Business consultancy project

Partnership with Pasha Bank 97

Value Creation of Mobile Financial Services 99

Service Evaluation Matrix 102

Strategic Planning 103

Process Algorithm 104

The United Business Model Development 105

1. 
   The Short-term Business Model 105
   
2. 
   The Long-term Business Model 105
   
3. 
   Service Development Process. 106
   
4. 
   Marketing Strategy 106
   
5. 
   Expected Commercial Value 108
   

Project Development Team Responsibilities. 111

10.9 Ethical Compliance of the MFS 113
Conclusions. 114
References 115
Appendices 131
Appendix 1 131
Appendix 2.-Questions (Survey) 133
Appendix.3 142

1. Introduction.

   1. Mobile Telecom Industry Outlook.

Information and Communication Technologies are the pivotal engines in the integration of the country progress. Modern technology, such as cellular communication and high-speed internet expansion accelerate business communication across the globe, and the advanced technology passed from the developed world to the other destination of the planet. The widespread acceptance of mobile phones and other mobile communication devices endorse the adoption of mobile devices in all aspects of social life. The Mobile Communication sectors have passed the enormous development stage by enhancing technological advancement and market penetration. According to the GSMA Y 2018 data, the number of unique subscribers reached 5.1 billion, and the mobile penetration rate reached 66% of the world population (GSMA Intellegence, 2019). The rapid technological development and the deregulation urged Mobile Telecom Industry to become one of the fastest-growing business sectors in the 20th century. The dissemination of the mobile services endorsed the Mobile Network Operators ( MNO) to uphold the integration and expand the vertical and horizontal enlargement. (Rautenbach, Gebhardt, & Smolny, 2013)
Besides, the emergence of the high-advanced technology capabilities enables the achievement of new horizons, and the integrated high-speed data transmission burgeons the new economic growth. Meanwhile, with the exponential penetration of Data consumption the traditional services are being impacted with the proliferation of the Over the Top services ( OTT), the text messaging and voice service revenue are gradually losing the erstwhile power. The revenue growth from the new subscription is becoming the hardly achievable objective, and the penetration of mobile communication simplified the availability of mobile service and caused the market stagnation and revenue decline. Even though the mobile industry has reached the substantial achievement, the growth rate is slowing in the last years, and according to the GSMA Global Mobile Trend Assumptions report, the accomplishment of 6 billion revenue will require a longer time. (GSMA, 2017)
Considering the mobile industry trend alternation, mobile operators are pursuing the new value creation models and the expansion of product range by acquiring new characteristics in the industry. The advancement of the new value-added services and digitalization of the ecosystem are conducted for overtaking the market saturation and revenue decline. The enhancement of 4G and 5G connections maintain the new revenue-generating opportunities by enabling favorable utilization of value-added service consumptions. (White.H, 2019) (Deloitte, 2019)

2.