Bill Payments is a type of mobile financial service that have been deployed by a number of mobile operators. The service is typically implemented as an ‘over-the-counter’ service in which an agent performs the transactions on his handset or as an ‘m-wallet’ based service in which the customer performs the transactions on his handset.
Bill payments have been implemented by a number of deployments, including Thailand’s True Money, Pakistan’s easypaisa, and Ghana’s MTN MobileMoney.
In this section we highlight articles, blog posts and other resources that operators might find useful when researching this topic.
1. Case Studies
True Money and M-PESA: Two Unique Paths to Scale
Author : Paul Leishman, GSMAThis case study compares Thailand’s True Money with the industry’s best known success story, M-PESA. Launched in 2005, True Money has scaled mainly on the back of its bill payment service. This case study describes how True’s scratch cards, e-wallet and 8,000 True Money Express agents are used to process True Group bill payments, third party bills, and prepaid bills from niche issuers.
Three Keys to M-PESA’s Success: Branding, Channel Management and Pricing
Author : Ignacio Mas and Amolo NgWeno, The Bill and Melinda Gates FoundationOn page 3 of this case study on Safaricom’s M-PESA, the authors detail how Safaricom’s bill payment service works, including fees, customer process and limitations. A comparison to Airtel’s Zap is provided on page 18.
Bill Payments: A conversation with True Money, Grameenphone, and easypaisa
Author : Seema Desai, GSMAIn this recorded panel sessions, Seema Desai interviews representatives from Grameenphone (Bangladesh), True Money (Thailand), and Telenor (Pakistan) to uncover insights on each of their unique bill payment services.
1. Why did you decide to go to market with Bill Payments rather than some other service like P2P?
2. What are the pros and cons of OTC bill payment transactions?
3. Do you charge your customers to pay bills?
Insights on Grameenphone’s Billpay: the Market, Model and Agent Value Proposition
Author : Paul Leishman, GSMAIn this blog post, Azad Delwar Hossain, Head of Financial Services for Grameenphone in Bangladesh, provides a comprehensive overview of the BillPay model.
