Mobile Payments — Where are we?

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  • 1. A world view… a few examples… discussion about business models
    Mobile PaymentsWhere are we?
    Society for Computers and Law,
    London, July 2011
    Version 1, Jul-15-11
    1
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  • 2. World View
    2
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    Starting in the centre of the world, which is Woking, or more specifically the car park at Woking railway station
  • 3. Four-way view
    3
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    Here’s one way to look at the world of mobile payments
  • 4. Examples
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    Examples from each quadrant that have some key lessons wrapped up inside them
  • 5. Japan: The MacDonald’s Club
    5
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    1 in 8 subscribers in Japan belong to the McDonald’s club
  • 6. Kenya: M-PESA
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    A quarter of Kenyan GDP passes through M-PESASource: Wired UK (6/11)
  • 7. UK: Barclaycard and Orange
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    Cards aren’t that cool, but phones are
  • 8. US: Square
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    This is the window into the new payments environment
  • 9. Business Models
    9
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    What are the drivers for mobile, and why are some people mad for it while others are sceptical?
  • 10. Technology and business model
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    “I don’t care how it works, only what it does”
    Network
    Handset
    UICC (and SIM application)
    SIM Toolkit
    Secure Element (SE)
    Single-Wire Protocol (SWP)
    Trusted Service Manager (TSM)
  • 11. The big picture
    11
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  • 12. There are many, many options
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  • 13. Different business models
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    The GSMA model
    SE under control of mobile operator
    UICC SE, SWP, TSM
    The bank experiment
    SE under control of issuer
    SD SE, TSM
    The Google Wallet
    SE nothing to do with bank or telco
  • 14. Many thanks
    14
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    For more information
    Please feel free to contact me
    Do come and visit us online