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Olivier Tessier
Commerce Programme – Project Director, GSMA

  1. What activity is the GSMA undertaking to ease trusted service manager complexity to reduce time, cost and efforts for SIM- based services?

Simplification of the on-boarding process is a key priority for mobile operators. In 2014/15 the GSMA is working alongside mobile operators to collaborate with card schemes, TSM providers and the mobile commerce ecosystem to simplify the NFC technical ecosystem.

We are particularly looking at simplifying the TSM to TSM process; standardizing the over-the-air approach for service providers; and streamlining the deployment processes through recommending standard options for SIM implementations.

Simplifying the end-to-end process should lead to less complex and more interoperable solutions, expediting the deployment of SIM-based services.

  1. What steps do you think MNOs should take to be successful in the mobile payments and commerce industry? Do you think collaboration and industry partnerships are important?

Collaboration is key to the success of the digital commerce ecosystem. No single group of stakeholders has the assets required to be able to offer an end-to-end proposition. As such, collaboration and industry partnerships between stakeholders with different assets and capabilities will create and enable a secure, seamless and intelligent ecosystem.

While different priorities and expectations of banks and mobile operators have previously caused delays, in many markets banks and mobile operators are now working closely together to deploy widespread services. The GSMA, alongside mobile operators, continues to proactively engage and request feedback from vendors and service providers, applying this to newer and more effective ways of working together.

  1. What is your vision for common activities between GlobalPlatform and GSMA in the next three to five years?

From the GSMA's perspective, we envision working closely with GlobalPlatform to address the many known and unknown challenges in digital commerce.

For example, certification of digital commerce products and services is too complex at present. By combining the expertise and experience of GlobalPlatform and the GSMA, we can work to develop common views for the wider industry.

As more internet players become involved in digital commerce products and services, we may see the emergence of closed systems. However, both GlobalPlatform and the GSMA are committed to open specifications and standards. We will work together to encourage the continued growth and use of open standards to ensure a competitive and innovative ecosystem for NFC products and services.

The industry is moving quickly, with new disruptive technologies enabling new ideas. Together GlobalPlatform and the GSMA will work together to explore how these technologies can complement existing deployments and technology processes, to enhance and expedite digital commerce products and services for consumers around the globe.

  1. What are your predictions for the mobile commerce market over the next 10 years?

Firstly, a key element in enabling a digital commerce service via the mobile device is identification of the user and secure authentication of their transaction. As such, digital commerce provides potential for the monetization of operators' digital identity initiatives.

Advancements in mobile commerce will not be limited to developed markets. Emerging markets are quickly catching up, innovating faster than mature markets and progressed based on the needs of their consumers. We expect to see an increase in mPOS platforms in emerging markets that could potentially bring an array of benefits, for underserved consumers and rural communities, and for cash-based small- and medium-sized businesses.

Overall, our GSMA Intelligence analysts predict that by 2020 digital commerce could generate ecosystem service revenues of US$67 billion, not including coupons and loyalty. While the addressable revenue for individual mobile operators will be dependent on our role in the value chain and business models, this new ecosystem presents a significant opportunity for new revenue growth for all mobile commerce players.