Академический Документы
Профессиональный Документы
Культура Документы
P CM
YOUR GATEWAY TO THE WORLD OF PAYMENTS
Vol 1. Issue 7
Dec. 2015
Blockchain
awakens
amir@paymentsandcardsnetwork.com
duc@paymentsandcardsnetwork.com
The Payments & Cards Network team wishes you good reading!
002
Jordan Lawrence
CEO
Payments & Cards Network
003
Contents
thoughtleaders
spotlight
21
5
13
STORIES
5 Thought Leaders: Unlocking Wallet Payments in Sub-Sahara
Jide Akindele continues the series about the development of the mobile
payments industry in a promising part of Africa.
004
10
13
15
Aung Kyaw Moe discusses the e-commerce potential in Southeast Asia and
the reasons why the ASEAN powerhouse looks promising.
Mark Taylor gives us an insight into the perspectives and challenges of the
ever more relevant cryptocurrencies.
15
18
21
Spotlight: Toast
24
Hot Jobs
25
Events
By Jide Akindele
January 8, 2016
global
business
This is the fourth edition of Jide Akindeles
series focusing on the developments in the
payment market in Sub-Sahara Africa
SES S.A
005
MMIT, Mobile Media Info Tech, is a mobile payment processor with a mission to
revolutionize the mobile payment process.
MMIT focuses on the Sub-Sahara Africa market and partners with financial institutions
and international merchants to provide value added services to mobile wallet providers
and users. Please visit MMIT at www.mmitonline.com.
006
eCommerce
Africa Confex
commerce
Africa
Advisory Panel
EMILIAN POPA
VINNY LINGHAM
JOE OKLEBERRY
SIMDUL SHAGAYA
CAREN GENTHNER-KAPPESZ
DiGAME
Internet Strategist,
Naspers
CEO,
MIH/ Naspers
The eCommerce Africa Confex gathers 1500+ Exhibition Visitors, 70+ Sponsors & Exhibitors, 500+ Conference
Delegates and 90+ Guest speakers.
Connecting the regions leading merchants; major retailers; brands; developers; designers and eCommerce
experts, the summit is focused on exchanging inspired and innovative ideas, discussing emerging trends and
making lasting connections.
Organisers, Kinetic, have secured some of the best global solution providers who are ready to provide the African
continent with great products and services at the most exclusive and by far the largest Commerce gathering on
the African continent.
To get involved with the show, fast track your sales or even network with industry leaders;
Click here to get your free expo pass OR Register for a full delegate pass at 15% discount.
For general enquiries and/or information about sponsorship, contact marcia@kineticevents.net
007
Infographic description
Global investment in financial technology continues to increase exponentially, confirming that
fintech is on the rise. While the majority of funding has been dolled out to North America
and Europe, the most unmet need for innovative digital financial services lies in emerging
markets. The bottom of the pyramind (BoP) in regions like Sub-Saharan Africa lacks access to
traditional financial services, making consumers more open to new technologies. Many fairweather investors are reticent to engage entrepreneurs targeting the poorest members of
the population, which in turn, creates more value for those who do invest. Beyond the BoP,
Africas economic growth, increasing middle-class and Internet penetration makes her a worthy
candidate for investment. Contrary to the prevailing opportunity, less than 1% of private equity
and venture capital funding went to Africa in 2015.
To learn more about opportunities for investing in African fintech,
please visit www.mondato.com
About mondato
Mondato is a boutique consultancy specializing in the provision of strategic,
commercial and operational support across the mobile finance and commerce
(MFC) ecosystem. Established in 2008 on a foundation of years of experience in the
telecommunications, technology and financial sectors, Mondato possesses a unique
009
010
Financial infrastructure
Transaction Security
Logistical infrastructure
Logistics and ecommerce have so far
proven to sometimes be a mismatch for
Southeast Asian shoppers, as only a small
proportion receive free delivery. This
means shoppers are incurring logistical
costs that retailers would usually, in a
competitive market, help to absorb.
Southeast Asias landscape poses a
unique set of challenges that is slowing
the momentum e-commerce should
be seeing. These include late delivery,
damaged or lost packages, the prevailing
practise of cash-on delivery, lengthy
return procedures, and a lack of special
services such as trial or installation
particularly when given the geographical
barrier between buyer and seller.
In response, firms can either build
their logistics systems, or partner with
logistics companies. Chinas Alibaba has,
for example, acquired a 14.51% stake
in Singapore Post, which will spend
US$145 million on building a regional
ecommerce hub. Alibabas ecommerce
site AliExpress is seeing tremendous
growth across the region. Meanwhile
Uber has partnered LBC Express in
011
by
About 2C2P
2C2P (Cash and Card Payment Processor) is a leading Southeast Asian comprehensive payment services
provider, transforming millions of everyday payments across Asia. The company offers a number of services
tailored for the needs of ecommerce and mcommerce merchants, banks and financial institutions of any size.
012
By Mark Taylor
Dezember 24, 2015
pixabay
013
Mark Taylor
About PaymentsCompliance
PaymentsCompliance is part of ComplianceOnline. ComplianceOnline is the leading provider of business
intelligence for the gambling, payments and blockchain industries. We specialise in providing high
level and independent news, analysis, data, eLearning and research through our primary services
GamblingCompliance, PaymentsCompliance and BlockchainBriefing. Request your free 14-day trial at www.
014
A Roadmap to
omnichannel
payments
Juspal Manic is the Director of Specialist Services
function for the International Services segment
of TSYS, a leading global payments provider,
focused on enabling clients to optimise their
payments technology. Juspal has more than 14
years experience in the payments space and has
worked across multiple geographies in various
technology roles across the payments value chain.
Juspal Manic
What is omni-channel?
Director of Specialist
Services at TSYS
International
Put simply, Omni-channel as a concept is
a seamless experience for the customer
through a sales process or a process
in terms of making a transaction or
engagement, which could involve mobile,
web and or physical channels.
Omni-channel tries to force an
organization into having a seamless
approach. When you look at the origins of
that concept it dates back to the 2000s.
When mobile devices like smartphones
occurred a lot of retailers were in a
price war situation. At that point, certain
retailers realized that they cant compete
for price, so what they wanted to do was
change the shopping experience. Thats
why it became more about changing the
experience of the customer and thus,
becoming customer centric. Therefore,
the increasing usage of smartphones
has driven the omni-channel approach.
Obviously you also have the rise of apps
within the smartphone ecosystem and
then you also have the fact that were
more connected nowadays. Overall the
customer is the focal point of omnichannel, with the customer driving the
015
016
017
Infographic description
With this infographic, we wanted to highlight a significant growth in mobile phone usage, as it
has become a conduit for payment solutions worldwide, and leading this trend are users from
emerging countries.
The top five receiving countries, for money transfer and family remittance, are China, Philippines,
Mexico, India, and Nigeria. These countries have contributed to the big impact in the markets
numbers. Because the remittance market in the developing countries is among the most
expensive in the world, the mobile wallet industry has opted to become one of the most
advanced, with mobile phones penetration at an all-time high.
As a result of this trend, we have been able to observed a substantial growth in usage of mobile
phones, due to the growth of the mobile payment service, the actual number of mobile phone
owners, and the money spent in mobile apps and browsers.
About Paytoo
PAYTOO is a brand of PAYTOO Corp., a US Corporation founded in 1999. Since then,
PAYTOO has expanded its line of products and launched in 2009 the first mobile
solution to combine telecommunications and payments into one single account, the
PAYTOO Mobile Wallet. This unique mobile wallet offers not only an alternative to a
bank account, but also a complete range of financial services such as direct deposit,
money transfer, gift cards, bill payment, cell phone top ups, prepaid and virtual
MasterCard, paying a merchant, and its two newer products, the cardless ATM and the
multi-service profit center kiosk.
019
Spotlight
Think you have what it takes to start a business in
a super-hot market?
PCM takes a close look at some of the most
innovative and promising startup companies in the
payment industry.
Using Your
021
022
023
Hot Jobs
b
Solution Consultant
Paris
UK
Rotterdam Area
Payment Consultant
Munich
Germany
Munich
024
Senior C Developer
Solution Architect
Amsterdam
Amsterdam
Amsterdam
Events
025
Payments and
Cards Network
Driving Innovation through knowledge
Amsterdam Office
Herengracht 576
1017 CJ
Amsterdam
The Netherlands
Email: info@
paymentsandcardsnetwork.com
Tel: +31 20 3030 257
Fax: +31 20 8208 295