Mobile Economy 2021
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Vodafone: Expanding Access to Financial Services
Vodafone: Expanding Access to Financial Services Initiative Description In 2008, Vodafone joined the Business Call to Action (BCtA) with its pledge to increase access to financial services, drive small-scale enterprise, and stimulate economic growth in key emerging markets through its Vodafone Money Transfer platform known locally in Kenya, Tanzania, Fiji, Afghanistan, and South Africa as M-PESA or M-Paisa. Vodafone’s goal: • Expand access of Money Transfer platform in Kenya, Tanzania, South Africa, Fiji, and Afghanistan so that people can securely receive or transfer money Business Model Across the developing world, lack of access to basic financial services hinders economic growth and development. Informal, cash-based economies leave citizens vulnerable to risks and without a secure means of saving or transferring money. Experts estimate that roughly three billion people worldwide are unbanked.1 For the vast majority of this population, paying bills, saving money, or sending cash to family members in another village, is a dangerous, time consuming, and expensive prospect. With roughly two billion mobile phone users in developing countries, mobile money transfer and payment services provide a potential solution to connect the millions of people who do not have access to formal financial services. In 2005, Vodafone won a grant from the UK Department of International Development to develop a new application that specifically targeted the unbanked in Africa. Vodafone chose to pilot the project in Kenya, where over 70 percent of households did not have bank accounts, but many had access to a mobile phone.2 The goal was to provide a mobile application which offered a valuable service for an underserved market group of low-income consumers that had use of a mobile phone yet lacked access to financial services. -
New Branches for the 2Africa Subsea Cable System
New branches for the 2Africa subsea cable system 16 August, 2021: The 2Africa consortium, comprised of China Mobile International, Facebook, MTN GlobalConnect, Orange, stc, Telecom Egypt, Vodafone and WIOCC, announced today the addition of four new branches to the 2Africa cable. The branches will extend 2Africa’s connectivity to the Seychelles, the Comoros Islands, and Angola, and bring a new landing to south-east Nigeria. The new branches join the recently announced extension to the Canary Islands. 2Africa, which will be the largest subsea cable project in the world, will deliver faster, more reliable internet service to each country where it lands. Communities that rely on the internet for services from education to healthcare, and business will experience the economic and social benefits that come from this increased connectivity. Alcatel Submarine Networks (ASN) has been selected to deploy the new branches, which will increase the number of 2Africa landings to 35 in 26 countries, further improving connectivity into and around Africa. As with other 2Africa cable landings, capacity will be available to service providers at carrier- neutral data centres or open-access cable landing stations on a fair and equitable basis, encouraging and supporting the development of a healthy internet ecosystem. Marine surveys completed for most of the cable and Cable manufacturing is underway Since launching the 2Africa cable in May 2020, the 2Africa consortium has made considerable progress in planning and preparing for the deployment of the cable, which is expected to ‘go live’ late 2023. Most of the subsea route survey activity is now complete. ASN has started manufacturing the cable and building repeater units in its factories in Calais and Greenwich to deploy the first segments in 2022. -
Mtn Group Limited
MTN GROUP LIMITED Telecommunications Company Key Findings: OVERALL SCORE TELECOMMUNICATIONS RANK • MTN made a commitment to human rights at the corporate level, but lacked disclosure of policies % that affect users’ freedom of expression and privacy in practice. 15 6 • MTN disclosed almost no information about how it handles government or private requests to restrict content or accounts, or for user information. South OPERATING COMPANY SERVICES EVALUATED EVALUATED African law prevents disclosure of government • Pre-Paid Mobile requests for user information, but MTN could MTN SOUTH • Post-Paid Mobile disclose government requests for content restrictions and requests from private parties. AFRICA South Africa • MTN revealed little about how it secures user information, including how it responds to data breaches. ANALYSIS MTN ranked sixth out of the 10 telecommunications About MTN Group Limited companies evaluated and 17th in the Index overall.1 Although South Africa’s internet environment is ranked as “free” by MTN Group Limited is a telecommunications company that Freedom House,2 the company operates in a number of serves markets in more than 20 countries in Africa, Asia, challenging markets including Iran, Rwanda, Afghanistan, and the Middle East.3 It offers voice and data services, and and other countries across the Middle East and North Africa, business services, such as cloud, infrastructure, network, making it difficult for the company to disclose concrete software, and enterprise mobility. policies to implement its commitment to respect human Market Cap: USD 16,398 million4 rights across all of its global operations. MTN’s group-level JSE: MTN corporate entity has historically relied on the company’s Domicile: South Africa operations outside of South Africa for revenue. -
Assessing the Digital Economy: Aims, Frameworks, Pilots, Results, and Lessons Nagy K
Hanna Journal of Innovation and Entrepreneurship (2020) 9:16 Journal of Innovation and https://doi.org/10.1186/s13731-020-00129-1 Entrepreneurship RESEARCH Open Access Assessing the digital economy: aims, frameworks, pilots, results, and lessons Nagy K. Hanna Correspondence: nagyhanna@ comcast.net Abstract World Bank, Bethesda, MD, USA The article discusses the motivations for a holistic assessment of the digital economy. It outlines the pilot assessment program initiated by the World Bank Group and describes the assessment frameworks, tools, and processes deployed in selected pilot countries. It identifies the common challenges faced and lessons learned from applying these assessments in different contexts. These challenges include prioritizing digital diagnosis objectives, addressing inequality and poverty issues, securing participation and partnership of stakeholders, addressing implementation challenges, and integrating digital transformation strategy into a country development strategy. Other challenges include harnessing digital innovation and entrepreneurship, mobilizing local demand for the new technologies, engaging business in digital diagnosis, and adopting multi-disciplinary and whole-of-society approaches. The article addresses the implications of these challenges and draws broad lessons and practical recommendations for developing countries and aid agencies. Keywords: Digital economy, Digital development, Digital technologies, Digital innovation, Digital entrepreneurship, Digital strategy, Disruptive technologies Introduction A key aim of this article is to provide just-in-time learning from the rich experiences gained from developing digital economy (DE) assessment tools and piloting them in di- verse country contexts. Related aims are to share lessons on the effective use of these tools to enhance the quality of diagnostic advice, and improve the data that may be shared and used to inform the advice and subsequent digital strategy formulation. -
What Makes a Successful Mobile Money Implementation
Becoming a member There are three types of GSMA membership: Full, Associate and Rapporteur. Full Membership Full Membership is open to licensed GSM mobile network operators. Associate Membership Associate Membership is open to designers, manufacturers and suppliers of GSM technology platforms. These might include anything from software and infrastructure, equipment and accessories, to billing, data, finance or security. Rapporteur Membership Rapporteur Membership is open to non-GSM licensed operators moving to LTE/HSPA or those wishing to roam on GSM. To find out how GSMA membership can benefit your business, or to apply today, visit www.gsmworld.com/membership or email [email protected] Mobile Money for the Unbanked For further information please contact [email protected] GSMA London Office 1st Floor, Mid City Place, 71 High Holborn, London WC1V 6EA, United Kingdom T +44 (0) 20 7759 2300 www.gsmworld.com/membership What Makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania What makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania Table of Contents Foreword 2 Introduction 3 Kenya and Tanzania 3 Urbanization 4 Economic Development 4 Access to Finance 4 Previous Methods of Money Transfer 5 The Service Providers – Safaricom and Vodacom 6 Ownership and Positioning 6 Market Share 6 Agent Network 7 Advertising 8 Fee Structure 9 Technology 9 Conclusions 10 Authors and References 11 01 What makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania Foreword Contributed By: Paul Leishman, GSMA The mobile money community has watched (and 3. Product compared) the adoption of M-PESA in Kenya and Within the last three months, Vodacom introduced Tanzania with great interest. -
Swisscom Sustainability Report 2018
Sustainability Report 2018 Annual Report publications Annual Report 2018 Sustainability Report 2018 2018 at a glance The Annual Report, Sustainability Report and 2018 at a glance together make up Swisscom’s reporting on 2018. The three publications are available online at: swisscom.ch/report2018 “Inspiring people” concept The networked world offers countless opportunities that we canbegin to shape today. Top quality, groundbreaking innovation, deep-rooted commitment – we feel lucky to be able to inspire people and to lead them to embrace the opportunities that a networked future offers. The images used in our reporting show how and where we inspired people in 2018: from high in the Alps to people’s homes, in business and in our Swisscom Shops. A big thank-you to all who took the time to pose for these photographs: Pius and Jeanette Jöhl with their kids at the Oberchäseren alp, a houseshare with friends in Zurich (Seraina Cadonau, Anna Spiess, Linard Baer and Johannes Schutz), Ypsomed AG in Burgdorf, Stefan Mauron, our customer Jeannette Furter, and the entire crew at House of Swisscom in Basel. Corporate Responsibility Fulfilling the expectations of our stakeholder groups in a responsible manner. Introduction Stakeholders’ letter ............................................4 Sustainable environment ......................................5 Material issues ...............................................11 Corporate Priorities and objectives up until 2020 .........................13 Responsibility strategy Priorities and objectives up until -
Technology Fast 50 Turkey Winners and CEO Survey 2016 A
T Technology Fast 50 50 2016 TURKEY Technology Fast 50 Turkey Winners and CEO Survey 2016 A world of possibilities November 2016 Technology Fast 50 Turkey Winners and CEO Survey 2016| A world of possibilities Foreword 1 Overview 2 Technology Fast 50 Turkey Program 4 The benefits of participating at Technology Fast 50 program 5 Technology Fast 50 Turkey 2016 Partners 7 Fast Facts 14 Technology Special Award 17 Big Stars 19 The Winners: Top ten companies 24 Technology Fast 50 Turkey 2016 winners profiles 36 Technology Fast 50 Turkey 2016 CEO survey 59 02 Technology Fast 50 Turkey Winners and CEO Survey 2016| A world of possibilities Foreword It’s my great pleasure to announce the results of the 11th Deloitte Technology Fast 50 Program aims nothing but to Deloitte Technology Fast 50 Turkey Program. encourage our technology ecosystem to innovate, excel, and inspire further. We believe that these recognized winners will Over the last ten years, we have been placing the fastest growing lead the growth and development in the industry. Turkish technology companies in the spotlight. Every year, we discover new entrants and witness the inspirational growth We would like to thank our long-standing partners MOBILSIAD, of the previous winners, feeling proud of Turkey’s technology TBD, TBV, TESID, TTGV, TUBISAD, and YASAD for their companies as they get local and global recognition. collaboration and support in making this program a success. Deloitte is proud to be part of this distinguished community and When we look at the past ten years, we see that 213 Turkish help our technology companies earn the global recognition they companies were ranked in the Program. -
Mobile Data Consumption Continues to Grow – a Majority of Operators Now Rewarded with ARPU
Industry analysis #3 2019 Mobile data – first half 2019 Mobile data consumption continues to grow – a majority of operators now rewarded with ARPU Taiwan: Unlimited is so last year – Korea: 5G boosts usage Tefficient’s 24th public analysis on the development and drivers of mobile data ranks 115 operators based on average data usage per SIM, total data traffic and revenue per gigabyte in the first half of 2019. tefficient AB www.tefficient.com 5 September 2019 1 The data usage per SIM grew for all; everybody climbed our Christmas tree. More than half of the operators could turn that data usage growth into ARPU growth – for the first time a majority is in green. Read on to see who delivered on “more for more” – and who didn’t. Speaking of which, we take a closer look at the development of one of the unlimited powerhouses – Taiwan. Are people getting tired of mobile data? We also provide insight into South Korea – the world’s leading 5G market. Just how much effect did 5G have on the data usage? tefficient AB www.tefficient.com 5 September 2019 2 Fifteen operators now above 10 GB per SIM per month Figure 1 shows the average mobile data usage for 115 reporting or reported1 mobile operators globally with values for the first half of 2019 or for the full year of 2018. DNA, FI 3, AT Zain, KW Elisa, FI LMT, LV Taiwan Mobile, TW 1) FarEasTone, TW 1) Zain, BH Zain, SA Chunghwa, TW 1) *Telia, FI Jio, IN Nova, IS **Maxis, MY Tele2, LV 3, DK Celcom, MY **Digi, MY **LG Uplus, KR 1) Telenor, SE Zain, JO 3, SE Telia, DK China Unicom, CN (handset) Bite, -
M-PESA: Mobile Money for the “Unbanked” Turning Cellphones Into 24-Hour Tellers in Kenya
Nick Hughes and Susie Lonie M-PESA: Mobile Money for the “Unbanked” Turning Cellphones into 24-Hour Tellers in Kenya In March 2007, Kenya’s largest mobile network operator, Safaricom (part of the Vodafone Group) launched M-PESA, an innovative payment service for the unbanked. “Pesa” is the Swahili word for cash; the “M” is for mobile. Within the first month Safaricom had registered over 20,000 M-PESA customers, well ahead of the targeted business plan. This rapid take-up is a clear sign that M-PESA fills a gap in the market. The product concept is very simple: an M-PESA customer can use his or her mobile phone to move money quickly, securely, and across great dis- tances, directly to another mobile phone user. The customer does not need to have a bank account, but registers with Safaricom for an M-PESA account. Customers turn cash into e-money at Safaricom dealers, and then follow simple instructions on their phones to make payments through their M-PESA accounts; the system provides money transfers as banks do in the developed world. The account is very secure, PIN-protected, and supported with a 24/7 service provided by Safaricom and Vodafone Group. The project faced formidable financial, social, cultural, political, technological, and regulatory hurtles. A public-sector challenge grant helped subsidize the invest- ment risk. To implement, Vodafone had to marry the incredibly divergent cultures of global telecommunications companies, banks, and microfinance institutions –and cope with their massive and often contradictory regulatory requirements. Finally, the project had to quickly train, support, and accommodate the needs of Two authors have written this case study, each taking up one part of the story. -
Before the FEDERAL COMMUNICATIONS COMMISSION Washington, D.C
Before the FEDERAL COMMUNICATIONS COMMISSION Washington, D.C. In the Matter of EDGE CABLE HOLDINGS USA, LLC, File No. SCL-LIC-2020-____________ AQUA COMMS (AMERICAS) INC., AQUA COMMS (IRELAND) LIMITED, CABLE & WIRELESS AMERICAS SYSTEMS, INC., AND MICROSOFT INFRASTRUCTURE GROUP, LLC, Application for a License to Land and Operate a Private Fiber-Optic Submarine Cable System Connecting the United States, the United Kingdom, and France, to Be Known as THE AMITIÉ CABLE SYSTEM JOINT APPLICATION FOR CABLE LANDING LICENSE— STREAMLINED PROCESSING REQUESTED Pursuant to 47 U.S.C. § 34, Executive Order No. 10,530, and 47 C.F.R. § 1.767, Edge Cable Holdings USA, LLC (“Edge USA”), Aqua Comms (Americas) Inc. (“Aqua Comms Americas”), Aqua Comms (Ireland) Limited (“Aqua Comms Ireland,” together with Aqua Comms Americas, “Aqua Comms”), Cable & Wireless Americas Systems, Inc. (“CWAS”), and Microsoft Infrastructure Group, LLC (“Microsoft Infrastructure”) (collectively, the “Applicants”) hereby apply for a license to land and operate within U.S. territory the Amitié system, a private fiber-optic submarine cable network connecting the United States, the United Kingdom, and France. The Applicants and their affiliates will operate the Amitié system on a non-common-carrier basis, either by providing bulk capacity to wholesale and enterprise customers on particularized terms and conditions pursuant to individualized negotiations or by using the Amitié cable system to serve their own internal business connectivity needs. The existence of robust competition on U.S.-U.K., U.S.-France, and (more broadly) U.S.-Western Europe routes obviates any need for common-carrier regulation of the system on public-interest grounds. -
Leveraging Mobile Phones to Enable Basic Banking, Payments, and Economic Growth
DELIVERY NOTE April 2017 Leveraging Mobile Phones to Enable Basic Banking, Payments, and Economic Growth Context PROJECT DATA In the developed world, one barrier hindering the switch to mobile cash is SECTOR: the costly banking infrastructure—cash machines and bank branches. But in Financial Kenya, bank branches and ATMs are few. Before 2007, Kenyans had difficulty DEVELOPMENT CHALLENGE: transferring money, as there was no well-established, non-cash method for Lack of non-cash payment financial transactions. However, 83 percent of the population 15 years and older methods to support economic transactions had mobile phones with embedded SIM cards, a technology that can facilitate DELIVERY CHALLENGES: many things, including payment transactions. Stakeholder roles and responsibilities, business Development Challenge environment: technology and market, banking regulations Lack of a well-established, trusted, robust method other than cash for carrying COUNTRY: out financial transactions was limiting economic activity and job creation in Kenya Kenya. For the many Kenyans who work long distances from their places of PROJECT DURATION: 2005–2017 birth, the lack of an easy, cost-effective way to send money hampered work REGION: mobility and the ability for workers to send remittances back home. The lack Sub-Saharan Africa of easy access to basic banking account services hampered accumulation of This note was produced by Aldo savings for investment and payments. Morri at the World Bank, from an original case study published by the Centre for Public Impact The Intervention (CPI). To access the original case study, please click here: M-PESA, a mobile-payment scheme run by Vodafone, and Safaricom, Kenya’s largest operator (40 percent owned by Vodafone), created an alternative to banks. -
Turkcell the Digital Operator
Turkcell the Digital Operator Turkcell Annual Report 2018 About Turkcell Turkcell is a digital operator headquartered in Turkey, serving its customers with its unique portfolio of digital services along with voice, messaging, data and IPTV services on its mobile and fixed networks. Turkcell Group companies operate in 5 countries – Turkey, Ukraine, Belarus, Northern Cyprus, Germany. Turkcell launched LTE services in its home country on April 1st, 2016, employing LTE-Advanced and 3 carrier aggregation technologies in 81 cities. Turkcell offers up to 10 Gbps fiber internet speed with its FTTH services. Turkcell Group reported TRY 21.3 billion revenue in FY18 with total assets of TRY 42.8 billion as of December 31, 2018. It has been listed on the NYSE and the BIST since July 2000, and is the only NYSE-listed company in Turkey. Read more at www.turkcell.com.tr/english-support All financial results in this annual report are prepared in accordance with International Financial Reporting Standards (IFRS) and expressed in Turkish Lira (TRY or TL) unless otherwise stated. TABLE OF CONTENTS TRY Turkcell Group 16 Chairman’s Message 21.3 20 Board of Directors 22 Message from the CEO billion 26 Executive Officers 28 Top Management of Subsidiaries REVENUES 30 Turkcell Group 31 Our Vision, Target, Strategy and Approach 32 2018 at a Glance 34 2018 Highlights 36 The World’s 1st Digital Operator Brand: Lifecell 37 Turkcell’s Digital Services 2018 Operations 38 Exemplary Digital Operator 40 Our Superior Technology 41.3% 46 Our Consumer Business EBITDA 52 Our