The GSMA is introducing a new tool – the A2A Interoperability Commercial Models Toolkit – to help operators identify the transaction and revenue uplift from introducing interoperability for account-to-account (A2A) transactions between mobile money schemes in their market.
In a simple model in Microsoft Excel, an operator enters its market share and current transaction flows, values and volumes to get an estimate of the revenue uplift from positive network effect.
The perspective is for one single operator, and the purpose of the model is to help operators build a solid business case to implement mobile money interoperability. This scope of the model is three-fold:
- Estimate the revenue opportunity of inter-scheme A2A transactions between mobile money schemes in a market, for one single scheme based on their current P2P transaction volume
- Visualise the potential need for cross-scheme compensation fee, and assist in identifying its value
- Show the ROI for implementing interoperability for the scheme
The toolkit is still in draft version, and we’re looking for feedback. Since few interoperability implementations have been live long enough, the model is based on a few basic assumptions. These can be modified in the toolkit if necessary. We look forward to updating the toolkit as we gather more data on the actual uptake on mobile money interoperability in the markets where we’re engaged.
At the moment, we are working with a few partners to test and fine tune the toolkit. However, if you are interested in obtaining a future version, or to be part of our limited number of testing partners, please register your interest by emailing [email protected]. The toolkit is accompanied by a short overview presentation to provide more guidance about the structure and how to use it.
View the Introductory Overview