Get Ahead with the Next Generation of Mobile Banking and Payments
 

Get Ahead with the Next Generation of Mobile Banking and Payments

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Discover how banks and mobile network operators are launching innovative mobile commerce services. Multichannel banking, social payments, and proliferation of contactless technology are changing how ...

Discover how banks and mobile network operators are launching innovative mobile commerce services. Multichannel banking, social payments, and proliferation of contactless technology are changing how people bank and pay. See how the next generation of mobile banking and payment services is impacting us all.
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    Get Ahead with the Next Generation of Mobile Banking and Payments Get Ahead with the Next Generation of Mobile Banking and Payments Presentation Transcript

    • Get Ahead with the Next Generation of MobileBanking and PaymentsDavor Ebling
    • US$100s of billions Global middle class are being transacted growing from 2 billion on mobile to 5 billion by 2030 15 billion connected More data in devices last 5 years than by 2013 entire history of mankind 1 billion people More mobile devicesengaged in social than people networks Unprecedented empowerment of people We’re living in a world of change.
    • Mobile wallet Developed Markets Emerging MarketsSolution: Mobile wallet/mobile payments Solution: Mobile wallet/mobile moneyConcept: Wallet that is a like a pocket that Concept: Wallet with cash. An SVA holdsholds multiple payment instruments. e-money value.Mobile wallet offers additional services: Wallet is topped up by cash-in at agent orloyalty, couponing, offers, promotions, kiosk. Cash can be withdrawn at an agentrecommendations, vouchers, gift cards, or ATM.stored value account (SVA), locationsbased, and so on. © 2012 SAP AG. All rights reserved. Public 3
    • Dutch Bangla Bank – BangladeshAcquire new customers  Bangladesh – 160 million population, 13% banked, 45% mobile users  Branch-initiated services – agent registration, cash-in/cash-out  Agent-initiated services – customer registration, cash-in/cash-out  Customer-initiated services – balance, person to person (P2P)  Head office–initiated services – disbursements  Across telcos – Citycell and Banglalink using SMS, IVR, and USSD© 2012 SAP AG. All rights reserved. Public 4
    • Qtel Mobile Money – enables a transaction channelFinancial services like remittance and P2P now available to underbanked and unbanked from any phone using USSD Qtel Mobile Money service USSD-based service  In collaboration with Qatar National Bank Services Services  Cash-in/cash-out  P2P transfers among Qtel subscribers  Hala prepaid top-up – International remittance to the Philippines and Pakistan Other services  Cash in at self-service machines  Merchant payments  Services for business – for example, salary disbursements© 2012 SAP AG. All rights reserved. Public 5
    • paybox AUSTRIANational payment system across A1, Orange, T-Mobile, and tele.ring – postpaid customers, direct billed to bank accounts orcarrier bill: 700,000 active users, 5.5 million mobile payments (early 2010) Pay with phone number Services across 6,000 merchants  Vending  Books  Eating and drinking  Sending money  Train and bus ticketing  Parking  Prepaid recharge  Cinema and event ticketing  Lotto and betting  Donations  Online merchants  Payments  Paying with phone  Paying securely on the Web  Billed to operator bill or bank account or prepaid cards© 2012 SAP AG. All rights reserved. Public 6
    • Evolving Mobile CommerceServices
    • The transforming world of mobility: converging services Image from: http://www.studie-life.de/en/life-reports/smart-payments/© 2012 SAP AG. All rights reserved. Public 8
    • Mobile success requires more than just a payment transport mechanism:supporting capabilities need to be in place Registration Self-care Customer care Earn, redeem, track points, pull, pushManage accounts, loyalty cards, plan info, coupons, integrated rewards programs,scan, snap search, browse, real-time individualized offerscompare, get info Segmentation, behavior analysis, recommendations Wallet based, barcode based, NFC Top-up, P2P, remittance, bill payment, virtual cards, SVA, disbursements, parking, ticketing, vending lotto, returns, exchange merchant-funded offers Loyalty Coupons and promotions Payment networks Inventory Point-of-sale© 2012 SAP AG. All rights reserved. Public 9
    • A global footprint of deployments Russia Canada Germany Poland Austria Albania United States Spain China Pakistan Qatar Mexico Barbados Egypt Bangladesh Dominican Kuwait Hong Kong Guatemala Republic Nigeria Singapore Kenya Malaysia Peru Indonesia Chile South Africa Argentina© 2012 SAP AG. All rights reserved. Public 10
    • Other developmentsSocial integration Device capabilities Posting to social  GPS Payments using social credentials – Fraud detection Social channels as customer – Payment verification outreach  Camera – Photo receipts – Marketing/QR codes – New product enrollment/cross-sell  Speech recognition – Authentication Richer UIs – Transaction  Personalization  Video  “Zoomable” interactions  Rich visuals  Augmented reality© 2012 SAP AG. All rights reserved. Public 11
    • Thank you!Join us in a world-changing journey
    • © 2012 SAP AG. All rights reserved.No part of this publication may be reproduced or transmitted in any form or for any purpose without the express Google App Engine, Google Apps, Google Checkout, Google Data API, Google Maps, Google Mobile Ads,permission of SAP AG. The information contained herein may be changed without prior notice. Google Mobile Updater, Google Mobile, Google Store, Google Sync, Google Updater, Google Voice, Google Mail, Gmail, YouTube, Dalvik and Android are trademarks or registered trademarks of Google Inc.Some software products marketed by SAP AG and its distributors contain proprietary software components ofother software vendors. INTERMEC is a registered trademark of Intermec Technologies Corporation.Microsoft, Windows, Excel, Outlook, PowerPoint, Silverlight, and Visual Studio are registered trademarks of Wi-Fi is a registered trademark of Wi-Fi Alliance.Microsoft Corporation. Bluetooth is a registered trademark of Bluetooth SIG Inc.IBM, DB2, DB2 Universal Database, System i, System i5, System p, System p5, System x, System z, System Motorola is a registered trademark of Motorola Trademark Holdings LLC.z10, z10, z/VM, z/OS, OS/390, zEnterprise, PowerVM, Power Architecture, Power Systems, POWER7,POWER6+, POWER6, POWER, PowerHA, pureScale, PowerPC, BladeCenter, System Storage, Storwize, Computop is a registered trademark of Computop Wirtschaftsinformatik GmbH.XIV, GPFS, HACMP, RETAIN, DB2 Connect, RACF, Redbooks, OS/2, AIX, Intelligent Miner, WebSphere,Tivoli, Informix, and Smarter Planet are trademarks or registered trademarks of IBM Corporation. SAP, R/3, SAP NetWeaver, Duet, PartnerEdge, ByDesign, SAP BusinessObjects Explorer, StreamWork, SAP HANA, and other SAP products and services mentioned herein as well as their respective logos areLinux is the registered trademark of Linus Torvalds in the United States and other countries. trademarks or registered trademarks of SAP AG in Germany and other countries.Adobe, the Adobe logo, Acrobat, PostScript, and Reader are trademarks or registered trademarks of Adobe Business Objects and the Business Objects logo, BusinessObjects, Crystal Reports, Crystal Decisions, WebSystems Incorporated in the United States and other countries. Intelligence, Xcelsius, and other Business Objects products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Business Objects Software Ltd. Business ObjectsOracle and Java are registered trademarks of Oracle and its affiliates. is an SAP company.UNIX, X/Open, OSF/1, and Motif are registered trademarks of the Open Group. Sybase and Adaptive Server, iAnywhere, Sybase 365, SQL Anywhere, and other Sybase products and servicesCitrix, ICA, Program Neighborhood, MetaFrame, WinFrame, VideoFrame, and MultiWin are trademarks or mentioned herein as well as their respective logos are trademarks or registered trademarks of Sybase Inc.registered trademarks of Citrix Systems Inc. Sybase is an SAP company.HTML, XML, XHTML, and W3C are trademarks or registered trademarks of W3C®, World Wide Web Crossgate, m@gic EDDY, B2B 360°, and B2B 360° Services are registered trademarks of Crossgate AGConsortium, Massachusetts Institute of Technology. in Germany and other countries. Crossgate is an SAP company.Apple, App Store, iBooks, iPad, iPhone, iPhoto, iPod, iTunes, Multi-Touch, Objective-C, Retina, Safari, Siri, All other product and service names mentioned are the trademarks of their respective companies. Dataand Xcode are trademarks or registered trademarks of Apple Inc. contained in this document serves informational purposes only. National product specifications may vary.IOS is a registered trademark of Cisco Systems Inc. The information in this document is proprietary to SAP. No part of this document may be reproduced, copied, or transmitted in any form or for any purpose without the express prior written permission of SAP AG.RIM, BlackBerry, BBM, BlackBerry Curve, BlackBerry Bold, BlackBerry Pearl, BlackBerry Torch, BlackBerryStorm, BlackBerry Storm2, BlackBerry PlayBook, and BlackBerry App World are trademarks or registeredtrademarks of Research in Motion Limited. © 2012 SAP AG. All rights reserved. Public 13