Professional Documents
Culture Documents
Enrooters
Syed Bahauddin Alam Shakhawat Hosen Tanim A B M Rafi Sazzad Md. Nazmus Sakib
Project Overview
Mobile wallet
Motivations
Only around 19 million bank accountSOLUTION holders IT based solution for attracting more people towards banking services
Contd.
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Motivations MOTIVES
Culture of savings missing SOLUTION among all income groups
Requirement of sophisticated cell phones SOLUTION or high speed internet for e-Transactions
Dissemination of e-transaction using even the simplest mobile phones and technological infrastructures
Business Scheme
Business Strategy
Collaboration User level integration e-Load centers Monetary transaction Additional services
Mobile wallet
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Collaboration
One to One model
Bank
Mobile company
Bank Contd. 7
Collaboration
Many to many model:
Bank1
Mobile company1
Bank1
Mobile company1
Central server
Bank2
Mobile company2
Bank2
Mobile company2
E-load centers
Authorized outlets for cash deposit Any mobile balance recharging center (like Flexiload of Grameenphone, i-Top up of Banglalink etc.)
Collaboration
Bought package
Cellular E-load Communi Bank(s) Centers cation E-transaction to E-transaction to bank account bank account
Objectives
To encourage saving any amount of money To encourages savings for all income group To increase overall savings
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Cash flow
Banking Service
Registration fees
Bank sectors
Users (individuals Transaction fees /institution) Service charge
Telecom sectors
Transaction fees
Balance checking fees
Cost
Benefits
Security saving Cost for cheque and paper Direct operational cost saving Manpower reduce Banking profit increase
12
Business Process
Money deposit(through e-loads My savings (e-account) Opening Registration account Savingscenters)account or fixed
Technological Developments
15
Channel
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17
18
Stored Voiceprint
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Confirmation pin
Banking Services
Voice Recognition
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An Intruder has to ..
Impossible
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25 Contd.
Statistics of India
12% 17%
18%
3 lack to 5 lack
16%
37%
Source: Telicomindiaonline.com
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Technological Demonstration
27
Developed Softwares
Audio watermarker and remover Image watermarker and remover Text watermarker and remover Voice verification
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