DIMOCO Managemen team insight

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Matthias H-01


To get to know our Management board, we asked them to introduce themselves by answering some questions for our Blog and Social Media channels…


1.     What is your maxim?

Listen. Take the best, leave the rest


2.     What do you do in your spare time with your Smartphone?

Working ;-)


3.     Who inspires you, do you have a role model?

Richard Branson


4.     What do you like most about working in the mobile payment business?

Meeting people from all over the world and operating in a very challenging and exciting market
5.     What is your personal goal for DIMOCO?

Positioning DIMOCO as the number 1 European provider for enterprise messaging

DIMOCO´s and Juniper´s White Paper: What is Direct Carrier Billing in Europe

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140508 DIMOCO Trend Update-01


It is arguable that the key assets of the network operator are, firstly, its network; and, secondly, its billing relationship with the end user. As its direct role as a content retailer has diminished, direct carrier billing opens up the possibility of generating a revenue stream which, while it will not necessarily provide a wholescale solution to the underlying problems, may at least deliver revenue streams which equal or even exceed MNO content revenues pre-storefront.


Furthermore, there is the opportunity for content monetisation not merely for content delivered to the handset, but across an array of devices. Direct carrier billing may be simply defined as ‘making a payment for goods or services which is charged to the customer’s phone account, either to the monthly phone bill (for contract customers) or as a debit from prepaid credit.’In this section we explore the way in which billing for content has evolved, from the initial PSMS deployments to the more recent emergence of direct carrier billing solutions, with content providers now able to capitalise on the consumer desire for digital content across all platforms by providing a ubiquitous (and straightforward) mechanism to monetise that content. ”


If you are interested in more details you can download DIMOCO´s White Paper here


DIMOCO Management team insight

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GERALD TAUCHNER   To get to know our Management board, we asked them to introduce themselves by answering some questions for our Blog and Social Media channels…  

1. What is your maxim?

There is only one speed: full speed   2. What do you do in your spare time with your Smartphone? The question should be rather what I don’t do with my smartphone…   3. Who inspires you, do you have a role model? My little son – he knows what’s really important in life!   4. What do you like most about working in the

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mobile payment business? New challenges are waiting around every corner!   5. What is your personal goal for DIMOCO?

Reaching our objectives together with a goal-driven and successful team.

A little refreshment for you!

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is going to be a veeeery hot weekend and we hope to refresh your minds a little!

DIMOCO shows how the digital generation travels

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140710 Mr D post-01


Mister digital goes on a holiday trip:

SMS and mobile operator payment are an ideal complement
With our second edition of Mister Digital we show how the digital generation travels. Mr. D. communicates, researches and organizes his holiday plus the accompanying info & entertainment program on his smartphone, tablet, and laptop.

While texting in the application-to-person sector can be used for information purposes when travelling, mobile operator payment makes quick and easy payment of digital content such as tickets, possible. The travel industry has long discovered the benefits of the mobile channel, thereby significantly increasing usage rates by smartphone and tablet users.


140715 Mr.D Summer poster


You can download the poster here

DIMOCO Management Team Insight

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To get to know our Management board, we asked them to introduce themselves by answering some questions for our Blog and Social Media channels…


1. What is your maxim?

First think, then act.


2. What do you do in your spare time with your Smartphone?

Managing my entertainment and sports program.


3. Who inspires you, do you have a role model?

Outstanding personalities with outstanding efforts, people who took a high risk at the beginning and were successful at the end.


4. What do you like most about working in the mobile payment business?

The mobile payment and messaging industry is a fast-moving business. Every day is different, every day presents new opportunities.


5. What is your personal goal for DIMOCO?

Work hard to become one of the companies inside the “mobile payment tornado”.

DIMOCO France Mobile Operator Payment Special

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140313 DIMOCO country update-01   With France DIMOCO publishes the third edition of its mobile operator payment country special. A mobile handset penetration rate of 98.4 percent compared with credit card ownership of 37.5 percent shows enormous potential when it comes to billing digital content via mobile operator payment. A fact that is also reflected in the development of value added data services: According to ARCEP, an increase from 196 million Euros in the fourth quarter 2012 up to 226 million Euros in the fourth quarter 2013 was measured. This represents an annual growth rate of 15.4percent and includes premium-rate services such as various data and push services, e.g. chat rooms, weather forecasts, TV game shows, horoscopes,

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ringtone downloads and corresponds to all amounts billed to customers by operators, including out payments from operators to service providers. At the same time the number of value-added data service messages decreased from 209 million messages in Q4/2012 to 183 million messages in Q4/2013 – representing a decrease of 12.6percent. “More and more payment transactions are made through direct carrier billing”, says Gerald Tauchner, explaining the trends in the mobile operator payment industry.   Digital content can be billed using three billing types and up to a tariff range of 30 Euros The DIMOCO country special reveals mobile operator payment specific data and gives insights into the French market. In France, billing digital content is possible with all four mobile network operators: Orange, which has a market share of 44.2%; SFR, the second mobile network operator in the country with a market share of 34%; Bouygues Telecom (17.7%) and Free Mobile (4.1%). Three different billing types are available on the French market: Besides premium SMS and direct carrier billing, mobile network operators also offer ISP (Internet Service Provider) billing. While “SMS+” stands for the French Premium SMS Billing Solution, “Internet + Mobile” is the Direct Carrier Billing Solution and “Internet + Box” is the well-known, commonly used billing interface where consumers are charged via their Internet Service Provider (ISP) in France. “Including ISP billing in their portfolio is rather specific to the French market, but expands our business customers’ reach”, comments Gerald Tauchner. The payment method is well-known and commonly used in

France.   Mobile operator payment flows in France Digital content on the mobile and the web channel can be billed as one-off and subscription services and up to a tariff range of 30 Euros. Via mobile operator payment DIMOCO provides a by the mobile operator managed Web TAN opt-in process where a unique SMS pin code is entered on the payment page. Via ISP billing and additionally to the mobile operator payment process the consumers has to login with his username and password the first time.   140624 France_Digital You can download the poster here

DIMOCO easily billed, watch our new Mobile Payments Video!

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DIMOCO´s and Juniper´s White Paper: The European Digital Content Market

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140508 DIMOCO Trend Update-01
We can see that the European market for digital content is expected to increase from an estimated €15.8 billion in 2012 to just under €29 billion in 2017. As might be expected, the largest proportion of spend occurs in Western European markets throughout the forecast period, rising marginally from 89.5% in 2012 to 90.4% in 2017.


In both regions, revenue growth is being driven primarily by the consumption of content on a rapidly expanding installed base of smartphones and tablets; indeed, for streamed music and full-track downloads, we also envisage significant migration of content monetisation from the desktop to

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the mobile device, with the result that PC revenues for music – in Western Europe at least – will diminish over the forecast period.


Throughout the forecast period, the largest contributor to digital content is expected to be Games. Here PC revenues are expected to be fuelled both by a continued transition from physical copies to downloads, allied to the increased monetisation of ‘casual’ games throughout the game lifecycle. Valve’s Steam platform (which distributes games and media online) and EA’s digital sales platform Origin have both attracted over 50 million users worldwide, including significant user bases across Europe. Meanwhile, adoption of casual gaming has soared – in large part catalysed by the emergence of gaming across social networks – and in-game purchases, for several years a cornerstone of gaming revenues in markets such as Japan and South Korea, has increasingly been exploited in Western Europe and North America. On smartphones and (particularly) tablets, the greater device performance levels and graphical capabilities has resulted both in the development of new revenues and – to an extent – of cannibalisation of a plateauing dedicated gaming handheld market.
Video comprises the second-largest revenue

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stream, and is expected to experience particularly strong growth given the increased trend towards VOD from players such as Lovefilm and Netflix at the expense of DVD. We would also anticipate that, over the course of the forecast period, online VOD services will been deployed (and gain traction in) most European markets which had yet to introduce them. While the majority of smartphones are still perceived as possessing screens which are too small for the viewing of a full-length movie, that is not the case with phablets/tablets which are increasingly becoming used as a primary viewing device. (Nevertheless, as we observe below, smartphones – in addition to their increasing usage as a video ‘snacking’ tool, are also utilised within a home multiscreen experience to an ever greater extent).
While total digital music revenues are expected to see steady growth, bolstered by greater adoption of subscription-based streamed services – particularly on smartphones and tablets – the content sector which is expected to experience the strongest increase is eBooks. In most European markets, eBooks currently account for well under 3% of net sales – the UK is a notable exception, at 12% – but the percentages are rising sharply. Increasingly, adoption is occurring on tablets, rather than on dedicated eReaders. Indeed, given that the value of annual Western European book sales (physical and digital) is currently around €28.5 billion, and assuming the overall value of the market remains broadly flat, then we do not believe that our assumption that eBook sales in the region will reach just over €3.2 billion by 2017 (or 11% of the total) is in any way excessive. In Central/Eastern Europe, where tablet adoption remains relatively low, the market is much more modest, with sales not expected to exceed €50 million annually until after the end of the forecast period.


If you are interested in more details you can download DIMOCO´s White Paper here

Small mobile steps that lead to new paying customers

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Mobile Carrier Billing for online dating customers is booming – at Dimoco, we are happy to notice a steep rise in that industry. Most of our customers let us bill their mobile site, yet the real bonanza lies within the app: in the first 6 months we had more requests to bill within the app than the mobile site in general. In-app-billing is becoming the focal point of the industry. And it makes sense:  a sheer 83% of daters access their dating portal via the mobile phone, a recent study found out.


There are, however, online dating providers that refrain from using Carrier Billing in their mobile apps. Most of them are to be found in the high-priced ranks of online matchmaking services, where matching personalities is the key to their users’ luck. So why don’t they use it? From my experience, all of them are highly interested in mobile payments, but most of the countries’ regulations do not allow more than 15 Euros per single transaction (Austria, Switzerland and Czech Republic being the big exceptions here with max. price of 80 Euros and over). Hence, to use a metaphor: can low tariffs date big expectations from matchmakers? Yes, they can. Mobile payment might come in handy to get users attracted to payable services in the first place: a one-week-only access for just €9.99 for starters. Or let them unlock the person of their dreams, who has not yet paid, with a single €3.95 unlocking fee. After that, it is only logical that the higher-priced monthly packages might sell much better! For special dating offers, contact jfk@dimoco.eu.