Release-13 Cellular Iot Deployments – February 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. -
Planning Application
Planning Application In respect of a Residential and Commercial Development at Lands at Scholarstown Road, Dublin 16 Submitted on Behalf of Ardstone Homes Limited November 2019 1.0 INTRODUCTION 1.1 Multi-Disciplinary Team 2.0 DESCRIPTION OF THE DEVELOPMENT 2.1 Development Description 2.2 What is Build-to-Rent? 3.0 SITE LOCATION AND DESCRIPTION 3.1 Site Location 3.2 Site Description 3.3 Site Context 3.4 Accessibility 3.4.1 Available Bus Services 3.4.2 Improvement of Public Transport in the Area 3.4.3 Employment Locations Available by Public Transport 3.4.4 Greater Dublin Area Cycle Network Plan (2013) 3.4.5 Services and Facilities Available in Close Proximity to the Subject Site 4.0 NATIONAL POLICY 4.1 Project Ireland 2040: The National Development Plan 2018-2027 4.2 Project Ireland 2040: National Planning Framework 4.2.1 Introduction 4.2.2 National Strategic Outcomes and Objectives 4.2.3 Population Growth and Employment 4.2.4 Current Trends in Tenure and Household Formation in Ireland 4.2.5 Sustainable Modes of Transport 4.2.6 Scale, Massing and Design 4.2.7 Waste and Environmental Issues 4.2.8 Implementing the National Planning Framework 4.3 National Spatial Strategy 2002-2020 4.4 Action Plan for Housing and Homelessness, Rebuilding Ireland 4.5 Urban Development and Building Heights – Guidelines for Planning Authorities (December 2018) 4.6 Sustainable Urban Housing: Design Standards for New Apartments – Guidelines for Planning Authorities, 2018 4.7 Urban Design Manual – A Best Practice Guide (2009); 4.8 Design Manual for Urban Roads -
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. -
Freedom on the Net, Ukraine
Ukraine https://freedomhouse.org/country/ukraine/freedom-net/2020 The COVID-19 pandemic saw the authorities prosecute users for spreading rumors online and launch several initiatives aimed at stopping the spread of the disease, including an app that monitors individuals in mandatory isolation, that infringe upon users’ privacy rights. Online journalists continued to face extralegal retaliation for their work. Cyberattacks remain a regular occurrence, affecting government and nongovernment targets alike. C1 1.00-6.00 pts0-6 pts Do the constitution or other laws fail to protect rights such as freedom of expression, access to 3.003 information, and press freedom, including on the internet, and are they enforced by a judiciary that 6.006 lacks independence? The right to free speech is granted to all citizens of Ukraine under Article 34 of the constitution, but the state may restrict this right in the interests of national security or public order, and it is sometimes restricted in practice. Article 15 of the constitution prohibits censorship.132 Ukrainian courts are hampered by corruption and political interference, and public trust in the judiciary remains low.133 Serious crimes against journalists often remain unresolved (see C7). President Zelenskyy’s administration has at times denied reporters access to information (see B5). The IMI recorded 21 COVID-19–related restrictions on the work of journalists from mid-March 2020 until the end of April 2020, including cases in which journalists were prohibited from attending government meetings or prevented from reporting.134 C2 1.00-4.00 pts0-4 pts Are there laws that assign criminal penalties or civil liability for online activities? 2.002 4.004 No dedicated law mandates criminal penalties or civil liability specifically for online activities. -
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. -
Termination Rates at European Level January 2021
BoR (21) 71 Termination rates at European level January 2021 10 June 2021 BoR (21) 71 Table of contents 1. Executive Summary ........................................................................................................ 2 2. Fixed networks – voice interconnection ..................................................................... 6 2.1. Assumptions made for the benchmarking ................................................................ 6 2.2. FTR benchmark .......................................................................................................... 6 2.3. Short term evolution of fixed incumbents’ FTRs (from July 2020 to January 2021) ................................................................................................................................... 9 2.4. FTR regulatory model implemented and symmetry overview ............................... 12 2.5. Number of lines and market shares ........................................................................ 13 3. Mobile networks – voice interconnection ................................................................. 14 3.1. Assumptions made for the benchmarking .............................................................. 14 3.2. Average MTR per country: rates per voice minute (as of January 2021) ............ 15 3.3. Average MTR per operator ...................................................................................... 18 3.4. Average MTR: Time series of simple average and weighted average at European level ................................................................................................................. -
Customer Insight Development in Vodafone Italy
Customer Insight development in Vodafone Italy Emanuele Baruffa – Vodafone Seugi - Vienna, 17-19 June 2003 Seugi 21_Vienna Pag. 1 ContentsContents:: 1. Introduction 2. Customer Base Management 3. Customer Insight 4. Data Environment 5. Conclusions Seugi 21_Vienna Pag. 2 1. Introduction 2. Customer Base Management 3. Customer Insight 4. Data Environment 5. Conclusions Seugi 21_Vienna Pag. 3 MobileMobile telephonytelephony isis oneone ofof thethe fastestfastest growinggrowing industriesindustries inin thethe worldworld Worldwide growth in subscribers (millions) ! 1 billion subscribers 1480 around the world 1321 ! Over 120 1152 countries have 958 mobile networks 727 ! Further acceleration 479 expected 206 87 14 34 Source: EITO 1991 1993 1995 1997 1999 2000 2001 2002 2003e 2004e Seugi 21_Vienna Pag. 4 Italy:Italy: Europe’sEurope’s secondsecond biggestbiggest mobilemobile marketmarket Country Subscribers Penetration Western European TLC market % growth by country (%) 10 9,1 9 Germany 60,300,000 84% 8 6,8 6,8 7 6,2 6,1 5,7 5,8 Italy 54,000,000 98% 6 5,6 5,6 5,4 5,0 5 UK 50,900,000 92% 4,0 4 France 39,000,000 77% 3 Spain 34,000,000 88% 2 1 0 Germany Italy UK France Spain Western Europe Sources: internal sources for Italy, Yankee Group for Source: EITO other European countries 2001/2002 2002/2003 Seugi 21_Vienna Pag. 5 PenetrationPenetration raterate inin thethe ItalianItalian marketmarket 60,000 96% 98% 100% 91% Subscribers (,000) 90% 50,000 Penetration Rate 80% 74% 70% 40,000 60% 53% 30,000 50% 36% 40% 20,000 30% 21% 20% 10,000 11% 10% 0 0% 1996 1997 1998 1999 2000 2001 2002 2003 Seugi 21_Vienna Pag. -
Business Segments Ranging from Small- Proportionate Mobile Customers Across the World
Proportionate mobile customers across the globe. 341.1m (2009: 302.6m; 2008: 260.5m) BrandFinance global ranking 7th most valuable brand (2009: 8th; 2008: 11th) Customers and distribution Customers are at the core of everything we do. Through our products and services we endeavour to address all our customers’ communications needs. International customer base with diverse needs Enterprise Vodafone has a truly international customer base with 341.1 million Vodafone also caters to all business segments ranging from small- proportionate mobile customers across the world. We continually office-home-office (‘SoHo’) and small-medium enterprises (‘SMEs’) to seek to develop new and innovative propositions that deliver relevance corporates and multinational corporations (‘MNCs’). While our core and value to all our customers and build a long lasting relationship mobile voice and data business continues to grow, our enterprise meeting their expectations and needs. As customers move between customers are increasingly asking for combined fixed and mobile work and home environments and look for integrated solutions, solutions for their voice and data needs as well as integrated services we have a suite of propositions which often bundle together and productivity tools. voice, messaging, data and increasingly fixed line services to meet their needs. Brand We have continued to build brand value by delivering a superior, consistent and differentiated customer experience. During the 2010 financial year we evolved our brand positioning to “power to you” emphasising our role of empowering customers to be able to live their lives to the full. It is a further expression of the importance of the customer being central to everything we do and is reinforced in communications substantiating how products and services impact and empower our customers. -
5G Implementation in Non-EU Countries of Europe Region
5G IMPLEMENTATION IN NON-EU COUNTRIES OF THE EUROPE REGION ITU Regional Initiative for Europe on Broadband Infrastructure, Broadcasting and Spectrum Management © ITU November 2020 Version 1.2 5G Implementation in non-EU countries of the Europe Region ACKNOWLEDGMENTS This paper was developed by the ITU Office for Europe within the framework of the ITU Regional Initiative for Europe on broadband infrastructure, broadcasting and spectrum management. It was elaborated by ITU Office for Europe team including Mr. Iago Bojczuk, Junior Policy Analyst, and Mr. Julian McNeill, Consultant, under the supervision and direction of Mr. Jaroslaw Ponder, Head of ITU Office for Europe. Moreover, important feedback has been provided to this report by: - Electronic and Postal Communications Authority (AKEP), Albania; - Ministry of Infrastructure and Energy, Albania; - Communications Regulatory Agency (CRA), Bosnia and Herzegovina; - Post and Telecom Administration (PTA), Iceland; - Ministry of Communications of Israel; - Office for Communications of Liechtenstein; - Ministry of Economy and Infrastructure of Moldova; - National Regulatory Agency for Electronic Communications and Information Technology (ANRCETI); - Ministry of Economy, Montenegro; - Agency for Electronic Communications and Postal Services (EKIP), Montenegro; - Ministry of Information Society and Administration, North Macedonia; - Agency for Electronic Communications of North Macedonia; - Ministry of Trade, Tourism and Telecommunications, Serbia; - Information and Communication Technologies Authority, Turkey; - National Commission for the State Regulation of Communications and Informatization, Ukraine; - Department for Digital, Culture, Media & Sport (DCMS), United Kingdom; - Dicastero per la Comunicazione - Direzione Tecnologica, Vatican City. The paper was prepared as the background contribution to the ITU Regional Forum for Europe on 5G strategies, policies and implementation, held on 22 and 23 October 2020. -
News Release
news release 31 January 2007 VODAFONE REACHES 200 MILLION CUSTOMERS Vodafone Group Plc (“Vodafone”) today announces key performance indicators for the quarter ended 31 December 2006. The main highlights are: • Organic growth of 6.1% for the quarter in proportionate mobile revenue, with proportionate growth of 0.9% in Europe and 14.4% in EMAPA. Nine months year to date organic growth in proportionate mobile revenue of 6.1% • On a statutory basis, growth in total revenue for the quarter was 5.1%, with organic service revenue growth of 4.8% • 8.7 million proportionate organic net mobile additions for the quarter. Total proportionate mobile customer base at 198.6 million at the end of the quarter after a net reduction of 1.7 million mobile customers from other movements, principally business disposals • Total proportionate mobile customer base over 200 million by the end of January • 2.5 million 3G devices added, bringing total 3G device base to 13.6 million. 3G Broadband through HSDPA available across 21 of the Group’s markets and partner networks • Completed disposal of interests in Proximus and Swisscom Mobile with net proceeds of £3.1 billion • Continued execution on revenue stimulation and total communications objectives with Vodafone At Home now launched in seven markets, including five offering DSL services, and Vodafone Office available in 11 markets • Execution of core cost reduction programmes, including IT outsourcing, data centre consolidation, supply chain management and network sharing, all on track • Vodafone re-iterates its current year outlook with the financial performance for the quarter and year to date in line with expectations Arun Sarin, Chief Executive, commented: “These KPIs are very much in line with expectations and show that we are continuing to make progress in executing our strategy. -
Prepared for Upload GCD Wls Networks
LTE‐ LTE‐ REGION COUNTRY OPERATOR LTE Advanced 5G Advanced Pro Western Europe 88 68 1 10 Andorra Total 10 0 0 Andorra Andorra Telecom 10 0 0 Austria Total 33 0 0 Austria A1 Telekom Austria 11 0 0 Austria Hutchison Drei Austria 11 0 0 Austria T‐Mobile Austria (Magenta Telekom) 11 0 0 Belgium Total 33 0 0 Belgium Orange Belgium 11 0 0 Belgium Proximus 11 0 0 Belgium Telenet (incl. BASE) 11 0 0 Denmark Total 54 0 0 Denmark Hi3G Access (3) 11 0 0 Denmark Net 1 Denmark 10 0 0 Denmark TDC (YouSee) 11 0 0 Denmark Telenor Denmark 11 0 0 Denmark Telia Denmark 11 0 0 Finland Total 53 0 1 Finland Aland Telecommunications (Alcom) 10 0 0 Finland DNA Finland 11 0 0 Finland Elisa Corporation 11 0 1 Finland Telia Finland (formerly Sonera) 11 0 0 Finland Ukkoverkot (Ukko Mobile) 10 0 0 France Total 44 0 0 France Altice France (SFR) 11 0 0 France Bouygues Telecom 11 0 0 France Free Mobile (Iliad) 11 0 0 France Orange France 11 0 0 Germany Total 33 0 1 Germany Telefonica Deutschland Holding 11 0 0 Germany Telekom Deutschland 11 0 0 Germany Vodafone Germany 11 0 1 Greece Total 33 0 0 Greece Cosmote 11 0 0 Greece Vodafone Greece (incl. Hellas Online) 11 0 0 Greece Wind Hellas (incl. Tellas) 11 0 0 Greenland Total 10 0 0 Greenland TELE Greenland 10 0 0 Guernsey Total 32 0 0 Guernsey Guernsey Airtel Limited (Airtel‐Vodafone) 10 0 0 Guernsey JT Guernsey (formerly Wave Telecom) 11 0 0 Sure Guernsey (formerly Guernsey Guernsey Telecom) 11 0 0 Iceland Total 33 0 0 Iceland Nova (Iceland) 11 0 0 Iceland Siminn (Iceland Telecom) 11 0 0 Iceland Vodafone Iceland (Syn)