Looks at why mobile payments hasn't taken off in most places around the world and what has to happen for mobile payment platforms to ignite. Keynote presentation at the Berkeley Mobile Money Conference on October 11, 2013
UX Design for Mobile Payment ExperiencesSkip Allums
O'Reilly Webcast: Oct 14, 2014
With mobile devices emerging as new tools for transactions and identification, designers face challenging interactions and user expectations from payment scenarios. Consumers expect mobile payment experiences to be frictionless and familiar, while faithfully protecting their financial data. Falling short on any of these aspects will cause users to drop out, or worse, compromise their financial privacy. In this webcast, we'll look at ten emerging UX design best practices for mobile payment interactions.
References:
Apps mentioned:
http://www.paywithisis.com
http://www.squareup.com
https://www.google.com/wallet/
https://www.venmo.com
http://www.thelevelup.com
http://www.capitalone.com/online-banking/mobile/wallet/
https://www.lyft.com/
https://www.groupon.com
https://www.uber.com/
https://www.coinbase.com/
https://www.simple.com/
https://www.paypal.com/
https://www.apple.com/iphone-6/apple-pay/
http://www.starbucks.com/coffeehouse/mobile-apps/mystarbucks
Merchant Category codes
http://www.irs.gov/irb/2004-31_IRB/ar17.html#d0e1647
PCI DSS Compliance
https://www.pcisecuritystandards.org/security_standards/documents.php?document=pci_dss_v2-0#pci_dss_v2-0
Future of payments - An initial perspective by MasterCardFuture Agenda
An initial perspective on the future of payments by MasterCard. This is the starting point for the global future agenda discussions taking place through 2015 as part of the the futureagenda2.0 programme. www.futureagenda.org
In October 2014, when Apple debuted its iPhone 6 with an electronic wallet called Apple Pay, people immediately began to wonder whether it would overtake its competitors in the mobile payments business. The company has an impressive track record of releasing products and technologies that quickly disrupt and dominate markets. Nearly a year and well over 100 million iPhone 6 sales later, Apple Pay has emerged as the clear leader — but we’re still waiting for disruption. Smartphones have yet to displace cash or credit cards at the retail point of sale.
Countless mobile payment systems are active today — Apple Pay, Google Wallet, the Merchant Customer Exchange (MCX) CurrentC platform, and so on — but none has yet gained significant traction with merchants or consumers or become the standard for mobile transactions. And none of them look likely to seize that role for a while.
UX Design for Mobile Payment ExperiencesSkip Allums
O'Reilly Webcast: Oct 14, 2014
With mobile devices emerging as new tools for transactions and identification, designers face challenging interactions and user expectations from payment scenarios. Consumers expect mobile payment experiences to be frictionless and familiar, while faithfully protecting their financial data. Falling short on any of these aspects will cause users to drop out, or worse, compromise their financial privacy. In this webcast, we'll look at ten emerging UX design best practices for mobile payment interactions.
References:
Apps mentioned:
http://www.paywithisis.com
http://www.squareup.com
https://www.google.com/wallet/
https://www.venmo.com
http://www.thelevelup.com
http://www.capitalone.com/online-banking/mobile/wallet/
https://www.lyft.com/
https://www.groupon.com
https://www.uber.com/
https://www.coinbase.com/
https://www.simple.com/
https://www.paypal.com/
https://www.apple.com/iphone-6/apple-pay/
http://www.starbucks.com/coffeehouse/mobile-apps/mystarbucks
Merchant Category codes
http://www.irs.gov/irb/2004-31_IRB/ar17.html#d0e1647
PCI DSS Compliance
https://www.pcisecuritystandards.org/security_standards/documents.php?document=pci_dss_v2-0#pci_dss_v2-0
Future of payments - An initial perspective by MasterCardFuture Agenda
An initial perspective on the future of payments by MasterCard. This is the starting point for the global future agenda discussions taking place through 2015 as part of the the futureagenda2.0 programme. www.futureagenda.org
In October 2014, when Apple debuted its iPhone 6 with an electronic wallet called Apple Pay, people immediately began to wonder whether it would overtake its competitors in the mobile payments business. The company has an impressive track record of releasing products and technologies that quickly disrupt and dominate markets. Nearly a year and well over 100 million iPhone 6 sales later, Apple Pay has emerged as the clear leader — but we’re still waiting for disruption. Smartphones have yet to displace cash or credit cards at the retail point of sale.
Countless mobile payment systems are active today — Apple Pay, Google Wallet, the Merchant Customer Exchange (MCX) CurrentC platform, and so on — but none has yet gained significant traction with merchants or consumers or become the standard for mobile transactions. And none of them look likely to seize that role for a while.
The 10 most promising payment and card solution providers Merry D'souza
The 10 most promising payment and card solution providers, September 2020; CIO Look admire their contribution in the evolution to local and global businesses.
Mobile Wallets In China: What You Need To Know Mark Opao
Sooner or later, mobile wallets will become a norm rather than a trend in the way we do payments in China, online or offline. In this report we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know- including the prominent wallet types, usage trends, key challenges and future prospects.
The banking and finance industry has been transformed since the inception of mobile banking and payments. From checking your bank balance on your mobile device to being able to host your entire POS on an iPad, mobile commerce is continually evolving. Here are a few of the most recent trends and the future of mobile and commerce.
Prepared by Helene Andre in January 2015
A brief overview of what 2015 holds for Mobile payments from the switch to EMV in the US to the emergence of mobile wallets
Ascent – Thought leadership from Atos Promises of a converging worldAscent Atos
A magazine into the future of our ever-more connected planet
This new Ascent magazine is the latest edition of the ascent thought leadership program from Atos and sets out how the years ahead will see era-defining change in the global technology landscape, further impacting the way we all connect, live and do business.
This magazine includes articles and views from business leaders, academia and the Atos Scientific Community. Each of the stories in this magazine can tell us something about the world that awaits us all.
A profile of the multi-channel shopper reveals a largely untapped opportunity for stores to engage today’s customers by living up to their high expectations for a seamless brand experience. Shoppers want the shopping experience to be connected and personal—a reflection of how they live and use digital. A supplement to Interbrand Design Forum's 2010 State of the Industry Report.
This is Interbrand Design Forum's 5th annual State of the Retail Industry report, which is produced in conjunction with Chain Store Age magazine. Entitled "Think Forward: In a Race with Change" the report discussed how Retail is being hit with a wave
of game-changing technology in the form of more than 9 million smartphones. As the act of shopping undergoes sweeping transformation, we will experience more change in the next five years than
we have in the past forty.
Presentación de Deborah Bianucci, Presidente & CEO del BAI (Bank Administration Institute) en el 31º Congreso Internacional de Marketing Financiero AMBA.
21 y 22 de septiembre de 2015
Banking Disruption in Financial Services: Threats and OpportunitiesDogTelligent
There are three forces shaping the future of banking. Technology innovation is the first. For most traditional financial institutions -- banks and credit unions -- technology innovation is a weakness; instead, they rely on third-party firms ranging from established core providers to startups to provide them with a mix of products that they repackage and resell to their customers. Demographics is the second force. Millennials now account for 25% of the US population with 80 million and growing. The third force is the emergence of new business models on the one hand driven by Millennial demand and communication preferences, and on the other, enabled by new technologies as they are invented.
The report examines data from multiple sources and suggests potential defenses for institutions to fend off competitive threats from technology, retail, and telecom firms that are gaining traction in the payments and banking arenas.
The 10 most promising payment and card solution providers Merry D'souza
The 10 most promising payment and card solution providers, September 2020; CIO Look admire their contribution in the evolution to local and global businesses.
Mobile Wallets In China: What You Need To Know Mark Opao
Sooner or later, mobile wallets will become a norm rather than a trend in the way we do payments in China, online or offline. In this report we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know- including the prominent wallet types, usage trends, key challenges and future prospects.
The banking and finance industry has been transformed since the inception of mobile banking and payments. From checking your bank balance on your mobile device to being able to host your entire POS on an iPad, mobile commerce is continually evolving. Here are a few of the most recent trends and the future of mobile and commerce.
Prepared by Helene Andre in January 2015
A brief overview of what 2015 holds for Mobile payments from the switch to EMV in the US to the emergence of mobile wallets
Ascent – Thought leadership from Atos Promises of a converging worldAscent Atos
A magazine into the future of our ever-more connected planet
This new Ascent magazine is the latest edition of the ascent thought leadership program from Atos and sets out how the years ahead will see era-defining change in the global technology landscape, further impacting the way we all connect, live and do business.
This magazine includes articles and views from business leaders, academia and the Atos Scientific Community. Each of the stories in this magazine can tell us something about the world that awaits us all.
A profile of the multi-channel shopper reveals a largely untapped opportunity for stores to engage today’s customers by living up to their high expectations for a seamless brand experience. Shoppers want the shopping experience to be connected and personal—a reflection of how they live and use digital. A supplement to Interbrand Design Forum's 2010 State of the Industry Report.
This is Interbrand Design Forum's 5th annual State of the Retail Industry report, which is produced in conjunction with Chain Store Age magazine. Entitled "Think Forward: In a Race with Change" the report discussed how Retail is being hit with a wave
of game-changing technology in the form of more than 9 million smartphones. As the act of shopping undergoes sweeping transformation, we will experience more change in the next five years than
we have in the past forty.
Presentación de Deborah Bianucci, Presidente & CEO del BAI (Bank Administration Institute) en el 31º Congreso Internacional de Marketing Financiero AMBA.
21 y 22 de septiembre de 2015
Banking Disruption in Financial Services: Threats and OpportunitiesDogTelligent
There are three forces shaping the future of banking. Technology innovation is the first. For most traditional financial institutions -- banks and credit unions -- technology innovation is a weakness; instead, they rely on third-party firms ranging from established core providers to startups to provide them with a mix of products that they repackage and resell to their customers. Demographics is the second force. Millennials now account for 25% of the US population with 80 million and growing. The third force is the emergence of new business models on the one hand driven by Millennial demand and communication preferences, and on the other, enabled by new technologies as they are invented.
The report examines data from multiple sources and suggests potential defenses for institutions to fend off competitive threats from technology, retail, and telecom firms that are gaining traction in the payments and banking arenas.
In this presentation, we look at this issue, the steps the banking community need to get right to engage with modern consumers and how to develop powerful mobile—based propositions that people actually want to use.
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Presentation on mobile payments and mobile money at the June 2013 SmarterCommerce Global Summit in Monaco. Includes description of relevant IBM product families that support mobile money and mobile payments.
Global Mobile Payment Methods 2013_by yStats.comyStats.com
Hamburg-based secondary market research company yStats.com has released a new report titled “Global Mobile Payment Methods 2013”. The report indicates that the practice of using mobile devices such as smartphones and tablets in online as well as traditional retail commerce continues to see growing acceptance around the world.
The Future of Mobile Payments – Role of mobile wallets in consumer purchase j...Data N Charts
This report will look into why US consumers aren’t warming up to mobile payment services and how mobile wallets can integrate shopping and peer-to-peer transfers to make payments relevant with smartphone owners for wider adoption.
Mobile Wallet - Tech Startup - $1 Billion OpportunityVenture Advisors
The market is changing. The future is changing. The banking and telecom business are challenging each other. The shift is clearly see. This is fusion of Banking and Telecom opportunity. This is future for both. This is One of best Tech Startup from Kuwait. Looking to be $1 Billion Startup.
An overview of the mobile wallets in China, we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know-including the prominent wallet types, usage trends, key challenges and future prospects.
Similar to Evans presentation on igniting mobile payments (20)
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
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Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
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#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
USDA Loans in California: A Comprehensive Overview.pptx
Evans presentation on igniting mobile payments
1. Igniting Mobile Payments
David S. Evans
Market Platform Dynamics
University of Chicago Law School
Mobile Money Conference
Berkeley, CA
11 October 2013
Proprietary and Confidential
2. My All Payments Sunday in Boston Last Year
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Used to pay for Starbucks
coffee with cash
Used to pay for taxis with cash
Now uses Starbucks iPhone
App to pay even for small
purchases
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Used to pay for lunch with cash
Now uses LevelUp iPhone App
Now uses Uber iPhone App to
order and pay for car service in
Boston and many cities
throughout the US
Proprietary and Confidential
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3. MOBILE PAYMENTS GROWTH IS EXPLODING!
JUST READ THE HEADLINES
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4. Explosive Growth of Mobile Payments Around the World!
…worldwide transaction value of mobile payments will total $984 billion by 2014, up from $162
billion last year. That includes transactions from mobile banking, international and domestic
remittances, contactless cards, mobile coupons and near-field communications.
Mobile payments will represent 15% of all card transactions by 2013, and will overcome card
volumes within 10 years if growth continues at the same rate, according to the World Payments
Report 2011.
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5. The Japanese & Koreans Use Mobile Payments Like Crazy
“Each month last year, four million South Koreans
bought music, videos, ring tones, online game
subscriptions and articles from newspaper archives and other online items and charged them to their
mobile phone bills, without going through any bank or credit card. The amount totaled 1.7 trillion
won, or $1.4 billion at current exchange rates, last year. South Koreans have done this since 2000.”
– The New York Times, 2009
…Japan and Korea are widely acknowledged as global
leaders in … m-payments…”
– KPMG, 2007
“Emerging markets in Asia will lead the way in mobile payments
(m-payments) over the next several years..”
– ZD Net, 2011
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6. And Mobile Payments Use Is Accelerating in the US
Mobile devices are edging closer to fulfilling their long-delayed promise as digital wallets.
Consumers are beginning to see the advantage of channeling offline payments through their mobile
devices, rather than carrying around clunky coins and cash — even debit and credit cards.
Consumers are primed to go wallet-free and begin paying for goods and services via their mobile
devices, and as a result, mobile payments are set to explode.
- July 2013
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7. Mobile Payments Is Growing Like Gangbusters Outside the US,
What’s Wrong With Us?
“Prevalent elsewhere in the world, particularly
Europe and Asia, mobile payments have a
combined global market value projected to top
$600 billion by 2013. In some developing countries,
mobile payment devices are even being used for
micropayments…. Yet, in the United States, mobile
payments have failed to gain traction”
- April 2009
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“Consumers in Japan also pay with their
cellphones more than Americans do, said Ray
Ledford, who lives in Japan but spends half his
time in the United States on work.”
- July 2013
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9. THE REALITY VS. THE HYPE
What’s Really Going On
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10. Hundreds of Mobile Payments Pilots and LaunchesAround the World
in Last 7 Years
Source: PYMNTS.com, CTIA, NFC Times
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11. Yet Mobile Payments Has Significant Volume in Few Countries
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12. Even Japan and Korea Aren’t As Successful as You’ve Been Lead to Believe
DoCoMo’s gamble on contactless wallet phones has yet to
pay off, despite the impressive numbers of contactless
phones, mobile applications and acceptance points.
Transactions figures showing how much Japanese subscribers use the phones are hard to come by.
Some estimates put regular use at about 10%, though more tap their phones to pay on a less
frequent basis.
- November 2009
…a lack of understanding between the
finance and communication industries has so
far held up the development of the (Korean)
mobile payments market.
- February 2012
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13. Outside of Starbucks Most Americans Can’t Pay at POS with Mobile
Peoria isn’t Palo Alto! In most of the country the only place you could pay with mobile is
at a Starbucks. The penetration of true mobile payment platforms is VIRTUALLY ZERO!
Total US Merchants
Total Card Accepting Merchants = 8.5 million
And not many transactions are happening
at the few places that take mobile
payments—except Starbucks.
5,000 Merchants
Square Wallet: 250,000 Merchants
7,000 US its stores
@ Physical POS: 250,000
Merchants
Source: Company websites, MPD Analysis
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14. What Is a Mobile Payments Platform?
Mobile payments platform enables many consumers
to transact with many unaffiliated merchants—just like
“general purpose cards”
LevelUp is a mobile payments platform
because consumers with the app can pay
at many independent merchants
Single-use applications for paying such as Starbucks,
Uber, iTunes are important for mobile payments but
aren’t platforms—they are like “store cards”
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Our focus today is on
mobile payments
platforms and igniting
two-sided platform for
consumers and merchants
15. GETTING TO SIZZLE RATHER THAN FIZZLE:
LESSONS LEARNED FROM MULTISIDED PLATFORM ECONOMICS
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16. OpenTable Is An Intermediary Between Diners and Restaurants
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17. OpenTable Solved a Transaction Cost Problem
$162 million revenue in 2012 | $1.4 billion markets cap
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18. Restaurants Pay & Consumers Use for Free
$139 million NA revenue in 2012 | $1.4 billion markets cap
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19. Positive Feedback Effects Fueled Growth
122 million diners seated with
OpenTable in 2012, up from
96 million in 2011
27K restaurants in 2013 Q1
up from 24K in 2011 Q4
More than 15% annual growth
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20. OpenTable is a Two-Sided Platform
It provides a web-based “platform” that
enables diners and restaurants to find
each other and get together.
The platform is an intermediary between
restaurants and diners.
General purpose payments is a two-sided
platform involving senders and receivers
of funds.
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21. Platforms need critical mass to ignite
Critical mass
Critical mass refers to the minimal set of customers on each side that is
large enough to attract more customers and result in sustainable positive
feedback
Cri$cal
mass
depends
on
scale
and
balance
Probability of customers from two sets getting together and exchanging
value increases with the number of customers on each side
Pla2orms
implode
if
they
can’t
reach
cri$cal
mass
If there aren’t enough customers on the other side the probability of
advantageous exchange falls and customers don’t join and the early
adopters who have eventually leave
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22. WHY NO MOBILE PAYMENTS MOJO IN THE US?
IT’S NOT A TOUGH QUESTION TO ANSWER
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23. Problem 1: Problem, What Problem?
Consumers and merchants can transact easily with
plastic cards
Swipe transactions take about a second
Consumers have muscle memory in doing them
Merchants are all set up to take them
Almost ubiquitous use by consumers and
merchants
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Where’s the
transaction-cost
problem?
24. Problem 2: Merchant Acceptance
Millions of merchants have sunk cost
investments in POS equipment
POS systems integrated with back-end
systems
Change requires training sales clerks
Any change in POS risks disruption and loss
sales in addition to incremental investment
cost
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Show me the
money!!!
25. Problem 3: Consumer Adoption
Why download and use a new mobile payment
app if you can’t use it at many merchants?
And the merchants that take it get so few
transactions the clerk doesn’t know what to do.
Paying with mobile isn’t any faster than swiping,
so why bother?
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Show me the value!!!
26. Meta-Problem: No Chickens or Eggs
Consumers don’t have a compelling reason to
want to pay with mobile
Merchants don’t have a compelling reason to
accept mobile payments
Both problems are hard to fix unless mobile
payments is significantly better than what
consumers and merchants are now doing
But it can’t be (much) faster …
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Show me the critical
mass!
27. THE NFC DEBACLE & THE TRAGEDY OF THE HYPE
We’ve Seen This Movie Before
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28. NFC’s Chicken and Egg Problem
Card networks have been pushing NFC-based
contactless cards since early 2000s globally.
Massive hype on success of NFC and the
inevitability of NFC-based payments at point
of sale
Reality has been only small portion of
merchants in most countries have installed
contactless terminals
Consumers have shown little interest in using
the cards
Leading to merchants having even less interest
in investing in terminals.
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After a decade
there is modest
success in
Canada, UK, and
Poland… but NFC
is a complete bust
in the US and
almost
everywhere else
29. The Incredible Shrinking Inevitable Technology
Yet many industry analysts continue to predict growth in NFC only to reduce their optimism later on.
In fact, Gartner this past July was highly publicized for cutting their NFC forecast by 40%. Juniper
also reported significant drops in forecasted volume vs. previous reports.
NFC Forecasts 2009 – 2013
$USD Billions
June 2012
$200.0
$150.0
Dec 2012
March 2012
$100.0
July 2013
Feb 2011
June 2011
$50.0
Sept. 2009
Sept. 2011
March 2012
$2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Source: Juniper, Gartner, Yankee Group, Informa, NPD Group
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30. Hundreds of Millions of Contactless Cards But No Place to Use Them
Global MasterCard-Enabled POS Terminals
Total Terminals = 35.9 million
PayPass-Enabled terminals today:
886,000 or approx 2.5%
Planed 3yr deployment in Japan:
410,000 will bring total to 3.6%
Source: MasterCard 2012 annual report, company press releases
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31. Payments Networks and Telecoms Banked on NFC
And Tried to Convince That NFC Was Growing Rapidly and “Inevitable”
PROJECT OSCAR
PARTNERSHIPS
NFC SPECS
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“Vodafone’s customer base spans
across more than 30 countries, which
means our partnership may become
one of the biggest, global
implementations of NFC and mobile
commerce,” said Dr. Jae Chung,
CorFire’s president and CEO.
- October 2012
32. The NFC Debacle and the Mobile Fizzle
Many Mobile Payments Startups and Pilots Walked into the NFC Trap
A FEW EXAMPLES
• Hundreds of millions of $ wasted on
NFC initiatives
• Lost decade of innovation at the POS
• Driven by NFC-devotees and fueled
by hype
• Massive distraction for mobile
payment platform entrepreneurs
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34. Fizzle (So far) | Google Wallet
Google’s 2011 Strategic Priorities
1| Focus on developing the underlying fast mobile network
2| Increase the availability of inexpensive smartphones for the entire world
THE HOPE
3| Development of mobile money
• Osama Bedier recruited away from PayPal in 2011
• Team swells to 500 by 2012
• Android market share growing at pace of 400k
devices per day
“Google [Wallet] doesn’t have a chicken-and-egg problem: It
is reasonably banking on the natural consumer upgrade cycle
for smartphones to help fuel demand for NFC phones, which
in turn will put Wallet in more pockets.”
THE BET
- Sam Gustin, Wired, May 2011
Minimal Acceptance x Minimal Adoption=Fizzle
THE FIZZLE
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•
•
•
•
•
Merchant, MNO, & Network resistance
Negligible transaction volume
Bedier departs May 2013 (really late 2012)
Losses total an estimated $500M
Closed down and folded into advertising/commerce
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35. Sizzle| mPesa
mPesa Users and Agent Growth
• Addressed massive transaction costs
associated with moving money between
urban in rural areas
• Launched by Vodafone/Safaricom in March
2007 as a service to facilitate banking
deposits, P2P, and bill pay
• By 2010 was adopted by 40% of the adult
population and 60% of Safaricom customers
• Processes more transactions than Western
Union does globally
• Now used by over 17m Kenyans, equivalent
to more than two-thirds of the adult
population & approx. 25% of GDP now
flows through it
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Source: The Economics of M‐PESA , 8/2010
36. Sizzle or Fizzle?| Square
Square Annual Processing Volume
($USD Billions)
• Launched in 2010 as a mobile POS reader to enable small
merchants to accept payments
• The reader didn’t have a chicken & egg problem. Consumers
already had cards & Square solved for the friction of
needing to pay small merchants by cash or check
$15
Moneris: $12B
$12
EVO: $10B
• Reporting $15 billion in annualized volume outside of
landmark partnership to process payment for all 10,000+ US
Starbucks stores
$9
• Expanded to become a true mobile payments & commerce
player with the launches of Card Case (now Square Wallet)
and Square Market.
$6
• Reported 3MM customers and 250,000 merchants using
Square Wallet in December 2012 but there is no indication
on how active either of these players are. Independent field
tests report that most merchants don’t know how Square
Wallet works and haven’t had customers ask to use it
$3
BB&T: $7B
$M-12
J-12
N-12
M-13
J-13
Source: Company Reports, Nilson
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38. Bedrock of Platform Ignition
A new platform has to generate significant
additional value to get customers on both sides
to join and interact.
Successful platforms such as OpenTable and
Uber generally do this by solving a significant
transaction problem.
That “value generation” provides incentives to
join or revenue stream that can be used to
subsidize hard-to-move but necessary
participants.
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39. Igniting Mobile Payments Won’t be About Payments
There’s no significant transaction problem
involving consumers making payments and
merchants receiving payments at the physical
point of sale.
“Payments” innovation in fact historically hasn’t
been about payments but time shifting of
payments and receipts, fraud protection, and
value-added services such as financing.
Mobile “payments” will need to provide a value
beyond what physical cards can do today.
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AMERICAN EXPRESS isn’t
successful because they
enable payment. Its because
of everything else that comes
with being a cardholder
40. The App is the Key to Mobile Payments Ignition
Its About Closing the Loop Between Consumers & Merchants
THE PAYPAL ECOSYSTEM
Mobile phone apps provide ability to
bundle many services that facilitate
commerce
Mobile
payments app
Search is now for an app that provides
enough value to merchants and
cardholders to reach critical mass
Handsfree at
the POS
Competition currently focused on
providing location-based offers and
rewards to drive incremental sales for
merchants and value to consumers
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Beacon
41. Why Ignition Will be Slow
Unconvinced merchants
with long POS
replacement cycles
•
•
•
•
8 million merchant
2-3 year replacement cycle
Don’t know what technology to
invest in—NFC, bar code,
Bluetooth, ?
Have little appetite to invest
without clear ROI
Consumer “muscle
memory” & lack of
motivation
2012 UK Study
64%
68%
52%
Worried about
theft of acct &
payment data
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Tension among major
stakeholders
Ok with how
they pay
Concerned
about fraud
& security
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42. Why Takeoff Could Happen Sooner & Be More Rapid
• Innovations in cloud-based solutions with slick interfaces persuade merchants they need to
change POS experience: innovative retail or die
• Competition among “app” developers results in “killer” app for mobile payments leading
consumers to want to use it and merchants to want to take it.
• A “Black Swan” emerges with a mobile solution no one had every thought about
Apple iBeacons Ecosystem
Total iTunes Accounts
In Millions
575
iOS-Powered POS Systems
400
160
10
50
Ave square meters per store: 16,258
Beacons to cover
an entire store =
75
NFC Tags for
100k products =
$5,000
200
2005 2008 2009 2010 2011 2012 2013
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SAMPLE iBEACON ECONOMICS
$10,000
Source: Gigaom, Estimote
Proprietary and Confidential
44. Reflections on the Mobile Commerce Field of Play
1 | Ignition delayed because players have focused on the technology for paying rather
than solving for value
2 | Mobile payments delayed because networks and telcoms hyped a technology that
gave them control but couldn’t secure critical mass.
3 | Mobile payments ignition delayed because entrepreneurs and investors vastly
underestimated the complexity of changing POS involving sunk cost investments in
hardware, software, training, etc.
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45. Retail Reinvention … The Catalyst for Mobile Commerce Ignition
Simultaneous adoption of mobile POS solutions
as part of the reinvention of retail
and increased use by consumers of mobile phones
provides foundation for ignition –
Once there is a killer app!
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46. THANK YOU
David S. Evans
David.Evans@MarketPlatforms.com
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