移动汇款市场2010年研究报告:移动银行之发展趋势——Mobile Remittance 2010: Including trends in Mobile Banking

纸介版价格:英镑/篇 页数:146页上传日期:2010-02-20
电子版价格:1499英镑/篇
纸介版+电子版价格:英镑 附件下载:               
关键字: 移动支付|Mobile Remittance |

2009-12

价格:

Single user licence: GBP 1499

Dept:GBP: 2999

Site licence: GBP: 4999

Global site licence: GBP: 6999

摘要

全球银行和金融零售基础建设有两个特点。一个是,一些地区商业和社会特点使人们没有时间来进行银行本金转账。另一个是,其他地区几乎没有实体银行或者银行之间距离非常远。手机汇款使这两种特点的金融操作都成为可能。

The world's banking and financial retail infrastructure is characterised by two scenarios. One scenario is played out in some regions that have a saturated banking industry where the nature of business and society leaves no time for people to conduct transactions in a bank's premises. In other regions physical bank sites are few and far between. Mobile money transactions allows financial operations to be conducted under both scenarios.  

Whether mobile remittance or mobile banking, the necessity of access to banking and transactions solutions is available immediately and securely. Is this a disruptive innovation for banks or a new opportunity for mobile operator to work together effectively with the financial industry. Who should take the lead in capitalising on the new opportunities? While banks have combined with mobile operators to provide mobile money transaction services, some mobile operators function alone.

This report presents an analysis of global remittances. This includes the macroeconomic impact of regulations, the trends in global remittances and the factors affecting global remittances. Studies have been conducted on the major remittance corridors and major remittance markets. The report analyses the mobile remittance market, beginning with the necessities of deploying a mobile money transaction service which is becoming a dominant force both for international and domestic remittance; with several case studies scrutinised. The technological aspect of mobile remittance is also comprehensively studied with several evolving business models and service models analysed.

To assess the future of the mobile remittance market, factors have been identified which are necessary for mobile remittance to flourish. To understand the forces of competition in a local mobile remittance market, Porter's five forces model has been used. In the end, a selection of forecasts has been drawn to help decision makers in devising strategies.

To understand the greater implications of mobile money transaction services, a study of mobile banking has been included in the latter stages of the report. The technological models behind mobile banking, alongside the macroeconomic and industry effects have been considered in the analysis.

This report provides a comprehensive insight into the mobile money transaction industry which in some ways will be an eye opener for the banking industry in general where mobiles are replacing physical in-situ banking services in an increasingly feasible and sustainable way.

Focus of the report
The report focuses on past and emerging trends of mobile banking and mobile remittances. Forecasts for these trends are also included. Focus will be put on the current business models and probable future business models and how they will be shaped by regulations and market forces.

The technological side of the mobile remittances with an understanding of current vendors of technology will be taken into account leading up to the innovations that affect the discipline as a whole. Major markets that are hot spots will be studied to give an overview of how companies can better tackle the wide scale adoption of mobile remittances.

The global scenario of funds transfers across the globe will also be taken into account as they form the total market of international mobile remittances. What macroeconomic effects will the development of the industry make will be analysed incomprehensively.

Who should buy this report?
The report is written in the view of aiding decision makers in the mobile and banking sector take and informed decision as to their strategy directions and their technological development. Precisely, the report focuses on:-
• Decision makers in mobile companies.
• Decision makers in mobile app companies.
• Decision makers in domestic and international banks.
• Decision makers in international money transfer organisations.
• Decision makers in the mobile retail sector.

Why do you need to order this report today
• Strategist in a mobile company - Understand how mobile remittance and mobile banking in general can increase your company's profit. Understand the technologies uesd, the trends occuring and the business and service models followed. get an insight into the opportunity that remittance market holds for mobile operators.
• Mobile Operators - Learn which markets hold the maximum potential for profit in mobile money transaction services. Learn how companies have done it all and how you can successfully implement the service in a potential market.
• Mobile handset vendors - Discover what mobile subscribers will want from their handsets and what Android and Symbian are working to bring the mobile market. Learn about opportunities in this market and how these can be best utilised. Learn about the emerging technologies that hare being used in mobile money transaction applications.
• Domestic and international bank decision makers - Learn how mobiles are disrupting the traditional banking industry. Know how to mitigate the effects that mobiles bring to the banking industry. Learn how your company can profit from the emerging trends. Get an overall view of the global remittance market and how you can improve your services to attract more customers.
• International money transfer organisation's officials - Learn how you can answer the demands of international remittances. Know what decisions to take with regards to the including mobile transactions as part of your service. 
• Mobile retail sector personnels - Know what customers want and align your company's decisions to the future trends. Know which services will sell the most and will be in demand in future.

目录及图表

Table of Contents

CHAPTER- 1 Introduction
1.1 Disruptive innovations
1.2 Need for speed with more safety and convenience
1.3 The shift of the epicenter
1.4 The changing face of humanity
1.5 The huge potential
1.6 Potential pitfalls
1.7 The current market
Figure: M- Wallet Usage for Remittances Forecast (Worldwide)(2008- 2012)
1.8 Focus of the report
1.9 For whom is the report?

CHAPTER 2- Global Remittances
2.1 The Critical Macroeconomic Role of Remittances
2.2Global Data
Figure: Remittances as a percentage of country's GDP (53 countries considered)
2.3 Effect of the economic crisis on Global Remittances
2.4 Trends in Global Remittances
Figure: Global remittances trends and forecasts (distribution by country's income level, 2006-2015)
Figure: Annual growth rates for global remittances (2006-2011)
Figure: Figure: Global remittances trends and forecasts (distribution by region, 2006-2014)
2.5 Factors affecting Global Remittances
2.5.1 The Economic Crisis
2.5.1.1 Returning migrant stock
2.5.1.2 New migrants
Figure: Migrant employment in UK by country of birth(2002-2009)
Figure: Migrant population in US by country of birth(1990-2008)
2.5.1.3 Resulting scenario
Figure: Growth in Global Migrant Stocks(1960- 2050)
Figure: Annual Net Migrants to more developed regions(1950- 2050)
2.5.2 Efforts by migrants to maintain remittance
2.5.3 Volatile currency effects and government credit ratings
Figure: Currency appreciation in the major remittance-receiving countries
Figure: Effect of interest rates of Government Bonds
2.5.4 High base effect
2.6 Major remittance corridors
Figure: Major world remittance corridors
2.7 Remittance Channels
Figure: Remittance channels
2.8 Remittance motive
Figure: Remittances and capital flows to developing countries(2000- 2012)
2.9 Major remittance companies
Figure: Market share of P2P Money Transfer companies- 2009

3. Mobile Remittances
3.1 Why M- Banking
3.1.1 Inadequate Servicing of Remittance by Existing Mechanisms
Figure: US & UK Remittance Transaction Fees- 2009
3.1.2 Problems in reducing costs and an avenue for M- Banking
3.1.4 Poor financial infrastructure in developing economies
3.1.3 Participation in the formal vs. informal economy
3.2 Mobile penetration globally- Forecasts
Figure: World's mobile subscribers forecast (2000- 2015)
3.2.1 Major Growing mobile markets- Forecasts
3.2.1.1 Forecast for India- 2015
Figure: Indian mobile market forecast (2005- 2014)
3.2.1.2 Forecast for China- 2015
Figure: Chinese mobile market forecast (1999- 2015)
3.2.1.3 Forecast for Indonesia- 2015
Figure: Indonesian mobile market forecast (2000- 2015)
3.2.1.4 Forecast for Brazil- 2015
Figure: Brazilian mobile market forecast (2000- 2015)
3.2.1.5 Forecast for Africa- 2015
Figure: African mobile market forecast (2002- 2015)
3.3 Mobile Remittances
3.3.1 Present Scenario
3.3.1.1 Smart Telecom mWallet Services, Philippines
3.3.1.1.1 Smart Padala Remittance: 4 years of success
Figure: Smart Padala Remittance Partners and Locations Overseas
3.3.1.2 Globe Telecom, Philippines
3.3.1.2.1 GXI - Globe's M-Commerce Subsidiary
Figure: International GCASH REMIT Partners
3.3.1.3 Vodafone's M- PESA
3.3.1.3.1 Safaricom and M-PESA: m-transaction as a precursor to wider cross-border mobile remittance
3.3.1.3.2 M-PESA Adoption Curve
3.3.1.3.3 M-PESA Adoption Drivers
3.3.1.3.4 The M-PESA Service Model
3.3.1.3.5 M-PESA Expansion and International Implementation by Vodafone
3.3.1.3.6 Vodafone and Citigroup/Citibank global agreement
3.3.1.4 Bharti Airtel and Western Union Pilot Project
Figure: Western Union- number of agent locations worldwide, 2008
3.3.1.5 The GSM Association Mobile Money Transfer (MMT) Initiative
3.3.1.5.1 MMT: Attempt at creating a Multilateral Remittance Framework
Table Options for the Implementation of Multilateral MMT Hub Platforms
3.3.1.5.2 Partnerships
3.3.1.5.3 GSMA-Western Union Partnership
Table GSMA MMT Working Group Members
3.3.1.5.4 GSMA-MasterCard Partnership
3.3.2 Future developments

4. Technology aspect of mobile remittance
4.1 Evolving technologies to aid mobile remittances
4.1.1 The Development of M-transaction
4.1.2 Device Convergence
4.1.3 Convergence Embraces Mobile Transaction
Figure: M- Commerce
4.1.4 Low-cost handsets
Figure: Ultra Low Cost shipments, per annum, by region, 2009- 2014
4.1.5 SMS Banking
Figure: SMS Banking Framework
4.1.5.1 Prime Disadvantages of SMS Banking
Figure: Vulnerable points of SMS Banking
4.1.6 STK-enabled Mobile Transaction
Figure: STK application communication channel
4.1.7 IVR Banking Service Delivery
Figure: IVR Banking Framework
4.1.8 USSD/USSD2
Figure: USSD flow paths
4.1.9 WAP Service Delivery
Figure: WAP delivery service model
4.1.10 Service Delivery via J2ME Apps
Figure: Service Delivery via J2ME Apps
4.1.11 mWallet
Figure: Mobile Wallet Enabler Topology
4.1.12 Conclusion: Technology Options
4.2 Evolving Business Models and Service Models- Mobile Remittance
4.2.1 Business models
Figure: Mobile Remittance Value Chain
4.2.1.1 Mobile Operator as Bearer Channel Provider
Figure: MNO as Bearer-only Business Model
4.2.1.2 Mobile Operator as Bearer and Banking Application
Figure: MNO Banking Application Host Business Model
4.2.1.3 Integrating Banks/Financial Institutions into Mobile Operator Hosted Platforms
Figure: Business Model for an MNO as a Banking Hub
Figure: Topology of the MNO as Banking Hub Model
4.2.1.4 MNO Adoption of Financial Institution Status
Figure: Financially-licensed MNO model with MNO positioned as beneficiary
4.2.1.5 Summary of MNO Business Model Options
4.2.2 Business Model Options for Financial Institutions
4.2.3 Service Models
4.2.3.1 m-Wallet to m-Wallet
Figure: mWallet-to-mWallet Transaction Process
4.2.3.2 m-Wallet to Cash
Figure: mWallet-to-Cash Transaction Process
4.2.3.3 Cash to mWallet
Figure: Cash-to-mWallet Transaction Process

5. The Business Potential of remittance markets
5.1 Major domestic mobile remittance markets
5.1.1 Kenya
5.1.1.1 M- PESA offers
5.1.1.2 Growth in Kenyan mobile industry
Figure: Kenyan mobile industry (2003- 2012)
5.1.1.3 Kenyan mobile remittance market forecast
Figure: Number of registered users, M- Pesa (2007- 2012)
Figure: M- Pesa market adoption (2007-2012)
5.1.2 Philippines
5.1.2.1 Smart Money
Figure: Smart money (number of users) (2000-2015)
5.1.2.2 G- Cash
Figure: G- Cash (number of users) (2004-2015)
5.2 Potential mobile remittance markets
5.2.1 Methodology
5.2.2 The Financial Inclusion Index
5.2.3 Mobile remittance potential index
5.2.4 Results
Table- Mobile Remittance Potential Index (68 countries)
Table- Classification by Mobile Remittance adoption potency
Figure: Low Mobile Remittance adoption potential countries
Figure: Medium Mobile Remittance adoption potential countries
Figure: High Mobile Remittance adoption potential countries
5.3 Conditions necessary for mobile remittance to flourish
Figure: Conditions necessary for adoption of mobile remittance
5.4 Competitive forces in the mobile remittance market
5.4.1 Porter's Five Forces
Figure: Porter's five forces- Model
5.4.2 The five directions of competition- Explained
5.5 Regulatory issues in mobile remittance
5.5.1 Interplay between two regulatory frameworks- Financial regulations and telecommunication laws.
5.5.2 Regulatory Issues
5.5.3 Assessing a country's regulatory framework
Figure: Checklist for assessing a country's regulatory framework for introduction of MMT services.
5.5.4 Impact of regulation on choice of business model
Figure: Business Model Selection Framework
5.6 Entry and setup process for mobile remittance in a country
Figure: Greenwich Consulting MMT services market entry strategy

6. Forecast of mobile remittances- Worldwide
6.1 Forecast by region
Figure: Number of mobile users making national transfers split by 8 key regions (2009- 2014)
6.2 Forecast by channels
Figure: Forecasts by remittance channel volume (2009- 2015)
Figure: Comparision of forecasts for remittance channel by value (2009- 2015)
6.3 Forecast by country
Figure: Comparative mobile remittance forecasts fopr recipient countries (2009- 2015)

7. Mobile Banking
7.1 The new way of banking
Figure: Future of mobile banking
7.2 Emerging business models
Figure: comparative overview of mobile channel platforms
7.2.1 SMS Banking
Figure: SMS banking model
7.2.2 Mobile Web
Figure: Mobile web banking model
7.2.3 Mobile Client Applications
7.2.3.1 JAVA Environment
7.2.3.2 Binary Runtime Environment
Figure: Safaricom's Mobile banking Client platform
7.2.4 SMS with Mobile Web
Figure: SMS with Mobile Web banking snapshot
7.2.5 Secure SMS
Figure: Secure SMS snapshot
7.3 Potential threats of Mobile Banking
7.4 Future prospects of Mobile Banking - Till 2012
7.4.1 Mobile money transfer
Figure: Global state of Financial Inclusion
7.4.2 Mobile banking adoption
Figure: Mobile Banking: Transactional Users - 2011 Regional Forecast (%)
7.5 Market forecast for mobile money transfer and mobile banking.
Figure: Total customers for mobile money transfers and mobile banking (2009- 2014)

8. Industry effects and macroeconomic effects
8.1 Implications for the traditional banking industry
8.1.1 From the Bank to the Mobile
8.1.2 Basic necessities for Banks
8.1.3 Motivation
8.1.4 A threat to obsolescent banking industry
8.2 The macroeconomic effect
8.2.1 Effect on GDP by increased mobile penetration
8.2.2 Role of Governments
Figure: Economic impact of mobile phones on GDP (2005-2015)
8.2.3 Estimation of economic impact due to mobile banking

9. Conclusion
9.1 A necessity for economic development equals high consequential take-up
9.2 The need for regulatory harmonization and accommodation- mobile remittance
9.3 Standardisation as an achievable goal
9.4 Which form of mobile transaction platform will emerge as the most common? Mobile banking and mobile remittance
9.5 Danger of regulations 

Companies Listed

Adobe
Al Ahalia
Al Ansari
Al Jazeera Exchange
Alliance & Leicester
Amazing Communications
Arabian Exchange
Bancnet
BDO Bank
Bharti Airtel
Blackberry
Calisons Ltd.
CGAP
Citigroup
City Exchange
Country Remittance Partner
CSL
Cybertalk Limited
Czarina Remittance
DAX
Department for International Development (DFID)
Far East Remittance
First Direct
Future Exchange
Gen Ex
Global Mobile
Global Peso Express
Globe communications
GP Express
Greenwich Consulting
GSM Association
Gulf Exchange Main
G-Xchange Inc
Herald Remittance
HSBC
Ideal Pinoy Shop
IME Remit
IMF
Indian Council for Research on International Economic Relations
Indian Post
IRemit
Java
Kabayan Remittance
KenTv
Lari Exchange
LG
Linux
Luup International Ltd
Mabini Express
Maharlika Service
Margento Remittance
MasterCard
Maxis
McKinsey
Mexican Migration Project (MMP)
Moneygram
Monilink
Motorola
Mozilla
Nairobi Stock Exchange
NatWest
Nikia
NTT DOCOMO
NYBR
One Transfer
Opera
Pera Padala
Philippine Central Bank
Philippine Long Distance Telephone Company
Philippine National Bank
Philippine Tropical
PinoyCenter
Pinoy Express
Provident Capital Transfers
Qualcomm
Quick as a Flash
Rainbow
Reliable Peso
Reliable Peso Remit
Remit Plus
Remit X
Remittance Partner
RIM
Royal Bank of Scotland
Rural Bankers Association of the Philippines (RBAP)
Safaricom
Sajmani
SingTel
Smart Communications
Sony- Ericsson
Sun Microsystems
SWIFT
Sybase
Symbian
Telkom Kenya
Tesco Mobile
Touch Mobile
Travelex
Twilight Express Unlimited
UAExchange
UK Office of National Statistics
Ulster Bank
UN
UNCTAD
UNDP
Virgin Mobile
Visa
Vodafone
Western Union
Windows
World Bank

LIST OF COUNTRIES IN THE REPORT
Afganisthan
Albania
Argentina
Armenia
Azerbaijan
Bahrain
Bangladesh
Belarus
Belize
Benin
Bosnia
Bosnia & Herzegovina
Botswana
Brazil
Bulgaria
Cambodia
Canada
Cape Verde
Chile
China
Colombia
Costa Rica
CzechRepublic
Dominican Republic
Ecuador
Egypt
El Salvador
Estonia
Ethiopia
Fiji
Finland
Gambia
Georgia
Germany
Ghana
Grenada
Guatemala
Guinea-Bissau
Guyana
Haiti
Honduras
Hungary
India
Indonesia
Iran
Jamaica
Japan
Jordan
Kazakhstan
Kenya
Kiribati
Kuwait
KyrgyzRepublic
Lebanon
Lesotho
Liberia
Lithuania
Macedonia
Madagascar
Mexico
Moldova
Morocco
Namibia
Nepal
Nicaragua
Nigeria
Pakistan
Papua New Guinea
Peru
Philippines
Poland
Romania
Russia
Samoa
Saudi Arabia
Senegal
Serbia
Sierra Leone
SlovakRepublic
Slovenia
South Africa
Spain
Sri Lanka
Sudan
Tajikistan
Tanzania
Thailand
Togo
Tonga
Trinidad and Tobago
Tunisia
Turkey
Uganda
UK
Uruguay
US
Venezuela
Vietnam
West Bank and Gaza
Yemen, Rep.
Zambia
Zimbabwe

定购方法
① 注册订购:
点击在线订购进行报告订购
我们的服务人员将在24小时内与您联系。

② 电话订购:
拔打电话
北京:400 0090050   010-82863481
24小时:13436696826
传真:010-82601570

上海:021-64871266
021-64872612
24小时:13524982235
传真:021-64872324

签订协议
可从网上下载报告订购表或由我们传真报告订购表或订购协议。
传真:010-82601570

付款方式
① 通过银行转帐的形式支付报告购买款项
② 我们收到款项后,24小时内快递报告或者发送报告邮件

③ 款项到帐后快递发票

银行电汇:
北京:
开户行:
上海浦东发展银行北京知春路支行
帐号:91170154740001300
户名:北京佐思信息咨询有限责任公司
外币汇款账户信息:
BENEFICIARY’S BANK (受益人银行名称):
SHANGHAI PUDONG DEVELOPMENT BANK, H.O. SHANGHAI, CHINA
SWIFT:
SPDBCNSH390
BENEFICIARY’S A/C NO. (受益人帐号):
911 701 547 4000 1300
BENEFICIARY’S NAME(受益人名称):
OKOKOK(ZUOSI) Information Consulting CO.,LTD
COMPANY ADDRESS:
Room 1008, Tower A2, Longrange World Office Building, No.18 Suzhou Street, Haidian District, Beijing China
REMARKS(附言):
SHANGHAI PUDONG DEVELOPMENT BANK, BEIJING BR.***SUB-BR
在线客服系统