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Home Blog Page 7864

[Confirmed] Google Extends the Paid Reach of Android Market To Nigeria and Most African Nations

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Mobility broke the news today that one of its contributors was able to buy Android App with Nigeria bank issued naira denominated credit/debit card. They captured a user, Karmawa, who actually did make a purchase with evidence of completing the transaction. The really good part is that you can price the product in naira.

 

So, paid Android apps are within the reach of Android developers like our parent company, Fasmicro. They are having a meeting now on a change in strategy, considering that they plan to build a local app store on Android. Yet, that will still happen since not many Nigerians have access to credit cards or Google checkout that will be needed for the apps purchase.

 

Fasmicro will put the apps in the Android store as early as next week. And the apps store will be up within a week (the team has finally decided to remove 3 apps for the Google App Challenge).

 

Google is coming late on this game. But we are happy that it has arrived. As the market share is estimated to continue to increase, it will be unfair to keep Nigerian developers out of this domain. Blackberry and Nokia have been doing this for ages in Africa. In Kenya, especially, Ovi is pretty common.

 

This is the official press release from Google on this giant progress

 

Support for paid Android apps to consumers in 26 new African countries

 

12th May 2011 – Today Google announced that Android Market will increase consumer access and developer support for paid applications in several new countries. From today, consumers from 99 new countries – including 26 African countries – will be able to purchase apps from Android Market. This latest expansion of Android Market means more applications – including games, social, and productivity apps – for consumers and more selling opportunities for developers in more countries.

 

Over the next few days, the number of countries where Android users can purchase priced apps will increase to 131 including the addition of South Africa, Kenya, Uganda, Senegal, Ghana and Nigeria. Consumers from these newly supported countries will have access to over 200,000 free and paid apps in Android Market, which they can access directly from their Android-powered device.

 

Android Market was launched to help developers distribute mobile applications on a level playing field, while enabling users to find and download apps which leverage the unique capabilities of the Android platform. Today, we’re pleased to announce the expansion of Android Market’s offerings in these additional countries to deliver more apps for more people.

 

A full list of countries can be found here: https://www.google.com/support/androidmarket/developer/bin/answer.py?hl=en&answer=138294

(Nigeria is in the list)

 

 

Yo! Is Mobile Money Version of Yahoo! – Ugandan Leading MM Aggregator

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We actually thought that this was a Yahoo! division. No, it is purely an Ugandan payment company. It plays in the domain of mobile money.

 

Yo! Payments is a mobile payments aggregation service. Yo! Payments enables businesses to conveniently receive payments from their customers via mobile money, as well as make mobile money payments to any  mobile money account holder.

 

Value Offered
• Convenient Handling of Large Number of Inbound Payments
• Convenient Handling of Large Number of Outbound Payments
• Secure Web-Based Access to Account
• Multiple Security Features Such as Sub- Accounts with Limited Access, Withdrawal

• Freely available API for Website / SMS integration

• Designed to interconnect Multiple Mobile Money Providers. Enables businesses to receive payments from multiple mobile money platforms through a uniform interface.
• Multi-Currency. Yo! Payments is built to function with multiple currencies, enabling businesses to receive payments from foreign customers.

 

Features
• Send and Receive Mobile Money
• Multi-Currency Support
• Internal Transfers
• API Integration
• Email Authorization for Withdrawals
• Sub-Accounts
• Withdrawal Limits
• Access Control and Audit Trail

Mobility and Telecoms: International Alliances and Deals – MM Report

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This is a fairly comprehensive deals in the telecoms and mobility industry in recent months.

 

Zimbabwe operator NetOne is deploying digital security fi rm Gemalto’s LinqUs solution for Mobile Money Transfer. The off er, being marketed as the OneWallet service, works on 100% of the handsets and will enable all NetOne subscribers to perform secure and convenient money transfer using their mobile phone. Subscribers can make secure and easy peer-to-peer money transfers, pay every-day bills and top up their prepaid phone cards. NetOne’s customers can have their salaries paid directly onto their phones – a feature that greatly empowers the unbanked with a secure and convenient digital wallet solution.

 

NetOne also intends to work with the Government of Zimbabwe and Pension Fund schemes to allow the OneWallet to be used for pension payments and thus remove the need for traveling long distances for purposes of collecting pension payments. Gemalto conducts Mobile Money events in countries such as Ghana.

 

Bangalore-based value-added services provider OnMobile has announced a partnership with Starfi sh Mobile, a leading content aggregator, to off er ring back tones (RBT) and interactive voice response (IVR) to mobile subscribers in Africa.

 

Under the agreement, Starfi sh Mobile’s content would be deployed on OnMobile’s RBT & IVR technology platform, enabling telecom operators in the African continent to off er innovative music services to their subscribers, the company said in a statement today.

 

Starfi sh Mobile International has operations in 21 countries in Africa, and has announced relationships with operators like Vodacom, MTN, Tigo, Zain (now Airtel Africa), Qtel, and Warid. It has partnerships with over 65 diff erent content suppliers, covering Text based Information on Demand, Wallpapers, Ring Tones, Games and Applications, and Video.

 

Starfi sh also has partnerships with the likes of the BBC and German media company Deutsche Welle. The OnMobile partnership allows Starfi sh to leverage its relationships with content partners and telecom operators to off er RBT and IVR services. In Africa, OnMobile has deployments in Tanzania and Egypt.
Deutsche Welle is now off ering a new text messaging (SMS) news service for its listeners and users in the Republic of Tanzania. The initial launch will focus on text-based services in Kiswahili covering news from Africa and around the world as well as sports-related services. In order to disseminate content to the widest possible audience, multiple language services and products will follow the fi rst phase of launch. Deutsche Welle’s Kiswahili service is among the most popular radio programs in

 

Tanzania. Around 70 percent of Tanzanians are familiar with Deutsche Welle and 33 percent are frequent listeners of the Kiswahili program. Deutsche Welle has appointed Starfi sh Mobile East Africa Limited as its technology provider in Tanzania, where the broadcaster will have the opportunity to deploy mobile services in the Kiswahili language to more than 19 million subscribers from the Vodacom, Tigo and Airtel mobile networks.
With a current audience reach of nearly 90 million around the globe, Deutsche Welle is aiming to widen its reach in countries like Tanzania, where Web penetration is low. By making news services available through mobile technology, subscribers will be able to access news updates. Deutsche Welle viewers and listeners also have the opportunity to view and listen to television and radio programming via mobile.

 

“To some extent, mobile phones have succeeded in an area where the Web has struggled,” according to Naser Shrouf, Deutsche Welle’s Head of Sales and Distribution Africa and Middle East. “Mobile communication has made it possible, both in aff ordability and accessibility, for people who are in the most remote areas to communicate not only with family, friends and colleagues, but also to be a ‘voice’ in current events by interacting in polling and comment activities via SMS,” according to Reshma Bharmal-Shariff , Managing Director of Starfi sh Mobile East Africa.

 

Alcatel-Lucent has its contract renewed with Etisalat Nigeria.

 

In other deals, Bangalore-headquartered Subex has been chosen for a $12 million licence contract by a mobile group operating in Europe and Africa to implement its Revenue Operations Center (ROC) platform for fraud management and revenue assurance. ROC fraud management is built to help CSPs (Communication Service Providers) move toward fraud prevention by eliminating known frauds, reducing freerun time, augmenting internal controls and continuous fraud management process improvement. ROC revenue assurance also assists an operator with its investigation, diagnosis and recovery of these revenues.

 

Sources: Tekedia,  Mobile Monday, ITU

 

 

Mobile Money Transaction Cost in Uganda – Up To 10%

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African regulators must step up and be ahead of the mobile money players. The transaction cost is really high. Some people that signed for Nigeria are already watching that cost.

 

The plot above obtained from Equity Bank Uganda shows that customers that engage in lower transactions can spend more than 10% on fees for mobile money. As the value of the transaction increases, the costs drop.

 

Nigerian authorities must stay ahead of these costs and not be reactive. We cannot afford a repeat of the golden days of MTN where they cleaned the people with fees. We also have to look at encouraging group transaction, if permissible,  as volume reduces  costs.

Uganda in The Age of Mobile Money – Equity Bank Report

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Courtesy of a report, done by Equity Bank, made available to Tekedia , we are happy to provide where Uganda stands today:

 

  • Three telecoms are engaged in MM services in Uganda since Q1 2009
  • Approx. 1.5Mn subscribers since inception with > 1000 transaction points countrywide
  • Ugx. 3Bn transferred per month

 

Market status

  • Population of 33M; 9M registered mobile subscribers – 27%
  1. Banking penetration (5M bank account holders) – 15%
  • Bankable population: 18M
  • Young Population; 80% employed in non-formal sector
  • Purchasing Parity – $1,300 (Est)
  • 90% of existing money transfer agent revenues from international transfer

services; local transfers are hugely untapped

  • 3 existing Mobile Money products not providing full banking services
  • No inclusion of MM subscribers to the regulated financial sector

 

Market Requirement

  • Mobile Money Agent outlets do not have sufficient float – multiple visits

required to replenish

  • Higher thresholds– Ugx 1,000,000 too low for businesses
  • Need lower cost micro payment – existing money transfer services too costly
  • Combination of benefits of mobile money with those of normal account (egcash through ATM/branches, transaction history)

 

 

Current challenges of m-money

  • Financial dis-intermediation is occurring
  • Responsibility of reconciliation abdicated by e-money issuers
  • Transaction costs are too high for majority of transactions (Rule of 2%)
  • Closed loops hold back overall growth
  • KYC requirements are restrictive at levels of low risk