The rapid growth and adoption of mobile VAS services has accelerated the growth for mobile remittance and mobile commerce technologies and solutions. This market opportunity is set to become a significant revenue source for Telcos in the coming years. This Mobile Remittance, Mobile Money & Mobile Commerce (mCommerce) Market research report provides a deep analysis of the key trends concerning mobile transfer and remittance market such as multilateral hubbing, market consolidation and role and responsibility of  MNO’s and third party service providers within the MTR ecosystem. This report also covers an in-depth analysis of each stakeholder revenue generation opportunities at each level in the value chain.

TABLE OF CONTENTS

1 INTRODUCTION
  1.1 KEY TAKE-AWAYS
  1.2 REPORT DESCRIPTION
  1.3 MARKETS COVERED
  1.4 STAKEHOLDERS
  1.5 FORECAST ASSUMPTIONS
  1.6 RESEARCH METHODOLOGY

2 EXECUTIVE SUMMARY

3 MARKET OVERVIEW
  3.1 MARKET DEFINITION – MOBILE MONEY
  3.2 EVOLUTION OF MOBILE MONEY
  3.3 MARKET SEGMENTATION
  3.4 OVERALL MARKET SIZE
  3.5 WINNING IMPERATIVES
  3.6 BURNING ISSUES
  3.7 MARKET DYNAMICS
      3.7.1 DRIVERS
      3.7.2 RESTRAINTS
      3.7.3 OPPORTUNITES
  3.8 IMPACT ANALYSIS OF DROS
  3.9 VALUE-CHAIN ANALYSIS
  3.10 MOBILE PAYMENT ECOSYSTEM
      3.10.1 CONSUMERS
      3.10.2 FINANCIAL SERVICE PROVIDERS (FSP)
      3.10.3 PAYMENT SERVICE PROVIDERS (PSP)
      3.10.4 IN-SERVICE PROVIDERS (MERCHANTS, CONTENT PROVIDERS)
      3.10.5 NETWORK SERVICE PROVIDERS (NSP)
      3.10.6 DEVICE MANUFACTURERS
      3.10.7 REGULATORS
      3.10.8 STANDARDIZATION AND INDUSTRY BODIES
      3.10.9 TRUSTED SERVICE MANAGERS (TSM)
      3.10.10 APPLICATION DEVELOPERS

4 MOBILE MONEY TECHNOLOGIES AND REGULATORY TRENDS
  4.1 INTRODUCTION
  4.2 TECHNOLOGIES AND PLATFORMS
      4.2.1 NEAR FIELD COMMUNICATIONS (NFC)
      4.2.2 RADIO FREQUENCY IDENTIFICATION (RFID)
      4.2.3 DIGITAL AND MOBILE WALLETS (MWALLET)
      4.2.4 WEB AND WAP PAYMENTS
      4.2.5 SMS/APPLICATION
      4.2.6 UNSTRUCTURED SUPPLEMENTARY SERVICES DATA (USSD)
      4.2.7 SIM TOOLKIT (STK)
      4.2.8 J2ME/BREW
      4.2.9 SIM-BASED APPLICATION
  4.3 CURRENT REGULATIONS AND STRATEGIC INITIATIVES
      4.3.1 ANTI-MONEY LAUNDERING (AML)
      4.3.2 COMBATING FINANCING OF TERRORISM (CFT)
      4.3.3 EU PAYMENT SERVICES DIRECTIVE (PSD)
      4.3.4 GSMA MOBILE MONET TRANSFER (MMT)
      4.3.5 DEPARTMENT FOR INTERNATIONAL DEVELOPMENT IN THE UK, (DFID)
      4.3.6 CONSULTATIVE GROUP FOR ASSISTING THE POOR (CGAP)
      4.3.7 SEPA
      4.3.8 KNOW YOUR CUSTOMER (KYC)
      4.3.9 CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE (CARD) ACT
      4.3.10 UNIFORM COMMERCIAL CODE (UCC)

5 MOBILE MONEY MARKET SIZE AND FORECAST BY TYPES OF MOBILE PAYMENTS
  5.1 BY LOCATION
      5.1.1 REMOTE PAYMENTS
            5.1.1.1 OVERVIEW
            5.1.1.2 MARKET SIZE AND FORECAST
      5.1.2 PROXIMITY PAYMENTS
            5.1.2.1 OVERVIEW
            5.1.2.2 MARKET SIZE AND FORECAST
  5.2 BY NATURE OF PAYER AND PAYEE
      5.2.1 PERSON-TO-PERSON (P2P)
      5.2.1.1 OVERVIEW
      5.2.1.2 MARKET SIZE AND FORECAST
      5.2.2 PERSON-TO-BUSINESS (P2B)
            5.2.2.1 OVERVIEW
            5.2.2.2 MARKET SIZE AND FORECAST
      5.2.3 BUSINESS-TO-PERSON (B2P)
            5.2.3.1 OVERVIEW
            5.2.3.2 MARKET SIZE AND FORECAST
      5.2.4 BUSINESS-TO-BUSINESS (B2B)
            5.2.4.1 OVERVIEW
            5.2.4.2 MARKET SIZE AND FORECAST
  5.3 BY MOBILE PAYMENT MODES AND SCHEMES
      5.3.1 PAYMENT TO MOBILE PHONE
            5.3.1.1 OVERVIEW
            5.3.1.2 MARKET SIZE AND FORECAST
      5.3.2 PREMIUM RATE SMS (PRSMS)
            5.3.2.1 OVERVIEW
            5.3.2.2 MARKET SIZE AND FORECAST
      5.3.3 MOBILE WEB AND WAP
            5.3.3.1 OVERVIEW
            5.3.3.2 MARKET SIZE AND FORECAST
      5.3.4 SMS/JAVA/SIM TOOLKIT (STK)
            5.3.4.1 OVERVIEW
            5.3.4.2 MARKET SIZE AND FORECAST
      5.3.5 SMARTPHONE APPLICATIONS
            5.3.5.1 OVERVIEW
            5.3.5.2 MARKET SIZE AND FORECAST
      5.3.6 NFC/SMART CARDS
            5.3.6.1 OVERVIEW
            5.3.6.2 MARKET SIZE AND FORECAST
      5.3.7 IVR BANKING
            5.3.7.1 OVERVIEW
            5.3.7.2 MARKET SIZE AND FORECAST
      5.3.8 MOBILE WALLET
            5.3.8.1 OVERVIEW
            5.3.8.2 MARKET SIZE AND FORECAST
  5.4 BY MODES OF PAYMENT
      5.4.1 CONTACTLESS PAYMENT MODES
            5.4.1.1 PAYMENT TRANSACTIONS
            5.4.1.2 INFORMATION BASED TRANSACTIONS
            5.4.1.3 AUTHENTICATION/ID BASED TRANSACTIONS
      5.4.2 REMOTE PAYMENT MODES
            5.4.2.1 PROPRIETARY PAYMENT SYSTEMS
            5.4.2.2 OPEN PAYMENT SYSTEMS
  5.5 BY TYPE OF MONEY TRANSACTION
      5.5.1 DOMESTIC MONEY TRANSACTION
            5.5.1.1 OVERVIEW
            5.5.1.2 MARKET SIZE AND FORECAST
      5.5.2 INTERNATIONAL MONEY TRANSACTION
            5.5.2.1 OVERVIEW
            5.5.2.2 MARKET SIZE AND FORECAST
      5.5.3 SOPHISTICATED FINANCIAL SERVICES
            5.5.3.1 OVERVIEW
            5.5.3.2 MARKET SIZE AND FORECAST

6 MOBILE MONEY: SERVICE PROVIDER BUSINESS MODELS
  6.1 OPERATOR-CENTRIC MODEL
      6.1.1 OVERALL APPROACH
      6.1.2 KEY FEATURES
      6.1.3 EXAMPLES
  6.2 FINANCIAL INSTITUTION/BANK-CENTRIC MODEL
      6.2.1 OVERALL APPROACH
      6.2.2 KEY FEATURES
      6.2.3 EXAMPLES
  6.3 COLLABORATION MODEL
      6.3.1 OVERALL APPROACH
      6.3.2 KEY FEATURES
      6.3.3 EXAMPLES
  6.4 PEER-TO-PEER MODEL
      6.4.1 OVERALL APPROACH
      6.4.2 KEY FEATURES
      6.4.3 EXAMPLES
 
7 MARKET SIZE AND FORECAST BY MOBILE DEVICES
  7.1 TOTAL MOBILE HANDSETS
      7.1.1 OVERVIEW
      7.1.2 MARKET SIZE AND FORECAST BY SHIPMENTS
      7.1.3 MARKET SIZE AND FORECAST BY USERS
  7.2 SMARTPHONES
      7.2.1 OVERVIEW
      7.2.2 MARKET SIZE AND FORECAST BY SHIPMENTS
      7.2.3 MARKET SIZE AND FORECAST BY USERS
  7.3 NFC ENABLED PHONES
      7.3.1 OVERVIEW
      7.3.2 MARKET SIZE AND FORECAST BY SHIPMENTS
      7.3.3 MARKET SIZE AND FORECAST BY USERS

8 MOBILE MONEY: MARKET SIZE AND FORECAST BY VERTICAL SEGMENTS
  8.1 BANKING & FINANCIAL
      8.1.1 OVERVIEW
      8.1.2 MARKET SIZE AND FORECAST
  8.2 TELECOMMUNICATIONS
      8.2.1 OVERVIEW
      8.2.2 MARKET SIZE AND FORECAST
  8.3 MEDIA AND ENTERTAINMENT
      8.3.1 OVERVIEW
      8.3.2 MARKET SIZE AND FORECAST
  8.4 HOSPITALITY
      8.4.1 OVERVIEW
      8.4.2 MARKET SIZE AND FORECAST
  8.5 TRANSPORTATION
      8.5.1 OVERVIEW
      8.5.2 MARKET SIZE AND FORECAST
  8.6 CONSUMER GOODS & RETAIL
      8.6.1 OVERVIEW
      8.6.2 MARKET SIZE AND FORECAST
  8.7 OTHERS
      8.7.1 OVERVIEW
      8.7.2 MARKET SIZE AND FORECAST

9 MOBILE MONEY: MARKET SIZE AND FORECAST BY GEOGRAPHIES
  9.1 NORTH AMERICA
      9.1.1 OVERVIEW
      9.1.2 MARKET SIZE & FORECAST
      9.1.3 COMMERCIAL EFFORTS AND PILOTS
      9.1.4 MOBILE OPERATORS AND INITIATIVES
  9.2 LATIN AMERICA
      9.2.1 OVERVIEW
      9.2.2 MARKET SIZE & FORECAST
      9.2.3 COMMERCIAL EFFORTS AND PILOTS
      9.2.4 MOBILE OPERATORS AND INITIATIVES
  9.3 EUROPE
      9.3.1 OVERVIEW
      9.3.2 MARKET SIZE & FORECAST
      9.3.3 COMMERCIAL EFFORTS AND PILOTS
      9.3.4 MOBILE OPERATORS AND INITIATIVES
  9.4 ASIA-PACIFIC (APAC)
      9.4.1 OVERVIEW
      9.4.2 MARKET SIZE & FORECAST
      9.4.3 COMMERCIAL EFFORTS AND PILOTS
      9.4.4 MOBILE OPERATORS AND INITIATIVES
  9.5 MIDDLE-EAST & AFRICA (MEA)
      9.5.1 OVERVIEW
      9.5.2 MARKET SIZE & FORECAST
      9.5.3 COMMERCIAL EFFORTS AND PILOTS
      9.5.4 MOBILE OPERATORS AND INITIATIVES

10 COMPETITIVE LANDSCAPE
  10.1 OVERVIEW
  10.2 VENDOR SHARE ANALYSIS
  10.3 MERGERS AND ACQUISITIONS – IMPACT ANALYSIS
  10.4 NEW PRODUCT OFFERINGS – IMPACT ANALYSIS

11 COMPANY PROFILES (KEY INDUSTRY PLAYERS)
  11.1 AEPONA
      11.1.1 OVERVIEW
      11.1.2 FINANCIALS
      11.1.3 PRODUCTS & SERVICES
      11.1.4 STRATEGY
  11.2 BANGO
      11.2.1 OVERVIEW
      11.2.2 FINANCIALS
      11.2.3 PRODUCTS & SERVICES
      11.2.4 STRATEGY
  11.3 CELLCOM
      11.3.1 OVERVIEW
      11.3.2 FINANCIALS
      11.3.3 PRODUCTS & SERVICES
      11.3.4 STRATEGY
  11.4 COMVIVA
      11.4.1 OVERVIEW
      11.4.2 FINANCIALS
      11.4.3 PRODUCTS & SERVICES
      11.4.4 STRATEGY
  11.5 CPNI
      11.5.1 OVERVIEW
      11.5.2 FINANCIALS
      11.5.3 PRODUCTS & SERVICES
      11.5.4 STRATEGY
  11.6 CRANDY
      11.6.1 OVERVIEW
      11.6.2 FINANCIALS
      11.6.3 PRODUCTS & SERVICES
      11.6.4 STRATEGY
  11.7 C-SAM
      11.7.1 OVERVIEW
      11.7.2 FINANCIALS
      11.7.3 PRODUCTS & SERVICES
      11.7.4 STRATEGY
  11.8 DIGBY
      11.8.1 OVERVIEW
      11.8.2 FINANCIALS
      11.8.3 PRODUCTS & SERVICES
      11.8.4 STRATEGY
  11.9 DONRIVER
      11.9.1 OVERVIEW
      11.9.2 FINANCIALS
      11.9.3 PRODUCTS & SERVICES
      11.9.4 STRATEGY
  11.10 ERICSSON
      11.10.1 OVERVIEW
      11.10.2 FINANCIALS
      11.10.3 PRODUCTS & SERVICES
      11.10.4 STRATEGY
  11.11 ESERV GLOBAL
      11.11.1 OVERVIEW
      11.11.2 FINANCIALS
      11.11.3 PRODUCTS & SERVICES
      11.11.4 STRATEGY
  11.12 FIRETHORN
      11.12.1 OVERVIEW
      11.12.2 FINANCIALS
      11.12.3 PRODUCTS & SERVICES
      11.12.4 STRATEGY
  11.13 FUNDAMO
      11.13.1 OVERVIEW
      11.13.2 FINANCIALS
      11.13.3 PRODUCTS & SERVICES
      11.13.4 STRATEGY
  11.14 GEMALTO
      11.14.1 OVERVIEW
      11.14.2 FINANCIALS
      11.14.3 PRODUCTS & SERVICES
      11.14.4 STRATEGY
  11.15 HYPERWALLET
      11.15.1 OVERVIEW
      11.15.2 FINANCIALS
      11.15.3 PRODUCTS & SERVICES
      11.15.4 STRATEGY
  11.16 LUUP
      11.16.1 OVERVIEW
      11.16.2 FINANCIALS
      11.16.3 PRODUCTS & SERVICES
      11.16.4 STRATEGY
  11.17 MCHEK
      11.17.1 OVERVIEW
      11.17.2 FINANCIALS
      11.17.3 PRODUCTS & SERVICES
      11.17.4 STRATEGY
  11.18 MFOUNDARY
      11.18.1 OVERVIEW
      11.18.2 FINANCIALS
      11.18.3 PRODUCTS & SERVICES
      11.18.4 STRATEGY
  11.19 MI-PAY
      11.19.1 OVERVIEW
      11.19.2 FINANCIALS
      11.19.3 PRODUCTS & SERVICES
      11.19.4 STRATEGY
  11.20 MOBIPAY
      11.20.1 OVERVIEW
      11.20.2 FINANCIALS
      11.20.3 PRODUCTS & SERVICES
      11.20.4 STRATEGY
  11.21 MONITISE
      11.21.1 OVERVIEW
      11.21.2 FINANCIALS
      11.21.3 PRODUCTS & SERVICES
      11.21.4 STRATEGY
  11.22 MOREMAGIC
      11.22.1 OVERVIEW
      11.22.2 FINANCIALS
      11.22.3 PRODUCTS & SERVICES
      11.22.4 STRATEGY
  11.23 MOZIDO
      11.23.1 OVERVIEW
      11.23.2 FINANCIALS
      11.23.3 PRODUCTS & SERVICES
      11.23.4 STRATEGY
  11.24 M-SERVICE
      11.24.1 OVERVIEW
      11.24.2 FINANCIALS
      11.24.3 PRODUCTS & SERVICES
      11.24.4 STRATEGY
  11.25 OBOPAY
      11.25.1 OVERVIEW
      11.25.2 FINANCIALS
      11.25.3 PRODUCTS & SERVICES
      11.25.4 STRATEGY
  11.26 PAYPAL
      11.26.1 OVERVIEW
      11.26.2 FINANCIALS
      11.26.3 PRODUCTS & SERVICES
      11.26.4 STRATEGY
  11.27 PROGRESS SOFT
      11.27.1 OVERVIEW
      11.27.2 FINANCIALS
      11.27.3 PRODUCTS & SERVICES
      11.27.4 STRATEGY
  11.28 ROAMWARE
      11.28.1 OVERVIEW
      11.28.2 FINANCIALS
      11.28.3 PRODUCTS & SERVICES
      11.28.4 STRATEGY
  11.29 SAP/SYBASE 365
      11.29.1 OVERVIEW
      11.29.2 FINANCIALS
      11.29.3 PRODUCTS & SERVICES
      11.29.4 STRATEGY
  11.30 SEAMLESS
      11.30.1 OVERVIEW
      11.30.2 FINANCIALS
      11.30.3 PRODUCTS & SERVICES
      11.30.4 STRATEGY
  11.31 SMARTMONEY
      11.31.1 OVERVIEW
      11.31.2 FINANCIALS
      11.31.3 PRODUCTS & SERVICES
      11.31.4 STRATEGY
  11.32 TYFONE
      11.32.1 OVERVIEW
      11.32.2 FINANCIALS
      11.32.3 PRODUCTS & SERVICES
      11.32.4 STRATEGY
  11.33 TYNTEX
      11.33.1 OVERVIEW
      11.33.2 FINANCIALS
      11.33.3 PRODUCTS & SERVICES
      11.33.4 STRATEGY
  11.34 UTIBA
      11.34.1 OVERVIEW
      11.34.2 FINANCIALS
      11.34.3 PRODUCTS & SERVICES
      11.34.4 STRATEGY
  11.35 VERIFONE
      11.35.1 OVERVIEW
      11.35.2 FINANCIALS
      11.35.3 PRODUCTS & SERVICES
      11.35.4 STRATEGY
  11.36 VISA
      11.36.1 OVERVIEW
      11.36.2 FINANCIALS
      11.36.3 PRODUCTS & SERVICES
      11.36.4 STRATEGY
  11.37 VIVOTECH
      11.37.1 OVERVIEW
      11.37.2 FINANCIALS
      11.37.3 PRODUCTS & SERVICES
      11.37.4 STRATEGY
  11.38 WESTERN UNION
      11.38.1 OVERVIEW
      11.38.2 FINANCIALS
      11.38.3 PRODUCTS & SERVICES
      11.38.4 STRATEGY
  11.39 XIUS-BCGI (MEGASOFT)
      11.39.1 OVERVIEW
      11.39.2 FINANCIALS
      11.39.3 PRODUCTS & SERVICES
      11.39.4 STRATEGY
  11.40 YELLOWPEPPER
      11.40.1 OVERVIEW
      11.40.2 FINANCIALS
      11.40.3 PRODUCTS & SERVICES
      11.40.4 STRATEGY

APPEENDIX