Still Lacking the Knockout Punch?
From the Blog ProPakistani: Telenor's Easypaisa: Still Lacking the Knockout Punch? - Telenor's Easypaisa: Still Lacking the Knockout Punch? is a post from: ProPakistani The Japanese and Korean vision for mobile communication differs vastly from any other nation in the world. Operators and regulators in both countries adopted the telecommunication change not merely as a means to ease the communication link between entities, but saw it as the replacement for almost all established networks; be it business or personal. The concept dates back to when plastic money was introduced; remember the Visa advertisement, where the girl wears tight-fitting jeans and has no means to fit her wallet, so all she takes with her is her Visa card. Twist that to the 21st century, and all you need is your mobile phone now. Of course, it will be hard to replicate the models adopted in Japan and South Korea. Both exhibit natures of highly coordinated market economies, where the industry giants have developed from family control and are conglomerates with interests in several sectors. With such extensive spread, it is easier to link the telecommunication unit with the financial services unit, and deploy mobile applications to ease customer needs. Telenor, with its 150 years of international experience, took the first step towards 'mobile money transfers' by introducing Easypaisa in 2009 . Based on the regulations in financial trading, Telenor could not perform the service in its own right, and acquired Tameer Microfinance Bank to ensure all required criteria was fulfilled. The simple model adopted was a bid to cross the boundary of mobile users, enabling anyone and everyone to utilize the service. The only thing required is a copy of your computerized national identity card (CNIC). With international remittances coming online earlier this year, Telenor has reduced the burden from our slow banking networks that operate in far-flung areas. However, the burden has been placed onto small retailers and outlets, which are unlikely to be as trained or skilled in fiscal matters as general bank staff. Even then, Telenor has to be commended on enhancing the spread within its focus segment of the rural regions. The service demonstrates steps being taken to bridge the innovation gap that exists across Pakistan's population topology. One worrying factor, among others, that may need attention from Telenor is the recent study on migration from rural to urban centers. While numbers remained steady in the past few years, the recent natural calamities have resulted in a massive spike in the movement. Hence, easypaisa will need to be re-modeled to cater to two very different subsets of the population. The business model that Telenor has followed is merely the outer layer of payment solutions. Of course, business constraints will always play a role in the planning and implementation of such models. No other operator has managed to match this offering by Telenor, giving it complete control of the market for now. And it is unlikely that any of the 4 competing operators will give Telenor competition on this front. But a local logistical group may take a follower advantage, having studied Telenor's model and system, and performed a research study of how to create a deeper connection with the population, urban and rural. The group's belief is that human interaction is still perceived highly across the country, especially when it comes to money. The core feature they aim to complete with their model is removal of the requirement for a customer to travel to any market to send/receive funds or make payments. All services at your doorstep and should get done through a mere keypad! Related posts: Now Pay Wateen Bills with Easypaisa Pay wi-tribe Bills Through Easypaisa Easypaisa will Offer Saving/Insurance Services in Future Easypaisa Completes 1 Million Transactions, Worth Rs. 2 Billion EasyPaisa Gets an Urdu Website Copyright © 2010 ProPakistani.PK . Read Full Post
Package Deal
From the Blog Newsline: Package Deal - Exactly what deals did the IMF packages offer to Pakistan? . Read Full Post
Tess
From the Blog Speak Your Mind!!!: Tess - Normal 0 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:”Table Normal”; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:”"; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:”Times New Roman”; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} NAME: Tess CAGE NO: stray area ANIMAL ID: 12090162 BREED: Lab-X SEX: female EST. AGE: 2 years EST. WEIGHT: 50 lbs HEALTH: appears healthy TEMPERAMENT: friendly ADDITIONAL INFO: stray AVAILABLE DATE: 1/4 Irving Animal Shelter 4140 Valley View Lane Irving, TX 75038 Phone-972-721-2256 or 972-721-2257 Animal Shelter Hours 11 a.m. to 6 p.m. Tuesday–Saturday Closed Sundays, Mondays and city holidays To save a dog while the shelter is closed, you must call the hotline at 972-721-3597 and leave a voicemail with your information and the animals name and ID number. You also need to e-mail the same information to the shelter supervisor, Laura, at lforsythe@cityofirving.org Adoption fee-$70-100 (includes vaccinations, heartworm test, spay/neuter or $50 voucher, microchipping, and 30 days pet insurance) . Read Full Post
Fanny
From the Blog Speak Your Mind!!!: Fanny - Normal 0 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:”Table Normal”; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:”"; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:”Times New Roman”; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} NAME: Fanny CAGE NO: stray area ANIMAL ID: 12128101 BREED: Terrier-X SEX: female EST. AGE: 2 years EST. WEIGHT: 30 lbs HEALTH: appears healthy TEMPERAMENT: shy, but friendly ADDITIONAL INFO: stray Irving Animal Shelter 4140 Valley View Lane Irving, TX 75038 Phone-972-721-2256 or 972-721-2257 Animal Shelter Hours 11 a.m. to 6 p.m. Tuesday–Saturday Closed Sundays, Mondays and city holidays To save a dog while the shelter is closed, you must call the hotline at 972-721-3597 and leave a voicemail with your information and the animals name and ID number. You also need to e-mail the same information to the shelter supervisor, Laura, at lforsythe@cityofirving.org Adoption fee-$70-100 (includes vaccinations, heartworm test, spay/neuter or $50 voucher, microchipping, and 30 days pet insurance) . Read Full Post
Working Girls
From the Blog CHUP! – Changing Up Pakistan: Working Girls - This past weekend, the NY Times published a video report by Adam Ellick, which delved into the growing number of lower-class women in Karachi entering Pakistan's service industry. In the accompanying article, he wrote, "The women are pressed into the work force not by nascent feminism but by inflation, which has spiked to 12.7 percent . Read Full Post
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