Introduction to mobile payment toon coppens - ibbt nocturne 25 oct - alcatel-lucent
Mobile Payment and Marketing Toon Coppens Alcatel-Lucent Mobile Wallet Service November 2010 Twitter: @me_toon [email_address]
Contactless ski pass mobile sticker and mobile top-up Proximity retail loyalty Person to Person money transfer via mobile Mobile phone sticker as Intelligent student card for library and presence Person to business money transfer via mobile SMS ticketing for boat ride Courtesy of:
Consumer appeal? Every card becomes a mobile application Real time Balance Business expense Transaction history P2P transactions Personal coupons On the fly subscription
Consumer appeal? <ul><li>Most popular use cases: </li></ul><ul><ul><li>‘ Buy a movie ticket without needing to wait in line’: 89% </li></ul></ul><ul><ul><li>‘ Account balance & transaction check in real time’: 86% </li></ul></ul><ul><ul><li>‘ use a mobile phone to scan products inside shop for price comparison’: 89% </li></ul></ul><ul><ul><li>‘ Location based coupons’ and ‘Profile based coupons’: 81% and 74% </li></ul></ul>“ All EU citizens should be able to use their mobile phone as a mobile wallet by 2015” EC VP for the digital agenda – Neelie Kroes, May 2010 How interested are you in replacing your current wallet with a Mobile Phone as a Wallet? Extremely interested Very interested Neither interested nor uninterested Very uninterested Extremely uninterested 26% 54% 15% 3% 2%
Technology? Mobile phone as Swiss knife of secure mobile applications % <ul><li>web </li></ul><ul><li>access </li></ul><ul><li>payment </li></ul><ul><li>loyalty </li></ul><ul><li>communication </li></ul><ul><li>couponing </li></ul><ul><li>advertising </li></ul><ul><li>transport </li></ul>Near Field Communication technology
Technical solution Proximity payment, loyalty & marketing Person to person money transfer Remote ticketing Online micro-payment Transport Parking Vending Gifting Retail fidelity Mobile Application Contactless SMS USSD WEB Payment gateway Mobile Wallet Service Portfolio of payment and marketing applications E-store … . MNO
Merchant readiness? Source: Retail Info Systems – March 2010 Source: Retail Info Systems – March 2010 Advertising & direct marketing Customer Communication Sales Customer identification, Reporting & Analytics
Use case: Sanoma Who? European publisher active in 13 countries, market leader in Finland, Netherlands, Belgium.. Flair Mobile: MVNO Goals Sales and sales frequency increase Identify PoS consumer for further sales activation Application Loyalty for Flair Magazine: 4 + product plus Prepaid program for Humo Magazine: pay for 10 and get 12 Channels Contactless stickers, POS GPRS reader , website Model Closed loop, not integrated into PoS, targeted, limited in time Services website, SMS self registration, activation
Mobile operators as financial service providers Mobile Operators Issuing credit cards Getting bank license / payment institution license / e-money license Voice Commerce and Alcatel-Lucent Mobile Wallet Service team up to accelerate adoption of mobile money E-Money license Mastercard/Visa acquiring license Mastercard/Visa issuing license
The Stakeholders Conclusion: exciting times ahead! Mobile Operators (alone or together) Mobile Operators + Banks Banks Internet & hardware players
| NAR Business Development | November 2009 www.alcatel-lucent.com http://www.alcatel-lucent.com/mws
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