Mondato has been active in mobile financial services since the early days, when the term MFS was yet to be coined, and the main services only included mobile money and premium SMS.  With experience contributing to the evolution of the industry and its players, Mondato has engaged with each of the key MFS sectors on a global scale.

#### m-Commerce

Mobile commerce technologies are rapidly evolving, and today’s most exciting trend might become obsolete tomorrow. The Mondato team strives to stay ahead of the curve, and anticipate where mobile commerce models and technologies are headed in the future.

Some trends on our radar:

  • Contactless mobile payment security
  • NFC vs. alternative technologies
  • Biometric m-payment authentication
  • Card-present vs. card-not-present at the point-of-sale (POS)
  • Cross-channel convergence

See what we’ve written about mobile commerce in our media portal (coming soon!)

Interested in speaking with a member of the Mondato team? Contact us.

#### Global Value Transfer
Since developing our interactive remittance portal, Mondato has emerged as a thought leader in international money transfer. Increasingly, global remittances are converging with digital financial services, and we are uniquely positioned at the intersection of these two spaces.

Some trends on our radar:

  • Mobile money remittances cash-out
  • Added value of digital channels to remittance providers and recipients
  • Intersection of social networks and remittances
  • Convergence of diasporas, remittances and entrepreneurship
  • Relationship to crowdfunding

See what we’ve written about global value transfer in our media portal (coming soon!)

Interested in speaking with a member of the Mondato team? Contact us.

#### Mobile Payment Regulation
The question of how best to approach the regulation of mobile payments in the fast emerging field of mobile financial services (MFS) is a “hot” topic among regulators. Mobile money is at the cutting edge of an industry transformation where new regulatory models may be required in order to protect consumer interests while still embracing and promoting innovation. This presents regulators with a unique opportunity to revisit existing regulatory structures in order to develop an integrated strategy, moving beyond traditional sectorial mandates. Those who can correctly balance the competing interests of MFS stakeholders will be well positioned to address the regulation of broader industry evolution, thereby driving national and global development, and increasing financial inclusion.

The successful implementation of an MFS regulatory framework requires legislation that carefully balances innovation, consumer interests and financial stability.  Many of the factors that affect this framework are country specific, and include:

  • Existing Regulations and Constitutional Framework
  • Regulative Philosophy
  • Market Competition
  • Political Climate
  • International Obligations

Previously, industries rarely overlapped, leaving specific industries with their own regulatory framework.  But now, with the MFS transformation, there is a need for a new institution-agnostic regulatory model to account for the convergence of industries.  In particular, regulators and industry stakeholders are championing a regulatory model based on risk mitigation to minimize the specific risks inherent in the provided services rather than focusing on the provider.

By pursuing a proactive, properly informed and well-timed approach to mobile financial services regulation, the right conditions will be in place to ensure a thriving industry and thus the achievement of national policy goals.

See what we’ve written about mobile payments regulation in our media portal here.

Download our Executive Briefing entitled Regulatory Models for Mobile Money here.

Interested in speaking with a member of the Mondato team? Contact us.

#### MFS in Emerging Markets
Though mobile financial services are expanding globally, some of the most exciting opportunities are in emerging markets, where mobile technology has grown exponentially in recent years. The Mondato team has years of experience working on the ground in emerging markets, through which we have acquired a nuanced skill set and expansion network of industry contacts.

Some trends on our radar:

  • Alternative mobile financial services for the unbanked: savings, credit, insurance
  • Leveraging mobile data for financial inclusion
  • Convergence of mobile money and other M4D sectors (mAgriculture, mHealth, mEducation, etc.)

See what we’ve written about MFS in emerging markets in our media portal here.

Interested in speaking with a member of the Mondato team? Contact us.

#### Mobile Banking
The banking sector is increasingly seeking ways to integrate new technologies, from mobile to online channels, in order to enhance the consumer experience. Customers each day expect more from their bank, and balance enquiry will not suffice. With decreasing margins banks are looking for new ways to grow revenue as well and adding new service is the ticket. As mobility becomes more and more important in personal finance and payments, financial institutions must educate themselves on how to adapt and remain competitive in this new mobile revolution.  These developments are not only related to B2C commerce, but also through retailer management.  Mobility offers banks unlimited opportunity to collect information and establish them as a permanent part of the mobile value chain.

Some trends on our radar:

  • Cross-channel and omni-channel banking
  • mPOS (mobile Points-of-Sale)
  • Mobile wallets and loyalty programs
  • Personal banking
  • Interconnection with social (something about Moven)
  • Coupons and discount integrations directly with the bank account
  • Big data

Interested in speaking with a member of the Mondato team? Contact us.


**Through market intelligence, analysis and planning, Mondato helps businesses make the most of their human, technical and financial resources **in order to:

  • Achieve their objectives and accelerate growth and development
  • Meet industry challenges and maximize shareholder returns
  • Structure their business to align with global market changes
  • Successfully invest in MFS