DIMOCO guest blog post #3 of 4: Unleashing the optimal potential of carrier billing

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Carrier Billing continues to help realize revenues

By John BaRoss, Founder & President, FINCCLUDE Incorporated

In recent years, pioneering Carriers and their partners have

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continued to successfully advance how CB helps merchants and consumers by demonstrating again CB’s effectiveness as a billing option – now for ‘soft-physical’ goods like ticketing (i.e.: commuting/transportation via taxi, ferry, train, ferry, (etc.); sporting events and more). The benchmarks for incremental revenues, larger addressable markets, higher conversion rates, as well as stickier customers and goodwill windfalls again were achieved.


A majority of FinTech Payment Industry coverage focuses on marquee companies (Apple, Google, Samsung, etc.) as they strive to advance Mobile Payments/proximity payments. While specifics are proprietary, one important indication of marketplace feedback comes from Vodafone which has the flagship Carrier operated mobile money service: M-Pesa. In contrast to the attention garnered by proximity payments, a significant majority of M-Pesa transactions are remote as opposed to proximity, reinforcing the notion that CB’s focus dovetails with consumer/marketplace needs.


During a late May 2016 webinar by Ovum, CB was stated to have achieved $16.6B in 2015, projected to climb to $25.3B by 2020. Clearly $16.6B is huge, yet viewed through the lens of Carriers which had aggregate revenues of $1.02T in 2015, CB was less than 2% of the Carrier industry’s 2015 total. That said, there is growing appreciation in increasing numbers of Carrier C-suites that M-Commerce revenue is projected to be $1.3T by 2020, overtaking aggregate global carrier revenues in just a few years. The incremental revenue opportunities from M-Commerce via Carrier billing assets can be huge.


As CB understanding, acceptance and appreciation grows, regulators to carriers globally are now making moves to adjust regulations and modify carrier economic models to help unleash the optimal potential of CB for online merchants selling physical goods. Speaking with industry leaders involved in emerging CB-physical goods initiatives, two (parallel) value proposition thrusts were evident:


1) Harnesses the array of CB benefits (merchants realizing incremental revenue, reaching larger addressable markets, superior conversion rates, etc.). There is also an increased focus on CB helping advance financial inclusion – a differentiated strength of CB as its purpose since the beginning was to reach the unbanked.

2) A new twist for those familiar with carrier economic models because it involves margin advantages. Carriers have established a reputation for charging a premium for DCB. Merchants decide whether the incremental business via CB was worth CB’s premium (lower margin to merchant). As a variety of environmental factors have evolved over time, a trend is emerging with carriers becoming more competitive with their margins, and in some markets the CB margin is providing a better margin compared to certain alternative payment options.


More about FINCCLUDE: www.fincclude.org).

Happy to get your thoughts via twitter #DIMOCO or email to hello@dimoco.eu

Top 3 FINTECH Predictions

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Fintech Predictions







DIMOCO Carrier Billing, defining the FINTECH future
Happy to get your thoughts via twitter #DIMOCO or email to hello@dimoco.eu

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

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

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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.

DIMOCO Acquires Payment Division of Telekom New Media

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160628_DIMOCO_Telekom New Media-01

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: FINTECH: The Evolution

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Fintech: The Evolution

Barter trade, commodity or weight money… it was a long evolution and a big revolution to the introduction of currency as we know it today. With the digital age and the introduction of various screens, the entire payment industry was transformed once again. The digital landscape changed and so did the opportunities to purchase goods and services.


Digitalization led to the second revolution in the financial industry. The “over-all-screens” trend didn’t stop in front of the financial industry’s door. It was just overflowed by new payment possibilities.


And here we are: While digital payments like carrier billing available as a way of paying for goods and services online, banking institutions are now challenged to keep up with the influences of the new digital world.


Welcome to the FinTech era. Another star on the payments sky, the third revolution lets companies engage technology to optimize financial services. This is not new for carrier billing companies, like DIMOCO, it is just the fact that we now found our place within a broader landscape. Hello to all other FinTech companies out

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there, welcome to

our world. We are leading the charge to finnovate the financial technology sector. Are you ready for the fourth revolution? ;-)


DIMOCO Announces Acquisition of Onebip

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DIMOCO today announced that it is acquiring Onebip SpA, a mobile payment company specialized in direct carrier billing services, to enhance its services and European market position. The purchase of Onebip SpA from its former shareholder Neomobile SpA, further increases DIMOCO’s market share in the European carrier billing market.

DIMOCO company acquisition onebip

From left to right: Claudio Rossi / Neomobile CEO; Gianluca D’Agostino / exiting CEO of Onebip; Heinz Brasic, DIMOCO Europe President & COO


“The combination of Onebip’s position in the Italian market with our broader European coverage will provide our clients with access to one of Europe’s largest mobile payment markets and will make inroads into major Latin American markets, such as Brazil and Mexico,” said Gerald Tauchner, president and CEO of DIMOCO. “The acquisition is also expected to result in greater efficiencies and significantly enhanced technical abilities.”

“I strongly believe that Onebip technology and its solution suite will have a significant impact on the DIMOCO brand,” said Gianluca D’Agostino, exiting CEO of Onebip SpA. “I see material synergies in this deal and the outcome will prove to be valuable for both merchants and mobile network operators.”

The acquisition of Onebip was accomplished through the close liaison between Neomobile and DIMOCO. The two companies will continue their partnership to strengthen their position both in Europe and Latin America. Neomobile, the leading mobile commerce company and former shareholder of Onebip SPA, will focus more on digital entertainment, its main business, and leaving behind the mobile payment segment.

“This deal strengthens our partnership with DIMOCO and provides us the opportunity to focus more on our path of innovation, increasing our investments in new products in mobile entertainment and programmatic advertising, while speeding up our entry into new markets in Middle East and Asia.” said Claudio Rossi, CEO of Neomobile.

Under the terms of the acquisition agreement, DIMOCO has agreed to use Onebip’s existing payment hub and engineering staff to provide high-quality services to international merchants. Onebip’s clients will continue to receive the same quality of service they have come to expect. Onebip is now a wholly owned subsidiary of DIMOCO Europe and employs 15 people in the city of Milan. It will be renamed to DIMOCO Italy SpA, which will continue to use Onebip as a product brand. The post-merger integration is in process and will take place over the next few weeks.


DIMOCO’s Payment Service Act License Passported to the EU

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DIMOCO payment license Europe

DIMOCO today announces that its established payment institute, that holds a payment service act license from the Austrian Financial Market Authority (FMA), had its license passported to all 28 EU member states during February 2016. With this expansion of its license, the Fintech company is now a European-wide regulated payment institute with its payment service act license notified at the central banks across the EU.

“We are now in a solid position to support our telecom carriers and merchants in their EU-wide business efforts as the number one payment institute for carrier billing in Europe,” said Gerald Tauchner, DIMOCO president & CEO.