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Mobile Financial Services
The mobile financial services sector (MFS) continues to grow, driven by the implementation of more favourable regulatory frameworks in several markets.
Now offered in more than 60% of developing countries, MFS occupies a strong position in the financial sector of many developing markets. They are becoming a major strategic challenge for telecom operators seeking diversification, new revenue and increased customer loyalty, and also for governments and international development agencies, because they contribute to the financial inclusion of unbanked populations.
However, making a success of a project to launch mobile financial services is a challenge and profitability is a long-term objective: only 17% of Mobile Money solution deployments achieve their goal and a large number of active users (source: GSMA).
Identification of business opportunities presented by changes in regulations
Definition and deployment of a new Electronic Money Establishment model
Definition and implementation of a launch strategy for a Mobile Money offering
Optimisation of the Mobile Money-offering distribution network
Partnership Management
Development of a partnership model
Drafting and negotiation of partnership contracts
Assessment of new partnerships
Technical solutions for a Mobile Payment Platform
Research into opportunities for the deployment of an interoperable payment model
Assessment of options for the selection of an interoperable payment platform
Benchmarking of technical solutions, gap analysis and recommendations
Platform integration and management
Deployment project management
KYC (Know Your Customer) Management
Development of a subscription tool for a Mobile Money offering
Overhaul of the customer onboarding process
Research into partnerships with Fintech players
Organisation & Processes
Business process and organisation definition/optimisation
Research into the cost structure and optimisation plan
The key success factors of an MFS project :
A good time-to-market: it is only when a favourable regulatory environment combines with the explosion in mobile and digital usage that the conditions are met to launch a service
An optimised distribution network: both physical and digital, it must be designed, trained and objectivised for MFS
Strong technical expertise: the mobile experience is essential and relies heavily on technical options, both for the platform and the interfaces
Financial assets: partnerships are fundamental to securing essential assets such as banking licenses, human expertise, information systems and processes
Leveraging the brand and customer base: success requires a substantial mobile customer base and the brand must embody trust and data security
A diversification strategy valued and promoted at CxO level
Very High Broadband (VHB)
Communication networks are becoming increasingly essential for individuals and businesses. Facilitating the establishment of innovative and efficient networks is an issue of both competitiveness and regional development and is an essential means of access to information and public services.
At a global level, the Superfast Broadband rollout is one of the major projects currently underway. Its methods, and the maintenance of an effective pace, depend on the major challenges of innovation and economic attractiveness, as well as social and territorial development.
Deploying a very high broadband network is an investment that requires extremely thorough strategic and technical planning in order to achieve optimal profitability and accessibility. Our experts are able to advise on and manage designs and deployments at all stages of your project, from market research to network operation and the services marketing mix. We take care of dimensioning and quality throughout the life cycle of your VHB project, regardless of its maturity or stage of development.
Anticipate future uses and plan projects
Objectives: To understand the potential of the market and design the network that will meet both the strategic goals of the operator and the expectations of its customers:
Geomarketing research and market analysis
Network and service strategy and planning
IT and network master plan and technical architecture design
Scenario, feasibility, and budget analysis
Reduce risk by selecting the most suitable suppliers
Objectives: To define the procurement strategy and effectively manage RFPs to select the most suitable suppliers:
Sourcing and subdivision strategy
RFP/RFI specifications adapted to the relevant business sector (e.g. public sector)
Technical and financial analysis of offerings
Optimisation of the TCO
Support in negotiating and finalising contracts
Shorten the time-to-market and control costs
Objective: To efficiently manage the deployment of networks to ensure smooth and fast delivery with the highest quality of service
Swap project management
Field inspection of installation work by contractors
Revenue management
Transfer to operations
Acquire new customers and build customer loyalty
Objectives: To maximise the network quality of service (QoS); to analyse and adapt the services marketing mix:
Analysis and optimisation:
service catalogues, distribution
operations and maintenance
End-to-end QoS
Network adjustment
The key success factors for the deployment of very high broadband:
Anticipate monetisation of services early in the project
Assess geographical areas according to their business potential
Strike the economic balance between a new deployment and reuse of existing assets
Communicate with local elected officials, populations and building managers to obtain the necessary authorisations without delay
Secure supplies
Reduce time between the order and service activation by implementing production and sales information systems
Train teams on proven methodologies
Propose regulatory changes that encourage the development of new services
E-Government
All over the world, governments continue to invest in digital transformation initiatives to optimise public service costs, reform their administrative processes and improve the quality and efficiency of the service provided to their users. They are developing dematerialised public services, mainly in the areas of e-learning, e-working, e-health, e-environment and e-social protection. Their objective is to improve public services, democratic processes and public policies."
The digitisation of public services requires a strategic vision, governance and the acquisition of human capital to implement them.
Implementation of long-term transformation through the motivation of public officials and citizens’ ability to use new services :
• Definition and implementation of communication initiatives with public officials and citizens
Identification of digital skills to be honed, implementation of training programmes
Digital Innovation
An exemplary customer experience is a source of differentiation, additional revenue and customer loyalty. This experience must factor in all the contact channels offered to customers and take advantage of the opportunities that digital solutions present to improve the customer experience and reduce costs.
Given that 2/3 French customers encounter difficulties moving from one channel to another, the strategy and objectives of each point of contact must be defined upstream.
There are many digital touchpoints and they are becoming crucial components of the customer journey.
They are divided into 4 types, and mastering them is a key success factor for your digital development:
Owned touchpoints: For interaction with your target market
Managed touchpoints: For sharing
Digital media: For communication
Rest of the web: For listening, influencing
Sofrecom supports you with a personalised approach to your business, from strategy and operations execution to continuous improvement.
Digital strategy
We ensure integrated digitalization to your existing, efficient and sustainable.
Research into opportunities, audits and strategic recommendations
Support in designing digital systems
Operational implementation
Increased web traffic
From audit and recommendations to optimization, the experts of Sofrecom accompany you in every step to achieve your goals.
Maturity audit and implementation of a POEM customer acquisition plan
Generation of qualified leads
Community management and content creation
SEO and mobile optimisation
Digital customer relationship
Sofrecom experts are working to identify and design an efficient digital journey. They integrate the digitalized journey into your existing channels of contacts to promote user autonomy and bring a real added-value.
Definition of a digital customer relationship strategy and associated customer contact policy
Support with assisted digital development (chat, messaging, social networks, etc.)
Implementation of new contact methods: chatbots, voice assistants, etc.
Development of agile web and mobile applications
Sofrecom has experts services centers for platform and application development. They provide an end-to-end service.
Rapid prototyping of new digital journeys (schematic models, animated prototypes, etc.)
Setting up an agile digital product development team (One Roof team, Design Thinking methodology, SCRUM, etc.)
Scaling-up and industrialisation within our service centres
Operationnal Excellence
In the face of increasingly demanding customers in terms of speed, service and quality of experience, as well as developments and innovations, it is essential for companies and institutions to continue to develop new services and to maintain the quality of current services. Telecoms operators and governments face 2 major challenges:
- Increasingly demanding customers in terms of speed, service and quality of experience
- Advancements in technology and innovation
Therefore, despite the reduction in ARPUs or available budgets, it is essential for them to continue to invest in new services while maintaining a differentiating quality user experience.
Reducing the costs of existing IT and network infrastructures, optimising investments and reducing energy bills are all avenues for freeing up investment capital.
We offer you a highly operational approach in order to meet these 2 challenges:
Development of an optimisation strategy
Audit of infrastructure and current costs
Identification of the most relevant sources of savings
Optimisation recommendations
Quick-wins and longer-term projects
Estimations of potential earnings
Management of the implementation of recommendations
Optimise your investments: thanks to optimised technical design (the ‘right-sizing’ approach) and our knowledge of market prices, we will enable you to achieve your business objectives while optimising your costs.
optimising your current network and IT infrastructures: achieving an optimal design, reconfiguring and reviewing equipment with a view to replacing certain obsolete equipment with more economical and reliable models are all avenues that we will explore with you to reduce your maintenance and operations costs while improving the customer experience
Optimise your energy expenditure (which may represent up to 80% of your ITN opex) by optimising the cooling system of your data centres, decommissioning unused equipment, or using renewable energies
IoT
Take advantage of new growth drivers by harnessing the power of connected objects. Revenues from mobile IoT and LPWA connections are expected to reach nearly $201 billion by 2025. Given that companies already consider telecoms operators among their top 3 preferred suppliers, this segment represents a growth driver with very high potential for Telcos, provided that they find the right positioning.
To help you meet these challenges, our experts work on 3 key areas:
Evaluating the potential to define your positioning
Analysis of the market, competition and regulatory environment
Research into opportunities
Business Plan
Choosing the best network(s) for the services offered
Research into technological opportunities and prototypes
Network design and dimensioning
Selection and integration of platforms
Deployment
Developing IoT services for your customers
Product development and launch
Integration of applications dedicated to business sectors (logistics, transport)
Distribution and go-to-market
Related solutions: invoicing, data analytics
Our partner ecosystem: Live Objects from Orange Business Services, Actility, OCEAN, Business Insight, Opencell
Our solutions
Modelling, Regulation & Distribution 
Partnership Management 
Technical solutions for a Mobile Payment Platform
KYC (Know Your Customer) Management
Organisation & Processes 
Anticipate future uses and plan projects
Reduce risk by selecting the most suitable suppliers
Shorten the time-to-market and control costs 
Acquire new customers and build customer loyalty
Build an e-government vision aligned with your public policies:
Build the foundations required to digitise public services:
Deploy the solutions :
Manage change and build capacity:
They are divided into 4 types, and mastering them is a key success factor for your digital development:
Digital strategy
Increased web traffic
Digital customer relationship
Development of agile web and mobile applications
Development of an optimisation strategy
Management of the implementation of recommendations
Evaluating the potential to define your positioning
Choosing the best network(s) for the services offered
Developing IoT services for your customers