Cashlog Mobile Payments at ePay Netcomm Forum 2012
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  • 1. CASHLOG the new frontier for mobile micro paymentsBuongiorno SpA 1
  • 2. Agenda • Who is Buongiorno? • Micro payments opportunity • Micro payments survey • M-payments evolution • CashlogBuongiorno SpA 2
  • 3. Who is Buongiorno? Buongiorno is a multinational leader in the worldwide mobile ecosystem for developing and managing paid apps and contents that help consumers get greater enjoyment from mobile devices.  Partner and directly connected with more than 130 Telecom Operators in 25 countries +10 years experience  850 professionalsBuongiorno SpA 3
  • 4. The future of payments is mobileBuongiorno SpA 4
  • 5. Micropayments’ opportunity in Europe Size of micropayments industry in Europe by revenue (€bn) (Transactions < €5) Source: Value partner “capture the micropayments opportunity”Buongiorno SpA 5
  • 6. 40% of Internet users say they use Micropayments Question: How often you have used micropayments to pay for services or content/products over the internet for an amount under €10/£10/$10 (online games, online music, gambling, newspapers, virtual currency…)? Total Internet Users Very often Fairly often From time to time Rarely FRA 2% 4% 13% 20% 39% Micropayments are commonly used in SPA 1%2% 10% 20% 33% the UK (55%) USA 2% 2% 10% 20% 34% GER 3% 4% 14% 20% 41% UK 4% 11% 20% 20% 55% Total Monthly Average ExpenditureEU Average € 19,3 USA consumers GER € 16,6 are the biggest FRA €17,8 spenders UK £19,8 SPA €27,2 USA $ 48Source: Harris Interactive: The Hi-Media Micropayment Observatory Dec 2010Buongiorno SpA 6
  • 7. Types of Micropayments Methods e.g. France: 74% of European micropayments’ More than 1/3 of users choose users use another mean of mobile billing (Mobile phone, payment to credit cards Fixed line, ADSL) EU 74% Average M-paymnet 13% USA 40% ADSL 27% FRA 67% UK IVR 35% 68% SPA 68% PSMS 35% GER 87% Source: Harris Interactive: The Hi-Media Micropayment Observatory Dec 2010Buongiorno SpA 7
  • 8. Type of Content/Services Purchased Question: Which micropayments services/products do you mostly purchase? FRA UK GER SPA USA Music 33% 55% 46% 43% 52% Online games 22% 18% 20% 24% 20% Music and Games are Videos 20% 12% 12% 19% 14% the most popular Classifieds 19% 13% 13% 20% 11% Gambling games 18% 17% 13% 21% 5% micropayments Documents 16% 15% 22% 21% 8% purchases Newspapers Articles 12% 9% 17% 18% 6% Legal Information 10% 10% 10% 14% 3% Premium/VIP account that allows to advance in a game 24% with extra functionalities e.g. France Online subscription to a game (daily, weekly or monthly 31% 22% of users have bought online subscription) games Virtual currency, virtual goods 34% Download a game 44% Source: Harris Interactive: The Hi-Media Micropayment Observatory Dec 2010Buongiorno SpA 8
  • 9. M-Commerce today. • Smartphones are the fastest growing mobile area (+21,7% in Q1 2011) • iOS and Android are the emerging worldwide OS in terms of usage − Over 80% of Mobile Internet is concentrated on these two Operating systems • Apple maintains a successful, proprietary system to deliver and bill content, Google supports downloads and different billing methods, in and out Android MarketplaceBuongiorno SpA 9
  • 10. Customers’ purchase behavior is changing: from downloads to IN-APP billingBuongiorno SpA 10
  • 11. WEB APPS Web Applications are constantly gaining market share and we firmly believe they will replace native apps really shortly. • Much easier to technically develop, maintain and upgrade • «Natively» cross platform (Android, IOS, J2ME, Blackberry) • Same level of experience and engagement compared to a Native App • Enabling a fully independent distribution strategy & management (no need to be on the Android and Apple market store) • Providing the maximum flexibility on paymentBuongiorno SpA 11
  • 12. CASHLOG: IN A NUTSHELL Cashlog is a mobile payment platform based on +10 year experience of Buongiorno Group in mobile digital distribution and payments’ solutions for mobile operators. Cashlog is now available in Italy, Spain, Germany, France and progressively worldwide. Cashlog enables MERCHANT to sell digital goods and digital services to mobile phone users The purchase is charged to end users on their mobile phone bills.Buongiorno SpA 12
  • 13. Mobile flow Mobile Flow in 3G connections MSISDN automatically For: recognized. • Mobile Internet App 2.0 The user doesn’t insert a • Mobile internet Website phone number and a pin − Android Market Application code verification. Available on Smartphones and Tablets also in Wifi connection without a Msisdn recognition. (OTP Based)Buongiorno SpA 13
  • 14. Questions? Thank you info@cashlog.comBuongiorno SpA 14