m‐Commerce: Innovative

m Commerce: Innovative solutions

to enhance SME competitiveness
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Knowledge is Power
Dt.25.07.2009
Why mobile phones matter?
Why mobile phones matter?
Where is the strong adoption rate?
Where is the strong adoption rate?
 Where does mobile matter most?
Where does mobile matter most?
in this environment? or this environment?
Fax

Fixed
line

Mobile

Web

E‐mail
 Mobile
Mobile phones become PCs…
phones become PCs
bile phones become PCs…

The frontier slowly fades...

 5 ways to enhance SME competitiveness
5 ways to enhance SME competitiveness

„ Internal efficiencies
„ Visibility and linkages
„ Market information
Market information
„ Leapfrog traditional barriers
Leapfrog traditional barriers
„ Financial transfer facilitation
 Internal efficiencies
Internal efficiencies
From simple...

...to more complex solutions

communications geolicalisation
Visibility and linkages
Visibility and linkages
 Market information
Market information
t d th d
tradeathand

marketPrices
 Market information
Market information
t d th d
tradeathand

marketAlerts
Leapfrog traditional barriers
Leapfrog traditional barriers

Digital Content goes mobile: One 
track out of two sold over a 
cellular network
cellular network
 Why m‐banking has a huge potential 
Why m‐banking has a huge potential
for trade development & poverty 
reduction?
„ Mobile adoption in developing countries

„ M‐banking permit cheaper financial services
„ Reach many so‐called “unbanked”

„ Fi
Financial services boost entrepreneurship
i l i b hi
Challenges or how to make it happen
Challenges, or how to make it happen
• Establish m‐finance standards 
(telecom technicalities and financial processes)
• Elaborate and agree on policies;
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• Disseminate best practices; and
• Enable the environment for shared benefits 
for all stakeholders
for all stakeholders