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a2a interoperaBility makinG moBile money scHemes interoperate
Appendix A -
Assessment examples
A.1
UnDeRstAnD tHe MARKet c ontext
as different implementation options are likely to be suitable for different types of market, it makes sense to consider the payments
landscape, both by industry composition and existing financial infrastructure, in which operability is to be implemented.
a2a interoperability provides the ability for customers to undertake direct credit transactions between mmo accounts and between mmo
accounts and bank accounts. therefore, it is reasonable to segment the market by to considering two dimensions corresponding to the
mmo and banking sectors.
For example, an approach to market segmentation might consider:
the number and concentration of mobile money schemes; against
the competitiveness and complexity of the retail banking sector.
this landscape categorisation is illustrated below:
MobIle Money
MArket
B. MUlTIPlE
Fragmented A. MUlTIPlE MMO SCHEMES AND
(more players) SCHEMES, lIMITED COMPETITIvE
NUMBEr OF BANKING
BANKS NETwOrKS
Concentrated C. ESTABlISHED D. ESTABlISHED
(few players) MMO SCHEMES, MMO SCHEMES,
CONCENTrATED OPEN BANK
PAyMENT
BANKING MArKET NETwOrKS
retAIl pAyMentS
Concentrated Competitive And bAnkIng MArket
Figure 7: Simple Categorisation of Market Types
38
Appendix A -
Assessment examples
A.1
UnDeRstAnD tHe MARKet c ontext
as different implementation options are likely to be suitable for different types of market, it makes sense to consider the payments
landscape, both by industry composition and existing financial infrastructure, in which operability is to be implemented.
a2a interoperability provides the ability for customers to undertake direct credit transactions between mmo accounts and between mmo
accounts and bank accounts. therefore, it is reasonable to segment the market by to considering two dimensions corresponding to the
mmo and banking sectors.
For example, an approach to market segmentation might consider:
the number and concentration of mobile money schemes; against
the competitiveness and complexity of the retail banking sector.
this landscape categorisation is illustrated below:
MobIle Money
MArket
B. MUlTIPlE
Fragmented A. MUlTIPlE MMO SCHEMES AND
(more players) SCHEMES, lIMITED COMPETITIvE
NUMBEr OF BANKING
BANKS NETwOrKS
Concentrated C. ESTABlISHED D. ESTABlISHED
(few players) MMO SCHEMES, MMO SCHEMES,
CONCENTrATED OPEN BANK
PAyMENT
BANKING MArKET NETwOrKS
retAIl pAyMentS
Concentrated Competitive And bAnkIng MArket
Figure 7: Simple Categorisation of Market Types
38
