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From connectivity to financial ecosystems: Building the Telco Wallet Opportunity
Telcos already have customer relationships, digital channels, identity, billing and distribution capabilities that can provide a strong starting point for financial services. The opportunity is to connect those assets with payments, transfers, loyalty and partner capabilities through a model designed for monetization, regulatory viability and progressive scale.
When product, customer experience, partners, monetization, regulation and operations are designed together, a wallet can become the foundation for recurring use and adjacent financial services – rather than a standalone digital feature.
Add everyday financial use cases such as payments, transfers, collections and loyalty to the digital relationship customers already have with the telco.
Combine transaction fees, partner revenue sharing, cross-selling and complementary services in a model designed for recurring value.
Use regulated partners and Banking-as-a-Service capabilities to enter the market faster while preserving a path toward greater control over time.
Start with core wallet services and expand progressively into adjacent financial propositions through interoperable technology and partner capabilities.
How NTT DATA helps
Define the role financial services should play in the telco growth strategy, the target segments and the value proposition that can differentiate the offer.
Connect priority use cases with pricing, transaction revenues, partner economics, loyalty and cross-selling to build a sustainable business model.
Map the required capabilities across payments, KYC, fraud, processors, banks, fintechs and telco systems, using API-first and interoperable architectures.
Define organization, governance, risk, compliance, customer operations and partner responsibilities so the new business can operate responsibly at scale.
Move from partner-enabled market entry to progressively greater ownership of technology and regulated capabilities through a phased roadmap tied to adoption and value.
The value moves beyond a standalone payments experience toward an expandable model that combines customer access, loyalty, interoperable technology, partners and governance around new financial services.
Telcos can create new revenue paths, make the customer relationship more useful in everyday moments and expand progressively into adjacent financial services without needing to build every capability on day one.
Create recurring value through transactions, partner economics, cross-selling and complementary financial services.
Add useful everyday financial moments that can increase the relevance and frequency of the digital customer relationship.
Use partner capabilities to launch progressively while the telco builds the operating, technology and regulatory foundations for greater scale.
Extend from payments and transfers into broader financial and non-financial propositions as the ecosystem and customer adoption mature.
Customer reach, channels, identity, data and trust already create a strong starting point. The opportunity is to connect them through a model that can launch with partners, operate responsibly and expand over time into a broader financial ecosystem.
