MVNEs and OCS’s Absolute Guide

At Telgoo5, we allow MVNE and MVNO’s to charge in real-time based on service usage. You’ll need to provide a real-time telecom billing system to display the most up-to-date usage for customers.

MVNE and MVNOs

MVNE Contingent on accurate Online Charging Systems

In today's world of telecom providers, the MVNE plays a pivotal role in behind-the-scenes operations. MVNE or Mobile Virtual Network Enabler can be thought of as the backbone of MVNOs. They are a telecom solution for network infrastructure and other services such as administration, operations support systems, SIM provisioning, and business support systems. An MVNE specializes in the planning, implementation, and management phases of companies that offer mobile services.

Given the wide range of responsibilities that MVNE has, they will need support from many aspects, such as an Online Charging System (OCS). The industry has grown in complexity over the years. Telecom providers offer more services, giving their customers more choices. As a result, every MVNE will need an online charging vendor to simplify its process and provide real-time tracking.

At Telgoo5, we allow MVNE and MVNO’s to charge in real-time based on service usage.

You’ll need to provide a real-time telecom billing system to display the most up-to-date usage for customers. This prevents payment confusion that could ruin the customer experience. Telgoo5 also offers session-based charging and event-based charging allowing your business to customize your offerings.

How to Choose the Right Online Payment Method for Your MVNE Needs?

While many companies offer telecom billing systems, you'll want to find the solution that matches your MVNE needs. Here are some features that every online charging system provider needs.

Scalability

As your business grows, you'll need to handle a larger customer base. A system that loses its functionality during peak hours or can't handle an increase in subscriber count won't fit your needs. Make sure the OCS can handle both vertical and horizontal scalability.

Flexibility

Every online charging system should come with real-time charging and convergent billing. Convergent billing is the sum of all service charges into one invoice allowing customers to view the different services used easily.

Convergent billing offers many advantages such as:

●     Cross-service discounts so that customers can receive preferential pricing

●     Support for both pre-paid and post-paid billing

●     Maximize revenue streams and minimize leakage

Cloud-based System

A cloud-based online charging system continually works for you 24/7. This eliminates potential errors or system issues that a non-cloud-based system would have. Using the cloud ensures you can provide accurate charging, especially for MVNE companies, which must provide accurate usage to MVNOs or other clientele. Cloud systems can provide accurate billing for data, calls, SMS messages, and more.

Security Encryption

When it comes to customer records, their information must be encrypted and never compromised. The security encryption technology should be updated frequently to handle future cyber threats. Telgoo5 leverages Amazon Web Services and Microsoft Azure to ensure the complete safety of data and accurate processing.

Customer Service

Excellent customer service should always be a consideration with any vendor you work with. When it comes to wireless network infrastructure, data session failures or disrupted calls or texts may occur. As a result, you'll need instantaneous responses to serve your clients best. Choose a vendor that puts its customers first and has friendly representatives who quickly provide solutions.

Reporting and Analytics

Any OCS should offer telecom billing analytics that provides data into usage, behavior, and other stats. As an MVNE, gaining insight into your customer's behaviors allows you to see how you can better serve your clients and shape your operations to meet the ever-changing demands of the telecom industry.

Conclusion 

At Telgoo5, we offer innovative online charging systems specifically geared towards the telecom industry. We support the latest services, including 5G and IoT. Our cloud-based system offers real-time charging and convergent billing to keep your customers happy. Furthermore, Telgoo5 lets mobile operators customize their solutions by providing pre-paid, post-paid, IoT, and Machine to Machine services. As a result, MVNE, MVNO, and MVNA’s can tailor their services to meet the demands of their customers.

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What is the Difference Between a MVNA MVNO and MVNE? +Why Telgoo5 Software is Pivotal

MVNO stands for Mobile Virtual Network Operators. It describes a telecom service provider that does not actually own the wireless network infrastructure it uses to provide services to its customers. It is common for MVNOs to access mobile data services via MVNA.

MVNO and MVNE

When it comes to the world of telecom services, there is a lot of jargon to learn. The acronym-heavy language can look like greek at first, but once the vocab is demystified everything can be understood. A major part of the difficulty is that a lot of the acronyms look similar, but the systems they represent have distinct differences. Today, we both define and highlight the differences between MVNAs, MVNOs, and MVNEs, along with explaining why Telgoo5 software is pivotal for each.

MVNA

MVNA stands for Mobile Virtual Network Aggregators. It describes a telecom provider that operates in a wholesale capacity. An MVNA provides mobile and data services to Mobile Virtual Network Operators (MVNOs, to be covered in the next section), who then provide billable services to their end users. MVNAs can be challenging to manage, which is where the Telgoo5 platform steps in. Telgoo5 streamlines the billing and operational side of any MVNA business. We help to ensure that services get delivered and that the operator gets paid. Our end-to-end cloud based SaaS platform powers the entire telecom industry, including MVNAs.

MVNO

MVNO stands for Mobile Virtual Network Operators. It describes a telecom service provider that does not actually own the wireless network infrastructure it uses to provide services to its customers. It is common for MVNOs to access mobile data services via MVNA. If you have access to mobile data, there is a chance you are accessing it through an MVNO. Every day, people interact with the telecom business without thinking much about the systems in place to make their connection possible. Telgoo5 offers a fantastic support system to MVNOs. Our modular platform offers an Omni Channel CRM, billing, online charging, and payment engines that drive the global networks that users lean on every single day for data access. 

MVNE

MVNE stands for Mobile Virtual Network Enablers. It describes a company that provides network infrastructure like provisioning, administration, operations support systems, and business support systems to MVNOs, who then provide data services to their clients. MVNEs do not actually interact with end-users. While MVNEs are busy supporting MVNOs, Telgoo5 supports MVNEs with our top-notch AT integration that anticipates MVNE needs before they even appear. Telgoo5 appreciates the complexities of the Mobile Virtual Network market and can support companies that provide data services in any capacity. 

You may have noticed that the acronyms described above are similar because all three business types operate in the same space - the Mobile Virtual Network space. In many cases, an MVNA provides data to an MVNO, who leans on an MVNE for operational support. The user performing a Google search on his mobile device will have no idea how many companies are involved in making his search happen...unless something goes wrong. Telgoo5 provides an end-to-end cloud-based platform that powers everyone in the MVNE space, with the goal of always providing uninterrupted service to the end-user. 

Do not slog through this complicated space alone. Lean on Telgoo5 for all of your telecom needs. We will smooth out the process and make sure you look good along the way.

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Serve Every Market Better with Superior Billing Support Systems

Billing Support System

Telecom operators have evolved over the years from being product-centric to customer-centric. The shift in approach hasn’t actually changed the way things are done on a technical level, but it has transformed the business aspect considerably. Whether it is a fully-functional CSP (Communication Service Provider) e.g. Verizon or just an MVNO (Mobile Virtual Network Operator) e.g. Liberty Wireless, the change in business model is pretty evident. Especially the smaller players i.e. MVNO are increasingly focusing on the customer experience who are using their services. With MVNE (Mobile Virtual Network Enabler) handling their requirements on technical front, they are more concerned about the more visible aspects such as billing support systems.

Improving the Customer Experience with Better Billing Support Systems

A Billing Support System is the most important piece of software in the repertoire of telecom operators. It allows them to alter their monetization strategies, offer a better point of sale and at the same time improves revenue assurance.

Essential requirements of modern-day billing systems:

Real-time charging

At the least, every MVNO should have a real-time charging platform. Such a platform is an integral part of telco strategy in the modern times. It allows for consolidated billing service, which is an absolute must-have. As almost every operator nowadays deals in more than one telecom service, it makes no sense to send separate bills. Especially when your competitors are already using convergent billing, you cannot afford to stay behind the 8 ball. A real-time charging system offers greater revenue assurance and allows you to bill prepaid, postpaid, broadband services at the same place.

Greater control over monetization strategy

The complexity of telecom domain is rising as we speak. There is no avoiding the technicalities if you want to be successful in the domain. Hence, it is essential that you have an intuitive telecom billing platform that allows for greater control over monetization. You should be able to monetize every service at the same place and serve your customers better. For example, intuitive platforms like Telgoo5 abstracts you from intricacies such as interconnect billing, tax application, vendor partnership payments etc. All you need to do is mix and match different services to create telecom services plans that appeal to your customer base.

Not only that, a real-time charging system also implements credit limits accurately. It means customers get timely alerts when they are about to exceed their allotted quota. Also, you are provided APIs, which offer turnkey solutions to emerging requirements. Whether you are a Data MVNO or a dedicated ioT services provider, Telgoo5 can do wonders for your telecom services.

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Telgoo5 Mobile Virtual Network Enabler

The Telgoo5 MVNE is a cost-effective billing and customer care platform that is capable of hosting an unlimited number of MVNO’s or brands. The platform does so with complete flexibility, caters to the needs of all ​major MVNO models and provides seamless connection with different protocols on any network.

The Telgoo5 MVNE is a cost-effective billing and customer care platform that is capable of hosting an unlimited number of MVNO’s or brands. The platform does so with complete flexibility, caters to the needs of all ​major MVNO models and provides seamless connection with different protocols on any network.

In the highly competitive telecommunications global market, agility and ability to market quickly are important factors for any MVNO that wants to be successful. The Telgoo5 MVNE platform backed by our support expertise and unmatched systems integration will enable any MVNO to benefit from a wide range of deployment models, functionality, scalability, and integration.

Telgoo5 MVNO platform is designed to form the foundation of any MVNO network while connecting the MNO partner with all MVNO back-office systems. It caters for hybrid, pre-paid and post-paid packages as well as various segments including Closed User Group (CUG) and residential communities.

System growth is fully scalable without any limitations on the number of brands or MVNO’s. It is only limited by hardware. We target businesses that would like to onboard devices rapidly, either into their proposed or existing managed-service infrastructures.

Why Choose Telgoo5 Enabler Solutions

Agile Project Management

  • We provide organization and expertise

  • We provide a personalized follow-up when it comes to delivering services

  • We adapt to each customer’s project needs

  • We deploy a project methodology that has been tried and tested

Technical Architecture

  • We offer top-notch functionalities such as fixed-mobile convergence, pay as you go, pay monthly and real-time control

  • We define interconnection models

  • We design services based on the technical independence level you want

  • We determine complicated call flows

Business Model Flexibility

  • We help clients negotiate their contracts with MNOs

  • We help clients optimize their business plans

  • We provide billing customization to enable clients to control their P&L

  • We determine technical optimizations for optimum financial performance

Telgoo5 MVNE Benefits

Seamless Integration – Our platform connects seamlessly with any protocol on any network, including GSM and CDMA.

Flexible – Our platform is designed to provide complete flexibility and to enable each MVNO to define its own services and processes.

Convenience – The platform takes care of all ​major MVNO models and can host many MVNO’s or brands.

Reduced Opex – This feature-rich and cost-effective platform will reduce the total cost of ownership as well as operational expenditure.

Individualization – The platform allows individual MVNO’s to tailor their currency, language, and more.

Easy Service Construction – Reduces deployment and development time, making it easy to focus on building your services.

Reduced Capex – Telgoo5 utilizes the latest technologies when developing software. This enables us to customize our software cost-effectively and quickly, depending on each MVNO’s business requirements, hence saving on Capex.

Get Started

Whether you are an MNO (Mobile Network Operator) or an MVNO (Mobile Virtual Network Operator), whatever the business or technical models you want to set up. Telgoo5

enabler solutions bring you the expertise and flexibility to help you make your MVNO project a reality or ​launch your project​. ​Contact us​ today to get more information.

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Billing for MVNOs and MNOs

Both MVNOs and MNOs offer communication services to their subscribers even through MVNO have to buy bulk minutes and data from MNOs in order to cater to their users. MVNOs and MNOs perform similar functions such that most users do not know that MVNOs needs to purchase bulk packages from MNOs in order to cater to them.

Both MVNOs and MNOs offer communication services to their subscribers even though MVNO have to buy bulk minutes and data from MNOs in order to cater to their users. MVNOs and MNOs perform similar functions such that most users do not know that MVNOs need to purchase bulk packages from MNOs in order to cater to them.  They perform functions such as;

  • Issuing and activation of Sim cards

  • Have branding and marketing

  • Billing

  • They set their own tariffs

  • Offer customer care and support to subscribers

Due to the services offered by the two network providers to their subscribers, it is important for them to have a billing system. MVNOs rely on MNOs interconnect billing services.

Interconnect billing system for MVNOs

A majority of the MVNOs depend on the MNOs Interconnect billing system because they do not have their own. The interconnect billing system keeps track of income and spending as well as the demand in the price for airtime. Since the MNO will have a part in the operations of the MVNO, they can outsource an independent vendor. The vendor who will keep track of how data is being processed will help to ensure that both the MNOs and MVNOs get a fair share of their earnings.

When MVNOs receive incoming calls they charge the MNOs an amount of money that is less compared to the airtime charge. The fee charged can be termed as an interconnect termination fee. The termination fee of both the MNO and the MVNO is similar to the fee which the operator is charged.

In case of an outgoing call, the MNO will receive an imposed payment that is less than the airtime charge by the terminating operator.

MNOs

In the present day for any business to be able to maximize the profits that it is making day in and out, they need to have a billing system that will help in the charging of prepaid services. More and more people are purchasing smartphones and using them for data. Previously, a lot of mobile users would spend a big amount of their funds on voice calls as well as messages; however, there has been a change. In the era whereby everyone is on their laptops, tablets, smartphones as well as other internet devices, data is likely to be what most users are highly spending on.

That is why network operators put up good billing systems that help them in keeping track of their earnings and as well keep a record of their client’s information. Cloud-based systems and the Internet of things help when it comes to billing operations.

MVNOs

MVNOs have been in operation for several decades now and even though there have been speculations that they would be run out of the market they are still growing. In certain countries, MVNOs are dominant. MVNOs still depend on MVNEs to act as intermediaries. Those who can be able to predict the future based on their own careful analysis speculate that MVNOs are moving towards a huge digital transformation whereby they will be able to have control over their own data by owning it and being able to manage their own billing systems.

MVNOs can either choose to;

  • Buy bulk services at wholesale prices from MNOs, brand them, and then resell them to their subscribers.

  • Brand their services and make them available for users to purchase with MVNEs helping them to provide the services to end-users at a fixed commission.

  • Sell their products and services and pay the MVNE based on the profits they get from their end-users.

Regardless of the options that MVNOs choose they will still be expected to pay a deposit to MVNE followed by monthly payments.

Since both of these network operators offer a variety of services, billing is not an option but a requirement. MNOs can be able to carry out their own billing hence they can be able to keep track of the progress that their business makes. MVNOs, on the other hand, will require MVNEs to act as intermediaries between them and the end-users. MVNOs should be able to choose which option will work best for them when it comes to their billing requirements.

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Fast Track Your Telecom Offerings with the Latest MVNE Solutions

Fortunately, Telgoo5 is a seasoned MVNE that has the ability to scale with the needs of your MVNO or MNO by specializing in fixed, IoT, fiber, ISP and other types of billing. We process hundreds of millions of transactions each day and work with many different companies in all levels of growth.

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Fortunately, Telgoo5 is a seasoned MVNE that has the ability to scale with the needs of your MVNO or MNO by specializing in fixed, IoT, fiber, ISP and other types of billing. We process hundreds of millions of transactions each day and work with many different companies in all levels of growth. We have the resources and infrastructure to grow with your customer demands, and we are skilled at allowing you a platform to scale rapidly and seamlessly. With a comprehensive audit trail and top-notch accounting, Telgoo5 is on top of its game at all times. We pride ourselves on being the best in class, and we keep our clients in the loop at all stages of the game.

Is your MVNE slowing you down or not able to grow as fast as you would like, Telgoo5 offers both flexibility and ease of use. With so many options built in your time to market will be extremely short.

At Telgoo5 we pride ourselves on being more of a partner than a vendor. As such, we make sure that we schedule regular calls with our telecom partners to make sure that they are apprised of everything that we are doing at every stage of the game. Each MNO or MVNO is assigned a representative that has an intimate knowledge of their business and ultimate goals. This allows us to help them from the ground up, and be able to assist with any scaling needs in real time. We know that scaling is one of the most challenging times for any business, and we pride ourselves on providing out-of-the-box solutions and a flexible and robust platform to help businesses scale with ease.

With CDR-based billing and charging that performs both offline and in real-time, Telgoo5’s telecom billing system was designed for the specific needs of MVNOs and MNOs. Furthermore, we always account for taxation in billing and can aid businesses in navigating complex telecom taxation matters.

This consideration allows you to rest easy and know that everything is taken care of for you. We have hundreds of different billing profiles and get set up to over one thousand unique combinations of billing, so you can tailor our products to fit your specific needs. You never have to use what doesn’t work for your company. We are all about streamlining the process, making it easier on you, and excelling at our mandate of amazing customer service.

Telgoo5’s platform is sophisticated and integrated; able to handle plenty of demand. Even though we have plenty of satisfied clients, we make sure that each of them is able to choose a customized solution that fits them perfectly. We understand that every business has different needs and will join us at various stages of their development. As such, we treat each and every business as a unique partner that we are committed to serving. This commitment from us keeps your business free to do the important work of attracting new customers, building your brand, and making your business the best it can be. Think of Telgoo5 as a solid platform that allows you to focus on the crucial work growing your business.

MVNE’s are the core of your business, choose Telgoo5 which is associated with the biggest MVNO’s and most successful aggregators.

If you are a new MVNO or MNO, you need an MVNE partner that has your back. Telgoo5 is that partner!

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Don’t Go It Alone- 3 Major Reasons Why You Need An MVNE

MVNE and MVNO are two terms that are interchanged often in the business world, but they are totally different and understanding the distinction and the value of a good MVNE can save your business tons of money in the long run!

MVNE stands for Mobile Virtual Network Enabler. It’s a fancy term for companies that work with MNVO providers to offer a comfortable infrastructure for growth, handle administrative and billing tasks, and provide services at wholesale costs. MVNOs are Mobile Virtual Network Operators, individual companies that partner up with MVNEs to streamline their service and grow their customer base.

Dont-Go-It-Alone-3-Major-Reasons-Why-You-Need-An-MVNE-768x512.jpg

MVNE and MVNO are two terms that are interchanged often in the business world, but they are totally different and understanding the distinction and the value of a good MVNE can save your business tons of money in the long run!

MVNE stands for Mobile Virtual Network Enabler. It’s a fancy term for companies that work with MNVO providers to offer a comfortable infrastructure for growth, handle administrative and billing tasks, and provide services at wholesale costs. MVNOs are Mobile Virtual Network Operators, individual companies that partner up with MVNEs to streamline their service and grow their customer base.

Think about an MVNE as a trusted safety net for your business. The best ones are able to withstand rapid growth and company change while catering to your operational needs. Smart MVNEs have secure, fail-proof operating systems that are constantly being updated and monitored for any problems. They will also conduct regular meetings with MNVOs as part of their commitment to customer service and transparency. Partnering with the right MVNE can skyrocket the success of your business and solidify your customer base.

You’ll Save Money

Many MNVEs save money to providers by offering cloud based solutions and handling these transactions from start to finish. You’ll save plenty of money in server costs, and also conserve more of your time, allowing you to focus on other important parts of your business like marketing or customer sales. Essentially MNVEs provide a comfortable space for you to operate within, taking care of all of the logistics and infrastructure.

At Telgoo5, a division of (v)WeCare, we know that the bottom line is important to MNVOs. That’s why we offer weekly calls to MNVOs and constantly keep them apprised of all of the innovative things that we’re doing to help them grow. Our feature-rich system is easy to use, and we consider ourselves to be much more of a partner than a vendor. We take care of distribution and inventory, using our market knowledge to save you as much money as possible.

Your Billing Will Be Taken Care Of

If accurate customer billing is a headache that you don’t want to deal with, an MVNE with billing capabilities could be the perfect solution to your problem. MVNEs offer outstanding billing services, saving your tons of money in administrative costs and keeping all of your customers right on track.

Telgoo5’s sophisticated billing software was designed to faciliate smart, accurate billing through periodic bill cycles that keep all of your customers on track. We pride ourselves on being a one-stop-shop for MVNOs, and we know that accurate billing is one big part of that. We have also been operational since 1999, so we know exactly how to deal with mulitiple customers and handle just about everything. We’ve seen it all!

They Can Scale With Your Company’s Needs

The last thing that you need is technology failing you when you’re trying to build your customer base. Unfortunately, nothing makes customers flee faster than infrastructure that can’t keep up. Good MVNEs know that they need to be able to scale with your needs or your customers risk losing service. That’s why it’s critical to find an MVNE with no single point of failure, a rich and flexible platform and an outstanding support team who will work with you to shoot for the stars!

Telgoo 5’s platform was designed specifically to scale. It was built from the ground up and is constantly being updated and enhanced to ensure that our customers are getting the best service possible. Our feature-rich platform combines CRM and BSS for a platform that simply will not let you down. We perform over 500 million transactions every day, employ over a thousand people and have offices all over the US. Our infrastructure was designed for US-based customers, and so far the reviews have been out of this world!

MVNEs are designed specifically to help streamline the process of getting your product to your end customers. Why worry about the hassle of trying to incorporate administrative tasks like billing, inventory or shipping onto your already full plate if you don’t have to? Choosing the right MVNE to partner with will save you tons of time, energy and money!

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How Virtualization Can Help MVNEs to Offer More Flexible Services

Operational flexibility in one of the single most important attributes customers look out for when they are looking for an MVNE. Many MVNE companies try to address this need by marketing their services with phrases like “in a box”, “scalable”, and similar phrases. In reality, however, most MVNE services are anything but flexible. Such services are usually offered in arbitrary bundles on whose scope the customer has no say. To get a cutting edge, an MVNE needs to make its services truly flexible. In this article, we discuss ways in which MVNEs can utilize the power of the cloud and reliable suppliers to improve the flexibility of their offerings.

Operational flexibility in one of the single most important attributes customers look out for when they are looking for an MVNE. Many MVNE companies try to address this need by marketing their services with phrases like “in a box”, “scalable”, and similar phrases. In reality, however, most MVNE services are anything but flexible. Such services are usually offered in arbitrary bundles on whose scope the customer has no say. To get a cutting edge, an MVNE needs to make its services truly flexible. In this article, we discuss ways in which MVNEs can utilize the power of the cloud and reliable suppliers to improve the flexibility of their offerings.

How Migrating to Cloud Environment Helps MVNEs to Offer Flexible Services

Many MVNEs offer services with a mixture of full cloud and partial cloud-based services. Having full integrated cloud services is should be the ultimate target for MVNEs that intend to be competitive. Migrating all services to the cloud can help an MVNE to have:

  • More flexibility in the way resources are allocated. This enables allocation of more resources to a certain task without fidgeting with the hardware

  • Improved security which enables you to provide assurance beyond that of the donor

  • Unlimited connectivity ability which can enable the company to have over 16 Short Message Service Centers (SMSCs) or more instead of the typical two

  • Assurance that data will be maintained in one network environment whether it is being stored, processed, or reported.

  • Up to 99.99 percent uptime even if donors can’t get beyond 97 percent.

Build Your Own Cloud

Photo by panumas nikhomkhai from Pexels

Photo by panumas nikhomkhai from Pexels

Some MVNEs are responding to the challenge of becoming fully cloud-based by building their own cloud systems. Such projects make services that are considered “off the shelf” and are partly in the cloud to be fully cloud services. Such services include Network Functions Virtualization (NFV), Software-Defined Networking (SDN), and more. An MVNE may be able to improve its session Board Controller (SBC), Mobile Switching Center (MSC), SMSC, Gateway GPRS Support Node (GGSN), and Over The Air (OTA) by re-integrating them in this way. Of course, this may require a big investment in terms of time, human resources, and money. This scenarios does not favor all MVNEs.

Find Suppliers That Enable Flexibility

The reality is that most MVNE companies don’t have the resources needed to deploy everything they need for a full cloud operation. Building your own systems for services like APIs, security patching, regression, debugging, connectivity, and billing may be a toll order for your MVNE and many companies need to work with suppliers to deliver services to the MVNOs. The issue with many MVNE suppliers is that the suppliers do not give them the rights or license to sell freely to third parties. This prevents MVNEs from repackaging their services to meet the individual needs of their customers. To give your customers the flexibility they require, you need to get reliable suppliers that allow you to deploy as they wish without restrictions. Companies, therefore, need to work with the right suppliers to be able to provide flexible services to the customers. You will be able to make all your services including SBC, MSC, SMSC, and GGSN, and OTA fully in the cloud.

Building a single cloud environment for your MVNE will, no doubt, simplify the company’s operations. It also enables MVNEs to offer MVNOs more flexible services. MVNEs can integrate their services by building their own cloud hardware or finding reliable suppliers. At Telogoo5, we provide scalable billing services to MVNE. We understand that each MVNE is unique and their customers may have unique needs that differ from others. That is why we offers flexible and scalable billing services that can be tweaked to meet the needs of individual customers. Contact us for a free, no-obligation quote today.

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