Cfir aim 10. maj 2012


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IBM mobile payments and online banking. Integration with smarter commerce. Presentation at CFIR/NETS mobile payment lab @ NETS Denmark.

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Cfir aim 10. maj 2012

  1. 1. mCommerce @ IBM – Convergingmbanking, mpayments, retail andvalue chain visibility + = © 2012 IBM Corporation
  2. 2. Let’s build a smarter planet Mobility is here and making a difference – 8x Faster Adoption than internet and if tablets included, even faster Morgan Stanley Adoption of The year mobile platforms surpassed mobile banking will reach 50% •  2011 traditional platforms IDC …Which happened 4 years earlier than predicted in 2009 in 2016 eBay expectation to be transacted •  2 Billion via mobile — up from $400 million in 2009. Forrester Smart Phone Users 50% + •  48% <30 yrs Are SmartPhones today — GMUs outpacing 1st world countries •  39% 30-49 yrs2 © 2009 IBM Corporation 2012
  3. 3. Let’s build a smarter planetThe transaction value in Mobile Payments globally is $86B growing to $426B by 2015. 2011 Global Mobile Payment Users are 141M 2011 Global Mobile Payment Transaction 2011 Global Mobile Payment Transaction Growing to 349M in 2015 (CAGR 35%) Volume is growing at CAGR 47% Value is growing at CAGR 49% The image cannot be displayed. Your computer may not have enough memory to open the image, or the image may have been corrupted. Restart your computer, and then open the file again. If the red x still appears, you may have to delete the image and then insert it again. Mobile Payment Transaction Volume Mobile Payment Transaction Value 16,000 $450,000 14,000 $426B $400,000 12,000 The image $350,000 cannot be 2010: 185M 10,000 $300,000 Millions of Dollars Millions $250,000 8,000 $200,000 6,000 $86B $150,000 4,000 $100,000 2,000 $50,000 0 $0 2008 2009 2010 2011 2012 2013 2014 2015 2008 2009 2010 2011 2012 2013 2014 2015 Mobile Payment Users by Region Mobile Payment Transaction Value by Region 2015 Mobile Payment Transaction Volume by Technology 2015 2015 Latin Asia Pacific Latin Western SMS dominates, at America, dominates, NFC, America, Western GMU Markets 4.8% Europe, 53% of volume. 1.8% Europe, representing 15.2% dominate at EMEA , 21.2% NFC is only 15% 22.9% 36% of Global USSD, EMEA, 62% of Value. 23.2% users 5.4% 32.7% North SMS, America, 53.4% North 14.4% America, WAP/Web 14.7% , 25.9% Asia/Pacifi Asia/Pacifi c, 36.6% c, 27.9% The image cannot be Source: CGAP: “The State of the Branchless Banking Sector” May 20113 Source: Gartner “Forecast: Mobile Payments, Worldwide, 2008-2015”; Pub May 2011 displayed. Your © 2009 IBM Corporation 2012 Note: EMEA does not include Western Europe
  4. 4. Let’s build a smarter planet Mobile banking usage characteristics 2. Mobile bankers are balance checkers1. Mobile bankers are mainstream consumers Many of customers check Unlike online banking, mobile banking won’t need their card balance using a 10 to 15 years to scale to mass‐market adoption. mobile device before a transaction, after a transaction, and even during a transaction. IBM Point-of-View Mobile is the ultimate multi-channel device supporting anytime and anywhere self- 3. Mobile bankers are electronic coupon-clippers service, alert, speech and offline with The shift in coupon use from paper to electronic among extreme personalization. mobile bankers emphasizes the need for banks to be able to reach customers and prospects on their mobile devices.4 Source: Aite Group, The Impact of Mobile Banking: A Case for Mobile Marketing, April 2011 © 2009 IBM Corporation 2012
  5. 5. Let’s build a smarter planet Functionality unique to mobile banking on smartphones Integration with Social Checkbook Location-Based Services Bill Reminder Expense Tracker Multiple Ways To Contact Bank (Call-out, call-back, social, etc)5 Source: Bank Systems and Technology, Apr 2011 © 2009 IBM Corporation 2012
  6. 6. Let’s build a smarter planet Functionality unique to mobile banking on smartphones Chase’s P2P “QuickPay” Chase’s RDC Developed in-house “QuickDeposit” Vendor: Mitek Systems Early adopters of RDC report very high customer satisfaction, positive ROI and negligible fraud. Mobile RDC works best for banks with large % of customers living outside of its branch network. - Tower Group, Setting US Mobile Banking Priorities for 2011: Opportunities Attainable in the Short Term, Nov 20106 © 2009 IBM Corporation 2012
  7. 7. Let’s build a smarter planet Functionality as rich as those on internet banking Cards & Reward Investing Program Market Info Corp Banking Handy Tools7 Source: Bank Systems and Technology, Apr 2011 © 2009 IBM Corporation 2012
  8. 8. Let’s build a smarter planet Functionality unique to mobile banking on smartphones: Mobile + Social + P2P Payment IBM Point-of-View Banks need to have a business model that takes advantage of the fact that a smartphone may be the only thing many people keep within arm’s reach all day. For example, expense tracking combined with mobile payment and bill-pay is a very “sticky” feature. Commonwealth Bank of Australia allows users to pay Facebook friends8 © 2009 IBM Corporation 2012
  9. 9. Let’s build a smarter planet Mobile wallets will change the way we conduct our daily routines Pay in shops Get electronic receipts Register purchases on loyalty program Use a coupon Use a Gift card Present receipt at store and get refund Pay parking ticket Smart Cash Ticketing Use Public transportation – smart ticketing (Replacement) Gift Pay online Cards Person to Person transfer Get electronic receipts Loyalty Register purchases on loyalty program Programs Receipts Use use coupon Buy Gift card ID Cards Wallet Use Gift card Pay congestion charges Payment Cards Scan coupon Use a coupon Receive Gift card Use Gift card Check in at airport9 © 2009 IBM Corporation 2012
  10. 10. Let’s build a smarter planet IBM’s mCommerce Appliance Solution Only Industry Appliance that Provides an End-to-End mobile experience for bankers, retailers and consumers10 © 2009 IBM Corporation 2012
  11. 11. Let’s build a smarter planetIBM Smart Commerce for the retailer: Get the information you need when youneed it to help your customer make better decisions and drive more revenuevia efficient data mining – and gaining last mile supply chain visibility. 1 2 3 4 5 6 Customer Customer Relevancy Customer Customer Current Context Segmentation Engine Branded Identification Identification Guided Selling Collaboration Experiences* Where else do your customers shop Opt-in mobile How often do Opt-in mobile when they presence your customers How much presence shop at your store do your customers What is your leave your store? versus competitors spend at your customer’s competitors? attitude towards their spend? Lots of products and lots of customers with “Who” “Who + What” “You + Why” “You + Now” “Right Now” no real understanding of Guided sale who is interested in what Flash sale Collaboration Who are you + Who are you – Who you are + where are you right now, What are you doing what do you buy, what are you in the Others like you + who are you with, right now how do you buy, process of doing, what can we do together what do you want to do, what could and what have you and what can we do right now. what is going on should happen next. bought before? to support that? around you? End consumer traceability ‘Intent – to – buy’ demand signals11 *Dynamic temporal customer experiences based on the customer – the shopping experience – the business intent in a moment of time © 2009 IBM Corporation 2012
  12. 12. Let’s build a smarter planet IBM Mobile Shopper: Mobile Screen Layout • Running Totals • Running Savings (Note, does NOT include savings after totals (i.e. Zavers), only shows if non-zero • Retailer logo • “Rolling” Advertisements paid from Vendor to Retailer. (When touched, expands to show details of what is scrolling) • Customer Instructions• Item Description • Net Item Price • Item UPC (or PLU) • Total Coupon Savings for item• Item OffersButton (i.e. • Enable keypad for item entryupsell, cross sell,etc. – only • Enable Scanner for item entrydisplays when • More Button (Includes buttons for):offer is available) • Removing an item • Help • Cancel Transaction• Shows list of • “Transaction” Alert • Settingsitems entered Indicator • Price Check an item • Etc. 12 © 2009 IBM Corporation 2012
  13. 13. IBM Mobile Shopper as an extension to self-servicescales and Point-of-Sales solutions © 2012 IBM Corporation
  14. 14. Let’s build a smarter planet Security concerns is one of the barriers to adoption of mPayments Source: SAP AG, IDC, Forrester, Gartner, Symantec, Research & Markets14 © 2009 IBM Corporation 2012
  15. 15. Let’s build a smarter planet Mobile banking is much more than just the app IBM Point-of-View Mobile banking is much more than just apps. IBM has tremendous capabilities to help banks and retailers succeed. Security Strategy Ensuring that distributed data Business model for advanced and access into the enterprise features such as mobile wallet, NFC from applications is controlled and P2P payments and cross and secure industry convergence Scalability Delivering the ability to scale with Manageability unpredictable demand while Providing customers with the ability to maintaining quality of service and control who has access to specific experience applications and updates Connectivity Analytics Simplifying the process of Enabling customers with insight connecting mobile applications to into who is using their diverse back-end systems and applications, when they are using enabling two-way communications them, and how (SMS, web sockets, notifications)15 © 2009 IBM Corporation 2012
  16. 16. Let’s build a smarter planet Our global payment practice is the largest in the worldü  Global Card and Payment Team – unique insight & latest industry thinking §  400 people in 21 countries representing consulting, Americas and Global Europe research, security, products, sales §  Issuer & acquirer clients in over twenty countries including, Australia, Austria, Brazil, Canada, the Caribbean, China, Denmark, Germany, Greece, Hong Kong, Italy, Japan, Korea, Mexico, the Netherlands, Singapore, Sweden, Thailand, UK, and the USü  Consulting Offerings - unparalleled depth in consulting, system design, build & package integration §  Vast majority of US card core system rationalization, feasibility & decommissioning strategies §  Design & architecture of world’s largest & most highly- Asia available networks: MasterCard, Visa, American Express, Discover & China Union Payü  Project management, infrastructure & hosting -- world-class competency with large, complex projects §  Largest outsourcing service provider in the world §  90% of top US issuers rely on IBM infrastructureü  Conversion Centre of Competency Our client list includes every international card and payment §  Well-defined, rapid data migration methodology association in the world, 8 of the top 10 issuers, 2 of the top §  156 successful, references conversions world-wide 3 processors and 3 of the top 5 acquirers in the US16 © 2009 IBM Corporation 2012