The GSMA
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July 2014
© GSM Association 2014
All GSMA meetings are conducted in full compliance with the
GSMA’s anti-trust compliance policy
© GSMA 2014
The GSMA
© GSMA 2014
Why Mobile Operators?
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Substantial
distribution channels
to provide Digital
Commerce enabled
services, and have
sufficient economies
of scale to provide
mobile contactless to
all
Customer care
infrastructure
providing consumers
with a trusted
transaction partner
resolving any issues
relating to their
mobile services
Technical
infrastructure for the
provisioning and
management of SIM
cards and ensuring
adequate security
Substantial
experience in
standards-based
and interoperable
services, enabling
strong ecosystem
development based
on the mobile
platform
The GSMA’s Vision
We connect…
The digital and physical worlds.
We enable and provide…
Secure, smart and seamless services.
We create…
Opportunities and prosperity for all.
We are your trusted partner.
© GSMA 2014
The GSMA Vision 2020 framework
Digital Futurescape
Personal Data
Become the
secure
guardians of
consumer data
•
Develop a webbased and SIMbased digital
authentication
solution
Connected Living
Connect the
digital and
physical worlds
•
•
© GSMA 2014
Develop Machine
SIM (MIM) to
enable the Internet
of Things
Define Internet of
Things network
requirements
Digital Commerce
Network 2020
Enable and
build the digital
commerce
ecosystem
Create the
network for
secure, smart
and seamless
services
•
•
Create
standardised
B2B wallet
interfaces
Develop Mobile
Money
Interoperability
•
Make Operator IP
Communications work
as a native service
•
Develop and
implement technical
standard for Quality of
Service (QoS)
Digital Commerce Initiative
Restricted - Confidential Information
July 2014
© GSM Association 2014
All GSMA meetings are conducted in full compliance with the
GSMA’s anti-trust compliance policy
© GSMA 2014
The GSMA’s Digital Commerce Initiative
From Vision 2020’s development, two priority initiatives were identified
for digital commerce:


In mature markets, become the trusted mediator – creation of a
mobile commerce ecosystem where operators become trusted
mediators between consumers and service providers integrating
stores of value and enabling commerce personalisation.
In emerging markets, create the mobile money ecosystem –
creation of a digital financial ecosystem, with operators bringing
significant value, in which mobile money replaces a large proportion
of cash transactions.
To address the very different market needs, the Digital Commerce
initiative will be delivered by two programmes, B2B Wallet Interfaces
and Mobile Money Interoperability.
© GSMA 2014
B2B Wallet Interfaces Programme
NFC is just a small part of what is happening in digital commerce:

Mobile wallets, mobile payments, transport ticketing, retail loyalty and
couponing services, parking and other services are being rolled out using a
wide range of technology solutions.

Alongside NFC, increasingly popular solutions for digital commerce include:
–
Bluetooth low energy (BLE) eg iBeacons
–
QR codes and barcodes
–
Web-based / online services
–
Proprietary products eg Apple’s Passbook
–
Mobile point of sales services eg Square, handset based mPOS.
It’s almost impossible to list all the digital
commerce services — in Europe alone there
are already more than 250 live digital
commerce services compared to 300 NFC
services globally.
© GSMA 2014
Consumers and service providers alike need
simplicity, consistency and relevance



© GSMA 2014
Mobile operators will use digital commerce services and mobile wallet
offerings as competitive and differentiated customer propositions.
In order to attract service providers, consistency and scale are essential on
the B2B side.
A global proposition is needed to drive adoption and scale, embodied by a
set of common B2B interfaces deployed by all operators in the same
market.
GSMA Digital Commerce Retail 2014
To support the Digital Commerce B2B Interfaces Programme objective:
Engage with the digital commerce ecosystem to stimulate the
development and onboarding of service applications using
operator interfaces.




© GSMA 2014
Define the core functionality and technology to enable mobile
couponing and loyalty (in both on and off line states).
Determine a mobile solution for multi-merchant/operator coupon
distribution and acceptance.
Develop an ‘In-Store Shopper Journey’.
Support mobile operator trials and go-to-market activities in selected
markets.
GSMA Digital Commerce Transport 2014
To support the Digital Commerce B2B Interfaces Programme objective:
Engage with the digital commerce ecosystem to stimulate the
development and onboarding of service applications using
operator interfaces using the following methods.



© GSMA 2014
Identify requirements for transport by conducting an impact assessment detailing
technology/ capability/ market requirements to support interoperable ticketing &
access solutions.
Develop B2B propositions which meet the identified needs of service providers and
mobile operators leading to the deployment of a service implementation toolkit via:
–
Determining the corresponding architecture and identifying the interfaces where
standardisation will bring value.
–
Specifying the corresponding APIs and business processes.
Collate best practice and develop strategies to support its’ adoption and
implementation by mobile operators and the transport ecosystem.
GSMA Digital Commerce Simplification 2014
To support the Digital Commerce B2B Interfaces Programme objective:
Simplified service on boarding is focusing on reducing the
complexity of mobile financial services, and will address both the
development of guidelines or specifications as well as the End to
End testing.
The focus of the project is primarily payment/financial services simplification, but should also cover
other SIM-based solutions such as transport, retail loyalty etc.
The main objectives are:

Define what are the simplification requirements and recommend the preferred options.

Document and specify selected simplification options.

Help develop comprehensive test plans for Trusted Service Managers (TSMs), SIMs, handsets,
and end to end services.
The project will focus on the following work packages:

Guidelines for shared TSMs and TSM hubs.

Specifications and recommended options to simplify current business and technical ecosystem
(TSM, SIM).

End to End test specifications involving other key players as required.
© GSMA 2014
Mobile Money Interoperability Programme
The mobile money landscape is becoming increasingly
competitive with 52 markets having 2 or more mobile
money schemes at the end of 2013
© GSMA 2014
Mobile Money Interoperability - FY2014
Definition
Objectives
$
1
Develop enablers of A2A
mobile money
interoperability
Economic case for interoperability and “how
to” guides: Commercial models, technical
architectures, operational guides and
regulatory considerations.
2
Support selected markets to
achieve 5 commitments and
3 launches for A2A
interoperability
In-country commercial, technical and
regulatory support to facilitate commitment
and implementation of interoperable wallets.
3
Create enablers for
ecosystem development
Assess ecosystem needs, undertake gap
analysis on current offerings and provide
guidelines on exposing mobile money to third
parties with APIs.
4
Engage with ecosystem
stakeholders to promote the
role of operators in the
ecosystem
Encourage third parties to digitise payments
and use the mobile money ecosystem
developed by operators.
MMO B
MMO A
$
MMO C
BANKS
Mobile Money Platform
Companies who want to use
mobile money in their solutions
5
© GSMA 2014
Activities
Evaluate longer term
strategic industry
opportunities
Conduct strategic assessment / feasibility of
post FY 2014 mobile money opportunities.
Any questions?
Thank you
digitalcommerce@gsma.com
© GSMA 2014