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mCommerce is hot right now People are saying that mCommerce is where eCommerce was 10 years ago. 1999 2007 Source: US census But if you look at the numbers…
The market is bigger. There are already 3 billion devices in the market today that can funnel mCommerce transactions, and mCommerce adoption is running 5X faster than eCommerce
% of Phone Market *Smart phones #Google’s Android platform is open source. Samsung, Motorola and LG all have Android phones ^ From Joel West, San Jose State University Smartphone Platform Competition slideshow
Smartphone as % of market Source: Joel West, San Jose State University
mCommerce “…to exceed 1 Billion users and $1 Trillion in transactions by 2014” * *Source: IE Market Research 3Q 2010
Who will win which piece of the pie? Overall Commerce eCommerce mCommerce 2015 & beyond eCommerce 2010 Commerce pie is finiteand it is shifting… eCommerce 2000 mCommerce 2010 1997 *Source: IE Market Research 3Q 2010
Mobile Phone Market Summary Smart phones are only 23% of market today, but growing Mobile devices far outnumber computers as access points to internet / data / money transfers Multiple OS’s (iPhone, Blackberry, Android, Windows 7) that are incompatible vs. computers (Mac, Windows, Linux)
What is mCommerce? Moving payment and transaction data securely using a mobile device. Mobile Merchants Extended Workforce E-Tailers Use their phone to accept Credit Cards Access company’s systems on a mobile phone Put their storefront securely on their customer’s phone
Why hasn’t it taken off in the US? According to Forrester Research the largest barriers for use are:
Credit Card Security Concerns Most mCommerce solutions go through a mobile browser. Offer gets sms’d to the user’s phone and launches a mobile page for a web browser Anyone can use it, no authentication PCI-DSS, PA-DSS compliance issues Keyed entry vs. swiped
Fear of ‘klunky’ user experience Consider e-Mail How many people do you know that use e-mail in their phone’s browser? Too painful Scroll too much to read Wrong for theform factor Instead they use an e-mail client. Yahoo, G-mail, AOL all have applications for their user’s cell phones
Partner with Ingenico and ROAM Data to provide a mobile platform that best fits your growing needs
What is Ingenico ROAM? Partnership between Ingenico and ROAM Data, the leading mobile commerce services provider in the U.S. Goes beyond payments with patented technology. Delivering device independent, dynamic apps to virtually any mobile device Fully hosted service, PCI-DSS & PA-DSS Compliant, 1 stop shop Based in Boston, founded in 2005 by seasoned payment and mobile industry experts from MIT and Carnegie Mellon
The future of Mobile Commerce does not go through a browser. Have you ever tried to buy buy something on your phone? UI inconsistent Scrolling to get to fields outside of window Too many pages Need a browser on your phone Limits the # of phones you can reach No off-line mode
ROAM’s award winning, patented and secure Player technology gives it the leg up
Time to Market Advantages ROAM’s mobile Player middleware technology allows write once-run anywhere capabilities. ROAM’s IDE pulls APIs from web-services to quickly create custom applications that run on hundreds of devices. We can deploy faster and enter new markets quicker than our competitors.
Breadth of Devices ROAM’s mobile Player technology allows the same application to run on many different operating systems and hardware configurations. Hundreds of mobile phones on the market today. PC and Mac Virtual Terminal Dedicated POS terminals and devices Encrypted audio swiper fits into audio jack. Not built for one particular form factor.
Service that Follows the User Our product is a service. When a merchant changes phones, the service follows them. ROAM provides all technical support Provisioning the merchant’s devices Certifying new phones in the market ROAM takes care of mobile, soyoucan focus on your payments business
What Ingenico ROAM offers for mCommerce Mobile Merchant Solutions Ingenico ROAM Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go.
****Note opportunity to tap existing merchant base beyond new merchant base. (Existing merchants who want mobile, requires creative marketing.) 27,000,000 4,050,000 ? ?
Based on Merchant Category Code (MCC) MCC is the same as SIC Codes
Target Markets-US 45,000 private detectives 232,000 taxi drivers 308,000 HVAC installers, 54% worked for contractors, 16% self-employed 221,000 artists, 60% self employed 72,000 interior designers 152,000 photographers, 80,000 + self employed 49,000 chiropractors, 44% self employed 170,000 psychologists, 34% self employed 74,000 self employed sales reps 550,000 plumbers , 12% self-employed 695,000 electricians, 9% self-employed 51,000 Home entertainment installers 1.7 million home health aides 122,000 massage therapists 1.2 million landscapers 67,000 pest control workers 1.3 million childcare workers, 299,000 building cleaning workers 261,000 health trainers Total of above: 6,360,000 plus 15,100,000 Direct Sellers in the US (AVON, Mary Kay, Amway, etc) Also target: Any IVR users, Virtual Terminal users, current low volume wireless merchants, Brick and Mortar Merchants for special events * From the US Bureau of Labor and Statistics
Small Business Owners Shorter sales cycle Not as price sensitive Not a lot of cash to invest 27,000,000 of them
ROAMpay is PCI-DSS and PA-DSS certified Application outside of the browser. – allows each phone to be fully authenticated DES3 168 bit double encrypted data transfer In off-line mode, data is encrypted. The only encrypted audio swipe device in the market today. Technology and service model is patented
Customer-centric solution Your merchants can now conduct business where ever they are whenever they want, on the device they want. # of supported devices increases your potential reach into your target markets
ROAM’s got a consistent UI ROAMpay is a dedicated smart client like eMail Its own application Can be played on smart and non-browser enabled phones Same UI and transaction flow no matter the phone or carrier Look and feel can be customized to fit your needs Customer can change phones, and the service stays the same.
Main Menu Key Functions, Select “Credit Sales”
Detailed receipt emailed to merchant and to customer (all data tracked on system)
Off-line capabilities Your clients can also accept credit cards and other business information while in off-line mode Once back in service, the encrypted stored data will be sent to the servers for authorization and processing.
What Ingenico ROAM offers for mCommerce Mobile Merchant Solutions Ingenico ROAM Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go. Mobile Wallet Solutions Allow cardholders to check balance, activities, receive alerts, make payments, and transfer funds on their mobile phone.
Mobile Banking/Mobile Wallet According to Berg Insight, 894 million Mobile Banking users by 2015 In 2010, only 1,000 financial institutions out of 30,000 have a mobile banking application – Mobile Marketing Association Lots of room for growth
What Ingenico ROAM offers for mCommerce Mobile Merchant Solutions Ingenico ROAM Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go. Mobile Wallet Solutions Retail Solutions Allow cardholders to check balance, activities, receive alerts, make payments, and transfer funds on their mobile phone. Smart POS solutions, Contactless Enabled, dynamic updates with apps that can tie systems together
Extended Workforce market Direct Sales companies Government agencies Pollsters Any company with a mobile workforce Apps to not HAVE to be payment related. We can extend CRM, Order Entry, reporting functionality
To Calculate Total: Enter Zip code, Shipping Option, Discounts – if any
What Ingenico ROAM offers for mCommerce Mobile Merchant Solutions Ingenico ROAM Mobile Consumer Solutions Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go. Your mobile storefront and actionable offers to hundreds of phone models your customers carry. Mobile Wallet Solutions Retail Solutions Allow cardholders to check balance, activities, receive alerts, make payments, and transfer funds on their mobile phone. Smart POS solutions, Contactless Enabled, dynamic updates with apps that can tie systems together
E-Tailers Large retailers with web presence E-tail only Current apps Drive purchases to mobile web Drive customers to store ROAM solution can turn mobile into Sales Channel. Capture impulse purchase in fewest clicks, securely, on the device your customers already own. Push marketing capable – send targeted offers, to capture additional revenue.
For Consumers To Buy on their Mobile:Merchants can deliver their mobile storefront and offers to their best customer’s handsets Convenience for Consumers!
Get immediate access to detailed product and pricing information.
ROAMbuy API Examples(PULL usage, “Value of the Day”) 1. PULL-“Value of Day” 2. See Deals/Overstock 3. Buy with Convenience
ROAMbuy API Examples(PUSH Marketing, Target Customers) 1. PUSH Marketing 2. Targeted for Customers 3. Impulse Buy
ROAMbuy API Examples(Buy Instantly or Drive Store Traffic) 1. PULL-“Value of Day” 2. Buy on the Spot 3. Redeem Coupon in store
Beyond Player Apps ROAMplayer middleware gives ROAM clients the reach across hundreds of devices Larger clients also want to invest in using the widgets inherent on certain devices (iPhone, iPad, Android, etc…) Most dedicated apps don’t have full payment and order fulfillment capabilities Many embed their e-commerce site within their app, or link to it from their app. For them we have the ROAMbuy API 53
Partnership You Ingenico ROAM Data Building beyond 2011
Only ROAM Updates Your Apps Easily and Instantly Across All Supported Devices… why be bounded?
ROAM Competitive Advantages & Patented Differentiations Technology Advantages: Device agnostic vs. device specific Dynamic vs. static applications Peripheral capable (voice, card reader, NFC, etc.) Push capable (for enterprise users or cardholders) IDE for rapid Application Development Services Advantages: Full mobile services provider for your end-users Full payment gateway provider , PCI Certified & Secured Services Compatible with other 3rd Party Vendors
Built-In Payments & Other Web Services. 4 2 3 1 Dev & Integration to Legacy Easy: Easy Web Services Integration, Non Invasive, Hosted IDE, Easy & Fast to build, manage, add new applications “Service The End Users”: Provisioning, Rights Mgmt, Fully Hosted Services & Support The Cloud ROAM’s4 Key Breakthroughs, To Deliver Scalable Mobile Commerce Devices Complexity Resolved: Device & Network Agnostic, Secure, Easy to Use! Interactive, Peripheral Enabled, Dynamically Update Your Apps, Push Capable
Device Complexity Solved UI UI UI UI UI ANSI C Library J2SE Android ANSI Objective C J2ME Objective C UI UI J2ME PC/MAC Virtual Terminal Library J2SE Android 59
Integration with Legacy Systems 61 The Cloud Web Service Systems API Subset of API
Built in Payments Our PCI certified payment gateway decrypts the second key and processes the transaction, getting authorization from one of our payment platform partners Our mobile gateway decrypts the first key and sends the single encrypted data to our payment gateway 3DES Key 2 PCI PCI We double encrypt all data as it’s entered on the device Payment Gateway 3DES Key 2 3DES Key 1 3DES Key 1 3DES Key 2 3DES Confirmation of authorization is sent back to the device using 3DES encryption 62