Mobile Payments — Where are we?

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Mobile Payments — Where are we?

  1. 1. A world view… a few examples… discussion about business models<br />Mobile PaymentsWhere are we?<br />Society for Computers and Law,<br />London, July 2011<br />Version 1, Jul-15-11<br />1<br />Please copy and distribute<br />
  2. 2. World View<br />2<br />Please copy and distribute<br />Version 1, Jul-15-11<br />Starting in the centre of the world, which is Woking, or more specifically the car park at Woking railway station<br />
  3. 3. Four-way view<br />3<br />Please copy and distribute<br />Version 1, Jul-15-11<br />Here’s one way to look at the world of mobile payments<br />
  4. 4. Examples<br />4<br />Please copy and distribute<br />Version 1, Jul-15-11<br />Examples from each quadrant that have some key lessons wrapped up inside them<br />
  5. 5. Japan: The MacDonald’s Club<br />5<br />Please copy and distribute<br />Version 1, Jul-15-11<br />1 in 8 subscribers in Japan belong to the McDonald’s club<br />
  6. 6. Kenya: M-PESA<br />6<br />Please copy and distribute<br />Version 1, Jul-15-11<br />A quarter of Kenyan GDP passes through M-PESASource: Wired UK (6/11)<br />
  7. 7. UK: Barclaycard and Orange<br />7<br />Please copy and distribute<br />Version 1, Jul-15-11<br />Cards aren’t that cool, but phones are<br />
  8. 8. US: Square<br />8<br />Please copy and distribute<br />Version 1, Jul-15-11<br />This is the window into the new payments environment<br />
  9. 9. Business Models<br />9<br />Please copy and distribute<br />Version 1, Jul-15-11<br />What are the drivers for mobile, and why are some people mad for it while others are sceptical?<br />
  10. 10. Technology and business model<br />10<br />Please copy and distribute<br />Version 1, Jul-15-11<br />“I don’t care how it works, only what it does”<br />Network<br />Handset<br />UICC (and SIM application)<br />SIM Toolkit<br />Secure Element (SE)<br />Single-Wire Protocol (SWP)<br />Trusted Service Manager (TSM)<br />
  11. 11. The big picture<br />11<br />Please copy and distribute<br />Version 1, Jul-15-11<br />
  12. 12. There are many, many options<br />12<br />Please copy and distribute<br />Version 1, Jul-15-11<br />
  13. 13. Different business models<br />13<br />Please copy and distribute<br />Version 1, Jul-15-11<br />The GSMA model<br />SE under control of mobile operator<br />UICC SE, SWP, TSM<br />The bank experiment<br />SE under control of issuer<br />SD SE, TSM<br />The Google Wallet<br />SE nothing to do with bank or telco<br />
  14. 14. Many thanks<br />14<br />Please copy and distribute<br />Version 1, Jul-15-11<br />For more information<br />Please feel free to contact me<br />Do come and visit us online<br />

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