Orange Money Services in Senegal
Orange Money in Senegal offers a wide range of financial services through mobile technology, acting as a mini bank account for the unbanked population. With over 8 million mobile customers, services include cash transfers, bill payments, internet payments, peer-to-peer transfers, and more. Partnering with BICIS, Orange Money has 4000 certified agents and over 10 million registered users across Africa.
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Presentation Transcript
ITU Regional Standardization Forum For Africa Dakar, Senegal, 24-25 March 2015 ORANGE MONEY, FOCUS ON QUALITY OF SERVICE Laurent Marie KIBA, Head of mobile payments services Laurent.kiba@orange-sonatel.com
Market Introduction Market context : mobile penetration rate : + 100% S n gal Mobile Operators : Sonatel, historic operator drapeau%252520senegal Orange operates in several sectors like leader On mobile market share - fixed line On nternet On IP TV On mobile money Country recap - - - - 196 723 km2 Population = 14 M Currency = FCFA 8 000 000 mobile customers in senegal (2014) Banking service penetration rate : 10% Mobile Financial services :
A competition increasingly diversified and open-plan MTO OR MPO (cards) MOBILE MONEY Actual actors
From voice to datas from datas to Financial transactions in the mobile DATAS VOICE FINANCES 4
5 years of growth 2014 Lancement Internet payment 2013 2010 2011 2012 Bill payments Insurance payment International transfers Donaton Merchant payment Cash in Cash out Transfert P2P 1 800 000 registers 200 billions CFA transactions 1 000 000 registers 40 billions CFA transactions 800 000 registers 16 billions CFA transactions 600 000 registers 4 billions CFA transactions
Mini Bank account for all ! Orange Money Senegal acts as mini bank account. It is a virtual portfolio within the mobile phone for cash-in /cash-out / bill payment /internet payment/peer to peer transfer/merchant payment/ salary payment and top up essentially for unbanked (95% of the population) 4000 certified agents are operational. We work with BICIS, a BNP Paribas affiliate, as our banking partner. They are in charge of compliance, regulatory issues and money management. Across Africa, France Telecom s Orange Money currently has 10 millions registered users in Mali, Ivory Coast, Madagascar, Niger, Guin a... 6
Cash in Transfer Marchands payments Legs Cash out Internet payments Insurance International remittances
My money is available all time I can make transaction without contrainte customers Quality of services is crucial for mobile payments My responsability is engaged Money is sensible Hackers exist! operators I need to guaranty quality of payments My payment partner must be safe Partners loss of profit, complaints customers, loss agrement, image degradation, abandonment of service ...
Success keys to assure quality of service Technical partnership SMS and USSD priorisation for MFS Dedicated team for technical supervision Outsourcing plateforme to assure quality Real time execution Transactions tracking Plateformes providers with big MFS experiences Hotline priority (7days/week) B2B management Available reportings Easy to use Central bank agrement Team dedicated to partners
Success keys to assure quality of service Customers Hotline priority Agents solvability Real time payments and transfert Easy to access and use Transaction guarantee Marketing is the source of technical launch Costumer journey certification program
Thanks you 12 DMP/MKT
