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Ivytalk presents mobile payments

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  • 1. by Mary Jesse @Ivytalk @TheMaryJesse www.ivytalk.com Mobile PaymentsPresented at CETWNovember 7, 2012
  • 2. Mobile Revolution World Wireless Devices (Billions)1210 8 6 4 2 0 2008 2012 2016 Source: ITU
  • 3. =Mobile Payment Revolution Worldwide Mobile Payments (Billions)700600500400300200100 0 2008 2012 2016 Source: Forrester
  • 4. Web 3.0 – The Wireless Internet Web 2.0: 1 Billion connected wired devices Web 3.0: 20 Billion connected wireless devices. Everything wired and digital will become mobile, including payments and commerce. Mobile payments are made from a phone or tablet rather than a PC - digital Mobile now becomes an alternative form of payment for in-person payments - physical
  • 5. Mobile and Money Banking  Banking for those who don’t have banks POS  Small vendors can accept credit cards Payments  Customers can purchase with a phone Loyalty  Your profile in the cloud (loyalty, rewards, etc.)
  • 6. mCurrency Premium SMS  text to pay, charges on mobile phone bill Mobile Billing  Pin/code, charges on mobile phone bill NFC  Touchless payment tied to phone and app Electronic Wallet  Pin/password, payment from bank, cc, etc.
  • 7. Key Mobile PaymentConsiderations Security Ease of Use Availability Brand ValueThere will be more than one winner.
  • 8. ComparisonMobile Premium Mobile NFC WalletPayments SMS Billing (w/o NFC)Ease of Use Simple Simple Simple SimpleSecurity High Medium High Medium/HighAvailability High High Low (2015) HighBrand Low Low High High(Ecosystem)Value Low Low High High(loyalty, etc.)
  • 9. ISIS Mobile Wallet™ Supported by AT&T, T-Mobile and Verizon AmEx, Capital One and Chase -key partners Touchless POS using NFC, Wallet, Card Loyalty, rewards and offers Initial market launch: Salt Lake City and Austin
  • 10. Google Wallet Started as Google Checkout in 2006 Open platform – banks, CC, MO, brands, etc. Touchless POS using NFC, Wallet and Card Mastercard PayPass & Sprint -key partners 5 phones currently listed as supported Loyalty, rewards and offers on SingleTap™
  • 11. PayPal Best established ecommerce payments Not tied to NFC More than 100 Million users Partnership with Softbank in Japan
  • 12. Credit Cards & Banks Mastercard – PayPass POS and Wallet VISA – V.me Wallet CITI – partnered with Google American Express – Serve prepaid Discover – partnered with GoogleThey are all betting on every race to bothstave off losses and realize new markets.
  • 13. Summary Financial transactions are undergoing massive change due to the mobile revolution There will be many winners Social/Local/Mobile/Commerce = SoLoMoCo
  • 14. Question #1 How are mobile payments made secure?
  • 15. Question #2 Can you talk about specific use cases?
  • 16. Question #3 How does signage evolve with mobile?
  • 17. Question #4 What are the challenges?
  • 18. Thank You