iPhone 6 Screen Size & Mobile Payment Solutions
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This document discusses trends in mobile devices, payments, security, and mobile marketing. It notes that iPhone 6 saw larger screens which were well received, and that both iOS and Android provide options for consumers and opportunities for developers. It also discusses problems with payment friction and security, and proposes solutions like simplified login-free payments and a social couponing app to address issues in mobile app discovery and marketing.
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iPhone 6 Screen Size & Mobile Payment Solutions
- 1. iPhone 6 & What’s Behind the Larger Screens
- 2. iPhone 6: Bigger is Better
- 3. Great Devices, Only Getting Better
- 4. Top Smartphones, Top Smartphone Platforms, Top Tablets, Top PCs Vendor 2Q14 Unit Shipments 2Q14 Market Share 2Q13 Unit Shipments 2Q13 Market Share Year-over-Year Growth 1. Apple 13.3 27% 14.6 33% -9% 2. Samsung 8.5 17% 8.4 19% 2% 3. Lenovo 2.4 5% 1.5 3% 65% 4. ASUS 2.3 5% 2 5% 13% 5. Acer 1 2% 1.5 3% -36% Others 21.9 44% 16.4 37% 33% TOTAL 49.3 100% 44.4 100% 11% Data from comScore, Inc, and IDC
- 5. Best Phones of 2014 Data from CNET, October 15, 2014 Editor’s Picks
- 7. Mobile Not Immune from Security Threats
- 8. The Problem with Payments (Mobile or otherwise) • Payment Friction • ID Theft, personal information theft, credit card fraud • Increased customer service costs associated with forgotten passwords and user names
- 9. A Solution to the Payment Problem (Mobile or otherwise) Payments without login Ids or passwords
- 11. Mobile Marketing Opportunity Is $30B in the USA
- 12. Mobile Marketing Landscape • Lack of transparency to track across channels and devices. • The second is a lack of ability to overlay audience data.
- 13. A Solution to the App Discovery and the Mobile Marketing Problem MyBeanJar delivers targeted digital coupons as rewards for achievements in Online and mobile games.
- 14. Key Take Aways • DEVICES: Both iOS and Android offer tremendous opportunities for developers and options for consumers. We are living in a time of wonderful choice. • PAYMENTS: The solution to the security and friction problem lies in simplification and ultimately widespread adoption of a password and login free solution. • SECURITY: Beyond payments the security problem will never be 100% solved – as there is always that one person who succumbs to the too good to be true email offer. Vigilance and education are key to reducing risks to you and your business. • APP DISCOVERY AND MARKETING: A social / viral couponing solution with dashboards for publishers and brands will go a long way to solving the discovery problem and the mobile marketing ROI problem.
- 15. Links • comScore Reports August 2014 U.S. Smartphone Subscriber Market Share http://www.geekwire.com/2014/blackberry-may- finally-hit-rock-bottom-u-s-market-share/ • IDC Tablet Tracker http://www.idc.com/getdoc.jsp?containerId=prUS25008314 • The Business Insider: The Future of the Payments Industry http://www.businessinsider.com/the-future-of-the-payments-industry- 2014-slide-deck-2014-7?op=1 • NFC Purchase Growth http://www.statista.com/statistics/244487/number-of-us-proximity- mobile-payment-transaction-users/ • Developer Economics: http://www.developereconomics.com/reports/q1-2014/
- 16. Links (cont) • Sekur.me payment solution http://www.sekur.me/ • MyBeanJar publisher & advertising solution http://www.mybeanjar.com/ • KPCB Internet Trends 2014 http://www.kpcb.com/internet-trends • Fireeye Operation Saffron Rose “Honeynet Project” http://en.wikipedia.org/wiki/Honeynet_Project
- 17. Links (cont) • Metcalf Incident: “Assault on California Power Station Raises Alarm on Potential for Terrorism” http://online.wsj.com/news/articles/SB1000142405270230485110 4579359141941621778 • Milken Institute “High Stakes in Cyber Security” http://www.milkeninstitute.org/presentations/mediapage.taf?ID=4 818 • Verizon Data Breach Investigation Report: http://www.verizonenterprise.com/DBIR/ • The New Threat Landscape: http://www.fireeye.com/info-center/ videos/?video=new_threat_landscape
- 18. Thank You!
Editor's Notes
- And the new devices just released, offer even more!
- Top Smartphone OEM (August 2014) in the U.S. Is Apple with 42% market share. Top Smartphone Platform (August 2014) in the U.S. is Android with 52% market share Top Global Tablet Vendor Apple with 27% market share and losing 9% YoY Top U.S. PC OEM is HP. For the first time ever Apple maintains a 13% market share and is growing. NOTE: ALL CHARTS ON THIS PAGE REFLECT US MARKETSHARE EXCEPT THE TABLET CHART
- These six phones are the only six to receive the rating of “outstanding” from CNET’s Editors. As you would expect, Samsung and Apple hold four of the top six spots.
- These slides came from Business Insider and Statista. As many of you are probably aware, as a result of security issues, the United States is transitioning to cards with embedded chips, which will require retailers to upgrade their terminals – most of these terminals will be NFC enabled. Merchants top two concerns are security and frictionless payments. Every major payment ecosystem player is in this race – from the terminal vendors, the banks, the credit card companies to the mobile device vendors (like Apple). NFC payment users are expected to grow from ~ 11 million today to 57 million in 2018 and that mobile wallet payments will grow from $1.8B to $189B in that same time period. There is tremendous disagreement in the investment community about Apple Pay –Sterne Agee analysts said they view Apple Pay as "another payment tender type, and not as a tremendous payments disruptor." While Icahn sees Apple Pay as a future growth engine. In the U.S., which is where Apple Pay is launching, at the moment, there are 220k locations that accept NFC payments. That’s out of 9 million merchants. < 3% of all merchants accept NFC payments, it’s a small share of the card accepting locations and represents an extremely small share of spend. Now, to be fair, the EMV migration in the US is going to mean that new terminals will ship with NFC capabilities but they are being shipped dark. The largest merchant in the world, Walmart, has said no way to Apple Pay, even though they have NFC capabilities in their EMV-enabled terminals. http://www.pymnts.com/news/2014/icahn-gets-apple-pay-math-wrong/#.VDyJvPldV8E Many analysts were waiting for Apple to finally enable the NFC component of their device for commerce – now that has happened – or soon will be. The trajectory looks good for NFC overall. The winners are yet to be decided.
- Home Depot and JP Morgan in recent weeks announced significant data breaches – Home Depot saw 53 million credit and debit card account information compromised. JPMorgan said last Thursday that cybercriminals had obtained customer names, addresses, phone numbers and e-mail addresses for 76 million households, the company’s stock price has hardly budged. Target had 40 Million credit cards stolen, and the data breach cost them $148M. New payment solutions with optimal user experience are required across the entire e-commerce shopping ecosystem, under which mobile shopping falls. Online and physical payments need to be fast, safe and easy. According to Google, "shopping cart abandonment on mobile devices is now an outrageous 97 percent".
- SEKUR.me provides increased conversions and more repeat customers, while giving shoppers a secure and ultra-convenient payment process. It is the antidote to payment friction and features: 1-Click Mobile Web Payments for mobile enabled websites (mCommerce) fastest checkouts, under 10 seconds, the only patented QR Payments in the US for eCommerce Ultra-secure payments
- 88% of all developer’s apps earn <$10K month. Only 2% of all App Developers have a sustainable business model, as they generate more than $100K monthly. As we have discussed and read, there are many, many apps in the various storefronts of Amazon, Apple, Google and Microsoft, but very, very few make it. The primary problem is discovery. There are simply too many Apps and NOW, the Apps can migrate with customers as they transition from device to device – this will probably become more pronounced if the Ultraviolet solution for DRM management is deployed across the App Ecosystem.
- This information is from the KPCB Internet Trends Presentation and clearly shows there is opportunity in mobile marketing – but there are issues.
- As is true of most new technologies, it is currently difficult to measure mobile marketing ROI and as a result many companies are unwilling to invest. Demographic data is difficult to obtain. Without demographic data marketers are unable to find and market to their target audiences. Mobile display is faced with an incredible glut of supply. There are billions of devices all producing more potential ad inventory than the industry can possibly sell -- through social media, gaming, apps, the mobile web, you name it. This means the value of that inventory, even if it could be easily tracked and targeted, will face downward pressure. Adding to the supply issue is fragmentation. Today in mobile, small pockets of highly valuable inventory are perpetually sold out, while huge swaths of the remaining inventory go unsold. Mobile -- unlike desktop where one can buy data-driven behavioral audiences at scale anywhere -- is limited to buying mainly based on the device characteristics and limited, publisher-specific data. In this case, iOS iPads will always be sold out while the same valuable audience, which is also on Android, remains undersold and underpriced because we lack tracking and data. Tracking is broken. This challenge is the most concerning. There is no consistent and universal way to identify, recognize, track, and target mobile devices while respecting consumer choice. Despite the enormous potential of the mobile advertising market, the types of tools marketers have come to expect and rely on in the desktop world just aren't available.
- MyBeanJar solves the discovery problem on the decks by allowing them to cross promote their games through a viral community centric approach “word of mouth”. Brands / sponsors are provided pinpoint targeting to their customers at just the right “ahah” moment. Brands are able to determine mobile marketing ROI and attain end user demographic data.