latin America
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are showing
| ISSUE NO. XX
positive sentiments towards growth. The biggest jump is in Australia and New Zeeland
where we saw a jump from ‘negative’ sentiment to ‘neutral’
The Guide to our Sentiment scale is available here in Table 5. The Sentiment is a
weighted calculation of revenue growth expectations.
TITLE HERE
TITLE HERE
TITLE HERE
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MEF DATA
Sector Growth expectations
Here is the detailed view of what people expect for each sector. ‘Strong growth’ is
described as anything over 10%. 32% of companies working in Mobile Payments see
strong growth but only 17% of those in Mobile IoT. Another important figure is the
‘large reduction’ (again a loss greater than 10%). Mobile Advertising sees 16% of
companies afraid of a large reduction in the quarter.
MM/YYYYY | ISSUE NO. XX
Geographic variations: Global companies feel stronger revenue growth.
Global companies continue to be the ones with the most optimistic market growth
expectations: 40% of global companies report strong growth. Central Asia see the
highest number of companies concerned with a large reduction, at 18%..
TITLE HERE
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MM/YYYYY | ISSUE NO. XX
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ANTI-FRAUD, INTERCONNECTION, TRUST
MEF and its members are actively supporting the ecosystem with key initiatives to
develop the market, free it from fraud and support for superior long MM/YYYYY terms customer | ISSUE NO. XX
experience. Let the MEF team know if you would like to join some of these activities.
Anti-Smishing – UK SMS Protection Registry
o Supporting major Txt campaigns for Covid-19 vaccinations with many senderIDs
added to the denied list – also proactive action taken with additional SenderIDs
added for the 2021 Census which is likely to generate fraudulent Txt traffic.
o Renewed interest from a number of new UK Merchants – which are being
worked through
o High levels of consumer complaints of smishing reported. Around 339,000 were
reported in 7 day period – the majority originating from Sim Farms/longnumbers
o Next platform development sprint currently being defined
o Other territories - Good progress made in organizing Registries for Singapore
and Ireland and strong interest from a number of new territories
TITLE HERE
Open RCS Forum – Interconnection
Insight & Interaction
o Major vendors in the RCS ecosystems have joined forces to provide a clear
Updates & Actions
path to interoperability and messaging interconnection in the industry. MEF Is
MEF Report Business
hosting the
Messaging
meeting
– Yearly Consumer Surveys in Field
o The first meeting of the group will take place in April
01
SMS Code of Conduct– Signatories
o The new version of the the SMS Code of Conduct is in place, if you would like
your company to become a signatory and stop fraud and grey-routes please
contact James at james@mobilecosytemforum.com
TITLE HERE
MEF Survey (10 countries): Consumer Trust, Security, A2P, Smartphone User, Direct Carrier Billing
TITLE HERE
7
2021 2021
CONSUMER TRUST
REPORT- MAR 2021
MOBILE ECOSYSTEM FORUM
MEF 7 th Consumer Trust Report– consumer security in mobile
o The regular yearly update on consumer’s sentiment on
trust, security and privacy on mobile will be release in
May. Let Ewa know if you would like to have early
access to the data and insight.
A2P BUSINESS
MESSAGING
REPORT - APR 2021
SMARTPHONE SURVEY
REPORT - MAY 2021
SECURITY IN MOBILE-
JUNE 2021
53

MM/YYYYY | ISSUE NO. XX
UNDERSTAND
INFLUENCE
MONETISE
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ABOUT MEF
Mobile Ecosystem Forum is a not-for-profit
global trade body that acts as an impartial
and authoritative champion for addressing
issues affecting the broadening mobile
ecosystem. We provide our members with
a global and cross-sector platform for
networking, collaboration and advancing
industry solutions. The goal is to accelerate
the growth of a sustainable mobile
ecosystem that delivers trusted services
worldwide. Established in 2000 and
headquartered in the UK, MEF’s members
are active across Africa, Asia, Europe,
Middle East, North and Latin America.
MEF provides a community that offers
Insight (reports, surveys, market guidance);
Interaction (events, networking, visibility)
and Impact (advocacy, code of conducts,
industry initiatives).
TITLE HERE
To join the MEF communities please email
info info@mobileecosystemforum.com
Contact Sam if you’d like to contribute an
article.
TITLE HERE
If you would like to explore the range of
MEF Member sponsorship opportunities
available at any MEF Connects then please
contact Iain McCallum
Follow us on LinkedIn, register for the
member area and subscribe to MEF’s
newsletters to keep up to date with MEF
activities throughout the month.
TITLE HERE
DARIO BETTI
CEO
SUSAN FINLAYSON-SITCH
DIRECTOR OF OPERATIONS
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JAMES WILLIAMS
DIRECTOR OF PROGRAMS
IAIN MCCALLUM
DIRECTOR OF ENGAGEMENT
EWA PEPPITT
GLOBAL MEMBER MANAGER
SAM HILL
GLOBAL COMMUNICATIONS MANAGER
CAROL BENITES
MEMBER & MARKETING COORDINATOR
MIKE ROUND
PROJECT DIRECTOR REGISTRY
NIKKI BAILEY
REGISTRY OPERATION MANAGER
ANDREW PARKIN-WHITE
ADVISOR IoT
DANIEL MENSI
ADVISOR BLOCKCHAIN
SERAFINO ABATE
ADVISOR REGULATION
DHONI IBRAHIM
DESIGNER
MOBILE ECOSYSTEM FORUM
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APPENDIX
© 2021 Mobile Ecosystem Forum Ltd.
All Rights Reserved.
Disclaimer
Mobile Ecosystem Forum Ltd. makes no representation,
warranty or undertaking with respect to and does not
accept any responsibility for, and hereby disclaims liability
for the accuracy, completeness or timeliness of the
information provided.
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