Inspiring the mobile payment experience: what next for people, culture, technology

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The document discusses potential future directions for mobile payments in terms of people, culture, and technology. It explores how spending patterns could create new money management behaviors and values, extending notions of community. Mobile payments may become a tool for grooming social networks and actively teaching money management skills. The document poses questions about what may happen if people come to trust mobile operators more than banks or if mobile money is used to teach life skills.

Inspiring
the
mobile
payment
experience:

what
next
for
people,
culture,
and
technology

Ravi
Chhatpar

Strategy
Director,
frog
Shanghai

EFMA

September
27,
2011

inspiration
innovaGon
begins
with
the
search
for

the right question
inspiraGon
begins
with
the
search
for

mobile payments
discovering
quesGons
about
the
future
of

trust
emerges
from
that
which
provides
tangible value

value
does
not
always
come
from
formal institutions

value notions
spending
paIerns
create
new

money management behaviors
which
create
new

what
happens
when
people
trust
mobile
operators

more than banks?

real-‐world
social
networking
for
life opportunities

social and cultural norms
community
behaviors
guided
by

mobile spending behaviors
and
create
new

what
happens
when
mobile
money
becomes
a
smarter
tool

to groom social networks?

what
happens
when
the
mobile
payments
plaMorm
acGvely

teaches money management?

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Inspiring the mobile payment experience: what next for people, culture, technology

1. Inspiring the mobile payment experience: what next for people, culture, and technology Ravi Chhatpar Strategy Director, frog Shanghai EFMA September 27, 2011

3. inspiration innovaGon begins with the search for

4. the right question inspiraGon begins with the search for

5. immersive living

6. immersive commuting

7. immersive working

8. to get from here…

9. to here!

10. mobile payments discovering quesGons about the future of

11. trust emerges from that which provides tangible value

12. value does not always come from formal institutions

13. nor from mainstream brands

14. value notions spending paIerns create new