Cellcard & Fortumo launch direct carrier billing in Cambodia

Leading Cambodian mobile operator Cellcard and mobile payments company Fortumo announced today the launch of their direct carrier billing partnership, which allows over 4 million Cellcard subscribers to pay for digital content by simply charging payments to their mobile phone bill.

“We chose Fortumo as our partner for direct carrier billing due to their long-term presence in Asia and their use of an advanced, reliable technological platform,” said Cellcard CEO Ian Watson. “Our subscribers will now be able to easily access content from the world’s largest digital media companies, which would otherwise be unavailable for any subscriber without access to a credit card or an online payment account.”

Siddharth Sahi, Fortumo Vice President of Business Development & Carrier Relations, said his company was uniquely positioned to provide access to both global app stores as well as leading digital merchants.

“Our partnership with Cellcard further cements Fortumo’s position as a leading carrier billing provider for emerging markets,” he said. “We are excited to work together with Cellcard and enable online payments for millions of their subscribers in Cambodia.”

More than 15 million Cambodians own a mobile phone, of which 6 million are smartphones. Over the past year, local smartphone ownership has jumped from 26% to 40%. Only 5% of Cambodians, however, own a bank card, making online payments inaccessible for a majority of people. Carrier billing provides an opportunity for both mobile operators and digital content merchants to grow their online payment reach in Cambodia through direct carrier billing.

Fortumo’s direct carrier billing platform is used by leading app stores (Google Play, Windows Phone Store), digital media companies (Sony, Hooq, Gaana) and game developers (EA Mobile, Gameloft, Rovio). To enable global carrier billing for these merchants, Fortumo partners with more than 350 mobile operators across the world.

Fortumo’s direct carrier billing platform allows users to make payments over a data connection by confirming purchases with one click on their phone. Payments are processed without any additional information required from the mobile user, which provides a significant conversion improvement compared to any other online payment method.

Meanwhile, Fortumo recently announced direct carrier billing partnerships with Reliance Communications in India, Zong in Pakistan and Viettel in Vietnam for payments on Google Play. In the Asia Pacific region, the company’s direct carrier billing platform is available to 1.5 billion consumers in 16 countries. More information on Asia’s carrier billing ecosystem can be found in Fortumo’s recent market report.

Elisa Estonia launches carrier billing on Google Play with Fortumo

The mobile payments company Fortumo and the mobile operator Elisa Estonia are today announcing the launch of direct carrier billing on the Google Play app store. Elisa’s subscribers can now purchase apps and in-app content on Google Play by charging payments to their mobile phone bill.

“Elisa is very glad to launch carrier billing on Google Play as the opportunity to purchase games, music and movies from the app store without needing a credit card is a very convenient solution for our customers. We chose to work with Fortumo for Google Play payments as they are a company with long-term experience in the payments market, operating in 94 countries. As such, they are a reliable and stable partner for us,” said Andrus Hiiepuu, Board Member of Elisa.

“Smartphone ownership globally is significantly bigger today than the amount of people who can make payments online. This is due to many people not having access to bank-based payments and others not wanting to enter their card details online due to fear of fraud. Carrier billing solves these challenges by making safe online payments available to everyone and we are very happy to work together with Elisa in launching this payment method for Google Play,” said Taavi Krusell, Carrier Sales Director at Fortumo.

Integrating Google Play through Fortumo allowed Elisa to save time and resources on development. The same integration will also allow Elisa to launch other merchants that are already connected to Fortumo’s platform, ranging from game developers to streaming service providers, social networks to financial technology companies. Elisa will also get access to Fortumo Insight which enables carriers to view carrier billing performance in real-time and make improvements to increase revenue.

Among others, Fortumo’s platform is used for app store billing by DNA in Finland, Viettel in Vietnam and Smart in the Philippines. Besides leading app stores, Fortumo also works with digital media companies (Sony, Hooq, Ditto TV, Gaana), gaming companies (EA Mobile, Gameloft, Kinguin, Rovio), digital publishers (Magzter) and financial technology providers.

In order to enable global carrier billing for these merchants, Fortumo has partnered with more than 350 mobile operators across the world, including the groups Telefónica, Telenor, Singtel, Turkcell and Kyivstar, as well as leading mobile operators in India.

Indosat Ooredoo and Fortumo Launch Direct Carrier Billing in Indonesia

The mobile payments company Fortumo and Indonesia’s leading digital telco Indosat Ooredoo are today announcing the launch of direct carrier billing. The partnership will enable 69.8 million Indosat Ooredoo subscribers’ to make online payments by charging purchases to their mobile account, without the need to use a credit card.

“We are pleased to build this strategic collaboration with Fortumo — one that will bring more benefits to Indosat Ooredoo customer and allow transactions at a wider network of merchants. We look forward to continuing to provide innovation that brings more value to our customers as part of our goal to become a leading digital telco,” said Prashant Gokarn, Chief of New Business and Innovation at Indosat Ooredoo.

Fortumo’s direct carrier billing platform is used by leading app stores (Google Play, Windows Phone Store), digital media companies (Sony, HOOQ, Gaana) and gaming companies (EA Mobile, Gameloft, Kinguin, Rovio). To enable global carrier billing for these merchants, Fortumo has partnered with more than 350 mobile operators across the world.

“Connecting with Fortumo gives mobile operators immediate access to additional revenue from all the segments of the digital industry. We are excited to partner with Indosat Ooredoo on carrier billing and look forward to growing revenue from carrier billing, the payment method with the widest coverage in Indonesia,” said Siddharth Sahi, Vice President of Business Development & Carrier Relations at Fortumo.

While there are over 65 million smartphone owners in Indonesia – [Source : We are Social], less than 5 million people have access to credit cards. This means a majority of the digital population cannot make online payments. As a consequence, digital merchants lose out on revenue from a majority of the population. Carrier billing resolves this problem by allowing any mobile phone owner (both prepaid and postpaid) to make payments through Fortumo.

About Indosat Ooredoo

Indosat Ooredoo (IDX:ISAT), member of Ooredoo Group, is building Indonesia’s leading digital telco, enabling access and greater connectivity for everybody and every business. Focusing on human growth, Indosat Ooredoo aspires to enrich the lives of Indonesians in the digital world and proactively offer solutions to fulfill their needs. The company reported 69.8 million mobile customers as per first quarter 2016 and has recorded an increase of 52.5% in data usage compared to last year. Supported by 3,000 employees, Indosat Ooredoo has recorded an increase in revenue of 11.8% compared to last year. Indosat Ooredoo was recognized in the Most Innovative Company of the Year category in the 2015 Asia Pacific Stevie Award. For more information, please visit https://indosatooredoo.com.

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Deutsche Telekom connects Fortumo for direct carrier billing

Partnership covers 250 million Deutsche Telekom subscribers in 12 markets

The mobile payments company Fortumo is today launching direct carrier billing with the European mobile operator group Deutsche Telekom. The first market to be connected to Fortumo’s direct carrier billing platform is the Czech Republic with 6 million subscribers of T-Mobile. The partnership aims to enable Fortumo to provide payments to merchants in 12 countries where Deutsche Telekom operates.

“Carrier billing is an increasingly important source of revenue for mobile operators. Fortumo accelerates this growth for carriers by enabling payments with the largest amount of top-tier merchants, ranging from app stores and game developers to digital streaming services and security solution vendors. We are excited to partner with Deutsche Telekom to increase the value of carrier billing for all parties involved,” said Gerri Kodres, Chief Business Officer at Fortumo.

Carrier billing is now the 3rd most popular payment method for digital gaming transactions, having grown 11% in 2015 and accounting for 14.4% of all online payments, according to the research company SuperDataResearch. As smartphone adoption continues to outpace the coverage of bank-based payments, digital merchants are focusing on carrier billing to generate revenue that cannot be collected with other payment methods.

Direct carrier billing allows users to make payments over a data connection by confirming purchases with one click on their phone. Payments are processed without any additional information required from the user which provides a significant conversion improvement compared to any other online payment method.

Fortumo’s direct carrier billing platform is used by leading app stores (Google Play, Windows Phone Store), digital media companies (Sony, Hooq, Gaana) and game developers (EA Mobile, Gameloft, Rovio). To enable global carrier billing for these merchants, Fortumo has partnered with more than 350 mobile operators across the world. In recent news from Europe, Fortumo announced a partnership with the mobile operator group Orange.

Digital games marketplace Kinguin launches carrier billing with Fortumo

The digital games marketplace Kinguin and the mobile payments company Fortumo are today announcing the launch of a carrier billing partnership. Kinguin users can now purchase games and in-game items from Kinguin by charging payments to their mobile phone bill, without the need for a credit card.

Kinguin’s gaming portfolio contains thousands of products at the lowest prices, ranging from downloadable games to CS:GO skins. Gamers can now buy these items through carrier billing with Fortumo and make payments in a seamless way, without having to sign up for additional accounts or enter their credit card details.

“We give our customers the freedom to choose from our wide range of payment services we offer. We have noticed demand for mobile payment services from our customers. Partnering with mobile payment companies such as Fortumo enables us to reach customers who are willing to pay by phone with best possible fees,” said Faheem Bakshi, Vice President of Global Expansion at Kinguin.

“A growing amount of gamers are located in countries where traditional online payment methods are scarcely available and where gaming growth outpaces traditional markets. Fortumo helps game developers, marketplaces and e-sports streaming platforms reach users in over 90 countries by giving anyone with a mobile phone access to online payments. We are very happy that Kinguin has selected us as their partner and look forward to growing their revenue from the unbanked audience,” said Andrea Boetti, Vice President of Global Business Development at Fortumo.

According to SuperDataResearch, carrier billing is the third most popular payment method for digital gaming transactions globally, after bank card and eWallet payments. The payment method is most popular in Latin America, Eastern Europe and Asia Pacific due to low ownership of bank cards. Only 24% of Brazilian, 14% of Russian and 3% of Thai young adults (15-24 year olds) own a credit card, according to the World Bank. This means most gamers in emerging markets are unable to make payments online. Carrier billing solves this issue by enabling payments for a younger, unbanked audience, but also for those users who are reluctant to share their credit card details online.

Besides Kinguin, Fortumo’s direct carrier billing platform is used by leading app stores (Google Play, Windows Phone Store), digital media companies (Sony, HOOQ, Gaana) and game developers (EA Mobile, Gameloft, Rovio). To enable global carrier billing for these merchants, Fortumo has partnered with more than 350 mobile operators across the world.

About Kinguin.net
Kinguin.net is one of the most popular marketplaces in the world for digital games, with thousands of products available and more than 3 million satisfied customers. Kinguin provides a vast selection of Triple-A titles and in-game products like CS:GO skins. To learn more about Kinguin please visit kinguin.net.

Fortumo publishes risk management guide for mobile operators

The mobile payments company Fortumo is today publishing its carrier billing risk management guide for mobile operators. This guide allows carriers to get a better understanding on how to monitor payment traffic for fraudulent activity and mitigate risk of bad debt by managing user spend limits while encouraging spending from legitimate users. The guide is available to carriers for free on SlideShare.

“App stores and digital companies are adopting carrier billing at an increasing rate and the global volumes have grown bigger than ever before. The flipside of this is that fraudsters also try to exploit carrier billing more, increasing bad debt and impacting the business model. The question becomes how to undermine fraud while making sure regular users would not suffer. Our guide is intended to provide actionable guidance for mobile operators on the topic,” said Gerri Kodres, Chief Business Officer at Fortumo.

Fortumo recommends carriers to approach risk mitigation from two angles. First, each carrier billing transaction should be evaluated by an automatic risk scoring engine which assesses whether a transaction seems fraudulent, i.e. whether it should be processed or not. Second, setting custom spending limits to users based on their risk score and dynamically modifying these spending limits helps lower the likelihood of bad debt.

At the same time, Fortumo urges carriers not to exaggerate with fraud management, resulting in legitimate users being unable to spend. “We have seen instances where users with a low risk score are unable to make payments due to incorrectly configured spend limits. Proper risk management deals with the threats without compromising revenue generation abilities,” added Gerri Kodres.

Risk management for carrier billing works in combination of input from carriers (subscriber identity, account age, subscriber group, provisioning status, past record), payment service providers like Fortumo (high-level market data, payment history of each subscriber, IP, cookie and geolocation information) and merchants (merchant-specific user identity and behavior information). As a combination of these criteria, individual transactions can be assessed as well as spending limits applied to specific users and user groups.

Managing risk helps carriers avoid situations where their subscribers encounter bill shock (realizing they have made more purchases than they expected). This in turn reduces customer complaints, chargeback request as well as potential issues with regulators. Having a proper risk management solution in place helps carriers increase their revenue (enabling higher spending limits and allowing transactions from low-risk, high-spending users) while minimizing revenue losses (reduced amount of fraudulent payments and bad debt).

Fortumo has previously made available to carriers its analytics platform Fortumo Insight which can be used to assess user activation, spending patterns and effectiveness of marketing campaigns related to carrier billing. The company’s new guide helps carriers decode the data available to them from a risk management perspective and for example assess how spending limits for different subscriber groups should be set up.

Globe partners with mobile payments company Fortumo for enhanced direct carrier billing service

Philippines’ number one mobile brand Globe Telecom and the mobile payments company Fortumo have sealed a partnership to launch enhanced direct carrier billing in the country. With this collaboration, over 52 million Globe customers will be able to use their mobile phones to make payments in various app stores, as well as for digital services and games.

Direct carrier billing, significantly increases the amount of users who are able to make online payments. In the Philippines, only 3% of Filipinos have access to a credit card while smartphone penetration has reached 40%and is forecasted to grow to 70% during the next 2 years. With Fortumo and Globe, more people will be able to make payments online through carrier billing compared to bank-based payments.

“The continuous rise in smartphone penetration alongside the drastic adoption of the digital lifestyle has made more and more Filipinos dependent on their mobile devices. Customers continue to be on the lookout for a better mobile experience including conveniences such as making payments. With Fortumo, we will be able to provide our customers an improved experience by providing the convenience of making payments on any app store, including the in-app purchases,” said Dan Horan, Globe Senior Advisor for Consumer Business.

“Fortumo has been the preferred choice for carriers in Asia because of our strong focus on the region and local presence. Our industry-leading platform is capable of delivering all major segments of the digital ecosystem to carriers. This includes large app stores, music and video streaming services, game developers and social networks. We are very excited to partner with Globe and enable direct carrier billing to their subscribers with some of the largest digital media companies in the world,” said Gerri Kodres, Chief Business Officer at Fortumo.

Besides app stores such as Google Play and Windows Phone Store, Fortumo’s direct carrier billing platform is used by Asia’s leading streaming providers, including Sony, HOOQ and Gaana as well as top game developers and device manufacturers like UCWeb (Alibaba), Tencent and Huawei. Fortumo’s platform is also open to any local app developer to integrate and launch carrier billing services regionally or globally.

In addition to digital content, Fortumo’s direct carrier billing platform also supports payment processing for financial services, such as topping up virtual credit cards or wallets. This is achieved through token-based, two step charging. “We are seeing a growing interest from financial service providers in leveraging carrier billing in Asia for use in their payment products. We expect the first initiatives in this segment to take off during 2016,” added Gerri Kodres.

Previously, Fortumo has launched direct carrier billing with the other mobile operators in the Philippines. The newly formed partnership with Globe means Fortumo now covers 100% of the mobile subscriber base in the country. In the Asia Pacific region, Fortumo’s direct carrier billing platform is available in 17 countries to more than 1.6 billion mobile users.

About Globe Telecom
Globe Telecom is a leading full service telecommunications company in the Philippines, serving the needs of consumers and businesses across an entire suite of products and services including mobile, fixed, broadband, data connections, internet and managed services.  Its principals are Ayala Corporation and Singtel who are acknowledged industry leaders in the country and in the region. For more information, visit www.globe.com.ph. Follow Globe Telecom on Facebook at www.facebook.com/GlobePH as well as @enjoyglobe on Twitter and Instagram.

Orange & Fortumo carrier billing partnership launches first in Poland

The mobile payments company Fortumo and the mobile operator group Orange are today announcing a direct carrier billing partnership, covering 29 markets in which Orange operates. The first country where the payment solution has been launched is Poland where more than 16 million Orange Polska subscribers will be able to make online payments by charging purchases to their mobile phone bill.

“I am more than happy that we start working with Fortumo in order to launch direct carrier billing for Fortumo’s international merchants in Poland. It was possible thanks to cooperation with Orange Group and the Group’s platform that enables partners using only one link to provide direct carrier billing to every Orange affiliate. Direct carrier billing eliminates all the imperfections that concerns Premium SMS both for our subscribers and to merchants by providing a convenient, quick and secure method of payment. I deeply believe that in the nearest future we will have a lot of services based on direct carrier billing in Poland”, said Łukasz Perzyński, head of premium rate services agency at Orange Polska.

“Fortumo’s platform enables carriers to launch payments across a wide variety of streaming services, app stores, games and social networks, taking away merchant onboarding and integration hassles from the carrier. Orange is one of the leading telecom groups in Europe, the Middle-East and Africa, and Fortumo is glad to enable digital payments for millions of Orange users,” said Gerri Kodres, Chief Business Officer at Fortumo.

According to the World Bank, only 17% of Poles have a credit card, which means online payments are unavailable to most people in the country. At the same time, 41% of Poles already own a smartphone and consume digital content online. Carrier billing resolves the gap in payments by allowing any mobile phone owner to make purchases and charge the payments to their phone bill.

Fortumo’s direct carrier billing platform allows users to make payments over a data connection by confirming purchases with one click on their phone. Payments are processed without any additional information required from the mobile user, which provides a significant conversion improvement compared to any other online payment method.

SuperDataResearch estimates carrier billing to be the 2nd most popular payment method in Poland (19.4%) after digital wallets for payments in games. Additional information on the Polish mobile market and other countries in Central & Eastern Europe can be found from Fortumo’s recent market report.

Fortumo’s direct carrier billing platform is used by leading app stores (Google Play, Windows Phone Store), digital media companies (Sony, Hooq, Gaana) and game developers (EA Mobile, Gameloft, Rovio). In order to enable global carrier billing for these merchants, Fortumo has partnered with more than 350 mobile operators across the world.

Tri Indonesia & Fortumo Launch Direct Carrier Billing in Indonesia

The mobile payments company Fortumo and PT Hutchison 3 Indonesia – the owner of 3 (Tri) GSM provider – are today announcing the launch of direct carrier billing in Indonesia. 55.5 million subscribers of Tri will now be able to make online payments with merchants using Fortumo by charging payments to their mobile phone credit.

“As a mobile broadband provider in Indonesia, we understand that digital, including online payment and other online transaction, is part of our subscriber lifestyle. Fortumo is a well recognized carrier billing provider with local expertise in Asian markets. Being able to plug in a large number of both globally and locally popular merchants through one integration was an attractive proposition and we look forward to working with Fortumo, giving more value added service to our subscribers for their digital lifestyle,” said Dolly Susanto, Chief Sales and Marketing Officer of Hutchison 3 Indonesia.

“Indonesia has one of the biggest and most quickly growing digital populations in Asia. But a majority of the population cannot make online payments due to a lacking bank infrastructure. Indonesian carriers have the opportunity to seize the payments market and increase revenue by enabling payments for digital content. We are very happy to be working with Hutchison 3 and connecting their subscribers to the world’s leading digital entertainment companies,” said Siddharth Sahi, Vice President of Business Development & Carrier Relations at Fortumo.

Indonesia has 259 million mobile phone users and 55 million smartphone users, a number which is estimated to grow 17% this year. At the same time, only 4 million people in the country have a credit card. This means most people in the country can access online content but are unable to pay for it. Carrier billing solves this issue by allowing any phone owner to make payments. As a result, both carriers and digital merchants can increase their payment coverage and revenue through carrier billing.

Direct carrier billing allows users to make payments over a data connection by confirming purchases with one click on their phone. Payments are processed without any additional information required from the mobile user which provides a significant conversion improvement compared to any other online payment method.

Fortumo’s direct carrier billing platform is used by leading app stores (Google Play, Windows Phone Store), digital media companies (Sony, Hooq, Gaana) and game developers (EA Mobile, Gameloft, Rovio). To enable global carrier billing for these merchants, Fortumo has partnered with more than 350 mobile operators across the world.

In recent news from Asia, Fortumo has announced direct carrier billing partnerships with Reliance Communications in India, Zong in Pakistan and Viettel in Vietnam for payments on Google Play. In total, Fortumo’s direct carrier billing platform is available to 1.5 billion consumers in 16 Asia Pacific countries. More information on the carrier billing ecosystem in Asia can be found from Fortumo’s recent market report.

About Hutchison 3 Indonesia (H3I)

Hutchison 3 Indonesia (H3I) is Hutchison Asia Telecom’s Indonesian subsidiary, which commenced its operations back in 2007. H3I, under the brand 3 (Tri), has since then expanded its mobile broadband network in almost all populated areas of Indonesia across the 5 main islands of Java, Sumatra, Kalimantan, Sulawesi & Bali. H3I has 2G, 3G and 4G/LTE licenses and has rolled out ultra-modern network with close to 40,000 total BTS sites, covering 86% of the Indonesia’s population. Since 2007, H3I has grown its business to empower 55.5m customers as of now, for all their digital connectivity needs. Most of 3 users are young generation & early adopters of digital era. H3I’s success is founded on commitment to innovation, leading edge mobile technology and trustworthy services, with a vision to make Indonesia a digital nation.

Fortumo launches direct carrier billing in India with Reliance Communications

Reliance customers can now enjoy a range of digital entertainment content through their mobile account based payments

India’s leading mobile operator Reliance Communications (RCOM) and the mobile payment platform provider Fortumo are today announcing the launch of direct carrier billing in India. With this development, all customers of RCOM will be able to make purchases for digital content and games by charging the payments to their mobile bill or mobile prepaid account.

Reliance customers can now enjoy a host of digital entertainment content on the move on their mobile devices, across movies, music, games and live TV, starting from just Rs. 10 for 1 day of access. RCOM customers can watch Sony TV Channels through the SonyLiv app, live Zee Channels through Ditto TV app, watch video-on-demand with Hollywood & Indian movies on BoxTV, listen to music online on Gaana, browse through Indian and International digital magazines at the world’s largest newsstand Magzter and play games of Rovio, Octro, Gamebasics and many more, all by paying through their mobile postpaid bill and mobile prepaid account.

“Leading app stores and digital content merchants are very keen to launch direct carrier billing in India due to the quickly growing smartphone ecosystem. Fortumo has emerged as one of the leaders in providing carrier billing in India. We are very excited to partner with Reliance to help launch app stores and merchants rapidly. Working with Fortumo reduces time to market and resources needed to launch carrier billing for both carriers and merchants,” said Sanjay Sinha, Country Manager of Fortumo India.

India is a market very well suited for direct carrier billing. While only 4% of people in the country have access to credit cards, Fortumo’s platform allows content partners to collect payments from any mobile phone owner. This can be done regardless of whether the consumer has a prepaid SIM card or a postpaid contract with their mobile operator.