Leverage smart digital ecosystems         Mobile Payment Tendencies                 in Europe                  François Le...
Mobile… What else ?                  Mobile interactions   change (almost) everything in a commercial relation            ...
The mobile big bang          Source : Business Insider – The Future of Digital - http://read.bi/Vbludj                 © L...
Mobile Payment Overview (Gartner Group)             © Lobary 2012. Mobile Payment Tendencies in Europe.   4
Europe Payment Market• In-shop acquisition (Visa/MC)   –   Visa/MC & national schemes   –   CHIP and PIN   –   Offline/Onl...
Some Europe Mobile Payment Projects             © Lobary 2012. Mobile Payment Tendencies in Europe.   6
Mobile Payment : Outdoor experience                                                                    Store-Value        ...
Mobile Payment : in-shop experience                                                                       Online          ...
Mobile Payment : Anywhere                                               Mobile Point-Of-Sales    Person to Person         ...
2 main tendencies in Europe Mobile Payment   PAYMENT : Convergences Web to Physical Commerce     – Web to Shop :          ...
Customer’s mobile payment balanceConvenience                                                        Security             ©...
SoLoMo       Get                                                          Catchcustomer’s attention                       ...
In a nutshell• Mobile payment to become commodity for european users   – Simple, convenient and secured enough   – Seamles...
Thank youFrançois Lecomte-Vagniez     LOBARY SARL      +33.6.81.49.44.94                            @lobary     flecomte...
Leverage smart digital ecosystems• Lobary value proposal    Improving customer’s experience for adverts, in-shop, travels...
LOBARY is editorial partnerand PC Chair of the NFC WC
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Lobary mobile payment_tendancies_europe_bay_pay_forum_2012_12_10

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Francois Lecomte-Vagniez, associate Partner Lobary. Keynote performed at BayPay Forum in San Francisco, USA, on Dec. 10th 2012. Mobile payment tendencies in Europe.

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Lobary mobile payment_tendancies_europe_bay_pay_forum_2012_12_10

  1. 1. Leverage smart digital ecosystems Mobile Payment Tendencies in Europe François Lecomte-Vagniez LOBARY  +33 6 81 49 44 94  flecomte@lobary.com @lobary www. lobary.com December 10th, 2012 © Lobary 2012
  2. 2. Mobile… What else ? Mobile interactions change (almost) everything in a commercial relation © Lobary 2012. Mobile Payment Tendencies in Europe. 2
  3. 3. The mobile big bang Source : Business Insider – The Future of Digital - http://read.bi/Vbludj © Lobary 2012. Mobile Payment Tendencies in Europe. 3
  4. 4. Mobile Payment Overview (Gartner Group) © Lobary 2012. Mobile Payment Tendencies in Europe. 4
  5. 5. Europe Payment Market• In-shop acquisition (Visa/MC) – Visa/MC & national schemes – CHIP and PIN – Offline/Online author. – Contactless debit card (by 2015)• Remote payment – Payment card number – OneClick trusted services Europe market• Micro payment – SEPA1 - 32 countries – Appstores : Apple & Android – MNO’s invoice debit. Ex. : SMS+ – 300 M consumers 1 SEPA : Single European Payment Area © Lobary 2012. Mobile Payment Tendencies in Europe. 5
  6. 6. Some Europe Mobile Payment Projects © Lobary 2012. Mobile Payment Tendencies in Europe. 6
  7. 7. Mobile Payment : Outdoor experience Store-Value Platform Or Direct debit Ex. : Parking fee (MNO invoice) © Lobary 2012. Mobile Payment Tendencies in Europe. 7
  8. 8. Mobile Payment : in-shop experience Online transactionEMV Scheme Online/Offline transaction © Lobary 2012. Mobile Payment Tendencies in Europe. 8
  9. 9. Mobile Payment : Anywhere Mobile Point-Of-Sales Person to Person © Lobary 2012. Mobile Payment Tendencies in Europe. 9
  10. 10. 2 main tendencies in Europe Mobile Payment PAYMENT : Convergences Web to Physical Commerce – Web to Shop : Buy online, carry offline – Shop to Web : Showroom offline, purchase online. + MARKETING : Customer’s data monetization – Opt-in loyalty program – Winning instants – best deals at the right time – Social community shares = MORE VALUE FOR MOBILE PAYMENT USERS © Lobary 2012. Mobile Payment Tendencies in Europe. 10
  11. 11. Customer’s mobile payment balanceConvenience Security © Lobary 2012. Mobile Payment Tendencies in Europe. 11
  12. 12. SoLoMo Get Catchcustomer’s attention the winning instant Deliver Be trusted the promise like a friend © Lobary 2012. Mobile Payment Tendencies in Europe. 12
  13. 13. In a nutshell• Mobile payment to become commodity for european users – Simple, convenient and secured enough – Seamless bilateral processes between eCommerce and physical shops• Some uncertainty remaining on market standards – Massive deployments of mobile payment services. – Will the NFC promise be delivered ?• Digital proximity experiences change user’s paradigms – Seamless usability on the web and in close-loop. – Value delivered to consumers unlocks results.  Europe offers fantastic business opportunities Winning rhymes with customers massive adoption © Lobary 2012. Mobile Payment Tendencies in Europe. 13
  14. 14. Thank youFrançois Lecomte-Vagniez LOBARY SARL  +33.6.81.49.44.94 @lobary  flecomte@lobary.com www. lobary.com
  15. 15. Leverage smart digital ecosystems• Lobary value proposal  Improving customer’s experience for adverts, in-shop, travels, check-in...  Leveraging smart digital opportunities for your business.• Smart Digital value delivered 1. Tune your vision  Prospective, market opportunities, use-cases. 2. Set-up your strategy to go  Go-to-Market, business case, turn-key solutions, ROI’s. 3. Run into ecosystems  Quick-wins, local opportunities, partnership work. © Lobary 2012. Mobile Payment Tendencies in Europe. 15
  16. 16. LOBARY is editorial partnerand PC Chair of the NFC WC

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