Belgacom vision mobile payment applications

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During mobilemonday.be session 8/6/2012

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Belgacom vision mobile payment applications

  1. 1. Mobile Payments ApplicationJune 2012
  2. 2. Mobile Payments – Mobile WalletType here level of Sensitivity : "Unrestricted", "Internal Use Only" or "Confidential" 24/06/2012 Slide 2
  3. 3. Mobile Payments: Technology track ...(NFC) Phones:• NFC capable phones are slowly entering the market but: • So far only available on the high-end models. • Non NFC alternatives available at lower price. • Conclusion: mass market penetration is not a short term given.• Smart phone penetration however is gaining considerable proportions: • Low installed base • 35% of new sales • Handset life cycle of 1.5-2 yearsNFC SIM:• No clear specifications available yet.• Complex selection and certification process. • Need OTA platform. • TSM selection. • Setup of processes and proceduresApplications:• Exponential growth of mobile applications and downloads: • iTunes: March 2012: 550k applications, 25mio downloads. • Market: Feb 2012: 450k applications, 10mio downloads.• Adoption of new services is driven by availability of applications. Slide 3
  4. 4. Mobile Payments: Our long term vision.• Launch a mobile hybrid wallet. • Combination SIM- and cloud based elements to build the wallet. • Option for SIM renting to partners.•Secure element on SIM: • Build a strong position in the domain of mobile wallet. • Business potential on SIM hosting. • SIM is a unique identifier. • No need for additional identification process at role-out. • Easier handset swap. • Co-existence of multiple applications is possible through the different secured domains.• International benchmark shows NFC will be the future technology for contactless payments. • Align with (de facto) NFC payment standards (Paypass – MasterCard, Paywave – VISA)? • EMV compliance. • Intermediate solution with NFC tags is possible (market education).• High value payments could be part of the mobile wallet payment experience . • Support of multiple payment schemes could be included (MC, VISA, BC/MC...). • Micro payment from wallet (PingPing scheme) – macro payment using other schemes.• Standardization effort to be realized on: • NFC implementation (e.g. Protocol, handset integration, ...) • SIM “hostelling” and key management Slide 4
  5. 5. Elements on the SIM card.Type here level of Sensitivity : "Unrestricted", "Internal Use Only" or "Confidential" 24/06/2012 Slide 5
  6. 6. Any further questions? robert.heyvaert@belgacom.beType here level of Sensitivity : "Unrestricted", "Internal Use Only" or "Confidential" 24/06/2012 Slide 6

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