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DATA SCIENCE:

DRIVING MOBILE
OPERATOR DIGITAL
TRANSFORMATION
THE SCIENCE, THE STRATEGY AND REAL
WORLD IMPACT OF DATA SCIENCE FOR
MOBILE OPERATORS
2 CONTENTS

04 UNLOCKING IDENTITY WITH DATA SCIENCE


Page 06

05 DATA SCIENCE IN ACTION:


CREDIT EXTENSIONS
Page 07

06
DELIVERING ON DIGITAL
TRANSFORMATION
Page 09
01
EXECUTIVE SUMMARY - DATA SCIENCE: DRIVING
MOBILE OPERATOR DIGITAL TRANSFORMATION
Page 03

07
BOOSTING ENGAGEMENT
AND ADOPTION
page 10
02
SCENE SET - DISRUPTING THE TELECOMS
INDUSTRY (AGAIN)
Page 04

08 IMPACT: BOOSTING BUSINESS


PERFORMANCE
DATA SCIENCE IN MOBILE TELECOMS: Page 11
03
ADDRESSING THE ANONYMITY CHALLENGE
Page 05

09
RECOMMENDATIONS
Page 13
3

01 EXECUTIVE SUMMARY :
DIGITAL DISRUPTION AND
TRANSFORMATION IN MOBILE
D
igital technologies capable of new order is instant, mobile, contextual The GSMA argues that the financial benefits
harnessing the data generated as services and this is changing not only of these digital transformation strategies will
customers and institutions interact consumption patterns but also the take some time to materialize, particularly
with service providers are disrupting entire process of product ideation. as many operators are still at relatively early
industries. Organizations that intend to stages. But the reality is that data science-
remain relevant and profitable in the digital Understanding evolving customer led strategies are already having a profound
era must establish a new strategy, rethink demands and behaviors is the critical impact. For the few operators that have set
organizational structures, and remove the ingredient for digital transformation for out on this journey, the first step has been
barriers all to turn digital disruption from mobile operators; but before operators to assign financial identities to prepaid users
a threat into an opportunity. can start, they must unlock the identity to unlock insight, boost engagement, and
of each subscriber. Data science has the create and deliver compelling new services
Unlike outmoded analysis methods tools capable of unmasking anonymous such as lending.
such as heuristics or even business subscribers, and with it, the insight to
intelligence, which relies on data mining deliver on digital transformation. If they Looking through the lens of mobile financial
to find answers to existing problems, data dont, mobile operators will continue to services the results are transformational.
science can inform business strategy be marginalized by OTT providers. Data science establishes a personalized
and organizational change. It is currently lending criteria, as opposed to a set of
employed by world class organizations With such a large share of mobile yes/no rules, meaning service provision is
from Google to Netflix to UPS to enhance subscribers being anonymous, mobile democratized and accelerated. Products
customer knowledge and speed decision operators are unable to deliver higher- previously beyond the reach of many
making to stay ahead of the competition. value services. This stunts growth in a subscribers are made available regardless
In other words, these global leaders, potentially lucrative market as studies of income, culture and other demographic
in their respective markets, use data indicate that ARPU is around 60-70% nuances. Access to services and the use
science to deliver results through lower for prepaid than post-paid. of higher value, upstream products is
digital transformation. dramatically improved, improving loyalty
The unmasking process requires mobile and driving new sources of revenue.
The telecoms industry is not immune operators to generate, analyze, and
to disruption. As Over-The-Top (OTT) iterate enormous volumes of rich data Through the deployment of data science
service providers marginalize revenue to shift from an anonymous relationship to mobile financial services, there is the
streams, mobile operators are forced to based on a SIM card (or phone number) potential to boost the value of the prepaid
move away from commoditized services to an identity-based one. mobile market by more than $70 billion,
like network reach and quality and into increasing ARPU by 10-15% and reducing
new differentiated offerings that leverage Operators need to embrace a strategy churn by 50% .3
subscriber data. Unfortunately for centered on generating new customer
mobile network operators, most of their data, combining it with existing and This report demonstrates that through
customers are anonymous prepaid users usually disparate data sources and the convergence of new data science
and this data currently does not exist. employing data science along with methodologies, cloud computing and
The GSMA estimates that 77% of the 4.9 growth strategies - such as game the near ubiquity of smartphones, mobile
billion mobile users in 2017 are prepaid1. mechanics - to generate business operators can apply cutting edge data
Identified solely as faceless SIM cards critical insight and actionable data. science methodologies to deliver on digital
and phone numbers. This data science-driven digital transformation, through pioneering offerings
transformation strategy creates identities such as mobile financial services, with
On the customer side, advances in digital for each individual mobile subscriber, dramatic business performance gains.
technology are fueling more complex continuously and in real time. Bringing
1. GSMA Wireless Intelligence, 2016
demands by customers of their service together seemingly disparate data 2.Mobile operators, the digital transformation opportunity, GSMA, 2016
providers. Increasingly, customers expect sources will enable mobile operators 3. Juvo Data, 2017

the levels of satisfaction they receive to quantify the aggregate behavior of


from leaders such as Amazon, Apple, the entire user base to offer digital
and Google across all industries. The products that are relevant to each
individual subscriber.
4

02 SCENE SET: DISRUPTING THE


TELECOMS INDUSTRY (AGAIN)
DATA SCIENCE: INTUITION TO INSIGHT

P
C and smartphone ubiquity have driven internet adoption and instant
communications. Consumers today use interactive real-time products that change Big data is important, and it is
in response to the behavior from an entire user base, which in the case of Facebook,
can correspond to billions of users. This is enabled by data science, which applies advanced
new. When you think about it,
mathematical and statistical techniques to big data to uncover insights that can improve the only way this planet is going
performance. Google processes more than 20 petabytes of data every day. Without data to deal with its global challenges
science, Google wouldnt be the Google we know today.
such as feeding people, supplying
Digital-first, customer-centric business models have been the cause of the disappearance them with medical care, energy,
of more than half of Fortune 500 companies since 20005. These large, once-successful
companies that pre-date the digital era were hunted from all sides by internet giants and
electricity and to combat make
fast-moving start-ups. The frontrunners in this nascent landscape are digital-first tech sure that they wont be burnt to a
companies upsetting business as usual: Ant Financial is shaking up the payments space,
crisp because of global warming
while Slack is killing email and Uber is revolutionizing transportation.
will be through the effective use
Popular start-ups are disrupting the traditional communications sphere, with Skype, Viber, of data.
WeChat and WhatsApp seriously undercutting prices in both text and voice. These OTT
players are adding to mobile operators woes by harnessing massive amounts of data
generated by individuals and institutions as they interact with digital devices and services KENNETH CUKIER,
to inform the development of their services. THE ECONOMIST,
BIG DATA IS BETTER DATA
THE CHALLENGE FOR MOBILE OPERATORS
The challenges facing mobile operators today are many and various from improving
ARPU and reducing churn among prepaid subscribers, to launching new services and
unlocking new revenue streams. Of course, continual investment in commoditized
services isnt the answer, and the value of an operators business is in subscriber data. Telcos face a number of key
challenges as they undergo
Mobile technology is integral to digital disruption, but the irony is that mobile operators
arent always reaping the rewards. OTT providers have become expert at taking large,
digital transformation. Keeping
unstructured data sets and gleaning actionable intelligence from them. The result is focus on the impact on customer
powerful products and propositions which garner millions of users. For mobile operators to
experience aligns transition with
disrupt the service flow to OTT providers, they must embrace the power of data science
and big data to not only address core KPIs but open the door to previously unimaginable business growth opportunity, and
services. showing early cost savings impact
Going forward, success for mobile operators will no longer be defined by commoditized adds to the bottom line, driving
services, reach or quality but the ability to monetize subscriber data. momentum. Failure to transform
DISRUPTING THE SERVICE FLOW
could lead to shrinking business,
Rather than relying on simple data analysis, charts, dashboards or other business leaving money on the table and
intelligence tools, data science offers ways to take the data from real-time interactions even losing ground as competitors
and use it to design products that give every customer a personalized user experience. This
has a dramatic effect on ARPU, lowers churn and steadily improves average lifetime value. take value and share.
For mobile operators to interrupt the service flow to OTT players, they must embrace the SUSAN WELSH DE GRIMALDO,
power of data science and big data to not only address core KPIs but open the door to DIRECTOR WIRELESS OPERATOR
previously unimaginable services and revenue streams. STRATEGIES, STRATEGY ANALYTICS

5. Digital disruption has only just begun, WEF, 2016


5

03 DATA SCIENCE IN MOBILE TELECOMS:


ADDRESSING THE ANONYMITY
CHALLENGE
FROM THREAT TO OPPORTUNITY

B
uilding on the capital mobile operators have already invested and their strong brands and touch points with customers, they are
uniquely positioned to dominate the digital area. As digital-first businesses, mobile operators need to draw on their broad range of
capabilities, decades of institutional know-how to leverage the potential of data science to stay ahead of the competition.

With over 85% of mobile users globally falling into the prepaid category (3.7 bn)6, the vast majority of subscribers are completely
anonymous to the mobile operator. Digital transformation, and more specifically, mobile operators ability to develop, deliver and drive
the use of new higher value services, is predicated on unmasking previously unknown mobile users. To establish unique digital identities
at scale mobile operators can turn to proven data science methodologies and apply them to mobile usage and behaviors.

DIGITAL FOOTPRINTS
Consumer demand for smartphones continues to drive growth. By the end of 2016, over 80% percent of mobile phones were
smartphones, up 12 percent from 2015.7 Just like internet users, with search histories, cookies and IP records, prepaid mobile
subscribers leave digital footprints as they interact with their mobile device. Every interaction is a data point and an opportunity to
continuously build more and more robust digital identities. Between 2016 and 2022, data traffic generated by smartphones is expected
to increase ten times, which means ten times the volume and velocity of data that can be used to unlock subscribers identities. And,
wherever there are large volumes of first-party data, mobile operators will be first in line to benefit.

Applying data science to the big data generated by these digital footprints is imperative to disrupting the service flow away from
OTT players and reorienting mobile operator businesses. Turning data into actionable insight, data science offers mobile operators an
advantage that is difficult or even impossible for OTT players to match. And with the ability to analyze these digital footprints, operators
will unlock a new customer segment that numbers in the billions.

6. GSMA Wireless Intelligence, 2016


7. Gartner, 2016
6

04 UNLOCKING IDENTITY WITH


DATA SCIENCE

T
DIGITAL TRANSFORMATION STRATEGY
he core strategy for mobile operators is to shift from an anonymous relationship based on a SIM card (or phone number)
to an identity-based one.

Mobile operators already have innumerable customer data sets but this data is disparate and unconnected, making distillation
and comprehension not only an enormous job, but extremely difficult. Furthermore, existing data sets do not provide enough data to
unlock identities with real user insight. The deployment of new tools, like consumer apps and game mechanics, generates new types
of engagement and leads to the creation of further valuable data. Here we see how data science transforms customer insight and
engagement by bringing together previously disparate data sources:

FIG. BEFORE & AFTER


In the BEFORE scenario, prepaid
user Anna browses, checks
balance, buys and borrows over
a 30-day period, but not through
one single app or back-office
system. Furthermore, Annas
relationship with her mobile
operator is one-way, with the
operator unable to identify
who uses Annas mobile
device or drive engagement.

In the AFTER scenario, Annas


actions are integrated, streamlined.
Previously disparate data sources
are now corralled around a single
point and person Annas app
with all data sources providing
intelligence to the mobile operator.
The relationship has shifted from
anonymous to identity-led and is
now two way.

DATA SCIENCE METHODOLOGIES


At the convergence of statistics and computer science, machine learning methodically optimizes decision-making on a real time basis.
It turns big data sets into insights that enable mobile operators to not only understand but predict customer behavior, providing new
segmentation methodologies.

Data science allows mobile operators to quantify the aggregate behavior of the entire user base rather than build insights based on
intuition and personal experience. It uncovers commonalities between types of users that are either successful or unsuccessful with a
product. Marketers and growth teams use these findings to improve the performance of their product, identify a user acquisition funnel
and spot patterns in user engagement.

To realize this, mobile operators need to:


1. Combine all potential sources of data in a consistent and unified manner
2. Surface real time data powered financial products that offer new incentives for the user to remain on network
3. Develop the ability to offer data products that are relevant and differentiated for each user, on the basis of the data
collected not only from an individual user, but from the aggregated user base
7
Mobile apps with great user experience provide a focal point for the customer relationship while game mechanics drive more
engagement and generate new data. Through the creation of a reward-based, smartphone app environment in which subscribers
earn points based on payback, sharing, and other usage behavior, mobile operators will positively impact engagement and provide
important data to create and refine digital identities.

05 DATA SCIENCE IN ACTION:


CREDIT EXTENSIONS

E
merging market operators are the vanguard of digital transformation, and many are turning their focus to how data
science can dramatically improve mobile financial services, beginning with credit extensions The provision of mobile
financial services is a natural first step in the application of data science for many emerging market mobile operators
because it is a marquee service, still beyond the clutches of OTT providers, and intimately tied to digital identity.

Prepaid user churn is typically the single biggest problem for mobile network operators. In emerging markets, churn rates
equate to 3-10% per month which means mobile operators lose at least one third of their existing prepaid customers every year.

Credit extensions can be a way for operators to reduce churn, increase brand affinity, and begin to offer high-value financial
services to subscribers. However, the emergency lending programs that operators use to provide credit extensions to their
subscribers do not achieve these key objectives. Furthermore, most emergency lending programs analyze subscriber data
infrequently sometimes as little as once per month to create their score for subscribers. The result is a program that is
often too conservative that restricts a large majority of an operators prepaid subscriber base from taking even the smallest loan,
thereby leaving a lot of revenue on the table for operators. Moreover, these loan values typically do not vary based on subscriber
behavior or insights. Other than a yes or no for a pre-determined amount, lending doesnt differentiate the operator nor build a
users identity based on borrowing and payback behavior.

Data science provides a better way.

THE METHOD
Building an advanced credit extension program with data science requires a clear understanding of subscribers financial habits
and spending power. Account and historical top up data from the operator provides a strong foundation for constructing these
financial identities for subscribers. To create an intelligent method of scoring for credit extensions from these very large data
sets, big data techniques using cloud computing technologies must be used to run analysis and experiments in real-time.

The best data scientists use modern techniques to create self-learning algorithms that incorporate learnings from across
the globe that dynamically evolve. Regularly ingesting network metadata, though common MNO account and various APIs,
these learning algorithms visualize subscriber behavior in real time. By capturing mobile operator network data and new data
generated by deploying an engaging self-service app, machine learning and credit algorithms are applied to establish financial
identities for each individual subscriber.

How does this happen?

Connect and consolidate


The first hurdle is determining the best way to connect an external data science driven technology stack to the operators
services ecosystem, such as the billing and account systems to ingest subscriber metadata, and the product catalog, security
systems, and the SMSC to activate user engagement. A flexible and varied, yet efficient approach to evaluating and prioritizing
connection options and layers is critical to accelerating time to market.
Once the technical connection and necessary consolidation is established, data scientists take the helm.

Scrutinize and analyze


Before launching a new data science driven proposition, data scientists scrutinize and analyze network user data to:

Conduct product package analysis to initially define a product set, such as loan value or incentive packages
Determine notifications, such as the exact content, frequency and time of week/day
Establish a fraud prevention framework
Create a credit algorithm
8

Synthesize and optimize


Post-launch, in-app usage data and network data is combined, cleaned and analyzed in real time enabling data scientists and
engineers to immediately synthesize and optimize by determining what is working where, how, and when. The optimization
process delivers a validated and enhanced product set. On-going real time and in-depth data analysis continues to calibrate
the credit algorithm ensuring accuracy.

By combining disparate forms of user metadata and using sophisticated predictive algorithms for credit, mobile operators can
create a virtuous circle: modern game mechanics increase loyalty and engagement grows subscribers are encouraged to
progress through reward levels to unlock benefits. As more data is generated, operator intelligence grows, creditworthiness is
established, and access to both credit and mobile financial services is unlocked. Through the analysis of terabytes of actionable
data every day, mobile operators can allow users to make real-time transactions based on spending, payback and app behaviors.

As the user continues to use the application, the mobile operator can differentiate between users who are potential credit risks and
those who are creditworthy, enabling the ability to grant larger and larger credit advances. All effective credit extension programs
increase revenue because subscribers can top up instantly from their phones in moments when previously it was inconvenient or
impossible to top up in cash. Once they earn higher levels of credit, subscribers become less likely to abandon their SIMs for a new
promotion from another operator.

FIG. SUBSCRIBERS INTERACTIONS EARN REWARDS


Game mechanics encourage prepaid users to engage more with self-service apps through earning points and leveling-up.
9

06 DELIVERING
ON DIGITAL
TRANSFORMATION

A
s a driver of digital transformation, adopting data science methodologies requires mobile operators to implement
certain technologies in tandem:

OMNI-CHANNEL ARCHITECTURE:
Decisions made in one channel have an impact on products in others, and omni-channel architecture makes sure mobile
operators stay aligned.

CLOUD:
Applications in the cloud are always current, always available, and highly scalable, making (took out so the cloud) continuous
innovation an achievable objective.

NETWORK VISIBILITY:
Mobile operators can track where products are within their virtual four walls, but seeing the big picture, such as integrating social
media networks, is a challenge. Cloud-based platforms capable of integrating with multiple APIs and automating millions of
processes are rapidly changing the definition of visibility.

DIGITAL TRANSFORMATION REALIZED


Only with the right platform in place can mobile operators utilize data science methodologies to deliver on digital transformation:

NEW WAYS OF THINKING:


Data science helps guide organizational change and drive improvements across all facets of the organization to transform
customer experience, operational processes, and business planning.

NEW CAPABILITIES:
From digital identities to game mechanics and advanced business intelligence, data science enables
a raft of new horizontal operational capabilities that can drive growth. Product performance is self-enhancing, loyalty programs
are automated, and leadership teams can make decisions faster and implement them across the organization rapidly

NETWORK VISIBILITY:
Data science offers mobile operators unique insights that inform service development, delivery, and optimization. Data science
will transform their initiatives within mobile financial services by unlocking essential access to credit and basic financial services to
advance individuals up the pathway toward financial inclusion.
10

07 IMPACT: BOOSTING
ENGAGEMENT

W
ith the right strategy, methodology and platforms in place, operators will have taken the first steps in delivering on digital
transformation. After laying the groundwork, it is critical that operators use the subscriber insight unlocked through data
science to develop new service offerings.

Mobile has enormous potential to change peoples lives by unlocking access to essential financial services to drive financial inclusion.
These should be high value, sticky services, that improve loyalty, improve revenues and open-up new opportunities for cross selling
and upselling. Unfortunately, mobile operators in many markets have struggled to drive the ongoing use of mobile financial services.

For the leading operators on the journey towards digital transformation, the first service launched has been mobile financial services
offerings, starting with credit extensions. This is because data science has the power to establish financial identities at the outset, and
meet subscribers where they are to drive the ongoing use of mobile financial services to fulfil the promise of mobile money.

The following graphs demonstrate the real-world impact of data science on the engagement and ongoing use of
mobile financial services:

DATA SCIENCE DESIGNED PRODUCTS RESULT IN ACCELERATED PROGRESSION TO


PREDICTABLE PAYMENT PATTERNS GREATER FINANCIAL ACCESS
Repayment Rate

% of total users

Days
Segmented reward levels by days of engagement

Figure 1: When reviewing credit extension repayments, data shows Figure 2: Personalized lending criteria targets users that
that users from different markets with diverse and varied incomes, are able to migrate to a higher reward level in a short period
cultures and other demographic nuances, have almost identical of time. This allows operators to begin to segment their user
payback rates. This demonstrates the power of data science to base to offer the right services to the right users.
accurately predict creditworthiness regardless of user profile.
11

IN-MARKET SNAPSHOT OF CREDIT PROGRESSION CROSS-MARKET SNAPSHOT OF CREDIT PROGRESSION

Level
Level

Average Number of Days to Reach Level Average Number of Days to Reach Level

Figure 3: Data science applications can unlock access to Figure 4: The lines above represent 13 different countries with
services usually beyond the reach of some subscribers. By annual GDPs that differ by 1000%, yet the time for a user to reach
democratizing service provision, all income segments can Diamond levels differ by only 20%. When analyzing progression
establish credit, and therefore financial identities, and unlock of creditworthiness and ascension up the financial services
access to financial services. ladder, data shows that progression is repeatable and predictive
regardless of country gross domestic product (GDP).

08 IMPACT: BOOSTING
BUSINESS PERFORMANCE

F
orward-thinking mobile operators are already benefiting from digital transformation through data science with huge gains in
business performance that can exceed KPIs.

Looking at mobile financial services once again, the use of data science has made the product more accessible, compelling and
easy to use. Users have established a credit worthiness, a line of credit within the operators system and now have a financial identity
that can provide access to upstream mobile financial services. As adoption, usage and engagement increases, users spend more, are
more loyal and can derive more utility from their provider - anonymous SIM cards are transformed into credit cards, giving customers
the ability to stay connected with the world.

As a result, mobile operators see dramatic and ongoing revenue growth and churn reduction as well as other business impacts.
And finally, operators can invest in improving their products and services, as opposed to customer acquisition.

The following graphs demonstrate the real-world impact of data science in the context of mobile financial services and are based on
aggregated data across multiple mobile operators and markets:
12

CONSUMPTION & ARPU CHURN REDUCTION

Churn Rate (%)


ARPU

10% increase 50% churn


in ARPU reduction

Time (Days) Time (Months)

Figure 5: Immediate credit extensions encourage increased Figure 6: The combination of credit and game mechanics
consumption and value. Unlike other approaches, this creates drives higher engagement among prepaid users. More
instant uplift in ARPU. Prepaid ARPU increases by 10-15% among engaged users are more loyal and less likely to churn.
users within the first 30 days of deployment. Prepaid churn is reduced by 50% among users within 90 days.

LIFETIME VALUE (LTV)


Lifetime Value (%)

Over 50% increase in


Lifetime Value

Years
Figure 7: Increased consumption and reduced churn leads
to increase in lifetime value. The approach not only sparks an
immediate jump in revenues, but it also delivers significant
long-term growth. Average lifetime value per prepaid
subscriber doubles.

CHANGE IN LIFETIME VALUE DUE TO ARPU


LIFT AND CHURN REDUCTION
ARPU

Lifetime of Active User


13
THE IMPACT ON THE GLOBAL PREPAID MARKET
Applied globally, data science could boost the value of the prepaid market by
$70 billion, increasing operator prepaid ARPU by 10% and reducing prepaid
customer churn by 50%. This translates into huge cost savings. For example,
major players like Sprint and other US carriers spend around 5% on ad buys,
primarily for customer acquisition. By drastically reducing churn in their network,
the need to acquire new users (or re-acquire previous users who abandoned them)

ABOUT JUVO
is almost eliminated

Juvo was founded with an overarching


mission: to establish financial identities
for the billions of people worldwide
who are creditworthy, yet financially
excluded. In partnership with mobile
network operators, Juvos proprietary

09 RECOMMENDATIONS
Identity Scoring technology uses data
science, machine learning, and game
mechanics to create an identity-based
relationship with anonymous prepaid
users. Identity Scoring creates financial
identities for users, providing ongoing
DATA SCIENCE: INTUITION TO INSIGHT access to otherwise unattainable
This report has examined the potential of data science to drive digital transformation for mobile financial services to boost
mobile operators. While putting this report together, we identified several recommendations engagement and dramatically improve
for mobile operators considering how to become digital-first businesses. subscriber loyalty and revenue for
Digital transformation is a huge, but essential, undertaking for every mobile operator in the mobile operators.
world. Faced with such a daunting and amorphous task it is often difficult to know where to
start in the journey towards digital transformation. Juvo is a privately-held company
backed by global business leaders
This journey starts and ends with the customer and by unmasking previously anonymous and luminaries in the world of tech,
subscribers, mobile operators can begin to reorient their business. This process is entirely
mobile and finance. Its executive team
predicated on using data science to establish identities for every single customer, and using
comprises accomplished industry
their collective digital footprints, alter structures and revise products based on real-time
leaders across the data science,
intelligence, beginning with
consumer internet, financial services
and mobile telecom fields.
01. Review existing customer touch points across all channels
Headquartered in San Francisco, with
02. Combine all potential sources of data in a unified matter offices in Miami, London, Buenos Aires,
Manila, and Jakarta. Juvo has a reach
03. Introduce new sources of uncovering customer data of over 350 million subscribers across
four continents and is deployed in 23
04. Integrate data science across all customer channels
countries. For more information, follow
05. Use data science to develop products that are relevant and us on Twitter or LinkedIn, or find us at
differentiated for each user based on data collected not www.juvo.com
only from an individual user, but from aggregated user base

06 Partner with organizations who are experienced in making


this journey even embracing OTT providers is important as
collaboration will prove crucial to success.

As this report has demonstrated, data science is having a real-world impact on mobile
operators businesses. Digital transformation driven by data science isnt theory; its a reality.
Discover how Juvo is digitally transforming mobile operator businesses: www.juvo.com
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