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2015.03 박재현
Samsung Pay ,
The future of pay
Market Analysis
Key Success factors for Payment
Samsung Pay
Future of Payment
I.
II.
III.
IV.
목차
Source : 한국 온라인 쇼핑 협회 (‘14.12)
1.8	
  	
  
5.9	
  
13.1	
  
22.5	
  
0.0	
  
5.0	
  
10.0	
  
15.0	
  
20.0	
  
25.0	
  
2...
Source : 한국은행 (‘15.01), 전국 2500 가구 대상 조사
그러나모바일결제시장은아직성장이느리기만한데…
12.5%	
  
87.5
%	
  
모바일쇼핑결제
2.9%	
  
97.1
%	
  
오프라인상점결제...
Source : 통계청, 대신증권 (‘13.12 )
86.2%	
   85.3%	
   84.6%	
  
13.8%	
   14.7%	
   15.4%	
  
2012	
   2013	
   2014	
  
무점포 유통...
Source : 한국은행 (‘15.01), 전국 2500 가구 대상 조사 , 점수는 항목별 동의 정도에 대해 1~5점 부여 후 백분율로 환산
정보유출및보안우려
안전장치불신
실수로인한손실우려
구매절차복잡
인터넷사용미숙
7...
Source : InfoScout ( ‘14.11), iPhone 6 & 6+ 사용자 408명 대상 조사
4.6%Usage Rate
사용방해요소(Usage Inhibitors)
31% Didn’t know store a...
Source	
  :	
  ChangeWave	
  (‘150.1),	
  	
  ConsumerReports.org(‘14.10)	
  
Security	
  	
  
&	
  ProtecJon
Wide	
  Acce...
Europe	
  EMV	
  POS	
  전환 사례
1	
  
1.9	
  
4.5	
  
6.3	
  
8.2	
  
9.9	
  
14.5	
  
15.4	
  
20.5	
  (93%)	
  
'03	
   '0...
결제 업계 의견
미국에 NFC	
  기반 모바일 페이먼트가 자리 잡으려면 	
  
적어도 4~5년은 더 걸릴 것 …	
  
(Bill	
  Gajda,	
  SVP	
  of	
  InnovaJon,	
  Visa)	
...
3대성공요소:넓은사용범위,높은보안성,쉬운사용성
*MST	
  :	
  MagneJc	
  	
  Secure	
  	
  Transmission	
  
Ease	
  of	
  useSecurity	
  &	
  Pro...
독점적기술로소비자니즈를반영,비교될수없는사용범위제공
그래서삼성페이는
Ease	
  of	
  useSecurity	
  &	
  ProtecJon Wide	
  Acceptance	
  
•  MST, NFC, Barco...
카드번호보안
일회용카드번호(Token)로
분실시에도금융사기방지
지문정보보호
지문정보의안전한보관 실시간 외부 접근 모니터링,
단말 rooting 방지
Knox를 통한 보호
지문인식등보안시스템이강화된결제제공
1.안전한결제서...
다양한오프라인지불방식을통한모바일결제
2.어디서나가능한결제서비스(Wide Acceptance)
Barcode
NFC MST
3.손쉬운결제서비스(Ease of use)
Value	
  Added	
  Services	
  
•  거래내역
•  Card Life Cycle 관리
Easy	
  to	
  setup	
  
OCR	
  (OpJca...
•  수익증가
•  보안향상
•  쉬운거래제공
•  저비용서비스구축가능
•  대상사용자서비스제공
-Private Label card
-Gift card & coupon
-맞춤형추천제공
•  안전하고,편리하며사용범위가넓
...
Samsung Pay, The future of Pay
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Samsung Pay, The future of Pay

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페이 관련 시장 동향과 페이 성공을 위한 여러 요소들 , 그리고 삼성 페이와 향후 페이 비지니스의 미래에 대한 설명

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Samsung Pay, The future of Pay

  1. 1. 2015.03 박재현 Samsung Pay , The future of pay
  2. 2. Market Analysis Key Success factors for Payment Samsung Pay Future of Payment I. II. III. IV. 목차
  3. 3. Source : 한국 온라인 쇼핑 협회 (‘14.12) 1.8     5.9   13.1   22.5   0.0   5.0   10.0   15.0   20.0   25.0   2012   2013   2014   2015   (조원) 결제는성장중… Source : 통계청 1.1     1.3   1.7     2.4     2.8     3.2     13.1Q   13.2Q   13.3Q   13.4Q   14.1Q   14.2Q   (조원) 모바일 쇼핑 132% 연평균성장률(‘12~’15) 모바일 결제 137% 전년분기대비성장률(’14.2Q)
  4. 4. Source : 한국은행 (‘15.01), 전국 2500 가구 대상 조사 그러나모바일결제시장은아직성장이느리기만한데… 12.5%   87.5 %   모바일쇼핑결제 2.9%   97.1 %   오프라인상점결제 이용경험이없다. 이용경험이있다.
  5. 5. Source : 통계청, 대신증권 (‘13.12 ) 86.2%   85.3%   84.6%   13.8%   14.7%   15.4%   2012   2013   2014   무점포 유통 (PC 쇼핑 , 모바일 쇼핑 , 홈 쇼핑 等) 오프라인유통 특히,모바일결제확산을위해오프라인에서확산필요
  6. 6. Source : 한국은행 (‘15.01), 전국 2500 가구 대상 조사 , 점수는 항목별 동의 정도에 대해 1~5점 부여 후 백분율로 환산 정보유출및보안우려 안전장치불신 실수로인한손실우려 구매절차복잡 인터넷사용미숙 78.3 75.6 70.7 63.6 47.8 그러나모바일결제는사용자에게멀기만한데…
  7. 7. Source : InfoScout ( ‘14.11), iPhone 6 & 6+ 사용자 408명 대상 조사 4.6%Usage Rate 사용방해요소(Usage Inhibitors) 31% Didn’t know store accepts 25% Forgot to use it 19% Didn’t have phone handy 9.1%Trial Rate 사용시도방해요소(Trial Inhibitors) 32% Not clear how it works 30% Don’t see a need for it 19% Concerned about security 잠시US상황을보면…아직도가야할길이멀어보입니다.
  8. 8. Source  :  ChangeWave  (‘150.1),    ConsumerReports.org(‘14.10)   Security     &  ProtecJon Wide  Acceptance Ease  of  Use Convenience  at  Che ckout Value  Added   Service 84% 64% 35% 31% 13% Most  important  factors   in  Mobile  Payment  App   Consumer  Scorecard  (5  :  Best  ↔ 1  :  Worst)   0   1   2   3   4   5   Security  &   ProtecJon Wide   Acceptance   at  POS Easy   To  use Value   Added   Services Fees Overall   Average   Score 특히,US에서도보안,Acceptance, 사용성이가장큰이슈
  9. 9. Europe  EMV  POS  전환 사례 1   1.9   4.5   6.3   8.2   9.9   14.5   15.4   20.5  (93%)   '03   '04   '05   '06   '07   '08   '09   '10   '11   (백만대) 부정사용 책임전가 (EMV  POS  설치 유도) ※  美 NFC  POS  보급률 3%  수준 (22만대) US  NFC  POS  will  reach  55%  penetraJons  by  end  of  2018   또한USNFC인프라확산에는최소4~5년은소요전망  -­‐  Reuters,  US  Point  of  Sale  TransformaJon  Report  (‘14.4月)
  10. 10. 결제 업계 의견 미국에 NFC  기반 모바일 페이먼트가 자리 잡으려면   적어도 4~5년은 더 걸릴 것 …   (Bill  Gajda,  SVP  of  InnovaJon,  Visa)   NFC  결제는 Ecosystem  구축에 중장기적인 노력이 필요 …   (Ajay  Banga,  MasterCard  CEO)   Source  :  European  Central  Bank   또한USNFC인프라확산에는최소4~5년은소요전망
  11. 11. 3대성공요소:넓은사용범위,높은보안성,쉬운사용성 *MST  :  MagneJc    Secure    Transmission   Ease  of  useSecurity  &  ProtecJon 안전한 결제 관련 보안 기술 제공 Wide  Acceptance   80% 이상 *MST기반 결제가 발생하는 오프라인 매장 지원 ( NFC 보급율 KR 2% , US 3% ABI research 2013) 직관적 UX 제공
  12. 12. 독점적기술로소비자니즈를반영,비교될수없는사용범위제공 그래서삼성페이는 Ease  of  useSecurity  &  ProtecJon Wide  Acceptance   •  MST, NFC, Barcode 거래 •  오프라인및In-App 결제 •  지문정보보호 •  Knox를통한보호 •  카드번호보안 •  One Hand Operation •  Easy to setup •  Consistent User Experience (NFC, MST, Barcode) •  Value Added Services
  13. 13. 카드번호보안 일회용카드번호(Token)로 분실시에도금융사기방지 지문정보보호 지문정보의안전한보관 실시간 외부 접근 모니터링, 단말 rooting 방지 Knox를 통한 보호 지문인식등보안시스템이강화된결제제공 1.안전한결제서비스(Security & Protection) TOKEN   28568   63957 TOKEN     98957 Encrypted
  14. 14. 다양한오프라인지불방식을통한모바일결제 2.어디서나가능한결제서비스(Wide Acceptance) Barcode NFC MST
  15. 15. 3.손쉬운결제서비스(Ease of use) Value  Added  Services   •  거래내역 •  Card Life Cycle 관리 Easy  to  setup   OCR  (OpJcal  Card  RecogniJon)   •  Easy  to  pay  by  one  touch   •  Easy  to  change  cards   One  Hand  OperaJon   Consistent  User  Experience     (NFC,  MST)  
  16. 16. •  수익증가 •  보안향상 •  쉬운거래제공 •  저비용서비스구축가능 •  대상사용자서비스제공 -Private Label card -Gift card & coupon -맞춤형추천제공 •  안전하고,편리하며사용범위가넓 은결제서비스사용 •  시간과상황에따른비용절약가능 •  카드보유자와관계극대화 •  온오프라인결제보안향상 •  디지털거래증가,현금거래감소 Customers   Card  Issuers     Merchants   Samsung Pay, The future of Pay for All

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