Mobile Payments and Mobile Commerce

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Mobile Payments and Mobile Commerce
# Market overview
# Competitive landscape
# Region analysis
# Value chain

As of September 2012

Sources: Gartner, Euromonitor, Mashable, Arthur D. Little, mobilepaymentstoday.com, Sapient Nitro, internetretailer.com, deltapartnersgroup.com, paymentobserver.com

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  • http://www.slideshare.net/sapient/future-of-money-infographic
  • http://www.gartner.com/it/page.jsp?id=2028315Forecast: Mobile Payments, Worldwide, 2008-2015 (Published: 12 May 2011) Gartner defines mobile payments as transactions conducted using a mobile device and payment instruments that include: Bank instruments, such as cash, bank accounts or debit/credit cards Prepaid accounts, such as transport cards, gift cards, PayPal accounts or mobile wallets. And which exclude transactions that use: Carrier billing using the telco's billing system and existing prepaid or postpaid mobile phone accounts. Telebanking in which a mobile phone is used to call the service center via an interactive voice response (IVR) system. The exception is an IVR system used in combination with other mobile channels such as Short Message Service (SMS) or Unstructured Supplementary Service Data (USSD) for enhanced security. We have excluded carrier billing because it doesn't have the sophisticated risk management and fraud prevention mechanisms needed to handle large numbers of financial transactions. Prepaid accounts are included because alternative payment methods are playing an increasing role in consumer's daily transactions, and have sufficient security features built in to ensure secure transactions. We acknowledge that some of these transactions, such as transport ticketing, are not defined as payments by banks, as they are conducted offline by drawing on a prepaid account, but they are included in our definition. As for media tablets, we split payments into those carried out using mobile clients (which are counted as mobile payments because they provide a mobile experience) and those done via a browser (which are excluded from the scope of mobile payments because they have a very similar user experience to PC-based online payment).
  • Tablet and Money tansfer not included
  • Mobile phone, smartphone, internet penetration, e-commerce
  • http://www.slideshare.net/sapient/future-of-money-infographic
  • http://www.deltapartnersgroup.com/blog/archives/490
  • Source: OVUM
  • http://www.deltapartnersgroup.com/blog/archives/490
  • Source: EuroMonitor – Passport The Mobile Wallet: Global Opportunities and Challenges of Making M-Payment Mainstream (July 2012)
  • Competitor: NL http://www.adyen.com/contact-us
  • http://www.paymentobserver.com/tag/square
  • Mobile Payments and Mobile Commerce

    1. 1. Mobile Payments & Commerce September 2012 @ogillin
    2. 2. Agenda• Market overview• Competitive landscape• Region analysis• Value chain
    3. 3. Mobile Payment Transactions Value by Region 700 Latin America 600 500 EMEA* 42% Billion US$ 400 CAGR Asia/ 300 Pacific 200 North America 100 Western 0 Europe 2011 2012 2016Gartner (May 2012) *EMEA without West EU
    4. 4. Top countries in M-Payments 2011 - 2016 30 100 Billion US$ 90 25 80 % CAGR 2011 - 2016 70 20 60 15 50 40 10 30 6.4 20 5 1.0 1.8 10 0.4 0.1 0.0 0 0 USA Japan France Philippines China India Germany Norway UK ES NL BEEuromonitor.com, July 2012, Tablet traffic and Money Transfer transactions not included
    5. 5. Forecast assumptions West EU US Africa/SEA Web/WAP Web/WAP SMS Technology 80% 88% E-commerce E-commerce Money Transfer Main usage (eBay, A9, Apple) In-store purchase & Airtime Top-Ups In-store purchase (Starbucks, etc.) Ticketing Merchandise $53 $43 $10/$20 Money trans. $93 $80 $68/$60 East-EU fastest growth Africa top in Value Comment in user but small base APAC top # users Still fragmented for the next 2 years Opportunities for regional players to meet local requirements NFC to max 10% of transactions by 2015 and pick up in 2016 NFC requires change in behavior and multiple stakeholdersSource: Gartner (May 2011)
    6. 6. M-Commerce Overview M-Commerce (Est.) 300 250 200 West EU (+17%) Billion US$ CAGR 27% North America (+78%) 150 MEA (+8%) LATAM (+38%) 100 East EU (+12%) 50 APAC (+1%) 0 2011 2016Euromonitor.com, July 2012, Tablet and Money transfer not included
    7. 7. M-Commerce by Region APAC West EU North America90 40 16080 Denmark Canada 35 140 Spain70 China Norway 30 120 India60 Germany Philippin 25 United 100 es Kingdom50 20 8040 USA 15 6030 France Japan 10 402010 5 20 0 0 0 2011 2016 2011 2016 2011 2016Euromonitor.com, July 2012, Tablet and Money transfer not included
    8. 8. Factors of market growth
    9. 9. Source: Sapient Nitro (May 2012)
    10. 10. US/world Fast moving Competitive landscape Business ConsumersPayor / A Party Transaction Issuers Online Content P2P Services NetworksService / Players Acquirers/ Processors POS Payee/ B party Government F2F retailers e- / m- retailers Consumers Enterprise
    11. 11. EU Fast moving Competitive landscape Business ConsumersPayor / A Party Transaction Issuers Online Content P2P Services NetworksService / Players Acquirers/ Processors POS Payee/ B party Quick Tap Government F2F retailers e- / m- retailers Consumers Enterprise Top 400 EU e-retailer: http://www.internetretailer.com/europe400/list/
    12. 12. Square disruption with Mobile POS $100 $97.4 Principal Transferred $1.9 Card issuer $0.2 Network $0.5 Acquirer deltapartnersgroup.com
    13. 13. The value is in the services and customer data Account control Service/user (sign interface on, identity, custo mer data) Google Google Devices Advertising &Google Nexus S Promotions smartphone Google Offers Google ShopperCard acceptance Payment Bearer/ Trusted Service network instruments connection tech. Manager Citi Mastercard Sprint, Google Mastercard Google prepaid (via NFC enabled First Data Paypass card Nexus S)
    14. 14. Where Do you want to be? http://www.deltapartnersgroup.com/blog/archives/490
    15. 15. Appendix
    16. 16. Electronic payment value chainLow margins in Processing / Acceptance areas Typical payments value chain and margins 1. Issuance 1 2 Processing / Acceptance 2. 3 Acquiring 3. Payment Payment Merchant Gateway Merchant Instrument Settle Process Process / POS Acquire IssuanceOnline 1.1% 0.9%F2F 1.1% 0.40% 0.5% Closed Model like Amex 2.00%Mobilewallet 0.8% 0.8% 0.40% • Associate • Third Party Processors (TPP) focus • Bank focus focus - own • Processing requires high volumes to be profitable – regulation customer • Acquiring merchant accounts directly builds scale generally relationship • Gateway / POS an important aspect of building stipulates merchant relationships quickly must be a bank
    17. 17. http://8.mshcdn.com/wp-content/uploads/2011/07/GLG_Goodbye_Wallets_FINAL-L_1841.png
    18. 18. Top countries in M-Payments 160 100 90 140 % CAGR 2011 - 2016 80 120 70 Billion US$ 100 60 80 50 40 60 30 40 20 20 10 0 0 USA Japan France Philippines China India Germany Argentina Norway United Brazil Spain Kingdom 2016 M-commerce % CAGR 2011-2016Euromonitor.com, July 2012, Tablet traffic and Money Transfer transactions not included
    19. 19. Initiatives in various countries
    20. 20. Mobile POS: Square, Izettle, Intuit+ US Verifone SAIL, US TapPay & TapWallet + NL GlobalCollect’s BOKU (Phone # + SMS)+ DE Rocket Internet payelen + UK Sage Pay, Mpowa+ DE Wirecard w/ Deutsche Telekom + IE BoxPay for carrier billing+ DE StreetPay w/ E-Plus paymentobserver.com +…
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