Source: http://www.mobilecommercedaily.com/qualcomm%E2%80%99s-firethorn-adds-thousands-of-financial-institutions-to-mobile-banking-platform/
March 1st, 2010
Vision: In times to come, Consumers will be able to send money to someone using our mobile phone address books containing email addresses and/or mobile phone numbers.
How does it happen now: - Currently for mobile payments, there is no user friendly way for consumers to send money to each other, other than PayPal, that is, which does not have complete coverage.
Automated Clearing House (ACH) is the most common way to transfer funds electronically in the U.S. Routing this transaction requires users to know the bank ID and account number, the numbers listed on the bottom of paper checks.Most Americans do not know their account number or even carry paper checks anymore. Plus, sharing these numbers is considered risky and invites identity theft.
The mobile payments industry needs a way to map a safe, commonly-known, easily-identifiable ID such as an email address or mobile phone number to arcane ACH bank account information. That looks like exactly what Firethorn and the carriers are doing.
Mr. Eads said that when Firethorn can map email addresses and phone numbers to bank accounts, it becomes the “big directory in the sky” that has been missing from mobile payments in the U.S.
Firethorn is building a database of mobile phone numbers, email addresses, ZIP codes and financial instituion login credentials, and believes that this is extremely valuable for both mobile payments and mobile marketing.
Tuesday, July 13, 2010
Monday, July 12, 2010
How are MVNO different from MNO
Source: http://en.wikipedia.org/wiki/Mobile_virtual_network_operator
A mobile virtual network operator (MVNO) is a company that provides mobile phone services but does not have its own licensed frequency allocation of radio spectrum, nor does it necessarily have all of the infrastructure required to provide mobile telephone service.
A company that does have frequency allocation(s) and all the required infrastructure to run an independent mobile network is known simply as a mobile network operator (MNO).
An MNO that does not have a frequency spectrum allocation in a particular geographical region may operate as an MVNO in that region.
MVNO is an entity or company that works independently of the mobile network operator and can set its own pricing structures, subject to the rates agreed with the MNO.
Some MVNO may own their own home location register, or HLR, which allows more flexibility and ownership of the subscriber's mobile phone number (MSISDN)—in this case, the MVNO appears as a roaming partner to other networks abroad, and as a network within its own region.
Some MVNOs run their own billing and customer care solutions known as business support systems (BSS). Many use an MVNE.
There is a distinction between MVNOs and service providers, who purchase wholesale mobile minutes and resell to end-users. Normally they do not have their own SIM cards and the services provided by service providers depend on the services of the hosting MNOs or MVNOs.
The first commercially successful MVNO in the UK was Virgin Mobile UK,[3] launched in the United Kingdom in 1999. Virgin replicated its UK success through its US operation Virgin Mobile USA, which was eventually acquired by Sprint Nextel for a total equity value of approximately USD$483 million.
Mobile operators and MVNOs
There are three primary motivations for mobile operators to allow MVNOs on their networks. These are generally:
Segmentation-driven strategies
mobile operators often find it difficult to succeed in all customer segments. MVNOs are a way to implement a more specific marketing mix, whether alone or with partners and they can help attack specific, targeted segments.
Network utilisation-driven strategies
Many mobile operators have capacity, product and segment needs–especially in new areas like 3G. An MVNO strategy can generate economies of scale for better network utilisation.
Product-driven strategies
MVNOs can help mobile operators target customers with specialised service requirements and get to customer niches that mobile operators cannot get to.
MVNO models mean lower operational costs for mobile operators (billing, sales, customer service, marketing), help fight churn, grow average revenue per user by providing new applications and tariff plans and also can help with difficult issues like how to deal with fixed-mobile convergence by allowing MVNOs to try out more experimental projects and applications. The opportunity for mobile operators to take advantage of MVNOs generally outweighs the competitive threat.
Understanding the MVNO value chain
Mobile network operator (MNO)
The traditional MNO is characterised by having their own mobile licence, their own mobile infrastructure and direct customer relationship to the end user. The MNO can handle Network Routing and will usually have roaming deals with foreign MNOs. The MNO can produce and distribute for example voice-minutes, SMS and MMS messaging and data traffic themselves. The MNO can typically handle customer service, invoicing and collect consumption data and handle handset management themselves. Additionally the MNO will usually handle marketing and sales to end users themselves.
Mobile network enabler (MNE)
An MNE is characterised by having their own mobile licence and own mobile infrastructure, but the MNE has - unlike the MNO - no direct customer relationship with the end user. It is therefore only an MNO that can establish themselves as an MNE. The MNE is capable of handling Network Routing themselves and the MNE will typically have roaming deals with foreign MNOs. The MNE is able to produce and distribute for example voice minutes, SMS and MMS messages and data traffic. The MNE will typically be able to handle customer relationship, customer billing and collection of consumption data and mobile handset management. The MNE will not handle marketing and sales to end-users, this is a task for the MNE's wholesale customers.The MNE handles the technical side of the business and often also handles areas like customer service and legal assistance for mobile providers without their own network.
Mobile virtual network enabler (MVNE)
MVNEs are characterised by neither having a mobile licence nor mobile infrastructure or any direct customer relationship with the end-users. The MVNE is capable of handling Network Routing and the MVNE has typically entered into roaming deals with foreign MNOs. The MVNE is not capable of producing and distributing for example voice minutes and data traffic, but the MVNE will typically be able to handle producing SMS and MMS messages. A typical MVNE will handle customer service, customer billing, collection of consumption data and mobile handset management. Additionally the MVNE will not handle marketing and sales to end-users, this is a task for the MVNE's wholesale customers. The MVNE functions as a middleman between the MNO and the mobile providers without their own networks. The MVNE handles the technical side and often also tasks like customer service and legal assistance for mobile providers without their own network.
Mobile virtual network operator (MVNO)
An MVNO is characterised by neither having their own mobile licence nor own mobile infrastructure, but the MVNO has the direct customer relationship with the end user. The MVNO is able to handle Network Routing themselves and will typically have entered into roaming deals with foreign MNOs. The MVNO is often able to produce and distribute for example voice minutes and data traffic, typically by tagging onto their existing fixed line operation, and the MVNO will typically be able to handle producing SMS and MMS messages. A typical MVNO will be able to handle customer service, customer billing and collection of consumption data and handset management. Furthermore the MVNO will usually handle marketing and sales to end-users them self.
Mobile shared spectrum enabler (MSSE)
The MSSE has no mobile infrastructure of its own, but is a technology provider that uses innovative hardware and software to enable MVNOs to create their own actual mini-networks, while preserving and enhancing the relationship between MVNO and MNO. Using its agreement with the MNO, and operating within the MNO's spectrum license, the MSSE helps the MVNO to deploy its own network of low-power base-stations into areas the MNO could not justify, using Pico- and Femto-cell technologies. There is no impact on the MNO's mainstream network and it can, if it chooses, extend the reach of the its network at no cost, while the MVNO can improve its profitability by offering specialist and niche mobile solutions.
Service provider (SP)
An SP has neither a mobile licence nor own mobile infrastructure, but the SP has the direct customer relationship with the end user. An SP is not able to handle Network Routing themselves and a SP will not enter into roaming deals with foreign MNOs. The SP is not able to produce and distribute for example voice minutes and data traffic and cannot produce SMS or MMS messages themselves. The SP will typically handle customer relationship, customer billing consumption data and handset management themselves. Additionally, the SP will typically handle their own marketing and sales to end-users.
Branded reseller (BR)
A BR has neither a mobile licence nor own mobile infrastructure, but has the direct customer relationship to end-users. The BR cannot handle Network Routing themselves and the BR will not enter into roaming deals with foreign MNOs. The BR cannot produce and distribute for example voice minutes and data traffic themselves and are not able to produce SMS or MMS messages. A typical BR will not handle customer service, customer billing or collection of consumption data and handset management themselves.The BR will primarily concentrate their activities around marketing and sales to end-users. The BRs' positive contribution to the value chain is (naturally) their "brand", but their distribution power will also be a central asset for many Branded Resellers.
A mobile virtual network operator (MVNO) is a company that provides mobile phone services but does not have its own licensed frequency allocation of radio spectrum, nor does it necessarily have all of the infrastructure required to provide mobile telephone service.
A company that does have frequency allocation(s) and all the required infrastructure to run an independent mobile network is known simply as a mobile network operator (MNO).
An MNO that does not have a frequency spectrum allocation in a particular geographical region may operate as an MVNO in that region.
MVNO is an entity or company that works independently of the mobile network operator and can set its own pricing structures, subject to the rates agreed with the MNO.
Some MVNO may own their own home location register, or HLR, which allows more flexibility and ownership of the subscriber's mobile phone number (MSISDN)—in this case, the MVNO appears as a roaming partner to other networks abroad, and as a network within its own region.
Some MVNOs run their own billing and customer care solutions known as business support systems (BSS). Many use an MVNE.
There is a distinction between MVNOs and service providers, who purchase wholesale mobile minutes and resell to end-users. Normally they do not have their own SIM cards and the services provided by service providers depend on the services of the hosting MNOs or MVNOs.
The first commercially successful MVNO in the UK was Virgin Mobile UK,[3] launched in the United Kingdom in 1999. Virgin replicated its UK success through its US operation Virgin Mobile USA, which was eventually acquired by Sprint Nextel for a total equity value of approximately USD$483 million.
Mobile operators and MVNOs
There are three primary motivations for mobile operators to allow MVNOs on their networks. These are generally:
Segmentation-driven strategies
mobile operators often find it difficult to succeed in all customer segments. MVNOs are a way to implement a more specific marketing mix, whether alone or with partners and they can help attack specific, targeted segments.
Network utilisation-driven strategies
Many mobile operators have capacity, product and segment needs–especially in new areas like 3G. An MVNO strategy can generate economies of scale for better network utilisation.
Product-driven strategies
MVNOs can help mobile operators target customers with specialised service requirements and get to customer niches that mobile operators cannot get to.
MVNO models mean lower operational costs for mobile operators (billing, sales, customer service, marketing), help fight churn, grow average revenue per user by providing new applications and tariff plans and also can help with difficult issues like how to deal with fixed-mobile convergence by allowing MVNOs to try out more experimental projects and applications. The opportunity for mobile operators to take advantage of MVNOs generally outweighs the competitive threat.
Understanding the MVNO value chain
Mobile network operator (MNO)
The traditional MNO is characterised by having their own mobile licence, their own mobile infrastructure and direct customer relationship to the end user. The MNO can handle Network Routing and will usually have roaming deals with foreign MNOs. The MNO can produce and distribute for example voice-minutes, SMS and MMS messaging and data traffic themselves. The MNO can typically handle customer service, invoicing and collect consumption data and handle handset management themselves. Additionally the MNO will usually handle marketing and sales to end users themselves.
Mobile network enabler (MNE)
An MNE is characterised by having their own mobile licence and own mobile infrastructure, but the MNE has - unlike the MNO - no direct customer relationship with the end user. It is therefore only an MNO that can establish themselves as an MNE. The MNE is capable of handling Network Routing themselves and the MNE will typically have roaming deals with foreign MNOs. The MNE is able to produce and distribute for example voice minutes, SMS and MMS messages and data traffic. The MNE will typically be able to handle customer relationship, customer billing and collection of consumption data and mobile handset management. The MNE will not handle marketing and sales to end-users, this is a task for the MNE's wholesale customers.The MNE handles the technical side of the business and often also handles areas like customer service and legal assistance for mobile providers without their own network.
Mobile virtual network enabler (MVNE)
MVNEs are characterised by neither having a mobile licence nor mobile infrastructure or any direct customer relationship with the end-users. The MVNE is capable of handling Network Routing and the MVNE has typically entered into roaming deals with foreign MNOs. The MVNE is not capable of producing and distributing for example voice minutes and data traffic, but the MVNE will typically be able to handle producing SMS and MMS messages. A typical MVNE will handle customer service, customer billing, collection of consumption data and mobile handset management. Additionally the MVNE will not handle marketing and sales to end-users, this is a task for the MVNE's wholesale customers. The MVNE functions as a middleman between the MNO and the mobile providers without their own networks. The MVNE handles the technical side and often also tasks like customer service and legal assistance for mobile providers without their own network.
Mobile virtual network operator (MVNO)
An MVNO is characterised by neither having their own mobile licence nor own mobile infrastructure, but the MVNO has the direct customer relationship with the end user. The MVNO is able to handle Network Routing themselves and will typically have entered into roaming deals with foreign MNOs. The MVNO is often able to produce and distribute for example voice minutes and data traffic, typically by tagging onto their existing fixed line operation, and the MVNO will typically be able to handle producing SMS and MMS messages. A typical MVNO will be able to handle customer service, customer billing and collection of consumption data and handset management. Furthermore the MVNO will usually handle marketing and sales to end-users them self.
Mobile shared spectrum enabler (MSSE)
The MSSE has no mobile infrastructure of its own, but is a technology provider that uses innovative hardware and software to enable MVNOs to create their own actual mini-networks, while preserving and enhancing the relationship between MVNO and MNO. Using its agreement with the MNO, and operating within the MNO's spectrum license, the MSSE helps the MVNO to deploy its own network of low-power base-stations into areas the MNO could not justify, using Pico- and Femto-cell technologies. There is no impact on the MNO's mainstream network and it can, if it chooses, extend the reach of the its network at no cost, while the MVNO can improve its profitability by offering specialist and niche mobile solutions.
Service provider (SP)
An SP has neither a mobile licence nor own mobile infrastructure, but the SP has the direct customer relationship with the end user. An SP is not able to handle Network Routing themselves and a SP will not enter into roaming deals with foreign MNOs. The SP is not able to produce and distribute for example voice minutes and data traffic and cannot produce SMS or MMS messages themselves. The SP will typically handle customer relationship, customer billing consumption data and handset management themselves. Additionally, the SP will typically handle their own marketing and sales to end-users.
Branded reseller (BR)
A BR has neither a mobile licence nor own mobile infrastructure, but has the direct customer relationship to end-users. The BR cannot handle Network Routing themselves and the BR will not enter into roaming deals with foreign MNOs. The BR cannot produce and distribute for example voice minutes and data traffic themselves and are not able to produce SMS or MMS messages. A typical BR will not handle customer service, customer billing or collection of consumption data and handset management themselves.The BR will primarily concentrate their activities around marketing and sales to end-users. The BRs' positive contribution to the value chain is (naturally) their "brand", but their distribution power will also be a central asset for many Branded Resellers.
Monday, July 5, 2010
Things to Know before setting up Connectivity in IT
1. Who/what will be accessing the network?
2. Where do users need access?
3. What applications will be used?
4. What devices will be used to access the applications?
The answers to these questions will guide IT decision-makers on type, location, and amount of connectivity, device support, and application
integration. It’s important to point out that companies don’t have to, and likely won’t, eliminate borders overnight. Instead, their networks will evolve
and gradually remove borders. By breaking a ‘borderless’ state into components, they can start by upgrading the performance of their network, add
wireless coverage where needed, and enhance security, laying the foundation for the eventual goal of having applications and the network interact.
Source: http://www.webtorials.com/main/resource/papers/cisco/paper156/borderless_infonectics.pdf
2. Where do users need access?
3. What applications will be used?
4. What devices will be used to access the applications?
The answers to these questions will guide IT decision-makers on type, location, and amount of connectivity, device support, and application
integration. It’s important to point out that companies don’t have to, and likely won’t, eliminate borders overnight. Instead, their networks will evolve
and gradually remove borders. By breaking a ‘borderless’ state into components, they can start by upgrading the performance of their network, add
wireless coverage where needed, and enhance security, laying the foundation for the eventual goal of having applications and the network interact.
Source: http://www.webtorials.com/main/resource/papers/cisco/paper156/borderless_infonectics.pdf
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