To lower integration cost, can we move authentication to (operator-distributed) payment apps? Merchant gets URL to verify authentication for that transaction.
Peer-to-Peer Payments
Growing popularity of PayPal, Venmo, Square, Orange Money, Mobile Money, etc.
What are the regulatory expectations around mobile money? (See, for example "fully KYA compliant")
Carrier Billing
Today carrier billing is primarily for digital goods and services.
For example, per Fortumo data, carrier billing is popular for digital gaming.
Carrier billing projected to increase
"Full transactional revenue derived from direct carrier billing (DCB) will grow at a far faster pace than that derived from mobile operators’ core services (data, SMS, and voice). It will also overtake SMS revenue in six years’ time." (Global Carrier-Billing Forecast Report: 2017–22)