Category Archives: life

Embracing Digital Wallets 2.0

For years mobile wallet providers have gone to market with a limited feature set and focused on onboarding new accounts and not transactions and merchant payments. Mobile wallet providers and MNOs have built strong momentum across the globe with over 1 billion registered mobile money users. The initial use case of payments and a digital […]

MNO’s and eMoney wallet providers need to acquire and manage merchants

Is there sufficient focus on merchant payments across developing and developed markets to make cashless economies a reality? With over 1bn registered mobile money users in 95 countries, mobile money operators and MNO’s, have a substantial addressable market. Why is it then that cash is still king in these countries, and people with these wallets […]

What lessons have challenger banks learnt?

They have a business model that is digital to the core.  Put simply you cannot plaster a digital core over an incumbent bank.  A full digital core:  Enables them to innovate quickly  Offer a wide range of downloadable Apps  Onboard customers in a matter of minutes  Provide a wide range of tools that enable the […]

The case for why your MNO should offer financial services

In the early part of the 21st century, US company Walmart attempted to start a bank. It wasn’t a revolutionary idea, but the world kept throwing up obstacles to stop them. It was clear that there were many who wanted to resist a company like Walmart entering the banking sector, and eventually, the retailer gave […]

Adding value as a merchant acquirer

How merchants enable and streamline payment acceptance is now at the forefront of the shopping experience. For a merchant acquirer —a once stable and steady background business helping retailers accept and process debit and credit cards at point-of-service and remotely (such as via telephone and mail)—is now a key differentiator for businesses. The more shopping […]