1. by Mary Jesse
@Ivytalk @TheMaryJesse
www.ivytalk.com
Mobile
Payments
Presented at CETW
November 7, 2012

2. Mobile Revolution
World Wireless Devices (Billions)
12
10
8
6
4
2
0
2008 2012 2016
Source: ITU

3. =Mobile Payment Revolution
Worldwide Mobile Payments (Billions)
700
600
500
400
300
200
100
0
2008 2012 2016
Source: Forrester

4. Web 3.0 – The Wireless Internet
 Web 2.0: 1 Billion connected wired devices
 Web 3.0: 20 Billion connected wireless devices.
 Everything wired and digital will become mobile,
including payments and commerce.
 Mobile payments are made from a phone or
tablet rather than a PC - digital
 Mobile now becomes an alternative form of
payment for in-person payments - physical

5. Mobile and Money
 Banking
 Banking for those who don’t have banks
 POS
 Small vendors can accept credit cards
 Payments
 Customers can purchase with a phone
 Loyalty
 Your profile in the cloud (loyalty, rewards, etc.)

6. mCurrency
 Premium SMS
 text to pay, charges on mobile phone bill
 Mobile Billing
 Pin/code, charges on mobile phone bill
 NFC
 Touchless payment tied to phone and app
 Electronic Wallet
 Pin/password, payment from bank, cc, etc.

7. Key Mobile Payment
Considerations
 Security
 Ease of Use
 Availability
 Brand
 Value
There will be more than one winner.

8. Comparison
Mobile Premium Mobile NFC Wallet
Payments SMS Billing (w/o NFC)
Ease of Use Simple Simple Simple Simple
Security High Medium High Medium/High
Availability High High Low (2015) High
Brand Low Low High High
(Ecosystem)
Value Low Low High High
(loyalty, etc.)

9. ISIS Mobile Wallet™
 Supported by AT&T, T-Mobile and Verizon
 AmEx, Capital One and Chase -key partners
 Touchless POS using NFC, Wallet, Card
 Loyalty, rewards and offers
 Initial market launch: Salt Lake City and Austin

10. Google Wallet
 Started as Google Checkout in 2006
 Open platform – banks, CC, MO, brands, etc.
 Touchless POS using NFC, Wallet and Card
 Mastercard PayPass & Sprint -key partners
 5 phones currently listed as supported
 Loyalty, rewards and offers on SingleTap™

11. PayPal
 Best established ecommerce payments
 Not tied to NFC
 More than 100 Million users
 Partnership with Softbank in Japan

12. Credit Cards & Banks
 Mastercard – PayPass POS and Wallet
 VISA – V.me Wallet
 CITI – partnered with Google
 American Express – Serve prepaid
 Discover – partnered with Google
They are all betting on every race to both
stave off losses and realize new markets.

13. Summary
 Financial transactions are undergoing
massive change due to the mobile revolution
 There will be many winners
 Social/Local/Mobile/Commerce = SoLoMoCo

14. Question #1
 How are mobile payments made secure?

15. Question #2
 Can you talk about specific use cases?

16. Question #3
 How does signage evolve with mobile?

17. Question #4
 What are the challenges?

18. Thank You