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Mobile Payments Vision Euro-Wallet
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  • 1. We don’t see things as they are, we see them as we are...
  • 2. Our world is changing
  • 3. Our world is changing In less than 20 years we went from this...
  • 4. to thi s....
  • 5. Content
  • 6. Content
  • 7. Content - Technology and a changing society
  • 8. Content - Technology and a changing society - The future of (mobile) payments
  • 9. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 10. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 11. How did a journalist used to get his news? How long did this take him?
  • 12. Who is still going to a record store to discover new music?
  • 13. To a realtor to check the houses in your neighborhood?
  • 14. Did we really go to the bank for every transaction?
  • 15. Were we really shopping in a supermarket?
  • 16. There is a new generation coming... And they have different knowledge, skills and ways of working
  • 17. Knowledge, skills and ways of working these guys can’t manage
  • 18. Because they were there when this was world news:
  • 19. But they don’t know any better, they have not experienced ‘back in the days’, they grew up with it...
  • 20. Technology and ambition are teaming up!
  • 21. ..and these guys think it won’t go that fast.. 
  • 22. But is going that fast! And there is nothing the older generation can do to keep up...
  • 23. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 24. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 25. ARE WE STILL IN CONTROL OF OUR DATA, TRANSACTIONS AND ID? ARE FINANCIAL TRANSACTIONS FUN?
  • 26. WHY NOT???
  • 27. Isn’t it time to SECURE YOUR IDENTITY
  • 28. ? Isn’t it time to CONTROL YOUR TRANSACTIONS
  • 29. ? Isn’t it time to MONETIZE YOUR DATA
  • 30. OUR VISION
  • 31. OUR VISION We see a world where people are the owner of their money, information and identity.
  • 32. OUR VISION We see a world where people are the owner of their money, information and identity. A world where ones actions are rewarded and the financial boundaries of micro-payments are resolved.
  • 33. OUR VISION We see a world where people are the owner of their money, information and identity. A world where ones actions are rewarded and the financial boundaries of micro-payments are resolved. Resulting in an economy that is bigger and more diverse created out of the equality of trade and information.
  • 34. OUR MISSION
  • 35. OUR MISSION Euro-Wallet strives to give back control to the consumer and the merchant by making transactions free of charge, social and fun
  • 36. OUR MISSION - Consumers -
  • 37. OUR MISSION - Consumers - For consumers this means taking control over their own money, information and identity and having fun while performing transactions and capitalizing their own information and identity
  • 38. OUR MISSION - Merchants -
  • 39. OUR MISSION - Merchants - Every merchants will get free transactions and is empowered with new marketing tools and access to a breadth and depth of information unimaginable before.
  • 40. OUR AMBITION
  • 41. OUR AMBITION • Provide an independent payment and loyalty system
  • 42. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure
  • 43. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure • Make payments easy and fun
  • 44. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure • Make payments easy and fun • Provide a payment and loyalty system that can communicate with the end user
  • 45. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure • Make payments easy and fun • Provide a payment and loyalty system that can communicate with the end user • Provide a payment and loyalty system that is compatible with every mobile phone on earth
  • 46. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure • Make payments easy and fun • Provide a payment and loyalty system that can communicate with the end user • Provide a payment and loyalty system that is compatible with every mobile phone on earth • Monetize the information behind the transaction
  • 47. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure • Make payments easy and fun • Provide a payment and loyalty system that can communicate with the end user • Provide a payment and loyalty system that is compatible with every mobile phone on earth • Monetize the information behind the transaction • Create a widely accepted mobile intelligence and payment platform within Europe
  • 48. OUR AMBITION • Provide an independent payment and loyalty system • Lowering the cost of the transactions for consumers and merchants to zero, utilizing current technology and infrastructure • Make payments easy and fun • Provide a payment and loyalty system that can communicate with the end user • Provide a payment and loyalty system that is compatible with every mobile phone on earth • Monetize the information behind the transaction • Create a widely accepted mobile intelligence and payment platform within Europe • Become the number one marketing machine between the virtual and real payments world.
  • 49. What are the key success factors for mobile payments? Fast, easy to use and for everybody accessible..
  • 50. What are the key success factors for mobile payments?
  • 51. What are the key success factors for mobile payments? The supplying party must have the right profile
  • 52. What are the key success factors for mobile payments? The supplying party must have the right profile Telcom Providers & Social platforms do not have the right profile
  • 53. What are the key success factors for mobile payments? No additional hardware
  • 54. What are the key success factors for mobile payments? Ensure complete privacy
  • 55. Current situation?
  • 56. Current situation? Internet usage in NL: • 92% penetration • 71% connects every day
  • 57. Current situation? Internet usage in NL: • 92% penetration • 71% connects every day Broadband Internet (penetration): • NL = 93 % • EU average = 54%
  • 58. RFID / NFC Technology • Widely discussed but still years away from introduction • Is no prerequisite for mobile payments • Window of opportunity at least 2 years
  • 59. Digital Content • 39% of European online users is downloading music (1 out of 4 is willing to pay for it) • 18% of European online users is playing games, expected to grow to 25%
  • 60. Mobiel •>100% penetration •52% under 25 doesn’t feel connected with the world without mobile phone •>200.000 iPhone apps available
  • 61. eCommerce • Offline POS will grow with 4% • eCommerce will grow with 18% between 2009 and 2012
  • 62. Crea%ng  opportuni%es  by  offering  solu%ons Need  for  free  transac%ons  are  solved  by  Euro-­‐Wallet “Two-click Pay” convenience as key driver Effective fraude protection/security in a card not necessary No more need for ʻvirtual moneyʼ. Micropayments for online shopping are a huge market Day-to-day Retail transactions (P2POS) Use existing infrastructure (Barcode) Prepared for new technology (NFC) Integrate with loyalty card, tickets and coupon functionalities Person-to-person (P2P) payments Low transaction value / micropayments Easy to use and simple Consumers decide what their data is worth and make money with it
  • 63. Day of transactions in the life of a consumer Up till now Morning Evening As of now
  • 64. Day of transactions in the life of a consumer Up till now Morning Evening As of now
  • 65. Day of transactions in the life of a consumer Up till now Morning Evening E-coupons checkout As of now Loyalty
  • 66. Where do we come from? What have we achieved already?
  • 67. Independent Mobile Payment Platform E-Mone y Licens e
  • 68. Partners Cashier suppliers & Merchants PSP’s
  • 69. But how are we going to make money??
  • 70. But how are we going to make money?? With a revolutionary business model!
  • 71. C1000 Theo Janssen Burg. M. van veenlaan 12 7545 HN Enschede tel: 053 4310431 fax: 053 4310432 www.c1000.nl
  • 72. C1000 Theo Janssen Burg. M. van veenlaan 12 7545 HN Enschede tel: 053 4310431 fax: 053 4310432 www.c1000.nl This transaction costs 21 cents
  • 73. C1000 Theo Janssen Burg. M. van veenlaan 12 7545 HN Enschede tel: 053 4310431 fax: 053 4310432 www.c1000.nl This transaction costs 21 cents But is worth 100x more when digitalized and personalized. Let aside if you can also contact the customer directly
  • 74. TIC-ID
  • 75. TIC-ID Payments
  • 76. TIC-ID Payments Intelligence
  • 77. TIC-ID Payments Intelligence
  • 78. TIC-ID Payments Intelligence
  • 79. TIC-ID Payments Intelligence
  • 80. TIC-ID Payments Intelligence
  • 81. TIC-ID Payments Intelligence
  • 82. TIC-ID Payments Intelligence
  • 83. TIC-ID Payments Intelligence
  • 84. TIC-ID
  • 85. Consumer - will get complete controle over his transactions, information and ID - his (trans)actions, information and ID are worth money - will find all his purchases and transactions in a secure and easy to read environment - determines his own value and his own conditions - is no longer spammed - can share his (trans)actions via Social Media - will find back fun and loyalty in performing (trans)actions TIC-ID
  • 86. Consumer Merchant - will get complete controle over - truly knows his customers his transactions, information and - can communicate directly with ID his customers - his (trans)actions, information - can match his products to a and ID are worth money - will find all his purchases and person or profile (no more spam) transactions in a secure and easy - can involve the entire value to read environment chain in actions and rewards - determines his own value and his - can combine value chains own conditions - will experience the value and - is no longer spammed effect of true loyalty - can share his (trans)actions via Social Media - will find back fun and loyalty in performing (trans)actions TIC-ID
  • 87. Consumer Merchant Information Supplier - will get complete controle over - truly knows his customers his transactions, information and - will benefit from the profits of TIC- - can communicate directly with ID ID and turns his back on the his customers - his (trans)actions, information conventional business model - can match his products to a and ID are worth money - will find all his purchases and person or profile (no more spam) transactions in a secure and easy - can involve the entire value to read environment chain in actions and rewards - determines his own value and his - can combine value chains own conditions - will experience the value and - is no longer spammed effect of true loyalty - can share his (trans)actions via Social Media - will find back fun and loyalty in performing (trans)actions TIC-ID
  • 88. Consumer Merchant Information Supplier - will get complete controle over - truly knows his customers his transactions, information and - will benefit from the profits of TIC- - can communicate directly with ID ID and turns his back on the his customers - his (trans)actions, information conventional business model - can match his products to a and ID are worth money - will find all his purchases and person or profile (no more spam) transactions in a secure and easy - can involve the entire value Marketer to read environment chain in actions and rewards - determines his own value and his - can combine value chains - knows his customers own conditions - knows what his customers are - will experience the value and - is no longer spammed buying (brands, products, etc) effect of true loyalty - knows where and when his - can share his (trans)actions via customers are performing (trans) Social Media actions - will find back fun and loyalty in - and can reach them via a new and performing (trans)actions unique loyalty platform TIC-ID
  • 89. 2 Year Timeline
  • 90. 2 Year Timeline Consumer Merchant Account Account + + ZMAZZ Database Verified TIC-ID 2011 2012 2013 Ontvangen Betalen -Refund - Peer-to-Peer - Point2Cash - Peer-to-POS - Direct Marketing - Peer-to-WEB - Cash4Data - Machtigingen
  • 91. WE ARE ICE BREAKERS
  • 92. WE ARE ICE BREAKERS An icebreaker makes his way through the old frozen system. An icebreaker leads the consumer safely through all these changes. An icebreaker breaks the tension and will make you feel at home.
  • 93. Content
  • 94. Content - Technology and a changing society
  • 95. Content - Technology and a changing society - The future of (mobile) payments
  • 96. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 97. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 98. When was the last time that a brand...
  • 99. When was the last time that a brand... ...surprised you?
  • 100. When was the last time that a brand... ...surprised you? ...exceeded the promise it made you?
  • 101. When was the last time that a brand... ...surprised you? ...exceeded the promise it made you? ...made you smile?
  • 102. When was the last time that a brand... ...surprised you? ...exceeded the promise it made you? ...made you smile? ...with a small but remarkable act?
  • 103. Being remarkable:
  • 104. Being remarkable: ...is not about great copy...
  • 105. Being remarkable: ...is not about great copy... ...is not about fantastic art...
  • 106. Being remarkable: ...is not about great copy... ...is not about fantastic art... ...is not about nifty strategies...
  • 107. Being remarkable: ...is not about great copy... ...is not about fantastic art... ...is not about nifty strategies... ...is also not about state of the art technology...
  • 108. Being remarkable:
  • 109. Being remarkable: ...is only about complete dedication to make a difference in peoples lives
  • 110. Being remarkable is all about:
  • 111. Being remarkable is all about: ...exceeding expectations
  • 112. Being remarkable is all about: ...exceeding expectations ...connecting people with a remarkable story
  • 113. Being remarkable is all about: ...exceeding expectations ...connecting people with a remarkable story ...knowing that people share remarkable things with each other!
  • 114. Content
  • 115. Content - Technology and a changing society
  • 116. Content - Technology and a changing society - The future of (mobile) payments
  • 117. Content - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable
  • 118. Summary
  • 119. Summary - Technology and a changing society
  • 120. Summary - Technology and a changing society - The future of (mobile) payments
  • 121. Summary - Technology and a changing society - The future of (mobile) payments - The importance of being remarkable