Commerce Programme – Project Director, GSMA
- What activity is the GSMA undertaking to ease
service manager complexity to reduce time, cost and efforts for SIM-
Simplification of the on-boarding process is a key priority for
mobile operators. In 2014/15 the GSMA is working alongside mobile
operators to collaborate with card schemes, TSM providers and the
mobile commerce ecosystem to simplify the NFC technical ecosystem.
We are particularly looking at simplifying the TSM to TSM process;
standardizing the over-the-air approach for service providers; and
streamlining the deployment processes through recommending standard
options for SIM implementations.
Simplifying the end-to-end process should lead to less complex and
more interoperable solutions, expediting the deployment of SIM-based
- What steps do you think MNOs should take to
successful in the mobile payments and commerce industry? Do you think
collaboration and industry partnerships are important?
Collaboration is key to the success of the digital commerce
ecosystem. No single group of stakeholders has the assets required to
be able to offer an end-to-end proposition. As such, collaboration and
industry partnerships between stakeholders with different assets and
capabilities will create and enable a secure, seamless and intelligent
While different priorities and expectations of banks and mobile
operators have previously caused delays, in many markets banks and
mobile operators are now working closely together to deploy widespread
services. The GSMA, alongside mobile operators, continues to
proactively engage and request feedback from vendors and service
providers, applying this to newer and more effective ways of working
- What is your vision for common activities between
GlobalPlatform and GSMA in the next three to five years?
From the GSMA's perspective, we envision working closely with
GlobalPlatform to address the many known and unknown challenges in
For example, certification of digital commerce products and services
is too complex at present. By combining the expertise and experience of
GlobalPlatform and the GSMA, we can work to develop common views for
the wider industry.
As more internet players become involved in digital commerce
products and services, we may see the emergence of closed systems.
However, both GlobalPlatform and the GSMA are committed to open
specifications and standards. We will work together to encourage the
continued growth and use of open standards to ensure a competitive and
innovative ecosystem for NFC products and services.
The industry is moving quickly, with new disruptive technologies
enabling new ideas. Together GlobalPlatform and the GSMA will work
together to explore how these technologies can complement existing
deployments and technology processes, to enhance and expedite digital
commerce products and services for consumers around the globe.
- What are your predictions for the mobile commerce
over the next 10 years?
Firstly, a key element in enabling a digital commerce service via
the mobile device is identification of the user and secure
authentication of their transaction. As such, digital commerce provides
potential for the monetization of operators' digital identity
Advancements in mobile commerce will not be limited to developed
markets. Emerging markets are quickly catching up, innovating faster
than mature markets and progressed based on the needs of their
consumers. We expect to see an increase in mPOS platforms in emerging
markets that could potentially bring an array of benefits, for
underserved consumers and rural communities, and for cash-based small-
and medium-sized businesses.
Overall, our GSMA Intelligence analysts predict that by 2020 digital
commerce could generate ecosystem service revenues of US$67 billion,
not including coupons and loyalty. While the addressable revenue for
individual mobile operators will be dependent on our role in the value
chain and business models, this new ecosystem presents a significant
opportunity for new revenue growth for all mobile commerce players.