Mobile Virtual Network Operator လုုပ္ေဆာင္ႏိုုင္ရန္ အစျပဳျခင္း

Mobile ကြန္ယက္ တာဝန္ခံ အလုပ္မ်ား ( MNO )

Mobile Network Operators မ်ားသည္ လက္ရွိ Infra ႏွင့္ အသစ္ မ်ားအားလံုးကို ကိုုယ္ပိုင္ သိုု႔မဟုုတ္ Tower Sharing ပံုုစံမ်ားျဖင့္ လုပ္ကိုင္ေဆာင္ရြက္ပါမည္။

သုိ႔ေသာ္ ေအာက္ပါအခ်က္မ်ားမွာ အကန္႔အသတ္မရွိပါ။

-           လက္ရွိ တည္ရွိၿပီးေသာ ကြန္ယက္လုပ္ေဆာင္မႈ Infrastructure ႏွင့္ ၀န္ေဆာင္မႈမ်ားကို ေပးျခင္း။

-           လက္ရွိ MNO မ်ား၏ အားလံုးေသာ Mobile ႏွင့္ Backbone Infra မ်ားကို အဆင့္ျမႇင့္တင္ျခင္း။

-           စီမံကိန္းအတြက္ လုပ္ေဆာင္ခ်က္မ်ား ႏွင့္ တင္သြင္းခြင့္လိုက္စင္မ်ားကို ခြင့္ျပဳလုပ္ေဆာင္ေပးျခင္း။

-           MVNO လုပ္ႏိုင္ရန္ သေဘာတူစာခ်ဳပ္မ်ားကို ျပဳလုပ္ေပးျခင္း။

-           အျခားဆက္စပ္ေသာ ႏိုင္ငံ၏ ဆက္သြယ္ေရး၀န္ႀကီးဌာနမ်ား ၊ ဥပေဒမ်ား ႏွင့္ ၀န္ေဆာင္မႈေပးသူမ်ားကို ညႇိႏႈိင္းေဆာင္ရြက္ေပးျခင္း။

-           MVNO ႏွင့္ Partner မ်ားကို Mobile ၀န္ေဆာင္မႈလုပ္ငန္းမ်ားအား ေရာင္းခ်ေပးႏိုင္ျခင္း။

-           ႏို္င္ငံေတာ္၏ နံပါတ္မ်ားကို Mobile ၀န္ေဆာင္မႈေပးသူမ်ားအား ျပန္လည္ေရာင္းခ်ရန္ႏွင့္ အသံုးျပဳရန္ အတြက္ Range သတ္မွတ္ေပးျခင္း။

-           ေစ်းႏႈန္းမ်ားကိုု ေျပာင္းလဲျပင္ဆင္မႈမ်ားျဖင့္ သတ္မွတ္ဖန္တီးေပးျခင္း။ Price Revision Formula (PRF) (Mobile ၀န္ေဆာင္မႈ ေပးသူမ်ား၏ စာခ်ဳပ္တြင္ ထည့္သြင္းရန္)

-           ျပည္တြင္း ၊ ျပည္ပ ေခၚဆိုမႈ လမ္းေၾကာင္းမ်ား ေဖာ္ေဆာင္ေပးျခင္း ႏွင့္ ရပ္ဆိုင္းေပးျခင္း။

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MVNO Business Model 

Mobile ၀န္ေဆာင္မႈေပးသူမ်ား၏ လုပ္ငန္းမ်ား ( MVNO )

·       ျမန္မာႏိုင္ငံအတြင္းတြင္ ဇုန္မ်ားခြဲ၍ Mobile ၀န္ေဆာင္မႈလုပ္ငန္းမ်ားကိုကုမၸဏီမ်ား ႏွင့္ အဆင့္ဆင့္ လုပ္ေဆာင္သြားမည္ဟု အဆိုျပဳထားပါသည္။

o   ဥပမာ   -           အေရွ႕ ၊ အေနာက္ ၊ ေတာင္ ၊ ေျမာက္ ၊ အလယ္

·       MVNO ကုမၸဏီမ်ား ဇုန္တည္ေဆာက္ရာတြင္ တာ၀န္ယူရန္ အခ်က္မ်ားပါ၀င္ပါသည္။ သို႔ေသာ္ ေအာက္ပါအခ်က္မ်ားမွာ အကန္႔အသတ္မရွိပါ။

-           အေရာင္း ၊ ေစ်းကြက္ ၊ အမွတ္တံဆိပ္ ႏွင့္ အဓိက၀င္ေဆာင္မႈ value added services, အဆင္ျ့မႇင့္ ၀န္ေဆာင္မႈမ်ား

-           အေရာင္းစနစ္ ၊ ၀န္ေဆာင္မႈအမ်ိဳးမ်ဳိး ႏွင့္ ေစ်းႏႈန္းပံုစံမ်ားကို Price Revision Formula (PRF) အေပၚ အေျခခံ သေဘာတူ၍ ဖန္တီးျခင္း။

-           ထူျခားဝန္ေဆာင္မႈမ်ားအား ဗ်ဴဟာခ်၍အထေျမာက္ေအာင္ဖန္တီးေဖၚေဆာင္ရန္။

-           Handset မ်ားကိုဗ်ဴဟာခ်မွတ္၍စီမံကိုင္တြယ္ေဆာင္ရြက္ရန္။

-           ဆန္းသစ္ေသာ ဝန္ေဆာင္မႈမ်ားႏွင့္ သံုးဆြဲသူမ်ားအစဥ္အေလးထားမႈမ်ားကို ဗ်ဴဟာခ်၍အထေျမာက္ ေအာင္ဖန္တီးေဖၚေဆာင္ရန္။

-           ႏိုင္ငံတကာ ႏွင့္ ျပည္တြင္း တို႕တြင္ Roaming ကိုသေဘာတူ၍ ဝန္ေဆာင္မႈမ်ားေပးရန္။

-           သံုးဆြဲသူမ်ားအား အဆင့္ (၁) ႏွင့္(၂) ရွိ ေသာ Customer Relationship Management ႏွင့္ Client Helpdesk ဝန္ေဆာင္မႈမ်ားေပးရန္။

-           သံုးဆြဲသူမ်ားထံမွ Pre-Paid ႏွင့္ Post-Paid ေရာင္းရေငြအားလံုးလက္ခံရယူရန္။

-           ေပးေခ်ရန္ရွိသည္မ်ားကို Partner အားလံုးကိုေပးရန္၊ ရန္ပံုေငြမ်ား ႏွင့္ Official Development Assistant (ODA) စနစ္ ျဖင့္္ျပန္လည္ေပးဆပ္ရန္။

-           MVNO ၏ ဝင္ေငြမ်ားကို Infrastructure မ်ားခ်ဲထြင္ႏိုင္ရန္အတြက္ ျပန္လည္ရင္းႏွီးျမွဳပ္ႏွံရန္။

Source:

https://www.telekomaustria.com/en/wholesale/mvno-mobile-reseller

Central Bank of Myanmar FIL enAct on 7 July 2017

• The Central bank of Myanmar (CBM) enact a long awaiting, eighteen months, Financial Institution Law.

• It was published on Friday 7 July 2017 

• All banks shall not exceed 20% of their financial exposure of the core capital and required to submit the report within 90 days of the announcement of the FIL .

• All banks required to maintain their liquidity ratio on 20 percent for a new loan scheme.

• The aggregate of the bank's all large exposure must be limit and shall not exceed 8 times of its core capital.

• Every banks must be report all large exposure transaction to CBM quarterly and the format were provided as annex.

• State owned bank will be allow to ignore the large exposure regulation at the direction of the government policy.

• All banks have to comply with six months with this new FIL and they required to report monthly with CBM's provided format to CBM from early 2018

• In 2003, we have suffer the crisis and collapse of Asia Wealth Bank (AWB).

• The international expertise from the banking sector added that the new law's fell short of some international standards relating to insolvency and governance of non-bank financial institutions.

Source: 

http://www.cbm.gov.mm/sites/default/files/regulate_launder/large_exposuremyanmareng6-7-2017_-5.pdf

http://www.frontiermyanmar.net/en/central-bank-enacts-long-awaited-finance-regulations

Payment Card Management System Required in Myanmar

All of the people habit land-living transport from the roadway on which we walk to the buses, trains and other vehicles that carry us. 

The Yangon Bus Service is the most popular topic in these day when they start 16 Jan 2017 in Yangon. 

We (people of Yangon) would like the land and buses transport system to get us safely, efficiently, reliably and comfortable to our destination. So that, the authority continues to build up and improve the land transport system. 

The authorities have made changes and progress on the plans and the Master Plan must be refreshed to take into account these changes. 

This initial research I've conducted on March 2017 may explore the regulator responsibility of LTA and PTC in Singapore. The consultant arm of LTA and Infocomm Media Development Authority (iMDA) regulate on the payment cards. LTA was established all subsidies such as Transit Link, NETs and ez-Link. 

PTC assign and contract with the Pubic Transport Operators (Go Ahead Singapore, SBS Transit, SMRT Buses and Tower Transit S’pore ) with Bus Control Model (BCM). 

Source:

Land Transport Authority

Info-communication media development

The following news from Myanmar Digital APP.

Yangon Water Bus တြင္ ကတ္စနစ္ႏွင့္ လက္မွတ္စနစ္ ေငြေပးေခ်မႈပံုစံ က်င့္သံုးမည္

ရန္ကုန္ ဇူလိုင္ ၁၁

မၾကာမီကာလအတြင္း စတင္ေျပးဆြဲေတာ့မည့္ Yangon Water Bus တြင္ ကတ္စနစ္ ေငြေပးေခ်မႈ စနစ္ႏွင့္ လက္မွတ္ျဖတ္စနစ္ျဖင့္ ေငြေပးေခ်မႈစနစ္တို႔ကို က်င့္သံုးသြားမည္ျဖစ္ေၾကာင္း Yangon Water Bus မွ တာ၀န္ရွိသူတစ္ဦးက ေျပာသည္။

Yangon Water Bus ခရီးစဥ္မ်ား စတင္ေျပးဆြဲႏုိင္ပါက လက္ရွိ YBS ၃၇ ယာဥ္လုိင္း (ယခင္ BRT Lite) တြင္ အသံုးျပဳေနသည့္ ကတ္စနစ္ေငြေပးေခ်မႈစနစ္ Anypay Card ျဖင့္ စီးနင္းႏုိင္သည့္ အျပင္ ေရယာဥ္ဂိတ္မ်ားတြင္ လက္မွတ္အေရာင္းေကာင္တာမ်ားျဖင့္လည္းစီးနင္းႏုိင္မည္ျဖစ္ေၾကာင္း သိရသည္။

လက္ရွိတြင္ ကုမဏီအေနျဖင့္ ျမန္မာႏုိင္ငံ ရင္းႏွီးျမွဳပ္ႏွံမႈ ေကာ္မရွင္၏ခြင့္ျပဳခ်က္ကိုေစာင့္ဆုိင္း ေနၿပီး ပါမစ္ရသည္ႏွင့္ ေရယာဥ္မ်ား ျပည္ပမွ သြင္းလာကာ အျမန္ဆံုး ေျပးဆြဲေပးႏုိင္ရန္ ေဆာင္ရြက္ ေနေၾကာင္း သိရသည္။ Yangon Water Bus ေျပးဆြဲႏုိင္ရန္ ဆိပ္ခံတံတားမ်ား၊ ေရယာဥ္ဂိတ္မ်ား အဆင္သင့္ ျဖစ္ေနၿပီျဖစ္ၿပီး MIC ပါမစ္ ရရွိရန္ႏွင့္ အဆင္သင့္ျဖစ္ေနၿပီျဖစ္ေသာ ေရယာဥ္မ်ား ေရာက္ ရွိရန္သာ လိုအပ္ ေတာ့ေၾကာင္း ရန္ကုန္တုိင္းေဒသႀကီး သယ္ယူပို႔ေဆာင္ေရး ႀကီးၾကပ္ကြပ္ကဲမႈ အာဏာပိုင္အဖြဲ႕ထံမွ သိရသည္။

Yangon Water Bus ​ရန္​ကုန္​ျမစ္​​ေၾကာင္​​း​သြား ခရီးသည္​ ပို႔​ေဆာင္​​ေရး အ​စီ​အစဥ္​၏ ပထမ​ဆုံး ခရီး​စဥ္​အျဖစ္​ လွိုင္​သာယာ- အင္​​း​စိန္​- ဗိုလ္​တ​ေထာင္​ ခရီး​စဥ္​ကို ​စတင္​ ​ေျပး​ဆြဲ​ရန္ လ်ာထားၿပီး ခရီး​စဥ္​လ​မ္​​း​​ေၾကာင္​​း ​တစ္​​ေလၽွာက္​ မွတ္​တိုင္​မ်ား​မွာ အင္​​း​စိန္​ ႀကိဳး​တံတား​အနီး၊ ဘုရင္​​့​​ေနာင္​တံတား၊ FMI အိမ္​ရာ၊ လွိုင္​ဘူတာ႐ုံ​လ​မ္​​း၊ ၾကည္​​့​ျမင္​တိုင္​(​ေဈး​ႀကီး​တံတား)၊ လသာ (လ​မ္​​း​သစ္​တံတား)၊ ပန္​​း​ဆိုး​တန္​​း(​န​န္​​း​သီတာ)၊ ဗိုလ္​တ​ေထာင္​ (တံတား​အမွတ္​ ၄ ) တို႔ ျဖစ္​​ေၾကာင္း သိရသည္။

အ​ဆို​ပါ ခရီး​စဥ္​၏ ယာဥ္​စီး​ခ​အေန​ျဖ​င္​​့ ​ခရီးသည္​တစ္​ဦး​လ်င္​ ခရီး​စဥ္​အစ​အဆုံး​ ​ေငြ​က်ပ္​ ငါးရာ​ႏွု​န္​​း ​သတ္​မွတ္​ထား​ၿပီး လက္​ရွိ​တြင္ ဩ​စေတး​လ်၊ ထိုင္း​တို႔မွ မွာယူထားေသာ သေဘၤာမ်ားအျပင္ ျပည္​တြင္း​တြင္​  မွာ​ယူ တည္​​ေဆာက္​ထား​ေသာ သေဘာ​ၤ​အစီး​၂​၀ ရွိ​ကာ ​၁​၆​စီး ျဖ​င္​​့ ​စတင္​ေျပး​ဆြဲ​မည္​ျဖစ္​ေၾကာင္း Yangon Water Bus ခရီးစဥ္မ်ားႏွင့္ပတ္သက္၍ ၿပီးခဲ့သည့္ ေမလက ျပဳလုပ္ခဲ့ေသာ သတင္းစာရွင္းလင္းပြဲတြင္ တင့္တင့္ျမန္မာ ကုမဏီ ဥကၠ႒ ေဒၚတင့္တင့္လြင္က ေျပာၾကားခဲ့သည္။

၀၀၁

Fintech News about Myanmar Links

Myanmar Fintech News on International Media

The right approach is required in Myanmar market. It should be explore in the real issue facing by the customer and provide with the right solution.
So far, my opinion is that none of the provider capable to deploy their products for the customer in recent years.


http://fintechranking.com/category/inspirasia/myanmar/

Mobile money & mobile banking service in Myanmar

The financial technology companies in Myanmar are providing several products and all new service on stream in their pipe lines.
Most of the major core products are as below:.
(1) e-Top Up
(2) Domestic remittance
(3) Utilities bills






SWOT analysis for some of leading mobile money services

True Money Myanmar Co.,Ltd

Wave Money ( Telenor & Yoma) Myanmar Digital Money Co.,Ltd




Source : Mobile_Money_SWOT_9Feb2017

Mobile Money Business Models in Myanmar

Myanmar at a glance

The financial sector in Myanmar is small and underdeveloped. Foreign banks currently are not allowed to operate in Myanmar. Use of the informal providers of credit and transfer services in both urban and rural areas is widespread.

The market is therefore large enough to attract financial technology that could significantly improve outreach while contribution to innovation in the sector. The scope for the branchless banking seems limited to the lack of infrastructure and the high cost of capital investment.

The consumer behavior of Myanmar is different from others, so that home growth strategy would be the most effective and efficient business model as it’s awareness by ASEAN countries investor in these days.

The Issues in Myanmar

Ø  The lack of an educated workforce skilled in modern technology contributes to the growing problems of the economy. 

Ø  The country lacks adequate infrastructure such as transportation, electricity, data communication.

Ø  Energy shortages are common throughout the country including in Yangon and only 25% of the country's population has electricity.

Ø  The potential for branchless banking is limited because of the monopolistic and underdeveloped status from the regulation of the communication sector.

Ø  The people of Myanmar still believe in Cash is still king, they can feel it, touch it and see it.

Ø  The Local people see as cash in hand would be more flexible to spend and carry it.

Ø  Fake Currency note are penetrating and widespread in many areas.

Market Analyst 

Myanmar – mobile banking and mobile money market overview:

MNO-Led Model

Mobile Network Operator acts as de facto “bank”. This model

places most of the regulatory responsibility on the MNO.

            Bank-Led Model

Financial services offered from a bank to their account holders through a network of agents.

            Independent model

                      Independent companies that often times establish a joint collaboration with MNO or Bank to meet the consumer demand not currently being met.

Advantages

MNO-Led

Ø Brand recognition and trust

Ø Well-developed distribution market thought Top up channel

Ø Self-funded model

Ø Familiar market segments

Ø Extensive agent networks provide better access

Bank-Led

     Bank as a driver of the service

Ø Path to full financial inclusion and financial footprint

Ø Service linked to a bank account at financial institution (i.e.: interest rate on deposit)

Ø Real time settlement of transactions linked to bank account

Ø May use POS, mobile as device, agent model and new financial products

Ø Deposit insurance

Independent

Ø Interoperability

Ø Rapid Product development

Ø Flexible partner

Ø Clear Mission

Ø Potential revenue driver

Ø Lower cost than branches

Ø Agents: typically look like MNO-led model small mom and pops, pharmacies, etc.,

Ø Clients- linked to bank account at special accounts for users

Ø Accessing new markets (client segment and geographies)

Ø New revenue stream (bill pay, G2P, cross selling etc.

Ø Cost savings (compared to bank’s branches and ATMs)

Challenges

MNO-Led

     Lack of familiarity to financial services sector

Ø Regulatory barriers

Ø Heavy upfront short term profits

Ø AML/ ATF issues

Ø Heavy agent and end user capacity building costs

Ø Agents and end user training

Bank-Led

    Depending on regulation, typically will be lower value account

Ø Many bank are also doing this a competitive and reactive measure

Ø KYC and requirement   with high information

Ø More on the documentation

Independent

   Often requires a bank partner

Ø Lack of distribution network

Ø Funding

Ø Brand control and building trust

Ø May be completely new, unfamiliar client segment-training

Ø Managing customer experience

Ø Potential for increase in Fraud

Ø Maintaining active accounts

Source: BizModel_v01