A Quiet Giant of Mobile Commerce: Carrier Commerce – a weekly blog series by John BaRoss

John BaRoss-01


Today I want to tell you something more about the two major sectors of Carrier Commerce!


The two major sectors of Carrier Commerce today are:
1) “Direct Carrier Billing” [DCB] – 2c in the hierarchy – today a $12B global industry, operating in over 100 countries, projected to grow to $18B-$22B in the coming years.
2) “Carrier Mobile Money” [CMM] – 1cii in the hierarchy – today a $2B global industry, operating in over 60 countries today and projected to more than double in the near term


Direct Carrier Billing and/or Carrier Mobile Money is available today to over 95% of the world’s population via hundreds of participating Carriers who partner with FinTech PSPs (Payment Service Providers) who enable these services. Today the mobile phone is the most ubiquitous technology worldwide in all developed and developing nations. Carriers globally have over 7B mobile phone accounts … nearly equal to the total global population. This distribution reach of Carriers dwarfs all other payment options combined.


Importantly, Carrier Commerce’s sectors of Direct Carrier Billing and Carrier Mobile Money both address market needs and pain points now. This fact helps explain the significant (yet oddly mostly quiet) adoption of DCB and CMM globally. That market pain point fundamentally dovetails with one of the great noble causes of our time – Financial Inclusion.

While Carrier Commerce is a compelling business opportunity that helps online merchants reach larger addressable markets, there is a higher calling that Carrier Commerce serves in that its unsurpassed distribution is helping improve the lives of countless millions globally.


In the next edition of this series I’ll share more about how Carrier Commerce is helping the unbanked become a part of the global economy – which helps them realize better lives.

Yours John BaRoss

A Quiet Giant of Mobile Commerce: Carrier Commerce – a weekly blog series by John BaRoss

John BaRoss-01


As I announced in part 1 of my series I will illustrate the common industry terms with a hierarchy-graph in part 2.


(click to view the whole poster)150716 John BaRoss-02


This hierarchy overly simplifies the complex array of payment industry solutions and does not include all the current and emerging solutions and permutations between multiple solutions in mobile commerce.  What this format does provide is calibration of the common terms in mobile commerce, showing (for instance) that mobile wallets – which dominate the industry media this year with headlines about wallet wars – is a subset of mobile commerce.  As investigative reporters have been seeking to get a scoop on launch dates for the various marquee mobile wallet providers in the news, there has been a nearly invisible portion of the Mobile Commerce landscape that is broadly referred to as “Carrier Commerce”.


In part 3 I will let you know something more about the two major sectors of Carrier Commerce!
Stay tuned!

Yours John BaRoss

A Quiet Giant of Mobile Commerce: Carrier Commerce – a weekly blog series by John BaRoss

John BaRoss-01


Mobile Commerce. Mobile Payments. Mobile Wallets. Mobile Money … these are some of the more commonly used terms for the hottest industry (Payments) in the broader “FinTech” industry – an industry that some refer to as the hottest industry in today’s global economy (as the world continues advancing to a ubiquitous digital economy). In late June 2015 Accenture reported that global investment in financial technology tripled to $12.2 billion. Of that total, over half the value of those investments was in the FinTech industry of ‘Payments’ (with a quarter in the FinTech industry of ‘Lending’ and the balance spread across a variety of other FinTech industries).


At a March 2015 annual payment industry conference held on the grounds of Harvard University in Boston, Massachusetts, discussions with several leaders of mobile wallet companies in the payment industry of FinTech acknowledged an interesting reality: Even among leaders in the payment industry one will not find a universal definition of a mobile wallet. Related to this notion, those who closely monitor the mobile commerce space (of course along with casual observers who may see occasional headlines about marquee firms making in this area), will find the above terms used interchangeably at times when in fact there are important distinctions. Without understanding the distinctions, there often are times that the general media, as well as even the industry media and industry leaders, report and/or make statements that inadvertently exclude key sub-sectors of the payment industry that is mobile commerce.


For the purposes of this blog series I will calibrate terminology by also framing these common industry terms in the context of a hierarchy-graph you can have a look at next week!

Yours John BaRoss!



John first got involved in carrier commerce near the dawn of monetizing the internet in the mid-1990s with AT&T’s premium 900 ‘voice-commerce’ business unit. He led a collaboration with AT&T Labs for microbilling that launched in 1999 as ClickAT&T – supporting recurring and/or ad hoc eCommerce transactions.  Next he was on governance leadership of a AT&T-Accenture JV that planned, launched and scaled AT&T PrePaid WebCents with 3rd Party VAS deals. After then he joined ClickandBuy LLC (known by some at the time as the PayPal of Europe) and did multi-million dollar licensing/outsourcing deals with global carriers. When ClickandBuy exited partnering with carriers he jumped to Amdocs QPass Digital Commerce where he envisioned and executed a strategic alliance with a carrier billing clearinghouse to create a differentiated ecosystem that won new carrier business. Recruited into India’s outsourcing industry in recent years to help them grow into eCommerce, he has done deals with Internet Retailer Top 500 while developing deeper global insights into global carrier commerce.

DIMOCO @ the Affiliate Summit East 2015

150707 affiliate summit in NY-01



Throughout the latest couple of years, DIMOCO has become a leading Carrier Billing specialist throughout Europe. Offering companies an easy way to bill their digital content through their consumers’ mobile phone bill, Carrier Billing is an optimal payment method to reach additional users.
DIMOCO is looking forward to meet clients, business associates & industry friends at the 2015 Affiliate Summit East in New York.


Martin Thor (Sales Account Manager – Mobile Entertainment) will represent DIMOCO in NY – make an appointment NOW: m.thor@dimoco.eu

Thank you for being part of the Carrier Community Berlin!

150701 Carrier Community

DIMOCO has truly become an accepted player in the messaging industry. We are known for quality and above all, for our constant efforts and endeavors to pursue a direct strategy in cooperation with carriers.


We really want to thank China Mobile, Deutsche Telekom, Telefonica, TATA Communications, nexmo, Mitto, cellfind, LANCK Telecom, fortytwo and all the others for exchanging experiences and valuable discussions!


See you latest in September in Madrid when the WWC is taking place!


Also special thanks to the CC team for the absolute professional organized congress!

Our approach for the upcoming Carrier Community event in Berlin

150622 DIMOCO on Tour Carrier Community-01



The strategic plan we have for this important congress is absolutely clear. On one hand we’re attending the show for reaching all API messaging providers globally and thread new partner programs for our wholesale unit, reselling our well-established direct carrier connections in CEE.


On the other hand our team will socialize with mobile network operators for promoting our DIMOCO coverage development. Such a well-organized Carrier Community is a brilliant chance for exchanging with existing partners but also forge links with new strategic associates.


DIMOCOs long-term philosophy, working on an area-wide DIRECT carrier coverage, has turned out absolute trend-setting. Our A2P messaging product is an excellent mix of quality, price & carrier acceptance.

Rafal Nowak (Account Director Mobile Network Operators) and Anton Chmelar (Sales Unit Manager Wholesale will act in place of DIMOCO.


We look forward welcoming everyone at our own meeting table we’ve booked in the ‘SMS corner’.

DIMOCO renowned market leader and provider of Wholesale SMS services in CEE

150618 Wholesale SMS-01


With a global SMS coverage and direct/ 1-hub connections in most Central and Eastern European countries, DIMOCO is a true messaging powerhouse in the CEE region.


We have a proven track record of handling large volume messaging projects and offer stable, high quality routing and competitive pricing.


Through our international expert team we maintain excellent operator relations and certainly play in the first league when it comes to quality, best prices and carrier acceptance.


Your SMS delivery has never been faster, easier or more reliable.


contact our Sales Team now!