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  • The status, best practice, opportunities and strategies for telcos and other players in the creation and delivery of new 'digital money' and payments services.
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  Facebook: Telcos' New Best Friend?

Facebook has changed substantially since we first analysed the company in 2011. In our latest major report we explore the accuracy of our 2011 predictions regarding users, revenue and strategy. We also examine Facebook's current aspirations and challenges and explain why, where and how operators should be working with Facebook to build value. (March 2015, Dealing with Disruption Stream)

Facebook: Telcos' New Best Friend?
  Google’s Big, Big Data Battle

Facing lockout from a growing chunk of the Internet and mounting competition from the Facebook-Microsoft alliance and Amazon, Google’s core business is under intense pressure. The search giant’s response is to innovate, offering consumers proactive recommendations, as well as reactive search results. Once an interesting sideline, Google Now has become fundamental to the Mountain View company’s future. Is the suggestion service good enough to maintain Google’s position as the world’s leading big data company?  (July 2014, Executive Briefing Service, Dealing with Disruption Stream.)

Figure 2: Google margins are steadily falling as volumes continue to rise
  Mobile Marketing and Commerce: the technology battle between NFC, BLE, SIM, & Cloud
This report will help digital commerce players assess some tough technology and strategy choices in the on-going mobile marketing and commerce battle. E.g. Will bricks and mortar merchants embrace NFC or Bluetooth Low Energy (BLE) or cloud-based solutions? If NFC does take off, will SIM cards or trusted execution environments be used to secure services? Should digital commerce brokers use SMS, in-app notifications or IP-based messaging services to interact with consumers? What are the big players backing, and what will be the key indicators that a specific technology is likely to win? (February 2014, Executive Briefing Service, Dealing with Disruption Stream.)

App notifications are in Pole Position Feb 2014
  Digital Commerce 2.0: Disrupting the Californian Giants
Amazon, Google, Apple, eBay/PayPal and Facebook are the big five brokers of digital commerce. But the disruption caused by the rise of mass-market smartphones, and the personal data they generate, means the medium-term leadership of these California-based companies is not assured. Each of them has weaknesses that could hinder their progress towards securing a strong strategic position in the new Digital Commerce 2.0 marketplace, and render them potentially vulnerable to competition from telcos, banks and/or start-ups. (October 2013, Executive Briefing Service, Dealing with Disruption Stream.) Digital Commerce 2.0 Gap
  Digital Commerce 2.0: New $50bn Disruptive Opportunities for Telcos, Banks and Technology Players
Telcos, Internet and technology players, banks and payment networks have disruptive $billion opportunities to act as intermediaries / enablers in mobile commerce and personal cloud services, based on the appropriate use of customer data. This report is a unique and comprehensive strategic guide for success in these roles. It analyses the strategies of the main and cutting-edge players, and outlines key success factors in designing and delivering customer propositions, technology, organisation and value network strategies. It also includes evaluations of the related strategic opportunities of 'raw big data', professional data services, and internal data use, and a business model showing how one type of candidate for the intermediary role, a telco, could grow profitable new revenues equivalent to c.$50Bn (5% of existing core revenues) within five years. (October 2013, Dealing with Dsiruption Stream). Telco 2.0 Transformation Index Small
  Telco Opportunities in the 'New Mobile Web'?
The transformed mobile web experience, brought about by the adoption of a range of new technologies, is creating a new arena for operators seeking to (re)build their role in the digital marketplace. Operators are potentially well-placed to succeed in this space; they have the requisite assets and capabilities and the desire to grow their digital businesses. This report examines the findings of interviews and a survey conducted amongst key industry players, supplemented by STL Partners’ research and analysis, with the objective of determining the opportunities for operators in the New Mobile Web and the strategies they can implement in order to succeed. (September 2013, Foundation 2.0, Executive Briefing Service.)

Operator Opportunities in the “New Mobile Web”
  Telco 2.0: Making Money from Location Insights
The provision of Location Insight Services (LIS) represents a significant opportunity for Telcos to monetise subscriber data assets. This report examines the findings of a survey conducted amongst representatives of key stakeholders within the emerging ecosystem, supplemented by STL Partners’ research and analysis with the objective of determining how operators can release the value from their unique position in the location value chain. (August 2013, Foundation 2.0, Executive Briefing Service, Dealing with Disruption Stream.)

Making Money from Location Insights
  Digital Commerce: Leading Apps and Strategies for Retailers, Online Players and Telcos in the $10Bn Loyalty Market
The advent of smartphones and tablets is disrupting the $10Bn+ loyalty market by opening up new ways for brands and retailers to engage with their customers in a highly interactive fashion.  This briefing analyses that market, why mobile is a compelling medium in it, key mobile app types, and leading edge strategies used by online players and traditional retailers. It concludes by outlining the strategies telcos need to employ to add value and exploit their assets and capabilities to play a major role in the value chain. (July 2013, Executive Briefing Service, Dealing with Disruption Stream.)

Loyalty and Mobile Venn Diagram 2013
  Digital Commerce: Time to redefine the Mobile Wallet
The 'Mobile/Digital Wallet' needs to evolve to support authentication, search and discovery, as well as payments, vouchers, tickets and loyalty programmes. Moreover, consumers will want to be able to tailor the functionality of this "commerce assistant" or "commerce agent" to fit with their own interests and preferences. Our report and analysis of the Digital Commerce 2.0 Executive Brainstorm, 20 March 2013, part of the New Digital Economics Silicon Valley event. (April 2013, Executive Briefing Service, Dealing with Disruption Stream.)

Who is best placed to win in local commerce April 2013
  Digital Commerce: Show me the (Mobile) Money
Many companies are struggling to build a mobile commerce business case that generates significant incremental revenues in the next five years. But some will ultimately use digital wallets to create a valuable platform that bolsters customer loyalty and produces substantial revenues from location-based marketing, advertising and the management of personal data. What are the barriers, how can they be overcome, and what are the key actions for telcos, major Internet players, banks and payment networks? (April 2013, Executive Briefing Service, Dealing with Disruption Stream.)

The Cycle and Functions of Digital Commerce (April 2013)
  The M-Commerce 'Land-Grab': Telcos Vs. Apple & Google
The mobile commerce market is going through a critical 'land-grab' phase. This report reviews the strategies and tactics of the leading telcos and Internet players in Asia, Europe and North America as they seek to use the mobile medium to become an intermediary between buyers and sellers. It considers the pivotal role of the digital wallet, 'big data', the race to acquire merchants and the key alliances between telcos, banks, payment networks and Internet players (December 2012, Executive Briefing Service, Dealing with Disruption Stream)

Digital Commerce Flywheel December 2012
  Mobile Commerce: MEF Global Survey Results

MEF’s Global Consumer Survey 2012 questioned 9,500 mobile media users in ten countries: US, UK, China, India, Qatar, South Africa, Mexico, Brazil, Indonesia and Saudi Arabia. Download the executive summary here - there's also a special 30% Telco 2.0 discount code on the full report. (November 2012)

Google's Advertising Revenues Cascade
  Digital Commerce 2.0: Report and Analysis of the EMEA 2012 Event
Digital Commerce 2.0: The findings of the fourth Digital Commerce 2.0 Executive Brainstorm, part of the New Digital Economics EMEA event, held in London, June 12-13. The Brainstorm explored how to scale adoption of mobile wallets, enable new forms of ‘localised commerce’, how individuals and companies can harness personal data, and what kinds of enablement platforms telcos should create.

Digital Commerce 2.0: Event Summary Analysis Presentation
  Digital Commerce 2.0: Report and analysis of the Silicon Valley Event 2012
Digital Commerce 2.0: A summary of the findings of the Digital Commerce 2.0 Executive Brainstorm, 28 March 2012, held in the Marriott Hotel, San Francisco, part of the New Digital Economics Silicon Valley event. The Brainstorm explored how to scale adoption of mobile wallets, enable new forms of ‘localised commerce’, how individuals and companies can harness personal data, and what sorts of enablement platforms telcos should create. (July 2012, Executive Briefing Service, Dealing with Disruption Stream).

Digital Commerce 2.0: Event Summary Analysis Presentation
  Digital Commerce 2.0: Silicon Valley Executive Brainstorm 2012, Day Two (Wednesday 28 March)
Harnessing personal data to revolutionize Payments, Advertising and Retail Experiences. Presentations, votes, output and analysis from the Digital Commerce 2.0 stream of the New Digital Economics Brainstorm, 28th March 2012, in San Francisco. (March 2012, Executive Briefing Service, Dealing with Disruption Stream)

Digital Commerce 2.0 Silicon Valley March 2012
  Facebook: what the pre-IPO S-1 filing revealed
New figures released in Facebook’s S-1 filing for its IPO stack up with Telco 2.0’s previous analysis of Facebook’s performance for our report ‘Dealing with the Disruptors’. This further strengthens our views that many mooted valuations are overblown, and that Facebook will seek new sources of value in communications. (February 2012, Executive Briefing Service, Dealing with Disruption Stream). 

Facebook user saturation bubble chart
  Dealing with the 'Disruptors': Google, Apple, Facebook, Microsoft/Skype and Amazon (Updated Extract)
An extract from our 284 page, 124 chart, strategy report that analyses the business models, markets, objectives, strategies and modus operandi of the major adjacent players, and their current and future impact on the telecoms industry. The report identifies the areas and options for competition and co-operation, and outlines potential strategies for interacting with each player. It also draws the combined activities of the digital empires - telcos, so called 'OTT players' and others - into the context of the new 'Great Game', the battle for power and value in the emerging digital economy. (Page updated February 2012, report published November 2011, Dealing with Disruption stream) Google Apple Facebook Microsoft Skype Amazon Telco 2.0 Disruptor Report Cover
  Vodafone CIO: 2012 a big year for customer data, analytics, and M-Commerce
Albert Hitchcock, Vodafone's Group CIO, believes there will be significant developments in customer experiece and M-Commerce (mobile money and advertising) starting in 2012, driven by improved use of customer data and analytics. He describes Vodafone's approach and early learning in a video interview from our recent New Digital Economics EMEA Brainstorm held in London. (Published January 2012, Foundation 2.0)

Albert Hitchcock Vodafone Group CIO
  APAC Nov/Dec 2011 Brainstorm - Mobile Payments 2.0
Mobile payments 2.0. Presentations on Digital Money 2.0 by Charmaine Oak, Senior Associate, STL Partners, Mobile Transaction Services (MTS) by Anuj Khanna, Mobile Money Product Specialist, Western Union and an Innovators Showcase asking 'How intelligent is Customer Intelligence?' from Naras Eechambadi, Senior Vice President & General Manager, Quaero, CSG at the New Digital Economics & CSG APAC Executive Forum in November / December 2011. (Executive Briefing Service, Dealing with Disruption Stream)

Mobile Payments: Digital Money
  M-Commerce 2.0: Report and analysis of the event

M-Commerce 2.0: Event Summary Analysis. A summary of the findings of the M-Commerce 2.0 Executive Brainstorm, 10th November , held in the Guoman Hotel, London. Part of an international research and events programme, run with the support of the World Economic Forum, the Brainstorm explored the principles of personal data in the context of ‘M-Commerce 2.0’ – creating mechanisms that put the user in control of their data, helping the individual to generate value from that data, reducing friction and transaction costs in day-to-day ‘B2B2C’ commercial processes. (December 2011, Executive Briefing Service, Dealing with Disruption Stream)

M-Commerce 2.0: Event Summary Analysis Presentation
  M-Commerce 2.0: Intro to M-Commerce (STL Partners Presentation)
M-Commerce 2.0: Intro to M-Commerce. Presentation by Simon Torrance, CEO of STL Partners; Harnessing Personal Data to Revolutionise customer engagement and transactions. Presented at the EMEA Brainstorm, November 2011. (Foundation 2.0, Executive Briefing Service, Dealing with Disruption Stream)

M-Commerce EMEA Nov 2011 Simon Torrance


  M-Commerce 2.0: How Connected Devices are Changing Consumer Behaviour (Nielsen Presentation)
M-Commerce 2.0: How Connected Devices are Changing Consumer Behaviour.  Presentation by David Gosen, Nielsen, at the EMEA Executive Brainstorm in November 2011. (Executive Briefing Service, Dealing with Disruption Stream)

M-Commerce 2.0: How Connected Devices are Changing Consumer Behaviour
  M-Commerce 2.0: M-Commerce Value Chain (Telefonica Presentation)
M-Commerce 2.0: M-Commerce Value Chain.  Presentation by Tim Sefton, Telefonica at the EMEA Executive Brainstorm in November 2011.

M-Commerce 2.0: M-Commerce Value Chain
  M-Commerce 2.0: Location, Context and Behaviour (Placecast Presentation)
M-Commerce 2.0: Location, Context and Behaviour: Consumers and Advertisers Perspectives on Location-based Marketing  Presentation by Alistair Goodman, CEO Placecast at the EMEA Executive Brainstorm, in November 2011. Mobile phones may be the last point of influence before purchase, and data from mobiles can also possibly confirm if consumers are near or in a store.

M-Commerce 2.0: Location, Context and Behaviour: Consumers and Advertisers Perspectives on Location-based Marketing
  M-Commerce 2.0: Visa's Global Investments in Digital Payments (Visa Presentation)
M-Commerce: 2.0 Visa's Global Investments in Digital Payments.  Presentation by Mary Carol Harris, Visa, at the EMEA Executive Brainstorm, November 2011.

M-Commerce: 2.0 Visa's Global Investments in Digital Payments
  Digital Money 2.0: Overview and Introduction (STL Partners Presentation)
In Digital Money 2.0. Presentation by Charmaine Oak, Senior Associate Analyst, Digital Money, STL Partners, covering market definitions and an analytical framework for digital money business models. Presented at EMEA Brainstorm, November 2011.

Digital Money 2.0 small STL Partners Nov 2011
  Digital Money 2.0: a vision of the future of M-Commerce (ClickandBuy Presentation)
In Digital Money 2.0. Presentation by Stefan Reinhardt, SVP Mechant Services, ClickandBuy (a Deutsche Telekom company), covering a background to the company, state of the market in Germany, and its future vision for the market. Presented at EMEA Brainstorm, November 2011.

OS Wars small STL Partners Nov 2011
  Digital Money 2.0: Innovators Showcase: Mastercard Mobile (Cellum presentation)
Digital Money 2.0: Innovators Showcase: Mastercard Mobile. Presentation by Janos Koka, CEO, Cellum Global, at the EMEA Executive Brainstorm in November 2011.

Digital Money 2.0: Innovators Showcase: Mastercard Mobile Presentation
  M2M 2.0: M2M Innovation Case Studies, Implications for BSS (CSG International Presentation)
M2M 2.0: M2M Innovation Case Studies, Implications for BSS. Presentation by David Heaps, CSG International, at the EMEA Executive Brainstorm in November 2011.

M2M 2.0: M2M Innovation Case Studies, Implications for BSS Presentation
  New Strategy Report: Telco 2.0 Case Directory - 5 'Use Cases', 10 Case Studies
A new 255 page report describing 5 new 'Use Cases', detailed descriptions / mini business cases for new, near term Telco 2.0 applications. The report also details 10 Case Studies from Telecoms and adjacent industries that illustrate key principles and early market progress. (May 2010, Executive Briefing Service, Telco 2.0 Transformation Stream)
  Digital Money: Agents are the Key to Mobile Money Transfer
New data from M-PESA shows clearly how its success is directly related to its network of trusted agents - a critical success factor for any mobile money project. (September 2009, Executive Briefing Service, Dealing with Disruption Stream)
  Mobile Payments: Lessons from the world's leading exponents

An analysis of M-Pesa and Wizzit - one a classic ‘Telco 2.0’ platform, the other an extension to traditional banking services – and lessons for telcos worldwide. (July 2009, Executive Briefing Service, Dealing with Disruption Stream)

  Zoompass: Implementing Mobile Money, Right?
A major milestone has been achieved; the first inter-carrier mobile payments system in a developed market since PayForIt. (June 2009, Executive Briefing Service, Dealing with Disruption Stream).
  M-Banking: can Zain's new business model for ZAP rival M-PESA?
A major emerging market operator, Zain, has entered the mobile banking game with a radically different business model. (May 2009, Executive Briefing Service, Dealing with Disruption Stream.)