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Optism Alcatel-Lucent Anthony Belpaire Mobile Payments Conference Presentation
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Optism Alcatel-Lucent Anthony Belpaire Mobile Payments Conference Presentation

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Anthony Belpaire Optism Alcatel-Lucent speaking at the Mobile Payments Conference in Brussels. This conference is a joint organization by LSEC in collaboration with Agoria ICT, Agoria Banking Club, …

Anthony Belpaire Optism Alcatel-Lucent speaking at the Mobile Payments Conference in Brussels. This conference is a joint organization by LSEC in collaboration with Agoria ICT, Agoria Banking Club, Mobile Mondays Brussels and the European Security Innovation Network. Agoria is a Belgian federation of technology companies, representing in this case both ICT and Banking services. LSEC is an association of information security companies. LSEC has been organizing over the last couple of years over 100 highly professional information security oriented activities. Mobile Monday Brussels brings together developers, manufacturers and services organizations in the domain of mobile applications.

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  • 1. 12/10/2012Mobile payments go well beyond payments…October 2012Anthony Belpaire COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTIONAlcatel-Lucent mCommerce Alcatel-Lucent mCommerce Solution 360 Marketing & Wallet solution based on subscriber consent and OPTISM™ preferences offering advertisers and merchants easy access to a willing MOBILE MARKETING & and targeted audience for ads, coupons and offers. WALLET •The solution offers SaaS revenue sharing model, go-to-market support, audience acquisition & management and campaign tools Selected by Working with Most Connected major Average successful major MNOs: #1 in to 157 brands, response rates campaign: Vodafone, permission retailers & of 20-25% 55% response million subs agencies rate Orange & marketing Etisalat COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 1
  • 2. 12/10/2012Setting Market context Developed Markets Convenience Subscriber asset Banked Context (LBS), Call Center, Billing, SIM- SE, Device Management Remittance, Bill payment Savings, Microlending Underbanked Distribution and Remittance Subscriber assets Unbanked Emerging Markets Convenience (mobile account linked Mobile Money for underbanked to existing payment card) and value Closed loop SVA (mPesa, ..) Added services (cfr Google Wallet,..) COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION Do mobile payments provide sufficient value for consumer & merchants?If mobile payments means, adding MORE players in the value chain…WHO will carry the cost? COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 2
  • 3. 12/10/2012Can mobile disrupt the traditional payment chain… Payment Scheme Consumer Consumer Merchant Acquirer ISSUER (VISA, MC) 1 98% 0.5% 0,01% 1,5% 100% Card Issuer Monetization / VAS • Card Linked Offers • Loyalty (mileage), virtual credits • Shop alerts Various carriers issuing co-branded credit/prepaid for access to issuing data and card linked offers COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTIONToday’s Example: mobile check-outs (SecureVaults) Mobile Check-Out - SecureVaults (Cloud) •User registeres his payment credentials at Cloud based SecureVault provider •Mobile App passes a ‘Token’ to Merchant (v)POS -ZERO ‘interchange’ fee to merchant 1,8% merchant fee -Subsidizes the transaction -Merchants get a campaign tool for deal uploads, so Groupon increases deal inventory -Loyalty and Offers to compensate -Captures purchase data of consumer -Captures purchase data of consumer Vault Vault Payment AcquirerConsumer Merchant Scheme (VISA, ISSUER Consumer Token Provider of Vault MC) Receives98% 100% 0.5% 0,01% 1,5% 100% Pays 100% COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 3
  • 4. 12/10/2012 Today’s Example: ‘Proxy’ Accounts (Cloud/NFC) Proxy Account (Cloud&NFC) •User registers his payment credentials at Wallet Provider •Wallet Provider associates a ‘Proxy’ card (eg Paypass debit) with the Wallet account •Wallet Providers associates the consumers’s opted payment card with the Proxy Card •Merchants sees ‘proxy card’, user sees Google as ‘merchant’ on his registered payment card •Funding of payment by Google in return for -Capturing of on/ and off-line purchase data leading to Google Account profile enhancements -Enhanced Off-line conversion a killer app for advertisers -From display (CPM/CPC), to clipping of coupons (CPA) in Wallet, to Redemption (CPS) COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION(2) Today’s Example: Google Wallet 1 Proxy Acquirer Proxy Account Consumer Merchant Issuer Wallet (Rails) 100%- 0,20USD 0,20 USD Receives 98% 2 Pays 100% Payment Scheme Consumer Acquirer Issuer (MC) 1 DISRUPTIVE 0.5% 0,01% 1,5% 100% 1 2 • Google captures purchase info • Original Issuer only sees Google Google receives 98%, but needs to pay as Merchant Merchant 100% COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 4
  • 5. 12/10/2012Today’s Example: Vikingspots – MVNO Mobile Vikings COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION Today’s example: O2 UK enhancing and monetizing consumer data Age, Gender, location Explicit preferencesARPUProfile info Preferred events • BehaviorHandset infoBrowsing info - (Micro)-LocationBilling details - Consumption behaviorAddress - Browsing/search behavior • Profile Preferred content • Explicit preferences Consumption data Recent card payments Consumption data Recent card payments O2 UK: full offer centered around customer data Information under NDA 10 COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. All Rights Reserved © Alcatel-Lucent 2012 ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 5
  • 6. 12/10/2012 Mobile Payments need to be more then payments• mCommerce Consumer- and merchant adoption will require value added services beyond payment - Consumer seeks highly relevant and non intrusive (upon consent) content/services (coupons, deals, recommendations..) - Merchants seek point of influence during the commerce journey of the consumer to drive traffic, sales activation or loyalty Information under NDA 11 COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. All Rights Reserved © Alcatel-Lucent 2012 ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION Optism™ Mobile Wallet Vision •bridging on/offline • One User Experience aggregating • Contextual and Personalized promotions • Loyalty programs • Prepaid money • Payment cards.. •User in control • Permission based: Opt-In • Self service Profile & Interests •Relevance - More then card virtualization but new experience to engage with consumer All Rights Reserved © Alcatel-Lucent 2012 COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. 12 ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 6
  • 7. 12/10/2012 Optism™ mCommerce Business Architecture Consumer Mobile WalletService Providers MNO role Optism Mobile Marketing add, coupon, offer  Permission Marketing Banks  Targeting Engine  Campaign & inventory Wallet management Existing and new  Analytics & reporting Acquiring schemes Retailers  Multi Store value TSM account  TSM (partner) Enabling virtual Cards inlc prepaid Brands COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION Optism™ 360Commerce - inventory flow Reporting Analytics Reporting Dashboard Opt-in mgt Audience mgt OPT-IN base MNO consumers Mobile App Ad Interaction Aggregated Web Deal purchase DEALS & Targeting Coupon clipping Retailers COUPONS Profile Coupon redemption Preferences Merchant dashboard Location Behavior MNO loyalty ADS rewards Brands Media Seller Media Seller Dashboard Messaging (SMS, MMS) Agencies Dialogue campaigns In-App notification E-mail COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 7
  • 8. 12/10/2012MNOs target combination of mCommerce services Rent SIM space Monthly fee per payment app NFC SIM rental Per ticket fee for transport/events JVs Transaction fees Revenue on float Opex reduction on airtime top-up e-wallet Churn reduction Consumer subscription fees E-wallet display ad fees JVs Mobile Context Based campaigns Markting Coupon redemption fees Analytics & ReportingMNOs moving to full functionality Commerce offer Information under NDA 15 COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. All Rights Reserved © Alcatel-Lucent 2012 ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION COPYRIGHT © 2011 ALCATEL-LUCENT. ALL RIGHTS RESERVED. ALCATEL-LUCENT — CONFIDENTIAL — SOLELY FOR AUTHORIZED PERSONS HAVING A NEED TO KNOW — PROPRIETARY — USE PURSUANT TO COMPANY INSTRUCTION 8