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M-Commerce and M-Payment



Alastair Brown     Richard Beaton

Head of Delivery   Founder, Director
Valtech UK         App55




                   © Valtech 2011
Summary

     1. Is there an opportunity?
     2. What’s the background?
     3. Social change and technology?
     4. The goal and the answer
     5. What we built and the benefits
     6. Why can’t you seize the opportunity?
     7. We show you that you can
     8. Your choice…




#2
                            © Valtech 2011
What’s the fuss?

      • Everyone is talking payments

      • What’s happening?
                                               Carry on… differently
      • Should I panic?
                                                • It is not the end of the world
      • Can I benefit?
                                                • plus ça change

                                                • Panic? – not yet ….

                                                • But what direction to travel in?




#3
                              © Valtech 2011
History
      • Barter
          beads and gold and ..
                cash – gold based
                       cheques
                               cash – faith based

                                                    …. 100’s of years
      • Electronic payments
          Credit and Debit Cards

      • Not revolution but evolution … faster evolution
          Plastic did not kill cheques
                           Cheques are stopping?




#4
                               © Valtech 2011
Opportunity

     • Two world changing events
         Internet
         Massive rise in personal devices – Smartphones


     • Opportunity comes with change

     • Change comes with disruption


                .. We carry more computing power in our pocket
                          than took man to the moon ..




#5
                                © Valtech 2011
Change is a choice

          • Nobody changes because of technology / process
                >70% of shopping carts fail due to having to fill in details
                In UK 3 times more likely to change wife than bank account


          • The social and personal digital revolution is exciting
                         …because technology supports it


          • True social commerce and mobile commerce.
                 Impulse buy, group buys, targeted advertising etc.


     "It's staggering to think that $2bn-worth of sales has been generated through a platform that didn't
                            exist a couple of years ago, and on a device that didn't exist three years ago”.
                                                                            vice-president of eBay Europe




#6
                                              © Valtech 2011
How can we take advantage?
     • We do not email money – We email notification of money
         There is no alternative payment ecosystem
         I want an IP V6 token system … but we still have cheques


     • But the social and mobile revolution is still happening
         Social change and demand is outstripping regulation and ability to supply


     • The answer is
         Known starting position – trusted technologies and banking platforms
         Global enterprise system –connect corporations & payment infrastructure
         Multi-Device – connect multiple personal IP devices to that system


     Deliver quick to market, low operational impact mobile
     and extended payment functionality to companies



#7
                                 © Valtech 2011
What did we build?

     The software solution

          • Cloud Service
              De-Coupled simple service
              Easy integration
              Tiny adoption costs


          • Secure
              PCI compliant

          • Highly Scalable
              Distributed, horizontal scalability
              Data sharding
              Elastic scalability



#8
                                        © Valtech 2011
What’s the benefit for me?

     The App55 solution…

     Uses existing trusted banking infrastructure to deliver very simple
         customer centric user journeys that :

           • Are simple to integrate.
           • Minimise interaction (and therefore drop out)




#9
                                    © Valtech 2011
… and other channels

      The App55 solution…

      Supports multiple devices and channels

            •   Web
            •   Smartphone
            •   Tablets
            •   Facebook Commerce




#10
                                    © Valtech 2011
But more importantly

      You have the payment engine. What next… build on that?

           • The key digital commerce places
              • The start
              • The end
           • The key principal
              • Join one to the other
           • How do you get more?
              • Understanding social and digital evolution
              • Prepare your infrastructure to maximise the funnel
              • Get more in to get more out




#11
                                    © Valtech 2011
So what’s stopping you?

      Existing infrastructure embedded in core enterprise platform:

            • Usually a tangled mess                    -ve integration
            • High levels of entropy

            • Change is :-
               • Expensive , disruptive, has unexpected impacts

            • High cost of
               • Integration, skills acquisition, security, regulation, operations




#12
                                       © Valtech 2011
Sound Familiar?




#13
                  © Valtech 2011
Starting the journey in wrong place…

      So what do I do?
                                                      +ve integration
           • Positive Integration
               Reduce the impact of change
               Optimise release schedule
               Less software (not more)
               Reduce skills acquisition
               Reduce operating costs


           • But more importantly…
               E




#14
                                     © Valtech 2011
Maximise the Opportunity

      Increased Opportunity

      •   Move investment for…
           Core business
           Levering the digital ID’s captured by App55
           Release data trapped in Legacy into new killer applications
           New offering
           Improve funnelling
           Digital and social commerce
           Better design, U/X to capture and keep
           …




#15
                                        © Valtech 2011
How did we do it?
      Valtech Inception

           • Breakdown the problem into small manageable pieces
               Get the product to the market earliest


           • Understand the cone of uncertainty
               Analyse just enough at the last responsible moment

           • Prioritise features sympathetically to business drivers
               Marketing effort demands demonstration of solution
               Legislation demands


           • Show what the business can have when
               Define a release plan so the business has options




#16
                                       © Valtech 2011
How did we do it?




#17
                    © Valtech 2011
Why this way?

      To Support…

          • Flexibility to meet business demands
              Sales / partner needs change – No Panic!

          • Flexibility to meet market demands
              Need to change the order of feature sets - No Panic!

          • Reduce time to market
              Deliver to market in the smallest possible increments that add value




#18
                                      © Valtech 2011
Your choice
                               Questions?

              $£
              €

#19
              © Valtech 2011
Droits de reproduction


 •     Vous êtes libres de :
 - Partager : reproduire, distribuer et communiquer cette présentation
 - Remixer : modifier cette présentation

 •     Selon la condition de « Paternité » :
 Vous devez impérativement citer le(s) auteur(s) ou le(s) titulaire(s) des
 droits (mais pas d'une manière qui suggérerait qu'ils vous soutiennent
 ou approuvent votre utilisation du contenu).

 •    Plus d’informations : http://fr.creativecommons.org




                                    © Valtech 2011

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Valtech - M-Commerce and M-Payment

  • 1. M-Commerce and M-Payment Alastair Brown Richard Beaton Head of Delivery Founder, Director Valtech UK App55 © Valtech 2011
  • 2. Summary 1. Is there an opportunity? 2. What’s the background? 3. Social change and technology? 4. The goal and the answer 5. What we built and the benefits 6. Why can’t you seize the opportunity? 7. We show you that you can 8. Your choice… #2 © Valtech 2011
  • 3. What’s the fuss? • Everyone is talking payments • What’s happening? Carry on… differently • Should I panic? • It is not the end of the world • Can I benefit? • plus ça change • Panic? – not yet …. • But what direction to travel in? #3 © Valtech 2011
  • 4. History • Barter beads and gold and .. cash – gold based cheques cash – faith based …. 100’s of years • Electronic payments Credit and Debit Cards • Not revolution but evolution … faster evolution Plastic did not kill cheques Cheques are stopping? #4 © Valtech 2011
  • 5. Opportunity • Two world changing events Internet Massive rise in personal devices – Smartphones • Opportunity comes with change • Change comes with disruption .. We carry more computing power in our pocket than took man to the moon .. #5 © Valtech 2011
  • 6. Change is a choice • Nobody changes because of technology / process >70% of shopping carts fail due to having to fill in details In UK 3 times more likely to change wife than bank account • The social and personal digital revolution is exciting …because technology supports it • True social commerce and mobile commerce. Impulse buy, group buys, targeted advertising etc. "It's staggering to think that $2bn-worth of sales has been generated through a platform that didn't exist a couple of years ago, and on a device that didn't exist three years ago”. vice-president of eBay Europe #6 © Valtech 2011
  • 7. How can we take advantage? • We do not email money – We email notification of money There is no alternative payment ecosystem I want an IP V6 token system … but we still have cheques • But the social and mobile revolution is still happening Social change and demand is outstripping regulation and ability to supply • The answer is Known starting position – trusted technologies and banking platforms Global enterprise system –connect corporations & payment infrastructure Multi-Device – connect multiple personal IP devices to that system Deliver quick to market, low operational impact mobile and extended payment functionality to companies #7 © Valtech 2011
  • 8. What did we build? The software solution • Cloud Service De-Coupled simple service Easy integration Tiny adoption costs • Secure PCI compliant • Highly Scalable Distributed, horizontal scalability Data sharding Elastic scalability #8 © Valtech 2011
  • 9. What’s the benefit for me? The App55 solution… Uses existing trusted banking infrastructure to deliver very simple customer centric user journeys that : • Are simple to integrate. • Minimise interaction (and therefore drop out) #9 © Valtech 2011
  • 10. … and other channels The App55 solution… Supports multiple devices and channels • Web • Smartphone • Tablets • Facebook Commerce #10 © Valtech 2011
  • 11. But more importantly You have the payment engine. What next… build on that? • The key digital commerce places • The start • The end • The key principal • Join one to the other • How do you get more? • Understanding social and digital evolution • Prepare your infrastructure to maximise the funnel • Get more in to get more out #11 © Valtech 2011
  • 12. So what’s stopping you? Existing infrastructure embedded in core enterprise platform: • Usually a tangled mess -ve integration • High levels of entropy • Change is :- • Expensive , disruptive, has unexpected impacts • High cost of • Integration, skills acquisition, security, regulation, operations #12 © Valtech 2011
  • 13. Sound Familiar? #13 © Valtech 2011
  • 14. Starting the journey in wrong place… So what do I do? +ve integration • Positive Integration Reduce the impact of change Optimise release schedule Less software (not more) Reduce skills acquisition Reduce operating costs • But more importantly… E #14 © Valtech 2011
  • 15. Maximise the Opportunity Increased Opportunity • Move investment for… Core business Levering the digital ID’s captured by App55 Release data trapped in Legacy into new killer applications New offering Improve funnelling Digital and social commerce Better design, U/X to capture and keep … #15 © Valtech 2011
  • 16. How did we do it? Valtech Inception • Breakdown the problem into small manageable pieces Get the product to the market earliest • Understand the cone of uncertainty Analyse just enough at the last responsible moment • Prioritise features sympathetically to business drivers Marketing effort demands demonstration of solution Legislation demands • Show what the business can have when Define a release plan so the business has options #16 © Valtech 2011
  • 17. How did we do it? #17 © Valtech 2011
  • 18. Why this way? To Support… • Flexibility to meet business demands Sales / partner needs change – No Panic! • Flexibility to meet market demands Need to change the order of feature sets - No Panic! • Reduce time to market Deliver to market in the smallest possible increments that add value #18 © Valtech 2011
  • 19. Your choice Questions? $£ € #19 © Valtech 2011
  • 20. Droits de reproduction • Vous êtes libres de : - Partager : reproduire, distribuer et communiquer cette présentation - Remixer : modifier cette présentation • Selon la condition de « Paternité » : Vous devez impérativement citer le(s) auteur(s) ou le(s) titulaire(s) des droits (mais pas d'une manière qui suggérerait qu'ils vous soutiennent ou approuvent votre utilisation du contenu). • Plus d’informations : http://fr.creativecommons.org © Valtech 2011