Evina: The DCB Story and Proximus Case Study

Article written by Evina

THE DCB STORY HAS A BEGINNING AND AN END YOU PROBABLY DON’T KNOW

Mobile operators the world over will recognise the beginning of the story we outline below. Few, however, ever pay attention to how it ends. Let’s begin…

Our story starts in those early, euphoric days of Direct Carrier Billing. Back then, DCB seemed to be the ideal business opportunity for cash-hungry Mobile Network Operators experiencing the effects of declining Average Revenue Per User.

DCB appeared easy to implement, with high margins, and was very much in demand by merchants for its high acquisition rates. Suddenly, mobile operators were payment operators and the sky seemed to be the limit.

Unfortunately, the rash of consumer complaints that followed this honeymoon period very quickly exploded the payments bubble. Anxious to preserve their image and tired of dealing with complaints, the MNOs saw no choice but to severely restrict the use of DCB.

Now this is where many operators believe the story ends and that’s a real tragedy. DCB is far from just another empty pot of gold in a long list of mobile mirages.

Testimony to this is the fact that some forward-thinking MNOs recognised DCB for the promising mobile opportunity that it remained and decided to see where they could go with it.

These innovators blazed a trail and reaped the rewards. Their experiments with refining DCB saw their complaint rates collapse and their revenues increase sharply. We saw this with Proximus in Belgium and Bouygues in France. So, what happened and how did they do it?

Firstly, these operators clearly identified the problem which is the proper starting point in successfully overcoming any challenge. They realised that high complaint rates were not, most of the time, due to dishonest merchants or payment aggregators fleecing an efficient payment system.

Quite the opposite. It turned out that merchants and aggregators were likewise the victims of massive fraud. While fraud is to be expected in any monetary system, the good news is that it is not an insurmountable problem. It can be managed in DCB, just as it is managed in the credit card ecosystem.

Secondly, successful MNOs like the two mentioned above recognise that only fraud experts can beat fraudsters. And we’re not talking about just any, run-of-the-mill experts. Too many generalist companies sell what should be anti-fraud solutions offered by specialists. Even fraudsters sell anti-fraud solutions. Clearly, this is untenable.

In order to be properly secured, MNOs need to be protected by a specialist anti-fraud expert that meets three essential criteria:
·      Independence – The solution cannot belong to an advertiser so there is never any doubt as to why a transaction is validated or refused.
·      Cybersecurity focus – Too many players in the sector are unable to do all the services they provide equally well.
·      Expertise in fraud – The world of mobile payment fraud is a unique environment that requires specific expertise that can only be the result of extended practical experience and serious R&D.

By collaborating with Evina, Proximus and Bouygues soon realised their new specialist anti-fraud provider ticked all the boxes above. The result was that, for them, DCB became the wonderful opportunity it was meant to be from the very beginning.

To explain to all operators how to take full advantage of DCB, and make it a source of substantial profit, we have just published a case study detailing our collaboration with Proximus, including a study of the impact on their revenues and their complaint rate.

It can be freely downloaded here: https://docs.evina.com/case-study-proximus-x-evina

This case study reinforces one of our strongest convictions: by approaching fraud in the right way, DCB can be transformed from the payment method of the past to that of the future.

SLA Digital named 8th best-performing scale-up technology company in the UK


SLA Digital has been unveiled as one of the best-performing scale-up technology companies in the UK, ranked 8th out of 25 peers at the annual Megabuyte Emerging Stars awards, held in London last week.

The Megabuyte Emerging Stars awards are part of the Megabuyte100 award series which collectively celebrates the 100 best performing technology companies in the UK. The awards recognise the 25 best-performing, scale-up technology companies within the Megabuyte100 winning company universe.

Companies’ performance is determined by their Megabuyte Scorecard rating – a proprietary, and wholly independent, benchmarking methodology that assesses companies’ performance against five key financial KPIs. The rigour of the Megabuyte Scorecard methodology, combined with a specific focus on technology companies, have made Megabuyte’s award series the most influential and authoritative awards in the UK technology sector.

Kevin Drayne, CEO at SLA Digital commented, “This is a fantastic achievement for SLA Digital and we are delighted to be named as one of the best performing UK tech scale-ups. This accolade recognises our continued success and growth within the industry on a global scale and is testament to the hard work of our innovative and dedicated team.

SLA Digital provides carrier billing to global mobile operators, app stores including Google Play and Samsung and digital content providers including Gameloft, Playwing, Spuul, MBC and Vuclip.

Annual licence fees for mobile operators

Ofcom has today set the annual licence fees that mobile operators will pay for 900 and 1800 MHZ spectrum, from 31 January 2019.

The operators use these spectrum bands to provide mobile voice and data services, using a mix of 2G, 3G and 4G technologies.

In June, Ofcom published a consultation on the proposed licence fees that should apply for these spectrum bands. Following consideration of the responses, they have concluded that the appropriate ALFs for these bands (expressed in April 2018 prices) are:

  • 1.093m per MHz of 900 MHz spectrum; and
  • £0.805m per MHz of 1800 MHz spectrum

Ofcom are also consulting on the level of annual licence fees that should apply for the 40 MHz of spectrum in the 3.4 GHz band, and 80 MHz in the 3.6 GHz band, that are licensed to UK Broadband, which is owned by Hutchison 3G UK Limited.

Ofcom have proposed that the fees for both 3.4 GHz and 3.6 GHz spectrum would be £0.358m per MHz.  The consultation runs until 11 February 2019.

Mobile Arts launches Direct Carrier Billing with SLA Digital

Mobile Arts, a technology provider in the Middle East, has partnered with SLA Digital to further grow their revenues with Direct Carrier Billing for their premium gaming and utility applications.

Direct Carrier Billing (DCB) is an alternative digital payment channel to traditional forms of payment like credit and debit card. The solution is seamless, secure and offers a user-friendly customer experience. Customers add transactions to their monthly mobile bill or deduct from their prepaid credit.

Ashley O’Kane, Head of Marketing at SLA Digital commented, “By leveraging Direct Carrier Billing, content providers like Mobile Arts are able to quickly and easily enter new markets and access a large pool of potential customers.”

Rabih Jreish, Business Development at Mobile Arts commented, “Having the right Direct Carrier Billing partner like SLA Digital, we can help merchants and content providers to quickly and easily start in-app subscriptions in new and existing markets. Our innovative solution, “APP-IT UP”, converts any content portal to a mobile application-based subscription product by integrating our smart SDK.”

SLA Digital continues to work with Mobile Arts on expanding its connectivity through SLA Digital’s portfolio of Mobile Operators across the Middle East and Asia.

For the full story please read their press release here: