A mobile virtual network operator (MVNO) is a mobile telephony service provider that does not own the cellular network infrastructure over which it provides services to its customers. An MVNO enters into a business agreement with a mobile network operator (MNO) to obtain bulk access to network services at wholesale rates, then sets retail prices independently. Both MVNOs and MNOs are mobile phone operators. An MVNO may use its own customer service, billing support systems, marketing, and sales personnel, or it could employ the services of a mobile virtual network enabler (MVNE).