Sybase mTopUp 365 permite a los usuarios finales recargar saldo en sus teléfonos móviles o en los teléfonos móviles de otras personas; transferir dinero dentro de su país o a otros países, realizar compras en línea con el nivel más alto de seguridad, pagar en puntos de venta, abonar sus facturas y usar los servicios bancarios desde su teléfono móvil.
The mobile TopUp business opportunities cover three complementary propositions:
Mobilising Payments: simplify subscribers’ mobile commerce lifestyle at any merchant point and with any peer relation by creating and supporting open mobile payment standard.
Mobilising TopUp: optimise distribution cost and transparency for virtual goods such as airtime or credits and convenient topup mechanisms via any channel.
Mobilising Marketing: interact with subscribers with greater efficiency and effectiveness via any mobile channel managing the user experience along the entire customer development lifecycle.
Enables the purchase of airtime anytime, anywhere
End customers want to further simplify their existing commercial, banking and payment habits and get instant access to buy credits such as airtime in whatever denomination they can afford whenever they can afford it.
Enables MNOs to address a wider range of target customers
Mobile Network Operators (MNO) are honing in on the opportunity to sell prepaid services and airtime, especially into lower income segments. Prepaid micro credit is traditionally dominant in emerging mobile markets. But it has also rapidly gained popularity in highly penetrated mobile markets. To capture customers in these markets and address customer needs with services, MNOs require a low cost, rapid entry solution with a high security level.
Enables MVNOs to create new topup propositions
Mobile Virtual Network Operators (MVNO) seek the same advantages as MNOs. Additionally MVNOs need to distinguish themselves by offering their customers unique services to gain competitive advantage. Both MVNOs and MNOs want to maximise their margins on prepaid services through process cost reduction and wide distribution networks.
Reduce distribution costs
Distributors of scratch card vouchers are looking to generate profits in alternative markets to traditional retail. They need reduced distribution costs, high profit margins as well as fraud and risk limitation. Distributors require new sales channels reaching new target customers for micro credit and services.
Data Sheets Sybase mTopUp 365 data sheets cover a broad range of topics related to mobilizing payments, topups and marketing. Click on a link below to view a data sheet.
Sybase 365 TopUp Mobiliser Leveraging its Mobiliser Products, Sybase 365 can address end-to-end mCommerce opportunities in both developed as well as emerging markets – in a standardised way.
Our Approach
The Sybase mTopUp 365 addresses the large market of recharging prepaid accounts, predominantly for airtime of telcos. All editions of the Sybase TopUp 365 Product are voucher-based and voucher-less (“hot billing”) solutions, with sophisticated integration modules, not only into prepaid IN billing systems, but also into ERP- and payment-systems.
Sybase mTopUp 365 allows for fixed and variable (incremental) top-up denominations enabling cost-efficient high-frequency low-value top-up for emerging markets. The Sybase mTopUp 365 addresses the business opportunities with three editions:
Self TopUp Services – Enables consumers to topup their own or any other mobile phone directly via the operator’s prepaid system or via an electronic voucher. They can use electronic payment instruments made available via the mobile Wallet. This allows end customers to go to a topup portal, share airtime within a network and transfer airtime across borders. Airtime transfers can also be enabled into emerging markets such as Indonesia, the Philippines, Sri Lanka, Vietnam, China, Turkey and Egypt.
Street TopUp Services – Enables operators and distributors to replace their existing scratch card distribution and to sell airtime or other credits directly from their mobile device to the consumers’ mobile phone and enable cash-in/cash-out processes on the street. Merchant can manage the typical hierarchical agent structures modeling large, medium and small sized merchants who distribute the recharge credits against commission within the merchant hierarchy or directly to the consumer. Tiered pricing and commission structures can also be enabled.
Shop TopUp Services - Allows merchants to sell airtime directly from their POS (terminal, PC or cash register) enabling cash-in/cash-out processes in the shop. The airtime can either be directly credited on the customers mobile or it can be sold as a voucher code.
The Sybase Advantage
End customers can topup their own or any other mobile phone directly via the operator’s prepaid system or via an electronic voucher. They can use electronic payment instruments and set topup rules. This allows end customers to go to a topup portal, share airtime within a network and transfer airtime across borders.
Merchants can sell airtime or other credits directly from a cash register, a POS terminal, an internet enabled PC mobile device or a mobile device to the consumer mobile phones.
Merchant can manage the typical hierarchical agent structures modeling large, medium and small sized merchants who distribute the recharge credits against commission within the merchant hierarchy or directly to the consumer.
Sybase mCommerce 365 products are available as deployed or hosted service models. Additional value-added services include Business Consulting, Mobile Marketing and Business Intelligence.
Las oportunidades comerciales de la recarga móvil abarcan tres propuestas complementarias:
Pago móvil: simplifica el estilo de comercio móvil de los suscriptores en cualquier punto de venta y con cualquier relación mediante la creación y el respaldo de estándares abiertos de pago móvil.
Recarga móvil: optimiza el costo de distribución y la transparencia de la mercadería virtual (como crédito o saldo) y los mecanismos de recarga convenientes a través de cualquier canal.
Marketing móvil: permite que los suscriptores interactúen de forma más efectiva a través de cualquier canal móvil, al administrar la experiencia del usuario durante todo el ciclo de vida de desarrollo del cliente.
Permite adquirir saldo en cualquier momento y en cualquier lugar
Los clientes finales desean simplificar al máximo sus presentes hábitos bancarios, comerciales y de pago. Y desean adquirir crédito o saldo en cualquier momento y en cualquier lugar de forma inmediata.
Permite a los MNO abordar una mayor variedad de clientes objetivo
Los operadores de redes móviles (MNO) se centran en la oportunidad de ofrecer saldo y servicios prepagos a los segmentos de bajos ingresos en particular. Habitualmente, los microcréditos prepagos dominan los mercados móviles emergentes. Pero han ganado popularidad en los mercados móviles tradicionales. Para captar la atención de los clientes de estos mercados y satisfacer sus necesidades respecto de los servicios, los MNO necesitan una solución asequible de aceptación rápida con un alto nivel de seguridad.
Permite a los MVNO crear nuevas propuestas de recarga
Los operadores de redes móviles virtuales (MVNO) buscan las mismas ventajas que los MNO. Pero los MVNO necesitan diferenciarse, al ofrecer servicios exclusivos a sus clientes a fin de obtener una ventaja competitiva. Tanto los MVNO como los MNO desean maximizar los márgenes de ganancia que obtienen con sus servicios prepagos al reducir los costos de proceso y ampliar las redes de distribución.
Reduce los costos de distribución
Los distribuidores de tarjetas de recarga buscan generar ingresos tanto en los mercados tradicionales como en los mercados alternativos. Por lo tanto, deben reducir los costos de distribución, aumentar los márgenes de ganancia, y limitar los fraudes y riesgos. Los distribuidores precisan nuevos canales de venta para llegar a nuevos clientes objetivo a fin de ofrecer sus microcréditos y servicios.
