Conference Day Two: Thursday 06 May 2010
08:45 Morning coffee
09:00 Chairman's opening remarks
Aleeda Fazal, Managing Director, Paradigm Solutions & Consulting, and former Project Manager, M-PESA and M-Paisa
09:10 Keynote presentation: how customers really use mobile money in South Africa, Zambia and Tanzania
- Variations in customer adoption, account usage and application across African nations
- Different models for different countries:
o New banks attracting new customers - South Africa
o Up and coming banks differentiating with new products - Tanzania
o Well established banks launching modern banking applications - Zambia - The business case for banks: reducing cash handling costs, increasing customer loyalty, new possibilities for payments, and improving services via banking on-the-go
Brian Richardson, CEO, WIZZIT
09:40 WIZZIT Q&A
09:50 Developing the African regulatory environment for MMT - an audience with the Central Banks
- How the different National Payment Systems define the mobile money opportunity and the possible business models for MMT
- Differentiating between e-money and mobile money
- Geographical and economic variations in regulation across Africa
- Implications of regulation for YOUR business model
Stephen Mwaura Nduati, Head, National Payments System, Central Bank of Kenya
Lucy Kinunda, Head of National Payment Systems Act, Central Bank of Tanzania
Dela Selormy, National Payment System, Central Bank of Ghana
Mwelwa Mwaba, Analyst, Payment Systems Development, Central Bank of Zambia
Elliott Mwebya, National Payment System, Central Bank of Uganda
Sarah Langhan, Principal - Financial Inclusion, Quindiem Consulting
Paul Makin, Principal Consultant, Consult Hyperion and former M-PESA Concept Architect
10:30 Q&A with the Central Banks
10:50 Morning coffee
11:20 Case study: loan repayment using M-PESA
- Working with the regulators to facilitate the adoption of mobile money
- Working with the existing mobile money service providers to capitalise on interoperability
- Strategic options for alternative channels: mobile, internet and agency banking options
- Launching a Super Agency to improve product availability
Kevin Kihara, Relationship Manager, Family Bank
11:50 Case study: how to drive usage of mobile money
- Send Money as an instant, convenient solution for the unbanked, and a way of tapping into the 3.8 million annual money transactions in South Africa
- Customer usage patterns and adoption curves for bank led deployment of mobile money services
- Utilising existing banking infrastructure for mobile money agency solutions
- Money transfer, airtime purchase, balance checking and shopping online using Cell Pay Point
- Consumer education initiatives
Len Pienaar, CEO mCommerce, FNB
12:20 Family Bank and FNB Q&A
12:30 Networking lunch
13:40 Panel discussion: how mobile money works with microfinance institutions
- Why do mobile money service operators need MFIs? What is the advantage of addressing the bottom of the pyramid?
- What are the ingredients for a successful partnership?
- Enabling the repayment and disbursement of loans through mobile money and MFI partnerships
- The benefits for MFIs in partnering with MNOs
- Alternative routes to facilitate mobile microfi nance programmes: network independent options and the cost of developing own in-house functionality
- Why have mobile microfinance projects been slower to emerge than expected?
- The importance of customer education in building scalability and reducing churn
- Adapting the business model for mobile microfinance to suit the rural unbanked customer
Cameron Goldie-Scot, African Implementation Team Manager, Musoni
Eric Cantor, Director, AppLab Uganda, Grameen Foundation
Elizabeth Berthe, Director, Village Solutions, Grameen Foundation
Graham Wright, Director, MicroSave
Carol Caruso, Director, Advisory Services, Triple Jump
Thierno Seck, Director of Mobile Banking Projects, PlaNet Finance
Aiaze Mitha, Director, Amarante Consulting and former Product
Director, M-Paisa
Kamal Budhabhatti, CEO, Craft Silicon
14:20 MMT innovation showcase: learning from the pioneers of commercial and not for profi t m-commerce applications
- Mobile Transactions: alternative channels for mobile money
o Voucher systems - the 'Delivery and Tracking programme' for the World Food Programme, and 'Agricultural Input Support' for the Conservation Farming Unit
o 'Cashless Rural Cotton Farmer Payments'
o Carbon Credits - Aggregating rural communities' credits and facilitating high volume, low value payments - Grameen's AppLab: application innovation for mobile money
o Mobile healthcare - new ways of communicating medical information
o Farmer's Friend - agricultural advice for rural workers
o Google Trader - getting the best commodity prices
o Weather applications - The Community Knowledge Worker initiative - customer education programmes
- Mukuru: remitting more than money
o Sending food / gifts / value as opposed to cash
o Formulating an MFI sponsored CSR programme involving MMT for rural musicians - Mukuru Music - kiwanja.net: closing the digital divide - the work of the non-profit organisation in the mobile banking space
o FrontlineSMS: Credit - facilitating mobile microfi nance transactions
o FrontlineSMS: Medic - enabling m-healthcare in Malawi, Uganda, Kenya, Mali, Cameroon, and Burundi
Moderator: Tom Standage, Business Affairs Editor and author 'Mobile Marvels', The Economist
Brett Magrath, Founder and Managing Director, Mobile Transactions
Brad Magrath, Founder and General Manager, Mobile Transactions
Eric Cantor, Director, AppLab Uganda, Grameen Foundation
Rob Burrell, Managing Director, Mukuru
Ken Banks, Founder, kiwanja.net, FrontlineSMS
Ben Lyon, Executive Director, FrontlineSMS:Credit
Josh Nesbit, Executive Director, FrontlineSMS:Medic
15:00 Afternoon coffee and networking
15:20 Panel discussion: who will win the customer acquisition race in an interoperable, unifi ed future mobile money ecosystem?
- What is the potential for the unifi cation of fragmented mobile money programmes?
- The possibility of introducing a new account structure similar to online payments
- Which business model will prevail and who will own the customer?
- How can we enable interoperability in mobile money?
Menekse Gencer, Director, mPay Connect Inc
Malcolm Vernon, Director of Market Development, EMEA, Nokia
Financial Services
Aleeda Fazal, Managing Director, Paradigm Solutions & Consulting, and
former Project Manager, M-PESA and M-Paisa
Richard Ketley, Director, Genesis Analytics
Pertti Johansson, Chief Wireless Officer, Monitise
Paul Thomas, New Channel and Product Development Manager, MoneyGram
Samee Zafar, Director, Edgar, Dunn & Company
16:00 The technology evolution from web to mobile remittance services
- The realities of cross-border money transfer
- Navigating the regulatory maze
- The infl uence the local culture has on product rollout strategies
Lisa Shields, CEO, hyperWALLET Systems Inc.
16:20 How to overcome consumer barriers for mobile money transfer adoption
- Convenience as a key driver for adoption
- Understanding sender and receiver dynamics
- Maximising customised marketing to ensure success
Thomas Christophersen, Head of New Product and Channel Development, MoneyGram
16:40 Designing MMT systems for optimal accessibility
Many core customers of MMT are textually or technically illiterate
- How do these users currently navigate devices and services?
- In what way do their motivations differ from their literate counterparts?
- How can social practices be leveraged in the service design process?
- How best to frame 'designing for illiteracy' in the organisation
- How does this affect the service offering?
- The role that intermediaries can play in educating customers
- Customer education channels that target customers at scale
Jan Chipchase, Principal Scientist, Nokia
Olga Morawczynski, Consultant and PhD candidate, University of
Edinburgh
17:20 Chairman's summary
17:30 End of conference
Pre conference workshop - Mobile Money Academy
Programme Day One
Post conference site visits
