Worldwide Mobile Money Modernisation & Monetisation


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Presenting latest strategy-rich modern business roadmaps for mass adoption followed by monetisation strategies in mobile money — Payment, Commerce, Banking, and Retail Markets, Worldwide between 2018—to—2025.

Banks have diluted ‘The Sandbox Model’, Operators must find New Potential Ways to stay Innovative & Relevant.

“Accelerate without ‘Accelerators'”



100+ Alternatives 

80+ Modern Cases/ Methods
55+ HyperGrowth Models

60+ Analysis
200+ Critical Observations & Recommendations

With 1-Year Support.


Changing times are often interpreted as bad times. Changes can threaten a working business because some of the pre-existing precious matrices, formulas, and models may no longer be applicable or embraced. A similar situation is faced by the mobile money industry today. While executives struggle to make sense of one opportunity, a brand new list of multiple opportunities come out calling for attention. Add to it the outer accoutrements, pressures of (returns on) investments. . . the intermix of opportunities has left executives with utter confusion and ambiguity. This is bad for the industry.

Modern Mobile Money 2025 (a.k.a. Worldwide Mobile Money Modernisation & Monetisation in Retail, Commerce, Banking, & Payments 2018-2025), the latest research by ResearchCA looks “through” more than “at” the state of the things. By applying critical — contrarian perspectives, bottom-to-top strategies, for example the research educates in the language of patterns, forces of nature, & accomplishments. So much that you understand and use positive constraints to achieve perceived growth & results.

The readers of this research will welcome change because it represents opportunity, not threat. Change is essential for dramatic growth to be possible.” —A. Bard, Director of Research.


During the final legs of the program, we undertook 5 Mobile Operators, 3 Banks, 6 Fintechs as Test Pilots. From Britain’s biggest Mortgage Lender to Spain’s aspiring Modern Mobile Money operator; an Indian Wallet company to brand new Insurance Start up —this research has already helped these companies (& their partners) save more than $650 million in revenues.

Shares of one UK Bank climbed 2.77pc to 69.49pc by putting to use our vendor recommendations, strategic new market introductions, and customer uptake strategies. A European bank was advised over a business conglomeration instead of meaningless toil. A move that will lift its share to 28pc from 16pc by end of the 2nd quarter (’17). A wallet company in India has preponed its launch plans; and our researchers are guiding them right now, as we write this, with sourcing of funds and achieving 100% compliance.

Moreover 8 biggest Mobile Operators, 3 Banks, & near a dozen FinTechs are selectively using our research recommendations for fresh launches across 9 different countries. The hypergrowth models (ch.4) that we have construed (50+) are helping Indian government with post demonetisation recovery; & also 1 independent key regulator in drafting future compliance & policing for local service providers.

Also 3 International Universities —who we assisted on pro bono basis, have adopted our ‘modern mobile money’ research program in academic learning, starting September 2017.


Modernisation (Methods,Technologies, Services, & Experience) will contribute over 85% to the total $1150 billion mobile money revenues (net) expected to generate from Mobile Payments, Commerce, Retail, & Banking platforms by 2025″. This includes both existing as well as tentative conventional + contemporary mobile money subscriptions expected to happen between 2018 & 2025.

All those too slow or despondent to this change will struggle for survival. And those well prepared or adaptive will inevitably take the early lead and end up making most of this once in decades — multibillion dollar opportunity”.

Implying most of the infrastructure, standards of servicing, business modelling, & harnessing will have to be ‘upgraded’ to tick with end-user expectations of an overall modern experience by 2025. Essentially, users anticipate their service providers to proactively scale up from their current levels of services, both quantitatively & qualitatively.


‘Modern’ is transition from the past way of doing things. An Improvement. An upgraded experience in the wake of rising expectations, new times, changing perspectives, & lifestyles. Conceptually thus ‘Modern Mobile Money’ would be an enhanced form of organic mobile money that allows integration with systems of other industries, meets expectations of the retail and commercial/ corporate end-clients, and outperforms on end-user experience.

For easy grasp, we have divided a ‘Modern Mobile Money System’ into 2-facets & 3-target area nodes: 1. Modern Frontend 2. Modern Backend; and 3-Target Area Nodes: 1. Modern Infrastructure. 2. Modern Services. 3. Modern Execution.

Giving more to customers than they can chew; richer options, omnipresence, a truly gratifying end-user experience.. . . illustrate “A Modern Frontend”. An extremely responsive, flexible, & safe system, open to partnerships/ creative conglomerations, & like. . . .represent the 2nd facet: A Modern Backend.

Modern Infrastructure points to systemic (business) environments; accessibility, safety, partnerships, end-user experience, technological advancements (r. “expansive outreach, feature-rich enablements, PCRF, billing, delivery, etc.”).

Modern Services are the rallying revenue platforms/ opportunities e.g. retail services {goods, transactions, top-ups, etc.}; payment services {billing, wallets, cards, rewards, etc.}; banking services {lending, depositing, insurance, etc.}, & commerce services {wealth management, trading, B2B, wholesale, etc.}.

Modern Executions reflect “goal-oriented” planning & fulfilment, e.g. on-demand growth, push for revenues (ATPUs, etc.), fast onboarding, customer polarisation & consolidation, market-share growth, new investments, 100% compliance, “awesome end-user experience”, etc.



{Across mobile payments, banking, commerce, & retail 2018 to 2030.}




{Goal-Oriented, Multi-Roadmap Modern Business Frameworks, Niche Navigation, and Executions.}



{Advanced business conglomeration for enhanced market share & revenues. 2018 & beyond.}

CHAPTER 5.0.    


{Live Projects: “Selected” Modern Mobile Money Profiles to suit your market positioning & investments.}



{Opportunity Analysis & Forecasts 2018 & Beyond.}


CHAPTER 7.0.      


{Conclusions, Recommendations, & Protentions for 2025 & Beyond.}




Q1. MNO Resolve— Resolution to threats imposed by Banks—FinTechs—TechGiants on MNO Mobile Money Businesses? What are some Conventional, partly-Modern, and fully-Modern Gateways available to Operators for effective Monetisation —via Modernisation? Who so far have best handled the threat?

Q2. ‘Sandbox Model’ Not Yielding! How can Operators stay Relevant & Innovative amid “Sandbox Model Crackdown”? What options do Operators have apart from the Sandbox Model (& Partnerships)? How can the supply of innovation be continued with far-shorter turnarounds opposite to Traditional Models? Outmanoeuvring & Validating Results of (your) Incubation Labs? Know when a ‘Sandbox Model’ will not yield? Alternatives to Sandboxes?

Q3. FinTechs— Making a dream Debut? How can new FinTechs gain sufficient exposure in the absence of any strong backing or brand behind them? Choosing Partners: Learning the morals & perils of Partnerships?

Q4. Banks, their Vulnerabilities— Best of the ‘Bank & Company’ Initiatives, Worldwide? Gaps in “their” Achievements? How can Payment Banks exploit “those” Gaps; Pound upon their leverage; and woo their customers?

Q5. World Economies Vs. China— What China hints at? How can Governments proliferate Investments w.r.t. Mobile Money Adoption, the way Chinese are doing? Decoding next Modern Frontiers China looks to dominate?

Q6. Leverage High-Tech “Sister” [Payment/ Commerce] Technologies— Establish as an early mover and make “most” of the Opportunity? Recalibrating from Infra —to front-ends for broader business scope & prospect? Unlocking access to Adjacent Markets via enabling single/ multi window [pan-global] channels of Innovation, Best consumer experience, & Revenues? Learn how “Living Beings” will pay in 2025!

Q7. What is so difficult about monetising Mobile Money —Or How easy it can be?

Q8. Breakthroughing the Chasm States— Stuck? Not getting enough momentum? Looking for a pump-up. . . a quick makeover? Preparing to revolutionise your market presence, relevance?

Q9. Vendor Planning & Selection — Plan Portfolios? Learn to Deal with the most desirable vendors of the most desired Modern Technologies? Get Capital/ Operational Cost estimates? Get Recommendations?

Q10. MarketShare Bolstering, Investment Catalysis, & In-Direct Growth— Setting-up business plans for the most bullish Mobile Payment, Commerce, & Retail Business opportunities —for Indirect Growth? Navigating niches, Adjacent market access —for additional influence & revenues?

Q11. World Compliance Comprehension— Comply 100%? Inculcate “New Enablements” seamlessly while learning from “others’ mistakes”? Using Modern Techniques toward effectively meeting standards; and saving on huge Indirect Costs (fines for not meeting compliance, fx)?

Q12. Options Available To Small Players— What are the Options available to Small Players [Tier-2/3; N.Operators/ Banks/ FinTechs]? How selective or adaptive can they be in the wake of this “large fish monopoly business”? What’s the size of the pie —the market opportunity & interesting areas —available to them? Case Studies?

Q13. Modern Mobile Money Devices— Roles devices are playing -or can play? Who’re making most of the ‘mobile money revolution’ via devices? What are those devices?

Q14. Wallet Execution & Future— Theories of Integration, Implementation, and Systemic Security advancements? Comparison of the impact of Mobile “Device-Centric”, “Bank-Centric” and “Merchant-Centric” wallet models on consumer adoption? Security considerations & Fraud control for myriad wallet solutions? A Research panel discussion on whats going on, How circumstances seem to evolve ahead; the take of the Academia; with Recommendations (direct) from the key stakeholders involved?

Q15. MFS Modernisation— MFS-Basic to MFS-Modern Transition, Business Model Transformation, Implementation, & Promotion? Agent Network Dynamics + Incentivisation & Optimisation: Tapping Agent Networks & Proximity more effectively?

Q16. HyperGrowth 2.0. + Modern-MFS Innovation in Payments, Lending, & Insurance— Adapting Modern Ideas, Principles, and Frameworks around Regtech, Vertical-tech (proptech, lawtech, etc.), and Social Inclusion? Roadmaps beyond Payment Bank licence? Pulling off Modern— Insurance business? Using Parallel/ Skew/ Perpendicular Inno-Models for HyperGrowth?

Q17. Short Term, Medium Term and Long Term “Modernisation” Strategies that will help Operators ensure 20%-45% of their total Revenue via Mobile Money Businesses?

Q18. Recalibrating/ Tweaking “Front” as-well-as “Back” ends for Omni Commerce, Retail, Payments, & Banking abilities’?

Q19. Modern Security— How Modern Technologies (digital identity, &c.) are being used for real-time fraud control?


*The detailed table of contents will be made open to general public after “18th August, 2017”.

**The report until this date will remain accessible only to our existing/ privileged customers.

***You can however register your interest by writing directly to editor (at) researchica (dot) org.

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