DOCSLIB.ORG

Mobile Cash: La Utilización De Cajeros Automáticos Para La Carga Y Extracción De Efectivo En Dispositivos Móviles”

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Mobile Cash: La Utilización De Cajeros Automáticos Para La Carga Y Extracción De Efectivo En Dispositivos Móviles” Maestría Gestión de Servicios Tecnológicos y Telecomunicaciones Tema de Tesis: “Mobile Cash: La utilización de cajeros automáticos para la carga y extracción de efectivo en dispositivos móviles” Director de Tesis: Dr. Alejandro Prince Maestrando: Ing. Alejandra Bossetti “Mobile Cash: La utilización de cajeros automáticos para la MGSTT carga y extracción de efectivo en dispositivos móviles” Año 2013 Índice: Resumen: .......................................................................................................................... 7 Palabras clave: ............................................................................................................... 8 Capítulo 1. Introducción ................................................................................................. 8 1.1 Justificación ............................................................................................................. 8 1.2 Objetivos y Alcance ............................................................................................... 10 1.3 Hipótesis ................................................................................................................ 11 1.4 Variables de análisis .............................................................................................. 12 1.5 Importancia del tema (nota del autor) .................................................................... 12 1.6 Marco Teórico ........................................................................................................ 13 1.7 Metodología de trabajo .......................................................................................... 14 Capítulo 2: La red de Cajeros Automáticos en Argentina ........................................ 16 2.1 Ecosistema de la red de cajeros: ............................................................................ 19 2.2 Cadena de valor de la red de cajeros:..................................................................... 29 Capítulo 3: El Cajero Automático ............................................................................... 31 3.1 Elementos que componen un cajero ...................................................................... 32 3.2 Transacciones en cajeros automáticos ................................................................... 39 3.3 Banco – Gestión del cajero automático: ................................................................ 40 3.4 Costos de gestión de un cajero ............................................................................... 42 Capítulo 4: Los Dispositivos Móviles ........................................................................... 44 4.1 Elementos de los dispositivos móviles .................................................................. 44 4.2 Conexiones Móviles a Internet .............................................................................. 48 Capítulo 5: Bancarización en Argentina ..................................................................... 50 5.1 Medidas que fomentan la bancarización en Argentina .......................................... 50 5.2 Nivel de formalidad de la economía ...................................................................... 51 5.3 Nivel de Bancarización en Argentina .................................................................... 52 5.4 Banca sin sucursal .................................................................................................. 54 pág. 2 “Mobile Cash: La utilización de cajeros automáticos para la MGSTT carga y extracción de efectivo en dispositivos móviles” Año 2013 5.5 Consideraciones de los bancos respecto al canal móvil: ....................................... 55 5.6 Estrategia para la incorporación de los no-bancarizados en Estados Unidos: ....... 56 5.7 Qué son las tarjetas pre-pagas ................................................................................ 59 5.8 Utilidad para este trabajo ....................................................................................... 60 Capítulo 6: Medios de Pago Actuales en Argentina ................................................... 62 6.1 Evolución de los Medios de Pago .......................................................................... 62 6.2 El efectivo circulante en Argentina........................................................................ 66 6.3 El efectivo como medio de pago de mayor utilización .......................................... 67 6.4 Otros medios de pago ............................................................................................ 73 6.5 Costo de los medios de pago .................................................................................. 74 6.6 Participantes en los medios de pago ...................................................................... 75 6.7 Distintas Instituciones no bancarias que participan de Sistema de Pagos en América Latina ............................................................................................................ 81 6.8 Evolución del Dinero ............................................................................................. 85 Capítulo 7: Mobile Payments ....................................................................................... 88 7.1 Tipos de Tecnología para pago móviles ................................................................ 88 7.2 Participantes en los pagos móviles ........................................................................ 90 7.3 La utilización de dispositivos celulares para ganar adopción de usuarios: ............ 92 7.4 Aspectos de reglamentación a considerar en los pagos móviles........................... 96 7.5 Experiencias en Argentina de utilización de dispositivos móviles para realizar pagos: ........................................................................................................................... 99 Capítulo 8: Seguridad ................................................................................................. 101 8.1 La utilización de dispositivos móviles para el Control Biométrico: .................... 102 Capítulo 9. Ejemplos de desarrollos de servicios similares ..................................... 106 9.1 Digitalización del Efectivo: ................................................................................. 106 9.2 Integración de Dispositivos Móviles y Cajeros Automáticos: ............................. 108 Capítulo 10: Conclusiones .......................................................................................... 112 pág. 3 “Mobile Cash: La utilización de cajeros automáticos para la MGSTT carga y extracción de efectivo en dispositivos móviles” Año 2013 10.1 Flujos del Sistema .............................................................................................. 112 Siguiendo el flujo de dinero: ...................................................................................... 113 10.2 Funciones del Sistema ....................................................................................... 113 10.3 FODA ................................................................................................................. 117 10.4 Resumen ............................................................................................................. 119 10.5 Nuevas líneas de investigación .......................................................................... 121 Anexo A: Nivel de Informalidad de la Economía ..................................................... 122 Anexo B: Glosario ........................................................................................................ 123 Anexo C: Bibliografía .................................................................................................. 125 C.1 Libros .................................................................................................................. 125 C.2 Artículos y Papers ............................................................................................... 125 C.3 Reportes de la Industria ....................................................................................... 127 C.4 Sitios: ................................................................................................................... 127 C.5 Videos: ................................................................................................................ 128 Lista de Ilustraciones: Ilustración 1: Evolución cantidad de cajeros Argentina 2000-2013 (Marzo) ................ 17 Ilustración 2: Ecosistema Red de cajeros ....................................................................... 19 Ilustración 3: Cadena de Valor ....................................................................................... 29 Ilustración 4: Utilización de canales bancarios .............................................................. 32 Ilustración 5: Depósitos con reconocimiento de efectivo ............................................... 38 Ilustración 6: Distribución de Costos de Cajeros Automáticos ...................................... 43 Ilustración 7: Esquema de seguridad con utilización de TSM ....................................... 46 Ilustración 8: Nivel de penetración de Celulares ............................................................ 47 Ilustración 9: Conexiones Móviles en Latino América .................................................. 49 Ilustración 10: Conexiones en Argentina ....................................................................... 49 Ilustración 11: Nivel de informalidad de la economía Argentina.
Load more

Recommended publications
  • Apple Pay Different Card Number on Receipt
    Apple Pay Different Card Number On Receipt Unstack and unceasing Caldwell still swingles his buccaneers brightly. Sometimes mycelial Yancey souvenirs her cistuses frequently, but Typhonian whippletreesYancey circumnutating objectionably. demonstratively or lights aerobically. Adaxial and right-angled Hamid creolizes her chickweeds unclosed while Ajay invigilates some No owner signature on card issuers provide product price hikes or other than other parts of an issue might be required to see Wrong card payment receipt Apple Community. What furniture I do ship I sell my new watch practice get most new device? Using Apple Pay is lever and safe. Next visit the receipt the card numbers are you must communicate with apple pay for paying online banking action not update your card features. These are on apple pay one account number that card receipts typically this is paying with the receipt of apple? Receipts generated by Adyen have been certified as compliant by these card schemes that show support. What is Apple Pay Macy's Customer discount Site. Voyager card security code, or on time frames for your purchase date, provided from citi will have an email but our cookies to card different currency other. This terrible CVS receipt shows why Apple Pay has music to shovel from. But if you ever get as free appetizer, simply follow the simmer step instructions. Apple pay on apple wallet, receipts and different payment until the receipt? How nearly I yearn more information about International orders? How youth Use Apple Wallet Lifewire. Healthcare Card is be suspended. What cards on apple pay one more information to provide receipts using credit numbers of paying with no number, circumstances or receipt.
    [Show full text]
  • Orange Money Is Launched in Kenya, Powered by Equity
    December 2010 EQUITY NEWS A NEWS PUBLICATION OF EQUITY BANK Your Listening Caring partner www.equitybank.co.ke Issue 01 FEATURED INSIDE Guest of Hon- our Deputy Prime Minister and Minister for Finance Uhuru Kenyatta with Dr. Mwangi named the 2010 Orange CEO African Banker of the Year Pg 3 Mickael Ghos- Revolutionary M-Kesho product sein and Equity launched Pg 3 Bank CEO Dr. Equity Bank Southern Sudan James Mwangi grows Pg 7 at the launch of Equity Bank Uganda recognized Orange Money. as best employer Pg 7 ORANGE MONEY IS LAUNCHED IN KENYA, POWERED BY EQUITY BANK DR. MWANGI November 2010 saw Equity Bank and tele- on recent advancements in the Information the Bank already have a foothold. Dr. Mwangi ADDRESSES GLOBAL communications Service provider Telkom Ke- and Communications Technology. He said the added “Cooperation with like- minded part- SAVINGS FORUM nya launch Orange Money, a versatile product introduction of the product in Kenya was in- ners brings on board value added solutions, that combines the features of mobile money formed by lessons from other countries where and Equity Bank will continue to seek partner- r. Mwangi was one of the pan- transfer and mobile banking. Orange money Orange Money had been introduced, as well ships that will not only focus on innovation, elists at the first ever Global is powered by Equity Bank’s mobile banking as intensive research on the needs and prefer- but will at the end of the day make a difference Savings Forum held in Seattle, platform. Orange money is mapped onto the ences of Kenyans.
    [Show full text]
  • Mobile Money Services: “A Bank in Your Pocket” Overview and Opportunities
    OBSERVATORY ON MIGRATION OBSERVATOIRE ACP SUR LES MIGRATIONS OBSERVATÓRIO ACP DAS MIGRAÇÕES MOBILE MONEY SERVICES: “A BANK IN YOUR POCKEt” Overview and opportunities Background Note An Initiative of the ACP Secretariat, ACPOBS/2014/BN13 Funded by the European Union Implemented by IOM and with the Financial Support of Switzerland, IOM, the IOM Development Fund and UNFPA International Organization for Migration (IOM) Organisation internationale pour les migrations (OIM) Organização Internacional para as Migrações (OIM) 2014 ACP Observatory on Migration The ACP Observatory on Migration is an initiative of the Secretariat of the African, Caribbean and Pacific (ACP) Group of States, funded by the European Union, implemented by the International Organization for Migration (IOM) in a Consortium with 15 partners and with the financial support of Switzerland, IOM, the IOM Development Fund and UNFPA. Established in 2010, the ACP Observatory is an institution designed to produce data on South-South ACP migration for migrants, civil society and policymakers and enhance research capacities in ACP countries for the improvement of the situation of migrants and the strengthening of the migration–development nexus. The Observatory was established to facilitate the creation of a network of research institutions and experts on migration research. Activities are starting in 12 pilot countries and will be progressively extended to other interested ACP countries. The 12 pilot countries are: Angola, Cameroon, the Democratic Republic of the Congo, Haiti, Kenya, Lesotho, Nigeria, Papua New Guinea, Senegal, Timor-Leste, Trinidad and Tobago and the United Republic of Tanzania. The Observatory has launched research and capacity-building activities on South-South migration and development issues.
    [Show full text]
  • CEE Fintech Atlas 2018 Exclusive Insights Into 19 Fintech Ecosystems in Central and Eastern Europe
    CEE Fintech Atlas 2018 Exclusive insights into 19 fintech ecosystems in Central and Eastern Europe Dear readers and interested people of the fintech ecosystem, If you think of European fintech centres, then London, As RBI has always seen itself as a builder of bridges to Berlin and Stockholm are probably the first places that the CEE Region, such activities are part of our company come to mind. And if you look eastwards you might DNA. When the Iron Curtain fell thirty years ago, also consider the Baltic States. But did you know that we played a pioneering role in building a modern there is a very lively fintech scene in Bulgaria or that banking system and transforming planned economies Belarus is making great efforts to take a leading role into market economies. In 2019 we are playing the in the field of cryptocurrencies? And did you know role of bridge builder again by, for example, bringing that the digital penetration rate in the Czech Republic, together Western European fintechs and CEE banks, Slovakia, Poland, Slovenia, Croatia and Russia is close and vice versa. But the market and, hence, this role is to or greater than the rate in global emerging markets very different today. The CEE Region has caught up such as China or Turkey? These and many more enormously over the past three decades and has a nuggets of information can be found in this brand new well-educated, digitally sophisticated population. Our “CEE Fintech Atlas” that we have produced to offer current role is therefore less about development than you a useful overview of the state of fintech ecosystems about helping our clients and partners to overcome across the CEE Region.
    [Show full text]
  • Mobile Banking Services
    MOBILE BANKING SERVICES Mobile banking is a system that allows customers of a financial institution to conduct a number of financial transactions through a mobile device such as a mobile phone or personal digital assistant. Mobile banking refers to the use of a smartphone or other cellular device to perform online bankingtasks while away from your home computer, such as monitoring account balances, transferring fundsbetween accounts, bill payment and locating an ATM. Mobile banking differs from mobile payments, which involve the use of a mobile device to pay for goods or services either at the point of sale or remotely, [1] analogously to the use of a debit or credit card to effect an EFTPOS payment. The earliest mobile banking services were offered over SMS, a service known as SMS banking. With the introduction of smart phoneswith WAP support enabling the use of the mobile web in 1999, the first European banks started to offer mobile banking on this platform to their customers.[2] Mobile banking has until recently (2010) most often been performed via SMS or the mobile web. Apple's initial success with iPhoneand the rapid growth of phones based on Google's Android (operating system) have led to increasing use of special client programs, called apps, downloaded to the mobile device. With that said, advancements in web technologies such as HTML5, CSS3 andJavaScript have seen more banks launching mobile web based services to complement native applications. A recent study (May 2012) by Mapa Research suggests that over a third of banks[3] have mobile device detection upon visiting the banks' main website.
    [Show full text]
  • Mobile Money As an Effective Financial Tool in Underdeveloped Countries
    Journal of Islamic Finance Vol.10 No.1 (2021) 25-35 IIUM Institute of Islamic Banking and Finance ISSN 2289-2117 (O) / 2289-2109 (P) Mobile Money as an Effective Financial Tool in Underdeveloped Countries Mohamed Al Amine Sano Institute of Islamic Banking and Finance, International Islamic University Malaysia, Kuala Lumpur, Malaysia Email: [email protected] Abstract The available literature has shown that a lot of people in underdeveloped countries do not fulfill the criteria needed to benefit from banking facilities. As a result, the lower segment of these societies has been deprived of basic financial services and left with vulnerable traditional methods of saving and transacting using funds. Fortunately, innovative ideas like mobile money were introduced in the first decade of the 21st century, allowing people in poor countries to access essential financial services and conduct basic transactions in a more advanced and secure manner. This study thus aims to establish mobile money as an effective and Shariah-complaint substitute for banking services particularly in underdeveloped countries. It would do so through the qualitative research method of analysing the relevant materials on the subject matter i.e. books, journal articles, research papers, websites, etc. The study has found that although the presence of mobile money has brought about various benefits to underdeveloped communities, issues that are regulatory, service, or security-related have impeded the service from realizing its true potential. Nonetheless, the study has shown that these issues may be countered by introducing the right measures, which include regulatory reformations, service enhancements, and awareness-building. Such measures would empower members of underprivileged communities and integrate them into the financial industry, which in turn would greatly contribute to their countries’ socio-economic welfare.
    [Show full text]
  • A Comparison of the Mobile Financial Services Sector in Kenya, Tanzania and Uganda
    A Comparison of the Mobile Financial Services Sector in Kenya, Tanzania and Uganda The 3rd Annual Competition and Economic Regulation (ACER) Conference Dar es Salaam, Tanzania 14 – 15 July 2017 DRAFT NOT FOR CITATION Anthea Paelo [email protected] Centre for Competition, Regulation and Economic Development (CCRED) Mobile money has been a fast growing phenomenon in developing countries around the world but particularly in East Africa. The East African countries of Kenya, Uganda and Tanzania have shown remarkable growth and are three of the 16 countries globally where mobile money accounts outnumber bank accounts. The sector has now evolved to provide mobile financial services such as savings, loans and even insurance, providing greater opportunities for increased financial inclusion. Studies have shown that in countries where there has been successful penetration of mobile money services, there has been an increase in financial inclusion. However, the level of evolution and uptake has varied by country. Kenya has taken the lead in terms of uptake and more competitive pricing while Uganda lags behind in terms of available financial services. Tanzania for its part is the first of the East African countries to implement interoperability between mobile money operators. Using a case study approach, this study provides comparisons of the mobile money markets in each of the three countries, including a profile of the sector and a discussion on how this might have affected prices, variety of available services and levels of adoption. It will examine how the existing structures of the markets and regulation may have influenced the pricing, uptake and availability uptake of mobile financial services.
    [Show full text]
  • GGAL – Country Risk Is Too High Even for the Strongest Banking Franchise
    Argentina – Equity Research June 3, 2019 GGAL – Country Risk is Too High even for the Strongest Banking Franchise We are initiating coverage of Grupo Financiero Galicia (GGAL) with a Neutral rating and a 12-month Target Price of USD 29 per ADR, which implies an upside of 17% (including a Neutral 1% dividend yield) from current prices. We view GGAL as a very strong franchise, although given the coming presidential elections and the premium at which the company trades GGAL US relative to its peers (2.6x 1Q19 P/BV vs comps at 2.1x), we belive the risk-reward is balanced at current prices. Target Price: USD 29 Our valuation is based on a Gordon Growth Model, which derives a target P/BV of 2.3x. Last Price: USD 25.00 We acknowledge that Argentine valuations are currently very dependent on the political outcome, especially in banks and utilities, given their businesses’ nature. Our valuation is consistent with our base case scenario, which includes the re-election of Macri, stabilization of the currency and GDP growth returning to positive levels next year. That said, we might review our base case and assumptions following the primary elections to be held in August. Grupo Financiero Galicia is a financial services holding company, and the owner of Banco Galicia (GALIAR). GALIAR is the largest Argentine private bank, measured by loans, and second measured by assets. GGAL also offers proprietary brand credit cards and consumer finance services through its subsidiary Tarjetas Regionales (83% ownership Source: Bloomberg, Cohen. interest), as well as insurance (Galicia Seguros) and brokerage services (Galicia Note: 2019 Net Income excludes gain related to Prisma sale Administradora de Fondos).
    [Show full text]
  • Mobile Payments Industry Overview
    WHITEPAPER Mobile Payments Industry Overview www.primeindexes.com Contents Introduction . 3 Mobile Payment Technology . 5 Mobile Payment Models . 8 Bank Branch Penetration Across Geographies . 9 Number of Mobile Payment Users by Region . 9 Global Mobile Payment Spending . 10 Global Mobile Spending by Segment in 2017 . 10 Disruption of Traditional Banking . 12 Regulatory Framework . 12 Future of Mobile Payments . 14 Gen Z Far Outpaces Other Age Groups in Mobile Payments . 14 References . 16 www.primeindexes.com PRIME INDEXES | www.primeindexes.com | Mobile Payments Industry | 2 The traditional payment industry is going through a technological transformation, which is fundamentally disrupting legacy business models. The mobile payment Introduction industry is expected to revolutionize the way we make payments, as it merges newer technological innovations, such as wearables, biometrics, and additionally, blockchain technology. Needless to say, the industry could witness momentous shifts and offer unprecedented opportunities to the existing and new players. Mobile payments refer to payments done through a portable electronic device, such as a cell phone or a tablet. It is an alternative to using cash, checks, or credit cards. This technology can be used to send money anywhere, anytime, using mo- bile devices from the initiation stage to the realization of the transaction, and it includes confirmation and authorization as well. Mobile payment adoption has been varied across markets owing to the differenc- Brief History of es in their economies, regulations, and banking infrastructure. Geographically, Asia Pacific (APAC) was the first one to adopt mobile payments, due to the -ex Mobile Payments istence of a large, unbanked, economy, followed by Europe and North America.
    [Show full text]
  • Pdf 2 Mobile Money Accounts Drove Increases in Account Ownership in BCEAO Overall Adults with an Account (%)
    Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Field Note 11 GRANTING ACCESS: LEVERAGING SOCIAL PAYMENTS TO EXPAND DIGITAL FINANCIAL INCLUSION IN COTE D’IVOIRE Public Disclosure Authorized CONTEXT The role of cash transfers for poverty reduction They proved difficult to monitor effectively, were has expanded globally over the past two decades. expensive, and did not lead to financial inclusion. The latest State of Social Safety Nets survey Recipients often found it hard to manage their reports that as of 2015, nearly every country benefits and to save, and were more exposed to around the world, including many in Sub- theft, among other issues.4 Saharan Africa, has at least one social safety net program in place. Among these programs, there While the World Bank expanded its lending is a marked trend away from providing food and operations to social safety nets in West Africa, other in-kind support to delivering cash transfers in parallel, IFC, together with the Mastercard to the poorest households. Overall, these Foundation, started supporting the use of programs support nearly 2 billion individuals in mobile money wallets in WAEMU markets in developing countries. While these cash transfers 2013 through market-level activities and proof- are expanding, the majority still reach only one of-concept pilots with the private and public tenth of the poorest 20 percent of the population, sectors. While less mature than established in part due to a lack of mechanisms to target and digital finance markets such as Kenya or deliver the benefits.1 However, the increasing Tanzania, WAEMU markets are nascent but availability of mobile phones and mobile-based rapidly evolving markets in terms of digital digital payment channels offer new ways to financial services and new payment channel improve the delivery of cash transfers while also development5.
    [Show full text]
  • Mobile Money Services Development: the Case of Africa
    Studia Ekonomiczne. Zeszyty Naukowe Uniwersytetu Ekonomicznego w Katowicach ISSN 2083-8611 Nr 356 · 2018 Współczesne Finanse 13 Krystyna Mitręga-Niestrój Blandyna Puszer University of Economics in Katowice University of Economics in Katowice Faculty of Finance and Insurance Faculty of Finance and Insurance Department of Banking and Financial Markets Department of Banking and Financial Markets [email protected] [email protected] Łukasz Szewczyk University of Economics in Katowice Faculty of Finance and Insurance Department of Banking and Financial Markets [email protected] MOBILE MONEY SERVICES DEVELOPMENT: THE CASE OF AFRICA Summary: The aim of this study is to assess mobile money services market deve- lopments in Africa in recent years in comparison to other parts of the world, with parti- cular reference to mobile payments. The empirical research question is to find out what is the state of development of the mobile money services, especially mobile payments, in Africa compared to other regions of the world. Nowadays, the mobile money services, including mobile payments, are developing very fast in Africa, comparing not only to other developing countries but also developed ones. The potential of mobile money services to bring access to financial services is observed in the developing world. The key findings show that in Africa the growing number of mobile money services, inclu- ding mobile payments, can be seen. It is important to say that Africa is in the centre of high development in the area of mobile payments, due to numerous reasons, e.g. the growing use of mobile phones. Africa is the leader in mobile money, which has become an important element of Africa’s everyday life.
    [Show full text]
  • State of the Industry Report on Mobile Money 2019
    State of the Industry Report on Mobile Money 2019 Copyright © 2020 GSM Association 2019 State of the Industry Report on Mobile Money Mobile Money The GSMA represents the interests of mobile operators The GSMA’s Mobile Money programme works to worldwide, uniting more than 750 operators with almost accelerate the development of the mobile money 400 companies in the broader mobile ecosystem, including ecosystem for the underserved. handset and device makers, software companies, equipment providers and internet companies, as well as organisations For more information, please contact us: in adjacent industry sectors. The GSMA also produces the Web: industry-leading MWC events held annually in Barcelona, www.gsma.com/mobilemoney Twitter: Los Angeles and Shanghai, as well as the Mobile 360 Series @GSMAMobileMoney of regional conferences. Email: [email protected] For more information, please visit the GSMA corporate website at www.gsma.com Follow the GSMA on Twitter: @GSMA Lead author: Nika Naghavi Data & Insights Director, GSMA Mobile Money This report was written with the support of the wider Mobile Money and Mobile for Development team. The quantitative assessment of this report was carried out by a team under the supervision of Simon K. Andersson Manjang that comprised of Julian Hoffmann, Kavita Tailor and Tapiwa Jakachira. For more content, visit gsma.com/sotir. THE MOBILE MONEY PROGRAMME IS SUPPORTED BY THE BILL & MELINDA GATES FOUNDATION AND FLOURISH VENTURES. Foreword Foreword 2019 was a momentous year for the mobile harnessing digital finance for sustainable money industry. With over a billion registered development. Mobile money is accelerating accounts and close to $2 billion in daily progress towards the Sustainable transactions, mobile money is evolving like Development Goals and is contributing to the never before.
    [Show full text]