The company management have decided to drastically reduce the price of their website package for customers as a way of celebrating Christmas . So every business that needs a professionally design website or wants a redesign… should check on http://netwayonline.com/megaoffer   or click here

Marketers have the opportunity to make loads of cash as commission… just call 08036416445.

• Educate customers about U-Mo mobile payment.
• Enroll customers on U-Mo.
• Operate as a cash point for deposit or withdraw using U-Mo service.
• Customer service.

Types of Agent and What is required to become an Agent?

To become a Mega Agent:

• Open an individual or corporate account with UBA Plc under mega agent scheme (UMOAA Account);
• U-Mo branded office that conforms with Afri-Pay branding and merchandising requirement;
• At least one computer with steady internet access;
• One dedicated operational staff;
• An operational mobile phone;
• Deposit of N500,000 suggested working capital into your UBA mega agent current account;
• Any other items/equipment necessary to conduct the business like chairs, Desk, stationery, Log book etc;
• Provide a minimum 1 super agents and 10 priority agents ready to enroll and commence business;
• Ability to continuously organize and train agents in your agent network.

To become a Super Agent:

• Open an individual or corporate account with UBA Plc under super agent scheme (UMOAA Account);
• An operational mobile phone;
• Deposit of N100,000 minimum capital requirement deposited in the customer’s UBA current account.

To become a Priority Agent:

• One dedicated mobile phone;
• Registered business address;
• Valid means of identification;
• One passport photograph;
• One referee (UBA Account holder)or Guarantor;
• Suggested minimum working capital of N10,000.

They can also transfer money to any mobile number, spend the money directly from their mobile money account to pay for goods as well as buy airtime top-up for themselves and others.
Branded as “U-Mo”, Afripay’s Mobile Money product has been successfully text-run through select Agents.

“With the wide mobile coverage of Glo in Nigeria, the Glo-UBA partnership will ensure that the U-Mo product is available in the remotest parts of the country, from the smallest village and local markets to the largest towns, in line with CBN’s objective of enhancing financial inclusion through a secure, convenient and reliable mobile money account,” said a statement from the two parties.
Mohamed Jameel, Group Chief Operating Officer, Globacom, explained that when the product is launched, people won’t have to carry a wallet and a mobile phone at the same time. “Your mobile phone now becomes your wallet”.

According to Jameel, Glo and UBA have had a good relationship over the years. “What is happening today is an extension of the partnership”, he said.

Jameel added: “The objective of the partnership is to join hands with the UBA group for their mobile money initiative, to cater to subscribers across Glo Mobile network with the widest geographical coverage in the whole of Nigeria. This initiative shall bring facilities similar to banking to the unbanked population through their mobile phones and would redefine their ways of life.”

The Deputy Managing Director of UBA (designate), Kennedy Uzoka described the signing of the MOU as a public declaration of the partnership between UBA and Glo. UBA according to Uzoka has over 700 outlets and seven million accounts which will give UBA a platform to offer mobile money to anyone with the Glo sim.

During the signing ceremony, Glo also launched it’s television commercial on Glo Text Cash, the platform on which the UBA’s U-Mo will run. The commercial emphasized that the service will be available pan-Nigeria to all segments of the society

Today, I want to share a secret to you… many people are selling this for money but here we will never sell information for you. Really with time, I will reveal to you even priceless information as far as you encourage me.

Mobile Business secret 2: Start your own Bulk SMS reseller website like http://smsnetway.com

I have been making money daily even while i sleep with this http://smsnetway.com  website since I set it up last year with only N1980. Very simple, you need to know how to move a mouse or sign up for an email address and you can own an online mobile business venture.

SMS business is no more news, at least you receive some customize sms regularly from people you don’t know or from your church etc. What I mean is, a message sent to your phone with a personalized identity as the sender even when you don’t have the sender in your phone book. When you receive those messages, the owner of the website use to send makes some profits for reselling the sms units through her website. If you can own a site that people can send customized sms from and promote the site maybe by selling your recharge pins, you could just be smiling to the bank regularly.

How to set- up a site like http://smsnetway.com

1.Go to www.smslive247.com, Click on register and fill the form

2. Then proceed to your email to verify your account

3. Visit any of the banks on the site to pay N1980, cost for 1000 sms unit

4. Login to your account and select reseller account.

You will need to buy a domain name to make your site professional. If you need more information or clarification just drop it as a comment.

see in when i come with pt 3.

It is no more story that MTN, Airtel, Glo and the new entrant Etisalat have all made mega profits that even telecom companies in developed countries never made in just few years. Today, we hear testimonies of dealers, sub dealers of gsm accesories, phone sellers, talk about how the GSM revolution have made their life better.

I just want to open your eyes on how to make a fortune in new opportunities opening up (most of them you’ve never heard of them)……

1.  Developing mobile sites for companies, Individuals and even yourself :

Yes… this is the next big thing! If you can check around you, every phone has the capability to browse and even people without any internet browsing knowledge want to browse with their phones.  To make money through this opportunity you need to do the following:

a) Learn how to set-up a mobile site and start writing proposals to organisations that have website and inform them about the benefits. For example- people browse more with their phones than using a PC and more people have access to the internet on the phone than pc etc.

b) Work on an information sites and start making money through downloads or adverts. For Example start a download mobile sites like ringtone,pictures etc but you will need to secure rights to sell any downloadable products or if you come up with a mobile site that provides relevant informations like flight times, sport scores etc and you integrate google adsense into your site with regular updates and hungry visitor viola! money starts rolling in.

I will continue in my next post on more mobile opportunities.. but just make sure you drop your comments and questions. See ya

My name is Victor Etudor, I’m a web enthusiast and a certified Sun Java web component developer. I do web based business with over 11 years experience. I promise to make this blog an educative but yet informative to every reader everytime.

I want to talk about mobile money in Nigeria an idea for anyone looking for an opportunity…….

Mobile Money also known as mobile banking or mobile payment (m-payment) is the transfer of monetary value from one person to the other via mobile phones. Already, the success so far recorded in the telecommunications sector, where mobile telephony services are available to several millions of Nigerians, has brought m-payment into the front-burner of discussions towards accelerating measures to deliver Nigera’s own version of m-payment.

Recent Pyramid Research report has projected that the global mobile money industry would generate over $200bn by 2015 with a submission that the expected growth will ride on subscribers’ growing trust in the system in respective countries. According to experts, with over 89 million mobile subscribers in the country, Nigeria is key to the new mobile money growth in Africa after the success it recorded in Kenya with the Mpesa scheme. The essence of mobile money is to bring banking services to the unbanked in Nigeria.

With 10, 500 point of sales terminals already deployed for ushering in a cashless economy and about N80bn average monthly transactions carried out on some 8, 500 Automated Teller Machines using about 28 million debit cards in the circulation, experts say Nigeria has recorded tremendous achievement on the electronic payment system. Recent reports have indicated that Nigeria has made significant in-road in tapping into the global electronic transaction revenue predicted to hit an estimated $840bn by 2017, according to Open Loop GDV, a global electronic payment research firm. Managing Director, E-Tranzact, Mr. Valentine Obi, had in January, this year, said there would be a shift from card-based transaction to mobile-based transaction in future. “I see the death of card in the future. Card is going to die in future and large volume financial transactions would be carried out through mobile phones.”

Experts say the advent of m-payment will provide limitless opportunities for the unbaked population which currently accounts for over 60 per cent in Nigeria. They are of the opinion that Nigeria should take the advantage of large number of mobile subscribers for the deployment of mobile money scheme since mobile money transfer involves the sending and receiving of monetary value by bank customers through their mobile devices. In the last few months, different stakeholders’ fora had been held with each focusing on one aspect of mobile money implementation or another.

At a breakfast recently organised by Financial Technology magazine, which was attended by about 120 stakeholders in e-payment sector, participants were on accord that there was the need for the formulation of Nigerian Mobile Commerce Strategy. With the theme: “Harmonising SIM Registration Requirement with M-Payment KYC for Secure Mobile Commerce in Nigeria,” the forum examined imperatives of the ongoing Subscriber Identifiable Module cards/ customer registration in the running of a secure m-payment, with a submission that NMCS will help the country to articulate, in clear terms, the means of implementing the m-payment platforms.

While majority of speakers said the SIM registration has Know Your Customer) benefits for m-payments, they, however, expressed concern over its reliability given the problem of multiple SIM ownership by one subscriber as well as absence of a means of verifying whatever identity claimed by SIM owners. The experts said since mobile payment, like other means of financial transactions, is vulnerable to criminal activities, the need for adherence to KYC criteria in mobile payment transactions cannot be under-estimated.

Managing Director, ExpertEdge, Mr. James Agada, said the SIM card registration can help with KYC and identity confirmation for m-payment. According to him, SIM card registration can help in tracing transactions related to criminals and criminal activity while advising on the need for ensuring adequate security of the integration between m-payment infrastructure and SIM registration database. By assigning an identity to prepaid devices, and tracking their use, Agada said it is hoped to enable the police and other agencies to trace criminal activity to the SIM card owners. “KYC, identity validation and criminal activity tracing would be key contributions to m-payment implementation process. Also, a key requirement is to build online secure interface into m-payment infrastructure,” he added.

Another build-up to the impending mobile money scheme in Nigeria is the forthcoming Techno-Interactive Session by the Electronic Payment Providers Association of Nigeria (E-PPAN) scheduled to hold in Lagos next month. Executive Secretary, E-PPAN, Mrs. Onajite Regha, said the forum will seek contributions from all categories of stakeholders on what deliberate actions, policies, infrastructure, resources and events that must be established to help create an enabling environment which will ensure the success of mobile payment in the country. She said, having followed with great interest the developments within the payment industry, even as it embraces mobile banking/payments, E-PPAN has found the advent of the new channel both intriguing and daunting.

“Mobile payment seems to hold the solution to our long time challenge of bringing the unbanked into the formal financial stream of the economy and provides the most convenient platform for consumers, but our fears lies in the fact that we may yet be prepared for the task associated with the process.” She, however, noted that though, mobile payments have succeeded in Kenya which is also an African country, “Our peculiarities in Nigeria are very different.” Experts have opined that one issue that stands out is that need to deliberately shape the nation’s mobile payment environment so as to prevent failures of projects, investments and users confidence as the scheme takes off.

To Regha, “These must not be left to chance. We should grab the opportunity offered by mobile payment and make a difference for the Nigeria economy.” In November, 2010, the Central Bank of Nigeria gave approval-in-principle to 16 operators to roll out a four-month mobile money networks pilot across the country during which they were expected to prove their capacity to operate as mobile money operator (MNOs) in Nigeria. Although, the timeframe for the pilot expired on March 31, 2011, the CBN has yet to deliver its verdict on MNOs that have the capacity to operate mobile money system and those that do not.

Two weeks ago, the CBN, for the umpteenth time, assured of its commitment towards extending financial services to the over 80 per cent of unbanked Nigerians through mobile technology. CBN’s Director of Banking and Payments System Department, Mr. Abayomi Atoloye, said the apex bank’s focus in the next few years would be on strengthening the institutional and regulatory frameworks that would encourage financial inclusion of unbanked and promote more usage of electronic payment as clearly enunciated in the Payment Systems Vision 2020. Atoloye said specific areas CBN’s focus would involve the application of mobile technology for financial services especially in rural areas to ensure that a large percentage of the population outside the formal banking system have access to financial services using one of the three scenarios of card-based, account-based and virtual account such as mobile money.

However, the CBN has also been criticised for lack of proper monitoring of the pilot exercise. Principal Associate, Mobile Money Africa, Mr. Emmanuel Okoegwale, said it is unlikely that the CBN officials currently possess the required technical knowledge on how mobile money works for proper assessment of the MNOs during the pilot exercise. He said the CBN might, therefore, cancel licences of operators that failed to show enough capacity to leapfrog the mobile payment structure in the country during the pilot.

Okoegwale said central to mobile money success, are proper identification, secure platforms, ease of use and commercially viable business models. He, however, identified lack of a standard identification tool across providers, lack of hardware-based identity management systems in mobile handsets and prohibitive cost of implementing identity systems by independent providers as bottlenecks that must be tackled for a seamless m-payment execution in the country. Country General Manager, Ingenico, a global supplier of payment terminals, Gansirey Seck, however, said poor infrastructure could threaten mobile money scheme in Nigeria. “I just hope the new administration would pay critical attention infrastructure challenge in Nigeria.”