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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement
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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobile Banking & Payments – Winning the Battle for Consumer Engagement

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  • 1. Monitise:Mobile Banking & Payments –Winning the Battle for Consumer EngagementPaul Reynolds Conrad Bali, IndonesiaVP Business Development 8-10 October 2012 © 2003 – 2012 Monitise plc. All Rights Reserved.
  • 2. 2The Mobile Money Market 863m NFC-enabled phones forecasted for 2015 3 $1 trillion Global mobile transactions predicted to grow to $1 trillion by 2015 2 2.5bn Currently unbanked m-commerce consumers with no financial access 1 m-payments m-banking 894m 50% 500m 500m people m-banking users of all Visa transactions worldwide to use their predicted in Europe will be on a mobiles as metro & globally by 2015 mobile device by 2020. 4 5 bus tickets by 2015 6 Source 1: Financial Access initiative October 2009 Source 4: Berg Insight, mobiThinking, April 2010 Source 2: Yankee Group June 2011 Source 5: Peter Ayliffe CEO Visa Europe Source 3 : Frost & Sullivan, January 2011 Source 6: Juniper Research July 2011
  • 3. 3 The Challenge - Banks Are Losing Mindshare would prefer to use Paypal 50% over their primary bank as a mobile wallet provider 80% would prefer to use Google over their primary bank as a 30% mobile wallet provider would now consider would prefer to use Apple Paypal for banking over their primary bank as a services if they were 30% mobile wallet provider offered Source: Carlisle and Gallagher/Tower Group-CEB study US consumers 2012 © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.3
  • 4. Convergent CommerceRealising the opportunity for mobilising their businesses, major industry players fromeach ecosystem are migrating services to the middle to capture commerceFinancial Institutions Mobile• Banking/ Alerts • Mobile Prepaid• NFC/ Remote • Remittances• Offers • App Markets• Remittance • NFC/ Private Label • Remote Direct Bill ConvergenceSocial Media and Retail Transportonline advertising Ticketing• Mobile OS • Mobile Checkout• Marketing Apps • NFC/ Proximity• LBS Services • BarCode/ Text Purch • Networking • Offers/ Promotions • Offers • Shopping Apps/ Mobile Web
  • 5. Worst Case Scenario for Banks- Disintermediation Fee Income=$0 Funding Transaction (DD) Interchange $ Transaction Data Purchase Interchange $ Transaction Data Loyalty Purchase Relationship?? Merchant Merchant © 2003 – 2012 Monitise plc. All Rights Reserved.
  • 6. Battleground for consumer engagement There are many brands and industries competing for customers’ mobile attention © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.6
  • 7. Battleground for consumer engagement Underneath is an ‘enabler’ battle ground to provide service to enable mobile money © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.7
  • 8. The ‘enabling’ landscape: Where to start? 8 m-banking enablers m-payment enablers m-commerce enablers Mobile Marketing / Advertising FS Mobile Software Specialists NFC Specialists mWallet Providers Banking System Providers Content Aggregators PSPs Banking & Card Processors Mobile Hardware /Software developers Hardware Manufacturers Adjacent Sector Specialists Adjacent Sector Specialists App Specialists MNO service providers Mobile Messaging Tech. Specialists © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.8
  • 9. Understand your customer mobile needs & wants
  • 10. Product RoadmapDefend bank’s position withcore services Account Transaction Management Alerts Alerts: Balance & Bill Pay Threshold MOBILE Location & MONEY Person to Person Branch Services Payments PLATFORM Contactless Online Checkout CheckoutDEFEND: Enabling banks toStay competitive against otherbanks and non-bank players.EXTEND: Deepen customerengagement & gain newRevenue streams by offeringnon-traditional banking services. © 2003 – 2012 Monitise plc. All Rights Reserved.
  • 11. Product RoadmapExtend the bank’s role Premium Customer Differentiation Card Not Present Authenticationin the Mobile Money Mobile Accountfuture Opening P2P to any ID Business International Banking Remittance Account Transaction Management Alerts Cardless Cash Alerts: Balance & Charity Withdrawal Bill Pay Threshold MOBILE Access Packaged Benefits Location & MONEY Person to Person Prepaid / Virtual Card Branch Services Payments PLATFORM Remote Deposit M-Invoicing & Capture M-POS Contactless Online Checkout CheckoutDEFEND: Enabling banks to Location BasedStay competitive against other Offers Buy Ticketsbanks and non-bank players. Loyalty & Rewards InsuranceEXTEND: Deepen customerengagement & gain new National & Local Offers Mobile Market placeRevenue streams by offeringnon-traditional banking services. © 2003 – 2012 Monitise plc. All Rights Reserved.
  • 12. A smart partner provides mobile money expertise, a scalable platform and access to networks What to look for in a smart partner • Scalable platform & network connections • Ability to create a differentiated offerings • Future roadmap features enables via a single integration, including mobile commerce Retailers Travel Card & Loyalty Providers Mobile Operators Card Processors Foreign Exchange & Insurance Ticketing Payments © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.12
  • 13. 13What does success look like? © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
  • 14. Case Study RBS Group: Exceptional customer numbersLeading UK retail bank with 12 million customers – needed to beseen as innovative Popular amongst business customers Speed to market. Commercialisation of mobile who access their accounts: Monitise launched 6 brands on channel via cross-sales - growth 55 times per month via app 3 devices and with of savings accounts on mobile 14 times per month via IB 12 propositions (1 per month) faster than on IB The customer adoption curve is constantly on the increase: Launch 15 months
  • 15. 14Conclusions Defend & Extend Partnership Local-Global Mobile Money is at a Delivering your Payments & Commerce ‘tipping point’ and the Mobile Money capabilities need local & disintermediation roadmap requires global integrations to threat is a real one smart partnering meet customer demand Working with Monitise enables banks to win the battle for consumer engagement Our best-in-class platform and unique network approach deliver pragmatic services for today, with a clear line of sight to the future. © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
  • 16. Paul Reynolds VP Business Development, Asia Pacific © 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.16 Paul.Reynolds@monitise.com monitise.com

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