Payments to third parties. Payment vital content on bill Operator. The operator is remunerated through a 'premium' and returns a portion to the Payments as a mobile recharge payment method provider (especially under the leadership of SEPA in Europe) Dominant Bank. The bank becomes operator.

The financial institutions offer res and integrated multichannel m banking/ payments backed by a re own mobile phone via by eg an MVNO. To do this, financial institutions. A strong legitimacy on the payment methods that do not necessarily telecom operators (expertise on security, issues of payment processing mobile recharge flow mass) The confidence of their customers in the field of payment and a strong guarantee sustainability (in contrast eg. to a new incoming PSI).

A strong knowledge of customer financial problems and a lasting relationship with him Experience in electronic banking ecosystem and a Master of tariffs for services push m banking. Collaborative. This model is based on the fact that the recharge retailer offer bank and operator remain on their respective business heart without encroaching on the perimeter of the other. The cult mounts a strong acceptance network from scratch (as has NTT DOCOMO have done) implies that a partnership with banks is achieved.

Independent. This model is based on the development of payment applications for specific make purchases online, manage accounts and perform transfers. Companies that choose this model are typically software vendors that develop through mobile recharge partnerships with operators, banks and local commercial networks. The success of payment also you profit banks WIZZIT Payments (Pty) Ltd is a provider of banking services for the poor in South Africa.

Launched in 2004, the first years of service have been cult in an already heavily banked market, the face of fierce competition from the four major banks South Africa, facing the payment card companies (Visa, MasterCard) and to authority regulation. Around 500,000 customers had mobile recharge to rely end of payment card 2010. These years were, however, the opportunity to prove the concept of mobile banking in the section persons not or under banked as evidenced by the successes in countries where the approach and technology Wizzit redeployed. Monaco in Zambia, 46% owned by RaboBank, reached in September 2010 after2 years operations, 200,000 customers through its mobile banking account Pit.

The expansion seems to go with each month, 10,000 additional customers and1 million transactions. In the same vein, the NMB Bank in Tanzania celebrated in July 2010, the first year NMB operation of its Mobile service with more than 280,000 customers. A simple service allows access to their account, transfer money recharge retailer offer between accounts and buy NMB call. The example of Good Bee (Austrian institute for micro finance) since it is more modest 25,000 customers were only after one year of operation (October 2010) but part originality is that a Southern model is applied in the North.

As showed Sara Nabokov CEO good. Be Holing, at the conference MicroFinancial Services in Amsterdam this year, there are over 16 million unbanked mobile recharge people Southeast Europe and more than 36 million when including Ukraine.