Tag: Telenor

Sweden’s Mobile Wallet

Funny old world this. I haven’t written about operators for a while until last week. And here I am again. They seem to be coming in pairs…

Anyway, there were reports today on an initiative of the four Swedish mobile network operators, namely Telia, Tele2, Telenor and 3. They formed a joint venture (with the witty name 4T), which will deliver (not directly but via PayEx and Accumulate) a unified mobile wallet to at least 97% of all Swedish subscribers on launch.

Older services such as Gallerie in France and Payforit in the UK never really hit it, as ME points out, arguably because of the use of WAP (*shiver*), which was the only available carrier for such services at the time. This time around, it will all be different, we hear, with all handsets from 2006 onwards being supported. The one thing that is not so clear is the technology used… The system is apparently ready for NFC (which I find uber-exciting).

What will be more exciting to users than some tech stats is the fact that the system will be able to handle online, peer-to-peer and man-to-machine transactions (presumably also for women). So rather than with cash or cards, you will be able to pay with your mobile (something predicted by Forbes’ #1 mobile influencer, Tomi Ahonen, for years of course).

The service will also have the same look-and-feel (and the same name!) irrespective of the carrier, which will do a lot to instill consumer trust (as well as avoiding to erect any unnecessary barriers to switch carriers).

All in all, very exciting and indeed commendable!

Mobile natives: home in Norway and elsewhere…

Norwegian incumbent Telenor has undertaken a survey, which found that 88% of all Norwegian 10-year-olds own a mobile phone, up 36% from 4 years ago. 9-year-olds are at 71% up from 57% last year. 60% of the kids teach their parents on how to use the thing… The leading “subjects” that are “taught” are camera, downloading music, SMS, Internet, MMS, video and radio.

Heavy users then… The whole concept of digital natives (vs. immigrants like me) may stand to be corrected (after a mere 5 years): are we now talking of mobile natives? Whilst in the good old days of 2001 Prensky (the inventor of the digital natives concept) mused that children, at the age of 15, would only have spent about 5,000 hours of reading vs. 10,000 hours of having played video games plus 20,000 hours of TV, this seems to shift, and not only in Norway: e.g. does my son (12, no 12 1/2 [!], with his own phone since he turned 11) check his e-mail only once every blue moon (it’s so yesterday!), the most important pieces of communication are IM and his phone. He has a Facebook account (even asked me if I would allow him to cheat on his age – you have got to be 13 to sign up), which he rarely uses though (this will change, I’m sure. He is utterly annoyed that I would not buy him an iPhone — because then he could IM and use FB and others on the move, too. Note to self: why are dads so stubborn, backward and generally obnoxious?). He is not really that interested in the XBox360 that was — rather cunningly — given to his dad as a Christmas present last year so as to be better able to regulate usage. Take away his phone though? Oooh.

Besides causing all sorts of concerns as to costs, imaging (could they actually look at “dirty” things earlier? well, according to that survey, 80% of all phones are registered by a parent, which means that they probably would pass through age-restriction-barriers; not my son though: his nasty dad signed him up to a no-data plan…) the much more interesting thing appears to be the actual shift in the ways how youngsters communicate and consume and compute information: communication via mobile (or IM for that matter) is normally limited to a radically reduced amount of information being shot back and forth in incredible intervals (I actually struggle to read my son’s IM conversations with his friends: “hi m8, let’s mt @4 in S park, s8ing should be cool td”). So arguably the information they consume is received (and presumably processed) in smaller chunks compared to previous generations. The Guardian (or, in the US: the NY Times) anyone?

Will this also extend to the way the next wave of savvy users will consume mobile content? Will that mean that they’re less inclined to play 18 levels of Call of Duty because it is too linear in gameplay? May, in a few years time, that (and not the 39-year-old mums) be the reason why quick and easy games may be more successful on mobile (as they are – probably for different reasons – today)?

Prensky concluded that his students’ brains had physically changed. What he meant is that children who grew up with digital media (I was a front-runner of my generation having played with my dad’s punchcards) compute information differently to people who grew up in an analogue world. After a mere 6 years, this seems to have shifted again, this time involving the constraints of the mobile screen but adding several layers that are inherent to that medium: location-sensitive, instant, anytime. Ah, what interesting times!

OK, but now back to Telenor’s survey. Interestingly perhaps, it also shows that attitudes as to when children should have a mobile have changed considerably. The threshold for mobile phones is now 10 years of age, and the percentage of parents who think it is acceptable for their children to have a mobile, more than doubled from 9 to 10 (22% for the younger ones to 56% for 10-year-olds). Is this related to the entry into secondary schooling (it was for us)? In 2002, only 11% of parents thought it were acceptable to give a 10 year old a mobile.

Interestingly, parents seem to give their children mobile phones before the parents actually think they should have any (are Norwegian schizophrenic???): 93% of 11-year-olds have a mobile, only 63% of parents say they actually want them to have one at that age. So who on earth gives them these things???

Disclaimer: I have exaggerated slightly for good effect. My dear first-born also reads 400-page novels and engages in discussions happily. He regularly reads the Guardian and German mag, Der Spiegel, etc, etc… Not all is lost then… 🙂

I had to clarify that as he would otherwise probably get back to me soon, telling me how single-tracked and utterly analogue I was in my thinking…

GSM Association is on the Money; with Western Union

A lot has been said and heard about the role of mobile telephony to boost the economies of developing and emerging countries, and the same is true for micro-finance, so perhaps this should not come as a surprise: the GSM Association, an umbrella association for 700 GSM operators, has announced a project with Western Union, the money-transfer specialists, under which they will roll out a P2P (peer-to-peer) framework that mobile operators can use to deploy services that enable consumers to send and receive low-denomination, high-frequency money transfers using their mobile phones. The first commercial services that make use of the framework are anticipated to be rolled out beginning in the second quarter of 2008.

Similar services have also been developed by private sector start-ups, such as P2P Cash. However, the combination of a giant like Western Union with more than 300,000 “cash points” around the globe and the dominant trade association of operators shifts the focus, in particular as the project is driven by a host of operator groups with interests in countries that will be on the forefront for such projects. They include Bharti (India), MTN (Africa and Middle-East), Orange (Europe, Caribbean, Africa), Orascom (Africa and Middle-East), Smart (Philippines), Telenor (Norway with interests in Europe and Asia, including a majority stake in Grameenphone in Bangladesh, more of which below) and VimpelCom Apparently, already 35 operators with a reach of more than 800 m customers in more than 100 countries have confirmed their participation in the programme.

The significance of small amounts of money for the development of poorer nations has last but not least been highlighted with the award of the Nobel peace price 2006 to Muhammad Yunus and his Grameen Bank from Bangladesh: it was awarded for “their efforts to create economic and social development from below”. One of Mr Yunus’/the Grameen Foundation’s projects was the so-called “Village Phone“. A sister company of the bank holds a 38% stake in Bangladeshi mobile provider Grameenphone. And thus the circle closes…

The idea is simple: combine the two major development drivers, namely communication and money transfers and you’re on to a potentially very powerful lever for economic growth. Great effort!

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