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    Presentation Telenor-1

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    iqra ishfaq
    Case study of telenor Pakistan

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    Presentation Telenor-1

    Uploaded by

    iqra ishfaq
    18 views15 pages
    Case study of telenor Pakistan

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    Presentation telenor-1

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    Case study of telenor Pakistan

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    18 views15 pages

    Presentation Telenor-1

    Uploaded by

    iqra ishfaq
    Case study of telenor Pakistan

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 15

    ic es

    ci al serv
    fin a n
    rk t o
    e two
    l a r n
    cel lu
    from Group Members:
    Minahil Ishfaq ,Um e Rubab
    Rubina Shaheen & Sara Ghazanfar
    TELENOR
    BRIEF OVERVIEW OF TELENOR GROUP:

    • Telenor is one of the largest mobile operators


    worldwide.
    • NORWAY based telecom company.
    • Amundsen Naevdal (CFO) of Telenor group from 2017-
    2020.
    • Telenor Owns network in 8 countries.
    Telenor Pakistan
     Telenor acquired license from SBP on April 2004 and on 15th march
    2005, Telenor officially launched in Pakistan.
     Subsidairy of TELENOR GROUP.
     Subscription based on 47 million
    customers.

     Providing digital financial services i.e


    EASYPAISA
    STATE OF TELECOMMUNICATION
    MARKET IN PAKISTAN
    According to Pakistan telecom authority (PTA );
     Total number of mobile users are 184.7 million
    by the end of 2020
     Mobile penetration 86.2%

    Currently Five major mobile networks in Pakistan i.e


    1. Telenor
    2. Jazz
    3. Ufone
    4. Zong
    5. CMPak (operating under the brand name china mobile)
    Directive to seek a “growth story” :
     Cellular services:
    Telenor’s cellular service ARPU in 2020 ------ NOK 72(USD 8.3)
     Focus on emerging markets
     Financial services
    Telenor’s financial service ARPU in 2020 ------ NOK 17(USD 2)

     Banking services

    Opportunity in the Financial Services Sector :


     Pakistan’s mainstream banking industry in 2007
     Low financial inclusion
     Limited brand network
     High costs
     Limited technology
     Low awareness

    • Entry of microfinance banks


    Telenor Pakistan: Evaluation of “Assets” for
    Financial Services:

    1. Cellular network
    2.  Large customer base
    3. Brand reputation
    4. Technology infrastructure
     DELIBERATIONS ON MOBILE FINANCIAL SERVICE
    MODELS:
    1. Bank-led 2. Non bank-led 3. Hybrid model
    KEY SUCCESS FACTORS:

    Here are some of key success factors that helped Telenor to


    becoming a leading player in the industry;

    1. Focus on emerging markets


    2. Customer centric approach
    3. Operational efficiency
    4. Innovation
    “Branchless Banking” Models
    Proposed By the SBP 
     In June 2007,SBP issued draft
    policy on legal framework.
     It discusses their risk and regulatory
    requirements.
     It concluded that mobile banking
    are safest in initial.
     SBP requires bank to control the
    actual cash accounts.
    Naevdal evaluation:
     Engaged with TMFB.
     Start of 2008, Bjaerum was recruited by the Telenor group.
     Bjaerum point of view

    Wait & see Approach


    Example : Mobilink as a mobile financial service provider
    CONCLUSION:
    1. Expansion from cellular to financial services.
    2. 3 basic building block in mobile financial services i.e ;
    - Agent driven service (cash in/cash out , bill payment etc.. )
    - Digital payment (payment services, provides wallets)
    - 3rd party (insurance , loan & credit facility)
    3. Challenges in the financial services industry:
    - Competition
    - Customer gaining was difficult
    4. TELENOR’s vision:
    - Cashless society
    - full benefit of communication services
    THANK YOU
    ??
    ??
    Y ??
    N
    A N S
    I O
    S T
    U E
    Q
    ic es
    ci al serv
    fin a n
    rk t o
    e two
    l a r n
    cel lu
    from Group Members:
    Minahil Ishfaq ,Um e Rubab
    Rubina Shaheen & Sara Ghazanfar

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