Orange Money Designing Mobile Financial Services for Africa & the Middle East
Hugues Foulon CFO Africa & Middle East
1 Mobile money : a thriving industry, especially in Sub-Saharan Africa
2 Beyond P2P, we are now addressing new essential customer needs
send P2P cash-in cash-out receive a P2P pay bills
receive from abroad ticketing
ID contract salary / aid / no fee merchant subsidies
ATM and PoS devices transfer from send to bank bank receive a loan savings
1 registration 2 feeding the account 3 using the account
3 Stready growth of +76% turnover, in line with our 200M€ target for 2018
leader or co-leader significant increase of the in most of the countries customer base
Tunisie
Egypt
Mali Senegal Niger Guinee Bissau Guinee CAR 27M monthly Cameroon Côte d’Ivoire transactions Kenya RDC for 600M€
leader co-leader challenger Botswana 1,8€ ARPU per sevice recently Madagascar active customer launched (+7% YoY) launch planned
4 Product prioritization - a progressive rollout to facilitate customer education
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3 financial services 2 payment payment tool for third money transfer party credit, savings, airtime top-up, bill insurance transfer to Orange payment further : integrated financial further : transfer to non further : ticketing, web products orange, international payment, merchant payment transfer
Orange Money account 1 cash-in, cash-out further : bank to wallet, ATM cash-out, salary payment
5 Local customization
Mali Botswana Cote d’Ivoire
core service: transfer, bill payment, airtime top-up
. bancarisation ~10% . strong customer base . Orange Money the only player . bancarisation ~40% until 2014 . 2 mobile money . growing ecosystem . gap in infrastructure and competitors
challenges ecosystem
mobile money dedicated Orange Money Visa Card launch of a mobile
kiosks crowdfunding platform
approach
specific
6 Our major projects 2015-2018
Mobile Money code of conduct new countries
common business principles to planned extension of Orange Money develop safe and responsible footprint digital financial services
deeper smartphone integration interoperability
the Orange Money smartphone Orange Madagascar to interoperate application to be rolled out in most with local operators in Q4-2015 countries
financial services new status Orange to become an “Electronic
Money Issuer” in some UEMOA micro credit, savings, insurance countries
7 Thank you
Merci
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