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Mobile operators as banks or vice-versa? and: the challenges of Mobile channels for banks

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  • Pau, L-F.

Abstract

This short paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents of flow of cash for themselves and third parties. Through analysis and data analysis from selected operators , it is shown that mobile operators achieve as money flow handlers levels of efficiency , profitability ,and risk control comparable with deposit banks – Furthermore , the payment infrastructures deployed by both are found to be quite similar , and are analyzed in relation to strategic challenges and opportunities This paves the way to either mobile operators taking a bigger role ,or for banks to tie up such operators to them even more tightly ,or for alliances/mergers to take place ,all these options being subject to regulatory evolution as analyzed as well . The reader should acknowledge that there is no emphasis on specific Mobile banking (M-Banking) technologies (security, terminals, application software) , nor on related market forces from the user demand point of view.

Suggested Citation

  • Pau, L-F., 2004. "Mobile operators as banks or vice-versa? and: the challenges of Mobile channels for banks," ERIM Report Series Research in Management ERS-2004-015-LIS, Erasmus Research Institute of Management (ERIM), ERIM is the joint research institute of the Rotterdam School of Management, Erasmus University and the Erasmus School of Economics (ESE) at Erasmus University Rotterdam.
    • Handle: RePEc:ems:eureri:1163
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    References listed on IDEAS

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    1. Pau, L-F. & Vervest, P.H.M., 2003. "Network-based business process management: embedding business logic in communications networks," ERIM Report Series Research in Management ERS-2003-086-LIS, Erasmus Research Institute of Management (ERIM), ERIM is the joint research institute of the Rotterdam School of Management, Erasmus University and the Erasmus School of Economics (ESE) at Erasmus University Rotterdam.
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    Cited by:

    1. Pau, L-F., 2004. "Smart business networks: architectural aspects and risks," ERIM Report Series Research in Management ERS-2004-079-LIS, Erasmus Research Institute of Management (ERIM), ERIM is the joint research institute of the Rotterdam School of Management, Erasmus University and the Erasmus School of Economics (ESE) at Erasmus University Rotterdam.

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      More about this item

      Keywords

      banking; industry structure; mobile networks; operational cash flow; regulations; transaction systems;
      All these keywords.

      JEL classification:

      • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
      • L96 - Industrial Organization - - Industry Studies: Transportation and Utilities - - - Telecommunications
      • M - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics

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