Mobile commerce in Russia: 2012-2015E-Money Conference 2012                           1
Daniel Gusev:- payments geek - first stumbled on this topic in 2006 by accident- invaded privacy of pretty much every impo...
What?        3
Mobile commerce: process of buying things with your mobileSingle-handedPervasive                                          ...
Mobile commerce: process of buying things with your mobileDifferent things – same experienceInteractive                   ...
Mobile commerce: process of buying things with your mobileUbiquity of funding sourcesDevice dictates behavior             ...
Where?         7
CARD-BASED PAYMENTS                                         < RUB 1-2 TRN IN TPV.                                        D...
RUSSIA: PURCHASES IN 2010           # transactions                            CASH  MICRO-PAYMENTS        CONVENIENCE PAYM...
RUSSIA: PURCHASES IN 2010           # transactions                            CASH      RUB 1 TRN.            RUB 3 TRN.  ...
HOW TO GET TO THE TIPPING POINT                            NOT ABOUT                           TECHNOLOGY     MOBILE MONEY...
HOW TO GET TO THE TIPPING POINT                            ALL ABOUT                           EXPERIENCE     MOBILE MONEY...
Business: Top-up volumes are (for now) predominantly cash-based                                 Big smart-phoneUX:        ...
THE ROAD IS CLEAR, YOU ONLY HAVE TO NAVIGATE IT                                                                  Big varie...
In the end…              15
The people who are crazy enough to think they can change the world are the ones who do                                    ...
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Gusev e money_2011

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This presentation I gave to the audience of the 3rd annual E-Money and Retail Payments Conference in Moscow on November 11th, 2011

Published in: Economy & Finance, Business
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Gusev e money_2011

  1. 1. Mobile commerce in Russia: 2012-2015E-Money Conference 2012 1
  2. 2. Daniel Gusev:- payments geek - first stumbled on this topic in 2006 by accident- invaded privacy of pretty much every important person on this topic- eagerly takes these persons ideas and sells them through his blog http://www.linkedin.com/in/danielgusev @dngusev http://valuedrivenbanking.blogspot.com/ 2
  3. 3. What? 3
  4. 4. Mobile commerce: process of buying things with your mobileSingle-handedPervasive 4
  5. 5. Mobile commerce: process of buying things with your mobileDifferent things – same experienceInteractive 5
  6. 6. Mobile commerce: process of buying things with your mobileUbiquity of funding sourcesDevice dictates behavior 6
  7. 7. Where? 7
  8. 8. CARD-BASED PAYMENTS < RUB 1-2 TRN IN TPV. DEEP CASH OCEAN > RUB 10 TRN IN TPVPURCHASES IN RU IN 2010: KASH IS KING 8
  9. 9. RUSSIA: PURCHASES IN 2010 # transactions CASH MICRO-PAYMENTS CONVENIENCE PAYMENTS SHADY PAYMENTS 9
  10. 10. RUSSIA: PURCHASES IN 2010 # transactions CASH RUB 1 TRN. RUB 3 TRN. RUB 6 TRN. 10
  11. 11. HOW TO GET TO THE TIPPING POINT NOT ABOUT TECHNOLOGY MOBILE MONEY CONTACTLESS DIRECT DEBIT 11
  12. 12. HOW TO GET TO THE TIPPING POINT ALL ABOUT EXPERIENCE MOBILE MONEY CONTACTLESS DIRECT DEBIT 12
  13. 13. Business: Top-up volumes are (for now) predominantly cash-based Big smart-phoneUX: Small kiosk (with dual SIM) 13
  14. 14. THE ROAD IS CLEAR, YOU ONLY HAVE TO NAVIGATE IT Big variety of technologies: - Phone is the wallet (NFC) - SIM is the wallet - App is the wallet - Card is the wallet … Customer won’t give a damn, once he is con- vinced this solves his problemThings to remember:- To excel in UX, you have to reside on an open platform or work closely with mobile OEM- Payments in the past was everything about control - today this may be about giving it away- Data interexchange does not matter as the contextualization of this exchange for a customer 14
  15. 15. In the end… 15
  16. 16. The people who are crazy enough to think they can change the world are the ones who do 16

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