Gartner defines the revenue management and monetization solutions as commercial off-the-shelf software solutions that address communications service providers’ back-end operations requirements of rating, charging, billing, payments, collections, partner settlement, monetization and related activities. RM&M solutions also enable CSPs with billing and payments associated customer care. Monetization refers to revenue growth initiatives and activities using levers, such as solutions for mobile banking, supporting as-a-service propositions and new business models.