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Mobile Convention Brussels - Ainsley Ward - Clear2Pay
 

Mobile Convention Brussels - Ainsley Ward - Clear2Pay

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Presentation of Ainsley Ward - Clear2Pay at Mobile Convention Brussels - 5th of November 2013 - Living Tomorrow

Presentation of Ainsley Ward - Clear2Pay at Mobile Convention Brussels - 5th of November 2013 - Living Tomorrow

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    Mobile Convention Brussels - Ainsley Ward - Clear2Pay Mobile Convention Brussels - Ainsley Ward - Clear2Pay Presentation Transcript

    • Monetising Mobile Payments Or why banks are REALLY worried about mobile payments Clarity in Payments © 2013
    • This is where it began… Clarity in Payments ©2013 www.clear2pay.com 2
    • Mobile Players were naïve when entering the payments market Clarity in Payments ©2013 www.clear2pay.com 3
    • The transactional pie is much smaller than they thought Clarity in Payments ©2013 www.clear2pay.com 4
    • How the pie is split for a €100 transaction 0,9% I/C 6,4¢ Trx fee 0,6% Mark-up 2,2% MSC 0,65% Scheme Fee €0,90 €0,064 €0,60 €2,20 €0,65 Cost Revenue Pays: • Annual card fee • Usage fees Pays: Pays: • Program costs • Not applicable • Scheme membership • Transaction + scheme fees • Internal cost Pays: • Card scheme fee applicable • Interchange fee • Merchant recruitment costs and support Pays: • Merchant Service Charge • Terminal costs • Setup costs Pays: • Marketing support for members • Network infrastructure Gets: • Cardholder benefits Gets: • Interchange revenue • Cardholder card fee • Interest revenue Gets: • Acquirer markup • Margin on terminals • Set up and certification fees • Value added services Gets: • Acceptance of additional payment methods Gets: • Scheme fees • Processing fees • VAS fees Clarity in Payments ©2013 Gets: • Setup and usage (transaction/volume) fees • Maintenance fee www.clear2pay.com 5
    • Recently Banks have lost touch with their customers… Clarity in Payments ©2013 www.clear2pay.com 6
    • And were scared of others getting intimate with their customers Clarity in Payments ©2013 www.clear2pay.com 7
    • However, in the Universe of payments, PayPal is Uranus Global Card Transactions US$30 trillion PayPal US$60billion Clarity in Payments ©2013 VISA US$4 trillion www.clear2pay.com 8
    • The burden of regulation stops new players from growing Clarity in Payments ©2013 www.clear2pay.com 9
    • All of which creates an unfavourable environment for mobile payments Clarity in Payments ©2013 www.clear2pay.com 10
    • The key is to ‘forget’ transaction revenues and focus on information Clarity in Payments ©2013 www.clear2pay.com 11
    • Banks are ill-equipped to meet this challenge Clarity in Payments ©2013 www.clear2pay.com 12
    • Clarity in Payments ©2013 www.clear2pay.com 13
    • EMEA – Headquarters Brussels, Belgium info@clear2pay.com APAC Sydney, Australia info.apac@clear2pay.com Americas Atlanta, USA info.americas@clear2pay.com www.clear2pay.com Clarity in Payments © 2013