Google mobile and money

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The presentation I shared at the Google Loves Mobile event on Financial Services in London

The presentation I shared at the Google Loves Mobile event on Financial Services in London

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  • SMS‐based money transfer system that allows individuals to deposit, send, and withdraw funds using their cell phone.
  • http://www.nearfieldcommunicationsworld.com/2011/02/14/35993/airtel-africa-to-launch-nfc-services-in-fifteen-african-countries/ http://www.sierraexpressmedia.com/archives/19077 http://www.telecompaper.com/news/airtel-mastercard-launch-mobile-payments-card-in-africa
  • http://newsroom.accenture.com/article_display.cfm?article_id=5145

Transcript

  • 1. A look at Mobile & Money around the world
  • 2. The Holy Grail
  • 3. New technology doesn’t always deliver on its promises…..
  • 4. Adoption is driven by web familiarity
  • 5. “ ..the future is already here. It's just not very evenly distributed”
  • 6. "Osaifu-Keitai" (mobile phones with wallet functions) Over 35 million users in Japan
  • 7. 10 million Japanese mobile users made a mobile purchase in December
  • 8. DOCOMO customers can send 20000 yen by phone
  • 9. Big in Korea, too
    • 10 million users
    • $100bn in mobile finance transactions
    • 200% increase
  • 10. THIS IS THE MOST SUCCESFUL BANK IN KENYA
  • 11. M-PESA in Kenya
  • 12. 35% OF POPULATION 81% of SAFARICOM CUSTOMERS MONTHLY VOLUME = 25% of GDP
  • 13. Airtel Africa
    • NFC
    • Airtel Africa to launch NFC services in fifteen African countries beginning 2011
    • Mobile Wallet
    • Airtel Africa, Standard Chartered Bank and MasterCard Worldwide to launch one of the world's first virtual card that operates off a wallet residing on a mobile phone
    • “ Airtel 1time Shopping Card”: Subscribers to make payments across the MasterCard network
    • Simplified online transaction: Airtel customer shop online and will be able to request a shopping card number. Airtel money services generate a 16-digit number that enables the completion of the transaction. On completion a confirmation message is sent to the handset.
  • 14. Nokia Money NOW LIVE IN INDIA
  • 15. Sparkasse (Germany)
    • Mobile website (incl. mobile banking)
    • iPhone app: 0,79 EUR, 4 Stars
    • iPad Version: 1,59 EUR, 4 Stars
    • Apps work not only with Sparkasse but with most (German) banks
  • 16. Rabobank (Netherlands)
    • Mobile Banking app
    • Includes demo to try the app out even without login
    • Very detailed view of transactions
    • Direct dial for customer service
    • “ Pay via SMS” app
    • Send money to a mobile number
  • 17. Rabobank (Netherlands) + mobile website (incl. full mobile banking functions) But no automatic redirection;
  • 18.  
  • 19.  
  • 20.  
  • 21. 300% ROI
  • 22. Future, Now
  • 23. What is a bank in the mobile age?
    • China Mobile paid $5.8 billion for 20% of Shanghai Pudong Development Bank.
    • Japan's NTT DoCoMo paid nearly 100 billion yen ($1.1 billion) for stakes in Sumitomo Mitsui Card Co and UC Card Co
    • SK Telecom set up a mobile payment JV with Citigroup in 2008, & bought 49% of Hana Financial Group's credit card unit for $343 million.
    • South Korea's No. 2 mobile firm and dominant fixed-line operator, KT Corp, is also buying shares in BC Card, a credit card processing company.
  • 24.  
  • 25. Square
  • 26. Square
  • 27.  
  • 28. Visa Mobile for iCarte
  • 29. Bling Tag
  • 30. Bump to transfer via Paypal
  • 31. VeriFone
    • PAYware, which turns an ordinary iPod Touch into a secure, mobile POS terminal
    • NFC-based tap-and-pay solution that lets shoppers pay for goods with their cell phones
  • 32. NFC http://www.engadget.com/2011/02/15/deutsche-telekom-rolling-out-nfc-payments-with-t-mobile-usa-oth/?utm_source=engadget&utm_medium=twitter
  • 33. The Operators fight back
  • 34. The Apple advantage?
  • 35. Mobile is becoming accepted
  • 36. Mobile is becoming accepted
  • 37. TECHNOLOGY IS EMBRACED WHEN IT SOLVES PROBLEMS
  • 38.  
  • 39. WHAT PROBLEMS COULD YOU SOLVE FOR YOUR CUSTOMERS?
  • 40. Where is the nearest ATM that doesn’t charge me?
  • 41. How do I keep track of my expenses?
  • 42. Where does my money go?
  • 43. How can I pay this cheque in ASAP? * Mobile Remote Deposit Check
  • 44. How do I avoid card declines when travelling?
  • 45. Why doesn’t my credit card offer me Groupon type deals?
  • 46. The good start ups are focused on problem solving
  • 47. It’s time to experiment Relevant, Measurable, Scaleable & Mobile First
  • 48. [email_address] @addictivemobile http :/ /www.addictivemobile.com [email_address]