Business consultancy project
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- 10.9 Ethical Compliance of the MFS.
- Conclusions.
- References
Figure.50 Project Timeline 10.9 Ethical Compliance of the MFS.The ethical compliance composes the principal guideline of any service or product development. The alignment of the service peculiarities with ethic compliances enables the effectiveness and efficiency of the service utilization and prevent any unprecedented obscurities in the service deployment process. In the execution of MFS, the key objectives of ethical compliance must be followed. Appropriate design Efficiency Simplicity Excellency Privacy The accomplishment of service deployment must be performed inefficiently, and in order to eliminate any imperfection in service deployment, all particular testing must be finalized before the commercial launch. Besides the technical accuracy, the service design and the utilization instructions have to be structured in the elucidate way for customer understanding. The mobile payment information of any customer will be kept private and be available only for Azercell and Pasha Bank correspondingly. Conclusions.This Business Consultancy project is not applicable to the broader concept. It mainly evaluated the opportunity of the launching MFS in Telecom Industry based on the current environment. Considering the main research objective of this BCP, which is the evaluation of the opportunities and threats of entering the MFS market for “Azercell Telecom” in order to increase revenues and improve market position, two business models (1st and 2nd stages) have been reviewed during the research process. According to the first business model, which was based on the short-term period of 6 months, all three participants of the project: “Azercell Telecom”, Pasha bank and Data Clearing Center (DCC) are not focused on the revenue creation in such a short timeframe, rather concentrating on the customer acquisition. The 1st stage is presumed to increase MFS awareness of the potential customers and maintain the customer base for the 2nd stage long-term business model. While, the 2nd model designated for the long period of time is mainly aimed at the generating of the additional revenue stream for the Company, strengthening of customer retention, reducing the costs of the money transaction process. Despite that according to the financial feasibility projections, in the first and second periods (each period with a duration of 6 months) company will not gain any revenue, which is expected to be generated after acquisition of the extensive customer base in a 1-year period - when “Azercell Telecom” will experience a significant growth of revenue. Consequently, the service will be beneficial in the long run period and will be considered as a new revenue stream with the growth of economies of scale. Furthermore, for assessment of the expected success of the deployment of mobile financial services in “Azercell Telecom”, quantitative (questionnaires) and qualitative (external and internal interviews) analysis techniques were implemented to determine the customer demand of the services. All interview respondents underlined the improving financial literacy of customers as a share of online payments made through mobile applications, and web platforms are increasing. Meanwhile, questionnaires results revealed the preferable payment tools for mobile bills and utility expenses. The majority of respondents make mobile utility payments via online payment portals and use mobile applications for this purpose. 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