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MOBES project
- 2. Over
• Mobiele Betalingen Ecosysteem
• Project van LSEC met Agoria ICT, Agoria Banking Club en Mobile Monday
Brussels
• Samenwerkingsverband voor de ontwikkeling van een haalbaarheidsstudie
voor de ontwikkeling en ondersteuning van een eco-systeem voor mobiele
betalingen
• verder
• onderzoeken wat de voorwaarden en moeilijkheden zijn voor een mobiel betalingsysteem in
België
• in kaart brengen welke bedrijven hierin actief zijn,
• onderzoek verrichten naar de kritische succesfactoren op basis van internationale ervaringen,
• relaties met internationale partners ontwikkelen
• internationale markt voor de Vlaamse bedrijven exploreren en innovatiemogelijkheden
identificeren.
• evalueren of het haalbaar is een aantal van die factoren te faciliteren en een
aantal mogelijke beperkingen te verminderen of weg te nemen.
• zinvol is om verschillende evoluties te ondersteunen en mekaar te laten
versterken.
• op termijn : innovatiesamenwerking en platform voor internationale
samenwerking
© Leaders in Security – LSEC, 2012, Private & Confidential? p 2
- 3. About : objectives?
European Mobile Payment Ecosystem
Objectives are diverse, but finally to support the widespread deployment of mobile
payment systems in Europe.
1. Identify the providers, facilitators and market, their types of services,
channels, technologies, business models, and other relevant information
2. Promote mobile transaction activities amongst the participants and the
market, facilitate the take-up by consumers, merchants and policy makers
3. Identify common challenges of the market such as security, user interfaces,
trust, …
4. Align interests or facilitate activities that allow to overcome these
challenges
5. Identify market developments, market needs and facilitate innovation
6. Become an interface to other interest groups and public authorities,
representing the industry
7. Promote the European excellence in Mobile transactions business in other
markets
© Leaders in Security – LSEC, 2012, Private & Confidential? p 3
- 4. Mobiele Betalingen
1. Marktevolutie
2. Transactieverwerking en technologiemodellen :
het ecosysteem
3. Uitdagingen
4. Opportuniteit en Innovatie in België
5. Over LSEC
© Leaders in Security – LSEC, 2012, Private & Confidential
4
- 5. © Leaders in Security – LSEC, 2012, Private & Confidential? p 5
- 7. Perspectives on mobile payment developments
1. Motivators (Drivers)
1. Offering added value for consumers, merchants mobile operators,
financial institutions and other participants in the ecosystem
2. User experience/easy to use
2. Inhibitors - Barriers (to entry for mobile payment):
1. Complex value chain with lack of co-operation
2. Financial regulation
3. Security/risk (perception of security/risk)
4. Cost (transaction costs, learning costs, obsolescence cost, …)
5. Unavailability of a broad range of mobile payment
6. capable handset
7. Lack of interoperability/lack of technology standards
© Leaders in Security – LSEC, 2012, Private & Confidential
7
- 8. Perspectives on mobile payment developments
Secrets of success :
1. Security :
1. Risk is the key driver for transactional behaviour
2. Determined by transactional context (buyer/seller)
2. Availability of ubiquitous and interactive phones
3. Behavioural aspects of adoptation to innovation
4. Taking into account Regional differences
5. Cooperation :
1. Need for cooperation on standards, security features and business
models across industries (banks, telcos etc) *
2. Collaboration with Telecom/mobile operators necessary and key !! *
Mobile operators dominates today the mobile distribution
(both handset and services)
3. For both industries to succeed, business models needs to encompass
both banks and mobile operators *
* Norwegian Bank in a discussion with the European Counsel, 2010
© Leaders in Security – LSEC, 2012, Private & Confidential
8
- 9. Security on mobile
• Attacks against the device itself
• Attacks against data in transit (from/to the device)
• Attacks against data in storage (in the device)
• Attacks against the owner of the device
© Leaders in Security – LSEC, 2011, Private & Confidential, p 9 Source : LSEC Mobile Security, 2010
- 10. Security on mobile
© Leaders in Security – LSEC, 2012, Private & Confidential, p 10 Source : LSEC Infosecurity Theatre, 2011
- 11. What : build your own
© Leaders in Security – LSEC, 2012, Private & Confidential, p 11 Source : LSEC Infosecurity Theatre, 2011
- 12. What : mobile
© Leaders in Security – LSEC, 2011, Private & Confidential, p 12 Source : LSEC Mobile Security, 2010
- 13. Road Map
Now Now Now Now 2013 2014 2015
© Leaders in Security – LSEC, 2012, Private & Confidential? p 13
- 17. Security Seminars
1. Beschikbaar : 2. Binnenkort :
1. BYOD 1. 07.06 : Security Hardening
2. Biometrics 2. 27 – 29.06 : Privacy By Design
3. Security Hardening 3. 11.09 : Big Data
4. Vulnerabliity Management & 4. 13.09 : Datacenter Security
Intrusion Detection 5. 10-11.10 : Mobile Payment
5. Cloud Security 6. 23-24.10 : ISSE 2012 Brussel
6. Online Social Networking & Security 7. 14-15.11 : IDentityNext
7. Mobile Data
8. Identity Management - Authentication
9. Data Protection & Privacy
10. Cybersecurity
11. Virtualization
12. Web Application Security
13. Fraud
14. Security Management
15. ....
© Leaders in Security – LSEC, 2012, Private & Confidential, p 17
- 18. Strategic Security Innovations
1. Industrial Automation, Building Automation & Process Systems
2. Financial Services
3. Healthcare
4. Cloud Systems
5. Security Hardening
6. Automotive
7. Healthcare
8. Utilities – Energy
9. ...
© Leaders in Security – LSEC, 2012, Private & Confidential, p 18
- 20. © Leaders in Security – LSEC, 2011, Private & Confidential 20
- 22. Questions ?
THANK YOU
Q or C
Ulrich Seldeslachts
ulrich@lsec.be
+32 475 71 3602
© Leaders in Security – LSEC, 2012, Private & Confidential? p 22
