historique du mobile banking pdf


What is mobile banking?

  • The Mobile Banking environment requires both a bank and a MNO to deliver a transactional or informational banking service to a consumer through the mobile phone. In this description, neither the bank, nor the MNO, can deliver the solution to the consumer in isolation.

What is the regulatory impact of mobile banking?

  • The regulatory impact results from the actual application of the technology. When a bank decides to add the mobile option, it will need to consider the necessary KYC, AML, branchless banking (agency), emoney, and data privacy regulations that are relevant to the implementation.

What is mobile banking infrastructure?

  • Here, the mobile banking infrastructure has been implemented around a shared industry ATM/POS/EFT switch. If this environment is implemented in a bank, and in a MNO neutral fashion, the platform owner would be able to service multiple banks and multiple MNOs thus allowing the clients of any of those banks or those MNOs to transact with each other.

What is the front-end component or consumer-facing mobile banking technologies?

  • This section addresses the front-end component or consumer-facing Mobile Banking Technologies. This component of the end-to-end mobile banking value chain is typically supplied or customised by either a mobile banking vendor or the specialised technology unit within a bank.
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