Lobary mobile payment_tendancies_europe_bay_pay_forum_2012_12_10
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Francois Lecomte-Vagniez, associate Partner Lobary. Keynote performed at BayPay Forum in San Francisco, USA, on Dec. 10th 2012. Mobile payment tendencies in Europe.

Francois Lecomte-Vagniez, associate Partner Lobary. Keynote performed at BayPay Forum in San Francisco, USA, on Dec. 10th 2012. Mobile payment tendencies in Europe.

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Lobary mobile payment_tendancies_europe_bay_pay_forum_2012_12_10 Presentation Transcript

  • 1. Leverage smart digital ecosystems Mobile Payment Tendencies in Europe François Lecomte-Vagniez LOBARY  +33 6 81 49 44 94  flecomte@lobary.com @lobary www. lobary.com December 10th, 2012 © Lobary 2012
  • 2. Mobile… What else ? Mobile interactions change (almost) everything in a commercial relation © Lobary 2012. Mobile Payment Tendencies in Europe. 2
  • 3. The mobile big bang Source : Business Insider – The Future of Digital - http://read.bi/Vbludj © Lobary 2012. Mobile Payment Tendencies in Europe. 3
  • 4. Mobile Payment Overview (Gartner Group) © Lobary 2012. Mobile Payment Tendencies in Europe. 4
  • 5. Europe Payment Market• In-shop acquisition (Visa/MC) – Visa/MC & national schemes – CHIP and PIN – Offline/Online author. – Contactless debit card (by 2015)• Remote payment – Payment card number – OneClick trusted services Europe market• Micro payment – SEPA1 - 32 countries – Appstores : Apple & Android – MNO’s invoice debit. Ex. : SMS+ – 300 M consumers 1 SEPA : Single European Payment Area © Lobary 2012. Mobile Payment Tendencies in Europe. 5
  • 6. Some Europe Mobile Payment Projects © Lobary 2012. Mobile Payment Tendencies in Europe. 6
  • 7. Mobile Payment : Outdoor experience Store-Value Platform Or Direct debit Ex. : Parking fee (MNO invoice) © Lobary 2012. Mobile Payment Tendencies in Europe. 7
  • 8. Mobile Payment : in-shop experience Online transactionEMV Scheme Online/Offline transaction © Lobary 2012. Mobile Payment Tendencies in Europe. 8
  • 9. Mobile Payment : Anywhere Mobile Point-Of-Sales Person to Person © Lobary 2012. Mobile Payment Tendencies in Europe. 9
  • 10. 2 main tendencies in Europe Mobile Payment PAYMENT : Convergences Web to Physical Commerce – Web to Shop : Buy online, carry offline – Shop to Web : Showroom offline, purchase online. + MARKETING : Customer’s data monetization – Opt-in loyalty program – Winning instants – best deals at the right time – Social community shares = MORE VALUE FOR MOBILE PAYMENT USERS © Lobary 2012. Mobile Payment Tendencies in Europe. 10
  • 11. Customer’s mobile payment balanceConvenience Security © Lobary 2012. Mobile Payment Tendencies in Europe. 11
  • 12. SoLoMo Get Catchcustomer’s attention the winning instant Deliver Be trusted the promise like a friend © Lobary 2012. Mobile Payment Tendencies in Europe. 12
  • 13. In a nutshell• Mobile payment to become commodity for european users – Simple, convenient and secured enough – Seamless bilateral processes between eCommerce and physical shops• Some uncertainty remaining on market standards – Massive deployments of mobile payment services. – Will the NFC promise be delivered ?• Digital proximity experiences change user’s paradigms – Seamless usability on the web and in close-loop. – Value delivered to consumers unlocks results.  Europe offers fantastic business opportunities Winning rhymes with customers massive adoption © Lobary 2012. Mobile Payment Tendencies in Europe. 13
  • 14. Thank youFrançois Lecomte-Vagniez LOBARY SARL  +33.6.81.49.44.94 @lobary  flecomte@lobary.com www. lobary.com
  • 15. Leverage smart digital ecosystems• Lobary value proposal  Improving customer’s experience for adverts, in-shop, travels, check-in...  Leveraging smart digital opportunities for your business.• Smart Digital value delivered 1. Tune your vision  Prospective, market opportunities, use-cases. 2. Set-up your strategy to go  Go-to-Market, business case, turn-key solutions, ROI’s. 3. Run into ecosystems  Quick-wins, local opportunities, partnership work. © Lobary 2012. Mobile Payment Tendencies in Europe. 15
  • 16. LOBARY is editorial partnerand PC Chair of the NFC WC