etisalat.ae Issue 15 | November 2013
Etisalat Business Update
The whole world in our hands Etisalat partners with public and private institutions to deliver the vision of a smarter world
INSIDE
Smarter solutions
SME services
M2M
MPOS
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I
Management speak
Managing success
Abdulla Hashim, Senior Vice President, ICT, Etisalat
When it comes to urban competitiveness, it’s time to get smart. Cities around the world are deploying ICT to generate social and environmental capital, and the Middle East is at the forefront of this drive. Governments, operators and IT providers are partnering up around the world to prepare nations for this transition. In this region, Etisalat is leading the charge. We have been committed to transforming from flagship carrier to regional ICT service provider, and our progressive plans to benefit the national economy are setting the standards for smart solutions. In line with the technology vision of His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE, and Ruler of Dubai, we want to help make our cities smarter with our underlying infrastructure and our emerging enabling platforms. Whilst it is a tough job, we are also lucky to be in a region that possesses the necessities to enable rapid ICT growth. Through continuous investments by Etisalat over the years, the UAE now boasts a telecommunications ecosystem that every country in the world would be envious of. The Dh19 billion we invested on laying out the much-celebrated Fiber to the Home (FTTH) network is testament to our commitment to this vision. Both coverage and broadband speeds stand amongst the highest rates in the world. Perhaps the most important statistic, however, is that of mobile penetration, which the UAE holds the world record for at 170 percent. It is this trend which is really driving the transition to a ‘smarter world’, and Etisalat fully realises that the future is based on services available via smart devices. The recent launch of the ‘Smart Nol’ service, which allows Dubai commuters to purchase Metro tickets via NFC-enabled smartphones, is just the latest example of this realisation. Initiatives like this are firmly in line with our longterm strategy to support mGovernment and other similar drives to raise the profile of the country, and to positively impact the lives of the UAE’s people. Furthermore, our Emirates Energy Start (EES) programme continues to gain momentum. Etisalat SIM cards can now gauge how much energy is being utilised in a building and reduce consumption through efficiency measures. As more and more businesses adopt M2M technology, we will all start living smarter. There are already 83 buildings in UAE using energy-efficient M2M solutions, and we expect this number to rise rapidly as more enterprises are exposed to the technology. That said, the responsibility to bring the Middle East forward into the smarter age lies not only with Etisalat. To achieve this task, it is on all entities, be they business competitors or government departments, to work together and to cement long-lasting partnerships. Only by working together can we really turn the smart city concept into a reality, and Etisalat welcomes collaboration on any level if it means the results will contribute to the development of the country. At this year’s GITEX Technology Week, we demonstrated our willingness to form meaningful partnerships. We also dedicated our presence at the mammoth trade show to displaying our smart solutions across multiple verticals. These offerings help organisations increase workforce mobility, employee productivity and network efficiency, while reducing cost and complexity. You can read all about our smart technologies in this issue of ICT Insight. Enjoy.
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Smarter solutions
Building a smarter world With its new Smart Solutions offerings, which are tailored to specific industry verticals, Etisalat hopes to put an end to the one-size-fitsall approach peddled by all too many solutions providers. Instead, the company believes a more considered, bespoke approach is the answer to creating smarter industries.
While Etisalat has tailored Smarter Solutions for specific industry verticals, there is one common trait that unites all of its Smart offerings – they’re about getting the right information to the right people at the right time. At least, that’s how Sahebzada Haider Khan, Senior Manager, Business Development, Etisalat sees things. “When you discuss this at a high level, it really is about removing any delay that comes in any interaction that exists between provider and receiver. If you look at these specific verticals, it’s about giving people the right information at the right time,” he says. Etisalat’s Smarter Solutions business unit was set up earlier in 2013 in order to bring tailored technological solutions to market. Instead of expecting customers to bend their businesses to the technology currently available, the ICT solutions provider now hopes to offer technology mixes that are designed specifically for various verticals.
4
ICT Insight
Already, Etisalat has made strong inroads into the
Meanwhile, solutions like Vehicle Tracking and Field
healthcare, transport and education sectors, among others.
Force Automation can provide a wealth of invaluable
For example, the company recently made available
data (the right information), helping business heads
its Digital Hospital offering, which aims to create a
(the right people) to make better decisions about the
complete digital care ecosystem. The solution unifies
company’s operations going forward (the right time).
communications and information flow across internal
To come up with such solutions for these verticals,
and external subsystems, with components spanning
Khan has a specialist team of industry-vertical experts,
from handheld mobile devices to back-end ICT
whose job it is to delve deeper into the industries
infrastructure and expert services.
that Etisalat wants to help modernise, whether it’s
Etisalat can also add and integrate new health ICT
government, healthcare, transport or any other specific
products and services into existing environments, negating
vertical. Through research and customer consultations,
the need for a complete rebuild. And the ICT solutions
the team is able to identify key industry drivers, as well
provider recently announced the availability of a cloud-
as challenges that need to be overcome. From there,
based Picture Archiving and Communication System (PACS).
it’s simply a case of making available new technologies
According to Khan, Etisalat’s positioning of its
that can help to either accelerate business drivers or
Smarter Health offerings is a perfect illustration of the
else conquer business challenges.
need to get the right information to the right people
“In my team, we have industry-vertical experts, and
at the right time. “Better decision making is dependent
their job is to get deeper into that industry so that
on that and those three things need to happen. What
any propositions that we do bring to market are the
we believe is that technology can help them do that.
ones that the industry wants and needs. Sometimes
What we’re enabling is information,” he says.
we might be slightly ahead of their requirements, and
Likewise, the sentiment is echoed when discussing Etisalat’s Smarter Education Services, which range
sometimes it’s a case of filling out a need that they already know about,” Khan says.
from offerings for collaborative and virtual learning to
In many cases, no matter the vertical, organisations
campus safety and security surveillance. The company
simply want to operate more efficiently, Khan adds.
also offers such technologies as a cloud learning
Etisalat’s role, then, is simply to provide the technology
management
that can drive better efficiency.
system,
smart
classrooms,
mobile
Sahebzada Haider Khan, Senior Manager, Business Development, Etisalat
applications, and, of course, high-speed Internet
“How business is done hasn’t changed over the
access in order to better serve students and teachers.
years. People are in business for certain reasons. The
Of course, no vertical is completely similar to the
commercial part of those reasons is to do things that
next, so extra considerations need to be taken into
add to the bottom line. The way they do that is to
account when discussing education, according to Khan.
improve their revenue and reduce their costs. That
“I think, in education, one of the major challenges is
element hasn’t changed since the dawn of time. What
around allowing the knowledge to be delivered not only
we look to do is assist the organisation to do that, and
at the right time and in the right place, but having that
provide better efficiencies for them so that they can
interactivity that leads to deeper understanding of the
operate better,” Khan says.
information people are looking at. We feel that, because we
Though Khan believes that he and his team have
are the technology provider, we can provide that,” he says.
been extremely successful in determining key industry
Etisalat’s offerings for the transport vertical provide
drivers and bringing the right products to market, he
another example of taking that right-information,
also says that Etisalat is only at the beginning of what
right-people, right-time concept and building on it with
promises to be an enlightening journey.
next-generation solutions. With its Smarter Transport
“We are the biggest carrier, and we’re the best
and Logistics solutions, the company brings together
carrier of information. We’ve got to now think about
core technologies such as Smart Networking, cloud,
what scenarios those people operate in and how we
mobility, M2M and security, providing insights on
can best provide that information to them,” he says.
schedules, routes, hazards and vehicles.
Etisalat Business Update
5
Smarter solutions
A broader Reach Etisalat’s Smarter Solutions reach across several industry verticals, and Mehdi Quraishi, Senior Director, Product Management & Marketing, takes us through more of the company’s vertical based smarter technology offerings.
When it comes to using technology to drive smarter business, Etisalat believes that the UAE is well ahead of the curve. With recent trends like social media, Big Data, Mobility and the Cloud all having profound effects on the way the companies do business in UAE. In relation to the rest of the world, UAE is showing a bigger willingness to adopt emerging technologies and use them to drive smarter business. At least, that’s how Mehdi Quraishi, Senior Director, Product Management and Marketing Etisalat, sees things. “At Smarter Technology we understand the importance of precise and efficient business strategies and how information technology should support critical business processes. We understand because we have been providing successful strategic business solutions to a variety of industries. We know that more technology is not necessarily better technology. We know that working smarter is better than just working harder,” he says
6
ICT Insight
Etisalat offers a portfolio of Smart Solutions to provide reliable, efficient and sustainable infrastructures—optimized to reduce costs today while providing a platform for the innovations of tomorrow. Our smart solutions employ innovative technologies that use advanced data analytics to help enterprise enable new energy-conserving initiatives, plan for secure networks, improve the performance of mission-critical applications, improve business processes through wireless technologies and
enhance
resource
utilization
through
energy
management services, according to Mehdi. We are able to deliver the smarter technology solutions because etisalat, invested in core infrastructure such as fiber optic and LTE network which is now contributing to the development of other sectors such as education,
At Smarter Technology we understand the importance of precise and efficient business strategies and how information technology should support critical business processes.
healthcare, business, banking, hospitality and others. Today Etisalat got the highest 4G LTE speed in the world,
Mehdi Quraishi, Senior Director, Product Management and Marketing, Etisalat
reaching speeds of 300 Mbps. This is a breakthrough
Etisalat Emirates Energy Star programme which delivers
for the international telecommunications industry and
energy efficiency through Managed Energy Monitoring
establishes etisalat as a global leader in mobile broadband,
Services. The smarter energy solutions leverages upon
according to Mehdi.
Machines to Machines Technology (M2M) and aims to
It is with this in the mind that etisalat has opted to help
reduce the energy consumption of the UAE by monitoring
drive this advancement with its smarter solution offerings.
the building in real-time 24x7, comparing actual energy use
Targeting key industry verticals, wherein real business
with the forecast base load, and identifying the cause of
needs are addressed, the smarter solutions aim to use
any variations from the expected consumption, energy use
technology to help organization rum more efficiently.
can be optimized.
Today’s high-powered consumers make decisions on the
Etisalat is enabling UAE Hotels to offer a differentiated
go, which means mobile devices have become portable
Internet guest journey in the hospitality sector. Through
offices and points of sale in their hands, according to Mehdi.
the bandwidth on demand offering, Etisalat is able to
Etisalat recently announced mobile point of sale (mPOS)
deliver an end-to-end high speed internet access (HSIA)
offering as part of their smart money which revolutionize
solution, covering conferencing, public area and in-room
retail and payments.
requirements. These solutions provide more choice to the
According to Mehdi, Mobile POS technologies are
hospitality service provider and underline Etisalat’s position
bringing new opportunities and challenges for all players
as the leading ICT service provider for the sector, according
along the entire value chain. Mobile POS solutions were
to Mehdi.
initially offered to micro and small merchants with card
“We have delivered next generation cloud based High
acceptance functionality. But mPOS isn’t only for micro
Speed internet Access (HSIA) service which will support
merchants anymore. Big retailers want robust mobile
hoteliers in providing solutions to the ever-increasing
POS solutions enabling integration with their complex
bandwidth demands and expectations in the digital age,”
backend systems.
he says.
A lot was talked about internet of things and M2M.
Another area focus for Etisalat is in supporting the smart
We at Etisalat has launched M2M Control Center Which
government initiative by incorporating the capabilities of
enables customers to manage connected devices the smart
social, information, cloud and mobile technologies. The
way. It empowers customers to take control over their own
above forces have
business processes with a robust set of self-service tools,
worked together to offer new ways to permanently
so customer operations are more efficient and profitable.
improve how governments serve and interact with the
It delivers a powerful automation engine, so enterprise can
needs and expectations of the public. “ Smart government
scale operations while driving value to the bottom line. It
enables collaboration among government entities, nonprofit
also gives enterprise the depth of intelligence that need to
organizations, private-sector companies and the public,”
respond in real time to market conditions and to customers.
according to Mehdi
Etisalat Business Update
7
Interview
Contributing to growth With the UAE’s SME segment playing such an important part in the country’s economic growth, Etisalat has tailored its offerings to provide SMEs with affordable and reliable ICT support. 8
ICT Insight
With the UAE’s economy now back in full swing, it has become increasingly clear that much of the country’s growth is coming from the small and medium enterprise (SME) segment. Earlier this year, Mohammed Al Shehhi, Undersecretary, UAE Ministry of Economy, said that SMEs made up more than 60 percent of the UAE’s GDP, and that these companies provided 86 percent of all private sector employment. For any technology provider in the Middle East, then, the SME segment is hardly one to ignore. And this is why Etisalat has recently been at pains to show its recognition of the importance of the UAE’s SME segment. “Etisalat views SMEs as a very important segment for the country because SMEs are the engine of growth for
any economy, and especially for the UAE because the UAE
Etisalat also offers SME-centric security services,
is trying to position itself as a business hub,” says John
including intrusion prevention, Web security and email
Lincoln, Senior Vice President, Business Marketing, Etisalat.
security, among others. Lincoln says that any particularly
“You can see why SMEs are very important. In macro-
security-conscious SMEs can even take advantage of
economic terms, imagine if there was no SME growth in
a unified threat management (UTM) solution through
this country - the economy would putter. Most employees
Etisalat.
are employed by SMEs if you really think about it, and
Storage is another big area for Etisalat’s SME
those employees purchase things in the economy.
customers, he adds, so the company encourages SMEs to
They use the services of other SMEs and retail outlets,
think about disaster recovery and back-up, in case they
restaurants, hotels and all these other things that people
find that mission-critical data is lost. “Imagine if one or
do in the UAE.”
two of the key employees leave, and take away all the
Etisalat’s interest in the SME segment is two-fold. For a start, it would be ludicrous for the company, as an ICT solutions provider, to not tailor offerings for such a large
John Lincoln, Senior Vice President, Business Marketing, Etisalat
information on all the suppliers, all the purchases, and all the employee details. Low and behold it’s gone, and the business is dead,” Lincoln explains.
chunk of the economy. But perhaps more importantly, the
Etisalat also offers communications management –
company wants to help contribute to the UAE’s growth,
whereby email servers are set up along with phones
and so it has worked out how to provide SMEs – which it
etc. All of these offerings, Lincoln says, address the four
defines as any company with less than 100 employees -
needs that modern SMEs have – value for money, the
with affordable and reliable ICT support.
ability to turn Capex into Opex, convenience and a lack
Granted, some of the UAE’s SMEs could be considered
of complexity.
IT leaders with little need for Etisalat’s support, Lincoln
But the solutions provider goes further than simply
says. However, the vast majority of SMEs have four basic
providing SME customers with what they need. Lincoln
needs when it comes to IT. Firstly, they need value for
says that Etisalat encourages SMEs to implement more
money, which translates into pricing predictability and
solutions to give them added business value. The thinking
transparency. Secondly, they want to convert Capex to
is, he explains, some SMEs may assume that they run
Opex because most of their cash is tied up in the business.
just fine without the added expense of extra technology
Thirdly, they want convenience, meaning easy access
solutions, but Etisalat can provide them with inexpensive
to hardware and services. Lastly, they want as little
Software-as-a-Service (SaaS) solutions so that they can
complexity as possible, simply because they can’t afford
achieve better efficiency.
to hire expensive IT administrators.
“For instance, most SMEs have not really gotten into
“From this, we have multiple propositions that are
CRM systems. It’s very simple, CRM – you need to track
targeted at SMEs. Of course, the core telecoms services
your sales, track your orders, in order to give good customer
are bundled and meet these criteria – you get a basic
service. The second thing is with financing and accounting
phone that you don’t have to pay up front for. You can pay
applications, and the third thing is HR applications. In this
monthly, and it’s also subsidised and the prices are very
part of the world, with labour restrictions and work permits,
transparent,” explains Lincoln.
everything needs to be tracked and managed, and all the
“We also believe that, with most SMEs, the IT systems
information needs to be stored. So our HR management
are mission-critical. And if it’s down, it affects their
systems are also available. And instead of paying
business operation, and most SMEs don’t realise this. So
thousands of dollars in licence fees, or using unlicensed
we do basic LAN management. From CAPEX, they pay on
software, we offer this through various partners on a per-
a per-site, per-port basis.”
user, per-month model,” Lincoln says. What’s more, with Platinum-level services available, SMEs can make use of dedicated account managers,
We believe that, with most SMEs, the IT systems are mission-critical. And if it’s down, it affects their business operation.
and all verticals are catered for. Indeed, Etisalat’s SME offerings are so comprehensive that Lincoln believes the solutions provider offers SMEs the most advanced services in the market today. And as the SME segment continues to drive the UAE’s economy, Etisalat will be right behind these businesses, supplying them with the technology they need.
Etisalat Business Update
9
M2M
Total control Having gradually evolved across the value chain in the machine-to-machine (M2M) market, Etisalat has made a regional first by launching the M2M Control Center, which promises to be one of the most comprehensive SIM-management platforms on the market.
Etisalat has been leading the way in innovation
Already, several deployments have been well-
and building new capabilities by synergising its
documented. For example, Dubai’s Roads and Transport
state-of-the-art mobile network in the machine-to-
Authority has deployed smart parking meters, which
machine (M2M) market for more than six years now.
are all connected to the RTA back end systems using
Originally, the company focused simply on providing
Etisalat’s M2M connectivity. The RTA also makes use of
the connectivity that would link various machines
Etisalat’s connectivity to monitor its fleets of taxis and
– through SIM cards and data packages – though in
buses, thereby gleaning valuable information so that
recent years, Etisalat has considerably upped its game
the fleets can be run more efficiently.
when it comes to M2M.
10
ICT Insight
These M2M solutions are no doubt impressive in their
Now, the company has “evolved across the value
ability to drive better business efficiency. However,
chain”, according to Zakaraya Alashek, Senior Manager
according to Alashek, the “crown jewel” of Etisalat’s
for Product Marketing, Mobility Solutions and M2M,
current crop of M2M offerings is the newly launched
Etisalat. Instead of simply providing the means to
M2M Control Center, a sophisticated, cloud-based platform
connect various devices to one another, the ICT
offering unique capabilities that enable enterprise
solutions provider now offers M2M platforms, M2M
customers to launch, manage, and rapidly scale connected
applications and M2M devices.
device businesses or deployments. The platform promises
“As a result, enterprises can get to market quickly, run their operations efficiently, and grow their business profitably. This proven platform is used by organisations around the world in a broad range of M2M applications including
vehicle
telematics,
consumer
electronics,
healthcare, point-of-sale, fleet tracking, asset monitoring, energy,
and
telemetry.
Control
Center
promises
continuous innovation paired with software-as-a-service (SaaS) delivery to ensure that companies have the very latest technology to manage their connected devices most effectively now and in the future,” he says. Zakaraya Alashek, Senior Manager for Product Marketing, Mobility Solutions and M2M, Etisalat
The M2M Control Center also provides the possibility to run SIM diagnostic tests, coming with tier-1 and tier2 support functionality, Alashek says. “If customers have any issues with running the applications or connectivity, they can do diagnostics, so they will get to know what’s happening in terms of whether the SIM’s connected to the network, if the SIM’s connected to the device, or if the device is working,” he explains. The M2M Control Center also offers enhanced device automation, and allows users to set custom rules about what the SIM should be doing. Alashek says that customers can use the Control Center to automate business processes, respond instantly to specific
The M2M Control Center provides enterprises with a global view of the activity of all their M2M SIMs, and enables them to drive efficiency and profitability.
events, and drive advanced interactions between devices and their own web applications. The Control Center also offers open APIs that support deep integration with customer applications, according to Alashek. He says that customers can integrate the Control Center’s output through APIs to their own applications. This means that they do not need to use the Control Center to glean the information – they can simply source the information from the Control Center,
to give customers global visibility into the activity of all
and run it through their own platforms, if needs be. Whether a customers wants to use the Control Center
their SIMs on the Etisalat wireless network. “M2M Control Center is a hosted platform that allows
interface or not, Alashek is convinced that they will see
SIM management. In this case, customers can monitor
a significant return on investment upon availing of its
the activity on their SIMs, and they can get to know
capabilities.
all about the usage of their SIMs and all their M2M
“Through the technology, or the components of the solutions we provide, we increase business
applications,” he says. More than this, however, Alashek says that the M2M
efficiency, the time to deliver to the customer, customer
Control Center enables customers to drive efficiency
satisfaction, et cetera. And that will definitely help to
and profitability, empowered with robust self-service
reduce on costs in the long run,” he says.
and
The M2M Control Center represents something of a
usage controls, as well as streamline operations and
turning point for Etisalat, as it has decided to take the
scale faster with a powerful automation engine. The
M2M market head-on, according to Alashek. He says
solution can also help users gain strategic insight and
that M2M is a global trend, and it makes sense for the
manage their businesses with an unparalleled depth of
UAE’s largest carrier to involve itself in the whole chain
intelligence, he adds.
– rather than just the connectivity aspect of the market.
tools
for
provisioning,
real-time
diagnostics
Etisalat Business Update
11
from pa Era Before Security
Era of Pain
1999 Not Much Online Commerce, Not Much thinking About Security
1999 Worldwide PC shipments
$20 million
1999 Worldwide Security Software
$3.8 Billion
Security submarkets tracked by IDC 1999 Antiviral, Firewall, Encryption, Security AAA
Web commerce grows; hackers take notice, mischief turns to theft
Worldwide E-Commerce Spending (B2B & B2C) $B
2012 Worldwide PC shipments
$371.1 million 2012 Worldwide Security Software
$19.3 Billion
Security submarkets tracked by IDC 2013 Identity and access management; Advanced authentication; Web single sign-on; Enterprise single sign-on; Legacy authorization; User provisioning; Personal portable security devices; Software licensing authentication token; Unified threat management; Intrusion detection and prevention; Virtual private network; Security and vulnerability management; Security information and event management; Proactive endpoint risk management; Forensics and incident investigation; Security device and systems management; Vulnerability assessment...
8000 7000 Code Red costs top $2B
6000 5000
Slammer Worm infects an estimated 150,000 to 200,000 servers worldwide
$6,884B
I LOVE YOU Emerges
4000
DataLossDB.org incidents 2004-2007
3000
644
2000
774
$357.4B
1000
43
0 2000
2001
2002
2003
2004
157 2005
2006
2007
2008
ain to empowerment Era of Empowerment
Era of Obtrusive Security
2016 Enterprises lock-down infrastructures. Breaches mount.
Cloud, mobile and consumerization disrupt IT. Security empowers business.
Web grows as a top threat source Top security challenges facing large enterprises over the next 12 months
64%
60% EMPLOYEE USE OF WEB 2.0
DIFFICULTY SECURING WEB APPS
2007 Yes
55%
No
45%
Complexity of security solutions Increasing sophistication of attacks Increasing volume of threats and/or attacks
2008
2009
2010
Does your organization have a formal documented security policy?
Which if any of the following is your company currently using/likely to purchase or implement during the next 12 months?
63%
53% 61% 63%
$67B $29B
2011
2012
Yes
No 35%
37%
IT-CONTROLLED
BYOD
Worldwide cloud revenue ($B)
Top rated enterprise security challenges (a five year comparison)
45% 45% 41%
How would you describe your mobile device environment?
659
65%
Data loss prevention: 62% Network Admission Control: 57% Employee Monitoring Solutions: 57%
Any potential security risks cloud computing or SaaS introduce are far outweighed by the benefits.
2013
2014
2015
SMARTPHONE SHIPMENTS (M)
45% 33% 22%
AGREE DISAGREE NEUTRAL
2016
1,161 63% 23% 14%
Employees using personal smartphones at work understand the risks, and are aware of security proper security practices.
Source: IDC and Blue Coat
Source: IDC, Gartner
Executive Brief
Next-gen retail Expanding card acceptance to small merchants globally through Mobile Point of Sale (MPOS) dispersed base for increasing payments. Furthermore, this expansive phone base can deploy payments functionality with essentially no marginal costs; smartphones enjoy economies of scope with respect to payments acceptance.
2
The ability to remove this cost barrier to wider acceptance by small merchants presents merchant
acquirers with an attractive growth opportunity. In developed markets, there is an opportunity for cardholders to conduct commerce with an expanded set of merchants. In emerging payments markets, cards themselves will become more attractive as the transaction costs associated with their usage diminish relative to cash as a result of widespread acceptance.
3
Finally, new business models have emerged with the potential to achieve scale in the small business
In developed payments markets, where acceptance has been
segment under a variety of market conditions.
generally widespread, some markets focused on intensifying
A number of companies providing MPOS technology
card spend in everyday purchase categories during the 1990s,
and pursuing innovative business models have emerged.
displacing cash and checks. In emerging markets the challenge
Their approaches range from the provision of necessary
has been more complex, emphasizing expansion of acceptance
hardware to enable MPOS (e.g., card reader accessories,
in new and existing categories in parallel with card issuance in
sometimes referred to as dongles) to innovative processing
order to increase the overall utility of electronic payments.
models for acquirers that bring these processing capabilities
The small business segment is an area of acceptance
in-house or provide them on an outsourced basis (e.g.,
expansion that has not been fully explored. In both developed
Payment Platform model and Payment Facilitator model).
and emerging markets, value chain participants have faced
In assessing the business opportunity of expanding
structural barriers as they have sought to extend acceptance
acceptance into this new merchant segment, a number
to the small business segment. One barrier has been the
of critical questions need to be considered to clarify your
prohibitive cost of point of sale (POS) devices. In emerging
organisation’s objectives, the paths available to you, and
payments markets, this cost barrier has been exacerbated
how you will execute on this opportunity.
by several market characteristics: low card usage due to the absence of widespread acceptance, a fairly small card base,
Critical Considerations
and the relative importance of small merchants to overall
for Strategy and Execution
economic activity, which is particularly pronounced for some
This paper begins by highlighting the importance of market
consumer segments.
structure and the choice of an appropriate business model for
A number of factors have come together to make small
developing a strategy for expanding into the small merchant
business acceptance a viable and attractive business
segment. There is no single approach to monetising this
opportunity for merchant acquirers.
opportunity. Instead, a strategic approach must be crafted
1 14
ICT Insight
that accounts for critical market factors, including the level
Falling prices have reduced costs for entry-level
of development, the nature of acceptance in the market,
smartphones, resulting in one of the highest rates
and the availability of merchant information. Next, essential
of adoption ever observed for a new technology. This
features of the business models that have emerged for
widespread acceptance provides a broad and geographically
commercialising the small business segment are explored.
Finally, we highlight key elements of critical
and in many cases less than one device per 1,000
when determining your strategy and its
thinking required for developing and executing
residents. This situation is further compounded
execution. Some of the relevant dimensions of
a successful MPOS strategy for small merchants.
by the absence of a robust issued card base in
market structure include industry concentration
these markets.
in payments, regulatory structure, authentication
Developed Payments Markets: In developed payments
markets,
the
opportunity
is
A
properly
formulated
and
executed
methods (e.g., magnetic stripe or PIN), and
straightforward, given the existing base of
acceptance strategy can foster deepening
issued cards: merchant acquirers should focus
and expanding payment systems in emerging
specifically on driving merchant acceptance.
markets by focusing efforts so as to have the
Generally, developed markets are characterised
largest impact on card utility. In turn, increased
by lower cash usage, usually in the range
usage of card payments will drive greater card
of 20 to 30 percent of all retail purchases. In
issuance (e.g., prepaid cards), helping to resolve
addition, they are well served by extensive POS
this chicken-and-egg problem by igniting a
networks, typically with more than 15 devices
virtuous cycle of payments growth in the market.
per 1,000 residents.
Increases in card utility can be maximized by
ensure alignment with your acceptance strategy
mobile money deployment.
3
A review of your organizational readiness lets you inventory deployable assets that can be
utilized during the execution of your strategy.
4
Business model selection is an opportunity to evaluate and adapt business models to
Developing an acceptance expansion strategy
focusing development efforts on those areas of
and leverage your assets. For example, there
will be critical in identifying your organisation’s
greatest value to consumers, such as everyday
may be an opportunity to leverage your FI’s
use cases for MPOS. For example, will your small
spend categories, and on those merchants
positioning with small business, both directly
business acceptance efforts focus on specific
where mass market consumers are typically
and through the extensive agent banking
merchant categories? Do these merchants
engaged in commerce. In addition, there are
relationships that exist in some markets.
have different needs? Or should your efforts
opportunities to craft value propositions focused
be broader, focused on enabling merchants to
on recurring payment categories such as utility
improve their customers’ shopping experience
payments and insurance premiums, as well as
through the deployment of MPOS-enabled
supporting valuable segment functionality like
another value chain participant based on the
tablets by retail staff that augment or replace
“cash in” and “cash-out.”
market structure analysis. This will inform you
existing POS terminals?
5
In the partner selection analysis, you can determine if there is enough revenue for
of your ability to partner across the value chain Additional Considerations
to fill in remaining capabilities gaps necessary
merchants through MPOS deployment will
for Expanding MPOS Adoption
for the success of your strategy.
expand the addressable market for merchant
Additional points need to be considered in
For instance, can partners help you to
acquirers. In the U.S. alone, Aite Group reports
developing your approach to MPOS deployment.
mitigate risk or is this an activity best carried on
that this segment will grow from $2.5 billion in
First, beyond the small business segment
within your organization?
GDV in 2011 to an estimated $80 billion in GDV
examined here, there may be additional merchant
in 2016, generating approximately $1 billion
opportunities to consider in your market.
Opening
up
card
acceptance
to
small
6
Finally, during implementation, you will
in net revenue. Furthermore, Aite estimates a
Second, there are a number of players
considerable upside as MPOS becomes more
interested in entering this market such as MNOs
pervasive. Similar opportunities for expanding
(Mobile Network Operators), which are particularly
to properly address the opportunities afforded
acceptance into the small merchant segment
attractive because of their extensive customer
by your acceptance strategy.
exist in other developed payments markets as
base. Thirdly, there are key elements of critical
Technological innovation and subsequent
well. A well-developed acceptance strategy
thinking. MasterCard Advisors has developed a
market entry of new and existing payments
will bring focus to your organisation’s efforts to
six-step methodology for driving expansion into
players have reduced the structural barriers to
monetise this opportunity.
the small merchant segment. Because one size
small merchant acceptance. This development
Emerging Payments Markets: High cash usage,
does not fit all, there is a need to design the proper
presents an opportunity to profitably expand
generally assumed to be more than 90 percent
approach for your organisation to effectively
acceptance and drive further development of
of retail purchase volume, makes emerging
develop this opportunity in your market.
payments systems, especially in less-developed
payments markets particularly attractive for MPOS development. These markets, however, present additional development challenges; namely, their poorly developed electronic payment ecosystems create a chicken-and-egg syndrome. They are characterised by geographically spotty and underdeveloped acceptance networks, typically with fewer than six devices per 1,000 individuals
develop or refine the process through on-
boarding, customer service, and risk management
systems that may exist in emerging markets. A
1
An acceptance expansion strategy will give
number of critical questions must be answered to
your efforts direction and help you stay on
clearly define a strategy and successfully execute
track. This strategy will be influenced by the
your realization of this opportunity. MasterCard
level of acceptance in your market.
Advisors can partner with you to design an
2
approach for your organization to realize the
A detailed understanding of the market
opportunity to expand into this new segment and
structure in which you operate is critical
help you deploy a mobile point of sale solution.
Etisalat Business Update
15
Review
The best iPhone yet With cutting-edge architecture, a better camera and Touch ID, the iPhone 5S offers a lot of hardware for the money. pixel resolution and a pixel density of 326 pixels per inch. Below the screen is the now-familiar Home Button with integrated Touch ID, on top of the phone is a lone sleep/ wake button, and on the left side you can find the silent switch and the volume up and down. The most obvious new feature of the iPhone 5S is the new Touch ID fingerprint sensor, which is ingeniously built into the Home button and allows you to easily unlock the phone using your fingertip. Far from just a superfluous addition, this new feature has already prompted us to change our security habits. But if Touch ID is the most obvious change externally, the biggest change internally is the new A7 processor. It’s a dual-core chip that’s up to twice as fast as the A6 used in the iPhone 5, according to Apple. And it’s 64-bit, which means it works very well in combination with iOS 7, which is now a 64-bit OS. Even without 64-bit apps, performance gains are noticeable in daily use, even in simple things like browsing the operating system. There’s a fluid smoothness to the way apps launch, emails are deleted and animations are displayed that’s not as obvious when using iOS 7 on older devices. The faster architecture is put to good use by the updated Camera app. The A7 chip features a signal processor, which results in performance gains that outclass the iPhone 5 (itself, no slouch). Autofocusing is faster, and the new hardware allows for burst mode, which lets the iPhone capture 10 photos per second when the shutter is depressed. The Camera app then processes each photo and suggests which photos in the burst are the best ones, although you can view all of them and decide for yourself.
326 The pixel density (in pixels per inch) that the iPhone 5S’ 4-inch screen sports
16
ICT Insight
The iPhone 5S and 5C arrived last month to a record-
As for battery life, we’ve found the iPhone 5S’ battery
smashing first weekend of sales—9 million were sold,
life is roughly on par with the iPhone 5. Yes, the 5S has
with the iPhone 5S proving more popular than the less-
a larger capacity battery, but the phone also has new
expensive 5C. As technology writers, getting the more
hardware that needs more juice. The result is that the
expensive 5S makes sense for us. But is the new iPhone 5S
5S gains speed and processing power without losing any
worth it for the less tech-centric?
significant battery life.
Like last year’s iPhone 5, the new 5S sports a glass front
If you’re due for a phone upgrade, this phone is highly
and aluminum back, weighing in at a svelte 3.95 oz. And
recommended. But if you still want to wait another year,
like the iPhone 5, the 5S has a 4-inch, fingerprint-resistant
remember this: if history serves, there will be features that
oleophobic-coated multi-touch screen with an 1136 x 640
improve over the 5S on the iPhone 6 and then 6S and so on.
Third time’s a charm Samsung has thrown everything but the kitchen sink into its new Galaxy Note 3, and the vendor’s efforts have paid off. Samsung’s Galaxy Note 3 is the third iteration of the company’s not-quite-phone, not-quite-tablet Note line, and its internal specifications make it one of the most powerful handsets out on the market right now. It also features 4K video recording and a new suite of applications for the S-Pen aimed at making it easier to jot down notes, leave yourself reminders, and multi-task. For Samsung, this is one of its better phones available out on the market right now, but like the rest of its device family, it’s just as bloated with bundled apps. The Note 3 is stylish with its rounded corners and a faux-leather backing, but the fake metal banding and plasticky chassis still make it feel like a cheap phone. At 0.33 inches thick, its 5.95 x 3.12-inch chassis is comfortable for composing long emails and tapping out witty Twitter responses, and as with the Note II, there is still a setting for one-handed operation if you need your other hand to hold on to something else. The Note 3 features a 5.7-inch, 1080p, 386 pixelsper-inch (ppi) Super AMOLED display. That’s a huge improvement over its predecessor, which featured a lower resolution display than the original Note. Its screen is certainly bright, but it uses up a significant amount of battery life when it’s at its fullest, and you still can’t see it
not many televisions or monitors can play back the video
too well out in direct sunlight.
at full resolution just yet, and the phone itself certainly
The Note 3 did not pass our pocket test, nor did it pass our purse-pouch test. This isn’t a device to buy if you’re looking for something compact and minimalist. Samsung packed the Galaxy Note 3 with Android 4.3 Jelly Bean and its own TouchWiz Nature UI 2.0 overlay. Inside, it’s fuelled by a quad-core 2.3GHz Snapdragon 800 processor and 3GB of RAM—in laymen’s terms, that
2.3GHz The speed afforded by the Galaxy Note 3’s Snapdragon 800 processor
doesn’t have a 4K screen. Following in the footsteps of its older siblings, the Note 3 features the venerable S-Pen nestled tightly in its own little dock-slot on the rear-side of the phone. It’s still one of the best features of the Note devices. And S-Note has come a long way since its launch with the original Note. On the Note 3, it features an overhauled interface and
means that, at the time of the writing, it’s one of the most
the addition of newly polished templates since its last
powerful phones out on the market.
iteration. You can sync to Evernote, add charts and graphs,
With its 3,200mAh battery, the Note 3 petered out after about 11 hours of constant video streaming. That’s more than most of the phones out on the market right now.
and set up your own pen presets. With the Note 3, you have a powerhouse phone that’s meant for the multi-tasker, with a quad-core processor,
Like Samsung’s last major release, the Galaxy S4, the
forward-thinking video recording abilities, and a battery
Note 3 features a perfectly capable 13MP camera with
life to get you through your long, arduous days. In
a plethora of different shooting modes. Its most notable
essence, that’s really what we’ve come to expect from our
feature, however, is its 4K recording capabilities. It’s
phones in this day and age, even if they don’t quite fit in
mostly a ploy for marketing points, however, because
our back pocket.
Etisalat Business Update
17
News
Etisalat partners with MoE for Duroosi video launch the ministry’s supervision. These
“Harnessing the latest technology for
offer self-learning options with
education is an innovative approach
visual aids and provide easy access
towards knowledge building in
to students of Grade 11 and 12 to
the UAE. Duroosi will revolutionise
develop their skills. Students can log
conventional education tools by
in to a dedicated Duroosi channel to
providing instant and convenient
access the tutorial videos for extra
options of learning. Students with
lessons offered by expert teachers
access to technology nowadays
handpicked by the Ministry of
want information at their fingertips.
Education. UAE Minister of Education His
“The project is also unique in that it allowed us to unite government and
Excellency Humaid Mohammed
private players for a cause of national
Obaid Al Qatami said: “Smart
importance. The support of the
education is a key priority for
Ministry of Education was crucial to
The videos were launched during
the government and advanced
the success of this project. We hope
partnership with the UAE Ministry of
GITEX Technology Week, being held
infrastructure will play a critical
this alliance with the Ministry and
Education, supported by Google.
in Dubai from October 20 to 24,
role in the achievement of this
a private player will inspire similar
2013. GITEX Technology Week is
mission. Such strategic partnerships
strategic partnerships for knowledge
by UAE Minister of Education His
the Middle East, Africa and South
and unique talent development
development in the country.”
Excellency Humaid Mohammed
Asia region’s top ICT exhibition and
tools are critical for establishing
Mohamad Mourad, Managing
Obaid Al Qattami and Etisalat-UAE
conference
a knowledge-based, sustainable
Director, Google, MENA, said: “The
Etisalat recently launched Duroosi tutorial videos in strategic
The tutorial videos were launched
learning through social media tools.
UAE in the near future. This project
greatest impact technology can
Abdooli, in the presence of senior
Ayaadi Etisalat, the CSR arm of the
is another shining example of
have is on education. The UAE
government representatives and
telecom major, which is expected to
Etisalat’s visionary approach towards
Ministry of Education and Etisalat
Etisalat personnel. Google will be
revolutionise the ‘smart’ education
development of the education sector
are pioneering in this field by
offering strategic partnership for
sector in the UAE. Till now, 600
in the UAE.”
developing an education initiative
this project by providing a dedicated
tutorial videos for all subjects have
YouTube channel and enabling
been developed by Etisalat, under
Chief Executive Officer Saleh Al
Duroosi is a major initiative by
Saleh Al Abdooli, Chief Executive Officer, Etisalat UAE, said:
to reach students using the web, powered by YouTube.”
Etisalat and NBAD to enable mobile transactions application from Etisalat.
goods and services. Businesses
of Abu Dhabi (NBAD) are coming
Digital Services officer, Etisalat
This, along with the mPoS
will soon be able to address
together to offer mobile point
said: “Etisalat’s partnership
reader, which plugs into the
this demand through the mPoS
of sale(mPoS) solutions to
with NBAD is significant as it
smartphone’s headphone jack
solution we have developed with
merchants in the UAE enabling
provides mobile merchants and
is a simple plug and play setup.
Etisalat. ”
quick and efficient process of
service providers an added value
Once linked up to NBAD’s
card payments for all existing
to offer customers flexibility in
merchant account, vendors will
particularly well suited to small
and new customers.
making payments from different
be able to accept payments
and medium businesses that
business locations. This gives
within minutes.
were previously unable to deploy
Etisalat and the National Bank
This pioneering collaboration
Abdulla Al Otaiba, Senior
The mPoS solution is
the infrastructure to process
between the two organizations
retailers a competitive advantage
makes their vision of placing the
and ultimate convenience to
General Manager, Retail and
card payment payments and any
technology that makes mobile
their large customer base.”
Commercial-Gulf at NBAD, said,:
businesses operating outside of
The solution allows
“Today, customers demand the
traditional retail environments,
card payment based ecommerce
18
Khalifa Al Shamsi, Chief
a reality into the hands of
merchants to use smartphones
convenience of being able to
such as fast food and other kinds
merchants across the UAE.
with a free downloadable
make card payments for all their
of delivery service.
ICT Insight
Etisalat and BT collaborate on healthcare ICT services Etisalat and BT have worked
will help us create an appropriate
together previously to establish
ecosystem for both public and
the Innovation Centre, a
private sector.”
technology based research-
Wael El Kabbany, Vice
intensive programme based in
President, BT Middle East and
Abu-Dhabi’s Khalifa University.
Africa, said: “We are delighted
The new partnership will help
to have been chosen by Etisalat
improve healthcare information
to help them in their drive to
and infrastructure in the UAE and
introduce comprehensive and
nearby regions.
advanced healthcare ICT services
Abdulla Hashim, Senior Vice
in their territories. With our
Etisalat has announced a
large health IT programmes with
President, Etisalat said: “The
networked communications
collaboration with British Telecom
Etisalat’s local ICT footprint to
healthcare industry today
heritage and strong health
(BT), one of the leading global
address the needs of clients in
needs an environment which
experience, BT is well-placed
providers of communication
the UAE. The memorandum of
is connected 24/7 to deliver
to deliver the end-to-end ICT
services and solutions, to provide
understanding between the two
quality and advanced healthcare
infrastructure requirements for
healthcare ICT services to clients in
companies was signed today at
services. Etisalat has strived to
healthcare customers globally.
both the public and private sectors.
GITEX Technology Week 2013,
work towards the needs of the
We are pleased to be once again
the Middle East, Africa and South
industry towards addressing the
confirming our commitment to our
extensive experience working
Asia’s top ICT exhibition and
requirements of this dynamic
partnership with Etisalat, and to
with different organisations on
conference.
sector. The partnership with BT
the Middle East region.”
The relationship links BT’s
Etisalat inks strategic partnership with Sharjah Ladies Club Abdulaziz Taryam, CEO Advisor
and goals planned for the
and General Manager-Northern
well-being of our members. The
Emirates, Etisalat said: “Etisalat
club has always strived to work
has always encouraged activities
towards providing best-in-class
which empower women and
facilities and services. This is
build their goals for the future.
only possible by the investment
The partnership with Sharjah
in our club and our long standing
Ladies Club today reiterates our
partnerships in the country.”
objectives and helps us work
Etisalat will be offering
closely with the members of
exclusive and cost optimized
this prestigious organisation.
special offers to all Sharjah
Etisalat’s unique services and
Ladies Club members. The
Sharjah Ladies Club was
packages will help the women
latest handsets are provided
Club to extend its support in
founded by Sheikha Jawaher
members to remain connected
at attractive discounted rates
providing ICT services to develop
Al Qassimi, chairperson of the
with their peers and at the same
without any upfront costs, in
the club’s infrastructure.
Sharjah Supreme Council of
time gain access to information
addition to multiple add-on
Family Affairs, aimed to create
anytime anywhere.”
options based on the usage.
Etisalat has announced its partnership with Sharjah Ladies
Abdulaziz Taryam, CEO Advisor
GITEX Technology Week 2013.
Khawla Al Serkal, Director,
Due to the partnership, Sharjah
and General Manager-Northern
a prominent role for the Emirati
Emirates, Etisalat and Khawla Al
women in the community and
Sharjah Ladies Club said: “We
Ladies Club also plans to provide
Serkal, Director, Sharjah Ladies
provide best-in-class services
are glad to be partnering with
a special subscription offer to
Club, represented each party at
and facilities to women and
Etisalat today as it will help the
Etisalat female staff to utilise the
the signing of the MoU during
children.
club attain its long term mission
facilities of the club.
Etisalat Business Update
19
News
Etisalat partners with Dubai Courts wherever they are in the world. Etisalat’s new cloud-based managed web security service gives business and government both the web access and web security they can rely on,” said Abdulla Hashim, Senior Vice President, ICT, Etisalat UAE. Dr. Ahmed Saeed bin Hazeem, General Manager, Dubai Courts said: “Information Security has become a necessity in today’s advanced technological world. All government institutions and organisations need solutions that provide security and Etisalat has partnered with
will provide Dubai Public Courts
by Zservices (Zscaler Middle
privacy protection for the data
Dubai Courts, with the telecom
with real-time reporting and
East Cloud), will supply Dubai
in their care. For this reason,
major providing the government
forensic summaries and up to
Courts with a fully logged
Dubai Courts has signed this
department with a cloud-based
six months of transaction logs,
cloud-based security-as-a-
agreement with Etisalat to
managed web security solution.
bandwidth management tools
service solution for all of their
provide the services and
to restrict non-productive web
web communications anywhere
solutions to protect Dubai
Etisalat to provide cloud-
traffic and data loss prevention
in the world.
Courts’ data. Switching to the
based, managed web security
solutions security, flexibility
solutions, thereby becoming an
and convenience as they need.
government departments
will ensure the courts’ high
integrated service provider for
The managed web security
require completely secure
standards of security are
the Dubai Courts. This solution
solution from Etisalat, powered
web services at the fingertips,
always maintained.”
The new deal will enable
“Many enterprises and
new services and technologies
Etisalat empowers Dubai Police Etisalat has announced an alliance with Dubai Police to
Etisalat’s convenient payment
higher satisfaction, resulting in
at their convenience, aiming to
better customer retention for
promote efficiency and greater
banks and service providers.
customer satisfaction.”
offer easier payment solutions
service solution provides real-
to customers during GITEX
time access to specifics such as
Technology Week 2013.
balance inquiry and payment
President, Business Solutions,
of e-Services Major General
Abdulla Al Ahmed, Senior Vice
Dubai Police General Manager
due details and allows customers
Etisalat-UAE, said: “Etisalat’s
Mohamed Saeed Bakhit said:
Etisalat to assist Dubai Police
to pay bills from any location,
alternative payment service
“We are proud to partner with
with its innovative solution for
at any suitable time. Payments
solution has been conceptualized
Etisalat to provide our customers
efficient bill collection and cash
also get updated in real time,
keeping in mind the extreme
with creative solutions to reduce
management. Customers can use
permitting immediate restoration
pressure that billing counters
time wastage, by implementing
this service to pay all their bills
of customers’ disconnected
face, as well as the rising
efficient bill payment solutions.
through multiple banking channels
services, as well as connection of
frustration among customers
Our core objective is to ensure
including ATMs, tele-banking,
new services. Besides reducing
who spend long hours standing
that our customers are satisfied,
internet-banking and bank-tellers,
investment on bill collection
in queues. This new solution
and all their needs are met with
reducing the burden of cash
counters, the new service ensures
allows customers to pay their bills
the utmost care and attention.”
The new deal empowers
20
collection at bill collection counters.
ICT Insight
Etisalat signs MoU with Fujairah Municipality Emirates, Etisalat, were present during the signing held at GITEX Technology Week 2013. “Fujairah Municipality is one
Manager-Northern Emirates, Etisalat. Mohamed Saif Al Afkham, General Manager, Fujairah Municipality said: “We have continuously invested
of the strongest governmental
in the future especially in utilising
departments of the East Coast
advanced telecom and ICT solutions
utilising Etisalat’s various services.
to deliver public services in the
They are our strategic partners for
most effective manner. Fujairah
business, network development as
Municipality has been a long
well as utility and general services.
standing partner with Etisalat, and
“Etisalat will continue to provide
this new partnership will help drive
ICT services aiming to boost and
our joint strategic initiatives and help the growth of the Municipality.”
Etisalat has signed an MoU with
Crown Prince of Fujairah, Saleh
upgrade the mobility services in
Fujairah Municipality to enhance and
Al Abdooli, CEO, Etisalat UAE,
the department. This is essential to
The new announcement will
strengthen its strategic partnerships,
Mohamed Saif Al Afkham, Director
enable effective flow of information
enable the provision of e-services,
services, special offers and projects.
General, Fujairah Muncipality,
and efficiency in all sections of
smart solutions and special offers
HH Sheikh Mohammed bin
Abdul Aziz Taryam, CEO Advisor
the municipality,” said Abdul Aziz
to all employees and workers of the
Hamad bin Mohammed Al Sharqi,
and General Manager-Northern
Taryam, CEO Advisor and General
government sector.
Etisalat ties up with AirWatch for BYOD and MDM The BYOD Solution from Etisalat,
opportunity for BYOD solutions
powered by AirWatch, will enable
as corporate information security
IT administrators to manage
moves towards mobile devices that
large-scale deployments of mobile
are non-compliant with security
devices of different operating
policies, thereby making security
systems. Customers will be able
management a key challenge,”
to quickly enroll devices in the
said Abdulla Hashim, Senior Vice
enterprise environment, configure
President, ICT, Etisalat UAE.
and update device settings over-
“In line with our goal of
the-air, enforce security policies
ensuring customer satisfaction,
and compliance, secure mobile
the tie-up with AirWatch will
Etisalat has announced a
the first time as part of its mobility
access to corporate resources, and
enable best-in-class service for
partnership with AirWatch,
offerings, thereby becoming an
remotely lock and wipe managed
enterprise customers by enriching
the largest enterprise mobility
integrated service provider. For
devices.
our mobility offerings: from mobile
management (EMM) provider,
customers, the solutions will spell
Some of the key features
to offer a comprehensive secure
flexibility and convenience as they
include an ability to manage all
to developing applications. The
mobile device management
can now create and safeguard
devices in one console, create
tie-up is in line with Etisalat’s plan
platform for businesses to manage
their business environment across
organisation groups or import the
of creating a larger partner eco-
and secure their most sensitive
all devices, models and operating
existing directory structure through
system of value-added solutions
content, applications and email
systems.
directory services integration,
through partnerships to help
track compliance in real time,
drive down costs. We will also
on showcasing its solutions on
enroll devices in bulk and set up
continue our investment in the
Etisalat to provide Bring Your Own
workforce mobility, employee
enrollment restrictions for users
latest technologies to enable our
Device (BYOD) solutions and mobile
productivity, network efficiency,
and devices among others.
customers to stay ahead of the
device management solutions for
reducing cost and complexity.
across all mobile platforms. The new tie-up will enable
Etisalat’s focus this year is
“There is a significant market
device management and security
technology curve,” he added.
Etisalat Business Update
21
HTNG event
Etisalat showcases the future of hospitality communications
22
ICT Insight
Etisalat has announced it revamped range of smart
In addition to these new services, Etisalat also showcased
hospitality solutions at the second annual Hotel
its range of reliable smart managed offerings, including IPTV,
Technology Next Generation event held at the Ritz
smart digital information displays, for in-hotel advertising, smart
Carlton DIFC, Dubai.
Wi-Fi, smart surveillance, and smart IP-based communications,
At the event, the telecom major announced its plans
which integrate a hospitality service provider’s IP network
to launch a next-generation, cloud-based High-Speed
with its telephone system, enabling central management and
Internet Access (HSIA) product later this year which
consistent communication features across the provider.
will support hoteliers in providing solutions to the ever-
Abulla Hashim, Senior Vice President, ICT, Etisalat UAE, said:
increasing bandwidth demands and expectations in the
“Etisalat continues to innovate in its hospitality offerings. We
digital age. Etisalat is enabling UAE Hotels to offer a
understand that hospitality sector needs an experienced and
differentiated Internet guest journey in the hospitality
reliable partner for its ICT services and therefore built these
sector. Through the new product offering, Etisalat is
qualities into our hospitality services. These propositions
able to deliver an end-to-end HSIA solution, covering
provide smarter and better hospitality solutions.”
conferencing, public area and in-room requirements.
Etisalat has been operating in the Hospitality sector
These solutions provide more choice to the hospitality
for a long time and offers a unique combination of digital
service provider and underline Etisalat’s position as the
voice Internet Dedicated Access (IDA) and Etisalat TV
leading ICT service provider for the sector.
services, all in a single bill.
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Law Update
07:35 - 6/11/12
Seham El Behissy @SehamElBehissy
@EtisalatUAE Thank you Etisalat, Best Service Ever. i almost forgot that we have something called 101 since Etisalat bird is tweeting here! https://twitter.com/SehamElBehissy/statuses/140725003585982464
Legal issues in cloud computing - part 2
damages. If they do not exclude direct damages entirely, they may seek to limit damages to a specific amount, such as the amount paid by the client for the services during a specific period of time.
07:35 - 12/08/12
When
wasim shaikh @wasims9
considering
provisions
relating to limitations of liability,
@EtisalatUAE love your eLife service :D
it is important to review these in detail. The client should specifically
https://twitter.com/wasims9/statuses/234899621158207489
consider whether the types of events giving rise to what the CSP 13:53 - 01/10/13
has described as indirect damages
Etisalat UAE
are, in fact, indirect – or whether
Mariam Essa Ali
they are exactly the types of
I will change my plan from rbis 49 to *107*4#... I LOVE My BlackBerry and I Love ETISELAT...
damages that are likely to arise if the CSP fails to adequately perform its obligations. (A good example is
https://www.facebook.com/photo.php?fbid=634543 319899864&set=a.116622321691969.13401.107 009842653217&type=1
‘loss of data’, and costs associated Cloud computing allows businesses
client is procuring a large volume of
with manually inputting any lost
to
services.)
data, both of which would seem to
convert
capital
expenses
23:41 - 29/09
associated with IT systems and
Etisalat UAE
infrastructure
Noufal Muhammed masha allah etisalat great,, https://www.facebook.com/photo.php?fbid=6334 00303347499&set=a.116622321691969.1340 1.107009842653217&type=1
18:56 - 29/09
Sheikh Safwan Wakil Etisalat UAE
That is what I like about Etisalat UAE u https://www.facebook.com/photo.php?fbid=6334 00303347499&set=a.116622321691969.1340 1.107009842653217&type=1
When negotiating service level
be obvious losses resulting from a
operating
credits, the CSP will typically seek
failure on the part of a CSP.) Similar
expenses associated with platforms,
to use their own servers as the
considerations arise in the context
capacity and applications. For many
point of measurement for service
of force majeure provisions, which
companies the business case is
availability. In contrast, from the
are typically used to provide for
compelling. As with any business
client’s perspective, availability
natural disaster type occurrences.
decision, it is important to be fully
at the client’s own computer
Some CSPs may attempt to include
informed, and aware of the risks. In
is the natural point to assess
events for which it is reasonable
this article, the second in a series of
availability. In practical terms, it
to expect them to bear the risk
two, we look at some further core
is not always technically possible
directly.
legal
associated
to use the client’s computer
into
considerations
with cloud computing. (Part 1 was
as the point of measurement,
The risk of technical or commercial
18:56 - 29/09
published in the May issue of ICT
although it may be possible to
lock-in needs to be considered at
Etisalat UAE
Insight)
use the cloud termination point
the outset. Technical lock-in refers
at the client’s premises. If it can
to the risk that the manner in which
Service levels and service level
be justified by the business need,
the cloud services are provided
credits
then a leased line connection
means that it would be technically
services
to the CSP would provide a
difficulty and/or costly for the
20:01 - 25/09
agreements, service levels - which
reliable connection, as well as
client to migrate to an alternative
Etisalat UAE
provide objective and measurable
scope for the client to argue that
provider. When engaging a CSP, the
Wow that’s nice
standards
availability should be calculated
client should ensure that the risk of
on an end-to-end basis.
lock-in is properly understood and
Irfan Ali Babbar wooo nice https://www.facebook.com/photo.php?fbid=6334 00303347499&set=a.116622321691969.1340 1.107009842653217&type=1
As
Saeed Albaloshi https://www.facebook.com/photo.php?fbid=631 490343538495&set=a.116622321691969.134 01.107009842653217&type=1
with
most
and
IT
help
manage
performance and quality - are also
addressed. Technology develops
relevant to cloud services. One key difference, however, is that Cloud
Limits on liability
quickly, so the benefits of a long
18:14 - 25/09
Service Providers will typically set
CSPs will typically try to limit
term engagement with a CSP may
Etisalat UAE
service levels that are applicable to
liability. They may disclaim any
be short-lived, so the ability to
all their customers, and there will
warranties
move promptly to another service
be little scope to negotiate. (The
services as being offered ‘as is’,
situation may be different if the
and they may seek to exclude
cloud is a private cloud, or if the
direct, indirect and consequential
Abdulawal Chowdhury Its a great offer https://www.facebook.com/photo.php?fbid=631 490343538495&set=a.116622321691969.134 01.107009842653217&type=1
and
describe
their
provider is valuable. Source: Al Tamimi & Company
Etisalat Business Update
23
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