No. 1 payment method in reach!

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Monetize new customers with the #1 digital payment method in reach. Carrier billing enables everyone with a mobile phone to buy your goods & services – perfectly adjusted for mobile, tablet, laptop, PC & TV use.


It provably increases your conversion rates up to 60% compared to credit card payment, and you profit from an enormous sales boost. (Juniper Research & DIMOCO White Paper).
One click on the smartphone & the payment is completed. Your customers are automatically & securely identified via the mobile network.

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

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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

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John BaRoss-01   As I announced in part 1 of my series I will illustrate the common

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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

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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.