Simon Torrance

embedded finance embedded insurance open banking bank as a service business model business telco digital ecosystems platform strategy baas telco 20 ecosystems 20 model mobile strategy fintech infrastructure banking as a service digital transformation fintech embedded wealth management digital strategy platform digital platforms telco 2.0; strategy; transformation; index; telefo etisalat telco 2.0; business models; mobile operators; grow syndicated research study video telecoms research sided methodology partners two stl use 2sided twosided cases models 2008 december survey broadband ict telcos' google vodafone orange bt gsma at&t itu digital economy corporate services media markets 2.0 customer