Recently I caught up with Azad Delwar Hossain, Head of Financial Services for Grameenphone in Bangladesh. Grameenphone launched a service called ‘BillPay’ in 2006, which allows customers to pay utility bills over the counter, or through an e-wallet. In this interview, Azad provides insights into all aspects of their model, but key three insights emerge that all operators deploying payment offerings should consider:

1. Ensuring right commission spread and loyalty of channel partner
2. How market conditions impact business models
3. The importance of trust