Das Mobey Forum hat ein Whitepaper “Best Practice for Mobile Financial Services — Enrolment Business Model Analysis” veröffentlicht. Es gibt noch ein paar begleitende Dokumente wie ein Slide set und verschiedene Zusammenfassungen, ebenfalls alles zum kostenfreien Download.

Standards-based approaches to the provision of mobile financial services (MFS) move a step closer today with the release of research by Mobey Forum examining the challenge of sharing a mobile handset’s secure hardware, the so-called secure element.

Prepared by experts representing all the major stakeholders — including banks, mobile operators and vendors — the analysis offers a planning guide for establishing MFS ecosystems that share a critical security resource such as the handset’s existing SIM card, or other secure element in the mobile device or on a removable SD card.

The document is a timely contribution to the debate on the convergence of mobile communications and financial services, because it analyzes the application from a broad perspective, including the critical needs of banks and other parties in the transaction chain.

A range of ’shared security’ MFS business models ranging from co-ownership of the secure element to renting space, are presented. The research document goes on to analyze the critical issue of enrolment in a multi-application environment. Mobey Forum’s analysis targets the creation of mass market friendly business models that are able to provide transparent links between a bank and customers — irrespective of the particular mobile networks users subscribe to. The role of the Trusted Service Manager is widely agreed by the industry to be a crucial enabler for facilitating MFS markets.

“Serious progress towards a global platform for mobile financial services requires very broad industry support, and collaborative business models are at the core of Mobey Forum’s work. This new research represents a major step forward for creating financial ecosystems based on the shared use of a mobile phone’s secure element,” says Liisa Kanniainen, Executive Director of Mobey Forum. Quelle

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