From the very simple observation of guest workers' habits and how they lack appropriate solutions from mobile operators, Fixed & Mobile developed an innovative and unique business model around mobile remittance.

Transfer To™ is an international mobile top-up solution specially designed for migrant subscribers: foreign workers, travellers and expatriates. This solution is a complementary value added service enabling mobile operators to expand their distribution on the international market. 

This business model was first started for credit transfers between the Middle-East and Asia. For instance, a Filipino living and working in Saudi Arabia can reload the prepaid account of his brother in the Philippines directly via SMS. All the sender needs to do is enter the amount and the destination number he wishes to recharge and the receiver will instantly get the corresponding airtime credit directly on his mobile account.  

Migration corridors and remittance trends

In the world, 200 million migrants remit over $300 billion home. Emerging countries account for more than 50% of mobile subscriber growth worldwide, with the top 10 adding around 285 million new subscribers in 2006. These countries see their telecom industry contributing with an average of 4% to their country’s GDP and over 60 million people draw part of their income from airtime reselling.