Marktanalyse - Global Mobile Operators: Strategies in Payments, Banking, Insurance and Assistance
Finaccord
6 / 2012
121 Seiten
| Typ: | Marktanalyse |
| Sprache: | deutsch |
| Regionen: | Europa, Asien / Pazifik, Mittlerer Osten / Afrika, Nordamerika / USA, Australien, Mittel- / Südamerika |
| Verfügbarkeit: | verfügbar |
Bitte wählen Sie ein Lieferformat und klicken Sie unten auf einen Bestellbutton:
Global Mobile Operators: Strategies in Payments, Banking, Insurance and Assistance is a report and interactive PartnerBASE dataset that provides a detailed worldwide overview of the fast-growing involvement of mobile operator brands and groups in financial services. For 255 brands spread across 70 countries, it outlines their activity and strategic partnerships for over 20 separate financial product and service categories as follows:
- payments: contactless merchant payments; payments via bank card / account; payments via mobile phone bill; payments via network account; talktime / call credit transfer;
- banking: mobile banking (bank current accounts); credit cards (non-virtual); prepaid cards (non-virtual); consumer finance / micro-credits;
- insurance: mobile phone, mobile gadget, bill payment protection, identity protection, motor, household, travel, accident, health, life;
- assistance: home, legal, medical, road.
Across all 255 brands researched, Finaccord identified a total of over 800 distinct product initiatives and partnerships involving close to 400 banking institutions, payment companies, technology firms, insurance providers and assistance entities. Moreover, within a separate analysis, Finaccord summarises the main strategic moves made in financial services by the leading 65 mobile telecoms groups worldwide.
Types of organisation that will be able to use this research include the following:
- mobile telecoms groups: this research will benchmark the activity in payments, banking, insurance and assistance of your direct competitors and other comparators across major countries around the world with regional coverage of Africa, Asia Pacific (including Australasia), Europe, the Middle East, Latin America and North America;
- banks, insurance providers and assistance firms: as a consequence of their sheer size, their on-going relationships with customers and the increasing functionality of the mobile devices used by those customers, strategic partnerships with mobile operators represent a major opportunity for financial services institutions;
- payment and other financial technology companies: it is often the case for mobile operators that opportunities in mobile payments, in particular, can only be realised through collaboration with payment or other financial technology companies, especially as they seek to add international functionality to their initiatives in this arena;
- management consultancies: if you are helping a financial institution or technology company with its strategy in relation to mobile operators or advising a mobile operator how it can make money from financial services, then this research will explain the global activity of mobile operator brands and groups in financial services, saving time and effort on researching the subject yourself.
- payments: contactless merchant payments; payments via bank card / account; payments via mobile phone bill; payments via network account; talktime / call credit transfer;
- banking: mobile banking (bank current accounts); credit cards (non-virtual); prepaid cards (non-virtual); consumer finance / micro-credits;
- insurance: mobile phone, mobile gadget, bill payment protection, identity protection, motor, household, travel, accident, health, life;
- assistance: home, legal, medical, road.
Across all 255 brands researched, Finaccord identified a total of over 800 distinct product initiatives and partnerships involving close to 400 banking institutions, payment companies, technology firms, insurance providers and assistance entities. Moreover, within a separate analysis, Finaccord summarises the main strategic moves made in financial services by the leading 65 mobile telecoms groups worldwide.
Types of organisation that will be able to use this research include the following:
- mobile telecoms groups: this research will benchmark the activity in payments, banking, insurance and assistance of your direct competitors and other comparators across major countries around the world with regional coverage of Africa, Asia Pacific (including Australasia), Europe, the Middle East, Latin America and North America;
- banks, insurance providers and assistance firms: as a consequence of their sheer size, their on-going relationships with customers and the increasing functionality of the mobile devices used by those customers, strategic partnerships with mobile operators represent a major opportunity for financial services institutions;
- payment and other financial technology companies: it is often the case for mobile operators that opportunities in mobile payments, in particular, can only be realised through collaboration with payment or other financial technology companies, especially as they seek to add international functionality to their initiatives in this arena;
- management consultancies: if you are helping a financial institution or technology company with its strategy in relation to mobile operators or advising a mobile operator how it can make money from financial services, then this research will explain the global activity of mobile operator brands and groups in financial services, saving time and effort on researching the subject yourself.
TABLE OF CONTENTS
0.0 EXECUTIVE SUMMARY ... 1
Finaccord's research covers 65 major mobile telecoms groups and 255 country-specific operator brands . 2
At a strategic level, leading telecoms groups are most active in the field of mobile payments .. 2
Asia and the US are the two current heartlands for the provision of contactless payment schemes. 2
Mobile wallets (such as the M-PESA platform) are typically administered on a captive or internal basis .. 3
There is ample scope for more mobile payment services to develop an international functionality ... 4
Co-branded credit card programs are more widespread than their prepaid equivalents ... 4
Telefónica is one of the few major telecoms groups to run its own captive insurance company ... 4
Some mobile operators distribute life insurance policies on behalf of multiple underwriters .. 6
The provision of various types of assistance service is particularly strong in Latin America .. 6
Mobile telecoms groups and brands are likely to up their game in financial services for several reasons 6
The current worldwide structure of mobile financial services is both complex and fragmented . 7
In future, leading mobile telecoms groups are likely to work with a smaller number of large providers . 7
1.0 INTRODUCTION ... 8
What is this report about? . 8
This study is the first ever worldwide analysis of the involvement of mobile operators in financial services... .. 8
... covering over 800 distinct product initiatives and deals with close to 400 partner organisations ... 8
Rationale 8
Mobile operators can be key affinity distribution partners in payments, banking, insurance and assistance 8
Methodology .. 9
Primary research 9
The research covers 65 mobile operator groups and 255 brands across 70 territories . 9
External sources 9
Definitions 10
Payment, banking, insurance and assistance products and services ... 10
Other terms .. 12
Operating models 13
Unweighted and weighted share of partnerships 13
Interactive PartnerBASE™ .. 14
Finaccord . 14
2.0 GROUP STRATEGY ANALYSIS 17
Introduction .. 17
Summary of groups researched .. 17
By total number of subscribers, China Mobile is by far the largest of the 65 groups investigated ... 17
The global market for mobile payments .. 17
The worldwide market for mobile payments increased by almost 600% between 2008 and 2012... .. 17
…with continued strong growth predicted through the first half of the current decade . 18
Group strategic approaches to mobile financial services ... 20
The majority of leading telecoms groups have active or planned strategic initiatives for mobile payments... . 20
... although some groups, such as Telenor, seem to devolve strategy to national mobile operator brands 20
In the developing world, mobile payments have become a feature of daily life for many consumers . 20
The 'low-tech' model will continue to be relevant… 23
…while 'high-tech' options have yet to live up to perennial expectations … . 23
…and security protocols remain crucial considerations . 23
Many groups use multiple forms of mobile payment, from simple to cutting edge technology 24
Talktime or call credit transfer remains the simplest means of transferring funds worldwide ... 24
Telecoms groups are less likely to enter into tied agreements for mobile banking than for mobile payments 24
Many mobile telecoms groups offer no unique network-linked mobile banking 24
Provision of insurance and assistance policies has tended not to be organised on a centralised basis... .. 27
... although KDDI's au Insurance is an interesting (and unique) example of an insurance joint venture . 27
Group ownership and partnership strategies in mobile financial services 29
The creation of captive and joint venture companies is an option for mobile telecoms groups... . 29
... with outright or partial ownership almost inevitably the outcome of centralised decisions ... 29
Captives in payments, banking, insurance and assistance 29
Seven major telecoms groups own captive or joint venture payment or banking entities... . 29
... with a further seven utilising captive (or sister) insurance or assistance providers ... 30
Joint ventures in payments, banking, insurance and assistance ... 31
At least two dozen formal joint ventures have been created, most focusing on mobile payments .. 31
Some, such as Isis, have been configured among two or more mobile telecoms groups... 31
... while others, like Wanda, involve a mobile telecoms group and a partner from a different sector ... 31
A three-way mobile payments joint venture in the UK has been blocked by the Competition Commission 31
In the shape of Jibun Bank, Japan's KDDI is co-owner of a joint venture retail bank ... 33
Strategic partnerships with payment and payment-related technology companies.. 33
Leading mobile telecoms groups are forging strategic partnerships with external payment companies . 33
Among the most eye-catching of these are those of Google with Sprint Nextel in the US... 33
... and those of Western Union with various telecoms groups across a range of territories... .. 33
... although a number of other significant examples are also visible elsewhere 34
Payment companies may complement or substitute for traditional banks, depending on the region .. 34
It is intended that the partnership of Visa with Vodafone will cover payments in up to 30 countries 34
Gemalto is used as a strategic partner by several groups and on a local level by numerous brands….. 34
…while several other technology companies provide support for mobile payments, especially via NFC ... 36
Leading groups in South Korea have by necessity forged multiple partnerships . 36
A range of other international organisations offer serious payments competition to telecoms groups 36
Strategic partnerships with banks 37
Citibank works as a strategic partner with both Polkomtel and Sprint Nextel ... 37
Globacom collaborates for mobile payments with several banks in West Africa .. 37
As evidenced by Turkcell's partnerships, mobile payments are already well-established in Turkey ... 37
In Brazil, mobile telecoms group Oi has forged a wide-ranging alliance with Banco de Brasil and Cielo 37
Strategic partnerships with insurance and assistance companies 38
Telefónica and Vodafone have both established strategic partnerships in this arena... ... 38
... and specialist consultancy EIP works with both, most especially within Europe .. 39
In future, it is likely that major telecoms groups will seek to offer more products with fewer providers 39
3.0 BRAND ANALYSIS . 40
Introduction .. 40
Summary of brands researched .. 40
Provision of payment and banking products... 43
Provision rates . 43
Globally, the most common type of payment product is the talktime / call credit transfer scheme… .. 43
…and nearly one quarter of brands have developed a co-branded credit card product .. 43
Contactless merchant payments: this functionality is absent from two of the seven world regions . 45
Payments via bank card / account: several large Eastern European brands are active in this area ... 46
Payments via phone bill: offered by nearly a third of operators in Southern and Western Europe .. 47
Payments via network account: a key driver of financial inclusion and international remittances 48
Talktime / call credit transfer: more than 60% of the 255 brands researched offer this functionality 50
Mobile banking (bank current accounts): several of the largest schemes are located in India 52
Credit card (non-virtual): widespread across Latin America, but absent from Canada and the US . 53
Prepaid card (non-virtual): Canada and Russia exhibit high provision rates for this product ... 54
Consumer finance / micro-credits: available from nearly a quarter of brands in Latin America ... 55
Miscellaneous payments / banking: other schemes exist for mobile stock trading and mortgages . 56
International functionality .. 57
Such capability is most prevalent within large telecoms groups, and also in the Middle East… .. 57
…although the international compatibility of NFC standards remains in its infancy .. 58
Hardware and software limitations ... 58
NFC restrictions can sometimes be avoided by using special SIM cards or external stickers . 58
In India, users with CDMA connections often cannot access the full range of mobile payment options . 59
Talktime / call credit transfer schemes emerge as the least restricted type of product . 59
Operating models 59
More than half of the initiatives for payments linked to mobile phone bills are run on an internal basis .. 59
The vast majority of co-branded payment card schemes involve a single card issuer… . 59
…although some brands operate captive or joint venture banks for this purpose 59
Competitor share of partnerships . 62
Contactless merchant payments: the most significant partnerships are forged in China and the US . 62
Payments via bank card / account: Indian specialist mChek is the leading provider in this field.. 65
Payments via phone bill: the top three providers hold a weighted share of partnerships of over 50% 67
Payments via network account: multinational platforms include Airtel Money and M-PESA ... 69
Talktime / call credit transfer: Belgian operators mix internal provision with an external partner . 71
Mobile banking (bank current accounts): some brand retail outlets even act as service points for banks... 72
Credit card (non-virtual): Itaú is the most common issuing partner for co-branded credit cards .. 73
Prepaid card (non-virtual): the three Canadian mobile operators all partner with the same bank ... 75
Consumer finance / micro-credits: a number of mobile brands make use of captive lenders .. 77
Miscellaneous payments / banking: Vodafone subsidiaries distribute mortgages for two banks . 78
Future products and planned schemes .. 79
Several new ventures are due such as Wanda, an initiative for mobile financial solutions in Latin America... 79
Provision of insurance and assistance products 80
Provision rates . 80
More than a third of brands offer mobile phone insurance to their customers… .. 80
…whereas more tangential types of policy (such as travel, accident and life) are less common . 80
Various forms of assistance are also present, especially in the Latin American markets 80
Mobile phone insurance: available from more than two thirds of North American operators ... 82
Mobile gadget insurance: provision rates are highest in Europe and the Americas . 83
Bill payment protection insurance: in Ecuador, Movistar bundles this with two other types of cover ... 84
Identity protection insurance / assistance: provision appears limited to just two Asian countries 85
Motor insurance: the Polish brand Claro is one of only two operators distributing motor policies 86
Household insurance: available from a small number of very large brands, including China Mobile .. 87
Travel insurance / assistance: 37% of operators in Latin America offer some form of travel cover . 88
Accident insurance: this product is available in five of the seven geographical regions ... 89
Health insurance: in Africa, some combined policies exist that offer health, accident and life cover ... 90
Life insurance: basic accidental death cover is sometimes offered to customers without charge ... 91
Home assistance: available as an optional extra from around half of mobile brands in Latin America ... 92
Legal assistance: the vast majority of assistance packages involve specialist providers . 93
Medical assistance: sometimes provided separately and without charge, especially in India.. 94
Road assistance: in the US, only AT&T Mobility appears to have a scheme for road assistance ... 95
Miscellaneous insurance / assistance: other propositions include golf insurance and concierge services . 96
Operating models 97
Around 70% of schemes for mobile phone cover involve a single external partner… . 97
…whilst several brands, including certain Telefónica subsidiaries, make use of captive insurers ... 97
Competitor share of partnerships for insurance and assistance products .. 100
Mobile phone insurance: Asurion is the policy administrator of choice across North America ... 100
Mobile gadget insurance: Liberty Mutual and Zurich are the leading underwriters in this field .. 102
Bill payment protection insurance: Assurant benefits greatly from its partnership with TIM in Brazil . 103
Identity protection insurance / assistance: South Korea's Dongbu Insurance is active in this field 104
Motor insurance: one France Télécom subsidiary makes use of broker Gras Savoye .. 105
Household insurance: in weighted terms, this market is dominated by one Chinese underwriter . 106
Travel insurance / assistance: China Mobile acts as a distributor for six underwriters ... 107
Accident insurance: ACE is involved with mobile brands in Brazil, Malaysia and the Philippines . 108
Health insurance: the top three providers represent around three quarters of this market 109
Life insurance: in Brazil, Vivo offers life policies on behalf of two multinational insurers 110
Home assistance: specialist providers include American Assist and International SOS 111
Legal assistance: Patrimonial Inbursa leads the field, thanks to its deal with Telcel in Mexico .. 112
Medical assistance: top providers include the Apollo Hospitals Group and Religare Technologies .. 113
Road assistance: in France, the Orange brand collaborates with Mondial Assistance .. 114
Miscellaneous insurance / assistance: several providers offer more than one type of niche product 115
Future products and planned schemes 116
Assurant Solutions and Telefónica are expected to broaden their co-operation in Latin America . 116
4.0 BRAND PROFILES ... 117
Using the interactive PartnerBASE file.. 117
Profiles in interactive PartnerBASE
1010 (Hong Kong) . 118
2degrees (New Zealand) ... 119
3 (Austria) .. 120
3 (Hong Kong) ... 121
3 (Indonesia) .. 122
3 (Ireland) ... 123
3 (Italy) ... 124
3 (Sweden) 125
3 (UK) . 126
A1 (Austria) 127
Aircel (India) ... 128
Airtel (Ghana) 129
Airtel (India) 130
Airtel (Kenya) . 131
Airtel (Nigeria) 132
Airtel (Tanzania) 133
AIS (Thailand) 134
Ancel (Uruguay) 135
APT - Asia Pacific Telecom (Taiwan) ... 136
AT&T Mobillity (US) ... 137
au (Japan) .. 138
Avea (Turkey) 139
AXIS (Indonesia) ... 140
Bakrie Telecom (Indonesia) ... 141
BASE (Belgium) 142
Beeline (Russia) 143
Beeline (Vietnam) .. 144
Bell Mobility (Canada) ... 145
BH Mobile (Bosnia and Herzegovina) ... 146
Bouygues Telecom (France) . 147
BSNL (India) .. 148
Celcom (Malaysia) 149
Cell C (South Africa) . 150
Cellcom (Israel) . 151
Ceria Mobile (Indonesia) ... 152
China Mobile (China) 153
China Telecom (China) . 154
China Unicom (China)... 155
Chunghwa Telecom (Taiwan) ... 156
Claro (Argentina) ... 157
Claro (Brazil) .. 158
Claro (Chile) ... 159
Claro (Ecuador) . 160
Claro (Peru) ... 161
Comcel (Colombia) ... 162
COSMOTE (Greece) 163
COSMOTE (Romania) .. 164
Cricket (US) ... 165
DiGi (Malaysia) .. 166
Digi.Mobil (Romania). 167
Digicel (various Caribbean islands) ... 168
Djezzy (Algeria) . 169
DNA (Finland) 170
DTAC (Thailand) ... 171
du (UAE) 172
Elisa (Finland) 173
Emobile (Japan) 174
Entel (Chile) ... 175
Etisalat (Egypt) .. 176
Etisalat (Nigeria) 177
Etisalat (UAE) 178
Everything Everywhere (UK) . 179
FarEasTone (Taiwan) ... 180
FITEL (Taiwan) .. 181
Globacom (Nigeria) ... 182
Globe Telecom (Philippines) . 183
Globul (Bulgaria) ... 184
Idea Cellular (India) ... 185
Indosat (Indonesia) ... 186
inwi (Morocco) ... 187
Iusacell (Mexico) ... 188
KPN (Netherlands) 189
KT (South Korea) .. 190
Kyivstar (Ukraine) .. 191
LG U+ (South Korea) 192
life:) (Ukraine) 193
LIME (various Caribbean islands) . 194
Loop Mobile (India) ... 195
m:tel (Bosnia and Herzegovina) 196
Maroc Télécom (Morocco) 197
Maxis (Malaysia) ... 198
Méditel (Morocco).. 199
MegaFon (Russia). 200
Meteor (Ireland) . 201
MetroPCS (US) . 202
MI (Singapore) ... 203
MobiFone (Vietnam) . 204
Mobilis (Algeria) . 205
Mobily (Saudi Arabia) 206
Mobinil (Egypt) ... 207
Mobistar (Belgium) 208
Mobitel (Slovenia) .. 209
MOTIV (Russia). 210
Movicel (Angola) 211
Movistar (Argentina) .. 212
Movistar (Chile) . 213
Movistar (Colombia) .. 214
Movistar (Ecuador) 215
Movistar (Mexico) .. 216
Movistar (Peru) .. 217
Movistar (Spain) 218
Movistar (Uruguay) 219
mt:s (Serbia) .. 220
M-Tel (Bulgaria) . 221
MTN (Ghana) 222
MTN (Nigeria) 223
MTN (South Africa) ... 224
MTNL (India) .. 225
MTS (India) 226
MTS (Russia). 227
MTS (Ukraine) ... 228
Nawras (Oman) . 229
Nedjma (Algeria) ... 230
NetCom (Norway) . 231
Network Norway (Norway) 232
New Telephone Company (Russia) .. 233
New World Mobility (Hong Kong) .. 234
NEXTEL (Brazil) 235
NEXTEL (Mexico) . 236
NEXTEL (Peru) . 237
NTT DOCOMO (Japan) 238
O2 (Czech Republic) . 239
O2 (Germany) ... 240
O2 (Ireland) 241
O2 (Slovakia) . 242
O2 (UK) .. 243
Oi (Brazil) ... 244
Omantel Mobile (Oman) ... 245
One 2 Free (Hong Kong) ... 246
Optimus (Portugal) 247
Optus Mobile (Australia) ... 248
Orange (Austria) 249
Orange (France) 250
Orange (Israel) .. 251
Orange (Kenya) . 252
Orange (Poland) 253
Orange (Romania) 254
Orange (Slovakia) . 255
Orange (Spain) .. 256
Orange (Switzerland) 257
Orange (Tunisia) ... 258
PCCW Mobile (Hong Kong) .. 259
Pelephone (Israel) . 260
Personal (Argentina) . 261
Personal (Paraguay) . 262
Play (Poland) . 263
Plus (Poland) . 264
Proximus (Belgium) ... 265
Qtel (Qatar) 266
Reliance Communications (India) . 267
Rogers Wireless (Canada) 268
Safaricom (Kenya) 269
S-Fone (Vietnam) .. 270
SFR (France) . 271
Si.mobil (Slovenia) 272
Singtel Mobile (Singapore) 273
SK Telecom (South Korea)... 274
SkyLink (Russia) ... 275
Smart Communications (Philippines) 276
Smartfren (Indonesia) ... 277
SmarTone-Vodafone (Hong Kong) ... 278
SoftBank Mobile (Japan) ... 279
Sonera (Finland) 280
Sprint Nextel (US) . 281
Starcomms (Nigeria) . 282
StarHub Mobile (Singapore) .. 283
STC (Saudi Arabia) ... 284
Sun Cellular (Philippines) ... 285
Sunrise (Switzerland) 286
Swisscom (Switzerland) 287
Taiwan Mobile (Taiwan) 288
Tata DOCOMO (India) .. 289
TDC (Denmark) . 290
Telcel (Mexico) .. 291
Tele2 (Russia) ... 292
Tele2 (Sweden) . 293
Telecom (New Zealand) ... 294
Telekom (Slovakia) ... 295
Telenor (Denmark) 296
Telenor (Hungary) . 297
Telenor (Norway)... 298
Telenor (Serbia) 299
Telenor (Sweden) .. 300
Telia (Denmark) . 301
Telia (Sweden) .. 302
Telekomunikasi Indonesia (Indonesia) . 303
Telkomsel (Indonesia) ... 304
Telstra (Australia) .. 305
Telus Mobility (Canada) 306
Tigo (Colombia) . 307
Tigo (Ghana) . 308
Tigo (Paraguay) . 309
Tigo (Tanzania) . 310
TIM (Brazil) 311
TIM (Italy) ... 312
TMN (Portugal) .. 313
T-Mobile (Austria) .. 314
T-Mobile (Croatia) . 315
T-Mobile (Czech Republic) 316
T-Mobile (Germany) .. 317
T-Mobile (Hungary) ... 318
T-Mobile (Netherlands) . 319
T-Mobile (Poland) .. 320
T-Mobile (US) 321
TracFone Wireless (US) ... 322
True Move (Thailand) 323
Tunisiana (Tunisia) 324
Tunisie Télécom (Tunisia) . 325
Turkcell (Turkey) ... 326
U.S. Cellular (US) .. 327
Uninor (India) . 328
Unitel (Angola) ... 329
Verizon Wireless (US) ... 330
VIBO (Taiwan) ... 331
Videocon (India) 332
Vietnamobile (Vietnam). 333
Viettel Mobile (Vietnam) 334
Vinaphone (Vietnam) 335
VIP (Croatia) .. 336
VIP (Serbia) ... 337
Virgin Mobile (Australia) 338
Visafone (Nigeria) .. 339
VIVA (Kuwait) 340
Vivacom (Bulgaria) 341
Vivo (Brazil) ... 342
Vodacom (South Africa) 343
Vodacom (Tanzania). 344
Vodafone (Australia) . 345
Vodafone (Czech Republic).. 346
Vodafone (Egypt) .. 347
Vodafone (Germany) 348
Vodafone (Ghana). 349
Vodafone (Greece) 350
Vodafone (Hungary) .. 351
Vodafone (India) 352
Vodafone (Ireland) 353
Vodafone (Italy) . 354
Vodafone (Netherlands) 355
Vodafone (New Zealand) ... 356
Vodafone (Portugal) .. 357
Vodafone (Qatar) .. 358
Vodafone (Romania) . 359
Vodafone (Spain) .. 360
Vodafone (Turkey) 361
Vodafone (UK) ... 362
Wataniya (Kuwait) . 363
Willcom (Japan) . 364
Wind (Italy) . 365
WIND Hellas (Greece) .. 366
XL Axiata (Indonesia) 367
Yoigo (Spain) . 368
yuMobile (Kenya) .. 369
Zain (Kuwait) . 370
Zain (Saudi Arabia) ... 371
Zantel (Tanzania) .. 372
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY ... 1
1.0 INTRODUCTION ... 8
2.0 GROUP STRATEGY ANALYSIS 17
Total value and users of mobile payments worldwide, 2008 to 2012 ... 18
Total value and users of mobile payments worldwide, 2012 to 2016 (forecast) ... 19
Summary of strategic initiatives in mobile payments of leading mobile telecoms groups, 2012 . 21
Summary of strategic initiatives in mobile payments of leading mobile telecoms groups, 2012 (cont.) . 22
Summary of strategic initiatives in mobile banking of leading mobile telecoms groups, 2012 25
Summary of strategic initiatives in mobile banking of leading mobile telecoms groups, 2012 (cont.) . 26
Summary of strategic initiatives in insurance and assistance of leading mobile telecoms groups, 2012 ... 28
Captive payment, banking, insurance and assistance entities owned by leading mobile telecoms groups, 2012 . 30
Joint venture payment, banking, insurance and assistance entities co-owned by leading mobile telecoms groups, 2012 32
Strategic partnerships formed by leading mobile telecoms groups with external payment and payment-related technology companies, 2012 .. 35
Strategic partnerships formed by leading mobile telecoms groups with external banks, 2012 ... 38
Strategic partnerships formed by leading mobile telecoms groups with external insurance and assistance companies, 2012 . 39
3.0 BRAND ANALYSIS . 40
Number of mobile operator brands covered by the research, segmented by geographical region, 2012 .. 41
Multinational telecoms groups with five or more wholly- or partially-owned subsidiary brands covered by the research, 2012 .. 42
Provision rates for each type of payment and banking product by mobile operator brands, 2012 . 44
Provision rates for contactless merchant payments by mobile operator brands, segmented by geographical region, 2012 ... 45
Provision rates for payments via bank card / account by mobile operator brands, segmented by geographical region, 2012 ... 46
Provision rates for payments via phone bill by mobile operator brands, segmented by geographical region, 2012 . 47
Provision rates for payments via network account by mobile operator brands, segmented by geographical region, 2012 . 49
Provision rates for talktime / call credit transfer by mobile operator brands, segmented by geographical region, 2012 . 51
Provision rates for mobile banking by mobile operator brands, segmented by geographical region, 2012 52
Provision rates for credit cards (non-virtual) by mobile operator brands, segmented by geographical region, 2012 . 53
Provision rates for prepaid cards (non-virtual) by mobile operator brands, segmented by geographical region, 2012 . 54
Provision rates for consumer finance / micro-credits by mobile operator brands, segmented by geographical region, 2012 ... 55
Provision rates for miscellaneous payments / banking products by mobile operator brands, segmented by geographical region, 2012 ... 56
Proportion of mobile payment products offering international versus purely domestic functionality, segmented by type of product, 2012 ... 57
Proportion of mobile payment products offering international versus purely domestic functionality, segmented by type of product, 2012 (table) ... 58
Operating models used by mobile operator brands for each type of payment and banking product, 201260
Operating models used by mobile operator brands for each type of payment and banking product, 2012 (table) ... 61
Weighted competitor share of regular partnerships with mobile brands for contactless merchant payments, 2012 . 63
Weighted competitor share of payment network partnerships with mobile brands for contactless merchant payments, 2012 ... 64
Weighted competitor share of regular partnerships with mobile brands for payments via bank card / account, 2012 .. 65
Weighted competitor share of payment network partnerships with mobile brands for payments via bank card / account, 2012 66
Weighted competitor share of regular partnerships with mobile brands for payments via phone bill, 2012 .. 67
Weighted competitor share of payment network partnerships with mobile brands for payments via phone bill, 2012 ... 68
Weighted competitor share of regular partnerships with mobile brands for payments via network account, 2012 . 69
Weighted competitor share of payment network partnerships with mobile brands for payments via network account, 2012 .. 70
Weighted competitor share of partnerships with mobile brands for talktime / call credit transfer schemes, 2012 . 71
Weighted competitor share of partnerships with mobile brands for mobile banking schemes, 2012 . 72
Weighted competitor share of regular partnerships with mobile brands for credit cards (non-virtual), 2012 .. 73
Weighted competitor share of payment network partnerships with mobile brands for credit cards (non-virtual), 2012 74
Weighted competitor share of regular partnerships with mobile brands for prepaid cards (non-virtual), 2012 . 75
Weighted competitor share of payment network partnerships with mobile brands for prepaid cards (non-virtual), 2012 76
Weighted competitor share of partnerships with mobile brands for consumer finance / micro-credits, 2012 .. 77
Weighted competitor share of partnerships with mobile brands for miscellaneous payments / banking products, 2012 . 78
Provision rates for each type of insurance and assistance product by mobile operator brands, 2012 ... 81
Provision rates for mobile phone insurance by mobile operator brands, segmented by geographical region, 2012 . 82
Provision rates for mobile gadget insurance by mobile operator brands, segmented by geographical region, 2012 . 83
Provision rates for bill payment protection insurance by mobile operator brands, segmented by geographical region, 2012 ... 84
Provision rates for identity protection insurance / assistance by mobile operator brands, segmented by geographical region, 2012 ... 85
Provision rates for motor insurance by mobile operator brands, segmented by geographical region, 2012 .. 86
Provision rates for household insurance by mobile operator brands, segmented by geographical region, 2012 . 87
Provision rates for travel insurance / assistance by mobile operator brands, segmented by geographical region, 2012 . 88
Provision rates for accident insurance by mobile operator brands, segmented by geographical region, 2012 . 89
Provision rates for health insurance by mobile operator brands, segmented by geographical region, 2012 .. 90
Provision rates for life insurance by mobile operator brands, segmented by geographical region, 2012 ... 91
Provision rates for home assistance by mobile operator brands, segmented by geographical region, 2012 .. 92
Provision rates for legal assistance by mobile operator brands, segmented by geographical region, 2012 .. 93
Provision rates for medical assistance by mobile operator brands, segmented by geographical region, 2012 . 94
Provision rates for road assistance by mobile operator brands, segmented by geographical region, 2012 .. 95
Provision rates for miscellaneous insurance / assistance products by mobile operator brands, segmented by geographical region, 2012 .. 96
Operating models used by mobile operator brands for each type of insurance and assistance product, 2012 . 98
Operating models used by mobile operator brands for each type of insurance and assistance product, 2012 (table) .. 99
Weighted competitor share of partnerships with mobile brands for mobile phone insurance, 2012 . 101
Weighted competitor share of partnerships with mobile brands for mobile gadget insurance, 2012 102
Weighted competitor share of partnerships with mobile brands for bill payment protection insurance, 2012 103
Weighted competitor share of partnerships with mobile brands for identity protection insurance / assistance insurance, 2012 ... 104
Weighted competitor share of partnerships with mobile brands for motor insurance, 2012 .. 105
Weighted competitor share of partnerships with mobile brands for household insurance, 2012 .. 106
Weighted competitor share of partnerships with mobile brands for travel insurance / assistance, 2012 .. 107
Weighted competitor share of partnerships with mobile brands for accident insurance, 2012 . 108
Weighted competitor share of partnerships with mobile brands for health insurance, 2012 . 109
Weighted competitor share of partnerships with mobile brands for life insurance, 2012 ... 110
Weighted competitor share of partnerships with mobile brands for home assistance, 2012 111
Weighted competitor share of partnerships with mobile brands for legal assistance, 2012 .. 112
Weighted competitor share of partnerships with mobile brands for medical assistance, 2012 . 113
Weighted competitor share of partnerships with mobile brands for road assistance, 2012 .. 114
Weighted competitor share of partnerships with mobile brands for miscellaneous insurance / assistance products, 2012 ... 115
4.0 BRAND PROFILES ... 117
Screenshot of the interactive brand profile viewer included with this report's PartnerBASE dataset 117
Tables in interactive PartnerBASE
1010 (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 118
2degrees (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 119
3 (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 120
3 (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 121
3 (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 122
3 (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 123
3 (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance 124
3 (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 125
3 (UK): provision, operating models and partnerships for payments, banking, insurance and assistance 126
A1 (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 127
Aircel (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 128
Airtel (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 129
Airtel (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 130
Airtel (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 131
Airtel (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 132
Airtel (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 133
AIS (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 134
Ancel (Uruguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 135
APT - Asia Pacific Telecom (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance ... 136
AT&T Mobillity (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 137
au (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 138
Avea (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance .. 139
AXIS (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 140
Bakrie Telecom (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 141
BASE (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance .. 142
Beeline (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 143
Beeline (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 144
Bell Mobility (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance .. 145
BH Mobile (Bosnia and Herzegovina): provision, operating models and partnerships for payments, banking, insurance and assistance ... 146
Bouygues Telecom (France): provision, operating models and partnerships for payments, banking, insurance and assistance .. 147
BSNL (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 148
Celcom (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 149
Cell C (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance .. 150
Cellcom (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance .. 151
Ceria Mobile (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 152
China Mobile (China): provision, operating models and partnerships for payments, banking, insurance and assistance .. 153
China Telecom (China): provision, operating models and partnerships for payments, banking, insurance and assistance .. 154
China Unicom (China): provision, operating models and partnerships for payments, banking, insurance and assistance .. 155
Chunghwa Telecom (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 156
Claro (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 157
Claro (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 158
Claro (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance .. 159
Claro (Ecuador): provision, operating models and partnerships for payments, banking, insurance and assistance .. 160
Claro (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance .. 161
Comcel (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 162
COSMOTE (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance .. 163
COSMOTE (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 164
Cricket (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 165
DiGi (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 166
Digi.Mobil (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 167
Digicel (various Caribbean islands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 168
Djezzy (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 169
DNA (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 170
DTAC (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 171
du (UAE): provision, operating models and partnerships for payments, banking, insurance and assistance 172
Elisa (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 173
Emobile (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 174
Entel (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance .. 175
Etisalat (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance .. 176
Etisalat (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 177
Etisalat (UAE): provision, operating models and partnerships for payments, banking, insurance and assistance .. 178
Everything Everywhere (UK): provision, operating models and partnerships for payments, banking, insurance and assistance .. 179
FarEasTone (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 180
FITEL (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 181
Globacom (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 182
Globe Telecom (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance .. 183
Globul (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 184
Idea Cellular (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 185
Indosat (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 186
inwi (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance .. 187
Iusacell (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 188
KPN (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 189
KT (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance .. 190
Kyivstar (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance .. 191
LG U+ (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance .. 192
life:) (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance .. 193
LIME (various Caribbean islands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 194
Loop Mobile (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 195
m:tel (Bosnia and Herzegovina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 196
Maroc Télécom (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance .. 197
Maxis (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 198
Méditel (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance .. 199
MegaFon (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 200
Meteor (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 201
MetroPCS (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 202
MI (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance .. 203
MobiFone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 204
Mobilis (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 205
Mobily (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 206
Mobinil (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance .. 207
Mobistar (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance .. 208
Mobitel (Slovenia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 209
MOTIV (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 210
Movicel (Angola): provision, operating models and partnerships for payments, banking, insurance and assistance .. 211
Movistar (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 212
Movistar (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance .. 213
Movistar (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 214
Movistar (Ecuador): provision, operating models and partnerships for payments, banking, insurance and assistance .. 215
Movistar (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 216
Movistar (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance .. 217
Movistar (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 218
Movistar (Uruguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 219
mt:s (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 220
M-Tel (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 221
MTN (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 222
MTN (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 223
MTN (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance .. 224
MTNL (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 225
MTS (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 226
MTS (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 227
MTS (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance .. 228
Nawras (Oman): provision, operating models and partnerships for payments, banking, insurance and assistance .. 229
Nedjma (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 230
NetCom (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance .. 231
Network Norway (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance .. 232
New Telephone Company (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 233
New World Mobility (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 234
NEXTEL (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 235
NEXTEL (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 236
NEXTEL (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance .. 237
NTT DOCOMO (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 238
O2 (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance .. 239
O2 (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance .. 240
O2 (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 241
O2 (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 242
O2 (UK): provision, operating models and partnerships for payments, banking, insurance and assistance 243
Oi (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 244
Omantel Mobile (Oman): provision, operating models and partnerships for payments, banking, insurance and assistance .. 245
One 2 Free (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 246
Optimus (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance .. 247
Optus Mobile (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 248
Orange (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 249
Orange (France): provision, operating models and partnerships for payments, banking, insurance and assistance .. 250
Orange (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance .. 251
Orange (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 252
Orange (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 253
Orange (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 254
Orange (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 255
Orange (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 256
Orange (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 257
Orange (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 258
PCCW Mobile (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 259
Pelephone (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance .. 260
Personal (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 261
Personal (Paraguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 262
Play (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 263
Plus (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 264
Proximus (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance .. 265
Qtel (Qatar): provision, operating models and partnerships for payments, banking, insurance and assistance .. 266
Reliance Communications (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 267
Rogers Wireless (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance .. 268
Safaricom (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 269
S-Fone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 270
SFR (France): provision, operating models and partnerships for payments, banking, insurance and assistance .. 271
Si.mobil (Slovenia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 272
Singtel Mobile (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance .. 273
SK Telecom (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance .. 274
SkyLink (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 275
Smart Communications (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance .. 276
Smartfren (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 277
SmarTone-Vodafone (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 278
SoftBank Mobile (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 279
Sonera (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 280
Sprint Nextel (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 281
Starcomms (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 282
StarHub Mobile (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance .. 283
STC (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 284
Sun Cellular (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance .. 285
Sunrise (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 286
Swisscom (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 287
Taiwan Mobile (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 288
Tata DOCOMO (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 289
TDC (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance .. 290
Telcel (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 291
Tele2 (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 292
Tele2 (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 293
Telecom (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 294
Telekom (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 295
Telenor (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance .. 296
Telenor (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance .. 297
Telenor (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance .. 298
Telenor (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 299
Telenor (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 300
Telia (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance .. 301
Telia (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 302
Telekomunikasi Indonesia (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance ... 303
Telkomsel (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 304
Telstra (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 305
Telus Mobility (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance .. 306
Tigo (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 307
Tigo (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 308
Tigo (Paraguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 309
Tigo (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 310
TIM (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 311
TIM (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance .. 312
TMN (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance .. 313
T-Mobile (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 314
T-Mobile (Croatia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 315
T-Mobile (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance .. 316
T-Mobile (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance .. 317
T-Mobile (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance .. 318
T-Mobile (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 319
T-Mobile (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 320
T-Mobile (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 321
TracFone Wireless (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 322
True Move (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 323
Tunisiana (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 324
Tunisie Télécom (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 325
Turkcell (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance .. 326
U.S. Cellular (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 327
Uninor (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 328
Unitel (Angola): provision, operating models and partnerships for payments, banking, insurance and assistance .. 329
Verizon Wireless (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 330
VIBO (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 331
Videocon (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 332
Vietnamobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 333
Viettel Mobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 334
Vinaphone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 335
VIP (Croatia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 336
VIP (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 337
Virgin Mobile (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 338
Visafone (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 339
VIVA (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance .. 340
Vivacom (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 341
Vivo (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 342
Vodacom (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance .. 343
Vodacom (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 344
Vodafone (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 345
Vodafone (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance .. 346
Vodafone (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance .. 347
Vodafone (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance .. 348
Vodafone (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 349
Vodafone (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance .. 350
Vodafone (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance .. 351
Vodafone (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 352
Vodafone (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 353
Vodafone (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance .. 354
Vodafone (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 355
Vodafone (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 356
Vodafone (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance .. 357
Vodafone (Qatar): provision, operating models and partnerships for payments, banking, insurance and assistance .. 358
Vodafone (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 359
Vodafone (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 360
Vodafone (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance .. 361
Vodafone (UK): provision, operating models and partnerships for payments, banking, insurance and assistance .. 362
Wataniya (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance .. 363
Willcom (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 364
Wind (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance .. 365
WIND Hellas (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance .. 366
XL Axiata (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 367
Yoigo (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 368
yuMobile (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 369
Zain (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance .. 370
Zain (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 371
Zantel (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 372
0.0 EXECUTIVE SUMMARY ... 1
Finaccord's research covers 65 major mobile telecoms groups and 255 country-specific operator brands . 2
At a strategic level, leading telecoms groups are most active in the field of mobile payments .. 2
Asia and the US are the two current heartlands for the provision of contactless payment schemes. 2
Mobile wallets (such as the M-PESA platform) are typically administered on a captive or internal basis .. 3
There is ample scope for more mobile payment services to develop an international functionality ... 4
Co-branded credit card programs are more widespread than their prepaid equivalents ... 4
Telefónica is one of the few major telecoms groups to run its own captive insurance company ... 4
Some mobile operators distribute life insurance policies on behalf of multiple underwriters .. 6
The provision of various types of assistance service is particularly strong in Latin America .. 6
Mobile telecoms groups and brands are likely to up their game in financial services for several reasons 6
The current worldwide structure of mobile financial services is both complex and fragmented . 7
In future, leading mobile telecoms groups are likely to work with a smaller number of large providers . 7
1.0 INTRODUCTION ... 8
What is this report about? . 8
This study is the first ever worldwide analysis of the involvement of mobile operators in financial services... .. 8
... covering over 800 distinct product initiatives and deals with close to 400 partner organisations ... 8
Rationale 8
Mobile operators can be key affinity distribution partners in payments, banking, insurance and assistance 8
Methodology .. 9
Primary research 9
The research covers 65 mobile operator groups and 255 brands across 70 territories . 9
External sources 9
Definitions 10
Payment, banking, insurance and assistance products and services ... 10
Other terms .. 12
Operating models 13
Unweighted and weighted share of partnerships 13
Interactive PartnerBASE™ .. 14
Finaccord . 14
2.0 GROUP STRATEGY ANALYSIS 17
Introduction .. 17
Summary of groups researched .. 17
By total number of subscribers, China Mobile is by far the largest of the 65 groups investigated ... 17
The global market for mobile payments .. 17
The worldwide market for mobile payments increased by almost 600% between 2008 and 2012... .. 17
…with continued strong growth predicted through the first half of the current decade . 18
Group strategic approaches to mobile financial services ... 20
The majority of leading telecoms groups have active or planned strategic initiatives for mobile payments... . 20
... although some groups, such as Telenor, seem to devolve strategy to national mobile operator brands 20
In the developing world, mobile payments have become a feature of daily life for many consumers . 20
The 'low-tech' model will continue to be relevant… 23
…while 'high-tech' options have yet to live up to perennial expectations … . 23
…and security protocols remain crucial considerations . 23
Many groups use multiple forms of mobile payment, from simple to cutting edge technology 24
Talktime or call credit transfer remains the simplest means of transferring funds worldwide ... 24
Telecoms groups are less likely to enter into tied agreements for mobile banking than for mobile payments 24
Many mobile telecoms groups offer no unique network-linked mobile banking 24
Provision of insurance and assistance policies has tended not to be organised on a centralised basis... .. 27
... although KDDI's au Insurance is an interesting (and unique) example of an insurance joint venture . 27
Group ownership and partnership strategies in mobile financial services 29
The creation of captive and joint venture companies is an option for mobile telecoms groups... . 29
... with outright or partial ownership almost inevitably the outcome of centralised decisions ... 29
Captives in payments, banking, insurance and assistance 29
Seven major telecoms groups own captive or joint venture payment or banking entities... . 29
... with a further seven utilising captive (or sister) insurance or assistance providers ... 30
Joint ventures in payments, banking, insurance and assistance ... 31
At least two dozen formal joint ventures have been created, most focusing on mobile payments .. 31
Some, such as Isis, have been configured among two or more mobile telecoms groups... 31
... while others, like Wanda, involve a mobile telecoms group and a partner from a different sector ... 31
A three-way mobile payments joint venture in the UK has been blocked by the Competition Commission 31
In the shape of Jibun Bank, Japan's KDDI is co-owner of a joint venture retail bank ... 33
Strategic partnerships with payment and payment-related technology companies.. 33
Leading mobile telecoms groups are forging strategic partnerships with external payment companies . 33
Among the most eye-catching of these are those of Google with Sprint Nextel in the US... 33
... and those of Western Union with various telecoms groups across a range of territories... .. 33
... although a number of other significant examples are also visible elsewhere 34
Payment companies may complement or substitute for traditional banks, depending on the region .. 34
It is intended that the partnership of Visa with Vodafone will cover payments in up to 30 countries 34
Gemalto is used as a strategic partner by several groups and on a local level by numerous brands….. 34
…while several other technology companies provide support for mobile payments, especially via NFC ... 36
Leading groups in South Korea have by necessity forged multiple partnerships . 36
A range of other international organisations offer serious payments competition to telecoms groups 36
Strategic partnerships with banks 37
Citibank works as a strategic partner with both Polkomtel and Sprint Nextel ... 37
Globacom collaborates for mobile payments with several banks in West Africa .. 37
As evidenced by Turkcell's partnerships, mobile payments are already well-established in Turkey ... 37
In Brazil, mobile telecoms group Oi has forged a wide-ranging alliance with Banco de Brasil and Cielo 37
Strategic partnerships with insurance and assistance companies 38
Telefónica and Vodafone have both established strategic partnerships in this arena... ... 38
... and specialist consultancy EIP works with both, most especially within Europe .. 39
In future, it is likely that major telecoms groups will seek to offer more products with fewer providers 39
3.0 BRAND ANALYSIS . 40
Introduction .. 40
Summary of brands researched .. 40
Provision of payment and banking products... 43
Provision rates . 43
Globally, the most common type of payment product is the talktime / call credit transfer scheme… .. 43
…and nearly one quarter of brands have developed a co-branded credit card product .. 43
Contactless merchant payments: this functionality is absent from two of the seven world regions . 45
Payments via bank card / account: several large Eastern European brands are active in this area ... 46
Payments via phone bill: offered by nearly a third of operators in Southern and Western Europe .. 47
Payments via network account: a key driver of financial inclusion and international remittances 48
Talktime / call credit transfer: more than 60% of the 255 brands researched offer this functionality 50
Mobile banking (bank current accounts): several of the largest schemes are located in India 52
Credit card (non-virtual): widespread across Latin America, but absent from Canada and the US . 53
Prepaid card (non-virtual): Canada and Russia exhibit high provision rates for this product ... 54
Consumer finance / micro-credits: available from nearly a quarter of brands in Latin America ... 55
Miscellaneous payments / banking: other schemes exist for mobile stock trading and mortgages . 56
International functionality .. 57
Such capability is most prevalent within large telecoms groups, and also in the Middle East… .. 57
…although the international compatibility of NFC standards remains in its infancy .. 58
Hardware and software limitations ... 58
NFC restrictions can sometimes be avoided by using special SIM cards or external stickers . 58
In India, users with CDMA connections often cannot access the full range of mobile payment options . 59
Talktime / call credit transfer schemes emerge as the least restricted type of product . 59
Operating models 59
More than half of the initiatives for payments linked to mobile phone bills are run on an internal basis .. 59
The vast majority of co-branded payment card schemes involve a single card issuer… . 59
…although some brands operate captive or joint venture banks for this purpose 59
Competitor share of partnerships . 62
Contactless merchant payments: the most significant partnerships are forged in China and the US . 62
Payments via bank card / account: Indian specialist mChek is the leading provider in this field.. 65
Payments via phone bill: the top three providers hold a weighted share of partnerships of over 50% 67
Payments via network account: multinational platforms include Airtel Money and M-PESA ... 69
Talktime / call credit transfer: Belgian operators mix internal provision with an external partner . 71
Mobile banking (bank current accounts): some brand retail outlets even act as service points for banks... 72
Credit card (non-virtual): Itaú is the most common issuing partner for co-branded credit cards .. 73
Prepaid card (non-virtual): the three Canadian mobile operators all partner with the same bank ... 75
Consumer finance / micro-credits: a number of mobile brands make use of captive lenders .. 77
Miscellaneous payments / banking: Vodafone subsidiaries distribute mortgages for two banks . 78
Future products and planned schemes .. 79
Several new ventures are due such as Wanda, an initiative for mobile financial solutions in Latin America... 79
Provision of insurance and assistance products 80
Provision rates . 80
More than a third of brands offer mobile phone insurance to their customers… .. 80
…whereas more tangential types of policy (such as travel, accident and life) are less common . 80
Various forms of assistance are also present, especially in the Latin American markets 80
Mobile phone insurance: available from more than two thirds of North American operators ... 82
Mobile gadget insurance: provision rates are highest in Europe and the Americas . 83
Bill payment protection insurance: in Ecuador, Movistar bundles this with two other types of cover ... 84
Identity protection insurance / assistance: provision appears limited to just two Asian countries 85
Motor insurance: the Polish brand Claro is one of only two operators distributing motor policies 86
Household insurance: available from a small number of very large brands, including China Mobile .. 87
Travel insurance / assistance: 37% of operators in Latin America offer some form of travel cover . 88
Accident insurance: this product is available in five of the seven geographical regions ... 89
Health insurance: in Africa, some combined policies exist that offer health, accident and life cover ... 90
Life insurance: basic accidental death cover is sometimes offered to customers without charge ... 91
Home assistance: available as an optional extra from around half of mobile brands in Latin America ... 92
Legal assistance: the vast majority of assistance packages involve specialist providers . 93
Medical assistance: sometimes provided separately and without charge, especially in India.. 94
Road assistance: in the US, only AT&T Mobility appears to have a scheme for road assistance ... 95
Miscellaneous insurance / assistance: other propositions include golf insurance and concierge services . 96
Operating models 97
Around 70% of schemes for mobile phone cover involve a single external partner… . 97
…whilst several brands, including certain Telefónica subsidiaries, make use of captive insurers ... 97
Competitor share of partnerships for insurance and assistance products .. 100
Mobile phone insurance: Asurion is the policy administrator of choice across North America ... 100
Mobile gadget insurance: Liberty Mutual and Zurich are the leading underwriters in this field .. 102
Bill payment protection insurance: Assurant benefits greatly from its partnership with TIM in Brazil . 103
Identity protection insurance / assistance: South Korea's Dongbu Insurance is active in this field 104
Motor insurance: one France Télécom subsidiary makes use of broker Gras Savoye .. 105
Household insurance: in weighted terms, this market is dominated by one Chinese underwriter . 106
Travel insurance / assistance: China Mobile acts as a distributor for six underwriters ... 107
Accident insurance: ACE is involved with mobile brands in Brazil, Malaysia and the Philippines . 108
Health insurance: the top three providers represent around three quarters of this market 109
Life insurance: in Brazil, Vivo offers life policies on behalf of two multinational insurers 110
Home assistance: specialist providers include American Assist and International SOS 111
Legal assistance: Patrimonial Inbursa leads the field, thanks to its deal with Telcel in Mexico .. 112
Medical assistance: top providers include the Apollo Hospitals Group and Religare Technologies .. 113
Road assistance: in France, the Orange brand collaborates with Mondial Assistance .. 114
Miscellaneous insurance / assistance: several providers offer more than one type of niche product 115
Future products and planned schemes 116
Assurant Solutions and Telefónica are expected to broaden their co-operation in Latin America . 116
4.0 BRAND PROFILES ... 117
Using the interactive PartnerBASE file.. 117
Profiles in interactive PartnerBASE
1010 (Hong Kong) . 118
2degrees (New Zealand) ... 119
3 (Austria) .. 120
3 (Hong Kong) ... 121
3 (Indonesia) .. 122
3 (Ireland) ... 123
3 (Italy) ... 124
3 (Sweden) 125
3 (UK) . 126
A1 (Austria) 127
Aircel (India) ... 128
Airtel (Ghana) 129
Airtel (India) 130
Airtel (Kenya) . 131
Airtel (Nigeria) 132
Airtel (Tanzania) 133
AIS (Thailand) 134
Ancel (Uruguay) 135
APT - Asia Pacific Telecom (Taiwan) ... 136
AT&T Mobillity (US) ... 137
au (Japan) .. 138
Avea (Turkey) 139
AXIS (Indonesia) ... 140
Bakrie Telecom (Indonesia) ... 141
BASE (Belgium) 142
Beeline (Russia) 143
Beeline (Vietnam) .. 144
Bell Mobility (Canada) ... 145
BH Mobile (Bosnia and Herzegovina) ... 146
Bouygues Telecom (France) . 147
BSNL (India) .. 148
Celcom (Malaysia) 149
Cell C (South Africa) . 150
Cellcom (Israel) . 151
Ceria Mobile (Indonesia) ... 152
China Mobile (China) 153
China Telecom (China) . 154
China Unicom (China)... 155
Chunghwa Telecom (Taiwan) ... 156
Claro (Argentina) ... 157
Claro (Brazil) .. 158
Claro (Chile) ... 159
Claro (Ecuador) . 160
Claro (Peru) ... 161
Comcel (Colombia) ... 162
COSMOTE (Greece) 163
COSMOTE (Romania) .. 164
Cricket (US) ... 165
DiGi (Malaysia) .. 166
Digi.Mobil (Romania). 167
Digicel (various Caribbean islands) ... 168
Djezzy (Algeria) . 169
DNA (Finland) 170
DTAC (Thailand) ... 171
du (UAE) 172
Elisa (Finland) 173
Emobile (Japan) 174
Entel (Chile) ... 175
Etisalat (Egypt) .. 176
Etisalat (Nigeria) 177
Etisalat (UAE) 178
Everything Everywhere (UK) . 179
FarEasTone (Taiwan) ... 180
FITEL (Taiwan) .. 181
Globacom (Nigeria) ... 182
Globe Telecom (Philippines) . 183
Globul (Bulgaria) ... 184
Idea Cellular (India) ... 185
Indosat (Indonesia) ... 186
inwi (Morocco) ... 187
Iusacell (Mexico) ... 188
KPN (Netherlands) 189
KT (South Korea) .. 190
Kyivstar (Ukraine) .. 191
LG U+ (South Korea) 192
life:) (Ukraine) 193
LIME (various Caribbean islands) . 194
Loop Mobile (India) ... 195
m:tel (Bosnia and Herzegovina) 196
Maroc Télécom (Morocco) 197
Maxis (Malaysia) ... 198
Méditel (Morocco).. 199
MegaFon (Russia). 200
Meteor (Ireland) . 201
MetroPCS (US) . 202
MI (Singapore) ... 203
MobiFone (Vietnam) . 204
Mobilis (Algeria) . 205
Mobily (Saudi Arabia) 206
Mobinil (Egypt) ... 207
Mobistar (Belgium) 208
Mobitel (Slovenia) .. 209
MOTIV (Russia). 210
Movicel (Angola) 211
Movistar (Argentina) .. 212
Movistar (Chile) . 213
Movistar (Colombia) .. 214
Movistar (Ecuador) 215
Movistar (Mexico) .. 216
Movistar (Peru) .. 217
Movistar (Spain) 218
Movistar (Uruguay) 219
mt:s (Serbia) .. 220
M-Tel (Bulgaria) . 221
MTN (Ghana) 222
MTN (Nigeria) 223
MTN (South Africa) ... 224
MTNL (India) .. 225
MTS (India) 226
MTS (Russia). 227
MTS (Ukraine) ... 228
Nawras (Oman) . 229
Nedjma (Algeria) ... 230
NetCom (Norway) . 231
Network Norway (Norway) 232
New Telephone Company (Russia) .. 233
New World Mobility (Hong Kong) .. 234
NEXTEL (Brazil) 235
NEXTEL (Mexico) . 236
NEXTEL (Peru) . 237
NTT DOCOMO (Japan) 238
O2 (Czech Republic) . 239
O2 (Germany) ... 240
O2 (Ireland) 241
O2 (Slovakia) . 242
O2 (UK) .. 243
Oi (Brazil) ... 244
Omantel Mobile (Oman) ... 245
One 2 Free (Hong Kong) ... 246
Optimus (Portugal) 247
Optus Mobile (Australia) ... 248
Orange (Austria) 249
Orange (France) 250
Orange (Israel) .. 251
Orange (Kenya) . 252
Orange (Poland) 253
Orange (Romania) 254
Orange (Slovakia) . 255
Orange (Spain) .. 256
Orange (Switzerland) 257
Orange (Tunisia) ... 258
PCCW Mobile (Hong Kong) .. 259
Pelephone (Israel) . 260
Personal (Argentina) . 261
Personal (Paraguay) . 262
Play (Poland) . 263
Plus (Poland) . 264
Proximus (Belgium) ... 265
Qtel (Qatar) 266
Reliance Communications (India) . 267
Rogers Wireless (Canada) 268
Safaricom (Kenya) 269
S-Fone (Vietnam) .. 270
SFR (France) . 271
Si.mobil (Slovenia) 272
Singtel Mobile (Singapore) 273
SK Telecom (South Korea)... 274
SkyLink (Russia) ... 275
Smart Communications (Philippines) 276
Smartfren (Indonesia) ... 277
SmarTone-Vodafone (Hong Kong) ... 278
SoftBank Mobile (Japan) ... 279
Sonera (Finland) 280
Sprint Nextel (US) . 281
Starcomms (Nigeria) . 282
StarHub Mobile (Singapore) .. 283
STC (Saudi Arabia) ... 284
Sun Cellular (Philippines) ... 285
Sunrise (Switzerland) 286
Swisscom (Switzerland) 287
Taiwan Mobile (Taiwan) 288
Tata DOCOMO (India) .. 289
TDC (Denmark) . 290
Telcel (Mexico) .. 291
Tele2 (Russia) ... 292
Tele2 (Sweden) . 293
Telecom (New Zealand) ... 294
Telekom (Slovakia) ... 295
Telenor (Denmark) 296
Telenor (Hungary) . 297
Telenor (Norway)... 298
Telenor (Serbia) 299
Telenor (Sweden) .. 300
Telia (Denmark) . 301
Telia (Sweden) .. 302
Telekomunikasi Indonesia (Indonesia) . 303
Telkomsel (Indonesia) ... 304
Telstra (Australia) .. 305
Telus Mobility (Canada) 306
Tigo (Colombia) . 307
Tigo (Ghana) . 308
Tigo (Paraguay) . 309
Tigo (Tanzania) . 310
TIM (Brazil) 311
TIM (Italy) ... 312
TMN (Portugal) .. 313
T-Mobile (Austria) .. 314
T-Mobile (Croatia) . 315
T-Mobile (Czech Republic) 316
T-Mobile (Germany) .. 317
T-Mobile (Hungary) ... 318
T-Mobile (Netherlands) . 319
T-Mobile (Poland) .. 320
T-Mobile (US) 321
TracFone Wireless (US) ... 322
True Move (Thailand) 323
Tunisiana (Tunisia) 324
Tunisie Télécom (Tunisia) . 325
Turkcell (Turkey) ... 326
U.S. Cellular (US) .. 327
Uninor (India) . 328
Unitel (Angola) ... 329
Verizon Wireless (US) ... 330
VIBO (Taiwan) ... 331
Videocon (India) 332
Vietnamobile (Vietnam). 333
Viettel Mobile (Vietnam) 334
Vinaphone (Vietnam) 335
VIP (Croatia) .. 336
VIP (Serbia) ... 337
Virgin Mobile (Australia) 338
Visafone (Nigeria) .. 339
VIVA (Kuwait) 340
Vivacom (Bulgaria) 341
Vivo (Brazil) ... 342
Vodacom (South Africa) 343
Vodacom (Tanzania). 344
Vodafone (Australia) . 345
Vodafone (Czech Republic).. 346
Vodafone (Egypt) .. 347
Vodafone (Germany) 348
Vodafone (Ghana). 349
Vodafone (Greece) 350
Vodafone (Hungary) .. 351
Vodafone (India) 352
Vodafone (Ireland) 353
Vodafone (Italy) . 354
Vodafone (Netherlands) 355
Vodafone (New Zealand) ... 356
Vodafone (Portugal) .. 357
Vodafone (Qatar) .. 358
Vodafone (Romania) . 359
Vodafone (Spain) .. 360
Vodafone (Turkey) 361
Vodafone (UK) ... 362
Wataniya (Kuwait) . 363
Willcom (Japan) . 364
Wind (Italy) . 365
WIND Hellas (Greece) .. 366
XL Axiata (Indonesia) 367
Yoigo (Spain) . 368
yuMobile (Kenya) .. 369
Zain (Kuwait) . 370
Zain (Saudi Arabia) ... 371
Zantel (Tanzania) .. 372
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY ... 1
1.0 INTRODUCTION ... 8
2.0 GROUP STRATEGY ANALYSIS 17
Total value and users of mobile payments worldwide, 2008 to 2012 ... 18
Total value and users of mobile payments worldwide, 2012 to 2016 (forecast) ... 19
Summary of strategic initiatives in mobile payments of leading mobile telecoms groups, 2012 . 21
Summary of strategic initiatives in mobile payments of leading mobile telecoms groups, 2012 (cont.) . 22
Summary of strategic initiatives in mobile banking of leading mobile telecoms groups, 2012 25
Summary of strategic initiatives in mobile banking of leading mobile telecoms groups, 2012 (cont.) . 26
Summary of strategic initiatives in insurance and assistance of leading mobile telecoms groups, 2012 ... 28
Captive payment, banking, insurance and assistance entities owned by leading mobile telecoms groups, 2012 . 30
Joint venture payment, banking, insurance and assistance entities co-owned by leading mobile telecoms groups, 2012 32
Strategic partnerships formed by leading mobile telecoms groups with external payment and payment-related technology companies, 2012 .. 35
Strategic partnerships formed by leading mobile telecoms groups with external banks, 2012 ... 38
Strategic partnerships formed by leading mobile telecoms groups with external insurance and assistance companies, 2012 . 39
3.0 BRAND ANALYSIS . 40
Number of mobile operator brands covered by the research, segmented by geographical region, 2012 .. 41
Multinational telecoms groups with five or more wholly- or partially-owned subsidiary brands covered by the research, 2012 .. 42
Provision rates for each type of payment and banking product by mobile operator brands, 2012 . 44
Provision rates for contactless merchant payments by mobile operator brands, segmented by geographical region, 2012 ... 45
Provision rates for payments via bank card / account by mobile operator brands, segmented by geographical region, 2012 ... 46
Provision rates for payments via phone bill by mobile operator brands, segmented by geographical region, 2012 . 47
Provision rates for payments via network account by mobile operator brands, segmented by geographical region, 2012 . 49
Provision rates for talktime / call credit transfer by mobile operator brands, segmented by geographical region, 2012 . 51
Provision rates for mobile banking by mobile operator brands, segmented by geographical region, 2012 52
Provision rates for credit cards (non-virtual) by mobile operator brands, segmented by geographical region, 2012 . 53
Provision rates for prepaid cards (non-virtual) by mobile operator brands, segmented by geographical region, 2012 . 54
Provision rates for consumer finance / micro-credits by mobile operator brands, segmented by geographical region, 2012 ... 55
Provision rates for miscellaneous payments / banking products by mobile operator brands, segmented by geographical region, 2012 ... 56
Proportion of mobile payment products offering international versus purely domestic functionality, segmented by type of product, 2012 ... 57
Proportion of mobile payment products offering international versus purely domestic functionality, segmented by type of product, 2012 (table) ... 58
Operating models used by mobile operator brands for each type of payment and banking product, 201260
Operating models used by mobile operator brands for each type of payment and banking product, 2012 (table) ... 61
Weighted competitor share of regular partnerships with mobile brands for contactless merchant payments, 2012 . 63
Weighted competitor share of payment network partnerships with mobile brands for contactless merchant payments, 2012 ... 64
Weighted competitor share of regular partnerships with mobile brands for payments via bank card / account, 2012 .. 65
Weighted competitor share of payment network partnerships with mobile brands for payments via bank card / account, 2012 66
Weighted competitor share of regular partnerships with mobile brands for payments via phone bill, 2012 .. 67
Weighted competitor share of payment network partnerships with mobile brands for payments via phone bill, 2012 ... 68
Weighted competitor share of regular partnerships with mobile brands for payments via network account, 2012 . 69
Weighted competitor share of payment network partnerships with mobile brands for payments via network account, 2012 .. 70
Weighted competitor share of partnerships with mobile brands for talktime / call credit transfer schemes, 2012 . 71
Weighted competitor share of partnerships with mobile brands for mobile banking schemes, 2012 . 72
Weighted competitor share of regular partnerships with mobile brands for credit cards (non-virtual), 2012 .. 73
Weighted competitor share of payment network partnerships with mobile brands for credit cards (non-virtual), 2012 74
Weighted competitor share of regular partnerships with mobile brands for prepaid cards (non-virtual), 2012 . 75
Weighted competitor share of payment network partnerships with mobile brands for prepaid cards (non-virtual), 2012 76
Weighted competitor share of partnerships with mobile brands for consumer finance / micro-credits, 2012 .. 77
Weighted competitor share of partnerships with mobile brands for miscellaneous payments / banking products, 2012 . 78
Provision rates for each type of insurance and assistance product by mobile operator brands, 2012 ... 81
Provision rates for mobile phone insurance by mobile operator brands, segmented by geographical region, 2012 . 82
Provision rates for mobile gadget insurance by mobile operator brands, segmented by geographical region, 2012 . 83
Provision rates for bill payment protection insurance by mobile operator brands, segmented by geographical region, 2012 ... 84
Provision rates for identity protection insurance / assistance by mobile operator brands, segmented by geographical region, 2012 ... 85
Provision rates for motor insurance by mobile operator brands, segmented by geographical region, 2012 .. 86
Provision rates for household insurance by mobile operator brands, segmented by geographical region, 2012 . 87
Provision rates for travel insurance / assistance by mobile operator brands, segmented by geographical region, 2012 . 88
Provision rates for accident insurance by mobile operator brands, segmented by geographical region, 2012 . 89
Provision rates for health insurance by mobile operator brands, segmented by geographical region, 2012 .. 90
Provision rates for life insurance by mobile operator brands, segmented by geographical region, 2012 ... 91
Provision rates for home assistance by mobile operator brands, segmented by geographical region, 2012 .. 92
Provision rates for legal assistance by mobile operator brands, segmented by geographical region, 2012 .. 93
Provision rates for medical assistance by mobile operator brands, segmented by geographical region, 2012 . 94
Provision rates for road assistance by mobile operator brands, segmented by geographical region, 2012 .. 95
Provision rates for miscellaneous insurance / assistance products by mobile operator brands, segmented by geographical region, 2012 .. 96
Operating models used by mobile operator brands for each type of insurance and assistance product, 2012 . 98
Operating models used by mobile operator brands for each type of insurance and assistance product, 2012 (table) .. 99
Weighted competitor share of partnerships with mobile brands for mobile phone insurance, 2012 . 101
Weighted competitor share of partnerships with mobile brands for mobile gadget insurance, 2012 102
Weighted competitor share of partnerships with mobile brands for bill payment protection insurance, 2012 103
Weighted competitor share of partnerships with mobile brands for identity protection insurance / assistance insurance, 2012 ... 104
Weighted competitor share of partnerships with mobile brands for motor insurance, 2012 .. 105
Weighted competitor share of partnerships with mobile brands for household insurance, 2012 .. 106
Weighted competitor share of partnerships with mobile brands for travel insurance / assistance, 2012 .. 107
Weighted competitor share of partnerships with mobile brands for accident insurance, 2012 . 108
Weighted competitor share of partnerships with mobile brands for health insurance, 2012 . 109
Weighted competitor share of partnerships with mobile brands for life insurance, 2012 ... 110
Weighted competitor share of partnerships with mobile brands for home assistance, 2012 111
Weighted competitor share of partnerships with mobile brands for legal assistance, 2012 .. 112
Weighted competitor share of partnerships with mobile brands for medical assistance, 2012 . 113
Weighted competitor share of partnerships with mobile brands for road assistance, 2012 .. 114
Weighted competitor share of partnerships with mobile brands for miscellaneous insurance / assistance products, 2012 ... 115
4.0 BRAND PROFILES ... 117
Screenshot of the interactive brand profile viewer included with this report's PartnerBASE dataset 117
Tables in interactive PartnerBASE
1010 (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 118
2degrees (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 119
3 (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 120
3 (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 121
3 (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 122
3 (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 123
3 (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance 124
3 (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 125
3 (UK): provision, operating models and partnerships for payments, banking, insurance and assistance 126
A1 (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 127
Aircel (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 128
Airtel (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 129
Airtel (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 130
Airtel (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 131
Airtel (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 132
Airtel (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 133
AIS (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 134
Ancel (Uruguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 135
APT - Asia Pacific Telecom (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance ... 136
AT&T Mobillity (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 137
au (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 138
Avea (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance .. 139
AXIS (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 140
Bakrie Telecom (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 141
BASE (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance .. 142
Beeline (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 143
Beeline (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 144
Bell Mobility (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance .. 145
BH Mobile (Bosnia and Herzegovina): provision, operating models and partnerships for payments, banking, insurance and assistance ... 146
Bouygues Telecom (France): provision, operating models and partnerships for payments, banking, insurance and assistance .. 147
BSNL (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 148
Celcom (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 149
Cell C (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance .. 150
Cellcom (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance .. 151
Ceria Mobile (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 152
China Mobile (China): provision, operating models and partnerships for payments, banking, insurance and assistance .. 153
China Telecom (China): provision, operating models and partnerships for payments, banking, insurance and assistance .. 154
China Unicom (China): provision, operating models and partnerships for payments, banking, insurance and assistance .. 155
Chunghwa Telecom (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 156
Claro (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 157
Claro (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 158
Claro (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance .. 159
Claro (Ecuador): provision, operating models and partnerships for payments, banking, insurance and assistance .. 160
Claro (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance .. 161
Comcel (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 162
COSMOTE (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance .. 163
COSMOTE (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 164
Cricket (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 165
DiGi (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 166
Digi.Mobil (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 167
Digicel (various Caribbean islands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 168
Djezzy (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 169
DNA (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 170
DTAC (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 171
du (UAE): provision, operating models and partnerships for payments, banking, insurance and assistance 172
Elisa (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 173
Emobile (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 174
Entel (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance .. 175
Etisalat (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance .. 176
Etisalat (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 177
Etisalat (UAE): provision, operating models and partnerships for payments, banking, insurance and assistance .. 178
Everything Everywhere (UK): provision, operating models and partnerships for payments, banking, insurance and assistance .. 179
FarEasTone (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 180
FITEL (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 181
Globacom (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 182
Globe Telecom (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance .. 183
Globul (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 184
Idea Cellular (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 185
Indosat (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 186
inwi (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance .. 187
Iusacell (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 188
KPN (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 189
KT (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance .. 190
Kyivstar (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance .. 191
LG U+ (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance .. 192
life:) (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance .. 193
LIME (various Caribbean islands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 194
Loop Mobile (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 195
m:tel (Bosnia and Herzegovina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 196
Maroc Télécom (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance .. 197
Maxis (Malaysia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 198
Méditel (Morocco): provision, operating models and partnerships for payments, banking, insurance and assistance .. 199
MegaFon (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 200
Meteor (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 201
MetroPCS (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 202
MI (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance .. 203
MobiFone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 204
Mobilis (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 205
Mobily (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 206
Mobinil (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance .. 207
Mobistar (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance .. 208
Mobitel (Slovenia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 209
MOTIV (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 210
Movicel (Angola): provision, operating models and partnerships for payments, banking, insurance and assistance .. 211
Movistar (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 212
Movistar (Chile): provision, operating models and partnerships for payments, banking, insurance and assistance .. 213
Movistar (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 214
Movistar (Ecuador): provision, operating models and partnerships for payments, banking, insurance and assistance .. 215
Movistar (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 216
Movistar (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance .. 217
Movistar (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 218
Movistar (Uruguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 219
mt:s (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 220
M-Tel (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 221
MTN (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 222
MTN (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 223
MTN (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance .. 224
MTNL (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 225
MTS (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 226
MTS (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 227
MTS (Ukraine): provision, operating models and partnerships for payments, banking, insurance and assistance .. 228
Nawras (Oman): provision, operating models and partnerships for payments, banking, insurance and assistance .. 229
Nedjma (Algeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 230
NetCom (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance .. 231
Network Norway (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance .. 232
New Telephone Company (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 233
New World Mobility (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 234
NEXTEL (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 235
NEXTEL (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 236
NEXTEL (Peru): provision, operating models and partnerships for payments, banking, insurance and assistance .. 237
NTT DOCOMO (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 238
O2 (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance .. 239
O2 (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance .. 240
O2 (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 241
O2 (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 242
O2 (UK): provision, operating models and partnerships for payments, banking, insurance and assistance 243
Oi (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 244
Omantel Mobile (Oman): provision, operating models and partnerships for payments, banking, insurance and assistance .. 245
One 2 Free (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 246
Optimus (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance .. 247
Optus Mobile (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 248
Orange (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 249
Orange (France): provision, operating models and partnerships for payments, banking, insurance and assistance .. 250
Orange (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance .. 251
Orange (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 252
Orange (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 253
Orange (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 254
Orange (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 255
Orange (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 256
Orange (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 257
Orange (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 258
PCCW Mobile (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 259
Pelephone (Israel): provision, operating models and partnerships for payments, banking, insurance and assistance .. 260
Personal (Argentina): provision, operating models and partnerships for payments, banking, insurance and assistance .. 261
Personal (Paraguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 262
Play (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 263
Plus (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 264
Proximus (Belgium): provision, operating models and partnerships for payments, banking, insurance and assistance .. 265
Qtel (Qatar): provision, operating models and partnerships for payments, banking, insurance and assistance .. 266
Reliance Communications (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 267
Rogers Wireless (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance .. 268
Safaricom (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 269
S-Fone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 270
SFR (France): provision, operating models and partnerships for payments, banking, insurance and assistance .. 271
Si.mobil (Slovenia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 272
Singtel Mobile (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance .. 273
SK Telecom (South Korea): provision, operating models and partnerships for payments, banking, insurance and assistance .. 274
SkyLink (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 275
Smart Communications (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance .. 276
Smartfren (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 277
SmarTone-Vodafone (Hong Kong): provision, operating models and partnerships for payments, banking, insurance and assistance .. 278
SoftBank Mobile (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 279
Sonera (Finland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 280
Sprint Nextel (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 281
Starcomms (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 282
StarHub Mobile (Singapore): provision, operating models and partnerships for payments, banking, insurance and assistance .. 283
STC (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 284
Sun Cellular (Philippines): provision, operating models and partnerships for payments, banking, insurance and assistance .. 285
Sunrise (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 286
Swisscom (Switzerland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 287
Taiwan Mobile (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 288
Tata DOCOMO (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 289
TDC (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance .. 290
Telcel (Mexico): provision, operating models and partnerships for payments, banking, insurance and assistance .. 291
Tele2 (Russia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 292
Tele2 (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 293
Telecom (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 294
Telekom (Slovakia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 295
Telenor (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance .. 296
Telenor (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance .. 297
Telenor (Norway): provision, operating models and partnerships for payments, banking, insurance and assistance .. 298
Telenor (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 299
Telenor (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 300
Telia (Denmark): provision, operating models and partnerships for payments, banking, insurance and assistance .. 301
Telia (Sweden): provision, operating models and partnerships for payments, banking, insurance and assistance .. 302
Telekomunikasi Indonesia (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance ... 303
Telkomsel (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 304
Telstra (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 305
Telus Mobility (Canada): provision, operating models and partnerships for payments, banking, insurance and assistance .. 306
Tigo (Colombia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 307
Tigo (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 308
Tigo (Paraguay): provision, operating models and partnerships for payments, banking, insurance and assistance .. 309
Tigo (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 310
TIM (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 311
TIM (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance .. 312
TMN (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance .. 313
T-Mobile (Austria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 314
T-Mobile (Croatia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 315
T-Mobile (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance .. 316
T-Mobile (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance .. 317
T-Mobile (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance .. 318
T-Mobile (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 319
T-Mobile (Poland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 320
T-Mobile (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 321
TracFone Wireless (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 322
True Move (Thailand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 323
Tunisiana (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 324
Tunisie Télécom (Tunisia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 325
Turkcell (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance .. 326
U.S. Cellular (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 327
Uninor (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 328
Unitel (Angola): provision, operating models and partnerships for payments, banking, insurance and assistance .. 329
Verizon Wireless (US): provision, operating models and partnerships for payments, banking, insurance and assistance .. 330
VIBO (Taiwan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 331
Videocon (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 332
Vietnamobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 333
Viettel Mobile (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 334
Vinaphone (Vietnam): provision, operating models and partnerships for payments, banking, insurance and assistance .. 335
VIP (Croatia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 336
VIP (Serbia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 337
Virgin Mobile (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 338
Visafone (Nigeria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 339
VIVA (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance .. 340
Vivacom (Bulgaria): provision, operating models and partnerships for payments, banking, insurance and assistance .. 341
Vivo (Brazil): provision, operating models and partnerships for payments, banking, insurance and assistance .. 342
Vodacom (South Africa): provision, operating models and partnerships for payments, banking, insurance and assistance .. 343
Vodacom (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 344
Vodafone (Australia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 345
Vodafone (Czech Republic): provision, operating models and partnerships for payments, banking, insurance and assistance .. 346
Vodafone (Egypt): provision, operating models and partnerships for payments, banking, insurance and assistance .. 347
Vodafone (Germany): provision, operating models and partnerships for payments, banking, insurance and assistance .. 348
Vodafone (Ghana): provision, operating models and partnerships for payments, banking, insurance and assistance .. 349
Vodafone (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance .. 350
Vodafone (Hungary): provision, operating models and partnerships for payments, banking, insurance and assistance .. 351
Vodafone (India): provision, operating models and partnerships for payments, banking, insurance and assistance .. 352
Vodafone (Ireland): provision, operating models and partnerships for payments, banking, insurance and assistance .. 353
Vodafone (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance .. 354
Vodafone (Netherlands): provision, operating models and partnerships for payments, banking, insurance and assistance .. 355
Vodafone (New Zealand): provision, operating models and partnerships for payments, banking, insurance and assistance .. 356
Vodafone (Portugal): provision, operating models and partnerships for payments, banking, insurance and assistance .. 357
Vodafone (Qatar): provision, operating models and partnerships for payments, banking, insurance and assistance .. 358
Vodafone (Romania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 359
Vodafone (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 360
Vodafone (Turkey): provision, operating models and partnerships for payments, banking, insurance and assistance .. 361
Vodafone (UK): provision, operating models and partnerships for payments, banking, insurance and assistance .. 362
Wataniya (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance .. 363
Willcom (Japan): provision, operating models and partnerships for payments, banking, insurance and assistance .. 364
Wind (Italy): provision, operating models and partnerships for payments, banking, insurance and assistance .. 365
WIND Hellas (Greece): provision, operating models and partnerships for payments, banking, insurance and assistance .. 366
XL Axiata (Indonesia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 367
Yoigo (Spain): provision, operating models and partnerships for payments, banking, insurance and assistance .. 368
yuMobile (Kenya): provision, operating models and partnerships for payments, banking, insurance and assistance .. 369
Zain (Kuwait): provision, operating models and partnerships for payments, banking, insurance and assistance .. 370
Zain (Saudi Arabia): provision, operating models and partnerships for payments, banking, insurance and assistance .. 371
Zantel (Tanzania): provision, operating models and partnerships for payments, banking, insurance and assistance .. 372
- 2020 Foresight Report: No Magic Bullet - Wealth Management Models
- Israel 2013 Wealth Book: Trends in Millionaire Wealth
- 2020 Foresight Report: Branding and Segmentation in Wealth Management
- 2020 Foresight Report: Social Media in Wealth Management
- The Family Office Report 2013
- Canada 2013 Wealth Book: Land of the Tar Sands
- Challenges and Opportunities for the Wealth Sector in Canada 2013
- Challenges and Opportunities for the Wealth Sector in Turkey 2013
- High Net Worth Trends in Canada 2013
- High Net Worth Trends in Turkey 2013
- HNWI Asset Allocation in Canada 2013
- HNWI Asset Allocation in Turkey 2013
- Turkey 2013 Wealth Book: The Jewel of Asia
- Ultra HNWIs in Canada 2013
- Ultra HNWIs in Turkey 2013
- Geldanlage 2013
- Private Banking
- Annual Marketing Budgets in the European Asset Finance Industry: Survey Snapshot
- Budget Allocations on Key Marketing Initiaitves in the European Asset Finance Industry: Survey Snapshot
- Business Growth and Profitability Expectations in the European Asset Finance Industry: Survey Snapshot
*Alle Preise sind netto ausgewiesen. In Abhängigkeit von Ihrer Rechnungsanschrift ist hierauf noch USt. zu entrichten (Deutschland z.Z. 19%). Unser Angebot richtet sich ausschließlich an Unternehmen, Gewerbetreibende und Freiberufler.
Für Sie protokollierte Studien / Marktanalysen:
zuletzt angesehene Studien:
Seite drucken
Seite empfehlen
Home | Werbung | Über marktforschung.de | AGB | Impressum | Sitemap | Suche © 2006 bis 2013 Alle Rechte bei marktforschung.de - Studie - Global Mobile Operators: Strategies in Payments, Banking, Insurance and Assistance - Marktdaten / Marktanalysen bei marktforschung.de