This document discusses trends in mobile proximity payments. It notes that mobile is becoming the dominant channel for activities like commerce, payments, and identity. Security and trust are also important topics. There are various hardware and software options for storing payment credentials, with host card emulation (HCE) currently a major trend. Interoperability between different components and ecosystems can be challenging. The document outlines the opportunities for diverse mobile transactions like ticketing, payments, access control, and loyalty programs. It discusses technologies like near field communication (NFC), QR codes, and Bluetooth low energy (BLE) that enable proximity payments and transactions. Collaboration between stakeholders in mobile commerce can take different forms, from joint marketing to fully integrated joint ventures. Overall
Future of Payments - Retail 2.0 (May 2014)Peter Gonzalez
The Retail Technology landscape is ripe for change due to (1) new tablet and mobile systems beginning to mature and proliferate, (2) eCommerce achieving scale and fundamentally changing the way retailers operate their business, and (3) an accelerating upgrade cycle driven by EMV and the end-of-life for Windows XP. This creates opportunities for new entrants with innovative next generation and omni-channel solutions to quickly gain traction and force massive shifts in global market shares.
Fintan Byrne, Senior Vice President and General Manager of TNS and Mark Beresford, a Director of EDC, opened proceedings in the Retailer Payments Theatre at RBTE. Their presentation, Changing Times: Trends in the Payments Value Chain, evaluated how evolving consumer behaviour is shifting power and influence to the customer.
Future of Payments - Retail 2.0 (May 2014)Peter Gonzalez
The Retail Technology landscape is ripe for change due to (1) new tablet and mobile systems beginning to mature and proliferate, (2) eCommerce achieving scale and fundamentally changing the way retailers operate their business, and (3) an accelerating upgrade cycle driven by EMV and the end-of-life for Windows XP. This creates opportunities for new entrants with innovative next generation and omni-channel solutions to quickly gain traction and force massive shifts in global market shares.
Fintan Byrne, Senior Vice President and General Manager of TNS and Mark Beresford, a Director of EDC, opened proceedings in the Retailer Payments Theatre at RBTE. Their presentation, Changing Times: Trends in the Payments Value Chain, evaluated how evolving consumer behaviour is shifting power and influence to the customer.
Mobile in Banking and Finance - What Make Sense and What Notr4b
In recent years, the banking & financial services industry has been undergoing rapid changes, reflecting a number of underlying developments. Internet, wireless technology, and global straight-through processing have created a paradigm shift - from brick-and-mortar banks to banking virtually across time zones, geographical locations, access points and delivery channels. Today Mobile revolution has disrupted banking industry and this presentation provides a detailed discussion about issues of Mobile Banking.
Transformation of the Electronic Payments Industry - Strategies for Growthfrancisfoo
This presentation provides a glimpse into the evolution of the digital payment industry and a discussion of both short-term and long-term strategies that players in this space could potentially adopt to stay ahead of the competition.
I've diverse interests across wide-ranging topics and industries and I thoroughly enjoy analyzing information and devising strategies to help companies better position themselves for the challenges ahead.
If you require more information and data, feel free to reach out to me at francisfoo@wustl.edu or connect with me on LinkedIn www.linkedin.com/in/francisfoo/.
Thank you for your interest! Hope you find the information useful.
Presentation to 2013 Cards & Payments Conference.
What our customers are asking for.
Quant research indicating key shopper needs are (1) link payments and loyalty cards (2) make m-commerce less hassle
Qual research indicating little interest in many new payment ideas
Mobile marketing webinar Alcatel-Lucent and Proximity BBDOToon Coppens
Webinar subject: How to Apply Mobile Applications and an e-wallet within your Media, Promotion and Communication Mix
Target audience:
- Enterprise: merchants, retailers, brands, verticals
- MNOs: Value added services, mobile payment, mobile marketing, mobile advertising
Speakers: Jo Heirman, Proximity BBDO (part of Omnicom group) + Toon Coppens, Alcatel-Lucent Mobile Wallet Service
Webinar recording available at: http://w.on24.com/r.htm?e=243024&s=1&k=9597DB465C3611C46862AE9CCE845E52
Tablet POS Broadens Opportunities for Merchant Payments - A VeriFone White PaperVerifone
Tablet-based mobile POS solutions are today's hot topic for merchants that want to showcase the latest technology, while taking advantage of the many benefits tablets vs. traditional cash registers provides.
This WP, designed specifically for resellers, equips you with the knowledge you need to accurately promote the many benefits of an mPOS solution.
Retail Payments Report - Sponsored by VeriFoneVerifone
This survey aimed to see if the goals of Retailers and Merchants are aligned with the suppliers of technology and services to both Consumers and Retailers/Merchants. Especially in focus are new technologies like contactless cards, NFC payments on cards or in wallets, QR-codes, related values added mobile services, and the mobile-POS terminals (mPOS) launched for the emerging markets of small and mobile merchants.
ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. Learn more: http://www.aciworldwide.com
In his presentation Nick will focus on NFC experiences in Europe and talk on recent projects in the field of transport and payment.
Nick Mirza works since 2009 as Business Development Manager at “The Human Chain Ltd”. There he is working with partners that are moving towards launching mobile services with NFC. Before that position Nick was working at Nokia and worked as Business Development Manager for NFC Consumer Services.
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.
What’s Next In Mobile POS: Saving Money And Square Footage With mPOS TechnologyG3 Communications
Mobile payments are expected to top $12 billion in 2012 and more shoppers are using smartphones and tablets for product research and transactions every day. Barney’s and other leading retailers are embracing mobile and implementing mobile POS (mPOS), resulting in increased conversions and improved customer service.
In this webinar, Greg Buzek from IHL Group will share highlights of the firm’s latest POS study, providing insights for retailers looking to expand their mobile presence. Presenters from MICROS-Retail and Zebra Technologies will join the discussion to share real-world case studies and build the business case for mPOS.
Mobile in Banking and Finance - What Make Sense and What Notr4b
In recent years, the banking & financial services industry has been undergoing rapid changes, reflecting a number of underlying developments. Internet, wireless technology, and global straight-through processing have created a paradigm shift - from brick-and-mortar banks to banking virtually across time zones, geographical locations, access points and delivery channels. Today Mobile revolution has disrupted banking industry and this presentation provides a detailed discussion about issues of Mobile Banking.
Transformation of the Electronic Payments Industry - Strategies for Growthfrancisfoo
This presentation provides a glimpse into the evolution of the digital payment industry and a discussion of both short-term and long-term strategies that players in this space could potentially adopt to stay ahead of the competition.
I've diverse interests across wide-ranging topics and industries and I thoroughly enjoy analyzing information and devising strategies to help companies better position themselves for the challenges ahead.
If you require more information and data, feel free to reach out to me at francisfoo@wustl.edu or connect with me on LinkedIn www.linkedin.com/in/francisfoo/.
Thank you for your interest! Hope you find the information useful.
Presentation to 2013 Cards & Payments Conference.
What our customers are asking for.
Quant research indicating key shopper needs are (1) link payments and loyalty cards (2) make m-commerce less hassle
Qual research indicating little interest in many new payment ideas
Mobile marketing webinar Alcatel-Lucent and Proximity BBDOToon Coppens
Webinar subject: How to Apply Mobile Applications and an e-wallet within your Media, Promotion and Communication Mix
Target audience:
- Enterprise: merchants, retailers, brands, verticals
- MNOs: Value added services, mobile payment, mobile marketing, mobile advertising
Speakers: Jo Heirman, Proximity BBDO (part of Omnicom group) + Toon Coppens, Alcatel-Lucent Mobile Wallet Service
Webinar recording available at: http://w.on24.com/r.htm?e=243024&s=1&k=9597DB465C3611C46862AE9CCE845E52
Tablet POS Broadens Opportunities for Merchant Payments - A VeriFone White PaperVerifone
Tablet-based mobile POS solutions are today's hot topic for merchants that want to showcase the latest technology, while taking advantage of the many benefits tablets vs. traditional cash registers provides.
This WP, designed specifically for resellers, equips you with the knowledge you need to accurately promote the many benefits of an mPOS solution.
Retail Payments Report - Sponsored by VeriFoneVerifone
This survey aimed to see if the goals of Retailers and Merchants are aligned with the suppliers of technology and services to both Consumers and Retailers/Merchants. Especially in focus are new technologies like contactless cards, NFC payments on cards or in wallets, QR-codes, related values added mobile services, and the mobile-POS terminals (mPOS) launched for the emerging markets of small and mobile merchants.
ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. Learn more: http://www.aciworldwide.com
In his presentation Nick will focus on NFC experiences in Europe and talk on recent projects in the field of transport and payment.
Nick Mirza works since 2009 as Business Development Manager at “The Human Chain Ltd”. There he is working with partners that are moving towards launching mobile services with NFC. Before that position Nick was working at Nokia and worked as Business Development Manager for NFC Consumer Services.
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.
What’s Next In Mobile POS: Saving Money And Square Footage With mPOS TechnologyG3 Communications
Mobile payments are expected to top $12 billion in 2012 and more shoppers are using smartphones and tablets for product research and transactions every day. Barney’s and other leading retailers are embracing mobile and implementing mobile POS (mPOS), resulting in increased conversions and improved customer service.
In this webinar, Greg Buzek from IHL Group will share highlights of the firm’s latest POS study, providing insights for retailers looking to expand their mobile presence. Presenters from MICROS-Retail and Zebra Technologies will join the discussion to share real-world case studies and build the business case for mPOS.
After 15 years of e-commerce experience and banking projects the new era for "Secure POS device" was come. In 2012 the first POS tablet with both swipe and smartchip features was patented in USA by Florin Suciu.
The new "perfecto POS - pPOS" was ready for the merchants and retail. In past 3 years tens of similar devices rise around the world. Now we develop the V2 generation
Webcast Presentation - What's in your (e) Wallet? Transforming payments and t...GRUC
Payments and transactional services present multiple ‘moments of truth’ for demanding clients who are often interacting with us anytime and anywhere. For financial services organizations, the 24/7 nature of the industry and its intense competition have made innovation and optimization of these capabilities critical. Learn about the experiences of IBM clients in transforming their payments and transactional services with IBM Rational DevOps capabilities.
See how banks, brokerages and insurance firms are aligning the life cycles of legacy back offices with the agile sprints of the mobile payments development shops and value-added technology partners.
Presented by:
Bruce Baron, Financial Services Sector Offerings Leader, IBM
Bruce Baron serves as the Offerings Lead for IBM Rational for the Financial Services Sector. Bruce and his team set the strategy, define our offerings and work to drive a collaborative cross-functional team of sales, marketing, enablement and development in assisting clients with solving business issues by bringing to bear all product segments and IBM brands. Prior to IBM Rational Bruce was a Strategy Consultant to Financial Services clients and has years of client experience as an e-business and six-sigma consultant in Financial Services at GE Capital.
Peter Eeles, Financial Services Sector Industry Lead, IBM Rational Worldwide Tiger Team, IBM
Peter Eeles is Industry Lead for the Financial Services Sector in IBM Rational's Worldwide Tiger Team, where he helps organizations improve their software development and delivery capability. This is often in conjunction with an architecture-centric initiative such as SOA or strategic reuse, where Peter has particular in-depth knowledge. Peter comes from a delivery background and was previously Chief Architect of IBM Rational's Worldwide Solution Delivery organization. He is co-author of "The Process of Software Architecting" (2009), "Building J2EE Applications with the Rational Unified Process" (2002), and "Building Business Objects" (1998).
Presentation by Kurt Schmid, Managing Director Digital Payment at Netcetera, at the Swiss Payment Forum, November 2018.
- Where we are coming from?
- Wallets, OEM Pays versus Issuer Pays?
- Proximity and eCommerce payment trends
- The business case and strategic value for issuers?
Wallet Factory platform is a constructor for a wide range of use cases:
- Launching digital banking for traditional banks and credit unions (white-label mobile and web apps and integration with banking core system);
- Enabling extra revenue sources for telecom operators, e.g. P2P, service catalogues, money transfers etc. (e-wallet processing and a mobile app);
- Setting up loyalty\payments system for retailers etc. (e-wallet processing and mobile app, alongside with the loyalty platform).
CPNI Mobey Forum Mobile Payment Trusted Service Provider Sept 23 2008The Stilwater Group
Mobey Forum quarterly meeting Sept 23, 2008. The opportunity for banks and the entire mobile payment ecosystem created by focusing on remote mobile payments.
The ten key steps for a successful mPOS solutionPascal CORABOEUF
From telcos to startups, from leading financial institutions to e-commerce providers, new organizations and new geographies are looking to provide mobile point of sale (mPOS) solutions to merchants and businesses.
See the ten key steps for mPOS service providers to transform merchant-consumer interaction to an easier, richer and more personalized experience
This presentation gives an overview of the company Mint Payments Limited listed on the ASX in Australia under MNW. It explains the products and services and how the company operates in the payments industry.
Cas Schalkx of CM Telecom (mobile messaging & mobile payments provider) launched the CM Analytics tool at Mobile Convention Amsterdam 2015. CM Analytics is developed by CM and it gives their customer the insights in the metrics they matter the most for them. SMS is a critical part of many businesses, so there is a lot of need to get insights in their SMS traffic (for example their delivery rates, delivery times).
2. 2
Three major global trends
?
Mobile is (becoming) the dominant channel
mGovernment, mCommerce, mPayments,
mID, mTicketing, etc
Security and trust are hot topic
Several data storage options
Multiple hardware SE options
Current major trend: HCE
Mobile solutions have to address many options
High variety of components: Handsets, OS, SEs,
And technologies: NFC, HCE, BLE, QR bar codes
Interoperability is an issue in starting and existing ecosystems
3. 3
The smart phone revolution is the next step for
all SPs
“In a similar manner as internet
revolutionized the way customers
experience, identify, shop and share,
the mobile phone is the next
evolutionary wave!”
5. 5
Endless possibilities
mobile transactions are diverse
Ticketing
get access to events, stadiums
or movie theatres
access trains,
buses or metro
Payment
electronic purse
debit/credit
pay with mobile handset
Access
physical access to
premises
logical access, e.g. to
corporate network
Loyalty
handset replaces
loyalty cards
Tag reading
retrieve data by
reading a tag
Peer-to-Peer
exchange data between
mobile handsets
Identity related tokens
e-passport
driving license
Automotive
related
services
key to start
up a car
personalize
automotive
services
Health care
health care ID
or health care
data in handset
mGovernment
Document signing
Web-portal access
Self-help portals
10. 10
Differentiate between the type of transactions
Virtual world
(Remote)
Real world
(proximity)
• Non-
personalized
• OS-grade
security
• HCE/Android
KitKat
Secure Element
• Micro SD
• UICC
• Embedded
Enables mGov
Proximity
technology:
• NFC
• Barcode
• Infrared
• BLE
Enablement of:
• Identification
• Ticketing
• Payments
• Access
HWsecurityOSsecurity
11. 11
How to manage data?
Issuing and lifecycle management
Perso bureau
CardvendorBPO Supply
contract
SP TSM SEI TSM
BPO
Card vendor
Supply contract
GP interfaces
GP interface
SP
SP SEI
BPO & supply
contract
12. 12
Collaboration in m-Commerce range from
commercial JVs to similar technical solutions
Collaboration approaches
UL TS Research
1. No collaboration
2. SP requirements
3. Joint marketing
platform
4. Joint wallet
5. Joint TSM
6. Complete Joint
Venture
Commercialdomaincollaboration
Technical domain collaboration
4
1
2
3 5
Collaboration
over the
technical
domain
Collaboration
over the
commercial
domain
6
14. 14
• The SP has their own app with services
linking to the SE
• Normally only 1 service, but it can be
more
Different “wallet”options
Neutral branded wallet
• The wallet will get a neutral brand name
(not linking to an SEI or SP)
White labelled wallet
SP branded app
• With SDK, individual parties can
customize their wallet
SE Issuer branded wallet
• SEI has multiple SPs within the SEI
branded wallet
17. 17
SP Aggregators
Logo Name Coverage TSM provider Key point
• Visa Mobile
Provisioning
Service
• Global • Oberthur
• Connect to Samsung already
• Target 2/3 tier banks without
TSM
• Plan to connect also to MNO
• Trevica TSM • Poland • Morpho
• Payment processor's TSM,
connecting to 5 banks
• Plans to expand to Czech,
Hungary, Russia and Ukraine
• Mobiel
Betalen
Nederland
• Netherl
ands
• NA, pre-
provisioned
• Project of 3 major banks in the
Netherlands
• Partering with KPN,
MasterCard and others
• Samsung Galaxy Express
23. 23
• Pincode can be
changed on the mobile
phone
• User can choose to
‘Always require
pincode’ during
payment
• Pincode is optional
• Limit on the total
amount without
pincode: €50,-
• Pincode is required
• Pincode can be pre-
entered, or the mobile
phone must be tapped
2x on the terminal
Payment < €25 Payment > €25 Settings
• Existing international payment products of Maestro and VPay
• Online and real-time payments (debit) , no stored value
• NFC Smartphone with banking payment app
• PoS terminal should support contactless
From (debit)card to smartphone
25. 25
Source: University of Maastricht & Panteia (measurement transaction times)
• Very positive results
– End score 7,8 from consumers
– End score 6,9 from merchants
– Most important advantages:
• Smartphone always within reach
• Transaction speed
• Ease of use
– Most important improvements
• Communication
• Technical stability (terminals)
• (Perception of) Security
• More type smartphones
Payment method Transaction
speed
Cash 18 seconds
Debitcard (contact) 17 seconds
Debitcard (contactless) 12 seconds
Mobile (single tap) 10 seconds
Mobile (double tap) 20 seconds
Results customer research
29. 29
SEI Aggregators
Name Coverage TSM provider Key point
• EnStream • Canada • Bell ID
• JV of three biggest MNOs
Rogers, Bell and Telus.
• Also expand it service to SP-
TSM
• Payment, ID, and Loyalty
• WEVE • UK
• Not yet
finalized
• JV of three MNOs in UK
• Offer one stop shop for
mCommerce – retails,
advertise, payment, loyalty
• ISIS mobile
commerce
• US • Gemalto
• 3 biggest MNOs, ATT VZE TMO
• Also support iPhone with uSD
• A few banks on board: Chase,
Amex, Wells Fargo
• Payment and Loyalty
31. 31
Isis Today
• Total 1,5 million activated Wallets, 20.00 new activation per day
• More than 200.000 merchant location
• Promotions like
• 20% cash back on all Isis taps with Serve – everywhere!
• A million free smoothies in partnership with Jamba Juice
• 3 Free Cokes and every 10th one free with Coca-Cola vending
machines
• Every 5th vend free at over 50,000 USA Technology enabled vending
machines
• Cash incentive by MNO’s paid on Serve account
32. 32
TSM Hubs
Logo Name Coverage
TSM
provider
Key point
• IDA
Singapore
• Nation
wide
• Gemalto
• Government initiated
• Connected to SingTel,
Starthub and M1
• Connected to DBS bank and
EZ-link
• User base is still small
• TSM New
Zealand
• Nation
wide
• Gemalto
• JV between 3 NZ MNO and
Paymark, the payment
processor
• Payment and loyalty
• TSM Nordic
• Nordic
Countries
• Gemalto
• JV between DNB and Telenor
• Provide natural brand for any
SPs and SEIs
• Offer payment and other
service in scope later
34. 34
Take home messages: it’s about an ECO-
system and not about an EGO-system
Conclusions Explanation
• Easy integration and possibility to build on top
• Do not lock in to existing solution (or even brand)Open & Flexible
• ID
• Bank
• Ticketing
• Other?
Multiple types of SP
• Ease of use
• Not simply substitution
• Low cost
Use case is key
Many options and technologies exist:
NFC, QR code, BLE
HW SE, cSE (HCE)
Let’s technology not
distract you