Solutions for Telecom Operator

The 4M Platform enables MNOs to increase their average revenue per user (APU). New “high-value” added services are introduced, and a seamless interchange with the financial sector is availed. This improvement and extension of MNO distribution networks facilitates introduction of new types of services as well as user-base expansion.

Diversify service offerings through financial service interchange

4M enables the MNOs to act as distribution channels for multiple financial institutions simultaneously. They get access to a broad range of new high-value services. These include micro-finance, micro-insurance, agriculture input credit, termination of international remittance directly to the mobile phone, airtime credit, and handset finance. Payments can be made across the user’s airtime account, bank and micro-finance accounts, as well as debit, credit, and prepaid cards. This further enables users to directly purchase airtime via any other financial instrument available.

Extend and improve top-up agent and service distribution networks

4M Agent provides a comprehensive toolbox for managing multiple agent networks at multiple levels with unique service offerings and commercial terms for each network. In combination with 4M Payment, 4M Money, and 4M Transfer, 4M Agent empowers the MNOs to acquire new distribution networks and extend their service offerings of existing agent networks. MNOs can e.g. engage retail networks in collaborative campaigns. They can offer airtime as loyalty remuneration, and propose retailers the use of SMS, USSD, IVR and web infrastructure for distribution and promotional purposes.

Become a service hub for distribution of new innovative services

4M enables MNOs to become service hubs for multiple businesses. Meanwhile they can develop their own services in collaboration with 3^rd. party software companies and system-integrators. By using the 4M Platform´s open APIs, retailers and service providers can build their own services, and not only connect to telecom infrastructures, but to all other services available on the Platform.

Monetize business intelligence with advanced data analytics

The 4M Platform enables MNOs to collect and monitor all transactions on the Platform and monetize valuable business intelligence and user behaviour data.