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Issue 11, 2008
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Saving grace for the unbanked and comfort for the banked. Man Behind Safaricom’s $1 Billion Cash Machine
MTN C-TRACK: Camry reports moving E at 48 km/h along Adeola Odeku St, Victoria Island, Lagos.
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The book provides a brief overview of the development of Nigeria’s telecommunications industry, since deregulation, and the challenges associated with service provision and maintenance of network infrastructures. It is about Telecom in Nigeria; a Country of possibilities, Nigerians; a Happy people, a people of Unity and Faith, highly resilient and courageous, a determined people, who celebrates culture in diversity; One nation, One people, one love and with one choiceNigeria.
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CONTENTS cover story...
7
Saving grace for the unbanked and comfort for the banked.
features... Vodafone CEO predicts big growth in mobile advertising.
20
16 Mobile Advertising Done Right in a Unique Market Lessons from Vodacom, South Africa
regulars... NEWS Immense crowd as Glo Benin begins sim sale
15
Vodafone Swings to Fiscal Year 21 Net Profit; Sarin Steps Down
Buyers Guide:
27
24 Zain to sponsor historic concert honouring Nelson Mandela at 90.
Read our vital statistics before you make that vital purchase.
Issue 11 2008
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COVER STORY
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‘Moneybox will transform financial services delivery in Africa’
The building of an enduring African savings and payment ecosystem.... The MoneyBox story
T
he future they said is mobile, this is more than true with MoneyBox introduction in Nigeria to save the under-bank from total neglect. And to comfort those that are banked. For the first time in Nigeria, bank accounts will be made available to everyone, with a mobile phone - anywhere, anytime, on any network, and w ith any bank. Thus, anyone can have an account package and immediately or shortly after, start transactions in a fast reliable and conventhrough the post office. ient manner. Most banks have found it far too costly to set up With a click of a mobile phone key, Banke Adeola branches for the millions of people in developing states makes the transfer – sending funds instantly from his and towns. But with MoneyBox branchless banking, residence in a sprawling Lagos slum to his wife, who which eliminates most administrative costs, banks holds down their rural family farm some 250 miles could soon find it worth their while to serve the poor. away. In a country with more than 40 million mobile phone Mr. Adeleke, a security guard who works the night users – double what it had just two years ago, Monshift, used to risk carrying cash on infrequent, slow eyBox could completely change the way banking and trips to his hometown or pay high rates to send money other financial services are delivered to Africans.
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ADVERTORIAL
MoneyBox entrance into Nigeria market is a significant development within the financial and telecommunication industry is the subject of a roundtable interview with the Chief Executive officer. Mr. Adeniyi Elumaro, in this interview, explains the concept and how it promises to change the face of financial service delivery across the African continent. Explain what Moneybox is all about? MoneyBox is all about mobilising money and enabling dynamic possibilities in financial transactions through the mobile phone. Our goal is to be the largest enabler of mobile financial transactions in Africa. Basically, it is a system that enables the delivery of financial services to anyone with any mobile phone anywhere, anytime and on any network. It is a savings and payment system based on scratch cards. It is enabled by any mobile phone. It allows people to pay and transfer money. The Moneybox customer is the customer of any telecommunications company or bank with a mobile phone who is not required to go through the complicated Know-Your –Customer requirement of banks or download mechanism of telecom firms before enjoying Moneybox services. With Moneybox, you can top up your bank account just as you top up your mobile phone from the comfort of your home. You can send money to friends and loved ones. You can receive money, pay merchants, buy insurance policies and even send buy and sell instructions to your stock broker from the comfort of your home. One can basically carry out basic financial services on the mobile phone. It is a new world of possibilities.
can still be done, as long as I can remember the person’s phone number. I will buy a recharge card of the value that I want to send to that person and text it to his phone. Moneybox will then automatically create an account using that phone number. The person that has the key can then come and claim the money. But for people that really want to have a bank account, they will have to register with Moneybox as customers. Registration is very simple. It is just like buying a starter pack of any mobile operator. Moneybox account will be packaged like any other starter pack. When a customer gets it, an Interswitchenabled ATM card will be printed and handed over to the person. The pack comes with N2,000 free cash, though buying it costs N2,000 as well. To complete a Moneybox account requires a person to text the card number and PIN number to Moneybox database. This registration is once and for all and will allow a customer to have a Moneybox account. Where the value of a transaction that one wants to carry out on a Moneybox account is more than N50, 000, the customer will have to complete the Know Your Customer registration. This is very easy. KYC can happen physically by completing a form. It can also happen on the telephone, in which case, a Moneybox agent will take the photograph of the customer and send to the database. It can also happen on PoS terminals which have been programmed to recognise biometrics. So anytime a person wants to withdraw money, he simply goes to any of our agent locations to do that. Our agents such as mobile telco agents, petrol stations, retail stores or supermarkets, pharmacies, already handles a lot of cash by selling goods and services. They will now add deposit, withdrawal and money transfer or remittance services in addition to their regular product offerings
...enabling possibilities
So we believe that we can bring financial services to the poor people. We believe that we can help Nigerians and in fact all Africans achieve the Millennium Development Goals, especially as it relates to giving people access to financial services. Microfinance banks will no longer have to invest in expensive technology. Moneybox has technology partners that will freely allow them install world class banking systems at little or no cost and through MoneyBox, subscribing MFI’s can link their front-end to the entire banking system including electronic payment platforms such as Etranzact and Interswitch. This will allow Microfinance banks deliver services without the huge cost associated with current banking service. Through Moneybox, for the first time in the history of this country, people will be able to purchase bank accounts on the streets the same way they buy scratch cards. What are the requirements for use of Moneybox service? Unlike banks that insist that you cannot do most transactions with them except you are a customer, you do not have to be a customer of Moneybox to use Moneybox. It is very easy. If I want to send money to someone that perhaps I have bought something from or if I want to order for a product even at 1a.m. from a company that does 24 hours service, I can text the payment to the company’s bank account or to its Moneybox account. So I do not really have to be a Moneybox customer to do this.
If I want to transfer money to someone, provided the person has a bank account, once I remember the person’s account, I can send the money to the person. Even when the person that I want to transfer money to does not have an account number, it
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How accessible will Moneybox service be to Nigerians? The service will be very ubiquitous. All the banks that we have today in Nigeria have a total of about 4,500 branches and if you add all the 5,000 or less ATMs outside of branch locations in the country; it means that Nigerian banks are only available to people in about 10,000 locations. If you consider that Nigeria has about 150m people and you divide this by 10,000 locations, where one can carry out banking services, it means that you have at least 15,000 people to a banking location. In the more developed countries, you do not have more than 1,000 persons to a financial service location. What Moneybox will do is that it allows all Nigerian banks deliver basic banking, insurance, and stockbrokerage transactions from any agent location. Who are Moneybox agents? They will be the people that already sell airtime cards or phones for telecom companies in the streets and other merchants. If we just license all those selling recharge cards for telecom operators, we will have at least 200,000 locations from where people can go and do basic banking and other financial services transactions. People can pay money into their accounts, they can withdraw money from their accounts and also do funds transfer or receive remmittances. In short, a customer does not always need to go to an agent location to draw money from their accounts or do transfer. It
ADVERTORIAL
can be done from the comfort of one’s home. But to withdraw money, one may have to go to an agent location that has cash to do this. But for the agent to process the transaction, he must have credit in his Moneybox account. The way the system is set up to process a customer cash deposit at an agent location is to debit the agent’s Moneybox account and credit the customer’s account. All these happen very fast. Our partners paybox Solutions AG have perfected this technology in Germany and Austria where all these things are already working very well. They are not just supplying the technology but are also backing us up to operate and implement it across Africa. The will gradually transfer skills to a team, of young Nigerians already on board.
banking sector. But remember that Moneybox is just an agent of banks-both macro and microfinance banks. We do not actually have accounts on our own but we will bring more efficiency to the banking system. Firstly, we will increase the speed of clearing cheques. Today, clearing of cheques take about three days. But with MoneyBox is done immediately. Therefore, for anyone that has the need for immediate value for his cash there is no better way to do it than Moneybox. Deals can be closed very fast and payment completed at the speed of SMS.
...enabling possibilities
Moneybox is going to transform financial service-delivery in Africa. The performance statistics of the two industries our ecosystems are converging are very revealing and paradoxical. (permit me to coin that word) . Banking in Nigeria has been around for over 100 years and yet we have less than 16 million bank accounts for all the banks put together. If you bear in mind that some individuals have over five bank accounts across several bank, the actual number of account holders are probably much less than half that number. Meanwhile, mobile telephony has been around for less than eight years and based on the figures released by the Nigerian Communications Commission at the end of the first quarter 2008, Nigeria now has over 50 million mobile subscriptions. The point is what can the banking and financial services sector learn from the young but fast growing telecommunications industry? How can we create a delivery architecture that will ensure that anybody that has a mobile phone also has access to financial services such as savings, insurance, stocks investments and other financial services? This is what Moneybox is all about. In the first phase, we want to pilot and entrench this concept in Nigeria before spreading it to other parts of Africa. We believe that this will help reduce the volume of money outside the banking system. We understand that there is over N450 billion outside the formal banking sector. We want to bring this money into the
We expect big banks, Microfinance banks, insurance firms and stock brokers to sign on to Moneybox to optimise their float. We will assist them in raising the team they need to operate the scheme. We do not charge a lot of money to use Moneybox. On a more macro level, MoneyBox will support CBN person to person payment vision . It will reduce the cost of managing money in circulation and also increase the velocity of money in circulation to improve economic benefits. The goal of MoneyBox board is to partner with CBN national switch to build a national mobile switching infrastructure for the country in a way that will create a national ecosystem connected to all telcos, all banks, other switches, all merchants and all agents. And with that, the platform for national mobile commerce is set for Nigeria as a hub. This hub will be extended in the first phase to West Africa to create a sub-regional ecosystem that will bring to life the dreams of ECOWAS thus facilitating trade and commerce and free flow of people within the subregion. The next frontier for financial services, stock broking and insurance is going to be on the mobile phone. The mobile channel adoption or penetration rate is the highest in the history of technology uptake and we hope that people in Nigeria can take advantage of Moneybox so that Nigeria can become the payment powerhouse for Africa. Moneybox will start a pilot in Nigeria and quickly spread the technology across the West African region bringing to life the dreams of ECOWAS founding fathers to promote regional integration. Once we capture West Africa, we will then extend Moneybox to the rest of Africa.
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ADVERTOTIAL
Public enlightenment Moneybox Education We recently started a private placement intended to raise about $20m to help us educate Nigerians about how Moneybox can change their lives. We are ready for this and know that it would cost us some money and time. But we are learning from Interswitch. Mr. Dotun Suleiman, the former managing partner of Accenture in Nigeria is our chairman. He is also the current Chairman of Interswitch. He is guiding us through the experience of Interswitch especially how they have been able to change the culture of Nigerians towards using cards. We have an elaborate educational programme being developed in conjunction with our technical partners from Germany, who are very vast in educating many countries in the world on how to migrate to mobile commerce. The awareness programme will also be communicated in local languages using many channels. We believe that this is a new era in banking and financial services delivery in Nigeria Who are those behind Moneybox in Nigeria? Our Chairman, Mr. Dotun Sulaiman, who is the father of banking modernisation and transformation in Nigeria is fully behind this project and is investing both resources and time in the project to make sure that we leverage on his experience. He created Interswitch, ATM Consortium and has been a part of the story of the transformation of most Nigerian banks from small to big ones. The current Moneybox is a tripartite arrangement between Salt and Einstein Limited and MISS limited, a technology mobile payment systems and Integrated Capital Services Limited
pendent. It works on any mobile phone of any network at anytime. Another thing is that we do not have to go through an intensive agreement with operators, as mobile services are available to anyone that can pay for it. All we have put in place is a short code such that when you send and SMS from any network, it will get through. It works on simple SMS. And the beauty of this our technology is that for it to have mass appeal, you do not have to sign some complicated contracts. Mobile operators have also given us fool-proof technology to secure the SMS channel. Mobile Operators are also giving us Interactive Voice Response services so that people can call to access the service by voice communication. Mobile operators have been quite cooperative. All the networks have been appreciative of this technology which will ultimately increase traffic to every network How would Moneybox impact on employment generation? Our goal is to have 1million agents within the first two years of our operations. Just consider the impact of the creation of one million jobs within the administration of President Umaru Yar’adua. This will help reduce unemployment. The requirement for an agent is the lowest of any sector. All that is required is a phone and some cash in the agent’s Moneybox account. There are mothwatery incentives for every agent. Every time that an agent helps in withdrawal of money, he gets a cut of the transaction. We expect to have agents and sub-agents. Remember that every time that a Moneybox account is opened and a transaction carried out, cards are involved. This opens up a whole new business for card manufacturing companies. All our partners such as Interswitch, eTranzact and CBN switch—NIBSS will probably have to increase their capacity because the volume of transactions that will be generated by Moneybox will be more than the total number that they currently generate in their networks. They will certainly need more people to handle their transactions. Big merchants involved in buying and selling items can enrich their product offering. This will mean that they have to recruit dedicated staff to man their moneybox desk. The multiplier effect of MoneyBox in employment generation is unlimited.
...enabling possibilities
We also have Interswitch, Nextzon as shareholders. We also have eTranzact as a partner and possibly as a shareholder. ICSL is also supported by Churchgate group and a host of other individual investors. We also have other partners like Paybox solutions AG from Germany are the operators of the MoneyBox ecosystem
This is our story:
How does CBN relate with Moneybox considering that you are not a bank? One of the best things that have happened in Nigeria in the last five years is the visionary leadership at the Central Bank of Nigeria. CBN has issued a guideline for person to person mobile payment in Nigeria. The bank has outlined a vision to build a person to person mobile payment hub foe West Africa within five years. But we are happy to say that the implementation can take two years to happen with Moneybox instead of five. We are also discussing with the CBN’s central switch, NIBSS which is designed to be the hub of all switches in Nigeria. We are talking to all banks because we just act as agents to these banks. We have been encouraged by the reception we have received from Nigerian banks. We have reached a simple agreement with South-East Ikoyi Microfinance bank to start a pilot there and there are seven other microfinance banks in discussions with us. Most mega banks are interested in our offerings as it relates to banking the unbanked. Moneybox will rely heavily on telecom networks. Are telecom operators favourable to this idea? The beauty of Moneybox technology is that it is network inde-
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Can you explain the security of transactions? The transactions are as secure as SMS delivery and ATM withdrawal, which depends on the use of a Personal Identification Number. But we have done to enhance security is to get some special partners like Valimo of Turkey that are giving us endto-end encryption of PINs such that once a PIN is sent from a phone, it cannot be seen by anyone and can only be interpreted when it gets into our platform. For the mass unbanked population, what is required is the biometric technology, ie their fingerprints not even the PIN. So the security of the system is very high. When is the rollout date for Moneybox? MoneyBox will rollout in the next few months but before then what you will get to hear from us is a massive agent recruitment campaign that will take us to all parts of the country.
moneybox team
moneybox Team on a mission to succeed
Adedotun Sulaiman, MFR Chairman
Adedotun Sulaiman is chairman of the Board of MNL. Mr Sulaiman is Chairman of Accenture, where he was also Country Managing Director for six years. He is the Chairman of Interswitch, Executive Chairman of Arian Capital Limited, Chairman of SecureID, Chairman of Conerstone Insurance Group and Chairman of the Board of Governors for Greensprings Schools. Mr Sulaiman is the graduate of university of Lagos. He earned his Associateship of the Institute of accountants of Nigeria in 1981. He completed the Harvard’s Business School programme for Management Development in 1990
Adeniyi Elumaro is the Chief Executive officer of MNL. He is the founder of Investcorp Capital, a private equity investment firm with significant holdings in ICSL. Prior to this, Mr Elumaro was Executive Vice Chairman/Group CEO of the UBA Insurance Group. He had earlier served as Vice President within the HEIRS Alliance Group, which he joined after several years as a manager at Andersen Business Consulting. Adeniyi Elumaro CEO
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moneybox team
David Kaye has over 15 years of relevant financial technology and mobile telephone technology experience. David began his illustrious career at Royal Bank of Scotland as Senior Analyst, and then as senior consultant at PriceWater HouseCoopers. David later became a senior IT Manager at UBA Plc before moving to Lucent Technologies in Dublin, Ireland where he was Senior GSM Software Engineer
David Kaye
Chief operating Officer
MoneyBox is a concept whose time has come. There has always been a latent need for mobile based financial transactions application with broad appeal, but financial institutions are just noticing the blind spot - and waking up to the requirements of millions of our people for simple, effective and user-centric applications. MoneyBox is a bold initiative to fill that need.�
Lai Labode is the CEO of Salt & Einstein Ltd, a visionary business logic expert with vast experience of the peculiar African emerging markets. Lai is the initiator of the MoneyBox line of products and also a member of the National Think Tank committee on youth development.
Lai Labode
Chief marketing Officer
With a tool as potent enough to move as low as 500 naira from the currently unbanked on the street into the formal sector MoneyBox Africa is poised to spark the next race for the banks as they will jossle to win as many new accounts as possible from the street without paying the corresponding administrative cost. That the power of MoneyBox.
Damien trained as a research and investment analyst, and was recently the head of research department at Diamond Bank Securities Ltd; he held similar positions at leadway pensure PFA and FB Asset management Ltd. He was involved in the development of the Electronic Deposit messenger (EDM), providing data on the viability of the project.
Damien Oguchi
Chief Finance Officer
Macaulay Atasie is the managing director/CEO of NEXTZON Business Services Ltd. From April 2003 to the time NEXTZON was set up, Macaulay worked as the CEO of HEIRS Alliance Limited, which was set up as a holding company for several banks and non banls totalling 10 companies with assets under management of over $1 billion.
Macaulay Atasie Director
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moneybox team
Tola Talabi director
A former Vice President at Credit Suisse, Omotola was responsible for the Implementation of the banks Risk Management Methodology for Real Estate Loans, which resulted in Credit Suisse reducing its capital adequacy requirements by $120 Million, across mortgage related products. He has held prior management roles in banking technology at Merrill Lynch, JP Morgan and Sapient Consulting. Currently a serial entrepreneur Omotola is co-founder of Oxbridge Development Corporation. Oxbridge is a regional real estate development firm with award winning, multimillion-dollar developments in Pittsburgh and New Jersey. He is also a principal in Bacchus Wine Made Simple a chain of high end, fine wine stores.
Abu Taoheed has over 6 years of work experience in IT software development and support. He has great communication and people management skill. He has worked with several large organisations including educational institutions, banks and mobile network operators in various capacities spanning development, training and consulting.
Abu Taoheed
Chief customer care
Kelechi Nzekudu has over 7 years of working experience in information technology especially in the banking sector spanning liberty bank, FCMB amd Zenith Bank pl. He was fundamental to the development of the MISS Electronic Deposit Messenger (EDM) software and business.
Kelechi Nzekudu
Chief technology officer
Ayodeji has previously worked in Celtel Nigeria managing the mass market segment. Whilst in Celtel, the then Econet Nigeria he worked as a project officer where he led a team of consultants to deploy the regional offices and thus set up the key point of sales for the business
Ayodeji Ige
Chief sales officer
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NEWS
Immense crowd as Glo Benin begins sim sale
A
mammoth crowd of Beninoise on Friday stormed the Cotonou Gloworld of Glo Mobile Benin and other sales outlets across the country to buy the network’s sim card as the latest entrant into Benin Republic’s telecoms market flagged off the sale of its products and services. Barely 10 hours after the network was launched at an elaborate ceremony at the Marina Hotel, Cotonou, the crowd started gathering as early as 8am and stretched to the two adjourning streets of Steinez at the city centre where the Gloworld is situated.
of the launch on TV and I am impressed with all the things they promised, so I wanted to see if the new network will give Beninoise the quality service they promised at affordable rate``. Another subscriber who identified herself as Natalie said she was excited by what she heard about Glo such as nationwide coverage from day one, Per Second Billing and other exciting features like Ring Back Tone. ``I did not mind being on the queue to buy my line because I wanted to be among the first beneficiaries of all these good things``, she said.
The company’s prepaid sim card is sold at çfa1000 with çfa1000 free airtime while the network is operating on the 98 numbering range.
An official of the telecoms company, Ms Sade Boyede said the Gloworld would extend its closing time to 7pm from the normal 5pm in order to cater for as many people as possible in the crowd. She assured Beninoise that the company has made available enough stock to cater for their needs.
A middle-aged lady who identified herself as Corine said she was on the queue for about one hour before she could buy her line, adding that it was worth the effort.
Subscribers who had activated their Glo Benin sims attested to its crystal clear voice quality and seamless interconnectivity with other networks.
About 20 uniformed policemen and 10 private guards were sighted controlling the crowd inside and outside the Gloworld.
``It’s like you are getting the line free because the free airtime is the equivalent of the price of the sim card. I watched the live broadcast
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mobile marketing & advertising
Mobile Advertising Done Righti from Vodacom, South Africa
T
he mobile market in South Africa is a challenging environment for mobile advertising, but also ripe with opportunity. Vodacom, the largest operator in South Africa, has very quickly established a very successful mobile advertising business. Read this in-depth discussion with Rick Joubert, head of mobile advertising & social media at Vodacom, discussing “5 Principles for Mobile Operators, Some advice from an early mover”.
Key Take Aways During our wide ranging conversation, it struck me that even with all the barriers and hurdles to mobile advertising that we hear about so often, Vodacom has been able to build a thriving business in a short time. Thinking about the reasons behind this, it seems there are several.
▪▪
▪▪ ▪▪
First, the way the mobile advertising business unit was setup and supported within the company, and the understanding of Vodacom that they would need to invest in people, technology, and market education. Second, the creativity to tailor propositions that appeal to each economic segment of the country. And finally, the basic belief that any advertising or ad-funded service should create value for the consumer.
Perhaps these conclusions could be applicable in other markets, especially those developing areas of the world which are experiencing rapid growth of mobile subscribers and where mobile advertising is beginning to take off.
Unique Aspects of the South African Market According to Rick Joubert, there are several aspects that make the South African market very different from European or North American markets, including economic, cultural, and infrastructure factors. Rick explains, “We have two fairly distinct economic segments operating side by side. Basically there is a very sophisticated 1st world marketplace on one hand, with very advanced infrastructure, coupled with a “developing world” mass market. So the services you offer and the business models and the price plans have to take this into account.”
According to Rick, “this means that it is quite hard to do any traditional ‘mass market’ marketing, because you can’t communicate with everyone in a single language and in a single cultural context. This is actually a big opportunity for the advanced targeting capabilities of mobile advertising.” A third factor which is important to understand is that PC-based internet penetration is very low, currently about 8%. On the other hand, there is very good penetration of mobiles, around 80% to 90%. So like most of Africa and certain parts of Asia, really the only way for a lot of people to access internet is through their mobile. Taken together, these factors have presented some unique challenges and opportunities for Vodacom in the area of ad-funded mobile services. Rick continued, “I have noticed in Europe and North America that mobile advertising tends to be closely associated to mobile internet and rich media – WAP, mobile TV, video services, etc. We set out from the very beginning to treat the mobile advertising opportunity in a much broader context. Although we have services and have propositions in these high end areas, we believe there is a huge opportunity in wrapping ads around simple voice and text.”
In South Africa, 90% of the connections are pre-paid, with a fairly low average ARPU for pre-paid customers of about US$8 to US$10 per month. The average ARPU across all customers is US$18 to US$20, so its clear that the small group of post paid customers spends a lot and really pulls the average up.
Ad-funded Services for the Masses
Another factor which people often overlook about South Africa is that there are 11 official languages – it is a very heterogeneous society.
A great example of an ad-funded mobile service that truly fits a market need is Vodacom’s “Please Call Me” service . This has proven to
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mobile marketing & advertising
in a Unique Market Lessons be incredibly successful, with about 20 million messages a day, a very large number in a country of 48 million people! Rick explains why ‘Please Call Me’ is so right for South Africa: “This is a great service for a mixed economy, because you basically get to redistribute wealth. It enables people with very low income to initiate a call with a more affluent subscriber – for example an employee asking their employer to call them - without incurring the cost of the call.” Another example of a mass market service is the Ad-Me service that is just going live now. It is an opt-in permission-based, push advertising service. Basically a subscriber signs up, provides some limited amount of personal information, and then receives targeted ad messages. In return for receiving advertisements, certain incentives are offered: discount vouchers, free competitions, special offers and free give-aways.
Rick identifies several key reasons why his team was able to get traction so quickly, and suggests that any operator planning on venturing into mobile advertising should keep the following in mind:
▪▪ ▪▪ ▪▪ ▪▪ ▪▪
make sure that mobile advertising is set up as a separate business, not just a new product in an existing portal business; get a telco insider to lead the Mobile Advertising team, but then populate the team with media people; use ad sales houses that are focused on mobile only; align value chain incentives to traditional media incentives, make sure that ad and media agencies are not dis-intermediated; encourage campaigns that include end-user value.
Educating & Evangelizing
I+AdMe Rick explained the special appeal of this type of service. “For our customers with very limited income, originating telecommunication messages can be expensive, so they may not use their mobile too frequently. Receiving advertising messages doesn’t cost the consumer anything, and is not seen as spam. On the contrary, people actually like to receive messages particularly when the message content relates to relevant special offers or exclusive discounts.”
When asked about the readiness of advertisers and agencies for mobile advertising, Rick said “Brand managers and marketing managers are aware of the emergence of mobile as a medium, but they are unclear how to fit mobile into their overall mix, and what inventory is available and appropriate. We’ve had to do a lot of education and evangelizing.”
Just launched in early 2008, and with almost 100,000 opt-ins already, Vodacom believes they can have a million participants by early 2009.
As part of this effort, Vodacom launched a website to educate the market about mobile advertising. You can check it out at www.on-theline.co.za.
Mobile Advertising for the High End Market
Successful Market Reaction
Vodacom also operates the Vodafone Live! portal in South Africa. This site serves about 20 million page impressions per month, and has about 1.5 million unique customers per month, making it effectively the largest digital property available for advertising in South Africa (the largest South African website generates about 1 million uniques per month).
One thing that is very encouraging for Vodacom is that there have been extensive repeat campaigns – at the moment about 75% of experimental campaigns lead to second and third campaigns. And certain ad inventory is sold out up to 2 months in advance. Clearly consumers are engaging with the services and the brands, and advertisers are seeing value.
In addition to running banner ads on the portal, Vodacom also offers branded content propositions on Vodafone Live!, called “mini-sites”.
Rick added “We’ve even had a few cases of customers calling our support center, and asking why they didn’t get an ad – they saw it on a friend’s phone and they wanted the ad also!” Just proving that if done right, mobile advertising can be a good value for everyone.
“We’ve done these for a number of brands, but a great example is Nike. We hosted a mini-site on the portal, and the subscribers were able to download a whole range of Nike branded content – screensavers, wallpaper, videos - all free of DRM so with loads of viral potential” said Rick. He continued: “The key thing is that it was no cost at all to the subscriber - the content was free, and we also did not charge for the data transport. Vodacom recovered the cost of transport from the advertiser. It was a good value exchange proposition.” Was it successful? Very, with 84K downloads in 3 weeks.
Key Factors for Success Vodacom has generated this success in mobile advertising very quickly. Commercial pilots began in the summer of 2007, and the services went live in October of the same year. They have run some 250 campaigns for more than 30 brands, both local and global (including Coke, Nike, BMW).
Conclusion Mobile advertising has clearly gotten off to a great start at Vodacom in South Africa, with engaged consumers and satisfied advertisers. Currently 12 people are dedicated to mobile advertising at Vodacom, and this number is planned to double in the next 12 months. Rick and his team are now working on additional services they can offer which will increase the available ad inventory. It looks like this approach - strong corporate backing plus targeted ad propositions plus a commitment to create customer value - is a formula that the industry would do well to consider as the various markets develop around the world.
Issue 11 2008
17
news
Vodafone Swings to Fiscal Year Net Profit; Sarin Steps Down
timates. Annual sales rose 14.1% to GBP35.5 billion, driven by increased data sales, growth in emerging markets and positive currency exchange rates, in particular the strong rupee and euro against the British pound. The sales figure slightly exceeded analysts’ consensus of GBP35.2 billion and was above company guidance for full-year revenue of GBP34.5 billion to GBP35.1 billion. Vodafone derives 60% of sales from countries where the euro is the main currency and has an extensive Indian operation in Vodafone Essar. The results, combined with news of Vodafone’s CEO succession, pushed its shares higher Tuesday. At 0732 GMT, the stock was up 4 pence, or 2.1%, at 167 pence, one of the leading risers on the FTSE 100. “The guidance for 2009 is likely to push up people’s forecasts,” said John Davis, analyst at Dresdner Kleinwort.
V
odafone Group has posted a GBP6.7 billion net profit for fiscal 2008 compared with a loss a year earlier and announced that Chief Executive Arun Sarin will step down and be replaced by his deputy Vittorio Colao. “I felt the timing was right to handover as the company is in a good position strategically...I’ve achieved what I set out to achieve when I took the position” Sarin said in a conference call. Sarin, who has run the world’s largest mobile phone operator by sales for the past five years, will retire after the company’s annual general meeting July 29. The Newbury, England-based mobile phone operator said net profit for the 12 months to end-March was GBP6.66 billion, compared with a net loss of GBP4.93 billion a year earlier. The swing to net profit was fueled by a number of cost reduction and outsourcing programs in Western Europe. Last year, Vodafone also had higher losses after taking impairment charges on its Italian and German operations. Adjusted net profit, which excludes impairment losses, non-operating income from associate companies, and some currency effects, rose 6.7% to GBP6.63 billion, in line with analysts’ es-
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In its outlook, the company said that it expects fiscal 2009 revenue to rise to between GBP39.8 billion and GBP40.7 billion, and operating profit for 2009 between GBP11 billion and GBP11.5 billion. “The group continues to drive revenue growth, particularly in respect of its communications strategy for data and fixed broadband services and in emerging markets,” Vodafone said in a statement. Sarin said in a conference call that the worldwide macro-economic slowdown and rising inflation and food prices in the developing world were the biggest challenges for the company, but that Vodafone would “navigate through them”. He said the company is interested in possible acquisitions in Africa and Asia but would not comment on specific deals. Earnings before interest, taxes, depreciation and amortization, or Ebitda, rose 10% to GBP13.2 billion in fiscal 2008, compared with GBP11.96 billion a year earlier. Vodafone increased its total dividend per share by 11.1% to 7.51 pence, another factor likely to be welcomed by markets according to Cantor.
COVER STORY
Man Behind Safaricom’s $1 Billion Cash Machine Running a billion-dollar business may be an easy challenge for Safaricom’s CEO Michael Joseph, but managing this kind of money is the biggest job faced by any chief financial officer (CFO) in Kenya today. Since 2000, when Safaricom’s CFO Les Baillie was seconded to Kenya from Vodafone, along with Mr Joseph, he has played a behind-the-scene role managing Safaricom’s balance sheet to ensure that the business does not choke on its fast expansion due to lack of working capital, ensuring earnings are not pulverised by volatile interest rate and currency markets across regions and that the huge amounts of cash generated daily are invested wisely-and not lying idle--in the money markets through its tight and sophisticated three person Treasury operation. Over the last seven years, the business has raised $80 million in the local banking and capital markets, arranged the first interest rate swap and a foreign exchange hedge to mitigate against losses on the euro/shilling exchange rate. Working closely with Barclays, Standard Chartered and Oracle, the company has built one of the most efficient cash management systems operated by a big business in Kenya. Mr Baillie, who is also a fellow of the Chartered Institute of Management Accountants, talk about Safaricom’s cash management strategies, future dividend policy, coming battles to defend Safaricom’s market position against Celtel, Telkom and Econet and a host of other issues. With Safaricom generating revenues of Sh61 billion and Sh35 billion in cash generated from operations, is cash and liquidity management a big challenge? Mr Baillie: Yes, one of the challenges faced by the mobile service provider is ensuring that the revenues that come in from their various services are transferred to the bank accounts immediately and on a daily basis making it efficient to balance the day’s revenue and volumes. This is through ensuring that dealers get the money to banks immediately and that post-paid customers pay their bills on time. Another is ensuring consistency of the cash flow. Safaricom has improved this process through the use of Oracle system to track transactions reflected on the banking systems. About Sh70 million to Sh80 million in cash comes on a daily basis from the 350-dealer network, these dealers are expected to deposit this money to the banks as soon as possible. This is done by ensuring there is a good relationship between the dealers, banks and Safaricom by providing them with bank guarantees. Cash forecasts are done to ensure that we meet supplier payments and that cash is used efficiently and interest is earned from this money. How much time do you spend talking to banks?
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Baillie: Safaricom is the biggest generator of cash in this country, with the exception of the government. Our treasury department deals with electronic downloads from our bankers to the Oracle enterprise resource planning system, which records all transactions made in the day. This necessitates Mr Les Baillie to keep in touch with the banks every other day due to cash handling. The banks have now improved their response to Safaricom’s requirements, especially in the electronic systems, which should inter-relate. Standard Chartered and Barclays are their main transaction banks. How big are your treasury operations and is Safaricom a big player in the overnight lending market? Baillie: Safaricom deposits significant funds to various banks within a period of seven days to three months, but it does not deal with the inter-bank lending market. We have, however ,introduced an innovative auction system where we let various banks bid on a stipulated amount that Safaricom wants to deposit. The Safaricom’s Treasury department conducts the auction with the banks through e-mail. The bidding process takes various stages. Some drop out, if their bids are uncompetitive on the basis on interest rates offer. As few players remain in the subsequent rounds, they continue increasing the interest rates offered depending on how much they need our cash. For instance, if a bank needs Sh1 billion for seven days desperately, it is bound to offer more than others. The highest interest rate bidder wins the bid. This process is done in three rounds and takes about two hours. It is in Safaricom’s interest to ensure they get the most competitive rate for good returns. Has M-pesa brought any unique challenges to your treasury operations especially from a cash and liquidity management perspective? Baillie: Nearly Sh10 million is transferred daily by the M-pesa subscribers. The money that M-pesa subscribers load to their accounts is not Safaricom money, but it is owned by a M-pesa Trust account, that holds the funds in trust for the customers. Safaricom and the M-pesa Trust Company have a legal management
COVER STORY
agreement, where Safaricom’s role is to manage the money and ensure accurate reconciliations between the trust account and the Safaricom system. This system has checks and balances to improve security of the money so as not to lose credibility of M-pesa customers with the use of personal identification numbers. Most dealers order daily from Safaricom and some have credit limits and bank guarantees. The relationships between Safaricom, the dealer and bank are kept regular as they work closely taking into account some of their requests and by ensuring they are protected for any potential bad debts from the dealers. Pre-assigned credit limits are sometimes agreed between the dealer and Safaricom and this is processed and a week after the dealers deposits cheques to Safaricom for the balance. This system works well for both. Due to the wide dealer network third parties such as the G4S have been introduced in rural areas where the dealers can deposit the money. What is your strategy in terms of maximising your cash conversions cycles by ensuring that your receivables from post-paid subscribers are cleared on time, as little cash as possible is tied in airtime inventory and you get good credit terms from creditors? Mr Baillie: Post-paid customers account for only one per cent of the Safaricom subscribe base and account for the 10 per cent of the revenue. Post-paid customers vary from very large corporate customers right down to individuals and they are treated differently. They try not to disconnect or bar them from making calls as this may impede generating revenue from this service due to customer’s withdrawal. This disparity, however, has to be balanced due to the potential for bad debt. Payment terms is agreed on and for individuals they are given until the 16th of the month to pay their bills, while corporate are given longer terms. Post-paid bills can be done through credit cards, debits and the M-pesa system. The direct debit is still a bit of an issue for Safaricom since the banking system is a bit slow on setting up the original direct debits, however they encourage their customers to use M-pesa. BD: Your payables increased significantly. Sh12.4 billion last year to Sh19.4 billion in 2008. What could have led to Safaricom pursuing a working capital management strategy geared at using trade credit to fund operations, yet the company is so cash rich? Mr Baillie: Credit term from our suppliers is usually 30-day payment cycle, especially for smaller suppliers and they try to adhere to it. Siemens is one of their largest suppliers in equipment and machinery and the terms of payment can be negotiated
unlike the case with local suppliers. There are no extended credit terms for their supplies as per the contract. However, there are some exceptions where some suppliers offer us extended credit terms and we also use letters of credit. Delayed cash flows from subscribers may end up delaying payments to suppliers, thus we ensure the working capital is not an issue for the company to balance stock levels. Installing new network equipment increases working capital for the over 400 stations were installed by last year and increase revenues as well as suppliers revenue. Most of Safaricom’s internally generated funds have been going into expanding the network and repaying loans in the past three years, but now, with the business starting to throw nearly Sh10 billion in free cash flows, can the millions of the new shareholders expect to start seeing a more generous dividend pay out or will this treasure be consumed by your future network expansion as announced on Wednesday? Mr Baillie: Expansion of the network has been necessitated by Issue 11 2008
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COVER STORY
competition and increased subscribers necessitating installing new equipment, which takes about three to four months before Safaricom starts generating revenue from the new system. This expansion has increased subscribers in most areas and the core network ensures they are ahead of their subscribers.
the Internet, making Safaricom move to greater service delivery and customers can use this service better due to the good Internet connection. This is going to get even better when the various undersea fibre optic cable are completed by July, next year.
As for the shareholders dividend, Safaricom has already paid out three dividend payments to their shareholders and repaid their shareholder loans. Dividend payments depend on the company’s cash flow and not necessarily their level profits. Free cash flow is also a determinant of dividend and the company has focused the level of dividend going forward.
The undersea fibre option cables are much cheaper than satellite and will thus reduce costs of connecting to the outside world and also reduced prices charged to subscribers for these services. The capacity of the three cable operators will greatly enhance Safaricoms’ services, as the satellite capacity is nearly exhausting. Integrating higher capacity, better speed and reduced costs will benefit Safaricom, the customers and the shareholders.
As a CFO, what are the biggest challenges of managing the finances of a fast growing $1 billion business, especially in managing operating expenses during a major expansion and boost the return on assets and equity?
It was mentioned that computer licenses related to customer growth impacted on your operating expenses, could you elaborate the materiality of this one-off spending and will it be repeated this year if your meet your expansion targets?
Mr Baillie: The challenges are the costs of running the network, which are expensive especially due to expanding the network. Bigger challenges are on lack of power particularly in their base station situated in rural areas, where we are forced to install power lines.
Mr Baillie: We have a billing system that pays according to the number of subscribers, but the company changed the post-paid and pre-paid billing system last year to keep up with the growth in subscribers, but were unable to implement the new billing system in advance. Normally, Safaricom would capitalise the software license fee for a period of three years to five years, but because of the old pre-paid system that was being taken out of use in February, they company had to write off the licensing fees earlier than scheduled. Nevertheless this will not affect the ongoing business in the future.
The company has permission to build power lines, which are later handed over to KPLC to ensure the stations are supplied with electricity. In areas where there is electricity, diesel generators are required for back up at every stations and run for 24 hours. This has made it expensive and a major challenge for the company due to the rising costs of diesel with over 2,000 generators the challenge of running the generators using diesel is overwhelming to the company. Inflation has now increased by 30 per cent, this is another challenge posed to the mobile service provider as this increases the company’s costs and reduces the purchasing power of customers who reduce their spending on disposable income used to buy airtime and use it on foods. These costs have necessitated the company to resort to solar and wind power stations in areas with no electricity in addition to the two generators. BD: What kind of payoff should investors expect from Safaricom’s in 3G licence? Is there a significant barrier of entry as regard other competitors and is this project geared at customer acquisition, loyalty and spending? Mr Baillie: The 3G broadband network was launched last week and is the key to Safaricom’s future as it both supports voice and data components and provides a greater capacity than the 2G network. his network will work very well especially in Nairobi, where there was limitation of frequencies provided by CCK for voice component by the 2G network. The 3G network increases the ability to make consecutive phone calls at a time and carry more traffic. This has a speed of 3.6Mb/s for the data, but the company hopes to upgrade it to 7.2 Mb/s in the future to support a wider coverage and speed. This makes Safaricom provide the population with better network services than what is provided in European markets as they have been able to leap forward at a faster rate of seven years, what took Europeans over 20 years. The 3G network has also increased the speeds of connection to
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How is increased competition likely to affect your marketing costs and how material is this in regards to your operating expenses? Mr Baillie: As we announced during the results presentation, one of the measures that is closely watched in this business is EBITDA (Earnings Before Interest, Tax, Depreciation, Amortization) margin. It is one of the key items international investors are looking at, this is the percentage of revenue that is reflected by EBITDA, which has been at 50 per cent in the past. To achieve growth two years ago, the company had to spend more in marketing and advertising, commissions paid to dealers, when they connect subscribers and the EBITDA margins reduced to about 45 per cent and that’s entirely due to growth in the subscribers. With the new competitors coming in, the company has to ensure that they achieve its growth strategy and spend fairly heavily on marketing and acquisition costs (sim-card) and dealers’ commissions. Already 33 to 34 per cent of the population have a mobile phones so there is still more marketing that needs to be done to improve this value as analysts project this will increase to about 60 per cent doubling the number of subscribers in the next five years. The company needs to maintain these subscribers so will continue to invest in the acquisition and maintaining these subscribers. We want to still retain the existing customers due to new competitors coming in and this will require marketing.
Head Quaters 7 Olayinka Bamgbose Street Off Toyin Street Ikeja, Lagos State Nigeria.
Port Harcourt Office 8 Sanni Abacha Road GRA Phase Il
UK Office 11 Picardor House Coopers Close Dageham 7 Olayinka Bamgbose Street Off Toyin Street Essex, RM10 8TS Ikeja, Lagos Nigeria
+234 1 854 9091
+234 |805www.fonecare.biz 968 9674 Tel: +234 1 845 9091 | e: info@fonecare.biz
anthony@fonecare.biz
Issue 9 2008
23
Review
The Bold and the Beauty
B
lackBerry Bold smartphone - Crafted from premium materials, inside and out, that radiate elegance with a dramatic presence, the BlackBerry Bold is designed to give business professionals and power users’ unprecedented functionality and performance in an intuitive BlackBerry smartphone. It is the first BlackBerry smartphone to support tri-band HSDPA high-speed networks around the world and comes with integrated GPS and Wi-Fi, as well as a rich set of multimedia capabilities. From its lustrous black exterior, satin chrome finished frame and stylish leather-like backplate, to its stunning display, sophisticated user interface and newly designed full-QWERTY) keyboard, the BlackBerry Bold smartphone is a symbol of accomplishment and aspiration. The BlackBerry Bold smartphone’s support for tri-band HSDPA and enterprise-grade Wi-Fi (802.11 a/b/g) networks and its nextgeneration 624 MHz mobile processor make short work of downloading email attachments, streaming video or rendering web pages. The BlackBerry Bold also includes 128 MB Flash memory plus 1 GB on-board storage memory, as well as a microSD/SDHC memory card slot that is conveniently accessible from a side door. It comes with the renowned BlackBerry productivity applications, including phone, email, messaging, organizer and browser, and works with thousands of mobile business and lifestyle applications, making it easier than ever to stay connected, productive and entertained. With this powerful new smartphone, users can even talk on the phone while sending and receiving email or accessing the web, and download Word, Excel or PowerPoint files and edit them directly on the handset using the preloaded DataViz Documents to Go suite. The BlackBerry Bold smartphone comes with the most vivid and bold display ever introduced on a BlackBerry smartphone. Its halfVGA (480x320 resolution) colour LCD is fused to the undersurface of the lens, making images leap out with stunning definition and clarity. Pictures are vibrant and razor sharp, while videos play smoothly and web pages, documents, presentations and messages snap with exceptional quality and contrast. With its newly enhanced, high performance browser and high-resolution, ultra-bright display, the BlackBerry Bold smartphone gives users an on-the-go web browsing experience with desktop-style depiction. The trackball mimics a mouse, making it easy to navigate sites in “Page View?or “Column View?or to zoom in on specific parts of a web page, while various emulation settings allow users to choose between the full desktop-style HTML content and layout or the mobile version. Attachments can also now be downloaded from within the browser and there is support for watching streaming videos (RTSP - real-time streaming protocol).
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It features a 2 megapixel camera with video recording capability, built-in flash and 5x digital zoom. The enhanced media player can display pictures and slideshows quickly, play movies smoothly in full screen mode, and manage an entire music collection. Audio can be played over the handset’s dual speakers in rich, stereo sound, and when using wired headphones or external speakers, the media player gives the user an equalizer with 11 preset filters - like “Lounge? “Jazz?and “Hip Hop?- that boost or soften audio ranges to create the perfect ambiance. For even broader high-speed network coverage, the BlackBerry Bold smartphone supports the 802.11 a/b/g Wi-Fi standards, ideal for use in enterprise or campus wireless LAN deployments, over Wi-Fi hotspots and on wireless home networks. A new “Push Button Setup?is included, making it faster for users to connect to protected wireless networks that require a sign on process. Through its integrated GPS, the BlackBerry Bold smartphone can pinpoint its exact location, supporting applications like BlackBerry Maps and other location-based applications or services. With its improved rendering capabilities, faster download speeds and ability to support simultaneous voice and data, the BlackBerry Bold smartphone even allows users to navigate while on a call. The BlackBerry Bold smartphone comes with a variety of convenient accessories including a stereo headset, travel charger, carrying case or sleeve and USB cable. Users will also be able to personalize their BlackBerry Bold smartphone by purchasing replaceable leather-like backplates that come in a range of colors. The removable / rechargeable 1500 mAhr battery provides multi-hour usage with a target talk time of approximately 5 hours and 13 days standby time.
Key features of the device include: ▪▪ Desktop style web pages Tri-band HSDPA ▪▪ Integrated GPS Next-generation 624 MHz mobile processor ▪▪ Enhanced multimedia features Half-VGA (480x320 resolution) colour LCD display ▪▪ QWERTY keyboard Support for enterprise-grade Wi-Fi (802.11 a/b/g) networks
MobileWorld
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news
Zain to sponsor historic concert honouring Nelson Mandela at 90
Z
ain Group, the leading mobile telecommunications in the Middle East and Africa, is proud to announce that it will sponsor the international concert honouring Nelson Mandela’s 90th birthday and will raise funds for his charitable work. At the concert, which will be held in London, many of the world’s most powerful and instantly recognisable figures and an audience of 46,664 will pay their tributes to one of the world’s most loved leaders, Nobel Peace Prize Laureate and icon of freedom, Nelson ‘Madiba’ Mandela, as he turns 90 later this year. Mr. Mandela will arrive in London in June to take part in a series of events to mark his birthday: a very rare occasion since he is now finally “retired from retirement.” Announcing the sponsorship Zain Group CEO Dr Saad Al Barrak said, “We are proud to be part of this event honouring Mr. Mandela, a global icon whose sacrifices for the African people are well known to all. It is in line with Zain’s global ambitions and corporate social responsibility philosophy that we participate in the raising of funds for the Mandela Foundation.” Zain is offering people in Africa the chance to participate in this event by using its mobile phone networks in Africa to send text messages wishing Nelson Mandela a happy birthday. All the money raised from this will be given to the Nelson Mandela Foundation to be used in its charitable work. In addition Zain is making arrangements for people in Africa to see the event. Mr. Mandela said at the announcement of the concert: “You all know that I am supposed to be retired but my friends and the charitable organisations that bear my name want to use my 90th birthday year to raise funds to continue our work and so of course I want to help them. So, we have a bargain - I am going to London and they will host a concert in Hyde Park, which will raise awareness of our continuing work and much needed funds.” Royalty and politicians from around the world, leading names from business, sport, film and entertainment – and some of the most successful musicians of the past twenty years – make up the birthday list for three days of celebrations, culminating in a three-hour evening concert in London’s Hyde Park on Friday June 27, The 46664 Concert Honouring Nelson Mandela at 90. President Bill Clinton, UK Prime Minister Gordon Brown, Will Smith, Ms. Oprah Winfrey, Robert de Niro and Forest Whitaker are amongst those who will attend some of the events. In keeping with its drive to promote African arts and culture Zain, through its African subsidiary Celtel, is funding several of Africa’s most famous artists including the legendary Papa Wemba and Kenya’s Suzanna Owiyo to perform at the international concert. Other African artists who will perform at the concert to celebrate the life of the world’s most respected statesman include Johnny Clegg, Sipho Mabuze, multi-South African Music Awards winner Loyiso, Kurt Darren, the Grammy award winning Soweto Gospel Choir, Aids orphan choir The Children of Agape - the subject of the award winning film feature ‘We Are Together’ and Sudanese rapper
Emmanuel Jal. Other artists specially invited to perform for Mr. Mandela at the Friday night 90th birthday concert include Queen + Paul Rodgers, Annie Lennox, Simple Minds, Leona Lewis, the Sugababes, Dame Shirley Bassey, Razorlight, Andrea and Sharon Corr, Eddy Grant, and Jamelia, along with international 46664 Ambassadors Italy’s Zucchero and Spain’s Amaral. The concert will feature numerous unexpected appearances, with several major artists keeping silent about their involvement in order to take both Mr Mandela and the audience by surprise. Among the specially chosen artists are many whom Nelson Mandela is recognising for having voiced their support for him over the past 20 years, dating back to London’s historic Free Mandela concert of June 1988, which called for Mr. Mandela’s release from incarceration on Robben Island and which Mr Mandela has said gave him and his fellow prisoners great inspiration. Rounding out the twenty years since the Free Mandela event in 1988, the concert will also feature top artists of today including worldwide No.1 artist Leona Lewis and Britain’s most successful female group, the Sugababes. As his final public engagement on his visit to the UK, Mr. Mandela’s appearance at the concert is sure to be emotional. In stepping down from his campaign work he will use the concert to deliver his message presented in the current 46664 campaign “It’s in our hands”, that he is handing over the 46664 mantle to each of us to carry forward on his behalf.
Issue 11 2008
25
PEARL 8100
The Positives Outstanding piece of technology with great multimedia features for business user The Negatives Lack of Wi-Fi and 3G
VITAL STATISTICS SAR rating
8700
The toggle wheel and menu are its big strength The Negatives Can’t edit attachments and compose an email with attachment
Talk Time/Standby
4hrs/360hrs
Size/Weight
107X50X15/89g
Internal memory
64MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
shared memory
Screen
64,000 colours
Loudspeaker
Yes
Camera
1.3 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/acc+
GPRS
Yes
Messaging
sms/mms
Voice dialling
No
Connectivity
bluetooth, usb, infrared
Voice recording
No
Rating: 87% The Positives Mobile on the move also let you view your attachments.
1.34W/kg
VITAL STATISTICS SAR rating
TBC
Talk Time/Standby
4hrs/450hrs
Size/Weight
94X69.5X19.5/134g
Internal memory
64MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
shared memory
Screen
64,000 colours
Loudspeaker
Yes
Camera
No
Ringtone
polyphonic/mp3
Music
No
GPRS
Yes
Messaging
sms/mms
Voice dialling
No
Connectivity
bluetooth, usb, infrared
Voice recording
No
SAR rating
TBC
Talk Time/Standby
5.9hrs/434hrs
Size/Weight
103.5X54X15/112g
Internal memory
100MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w +microSD
Screen
262,000 colours
Loudspeaker
Yes
Camera
5 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/acc+
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
Bluetooth, Infrared, USB, HSDPA, 1.8 Mbps
Voice recording
Yes
Rating: 85% The Positives Cool looking phone and loaded with features.
U 990
The Negatives The touch-sensitive soft keys just slow things down.
VITAL STATISTICS
Rating: 87%
PRADA
The Positives Stylish phone that boast of a decent flash and good call quality. The Negatives No expandable memory.
VITAL STATISTICS SAR rating
TBC
Talk Time/Standby
3.2hrs/200hrs
Size/Weight
94X44X15/103g
Internal memory
128MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
56,000 colours
Loudspeaker
Yes
Camera
1.3 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/acc+/wma
GPRS
Yes
Messaging
sms/mms/mail
Voice dialling
No
Connectivity
bluetooth, usb
Voice recording
Yes
Rating: 89%
Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
Issue 11 2008
27
The Positives Good camera and stylish look.
Z8
The Negatives Confused camera setting.
VITAL STATISTICS SAR rating
0.5W/kg
Talk Time/Standby
5hrs/380hrs
Size/Weight
109x50x15/112g
Internal memory
90MB
Frequency
3G+/900/1800/ 1900MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
2 megapixels
Ringtone
polyphonic. mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms/ems/im
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
SAR rating
0.5W/kg
Talk Time/Standby
5hrs/380hrs
Rating: 88% The Positives Colourful , good camera and stylish look.
V8
The Negatives Confused camera setting.
VITAL STATISTICS Size/Weight
103x53x11.9/112g
Internal memory
90MB
Frequency
3G+/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic, mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms/im
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
Rating: 88% The Positives Has an improved user interface with a stylish design.
Z3
The Negatives Confused camera setting.
VITAL STATISTICS SAR rating
0.5 W/kg
Talk Time/Standby
3.2hrs/230hrs
Size/Weight
106x46x16/115g
Internal memory
20MB
Frequency
850/900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic. mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms/im
Voice dialling
No
Connectivity
bluetooth, usb
Voice recording
No
SAR rating
TBC
Rating: 84% The Positives Has an improved user interface with a stylish design.
KRKZ
The Negatives No much functionality.
VITAL STATISTICS
MobileWorld
6hrs/300hrs
Size/Weight
103x42x16/103g
Internal memory
20MB
Frequency
900/1800 MHz
Phonebook Capacity
1000w + Sim
Screen
56,000 colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/wma
Voice dialling
Yes
Connectivity
Bluetooth, USB
Voice recording
Yes
Rating: 88%
28
Talk Time/Standby
Visit i-Cell Authorised Service Centre for original warranty handsets. +234 (01) 2557333
Opebi Road, Ikeja, Lagos Tel: visitAddress: us at 49 www.mobileworldmag.com
The Positives Great business phone, with responsive keyboard, media player and great camera.
E90
The Negatives Size might be user of some users
Rating: 87% The Positives Excellent features with Carl Zeis camera lens with auto focus snaps.
N95
The Negatives Joystic might be galling.
VITAL STATISTICS SAR rating
1.12W/kg
Talk Time/Standby
6hrs/350hrs
Size/Weight
110X49X19/210g
Internal memory
42MB
Frequency
3G/900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
3.2 megapixels
Ringtone
mp3/aac+
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/im
Voice dialling
Yes
Connectivity
bluethooth/infrared/ usb
Voice recording
Yes
SAR rating
0.84W/kg
Talk Time/Standby
3.10hrs/240hrs
Size/Weight
99x53x21/120g
Internal memory
50MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
5 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/im
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
VITAL STATISTICS
Rating: 94% The Positives Small slick slider camera phone.
E65
The Negatives No expandable memory.
Rating: 84% The Positives Excellent speaker and very sturdy.
N76
The Negatives Flickering display.
VITAL STATISTICS SAR rating
0.63 W/kg
Talk Time/Standby
6hrs/260hrs
Size/Weight
105x46x15.5/115g
Internal memory
50MB
Frequency
3G/850/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
176x220 px, 262,000 colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic. mp3
Music
mp3/aac/mpeg
GPRS
Yes
Messaging
sms/mms/ems,mail
Voice dialling
Yes
Connectivity
bluetooth, usb, wi-fi
Voice recording
Yes
SAR rating
0.50W/kg
VITAL STATISTICS Talk Time/Standby
3.3hrs/260hrs
Size/Weight
109x53x21.8/124g
Internal memory
20MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/mpeg/aac/amp/ wma
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
Bluetooth, USB
Voice recording
Yes
Rating: 84%
Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
Issue 11 2008
29
6300
The Positives Lovely slim phone with brilliant display. The Negatives Poor battery life & internal memory too small.
VITAL STATISTICS SAR rating
TBC
Talk Time/Standby
3.3hrs/348hrs
Size/Weight
106.4x43.6x11.7/91g
Internal memory
6MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
176x220 px, 262,000 colours
Loudspeaker
polyphonic, mp3
Camera
2 megapixels
Ringtone
mp3/aac
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
bluetooth, usb, wi-fi
Voice recording
Yes
SAR rating
1.18W/kg
Talk Time/Standby
3.3hrs/348hrs
Size/Weight
106.4x43.6x11.7/89g
Internal memory
6MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
176x220 px, 262,000colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic, mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
Rating: 90% The Positives Lovely slim phone with brilliant display.
E50
The Negatives Poor battery life & internal memory too small.
Rating: 90% The Positives Design for business users, no fiddly controls.
5300
The Negatives Screen resolution is low not a good complement for features.
VITAL STATISTICS
VITAL STATISTICS SAR rating
0.63 W/kg
Talk Time/Standby
3.10hrs/233hrs
Size/Weight
92.4x48.2x20.7/106g
Internal memory
5MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
256,000 colours
Loudspeaker
Yes
Camera
1.3 mega pixels
Ringtone
mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
SAR rating
0.87W/kg
Rating: 89% The Positives Stylish phone that boast of a decent flash and good call quality.
N73
The Negatives No expandable memory.
Rating: 89%
VITAL STATISTICS Talk Time/Standby
3.5hrs/265hrs
Size/Weight
101x496x20/125g
Internal memory
40MB
Frequency
3G+/900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
240x320 pixels, 16M colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/im
Voice dialling
Yes
Connectivity
Bluetooth, USB
Voice recording
Yes
Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
E61
The Positives Long battery life, loads of office functionality and good resolution. The Negatives Lack of camera.
VITAL STATISTICS SAR rating
0.6W/kg
Talk Time/Standby
9hrs/400hrs
Size/Weight
117x70x14/144g
Internal memory
62MB
Frequency
3G+/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
16M colours
Loudspeaker
Yes
Camera
nil
Ringtone
mp3/aac
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
bluetooth, usb, wi-fi
Voice recording
Yes
SAR rating
1.18W/kg
Talk Time/Standby
3hrs/250hrs
Size/Weight
105x46x15/89g
Internal memory
35MB
Frequency
3G+/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
16M colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
Yes
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/im
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
Rating: 89% The Positives HSDPA enabled for internet speed. Good for entry level smartphone users.
6120
The Negatives Battery life could be better.
VITAL STATISTICS
Rating: 90% The Positives Has push email capabilities and strong battery life.
E50
The Negatives Lack of 3G and wi-fi.
VITAL STATISTICS SAR rating
0.86 W/kg
Talk Time/Standby
6.5hrs/216hrs
Size/Weight
113x43.5x15.5/104g
Internal memory
70MB
Frequency
3G+/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
1.3 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
SAR rating
0.87W/kg
Talk Time/Standby
3.5hrs/265hrs
Size/Weight
101x496x20/125g
Internal memory
40MB
Frequency
3G+/900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
240x320 pixels, 16M colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/im
Voice dialling
Yes
Connectivity
Bluetooth, USB
Voice recording
Yes
Rating: 84% The Positives Come with GPS reception with loads of great features.
6110
NAVIGATOR
The Negatives
Rating: 90%
VITAL STATISTICS
Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
Issue 11 2008
31
The Positives Good camera and loaded with features.
U600
The Negatives The touch-sensitive soft keys just slow things down.
VITAL STATISTICS SAR rating
0.48W/kg
Talk Time/Standby
3.5hrs/250hrs
Size/Weight
103.5x49x10.9mm/81g
Internal memory
60MB
Frequency
850/900/1800/1900 MHz
Phonebook Capacity
1000Spaces
Screen
262,000 colours
Loudspeaker
Yes
Camera
3.2 megapixels
Ringtone
polyphonic, mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms
Voice dialling
No
Connectivity
bluetooth, usb, infrared, hsdpa, 1.8 mbps
Voice recording
Yes
SAR rating
1.34W/kg
Rating: 87% The Positives Stylish phone that boast of a decent flash and good call quality.
G600
The Negatives No expandable memory.
VITAL STATISTICS Talk Time/Standby
4hrs/270hrs
Size/Weight
102x47.8x9mm/105g
Internal memory
55MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
5 mega pixels
Ringtone
polyphonic, mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms
Voice dialling
No
Connectivity
bluetooth, usb, infrared, hsdpa, 1.8 mps
Voice recording
Yes
SAR rating
0.679 W/kg
Talk Time/Standby
2.5hrs/155hrs
Size/Weight
103x44x9.4/77g
Internal memory
128MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
64,000 colours
Loudspeaker
Yes
Camera
VGA
Ringtone
polyphonic, mp3
Music
mp3/aac
GPRS
Yes + EDGE
Messaging
sms/mms/im
Voice dialling
No
Connectivity
bluetooth, usb
Voice recording
Yes
SAR rating
0.84W/kg
Rating: 87% The Positives Dual face design and nice music player.
D840
The Negatives The phone interface is hard to use.
VITAL STATISTICS
Rating: 84% The Positives Stylish phone that boast of a decent flash and good call quality.
X820
The Negatives No expandable memory.
VITAL STATISTICS Talk Time/Standby
3.5hrs/265hrs 40MB
Size/Weight
103x51x13/66g
Internal memory
Frequency
900/1800 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/aac+/wma
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
bluetooth, usb, infrared
Voice recording
Yes
Rating: 90% Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
The Positives Top class phone packed with great features.
W960
The Negatives Touch screen is difficult to use.
Rating: 92%
W950
The Positives A whopping 4GB memory holds 4,000 tracks. Outstanding piece of technology with great multimedia features for business user. The Negatives No camera.
VITAL STATISTICS SAR rating
0.6W/kg
Talk Time/Standby
9hrs/370hrs
Size/Weight
117x70x14/144g
Internal memory
8GB
Frequency
3G+/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
16M colours
Loudspeaker
Yes
Camera
nil
Ringtone
mp3
Music
mp3/mpeg/aac
GPRS
Yes
Messaging
sms/mms/ems/mail
Voice dialling
Yes
Connectivity
bluetooth, usb, wi-fi
Voice recording
Yes
VITAL STATISTICS SAR rating
1.34W/kg
Talk Time/Standby
4hrs/360hrs
Size/Weight
107x50x15/89g
Internal memory
64MB
Frequency
900/1800/1900 MHz
Phonebook Capacity
Shared memory
Screen
64,000 colours
Loudspeaker
Yes
Camera
1.3 mega pixels
Ringtone
polyphonic, mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms
Voice dialling
No
Connectivity
bluetooth, usb, infrared
Voice recording
No
SAR rating
1.34W/kg
Talk Time/Standby
9hrs/370hrs
Size/Weight
109x55x16/89g
Internal memory
8GB
Frequency
3G+/900/1800/ 1900 MHz
Phonebook Capacity
1000w + Sim
Screen
64,000 colours
Loudspeaker
Yes
Camera
3.2 mega pixels
Ringtone
mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
bluetooth, usb, infrared
Voice recording
Yes
Rating: 87% The Positives Great screen and loads of improvement to email.
W910I
The Negatives Not impressed.
Rating: 84% The Positives Much better than P990i with improve update and better battery.
P1I
The Negatives Limited application.
VITAL STATISTICS
VITAL STATISTICS SAR rating
TBC
Talk Time/Standby
3.5hrs/265hrs
Size/Weight
106x55x17/89g
Internal memory
40MB
Frequency
3G+/900/1800/1900 MHz
Phonebook Capacity
1000w + Sim
Screen
262,144 Colours
Loudspeaker
Yes
Camera
3.2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
bluetooth, usb
Voice recording
Yes
Rating: 89%
Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
Issue 11 2008
33
The Positives Good cyber shot model with lovely features.
K850I
The Negatives Poor video recording.
VITAL STATISTICS SAR rating
1.14W/kg
Talk Time/Standby
9hrs/400hrs
Size/Weight
102x48x17/118g
Internal memory
40MB
Frequency
3G/900/1800/1900MHz
Phonebook Capacity
1000Spaces
Screen
262,000 colours
Loudspeaker
Yes
Camera
5 megapixels
Ringtone
polyphonic, mp3
Music
mp3/aac
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
bluetooth, usb, infrared
Voice recording
Yes
SAR rating
TBC
Talk Time/Standby
7.5hrs/340hrs
Size/Weight
103x47x9.4/73g
Internal memory
1MB
Rating: 85% The Positives Ultra slim design (9.4mm thin). The Negatives No FM radio.
W880I
VITAL STATISTICS
Frequency
900/1800 MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
5 mega pixels
Ringtone
mp3
Music
mp3/aac+/wma
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
bluetooth
Voice recording
Yes
Rating: 89%
W850I
The Positives Great phone with good sound quality. Allows full track download from Sony Ericsson online store. The Negatives Lack of auto focus and awkward control.
VITAL STATISTICS SAR rating
TBC
Talk Time/Standby
3.5hrs/320hrs
Size/Weight
98x47x21/116g
Internal memory
64MB
Frequency
3G/900/1800MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
2 megapixels
Ringtone
polyphonic, mp3
Music
mp3/aac+/mpeg
GPRS
Yes
Messaging
sms/mms
Voice dialling
Yes
Connectivity
bluetooth, infrared
Voice recording
Yes
SAR rating
1.84W/kg
Rating: 86% The Positives 3G handset, auto focus and 3.2 mega pixel. The Negatives
T650
Rating: 87%
VITAL STATISTICS Talk Time/Standby
9hrs/400hrs
Size/Weight
104x46x12.5/95g
Internal memory
16MB
Frequency
3G/900/1800/ 1900MHz
Phonebook Capacity
1000w + Sim
Screen
262,000 colours
Loudspeaker
Yes
Camera
3.2 mega pixels
Ringtone
polyphonic/mp3
Music
mp3/aac+
GPRS
Yes
Messaging
sms/mms,im & email
Voice dialling
Yes
Connectivity
bluetooth, usb, infrared
Voice recording
Yes
Visit i-Cell Authorised Service Centre for original warranty handsets. Address: 49 Opebi Road, Ikeja, Lagos Tel: +234 (01) 2557333
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