Universal Mobile Apps IVR, USSD, SMS, and the STK

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Presentation transcript:

Universal Mobile Apps IVR, USSD, SMS, and the STK 490d - Digital Financial Services Feb 3, 2016 Trevor Perrier

Quick Aside - Smartphone Penetration in Africa

Universal Applications Work on ANY Phone What does this leave out?

Voice Text

Voice Text Stateless Stateful

Voice Text Stateless Stateful SMS Robo Call Short Message Service USSD IVR Interactive Voice Response USSD Unstructured Supplementary Service Data Stateless Stateful

Voice Text Stateless Stateful SMS Robo Call Short Message Service USSD IVR Interactive Voice Response USSD Unstructured Supplementary Service Data Stateless Stateful

Africa’s Talking USSD gateway

USSD example gateway running on Africa’s Talking USSD vs STK by Example USSD example gateway running on Africa’s Talking mPesa on a Windows phone

USSD vs STK by Example

Signaling System 7

How safe is GSM - USSD/SMS

STK - SIM Application Toolkit Basic UI - display text, menus, play tones, read input. Launch URLs Send SMSes, initiate calls, use data Interact with the rest of the SIM card Run arbitrary AT commands on the phone

Regulatory issues around USSD and STK Discussion Regulatory issues around USSD and STK Usability issues between SMS, USSD, STK Is Facebook Money or SquareCash mobile money?