What is striking about Qtel's Mobile Money (Qatar), Celcom's Aircash (Malaysia) and Dutch Bangla Bank's (DBBL) Mobile Banking (Bangladesh) for unbanked communities-apart from being Sybase delivered solutions-is that there is no smartphone app involved. These services are accessible from any phone, across SMS, IVR or USSD channels.
In the developed world, we are so accustomed to a mobile service being an app on a smartphone that we sometimes lose sight of the broader, multi-channel requirements for launching a consumer mobile service. This is not to say that a consumer mobile service cannot be driven by an app; it can be and is in most instances in the developed world. But a whole lot of things have to happen behind the scenes for the app to be usable, reliable and responsive. And outside the developed world, consumer mobile services are a different story.
A consumer mobile service needs to be accessible by as many types of phones as possible to reach the maximum number of potential customers-especially when the target markets are unbanked and underbanked populations.
Four key technology requirements
There are four key things to consider when building such a service.
1. Scope of channels
Consumer services need to address all the mobile channels (SMS, USSD, IVR, mobile Web and rich client), plus the Web, as there is often a Web element to the service (to handle registration, for example). The Qtel Mobile Money service operates over USSD, and thus is accessible via any phone in Qatar that uses Qtel. The DBBL mobile banking solution uses a combination of SMS and IVR or USSD to complete transactions. And as these markets evolve, the same services can be extended to smartphones.
2. Scale of service
When launching consumer-facing services, it's important to plan to scale up to millions of users. The scope of the service is really the entire country in many instances, so the service must be built on a platform that has proven scalability.
3. Support applications
When organisations think of consumer mobile services in terms of just an app, they often overlook important support applications such as customer registration and a customer portal. Additionally, a customer support organisation needs it own portal for agents to answer questions on transactions, block and unblock accounts, update customer details, etc. And of course, an administration portal and an operations dashboard are necessary to manage the service once it's up and running.
4. Span of platform capability
When launching a consumer mobile service, it is important to think about the end goal as opposed to the current state when making choices. The temptation is to build an app by hooking into a set of Web services exposed by the backend-and keep building more Web services and isolated, individual apps in response to each request for additional functionality. Whenever a change has to be made that impacts each of these apps, the cost goes through the roof. And when there is a requirement to address multiple mobile phone channels, significant additional costs come into play.
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