The document discusses the growth of mobile payments and emerging mobile payment platforms. It notes that as the number of wireless devices increases to outnumber wired devices, everything digital will become mobile including payments and commerce. It then summarizes some of the major mobile payment methods like premium SMS, mobile billing, NFC, and electronic wallets. Key platforms that could see success are discussed like ISIS Mobile Wallet, Google Wallet, and PayPal. The document concludes that financial transactions are undergoing massive changes due to the mobile revolution and that there will be multiple winners in the mobile payments space.

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