DIMOCO guest blog post #1 of 4: Carrier billing becomes an impactful payment solution

By John BaRoss, Founder & President, FINCCLUDE Incorporated

John BaRoss Fincclude

A rather quiet alternative payment solution is continuing its inexorable ascension in depth and now breadth as a major, impactful payment solution globally.


Carrier Billing [CB], also referred to as Operator Billing, had its beginnings back near the dawn of monetizing the Internet. Visionaries of eCommerce saw the potential for transacting online, plus anticipated new forms of digital products but at price points far below viable economic model thresholds of traditional payments options like credit cards. The notion of micropayments caused eCommerce planners to intuitively look to telco/carriers to overcome this challenge. While carriers are communication network companies, their other significant core competency was billing. Specifically carriers supported line item billing of network call events that often represented charges to customers in amounts comparable to microbilling (less than $5.00, even less than $1.00).


In the US, while credit card penetration was significant, industry studies showed sizable portions of the population on the sidelines of eCommerce (20-40%+) due to either being unbanked or fearing to transact online with one’s personal financial account information. Leadership at major merchants viewed carrier billing as the Holy Grail of eCommerce billing but in the US, carrier leadership was under significant financial pressure due to chasing the fraudulent MCI/Worldcom ghost, and cramming and slamming billing complaints to the FTC, FCC then to Carrier C-suites (for unauthorized switching of long distance carrier). These environmental factors influenced thinking at leadership of US carriers to not aggressively pursue carrier billing.


Over time, while the US became generally viewed as a global laggard with CB, globally hundreds of carriers, thousands of merchants and countless millions of consumers scaled utilizing CB to make purchases of a potpourri of premium digital content goods and services. In 2016, CB has expanded its global reach to be available in about 120 countries (representing over 90% of the world’s population), supported by 1-10+ carriers per country. Leading industry analyst firms approximate the DCB globally supports $12-$16B+ now, projected to grow to over $24B by 2019.


About FINCCLUDE: Non-profit FINCCLUDE (Financial Inclusion Now, Carrier Commerce Leading a Ubiquitous Digital Economy) is downstream from AFI (Alliance for Financial Inclusion), uniquely exclusively serving the Carrier Commerce industry at the intersection of Financial Inclusion by helping to facilitate the cross-pollinating of financial inclusion success-knowledge to operational leaders in Carrier Commerce (when necessary, as a rapid response unit). www.fincclude.org).


What’s your opinion about carrier billing? Happy to receive your thoughts via twitter #DIMOCO or email to hello@dimoco.eu

DIMOCO on tour: Affiliate Summit East

DIMOCO @ the Affiliate Summit East

Meet DIMOCO at the Affiliate Summit East 2016. More than 5,500 attendees are expected at the conference & tradeshow which is taking place at the New York Marriott Marquis in New York City from July 31 to August 2. To meet someone of our consulting team and speak about your carrier billing opportunities please contact us now via email to sales@dimoco.us

DIMOCO trend update: Multiple screens will drive digital content revenue in coming years

Digital content revenues

Digital content revenues will increase from just less than USD 140 billion worldwide in 2015 to USD 180 billion in 2017, according to Juniper Research’s new white paper “Making Digital Content Pay”. As a leading payment institute for carrier billing, DIMOCO not only sees the same industry trend but also knows why it’s happening. The reason: A growing migration from physical to digital as well as a strong tendency from consumers to buy and use digital content on multiple screens.


Anticipating these industry changes, DIMOCO maneuvered nimbly, making the move to provide carrier billing on multiple screens. Juniper Research’s reinforces the foresight of this choice.


“As content migrates to digital,” the study explains, “there is an attendant trend away from content ownership and towards content access: it is perceived as far more critical to be able to say ‘listen to a song on multiple devices than to own it’. It also means that, increasingly, the device on which you pay for the content may not be the device on which you primarily access that content.”


Looking at the various digital content segments Juniper Research estimates games will continue to represent the largest share of digital content sales. Most notable in the report is the fact that video will have the strongest average annual growth level in the short and medium term. This will be another development in the shift from the linear viewing experience to a personalized, on-demand schedule. The second largest growth rates are anticipated in the ePublishing space.


The white paper is available to download from the Juniper website along with further details of the full research and the attendant Interactive Forecast Excel. To see what DIMOCO and Juniper Research estimate for “The Future of Carrier Billing in Europe”, including the entire digital content market potential with a payment method achieving up to 77 percent of conversion rates at first time transactions, download the Juniper Research & DIMOCO white paper.


Happy to hear your thoughts & questions about the future of digital content and payment via Twitter https://twitter.com/Dimoco #DIMOCO or email us at hello@dimoco.eu

DIMOCO trend update: fintech the revolution, carrier billing the big game changer

Carrier billing the big game changer

From our perspective carrier billing is the big game changer in the digital payment area – also confirmed within our latest Juniper Research publications. We are happy to present you DIMOCO’s brand new fintech overview. DIMOCO, defining the fintech future.

ROCCO report: DIMOCO Messaging has been rated as a leading A2P messaging vendor by MNOs

DIMOCO Messaging has been rated as a leading A2P messaging vendor by MNOs

Mobile network operators often find it challenging to identify the right vendors to deliver high-quality A2P SMS messaging services. Thankfully, ROCCO Consulting, a company that helps mobile network operators (MNO) navigate among vendors and make the right decisions, has the answers with its latest industry reports tracking the top industry players.



We can proudly announce that the results speak highly of DIMOCO Messaging’s efforts, as we received excellent ratings by mobile network operators (MNOs) surveyed in two recent reports. The “ROCCO Customer Service Report 2016” which covered all Vendors in the marketplace for Roaming and Interconnect and “ROCCO A2P SMS Messaging Vendor Performance 2016,” both confirmed that DIMOCO is a leading industry vendor.



When it comes to customer service, the company is among the top 10 vendors worldwide, with an overall score of 80 percent. ROCCO surveyed more than 500 mobile network operators (MNOs) globally for the customer service report.  Respondents considered 18 KPIs specific to customer service in three broad categories: care, capability and quality.  DIMOCO was awarded four out of five stars in all three essential areas: care, capability and quality.  According to ROCCO these KPIS featured important criteria, which are essential to the optimal delivery of services as well as vendors ability to delight customers.



The full ROCCO report is available on http://www.roamingconsulting.com/product/customer-service-report-2016-strategic-analysis/

DIMOCO Acquires Payment Division of Telekom New Media

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DIMOCO today announces the acquisition of the premium SMS (PSMS) business of Telekom New Media Zrt., a subsidiary of Magyar Telekom Nyrt., the leading Hungarian telecommunications service provider. This acquisition solidifies DIMOCO’s position as the leading carrier billing provider in the Hungarian market.

“With our recent acquisitions of businesses in France, Greece and Italy, this is DIMOCO’s fourth customer acquisition in recent history, and our momentum is only growing stronger,” said Gerald Tauchner, DIMOCO president and CEO. “From the very beginning, the Hungarian market has been one of the most strategic and relevant for DIMOCO’s expansion strategy. With strong traction in other countries and across the EU, we are now the market leader for billing digital content via the mobile phone in the country.”

The Hungarian market boasts a 109.3 percent handset penetration rate, as opposed to its 11.8 percent credit card acquisition rate.  With nearly 11 million handsets in circulation, this market is primed for the current and future opportunities made possible with DIMOCO carrier billing services.

Questions left? DIMOCO is happy to answer them.

DIMOCO trend update: A2P messaging revenue will increase to reach $60 billion dollars

160606 Trend Update_A2P messaging market-14

The A2P messaging market is set to boom in the upcoming years. Juniper Research predicts that worldwide A2P messaging revenue will increase by $5 billion over the 5 years to 2018 to reach $60 billion dollars. But, what does it really take to tap into this growth? And, what are the best practices to effectively communicate to billions of global consumers directly from your enterprise application?

DIMOCO prepared a checklist of “must-haves” for using A2P messaging as a key communication tool:


High-quality routing direct to Network Mobile Operators: Direct to the operator means a more reliable and robust service, getting your message out to your customers in a far more timely manner.


Replay path for consumers: Long number and shortcode services makes your relationship with your customer interactive, creating a two-way conversation.


Suppliers with local knowledge:  knowing the local SMS market provides a significant advantage when optimising communication with your customers.


Easy-to-use technology: standardised APIs and Intuitive supporting tools, means you can concentrate on the message to your customers, content that the message will get to them.


Want to know more about A2P messaging? Contact DIMOCO!