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Although the concept of using non-coin-based currency systems has a long history, Investment on mobile money services is expected to grow by 22.2% during the next two years across the globe.
It will result in revenue share of mobile money reaching up to 9% by 2018.
Remembering keywords is not required since sessions are initiated by the enterprise to establish a transaction specific context.
Reply messages are linked to the proper session and authenticated either synchronously through a very short expiry period (every reply is assumed to be to the last message sent) or by tracking session according to varying reply addresses and/or reply options.
Direct operator billing, also known as mobile content billing, WAP billing, and carrier billing, requires integration with the mobile network operator.
It provides certain benefits: More recently, Direct operator billing is being deployed in an in-app environment, where mobile application developers are taking advantage of the one-click payment option that Direct operator billing provides for monetising mobile applications.
Since SMS lacks end-to-end encryption, such solutions employ a higher-level security strategies known as 'tokenization' and 'target removal' whereby payment occurs without transmitting any sensitive account details, username, password, or PIN.
The payment could be deducted from a pre-paid account or charged to a mobile or bank account directly.Near Field Communication (NFC) is used mostly in paying for purchases made in physical stores or transportation services.A consumer using a special mobile phone equipped with a smartcard waves his/her phone near a reader module.This is a logical alternative to credit card and Premium SMS billing.In 2012, Ericsson and Western Union partnered to expand the direct operator billing market, making it possible for mobile operators to include Western Union Mobile Money Transfers as part of their mobile financial service offerings.After two-factor authentication involving a PIN and One-Time-Password (often abbreviated as OTP), the consumer's mobile account is charged for the purchase.It is a true alternative payment method that does not require the use of credit/debit cards or pre-registration at an online payment solution such as Pay Pal, thus bypassing banks and credit card companies altogether.Requesting a PIN is known to lower the success rate (conversion) for payments.These systems can be integrated with directly or can be combined with operator and credit card payments through a unified mobile web payment platform.Asia and Africa will observe significant growth for mobile money with technological innovation and focus on interoperability emerging as prominent trends by 2018.In developing countries mobile payment solutions have been deployed as a means of extending financial services to the community known as the "unbanked" or "underbanked," which is estimated to be as much as 50% of the world's adult population, according to Financial Access' 2009 Report "Half the World is Unbanked".