WISekey y OISTE organizan una reunión en Ginebra de una delegación Española con la Unión Internacional de Telecomunicaciones UIT y las autoridades de la ciudad de Ginebra para discutir el EURO-Africa Hub.
La delegación está constituida por:
Francisco Salas
Concejal de Nuevas Tecnologías, Ayuntamiento de Málaga, Spain
Miguel Pérez Subías
Présidente, Asociación de Usuarios de Internet, Spain
Organizer:
Carlos Moreira, Founder & President
WISeKey SA
Delegation:
Luís Sanz Gadea, Jefe de Relaciones Internacionales
Ministerio de Industria, Turismo y Comercio, Spain
Jesus Serrano Gimeno
Director Oficina de Programas, British Telecom, Spain
Jenaro García, Director, IBER-X, Spain
Victor Canivell, CEO, Wisekey ELA (Spain & Latin America)
Rosa Delgado, OISTE & Wisekey SA
10:00 - 12:30 Trabajo de Coordinación
- Presentaciones
EuroÁfrica: Miguel Pérez Subías (15 min.)
WISeKey & Latam Hub: Carlos Moreira (15 min.)
WISeKey Spain: Victor Canivell (10 min.)
OISTE: Rosa Delgado (10 min.)
- Presentaciones – quién? y cómo?
Jueves: CERN
Viernes: UIT, Ville de Genève
- Press release de la visita a Ginebra?
- Proponer una visita a Málaga en 2008 - Parque tecnológico. Fechas las más adecuadas. Quienes?
- EuroAfrican HUB MoU:
- El MoU para EuroAfrica que fue aprobado por AUI, OISTE, WISeKey
- Revisar el MOU con los otros miembros potenciales???
14:30 – 15:00 Visita del Bunker de WISeKey SA
16:30 – 18:00 Sr. Maximilian Metzger, Secretario General, CERN
Viernes 30 Noviembre
10:00 – 12:00 Sr. H. Touré, Secretario General de la UIT
Quien habla sobre el EuroAfrican Hub?
15:30 – 17:00 Sr. Pierre Maudet, Jefe « Département del'environnement urbain et de la sécurité" (DEUS), Ville de Genève
Rosa y Miguel son esperados en el Palais Eynard (15:00). El resto a las 15:20 5min a pie del restaurante donde almorzaremos
Nota: Un reporte y plan de acciones será preparada por Rosa
jeudi 29 novembre 2007
The future of online identity and trust
The future of online identity and trust
The Augmented Social Network
The Internet is a communications platform made from software. This distinguishes it from all previous media, which were determined by the physical characteristics of their materials. Software, by its very nature, is programmable — which means that the Internet is far more malleable than its predecessors such as the telegraph, the telephone, print, and film. To a significant extent, software can do what we ask of it. It can enable the behaviors we demand from it, as long as we are able to write the necessary code, and that code can be supported by the appropriate hardware.
Online community tools have proven to be extremely effective at connecting people to one another, and helping them to share information. But shouldn’t we ask: Can these tools be extended to make them even more powerful, in order to further enhance public discourse? Could they be improved to more effectively advance the values of engaged citizenship and democracy? Could the Internet be better at helping us to:
Find others with whom we share affinities?
Share relevant information and media with one another?
Self-organize, and more easily form alliances to engage constructively with our neighbors, our fellow citizens, and our representatives in government?
In recent decades, globalization has transformed traditional power relationships in society by eroding geographic borders, challenging the sovereignty of the nation-state, and centralizing control of mass media in increasingly few hands. Most of these changes have been driven by commercial interests, with little consideration given to their effect on democracy. The democratic institutions we have were not conceived to work under such conditions, and are straining under new pressures. There is a growing risk that citizens will become alienated from the process of democratic governance, and feel ill equipped to challenge global elites and corporate interests in areas such as the environment, poverty, health, or sustainable development. Might a "next generation Internet" help to reinvigorate democracy by providing a platform that makes it easier for citizens to inform themselves about public policy debates, self-organize, and participate in the process of governance? more http://www.firstmonday.org/issues/issue8_8/jordan/#j1
The Augmented Social Network
The Internet is a communications platform made from software. This distinguishes it from all previous media, which were determined by the physical characteristics of their materials. Software, by its very nature, is programmable — which means that the Internet is far more malleable than its predecessors such as the telegraph, the telephone, print, and film. To a significant extent, software can do what we ask of it. It can enable the behaviors we demand from it, as long as we are able to write the necessary code, and that code can be supported by the appropriate hardware.
Online community tools have proven to be extremely effective at connecting people to one another, and helping them to share information. But shouldn’t we ask: Can these tools be extended to make them even more powerful, in order to further enhance public discourse? Could they be improved to more effectively advance the values of engaged citizenship and democracy? Could the Internet be better at helping us to:
Find others with whom we share affinities?
Share relevant information and media with one another?
Self-organize, and more easily form alliances to engage constructively with our neighbors, our fellow citizens, and our representatives in government?
In recent decades, globalization has transformed traditional power relationships in society by eroding geographic borders, challenging the sovereignty of the nation-state, and centralizing control of mass media in increasingly few hands. Most of these changes have been driven by commercial interests, with little consideration given to their effect on democracy. The democratic institutions we have were not conceived to work under such conditions, and are straining under new pressures. There is a growing risk that citizens will become alienated from the process of democratic governance, and feel ill equipped to challenge global elites and corporate interests in areas such as the environment, poverty, health, or sustainable development. Might a "next generation Internet" help to reinvigorate democracy by providing a platform that makes it easier for citizens to inform themselves about public policy debates, self-organize, and participate in the process of governance? more http://www.firstmonday.org/issues/issue8_8/jordan/#j1
Leonard H. Schrank, Former CEO of SWIFT Joins WISEkey's Strategy Committee
International Business Leaders to Guide WISeKey's Strategy as Leonard H. Schrank, Former CEO of SWIFT Joins the Strategy Committee
November 26, 2007
GENEVA, November 26 /PRNewswire/ -- Today WISeKey, the leading Internet Trust and Digital Identification company, announced it had appointed some of the leading business figures as members of its Strategy Committee. The committee Chaired by Patrick De Smedt, former Chairman of Microsoft EMEA, provides advice to the WISekey board of directors and senior management regarding matters of strategic business development and future revenue growth for WISeKey. The new members originate from a wide variety of sectors, from banking to financial services to IT which will be of critical importance to drive WISeKey's strategy:
- Carlos Esteve (CEO of Heritage Bank)
- Fernando Chico Pardo (President of Promecap)
- Mario Garnero (President Brazil Invest and President Forum das Americas)
- Lenny Schrank (CEO and Chairman of ACT3 Technologies, LLC and former CEO of SWIFT)
- Ali Karacan (Founder and Chairman of the Number One Media Group)
- Eric Pellaton (Co-Founder and Former Chairman Ismeca)
- Doug Hurst (Managing Director SMH Capital USA)
"I am delighted that this group of prestigious leaders accepted my invitation to join our Strategy Commitee," said Carlos Moreira, Founder and CEO of WISeKey. "These leaders bring their extensive experience and knowledge of the business community to WISeKey, and will help us set the right strategy for future growth. We already retain membership from a number of business luminaries and each of them brings vast experience in a variety of businesses from all around the globe."
"Understanding the security challenges and market opportunities that face corporations, today and in the future, is critical to the success of WISeKey's business," said Patrick De Smedt as he announced the new members of the strategy committee.
Leonard Schrank commented: "We need a more mature Internet and WISeKey is providing technologies, products and services to provide Internet users with secure identity and more commercially reliable products. This will be to everyone's benefit."
Read more: http://www.wisekey.com
Further information:
Daniel Ybarra,
VP Corporate Communications,
dybarra@wisekey.com,
+41-225943000.
SOURCE WISeKey SA
/CONTACT: Further information: Daniel Ybarra, VP Corporate Communications, dybarra@wisekey.com, +41-225943000.
(END)
URL for this article:
http://www.smartmoney.com/news/pr/index.cfm?story=PR-20071126-000549-0801
November 26, 2007
GENEVA, November 26 /PRNewswire/ -- Today WISeKey, the leading Internet Trust and Digital Identification company, announced it had appointed some of the leading business figures as members of its Strategy Committee. The committee Chaired by Patrick De Smedt, former Chairman of Microsoft EMEA, provides advice to the WISekey board of directors and senior management regarding matters of strategic business development and future revenue growth for WISeKey. The new members originate from a wide variety of sectors, from banking to financial services to IT which will be of critical importance to drive WISeKey's strategy:
- Carlos Esteve (CEO of Heritage Bank)
- Fernando Chico Pardo (President of Promecap)
- Mario Garnero (President Brazil Invest and President Forum das Americas)
- Lenny Schrank (CEO and Chairman of ACT3 Technologies, LLC and former CEO of SWIFT)
- Ali Karacan (Founder and Chairman of the Number One Media Group)
- Eric Pellaton (Co-Founder and Former Chairman Ismeca)
- Doug Hurst (Managing Director SMH Capital USA)
"I am delighted that this group of prestigious leaders accepted my invitation to join our Strategy Commitee," said Carlos Moreira, Founder and CEO of WISeKey. "These leaders bring their extensive experience and knowledge of the business community to WISeKey, and will help us set the right strategy for future growth. We already retain membership from a number of business luminaries and each of them brings vast experience in a variety of businesses from all around the globe."
"Understanding the security challenges and market opportunities that face corporations, today and in the future, is critical to the success of WISeKey's business," said Patrick De Smedt as he announced the new members of the strategy committee.
Leonard Schrank commented: "We need a more mature Internet and WISeKey is providing technologies, products and services to provide Internet users with secure identity and more commercially reliable products. This will be to everyone's benefit."
Read more: http://www.wisekey.com
Further information:
Daniel Ybarra,
VP Corporate Communications,
dybarra@wisekey.com,
+41-225943000.
SOURCE WISeKey SA
/CONTACT: Further information: Daniel Ybarra, VP Corporate Communications, dybarra@wisekey.com, +41-225943000.
(END)
URL for this article:
http://www.smartmoney.com/news/pr/index.cfm?story=PR-20071126-000549-0801
mardi 20 novembre 2007
UN launches Millennium Development Goals Minitor
The MDG Monitor is designed as a one-stop-shop for information on progress towards the Millennium Development Goals (MDGs), globally and at the country level. It is intended as a tool for policymakers, development practitioners, journalists, students and others interested in learning about the Goals and tracking progress toward them.
The MDG Monitor has been created by the UN Development Programme in partnership with the Statistics Division of the UN Department of Economic and Social Affairs (DESA), Relief Web of the UN Office for the Coordination of Humanitarian Affairs (OCHA), and the United Nations Children's Fund (UNICEF). Funding and in-kind support were provided by Google and Cisco.
The MDG Monitor will be continually updated as new data becomes available. Subsequent versions of the tool will also be available in multiple languages. The principal country-level data is currently available in Google Earth accessible via the MDG Monitor home page of http://www.mdgmonitor.org.
About the MDGs
In September 2000, the largest-ever gathering of world leaders ushered in the new millennium by adopting the Millennium Declaration. The Declaration, endorsed by 189 countries, was then translated into a roadmap setting out goals to be reached by 2015.
The eight Millennium Development Goals (MDGs) build on agreements made at United Nations conferences in the 1990s and represent commitments by all countries to reduce poverty and hunger, and to tackle ill-health, gender inequality, lack of education, lack of access to clean water and environmental degradation.
The MDGs are framed as a compact, which recognizes both the efforts that must be undertaken by developing countries, and the contribution that developed countries can make through trade, development assistance, debt relief, access to essential medicines and technology transfer.
The MDG Monitor has been created by the UN Development Programme in partnership with the Statistics Division of the UN Department of Economic and Social Affairs (DESA), Relief Web of the UN Office for the Coordination of Humanitarian Affairs (OCHA), and the United Nations Children's Fund (UNICEF). Funding and in-kind support were provided by Google and Cisco.
The MDG Monitor will be continually updated as new data becomes available. Subsequent versions of the tool will also be available in multiple languages. The principal country-level data is currently available in Google Earth accessible via the MDG Monitor home page of http://www.mdgmonitor.org.
About the MDGs
In September 2000, the largest-ever gathering of world leaders ushered in the new millennium by adopting the Millennium Declaration. The Declaration, endorsed by 189 countries, was then translated into a roadmap setting out goals to be reached by 2015.
The eight Millennium Development Goals (MDGs) build on agreements made at United Nations conferences in the 1990s and represent commitments by all countries to reduce poverty and hunger, and to tackle ill-health, gender inequality, lack of education, lack of access to clean water and environmental degradation.
The MDGs are framed as a compact, which recognizes both the efforts that must be undertaken by developing countries, and the contribution that developed countries can make through trade, development assistance, debt relief, access to essential medicines and technology transfer.
Mobile advertising The next big thing
Marketers hail the mobile phone as advertising's promised land
Get article background
ADVERTISING on mobile phones is a tiny business. Last year spending on mobile ads was $871m worldwide according to Informa Telecoms & Media, a research firm, compared with $24 billion spent on internet advertising and $450 billion spent on all advertising. But marketing wizards are beginning to talk about it with the sort of hyperbole they normally reserve for products they are paid to sell. It is destined, some say, to supplant not only internet advertising, the latest fad, but also television, radio, print and billboards, the four traditional pillars of the business.
At the moment, most mobile advertising takes the form of text messages. But telecoms firms are also beginning to deliver ads to handsets alongside video clips, web pages, and music and game downloads, through mobiles that are nifty enough to permit such things. Informa forecasts that annual expenditure will reach $11.4 billion by 2011. Other analysts predict the market will be as big as $20 billion by then.
The 2.5 billion mobile phones around the world can potentially reach a much bigger audience than the planet's billion or so personal computers. The number of mobile phones in use is also growing much faster than the number of computers, especially in poorer countries. Better yet, most people carry their mobile with them everywhere—something that cannot be said of television or computers.
Yet the biggest selling point of mobile ads is what marketing types call “relevance”. Advertisers believe that about half of all traditional advertising does not reach the right audience. Less effort (and money) is wasted with online advertising: half of it is sold on a “pay-per-click” basis, which means advertisers pay only when consumers click on an ad. But mobile advertising through text messages is the most focused: if marketers use mobile firms' profiles of their customers cleverly enough, they can tailor their advertisements to match each subscriber's habits.
In September Blyk, a new mobile operator, launched a service in Britain that aims to do just that. It offers subscribers 217 free text messages and 43 free minutes of voice calls per month as long as they agree to receive six advertisements by text message every day. To sign up for the service, customers must fill out a questionnaire about their hobbies and habits. So advertisers can target their messages very precisely. “Britain is the largest, but also the trickiest European ad market, so if it works here it will work everywhere,” says Pekka Ala-Pietila, chief executive and one of the founders of Blyk.
Last year America's Virgin Mobile tried something similar with its “Sugar Mama” programme, which offers subscribers the choice between receiving an ad via text message or viewing a 45-second advertisement when browsing the internet in exchange for one free minute of talk time. Those who spend five minutes filling out a questionnaire online get five more minutes. Sugar Mama is proving popular: at the end of August Ultramercial, the company that manages the scheme, reported that Virgin Mobile had given away more than 10m free minutes.
Vodafone, a big mobile operator based in Britain, sees mobile advertising as a potentially lucrative source of additional income. For the time being, most of the ads on its network are still text messages, although it has begun displaying ads on Vodafone live!, its mobile internet homepage, through which subscribers access the internet and download videos and music. Vodafone is also running several pilots, says Richard Saggers, the head of its mobile advertising unit, in which subscribers receive free content in exchange for viewing ads. Earlier this year, subscribers in Britain were given the option of downloading footage from “Big Brother”, a reality-TV show, in exchange for viewing a promotional video clip. The firm has also offered free video games punctuated with ads to customers in Greece, and free text messages to Czech students who agree to accept ads in the same format.
Most mobile advertising strategies now rely on text messages, since few customers have taken to more elaborate services that allow them to download music, games and videos and to surf the web. Only 12% of subscribers in America and western Europe used their mobiles to access the internet at the end of 2006. Most people think mobile screens are too small for watching TV programmes or playing games, although newer models, such as Apple's iPhone, boast bigger and brighter screens.
That is not the only problem. While consumers are used to ads on television and radio, they consider their mobiles a more personal device. A flood of advertising might offend its audience, and thus undermine its own value. Tolerance of advertising also differs from one market to another. In the Middle East, for example, unsolicited text messages are quite common, and do not prompt many complaints. But subscribers might not prove so open-minded in Europe or America.
Another hitch, says Nicky Walton-Flynn of Informa, is that operators have lots of databases with information about their clients' habits that would be of great interest to advertisers. But privacy laws may prevent them from sharing it. Moreover, advertisers, operators and middlemen have not agreed a common format for this information, nor worked out how to share the revenue it might yield.
Some think these obstacles will confine mobile advertising to a niche for years to come. But others see a whole new world of possibilities, as more people use their phones to access the internet and consumers grow used to the intrusion. Mobile phones, some of which are now equipped with satellite-positioning technology (see article), could be used to alert people to the charms of stores or restaurants they are walking or driving past.
Tying ads to online searches from mobile phones is another potential goldmine. A subscriber typing in “pizza” for instance, could receive ads for nearby pizza parlours along with his generic search results. Such a customer, mobile operators hope, is likely to be more grateful than annoyed by the intrusion. What could be more relevant than that?
dimanche 11 novembre 2007
• Switzerland remains among the best performers in the Global Competitiveness Index, at second position overall.
GCR Country Profile Highlights 2007/2008
• The United States is assessed this year as the world’s most competitive economy. The country is endowed with a winning combination of highly sophisticated and innovative companies operating in very efficient factor markets. This is buttressed by an excellent university system and strong collaboration between the educational and business sectors in research and development. These characteristics, combined with the scale opportunities afforded by the sheer size of its domestic economy, come together to make the United States arguably the country with the most productive and innovative potential in the world. However, a number of weaknesses in more basic areas, particularly related to macroeconomic imbalances and some aspects of the institutional environment, continue to pose a risk to the country’s overall competitiveness potential. These areas require attention from the government to ensure that the country maintains its competitive edge in the future.
• Switzerland remains among the best performers in the Global Competitiveness Index, at second position overall. The country is characterized by an excellent capacity for innovation and a very sophisticated business culture, ranked first overall in this area. Similar to the United States, Switzerland is endowed with top-notch scientific research institutions and high spending on research and development particularly impressive given the country’s small size. Strong collaboration between the academic and business sectors ensures that much of its basic research is translated into useful products and processes on the market, buttressed by strong intellectual property protection. Innovation is reflected in the high rate of patenting in the country, for which Switzerland ranks sixth worldwide on a per capita basis.
• The Nordic countries continue to hold privileged positions in the rankings. Denmark ranks third, with Sweden and Finland following closely at fourth and sixth places, respectively. In a number of areas the Nordics outperform the United States and Switzerland. For example, they receive among the best marks worldwide for their macroeconomic environments, as they have been running budget surpluses and have very low levels of public indebtedness. Finland and Denmark have the most efficient institutions in the world (ranked first and second, respectively), followed very closely by Sweden, ranked sixth in this area. Finland, Denmark and Sweden also occupy the top three positions in the higher education and training pillar, with Finland ranked first in this indicator for several years in a row.
• Germany and the United Kingdom retain their places among the most competitive economies in the world, ranked fifth and ninth, respectively. Both countries receive excellent scores for the quality of their infrastructure (particularly Germany, ranked number one). In the context of the large market size available to both countries, another common strength is the efficiency of their goods and financial markets, with the United Kingdom receiving a particularly outstanding evaluation in the latter (second). On the other hand, the United Kingdom’s flexible labour market (10th) stands in contrast to Germany’s (115th) where the determination of wages and the cost of firing have strongly hindered job creation. Both countries are also well assessed in the more complex innovation and business sophistication indicators, with Germany in particular ranking first out of 131 economies in the sophistication of its business sector.
• France ranks 18th in this year’s Global Competitiveness Index. The country’s status among the top 20 most competitive economies in the world rests on a number of features that contribute to its excellent business environment. The country’s infrastructure is among the best in the world (ranked second), with outstanding transport links, energy infrastructure and communications. The high degree of sophistication of its business culture (10th in the business sophistication pillar) and its leadership in the area of technological innovation (17th in the innovation pillar) are important attributes that have helped boost the France’s growth potential. On the other hand, a number of weaknesses are hindering the country from unleashing all of its competitive potential. France’s labour market ranks a low 129th third to last out of all countries for its lack of flexibility, and 114th for red tape. Another area of concern is the macroeconomic environment, with the government budget deficit and the related public sector debt ratio still remaining high.
• Estonia (ranked 27th) continues to be, by a significant margin, the most competitive economy among the 12 countries that joined the European Union (EU) in 2004. The efficiency of Estonia’s government institutions (22nd), the excellent management of public finances and its aggressiveness in adopting new technologies (19th) outshine the performance of many of the “old-time” members of the EU. This is in contrast to Poland (ranked 51st) with poor marks for its institutional environment and low public trust in politicians, against the backdrop of weak and deteriorating public finances.
• Italy ranks 46th with strengths in some areas balanced by weaknesses in others. Italy is relatively well assessed in more complex areas measured by the Global Competitiveness Index, particularly the sophistication of the businesses environment. However, the country’s overall competitiveness performance is held back by some structural weaknesses in the economy. Among the most problematic areas are weak public finances and extremely high levels of public indebtedness (ranked 118th in this indicator), the inefficient use of public resources, a weak institutional environment (ranked 71st), with low levels of accountability and transparency, and a perceived lack of independence within the judicial system, all of which increase business costs and undermine investor confidence. Source WEF
• The United States is assessed this year as the world’s most competitive economy. The country is endowed with a winning combination of highly sophisticated and innovative companies operating in very efficient factor markets. This is buttressed by an excellent university system and strong collaboration between the educational and business sectors in research and development. These characteristics, combined with the scale opportunities afforded by the sheer size of its domestic economy, come together to make the United States arguably the country with the most productive and innovative potential in the world. However, a number of weaknesses in more basic areas, particularly related to macroeconomic imbalances and some aspects of the institutional environment, continue to pose a risk to the country’s overall competitiveness potential. These areas require attention from the government to ensure that the country maintains its competitive edge in the future.
• Switzerland remains among the best performers in the Global Competitiveness Index, at second position overall. The country is characterized by an excellent capacity for innovation and a very sophisticated business culture, ranked first overall in this area. Similar to the United States, Switzerland is endowed with top-notch scientific research institutions and high spending on research and development particularly impressive given the country’s small size. Strong collaboration between the academic and business sectors ensures that much of its basic research is translated into useful products and processes on the market, buttressed by strong intellectual property protection. Innovation is reflected in the high rate of patenting in the country, for which Switzerland ranks sixth worldwide on a per capita basis.
• The Nordic countries continue to hold privileged positions in the rankings. Denmark ranks third, with Sweden and Finland following closely at fourth and sixth places, respectively. In a number of areas the Nordics outperform the United States and Switzerland. For example, they receive among the best marks worldwide for their macroeconomic environments, as they have been running budget surpluses and have very low levels of public indebtedness. Finland and Denmark have the most efficient institutions in the world (ranked first and second, respectively), followed very closely by Sweden, ranked sixth in this area. Finland, Denmark and Sweden also occupy the top three positions in the higher education and training pillar, with Finland ranked first in this indicator for several years in a row.
• Germany and the United Kingdom retain their places among the most competitive economies in the world, ranked fifth and ninth, respectively. Both countries receive excellent scores for the quality of their infrastructure (particularly Germany, ranked number one). In the context of the large market size available to both countries, another common strength is the efficiency of their goods and financial markets, with the United Kingdom receiving a particularly outstanding evaluation in the latter (second). On the other hand, the United Kingdom’s flexible labour market (10th) stands in contrast to Germany’s (115th) where the determination of wages and the cost of firing have strongly hindered job creation. Both countries are also well assessed in the more complex innovation and business sophistication indicators, with Germany in particular ranking first out of 131 economies in the sophistication of its business sector.
• France ranks 18th in this year’s Global Competitiveness Index. The country’s status among the top 20 most competitive economies in the world rests on a number of features that contribute to its excellent business environment. The country’s infrastructure is among the best in the world (ranked second), with outstanding transport links, energy infrastructure and communications. The high degree of sophistication of its business culture (10th in the business sophistication pillar) and its leadership in the area of technological innovation (17th in the innovation pillar) are important attributes that have helped boost the France’s growth potential. On the other hand, a number of weaknesses are hindering the country from unleashing all of its competitive potential. France’s labour market ranks a low 129th third to last out of all countries for its lack of flexibility, and 114th for red tape. Another area of concern is the macroeconomic environment, with the government budget deficit and the related public sector debt ratio still remaining high.
• Estonia (ranked 27th) continues to be, by a significant margin, the most competitive economy among the 12 countries that joined the European Union (EU) in 2004. The efficiency of Estonia’s government institutions (22nd), the excellent management of public finances and its aggressiveness in adopting new technologies (19th) outshine the performance of many of the “old-time” members of the EU. This is in contrast to Poland (ranked 51st) with poor marks for its institutional environment and low public trust in politicians, against the backdrop of weak and deteriorating public finances.
• Italy ranks 46th with strengths in some areas balanced by weaknesses in others. Italy is relatively well assessed in more complex areas measured by the Global Competitiveness Index, particularly the sophistication of the businesses environment. However, the country’s overall competitiveness performance is held back by some structural weaknesses in the economy. Among the most problematic areas are weak public finances and extremely high levels of public indebtedness (ranked 118th in this indicator), the inefficient use of public resources, a weak institutional environment (ranked 71st), with low levels of accountability and transparency, and a perceived lack of independence within the judicial system, all of which increase business costs and undermine investor confidence. Source WEF
dimanche 4 novembre 2007
Mobile Banking
The poor people’s lack of access to credit has been one of the major obstacles to the development of impoverished rural areas in developing nations. Although there have been establishments of subsidized government lending schemes and rural co-operatives, none such endeavors have been fruitful in overcoming the various problems that restrict their access to the formal financial sector, thus leaving this particular segment ‘un-banked’.
Increasing popularity of remittance services and emergence of various microfinance programs coupled with the proliferation of mobile services in developing countries seem to have created a unique potential to provide financial services to the ‘un-banked’ segment over the mobile network, and at the same time, streamline operations and reduce operational overheads.
Mobile Banking in Developing Countries – An Opportunity
Over the past few years, mobile and wireless market has been one of the fastest growing markets in the world, especially in Asian countries such as China, Indonesia, India, and Philippines where the mobile infrastructure is comparatively much better than the fixed-line infrastructure. Saturation of the mobile subscriber growth and commoditization of voice services has led Mobile Network Operators (MNOs) to consider alternative revenue diversification streams. Mobile commerce, which can be defined as "the delivery of trusted transaction services over mobile devices for the exchange of goods and services between consumers and merchants and financial institutions", has emerged as one of such options. The Asia Pacific region is expected to account for more than a third of the $80 billion revenues that the total global Mobile Commerce market is likely to bring in 2009.
Mobile banking or M-Banking, which is a type of financial services offered as a part of mobile commerce, will be a major driver for the adoption of wireless technology in rural areas in developing countries. The service refers to the provisioning and availability of banking and financial services through the mobile technology and the scope of offered services may include facilities to conduct bank and stock market transactions, as well as enabling users to access customized information. Mobile Remittances, Micro-finance and Micro-payments services are likely to fuel the growth of M-banking in the developing countries especially amongst the un-banked segment.
Opportunities
For Users – It facilitates and reduces the cost of remittances, and enables financial transactions without the costs and risks associated with the use of cash, including theft and cost of travel to pay-in-person
For Banks – Banks have extensive knowledge of financial models and a good reach worldwide. Mobile Commerce provides the banks with an opportunity to further enhance their customer reach by migrating customers upward in the use of banking services - move the "un-banked" community toward the "banked" status.
For Network Operators – MNOs have a unique advantageous position, as they are the first-point contact with the customers, to tap the growing subscriber base with new offerings providing consumers a strong value proposition. Thus, MNOs should be looking at M-banking as an important source of revenue. As the core competence of the MNOs lies in delivering mobility solutions to their customers, it is prudent for them to partner with a financial Institution in order to gain access to credit facilities, credit payment management and other financial services.
Micropayments
In the more affluent economies, a good infrastructure for a cashless environment is already prevalent and most people have bank accounts and access to both debit and credit facilities. On the contrary, in the developing economies, a very large population segment has to rely heavily on cash-based transactions for all their day-to-day expenses. Such need for cash requires adequate cash-handling facilities, which comes at a cost. Furthermore, the particular segment, being neglected by the banking sector, remains un-banked. These factors are incentives in the developing countries to move the population at large away from cash with introductions of low cost solutions such as micro-payments to further efficiency gains.
Recognizing the potential that M-banking holds in strengthening the socioeconomic position of those currently lacking access to banking, especially the rural poor, the two leading mobile operators in the Philippines (SMART and GLOBE) have both become facilitators of banking through the mobiles. Their respective services, SMART Money and GCash, enable users to send and receive money, pay bills and taxes, and purchase items in shops through simple SMS-based services.
SMART Money
The service was launched in December 2000 in co-operation with First E-Bank, which has since been acquired by Banco de Oro, and MasterCard, one of the world’s leading payment services providers. According to SMART, SMART Money was the world’s first re-loadable electronic cash wallet, linked together by their cellular network. Once cash has been transferred to the SMART Money account, it can be used in thousands of shops and restaurants. The cash value can also be used to load airtime, pay utility bills, or transfer money from one SMART Money card to another. Among the Filipino OFWs working overseas, over a million are using the service to transfer almost US$50 million per month into the Philippines economy1.
G-Cash
The service was launched in October 2004, with an initial set of three anchor services; international and domestic remittance, P2P (phone-to-phone or person-to-person) transfers and payments for retail purchases. With G-Cash, all of GLOBE’s subscribers are m-Commerce-enabled. As users do not need to have a card or bank account to be part of the service, G-Cash is able to provide M-Commerce capability to a previously underserved segment of the market, including those who currently do not do banking. Unlike SMART’s approach whereby it operates the service jointly with BDO, GLOBE on its own maintains records of all transactions and arranges settlement between the retailers and the G-Cash customers. G-Cash provides services through close to 4,900 retail outlets nationwide and more than 500 G-Cash partners.
Mobile Remittance
Migrant remittances, which are personal flows from migrants to their friends and families, have become a major source of external development finance, and in the process, play an effective role in reducing poverty. There has been a rising demand of providing such financial services over the mobile network. Capitalizing on the benefits of such a system, remittance services can become cheaper and more convenient, thus improving financial access of migrants, their beneficiaries and the financial intermediaries in the origin countries.
To explore the demand of mobile remittance, let us at first take a look at how big the remittance market is. According to the World Bank, recorded remittances sent home by migrants from developing countries exceeded $200 billion in 2006, up from $193 billion in 2005 and more than double the amount in 2001. The true size of remittances, including unrecorded flows through formal and informal channels, may be even larger. As the chart below portrays, remittances was the second largest source of external finance for developing nations after foreign direct investment (FDI) and more than twice as large as official development assistance (ODA) received by developing countries. Considering that, on an average, banks impose around five percent remittance fee, the market is worth $10 billion, indeed a very lucrative one for mobile operators to tap.
The Philippines - A Case in Point
In 2005, the overseas Filipino workers (OFWs) spent $519 million (24,896 Pesos) as remittance fee. According to the Bangko Sentral ng Pilipinas (BSP), this is equal to almost five percent of the $10.7 billion-worth of remittances received by the Philippines the same year through bank channels.
For instance, there are currently close to 153,000 OFWs in Hong Kong, who make it the fifth biggest source of remittances for the Philippines, next to the United States, Saudi Arabia, Italy, and Japan. According to a study by the World Bank, the OFWs in Hong Kong remitted a total of $338.9 million in 2005, almost $65 million higher than $273.9 million remitted in 2004. Most of them remit at least once a month, sending home an average of $268 per transaction.
Recognizing the immense opportunity that remittance holds, Smart Communications, Inc (Smart), the Philippines' largest wireless service provider, has developed an m-commerce platform, the Smart Services Hub, to provide cash remittance and other financial services and products. Through this platform, migrant workers can send remittances to the Philippines at more affordable rates and, at the speed of a text message, any amount can be remitted from anywhere at any time.
According to the company, the service is part of the global money transfer program of the GSM Association - the program, supported by 19 of the world's leading operators, aims to create a money transfer solution that will take advantage of the pervasiveness of mobile phone networks worldwide in order to lower the cost of remittances.
Through the Smart Services Hub, mobile operators at the sending country are able to offer menu-based services that enable migrant subscribers to use their mobile phones to remit funds drawn from accounts in a partner bank in the sending country. After going though through authorization, clearance and settlement processes, the transaction is completed with the fund having being deposited in an account of the partner bank in the receiving country or in an electronic wallet linked to the recipient's mobile phone.
The Development Bank of the Philippines has also recently formed a strategic partnership with Smart to promote the use of m-commerce in delivering financial services to small and medium-scale enterprises, overseas workers and microfinance institutions.
Microfinance
In the recent past, microfinance programs have become one of the more promising ways to use scarce development funds to achieve the objectives of poverty alleviation.
Traditionally, banks and lending institutions would not lend money to low-income individuals due to various reasons, which include the lack of information about clients, the lack of acceptable collateral, and the high transaction cost of processing small loans. While countries such as the Philippines and Vietnam rely on a large microenterprise sector to fuel the economy, not many financial institutions, including rural banks, until recently, were enthusiastic and well equipped to service their needs. However, currently, the scenario is changing and there has been a growing market in east and south Asia for lending services provided by mostly non-governmental organizations. The rapid growth during the recent years coupled with government encouragement, is likely to create an enormous demand for such services in the near future.
Microfinance through Mobile Technology
Currently, a major constraint to microfinance is the high cost of operating in remote areas. Many institutions are now working toward low-cost delivery options such as Internet banking and cashless transactions to help the rural poor. In fact, it may not be the Internet, but the mobile devices that could be a more efficient tool for such transactions. For people in such rural areas, using computers is often a problem due to faulty Internet connections and frequent power failures. Hence, providing microcredits through a mobile platform (SMS-based) could be the best way to reach out to the poor.
In order to improve efficiency in the delivery of microfinance services, Kenya’s leading mobile operator, Safaricom Ltd, has collaborated with the Commercial Bank of Africa and a microfinance company, Faulu Uganda Limited, to design and test a micro-payment platform called M-PESA. In Kenya, where the banking system is not well developed, such a system will be able to utilize the existing large network of airtime dealers, shops, and kiosks, where cash can be collected and paid in. The micropayment platform, currently being tested, and the pilot study extended to 1,000 users, is likely to benefit both the customer and the service provider, for example, by reducing the time needed to make or process loan repayments.
Conclusion
While it can be argued that M-banking may not be the most necessary factor for an improved banking service in developing countries, it is, however, certain that traditional banking service alone may not result in any significant improvement in providing the un-banked community with access to the financial sector. The speed and efficiency with which money can be transferred and monitored, through such mobile platforms, is likely to be far greater and higher as compared to a cash-based system. Apart from extending customer reach, financial institutions will be able to reduce operational costs, which would have otherwise incurred on disbursement and loan collection. By leveraging operator's retail ecosystem comprising distributors, retailers, and street resellers, they will be able to streamline operations. The customers will also benefit by having better access to loans and lower borrowing costs.
Shaker Ibne Amin is a research analyst at Frost & Sullivan. He focuses on the mobile and wireless sector in Asia-Pacific, covering services, content and applications.
Contact
Media Queries - ANZ: sharmin.jassal@frost.com
Media Queries - Rest of APAC: letticia.leopold@frost.com
All Other Queries: yi.ling@frost.com
About Frost & Sullivan
Frost & Sullivan, a global growth consulting company, has been partnering with clients to support the development of innovative strategies for more than 40 years. The company's industry expertise integrates growth consulting, growth partnership services, and corporate management training to identify and develop opportunities. Frost & Sullivan serves an extensive clientele that includes Global 1000 companies, emerging companies, and the investment community by providing comprehensive industry coverage that reflects a unique global perspective and combines ongoing analysis of markets, technologies, econometrics, and demographics. For more information, visit www.frost.com
(1 IFC Infodev Report, Micro-Payment Systems and their application to mobile networks, January 2006)
Increasing popularity of remittance services and emergence of various microfinance programs coupled with the proliferation of mobile services in developing countries seem to have created a unique potential to provide financial services to the ‘un-banked’ segment over the mobile network, and at the same time, streamline operations and reduce operational overheads.
Mobile Banking in Developing Countries – An Opportunity
Over the past few years, mobile and wireless market has been one of the fastest growing markets in the world, especially in Asian countries such as China, Indonesia, India, and Philippines where the mobile infrastructure is comparatively much better than the fixed-line infrastructure. Saturation of the mobile subscriber growth and commoditization of voice services has led Mobile Network Operators (MNOs) to consider alternative revenue diversification streams. Mobile commerce, which can be defined as "the delivery of trusted transaction services over mobile devices for the exchange of goods and services between consumers and merchants and financial institutions", has emerged as one of such options. The Asia Pacific region is expected to account for more than a third of the $80 billion revenues that the total global Mobile Commerce market is likely to bring in 2009.
Mobile banking or M-Banking, which is a type of financial services offered as a part of mobile commerce, will be a major driver for the adoption of wireless technology in rural areas in developing countries. The service refers to the provisioning and availability of banking and financial services through the mobile technology and the scope of offered services may include facilities to conduct bank and stock market transactions, as well as enabling users to access customized information. Mobile Remittances, Micro-finance and Micro-payments services are likely to fuel the growth of M-banking in the developing countries especially amongst the un-banked segment.
Opportunities
For Users – It facilitates and reduces the cost of remittances, and enables financial transactions without the costs and risks associated with the use of cash, including theft and cost of travel to pay-in-person
For Banks – Banks have extensive knowledge of financial models and a good reach worldwide. Mobile Commerce provides the banks with an opportunity to further enhance their customer reach by migrating customers upward in the use of banking services - move the "un-banked" community toward the "banked" status.
For Network Operators – MNOs have a unique advantageous position, as they are the first-point contact with the customers, to tap the growing subscriber base with new offerings providing consumers a strong value proposition. Thus, MNOs should be looking at M-banking as an important source of revenue. As the core competence of the MNOs lies in delivering mobility solutions to their customers, it is prudent for them to partner with a financial Institution in order to gain access to credit facilities, credit payment management and other financial services.
Micropayments
In the more affluent economies, a good infrastructure for a cashless environment is already prevalent and most people have bank accounts and access to both debit and credit facilities. On the contrary, in the developing economies, a very large population segment has to rely heavily on cash-based transactions for all their day-to-day expenses. Such need for cash requires adequate cash-handling facilities, which comes at a cost. Furthermore, the particular segment, being neglected by the banking sector, remains un-banked. These factors are incentives in the developing countries to move the population at large away from cash with introductions of low cost solutions such as micro-payments to further efficiency gains.
Recognizing the potential that M-banking holds in strengthening the socioeconomic position of those currently lacking access to banking, especially the rural poor, the two leading mobile operators in the Philippines (SMART and GLOBE) have both become facilitators of banking through the mobiles. Their respective services, SMART Money and GCash, enable users to send and receive money, pay bills and taxes, and purchase items in shops through simple SMS-based services.
SMART Money
The service was launched in December 2000 in co-operation with First E-Bank, which has since been acquired by Banco de Oro, and MasterCard, one of the world’s leading payment services providers. According to SMART, SMART Money was the world’s first re-loadable electronic cash wallet, linked together by their cellular network. Once cash has been transferred to the SMART Money account, it can be used in thousands of shops and restaurants. The cash value can also be used to load airtime, pay utility bills, or transfer money from one SMART Money card to another. Among the Filipino OFWs working overseas, over a million are using the service to transfer almost US$50 million per month into the Philippines economy1.
G-Cash
The service was launched in October 2004, with an initial set of three anchor services; international and domestic remittance, P2P (phone-to-phone or person-to-person) transfers and payments for retail purchases. With G-Cash, all of GLOBE’s subscribers are m-Commerce-enabled. As users do not need to have a card or bank account to be part of the service, G-Cash is able to provide M-Commerce capability to a previously underserved segment of the market, including those who currently do not do banking. Unlike SMART’s approach whereby it operates the service jointly with BDO, GLOBE on its own maintains records of all transactions and arranges settlement between the retailers and the G-Cash customers. G-Cash provides services through close to 4,900 retail outlets nationwide and more than 500 G-Cash partners.
Mobile Remittance
Migrant remittances, which are personal flows from migrants to their friends and families, have become a major source of external development finance, and in the process, play an effective role in reducing poverty. There has been a rising demand of providing such financial services over the mobile network. Capitalizing on the benefits of such a system, remittance services can become cheaper and more convenient, thus improving financial access of migrants, their beneficiaries and the financial intermediaries in the origin countries.
To explore the demand of mobile remittance, let us at first take a look at how big the remittance market is. According to the World Bank, recorded remittances sent home by migrants from developing countries exceeded $200 billion in 2006, up from $193 billion in 2005 and more than double the amount in 2001. The true size of remittances, including unrecorded flows through formal and informal channels, may be even larger. As the chart below portrays, remittances was the second largest source of external finance for developing nations after foreign direct investment (FDI) and more than twice as large as official development assistance (ODA) received by developing countries. Considering that, on an average, banks impose around five percent remittance fee, the market is worth $10 billion, indeed a very lucrative one for mobile operators to tap.
The Philippines - A Case in Point
In 2005, the overseas Filipino workers (OFWs) spent $519 million (24,896 Pesos) as remittance fee. According to the Bangko Sentral ng Pilipinas (BSP), this is equal to almost five percent of the $10.7 billion-worth of remittances received by the Philippines the same year through bank channels.
For instance, there are currently close to 153,000 OFWs in Hong Kong, who make it the fifth biggest source of remittances for the Philippines, next to the United States, Saudi Arabia, Italy, and Japan. According to a study by the World Bank, the OFWs in Hong Kong remitted a total of $338.9 million in 2005, almost $65 million higher than $273.9 million remitted in 2004. Most of them remit at least once a month, sending home an average of $268 per transaction.
Recognizing the immense opportunity that remittance holds, Smart Communications, Inc (Smart), the Philippines' largest wireless service provider, has developed an m-commerce platform, the Smart Services Hub, to provide cash remittance and other financial services and products. Through this platform, migrant workers can send remittances to the Philippines at more affordable rates and, at the speed of a text message, any amount can be remitted from anywhere at any time.
According to the company, the service is part of the global money transfer program of the GSM Association - the program, supported by 19 of the world's leading operators, aims to create a money transfer solution that will take advantage of the pervasiveness of mobile phone networks worldwide in order to lower the cost of remittances.
Through the Smart Services Hub, mobile operators at the sending country are able to offer menu-based services that enable migrant subscribers to use their mobile phones to remit funds drawn from accounts in a partner bank in the sending country. After going though through authorization, clearance and settlement processes, the transaction is completed with the fund having being deposited in an account of the partner bank in the receiving country or in an electronic wallet linked to the recipient's mobile phone.
The Development Bank of the Philippines has also recently formed a strategic partnership with Smart to promote the use of m-commerce in delivering financial services to small and medium-scale enterprises, overseas workers and microfinance institutions.
Microfinance
In the recent past, microfinance programs have become one of the more promising ways to use scarce development funds to achieve the objectives of poverty alleviation.
Traditionally, banks and lending institutions would not lend money to low-income individuals due to various reasons, which include the lack of information about clients, the lack of acceptable collateral, and the high transaction cost of processing small loans. While countries such as the Philippines and Vietnam rely on a large microenterprise sector to fuel the economy, not many financial institutions, including rural banks, until recently, were enthusiastic and well equipped to service their needs. However, currently, the scenario is changing and there has been a growing market in east and south Asia for lending services provided by mostly non-governmental organizations. The rapid growth during the recent years coupled with government encouragement, is likely to create an enormous demand for such services in the near future.
Microfinance through Mobile Technology
Currently, a major constraint to microfinance is the high cost of operating in remote areas. Many institutions are now working toward low-cost delivery options such as Internet banking and cashless transactions to help the rural poor. In fact, it may not be the Internet, but the mobile devices that could be a more efficient tool for such transactions. For people in such rural areas, using computers is often a problem due to faulty Internet connections and frequent power failures. Hence, providing microcredits through a mobile platform (SMS-based) could be the best way to reach out to the poor.
In order to improve efficiency in the delivery of microfinance services, Kenya’s leading mobile operator, Safaricom Ltd, has collaborated with the Commercial Bank of Africa and a microfinance company, Faulu Uganda Limited, to design and test a micro-payment platform called M-PESA. In Kenya, where the banking system is not well developed, such a system will be able to utilize the existing large network of airtime dealers, shops, and kiosks, where cash can be collected and paid in. The micropayment platform, currently being tested, and the pilot study extended to 1,000 users, is likely to benefit both the customer and the service provider, for example, by reducing the time needed to make or process loan repayments.
Conclusion
While it can be argued that M-banking may not be the most necessary factor for an improved banking service in developing countries, it is, however, certain that traditional banking service alone may not result in any significant improvement in providing the un-banked community with access to the financial sector. The speed and efficiency with which money can be transferred and monitored, through such mobile platforms, is likely to be far greater and higher as compared to a cash-based system. Apart from extending customer reach, financial institutions will be able to reduce operational costs, which would have otherwise incurred on disbursement and loan collection. By leveraging operator's retail ecosystem comprising distributors, retailers, and street resellers, they will be able to streamline operations. The customers will also benefit by having better access to loans and lower borrowing costs.
Shaker Ibne Amin is a research analyst at Frost & Sullivan. He focuses on the mobile and wireless sector in Asia-Pacific, covering services, content and applications.
Contact
Media Queries - ANZ: sharmin.jassal@frost.com
Media Queries - Rest of APAC: letticia.leopold@frost.com
All Other Queries: yi.ling@frost.com
About Frost & Sullivan
Frost & Sullivan, a global growth consulting company, has been partnering with clients to support the development of innovative strategies for more than 40 years. The company's industry expertise integrates growth consulting, growth partnership services, and corporate management training to identify and develop opportunities. Frost & Sullivan serves an extensive clientele that includes Global 1000 companies, emerging companies, and the investment community by providing comprehensive industry coverage that reflects a unique global perspective and combines ongoing analysis of markets, technologies, econometrics, and demographics. For more information, visit www.frost.com
(1 IFC Infodev Report, Micro-Payment Systems and their application to mobile networks, January 2006)
samedi 3 novembre 2007
Carlos Creus Moreira Launches the EuroHub in Malaga
OISTE and Malaga Valley Group today signed an agreement to use WISeKey’s Common Global Root and scalable PKI hierarchy to establish a Euro-African Hub
Malaga, Spain and Geneva, Switzerland October 22, 2007
OISTE will help the government of Malaga become the new Euro-African Hub, with the aim of optimizing economic-social-cultural relations between Europe and Africa. This will be accomplished using the infrastructure of the Technology Park of Malaga and Malaga Valley and its unique geopolitical location. The project will be financed by the private sector, the European Union (EU) and the Spanish government.
Spain is eager to increase support to its continental neighbour, and the establishment of a Euro-African Hub is a logical and essential step. The Hub will become both a super-platform for optimizing commercial, technological and cultural links between the European Union and Africa, and also meeting-point and a place for research and study. Its location in Malaga is the work of the International Organization for the Security of Electronic Transactions (OISTE), the provincial government and the local business sector. The Hub is a natural step following the significant investments already deployed to convert Malaga into a leader of Euro-African initiatives. The provincial government of Malaga, with the help of Madrid and Brussels, has the firm objective to instantiate this new Hub as one of the major superhighways of Information Technology and Worldwide Communications (ICT).
To make the most of the potential of this project, the signatories intend to transform Malaga with this important technological Hub, which includes Internet technologies, and the new generation of mobile technologies, to provide sustainable electronic solutions, where security barriers and trust related to the use of public networks can be discussed. The identification of requirements for security services and the cost effective and the profitable aspect of this platform will ensure the provision of highly innovative services.
The Euro-African Hub will operate in a first phase from Geneva, in the highly protected buildings of WISeKey. The subsequent transfer to Malaga will take place once the on-site infrastructure is fully operational. This innovative system will combine multiple physical and electronic security systems utilizing PKI solutions within a “zero risk” secure environment, thanks to the extensive use of VPN (private data network) systems.
The global growth of the Internet is leading the world of business in unimaginable directions. Maintaining data privacy and confidentiality is a huge cost for companies, and the greater the geographic scope, the more complex and expensive are its communications.
"This initiative is an evolution of the agreement signed during the TELECOM'99 ITU in Geneva in November 1999, based on a partnership between WISeKey and the ITU to establish certification authorities in developing countries. Thanks to OISTE and WISeKey, 198 member countries of the International Telecommunication Union (ITU) understand the need for a global PKI structure under a shared common ROOT as it has been developed for OISTE and operated by WISeKey," said Philippe Doubre, president of OISTE, (http://www.itu.int/ITU-D/e-strategy/ecdc/ra/introduction.html)"
"WISeKey is currently mobilizing the public and private sectors in the Clinton Global Initiative (CGI) to support the deployment of NETeID, a comprehensive system of electronic payment through Internet-based digital identification. It is hoped that the Hub of Malaga Valley can also join this ambitious project," said Carlos Moreira.
"The creation of a Euro-African Hub will give a clear and effective answer to all cooperation activities between African and European countries. Technology will allow us to build that sort of bridges that will contribute to the development of Africa by bringing knowledge to people, and thus by an initiative leaded also by Civil Society, where the Asociacion de Usuarios de Internet (AUI) is proud of being a protagonist in this project," affirmed Miguel Perez Subias, President of AUI and promoter of the HUB during the Malaga Valley meeting.
--------------------------------------------------------------------------------
Members
Francisco de la Torre
ALCALDE DE MÁLAGA Abad, Fernando
Secretario General
GECOPI – Asociación de Empresas Gestoras de Cooperativas y Proyectos Inmobiliarios
Alarcón, Ginés
Consejero Delegado
TSYSTEM Alierta, Cesar
Presidente
TELEFONICA
Alvarez, Luis
Presidente
BT GLOBAL SERVICES Arranz Soler, Cesar
Presidente Ejecutivo
NEOSKY
Badía, Enrique
Miembro del Consejo Asesor
CREMADES & CALVO – SOTELO Bautista García, Eduardo
Presidente del Consejo de Dirección
SGAE
Bergareche, José Mª
Consejero Delegado
GRUPO VOCENTO Bernad Bonilla, Carlos
Director General Sur de Europa
ENVAC IBERIA
Casajoana, Xavier
Presidente
VOZ TELECOM SISTEMAS, S.L Cebrián Echarre, Juan Luís
Consejero Delegado
GRUPO PRISA
Cortés, Santiago
Presidente
HP Cortés, Miguel Ángel
Diputado del PP
Consejero
CREMADES & CALVO-SOTELO
Cremades, Javier
Presidente
CREMADES & CALVO – SOTELO de Benito, Ignacio
Director General
AEDE – Asociación de Editores de Diarios Españoles
de Jong, Rene
Presidente
INTERNET ADVENTAGE, S.L. de la Calle Martín, Adelaida
Rectora
UNIVERSIDAD DE MÁLAGA
del Rivero, Marieta
Consejera Delegada
NOKIA Del Sol Moreno, Francisco
Director General
MOBILE 365
Estrada Fernández, José
Director Gerente
Empresa Municipal de Iniciativas y Actividades Empresariales de Málaga, S.A. PROMALAGA Fernández Pujals, Leopoldo
Presidente
JAZZTEL
Fischer, Alexander
Director General
ZIELTRAFFIC Fuentes López, Mª José
Country Manager
GRUPO BUSCPERSON TELECOMUNICACIONES, S.L. A BRIGHTPOINT COMPANY
Galdón Brugaroles, Eugenio
Presidente
ONO Gamero del Castillo, Pedro
Presidente
TESTA
Gandarias Carmona, Manuel
Presidente
LIVE IN SPAIN García, Belarmino
Consejero Delegado
FRANCE TELECOM ESPAÑA
Genaro González, Martín
Presidente
GOWEX Hatchwell, Mauricio
Presidente
GRUPO EXCEM
Hylander, Gustavo
Director de Relaciones Institucionales
FUJITSU MANUFACTURING ESPAÑA Lázaro, J. Pablo
Presidente
FEDERACIÓN DE COMERCIO ELECTRÓNICO Y MARKETING DIRECTO
Llorente, Alejandro
Presidente
COLLOSA – Construcciones y Obras Llorente, S.A Linares Palacios, Abel
Consejero Delegado
IT – DEUSTO
Lozano Egea, Fermín
Consejero Delegado
11811 NUEVA INFORMACIÓN TELEFÓNICA, S.A.U Marqueño, José
Presidente
CONSEJO GENERAL DEL NOTARIADO
Mateos, Petra
Presidenta
HISPASAT Mazagatos, Alberto
Director General
CISCO
Medel Cámara, Braulio
Presidente
UNICAJA Medina Muñoz, José Javier
Decano
COITT
Moraleda, Amparo
Presidenta
IBM ESPAÑA S.A. Moreira, Carlos
Presidente
WISEKEY
Moreno, José Mª
Consejero Delegado
NEXTEL ENGINEERING Muñoz Ballesta, Juan Luis
Director Gerente
CEMI – Centro Municipal de Informática/ Ayuntamiento de Málaga
Moulet, Antonio
Presidente
NEC IBÉRICA, S.A.U. Ontiveros Baeza, Emilio
Consejero Delegado
ANALISTAS FINANCIEROS INTERNACIONALES
Paraja Tuero, Roberto
/ Presidente
SOCIEDAD PROMOTORA DE LAS TELECOMUNICACIONES EN ASTURIAS, S.A. CAJASTUR Pérez, Martín
Presidente
ASIMELEC
Pérez Subías, Miguel
Presidente
ASOCIACION DE USUARIOS DE INTERNET Puerta Notario, Antonio
Decano
ESCUELA TÉCNICA SUPERIOR DE INGENIEROS DE TELECOMUNICACIONES
Ramiro, Javier
Presidente
PHILIPS IBERICA, S.A. Ramos Chaves, Isla
Directora General
LENOVO
Redondo Iglesias, Alfredo
Consejero Delegado
ALCATEL-LUCENT Rivas-Micoud, Alejandro
Presidente
ALÓ COMUNICACIONES
Rodríguez Carro, Vicente
CEO INTEGROMICS Rodríguez Cepeda, Eugenio
Decano
COLEGIO DE REGISTRADORES DE LA PROPIEDAD
Rodríguez Zapatero, Javier
Presidente
YAHOO! IBERIA Rodríguez, Fernando
Consejero Delegado
OPTIMEDIA
Román, Francisco
Consejero Delegado
VODAFONE ESPAÑA Romera Lubias, Felipe
Director General
PARQUE TECNOLÓGICO DE ANDALUCÍA
Ruiz Padilla, José Miguel
Decano
COLEGIO OFICIAL DE INGENIEROS DE TELECOMUNICACIONES. DEMARCACION ANDALUCIA ORIENTAL Y MELILLA Salas Márquez, Francisco José
Concejal Delegado de Nuevas Tecnologías
AYUNTAMIENTO DE MÁLAGA
Sánchez, Gilberto
Presidente
CLEARWIRE Sánchez Ortega, Manuel
Presidente
TELVENT
Soto Serrano, Juan
Presidente de honor de Hewlett Packard España
Presidente Comisión de Estudio para el Desarrollo de la Sociedad de la Información
HP
COMISIÓN DE ESTUDIO PARA EL DESARROLLO DE LA SOCIEDAD DE LA INFORMACIÓN Steinberg, Victor
Consejero Delegado
VICTOR STEINBERG Y ASOCIADOS
Tripero, Rafael
Director General
GRUPO BEM ESPAÑA Ulibarri, José Luis
Presidente
ASODAL
Varsavsky, Martín
Presidente
FON Vázquez Quintana, José María
Velázquez-Gaztelu, Cándido Vidal-Quadras, Alejo
Vicepresidente
PARLAMENTO EUROPEO
Ybarra Zubiria, Álvaro
Presidente
ISOFOTON
Contact:
WISeKey SA:
Daniel Ybarra, VP Corporate Communication
Tel: +41-22-594-30-00
Email: dybarra@wisekey.com
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