SlideShare a Scribd company logo
For informed direction


 Mobile Payment Index

 May 2012




Private & Confidential
© eDigitalResearch 2012
eDigitalResearch
                           Mobile Payment Index




                   Mobile Payment Index
                   New quarterly eDigitalResearch study looking at
                   the uptake and general consumer perceptions of
                   mobile payments and NFC




 Private & Confidential
 © eDigitalResearch 2012                  2
eDigitalResearch
                           Mobile Payment Index: Introduction
     The explosive uptake of smartphone devices and mCommerce by consumers has been hard to miss,
     changing forever the way in which we browse, buy and communicate.

     The introduction of NFC technology and contactless mobile payments are likely to change all of this
     again and revolutionarise the way in which we perceive our mobile devices. The essential mental
     check list of ‘keys, wallet, phone’ every time you leave the house will soon be a thing of the past.

     eDigitalResearch have been tracking the development of mCommerce since October 2009 when the
     channel was still in its infancy. Like the Internet, we’ve watched mobile become a customer touch
     point in it’s entirety, driven completely by consumer demand.

     2012 has been dubbed by many as the ‘Year of NFC’ when industry experts feel that everything will
     align and contactless mobile payments will become a major part of our high street shopping
     experience. With that in mind, eDigitalResearch have begun surveying consumer behaviour and
     attitudes towards the technology, benchmarking results quarterly and tracking changing trends.

     Unlike mCommerce, with mobile payments, it will be retailers, technology providers, handset
     manufacturers and banks who will be driving the change. Without access to the technology,
     consumers will be unable to use contactless mobile payments.

     This study, the first of it’s kind, looks to understand current consumer thinking towards contactless
     mobile payments and covers consumer demand to the barriers that currently stand in the way of
     widespread adoption.




 Private & Confidential
 © eDigitalResearch 2012                                 3
eDigitalResearch
                            Methodology
            A survey was sent to a consumer panel between the 13th and 18th
            March 2012. 2,078 responses were collected in total: 1,068 were
            completed by smartphone owners and 1,017 were completed by non-
            smartphone owners.
            The survey covered all areas surrounding contactless mobile
            payments, including:
                    Awareness
                    Previous use, early adopters and satisfaction
                    Future use
                    Perceived benefits and limitations
                    Improvements and Regulation
            The survey also looked at consumer perceptions surrounding the use
            of contactless mobile payment around the Olympic Games, as well as
            mobile apps designed specifically to make mobile payments to
            individuals.
            eDigitalResearch will continue to run the Mobile Payment Index on a
            quarterly basis, in order to help companies and organisations better
            understand contactless mobile payment use, track developments, and
            plan for the future. This is the first study of it’s kind.

 Private & Confidential
 © eDigitalResearch 2012                                  4
Mobile Payment Index results




Private & Confidential
© eDigitalResearch 2012
                          5
eDigitalResearch
                           Mobile Payment Index: Key Findings
   General consumer awareness of contactless mobile payments is still relatively low. Retailers, handset
   manufactures, network providers and banks will all need to work together to improve this.

   Almost half (44%) of those that already have the technology enabled on their smartphone devices
   have already used contactless mobile payments to make a purchase.

   Results show that early adopters are predominately young males.


   Satisfaction amongst early adopters is very high, suggesting that once used, consumers are likely to want
   to use it again.


   Mobile payments are likely to increase over the next year, especially amongst smartphone owners


   Consumers are most likely to use contactless mobile payments at supermarkets, fast-food outlets, cafes,
   and public transport links, places where queuing times can often exceed customer expectations.


   Security is the one, fundamental concern surrounding contactless mobile payments. Providers will
   need to work together to help increase consumer trust.


 Private & Confidential
 © eDigitalResearch 2012                               6
eDigitalResearch
                           Conclusions
     Security remains a key concern for consumers, and unless more can be
     done to reassure potential contactless mobile payment users, is likely to
     dampen the growth of NFC technology in the UK.

     Whilst the introduction of payment apps and other mobile enabled
     payment devices is helping to build consumer awareness, the media glare
     on security and other certain risks is helping to prevent widespread
     consumer adoption.

     In order for the UK to achieve the sort of NFC and contactless mobile
     payment growth predicted in 2012, it is essential that payment providers,
     retailers, banks and mobile manufacturers work together to put into place
     the following three essential key features:
        Consumer awareness: build the public’s knowledge and address
        security concerns.
        Retailer adoption: greater awareness will build as more and more
        retailers encourage their customers to use the technology.
        Access to technology: contactless mobile payments are currently
        only available to a select few due to the limited number of NFC enabled
        handsets available on the market.
 Private & Confidential
 © eDigitalResearch 2012                  7
eDigitalResearch
                                 Contactless Mobile Payment: Awareness
                            Before this survey, were you aware of what Contactless
                                            Mobile Payments were?

                                                               67% of survey respondents have heard of
                                                               Contactless Mobile Payments before, yet only 17%
                                                               of people are ‘completely aware’ of what it is.
                                             36%
                                                                                                     33%




                           17%
                                                                          15%




                 Yes, completely          Yes, partly           No, but I have heard of it   No, never heard of it

                                                            n=2,078

 Private & Confidential
 © eDigitalResearch 2012
                                                        8
eDigitalResearch
                             Contactless Payment: Awareness

                           Have you seen any Contactless Mobile Payment Points
                                           or symbols before?



                                                              15%
                                      24%




  Of the 2,000 consumers
  surveyed, 61% haven’t seen
  contactless mobile payment
  points before, whilst just 15%
  claim that they have. Of that                               61%
  15%, 29% live in London or
  the South East.

                                                    n=2,016

 Private & Confidential
 © eDigitalResearch 2012
                                                9
eDigitalResearch
                                Contactless Mobile Payment: Awareness
                     Are you aware of any of the following types of goods or service
                        providers that have Contactless Mobile Payment points?

            Supermarkets

        Fast-food outlets

  Public transport links

      Cafes/cofee shops

               Restaurants

     Department stores
                                                                   Awareness of contactless mobile
         Smaller retailers                                         payment points mirrors those brands
                                                                   and retailers who are already investing
    Hard good retailers
                                                                   in the technology, such as
 Entertainment venues                                              supermarkets, fast food outlets
                                                                   and coffee chains like Starbucks.
      Soft good retailers

                       Other

                               0%    2%        4%             6%          8%           10%           12%
                                                     n=2016

 Private & Confidential
 © eDigitalResearch 2012
                                                10
eDigitalResearch
                               Mobile Wallets: Awareness
                           Before this survey, were you aware of what Mobile Wallets
                                     and/or Mobile Wallet payments were?
                                                                                                       54%


       Awareness of mobile wallets is considerably lower than contactless
       mobile payments. Just one third (33%) of those surveyed have never
       heard of contactless mobile payments, whilst over half (54%) have no
       previous knowledge of mobile wallets whatsoever.




                                             20%
                                                                            19%



                       7%




               Yes, completely            Yes, partly             No, but I have heard of it   No, never heard of it

                                                             n=2,016

 Private & Confidential
 © eDigitalResearch 2012
                                                        11
eDigitalResearch
                                 Mobile Wallets: Awareness

                           Do you know how to use a Mobile Wallet to pay for goods or
                                                  services?
                                                                              74%
 Consumer knowledge surrounding the use of mobile wallet technology is
 particularly limited. Respondents seemed very unconfident on how to
 actually use it to pay for goods and services and is something that all
 parties (retailers, technology providers and banks) will need to work on
 together to improve.




                                                        20%


                            6%


                    Yes, completely                Yes, partly                 No


                                                        n=2,016

 Private & Confidential
 © eDigitalResearch 2012
                                                   12
eDigitalResearch
                                 Contactless Mobile Payments
                      Do you have a Mobile Wallet on your handset, or the ability to
                          make Contactless Mobile Payments via your phone?

                                                       64%
 Of those respondents who own a
 smartphone, just 4% have NFC
 technology available on their handset.
 One third (32%) of smartphone
 owners are unsure, reflecting the
 considerable amount of confusion
 surrounding the technology and
 reaffirms the need to increase                                              32%
 awareness around contactless mobile
 payments.




                           4%


                           Yes                          No                 Don't know
                                                      n=1,904

 Private & Confidential
 © eDigitalResearch 2012
                                                 13
eDigitalResearch
                                   Contactless Mobile Payment use
                           Have you used your phone to make a payment before, using
                                      Contactless Mobile Payment Point?
                             47%                        47%


                                                                 Of the small percentage that do have
                                                                 NFC enabled handsets, an
                                                                 encouraging 47% have already used
                                                                 the technology to make a purchase.




                                                                                  6%




                             Yes                         No                     Not sure

                                                        n=79

 Private & Confidential
 © eDigitalResearch 2012
                                                   14
eDigitalResearch
                                  Early Adopters

Results show that the majority of early adopters of contactless mobile technology are young males aged
between 25-34.


                           Male    Female                    18-24      25-34     35-44      45-54


                                                                         8% 13%

              32%
                                                               31%

                                      68%
                                                                                    48%




                                                    n=79

 Private & Confidential
 © eDigitalResearch 2012
                                               15
eDigitalResearch
                                Contactless Mobile Payments: Previous use
                           Where have you used Contactless Mobile Payments?

          Supermarkets

              Resaurants

    Department stores

      Fast-food outlets

   Soft goods retailers

  Hard goods retailers
                                                             Over half (53%) of those that have already
       Smaller retailers                                     made a contactless mobile payment, have
                                                             done so at a supermarket. Interestingly,
 Public transport links                                      more consumers have used the technology
                                                             in more traditional retail settings than
 Cafes / Coffee shops
                                                             fast food outlets and cafés, despite
Entertainment venues                                         these brands having invested more in NFC
                                                             systems.
    None of the above

                           0%       10%       20%          30%         40%           50%           60%
                                                    n=37
 Private & Confidential
 © eDigitalResearch 2012
                                               16
eDigitalResearch
                           Contactless Mobile Payment: Previous use
Of those survey respondents that have used Contactless
Mobile Payments to make a purchase, the majority have                           6% 5%
                                                                          6%
used the technology to purchase small to medium
                                                                                                        Less than £5
items and on average spending £6.76 per purchase.
                                                                                          11%           £5-£10
                                                                          8%
                                                                                                        £11-£20
                                                                                                        £21-£50
                                     59%                                                     17%
                                                                                                        £51-£80
                   54%                                               22%
                                                                                                        £81-£100
                                                                                                        £101-£200
                                                                                     25%                More than £200
                                                                      n=37


                                                            27%



                                                                                   14%


                                                                                                      3%


        Small purchases e.g. Medium purchases e.g.   Big purchases e.g.      High-end purchases    Don’t know
            sandwiches         books, CDs, DVDs      weekly food shop           e.g. holidays
                                                            n=37

 Private & Confidential
 © eDigitalResearch 2012
                                                       17
eDigitalResearch
                            Future use
                                  How likely are you to use it again?
                  62%

                                              62% of previous contactless mobile payment users
                                              said that they were ‘Very likely’ to use the technology
                                              again, whilst an additional 24% said they were ‘Quite
                                              likely’, suggesting that satisfaction with the
                                              technology is very high overall.




                                  24%




                                                    11%


                                                                        3%
                                                                                           0%

              Very likely      Quite likely      Not sure          Quite unlikely      Very unlikely

                                                    n=37

 Private & Confidential
 © eDigitalResearch 2012
                                               18
eDigitalResearch
                                Contactless Mobile Payment: Satisfaction
                       How satisfied are you with using Contactless Mobile Payment
                                        Points to make a payment?

     Satisfaction amongst previous users of the                                        24%
     technology is extremely high. 43% rate the
     technology extremely highly, giving a score of 9                      22%
     or above.
                                                                                 19%
     This suggests that users are likely to use the
                                                               16%
     technology again, reaffirming the significance
     of increasing consumer awareness and                            14%
     confidence surrounding contactless mobile
     payments to encourage more first time
     users.



                                              3%        3%

           0%              0%    0%   0%

            0              1     2    3        4         5      6     7     8     9    10

                                                        n=37

 Private & Confidential
 © eDigitalResearch 2012
                                                   19
eDigitalResearch                Contactless Mobile Payment: Future use
 18% of smartphone owners are either ‘Very likely’ or ‘Quite likely’ to use contactless mobile
 payment within the next year, whilst an additional 34% are not sure - most likely due to the fact that
 they currently do not have the technology available on their smartphone devices and are unsure of when
 this functionality will be rolled out on more handsets. It’s important, however, that mobile firms,
 technology providers and retailers work to increase consumer awareness and convert this segment
 of consumers into contactless mobile payment users.

                           How likely are you to use contactless mobile payments in the
                                                  next one year?
                                                                                           38%
                                                           34%




                                         12%
                                                                          9%
                    6%



               Very likely            Quite likely        Not sure   Quite unlikely    Very unlikely
                                                          n=1,979

 Private & Confidential
 © eDigitalResearch 2012
                                                     20
eDigitalResearch
                                 Future use
 Of those that said that they would be either ‘Very likely’ or ‘Quite likely’ to use contactless mobile
 payments within the next year, 29% are males aged between 25-34, whilst 32% are females within
 the same age range.

                                 Male                                          Female
        18-24        25-34   35-44      45-54   55-64   65+    18-24   25-34   35-44   45-54   55-64   65+

                             7% 4%                                             5%       10%
                                                                       10%


                           16%           29%
                                                                        18%             32%
                           21%
                                   23%                                         25%


 24% of early adopters said that the maximum they would be willing spend using contactless mobile
 payments was between £11-£20, whilst an additional 22.8% said that they would not be willing to
 spend above £50.


 Private & Confidential
 © eDigitalResearch 2012
                                                          21
eDigitalResearch
                             Future use
                            Where would you use Contactless Mobile Payments?

            Supermarkets

               Resaurants

       Fast-food outlets
                                                                         Future users would be most
  Public transport links                                                 likely to use the technology
                                                                         at supermarkets, fast
  Cafes / Coffee shops                                                   food outlets, café’s and
                                                                         public transport links,
Entertainment venues
                                                                         where waiting can
     Department stores                                                   traditionally take up a
                                                                         considerable amount of
        Smaller retailers                                                time, and where consumers
                                                                         feel that they would see
    Soft goods retailers                                                 the greatest benefit.
   Hard goods retailers

     None of the above

                            0%    10%     20%        30%     40%   50%     60%        70%        80%
                                                     n=368

 Private & Confidential
 © eDigitalResearch 2012
                                                22
eDigitalResearch
                            Future use
                Why are you unlikely to use Contactless Mobile Payments in the near
                                              future?
     58%




                      35%
                              28%                         29%
                                            22%                                      21%                                       23%

                                                                                                   14%           15%
                                                                           13%




 Happy with  Concerns        Have no        I'm not      Unsure how Limited places    The I       Unsure of    Don't want   Not likely to
how I pay at   about      reason to use interested in it     the      I can use it  have/want which phones        that       get a new
the moment security/fraud       it                       technology                doesn't allow    allow      technology   phone that
                                                            works                   contactlss   contactless   enabled on      allows
                                                                                      mobile       mobile       my phone    contactless
                                                                                    payments      payment                      mobile
                                                                                                                              payment


  A lack of information and understanding, as well as concerns over security are major factors
  stopping consumers from using the technology in the foreseeable future. Other barriers include a
  lack of knowledge when it comes to NFC enabled handsets.

                                                                 n=1,616

 Private & Confidential
 © eDigitalResearch 2012
                                                            23
eDigitalResearch
                             Perceived Benefits
  Ease and convenience are seen as the main consumer benefits of contactless mobile payments.
  Worryingly, almost one third (32%) don’t see any benefits whatsoever. However, 56% of these are
  non smartphone owners and are therefore unlikely to have access to the technology in the near
  future.

    32%
                      What do you think are the benefits of using Contactless Mobile                                              32%
                                     Payments to make a purchase?
                 29%       29%


                                                                                       22%


                                                                             17%
                                   15%                                                                       15%


                                              9%
                                                        6%         6%
                                                                                                   4%
                                                                                                                        3%


 Convenient Easier to Quick to No paper Better able It's safe Less likely It uses the   It is    There are    The       Other      I don't
 to pay with pay with pay with receipts so to keep and secure     to         latest   moving      lots of technology            think there
   mobile     mobile    mobile     less    track of           encounter technology forward       paypoints     is                 are any
            than taking         change of how much              fraud                 with the    around available,               benefits
            cash/cards            losing     I am                                      times               so why not
              with me            personal spending
                                   info                        n=2,016

 Private & Confidential
 © eDigitalResearch 2012
                                                              24
eDigitalResearch
                                         Perceived Limitations
  Security and fraud are currently the biggest barriers to widespread adoption, as well as concerns over
  technical issues. However, as retailers, providers and manufacturers work together to improve
  consumer knowledge and access, we would expect the amount of people concerned about how the
  technology works, access to pay points and NFC enabled handsets to decrease over the course of the
  coming months.

                         What do you see as the limitations of using Contactless Mobile
                                        Payments to make purchases?
                                                                                   51%



                                                                                                   38%
                                                    34%
                                                                                                                                                                  31%
                     29%                                                                                                                          28%
                                                                    23%                                                            23%
     22%

                                    13%
                                                                                                                    7%                                                                      7%
                                                                                                                                                                                 4%

    Can only be     Not needed,    There is a         More        Hard to keep   Concerns over   More open to        Too        Not much clarity Not enough pay Technology not   Other   There are no
  used for certain can pay using    maximum       susceptible to track of how       security        fraud       technologically on how much to points around available on all             limitations
     purchases       cash/cards    spend limit   technical issues much I am                                        advanced       pay/how it                       phones
                                                                   spending                      n=2,016                             works


 Private & Confidential
 © eDigitalResearch 2012
                                                                                            25
eDigitalResearch
                                   Contactless Mobile Payments: Regulation
                           Who do you think should be responsible for regulating mobile
                                              payment technology?
                40%
                             38%
                                    35%
                                                34%



                                                                 21%              21%
    19%                                                                                       19%
                                                      16%
                                          15%
                                                                            10%
                                                                       7%

                                                                                        0%            1%




  Of the 2,000 consumers surveyed, 40% of consumers feel that regulation responsibilities should fall to
  mobile phone networks, whilst 35% feel that banks should take up the mantel. Only 15% feel that
  the responsibility should lie with handset manufacturers and suggests that if banks and mobile
  networks work together to increase consumer trust, they are likely to make the biggest strides.
                                                           n=2,016

 Private & Confidential
 © eDigitalResearch 2012
                                                      26
eDigitalResearch
                           Contactless Mobile Payments: Improvements
 We asked all 2,000 survey respondents what improvements they think need to be made to Contactless
 Mobile Payments.


 Better/Tighter security: 22.8% of respondents do not feel confident enough that
 there is enough security surrounding Contactless Mobile Payments


 More information: 10.34% of consumers feel that more information is needed to
 help increase awareness. Similarly, an additional 6.9% felt that they didn’t have enough
 information on Contactless Mobile Payments to make a comment within the survey,
 reaffirming the importance of increasing awareness.


 More pay points: 8.75% of respondents felt that the lack of available places where
 they could use Contactless Mobile Payments was holding back the technology. To
 improve, retailers and technology providers need to look at integrating more pay
 points around stores, as well as branching out to all locations.

 Technology available across all mobile devices: 1.3% of respondents wanted to
 start using the technology yet couldn’t because NFC technology is only available to a select
 number of mobile users. We would expect this figure to drop though as more and more popular
 makes and models include the technology.

 Private & Confidential
 © eDigitalResearch 2012
                                                 27
eDigitalResearch
                                  Mobile Payment Apps
 After the introduction of Barclay’s Pingit app, we decided to ask consumers what their views and opinions
 were on this type of technology and how possible widespread adoption is likely to be.

                  How likely would you be to use an app like Pingit to make payments if your bank introduced
                                                    the same technology?
                                                              34%                                          38%




                                             12%
                                                                                                    9%
                 6%


 n=1,632     Very likely                  Quite likely                Not sure                 Quite unlikely             Very unlikely

            75%                           Why have you not used the Barclays Pingit app?


                            41%

                                                         23%                     20%
                                        16%                        13%                       16%
                                                                                                           12%         11%
                                                                                                                                     1%

       Never heard           Not a    Phone not Happy with    Concerns        Had no        I'm not       Unsure of Don't know      Other
          of it            Barclays   compatible how I pay at   about      reason to use interested in     how the anyone else I
                           customer              the moment security/fraud       it            it        technology  can use it
  n=1,969                                                                                                   works      with

 Private & Confidential
 © eDigitalResearch 2012
                                                                     28
eDigitalResearch
                                  Mobile Payment Apps

                           Are you more or less likely to trust this method of payment if it is being endorsed by
                                                                    banks?
                                                                                                          55%



                              31%

                                                                       15%




 n=2,016            More likely to trust it                  Less likely to trust it            Doesn't make a difference


  Again, general consumer awareness surrounding this type of technology is very low, with 75% of those
  surveyed claiming that they had never heard of the app. However, there appears to be a lot more trust
  of this type of technology when compared to contactless mobile payments, with just 13% of the 2,000
  surveyed claiming that they had concerns over security and fraud.

  Almost 1 in 5 (18%) said that they were likely to use the technology if their banks introduced a similar
  app, whilst an additional 34% are not sure, suggesting that if more information is provided to
  consumers, then uptake may be higher.



 Private & Confidential
 © eDigitalResearch 2012
                                                                  29
About eDigitalResearch




Private & Confidential
© eDigitalResearch 2012
                          30
eDigitalResearch
                           eDigitalResearch mobile insight solutions




                                                                 In store QR
App                             mCommerce                           codes

        Mobile detection technology
        Automatically detects when a user is accessing a survey through a PC or mobile
        device (smartphone and tablet) and serves them either a standard or mobile
        enabled survey

        Currently tracking around 10% (+100% yoy) survey completes from a mobile or
        tablet device for all eDigitalResearch surveys


        ‘Younger fashion’ most popular sector for completing surveys on mobile


 Private & Confidential
 © eDigitalResearch 2012
                                             31
eDigitalResearch
                           Mobile Marketing Research Association

                           eDigitalResearch are very proud to be a Founding
                           Member of the MMRA


                           eDigitalResearch, along with other members, will be working alongside
                           the MMRA to develop and promote professional standards and ethics in
                           mobile market research.


                           eDigitalResearch’s mobile studies include:
                           • Tracking rise of mCommerce with consumers
                              since October 2009
                           • Benchmarking emerging mobile retail sites
                              since August 2010
                           • Benchmarking mobile retail Apps since April
                              2010
                           • Comparing cross channel consumer experience
                              across eChannel’s since December 2011


 Private & Confidential
 © eDigitalResearch 2012
                                                  32
eDigitalResearch
                           Who we are and what we do
    We are one of the leading providers of digital market research
    •    established in 1999 by current directors/owners
    •    self funded, financially secure, clear ethics
    •    own system with outstanding technical support
    •    team of research professionals

    We are migrating traditional market research to digital methodologies
    • reducing costs – fixed pricing model
    • faster results – real time results
    • improving accuracy – no response or panel limits



    We are developing and introducing innovative research solutions
    •    social networking (digital communities)
    •    maximising respondent engagement
    •    industry norms/benchmarking
    •    mCommerce/mResearch



     Company Partners


 Private & Confidential
 © eDigitalResearch 2012                                   33
eDigitalResearch
                             Product Overview

                                   eMysteryShopper              eDigitalSurvey
                                                            • ‘Open’ user research
                               • ‘Closed group’ research
                                                             • Visitor/user opinion
                                       • Usability &
                                                               • Key performance
                                ‘end to end’ experience
                                                                    indicators
                                     • Benchmarking
                                                                • Brand advocacy


                           Verbatim Coding
                           • Automated qual-to-
                                                     HUB                ePanelManager
                                                    Insight and
                            quant text analysis       Analysis        • Omnibus research
                             •Full reporting of                           • Client panel
                            verbatim comments                             management
                             across any digital                          • Media panels
                                  medium
                                                  eDigitalCommunity
                                                    • Web 2.0
                                             • 3 way dialogue from
                                                  profiled users
                                                • Product ratings
                                                   • Net chats

 Private & Confidential
 © eDigitalResearch 2012

                                                           Page 34
For a bespoke research
                                           programme designed specifically to
                                            gain insight and understanding
                                            into your mobile audiences, please
   Vanbrugh House, Grange Drive
                                                contact Lynda Baker, Business
   Hedge End
                                                  Development Manager at
   Hampshire SO30 2AF
                                             lynda.baker@edigitalresearch.com
   Tel: 01489 772920                           Similarly, if you would like more
   www.edigitalresearch.com                   information on the results then
                                           please contact eDigitalResearch by
                     @eDRtweet              emailing info@edigitalresearch.com
                     eDigitalResearch
   Key Contacts:
   Lisa Bonczyk – Associate Director, Sales and Marketing–lisa.bonczyk@edigitalresearch.com
   Liana Vickery – Marketing Executive - liana.vickery@edigitalresearch.com


Private & Confidential
© eDigitalResearch 2012                   35

More Related Content

What's hot

Mobile banking 2012
Mobile banking 2012Mobile banking 2012
Mobile banking 2012
Agency Management Institute
 
Mobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of ViewMobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of View
Mark Sherman
 
Mobile Banking in 2020 - Mobile World Congress Report
Mobile Banking in 2020 - Mobile World Congress ReportMobile Banking in 2020 - Mobile World Congress Report
Mobile Banking in 2020 - Mobile World Congress Report
Nadejda Tatarciuc
 
Different MFS Model practice
Different MFS Model practiceDifferent MFS Model practice
Different MFS Model practice
Hasibur Rahman
 
Future of payments
Future of  paymentsFuture of  payments
Future of payments
Manam Bharadwaj
 
Mobile Banking: The New American Addiction
Mobile Banking: The New American AddictionMobile Banking: The New American Addiction
Mobile Banking: The New American Addiction
NTT DATA Consulting, Inc.
 
Mobile banking 2015 - Etude KPMG
Mobile banking 2015 - Etude KPMGMobile banking 2015 - Etude KPMG
Mobile banking 2015 - Etude KPMG
FrenchWeb.fr
 
Mobile banking
Mobile bankingMobile banking
Mobile banking
vaibhav kubadia
 
NFC and Shopping
NFC and ShoppingNFC and Shopping
NFC and Shopping
BBDO
 
Mobile Payments Review - June 2013
Mobile Payments Review - June 2013Mobile Payments Review - June 2013
Mobile Payments Review - June 2013
David Miller
 
Mobile Payment fraud & risk assessment
Mobile Payment fraud & risk assessmentMobile Payment fraud & risk assessment
Mobile Payment fraud & risk assessment
Stefano Maria De' Rossi
 
Evans presentation on igniting mobile payments
Evans presentation on igniting mobile payments Evans presentation on igniting mobile payments
Evans presentation on igniting mobile payments
Market Platform Dynamics
 
V47 10 step marketing plan batisan ronaldo
V47 10 step marketing plan batisan ronaldoV47 10 step marketing plan batisan ronaldo
V47 10 step marketing plan batisan ronaldo
rsbatisan
 
The Future or Everyday Banking
The Future or Everyday BankingThe Future or Everyday Banking
The Future or Everyday Banking
Prototype Interactive
 
Innovation in bank payment systems and related services among selected commer...
Innovation in bank payment systems and related services among selected commer...Innovation in bank payment systems and related services among selected commer...
Innovation in bank payment systems and related services among selected commer...
Alexander Decker
 
June Virtual Series: The Future of Money
June Virtual Series: The Future of MoneyJune Virtual Series: The Future of Money
June Virtual Series: The Future of Money
DigitalMoguls
 
Mobile phone - The new way to pay
Mobile phone - The new way to payMobile phone - The new way to pay
Mobile phone - The new way to pay
Boni
 
Compete Financial Services: Mobile Money
Compete Financial Services: Mobile MoneyCompete Financial Services: Mobile Money
Compete Financial Services: Mobile Money
amainecompete
 
Top 8 Mobile Finance Trends 2015
Top 8 Mobile Finance Trends 2015Top 8 Mobile Finance Trends 2015
Top 8 Mobile Finance Trends 2015
DMI
 

What's hot (19)

Mobile banking 2012
Mobile banking 2012Mobile banking 2012
Mobile banking 2012
 
Mobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of ViewMobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of View
 
Mobile Banking in 2020 - Mobile World Congress Report
Mobile Banking in 2020 - Mobile World Congress ReportMobile Banking in 2020 - Mobile World Congress Report
Mobile Banking in 2020 - Mobile World Congress Report
 
Different MFS Model practice
Different MFS Model practiceDifferent MFS Model practice
Different MFS Model practice
 
Future of payments
Future of  paymentsFuture of  payments
Future of payments
 
Mobile Banking: The New American Addiction
Mobile Banking: The New American AddictionMobile Banking: The New American Addiction
Mobile Banking: The New American Addiction
 
Mobile banking 2015 - Etude KPMG
Mobile banking 2015 - Etude KPMGMobile banking 2015 - Etude KPMG
Mobile banking 2015 - Etude KPMG
 
Mobile banking
Mobile bankingMobile banking
Mobile banking
 
NFC and Shopping
NFC and ShoppingNFC and Shopping
NFC and Shopping
 
Mobile Payments Review - June 2013
Mobile Payments Review - June 2013Mobile Payments Review - June 2013
Mobile Payments Review - June 2013
 
Mobile Payment fraud & risk assessment
Mobile Payment fraud & risk assessmentMobile Payment fraud & risk assessment
Mobile Payment fraud & risk assessment
 
Evans presentation on igniting mobile payments
Evans presentation on igniting mobile payments Evans presentation on igniting mobile payments
Evans presentation on igniting mobile payments
 
V47 10 step marketing plan batisan ronaldo
V47 10 step marketing plan batisan ronaldoV47 10 step marketing plan batisan ronaldo
V47 10 step marketing plan batisan ronaldo
 
The Future or Everyday Banking
The Future or Everyday BankingThe Future or Everyday Banking
The Future or Everyday Banking
 
Innovation in bank payment systems and related services among selected commer...
Innovation in bank payment systems and related services among selected commer...Innovation in bank payment systems and related services among selected commer...
Innovation in bank payment systems and related services among selected commer...
 
June Virtual Series: The Future of Money
June Virtual Series: The Future of MoneyJune Virtual Series: The Future of Money
June Virtual Series: The Future of Money
 
Mobile phone - The new way to pay
Mobile phone - The new way to payMobile phone - The new way to pay
Mobile phone - The new way to pay
 
Compete Financial Services: Mobile Money
Compete Financial Services: Mobile MoneyCompete Financial Services: Mobile Money
Compete Financial Services: Mobile Money
 
Top 8 Mobile Finance Trends 2015
Top 8 Mobile Finance Trends 2015Top 8 Mobile Finance Trends 2015
Top 8 Mobile Finance Trends 2015
 

Viewers also liked

Quelle gouvernance pour l'industrie des paiements
Quelle gouvernance pour l'industrie des paiementsQuelle gouvernance pour l'industrie des paiements
Quelle gouvernance pour l'industrie des paiements
Now Dentons
 
Pg510 cybs french_fr_v3f
Pg510 cybs french_fr_v3fPg510 cybs french_fr_v3f
Pg510 cybs french_fr_v3f
mariusmez
 
SECUVAD : La répression de la fraude sur Internet.
SECUVAD : La répression de la fraude sur Internet.SECUVAD : La répression de la fraude sur Internet.
SECUVAD : La répression de la fraude sur Internet.
SECUVAD
 
Rapport credoc-diffusion-tic-2011
Rapport credoc-diffusion-tic-2011Rapport credoc-diffusion-tic-2011
Rapport credoc-diffusion-tic-2011mariusmez
 
Peak collaborative index_2012_synthese_313042
Peak collaborative index_2012_synthese_313042Peak collaborative index_2012_synthese_313042
Peak collaborative index_2012_synthese_313042mariusmez
 
Imagens frança
Imagens françaImagens frança
Imagens frança
zanneguedes
 
Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...
Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...
Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...
mariusmez
 
Construire entretenir et utiliser son réseau professionnel
Construire entretenir et utiliser son réseau professionnelConstruire entretenir et utiliser son réseau professionnel
Construire entretenir et utiliser son réseau professionnelUniversité de Lille 2
 
Imagens frança
Imagens françaImagens frança
Imagens frança
zanneguedes
 
Encaisser en ligne - e-paiement
Encaisser en ligne - e-paiementEncaisser en ligne - e-paiement
Encaisser en ligne - e-paiement
Retis be
 
Adacis clusira cybercriminalité_2012
Adacis clusira cybercriminalité_2012Adacis clusira cybercriminalité_2012
Adacis clusira cybercriminalité_2012
François Sopin, CISSP
 
Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...
Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...
Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...
Julien Boyrié
 
Sondage opinionway-microsoft-mai2014
Sondage opinionway-microsoft-mai2014Sondage opinionway-microsoft-mai2014
Sondage opinionway-microsoft-mai2014
mariusmez
 
Révolution Digitale: Risques ou Opportunités pour les Entreprises?
Révolution Digitale: Risques ou Opportunités pour les Entreprises?Révolution Digitale: Risques ou Opportunités pour les Entreprises?
Révolution Digitale: Risques ou Opportunités pour les Entreprises?
Gerald Claessens
 
Mtn 21 ycd cybercriminalite by TLMC
Mtn 21 ycd cybercriminalite by TLMCMtn 21 ycd cybercriminalite by TLMC
Mtn 21 ycd cybercriminalite by TLMC
M-Paloma
 
Quels KPIs surveiller pour mon site e-commerce ?
Quels KPIs surveiller pour mon site e-commerce ?Quels KPIs surveiller pour mon site e-commerce ?
Quels KPIs surveiller pour mon site e-commerce ?
Powertrafic
 
La lutte contre la cybercriminalite : Responsabilite et role du CI-CERT
La lutte contre la cybercriminalite : Responsabilite et role du CI-CERTLa lutte contre la cybercriminalite : Responsabilite et role du CI-CERT
La lutte contre la cybercriminalite : Responsabilite et role du CI-CERT
GOTIC CI
 
Sap CI EHP 6
Sap CI EHP 6Sap CI EHP 6
Sap CI EHP 6
Srinivas Gudimella
 
Étude sur la qualité de la relation client-fournisseur
Étude sur la qualité de la relation client-fournisseur Étude sur la qualité de la relation client-fournisseur
Étude sur la qualité de la relation client-fournisseur
mariusmez
 

Viewers also liked (20)

Quelle gouvernance pour l'industrie des paiements
Quelle gouvernance pour l'industrie des paiementsQuelle gouvernance pour l'industrie des paiements
Quelle gouvernance pour l'industrie des paiements
 
Pg510 cybs french_fr_v3f
Pg510 cybs french_fr_v3fPg510 cybs french_fr_v3f
Pg510 cybs french_fr_v3f
 
SECUVAD : La répression de la fraude sur Internet.
SECUVAD : La répression de la fraude sur Internet.SECUVAD : La répression de la fraude sur Internet.
SECUVAD : La répression de la fraude sur Internet.
 
Rapport credoc-diffusion-tic-2011
Rapport credoc-diffusion-tic-2011Rapport credoc-diffusion-tic-2011
Rapport credoc-diffusion-tic-2011
 
Peak collaborative index_2012_synthese_313042
Peak collaborative index_2012_synthese_313042Peak collaborative index_2012_synthese_313042
Peak collaborative index_2012_synthese_313042
 
Imagens frança
Imagens françaImagens frança
Imagens frança
 
Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...
Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...
Etablissements de paiement et monnaie électronique : panorama 2012 des paieme...
 
Construire entretenir et utiliser son réseau professionnel
Construire entretenir et utiliser son réseau professionnelConstruire entretenir et utiliser son réseau professionnel
Construire entretenir et utiliser son réseau professionnel
 
Imagens frança
Imagens françaImagens frança
Imagens frança
 
Formation RA_english
Formation RA_englishFormation RA_english
Formation RA_english
 
Encaisser en ligne - e-paiement
Encaisser en ligne - e-paiementEncaisser en ligne - e-paiement
Encaisser en ligne - e-paiement
 
Adacis clusira cybercriminalité_2012
Adacis clusira cybercriminalité_2012Adacis clusira cybercriminalité_2012
Adacis clusira cybercriminalité_2012
 
Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...
Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...
Les leviers et les freins de l'e-commerce sur les comportements d'achat des p...
 
Sondage opinionway-microsoft-mai2014
Sondage opinionway-microsoft-mai2014Sondage opinionway-microsoft-mai2014
Sondage opinionway-microsoft-mai2014
 
Révolution Digitale: Risques ou Opportunités pour les Entreprises?
Révolution Digitale: Risques ou Opportunités pour les Entreprises?Révolution Digitale: Risques ou Opportunités pour les Entreprises?
Révolution Digitale: Risques ou Opportunités pour les Entreprises?
 
Mtn 21 ycd cybercriminalite by TLMC
Mtn 21 ycd cybercriminalite by TLMCMtn 21 ycd cybercriminalite by TLMC
Mtn 21 ycd cybercriminalite by TLMC
 
Quels KPIs surveiller pour mon site e-commerce ?
Quels KPIs surveiller pour mon site e-commerce ?Quels KPIs surveiller pour mon site e-commerce ?
Quels KPIs surveiller pour mon site e-commerce ?
 
La lutte contre la cybercriminalite : Responsabilite et role du CI-CERT
La lutte contre la cybercriminalite : Responsabilite et role du CI-CERTLa lutte contre la cybercriminalite : Responsabilite et role du CI-CERT
La lutte contre la cybercriminalite : Responsabilite et role du CI-CERT
 
Sap CI EHP 6
Sap CI EHP 6Sap CI EHP 6
Sap CI EHP 6
 
Étude sur la qualité de la relation client-fournisseur
Étude sur la qualité de la relation client-fournisseur Étude sur la qualité de la relation client-fournisseur
Étude sur la qualité de la relation client-fournisseur
 

Similar to Mobile Payment Index Study

Mobile Wallet Future in Bangladesh
Mobile Wallet Future in BangladeshMobile Wallet Future in Bangladesh
Mobile Wallet Future in Bangladesh
Hasibur Rahman
 
Lu global-mobile-consumer-survey-2018-results
Lu global-mobile-consumer-survey-2018-resultsLu global-mobile-consumer-survey-2018-results
Lu global-mobile-consumer-survey-2018-results
Céline Bayle
 
Bayberry mobile engagement
Bayberry mobile engagementBayberry mobile engagement
Bayberry mobile engagement
Bayberry
 
POV: The Present and Future of Mobile Payment
POV: The Present and Future of Mobile PaymentPOV: The Present and Future of Mobile Payment
POV: The Present and Future of Mobile Payment
IPG Media Lab
 
Mobileusageresearchfinal
MobileusageresearchfinalMobileusageresearchfinal
Mobileusageresearchfinal
Isabelle Jones
 
NextBank Europe 2014 - Online Offline Power Shifts
NextBank Europe 2014 - Online Offline Power ShiftsNextBank Europe 2014 - Online Offline Power Shifts
NextBank Europe 2014 - Online Offline Power Shifts
Sam Maule
 
ABI Research NFC Consumer Experience Survey Results
ABI Research NFC Consumer Experience Survey ResultsABI Research NFC Consumer Experience Survey Results
ABI Research NFC Consumer Experience Survey Results
NFC Forum
 
Mobile Payments in The Financial Services Industry
Mobile Payments in The Financial Services IndustryMobile Payments in The Financial Services Industry
Mobile Payments in The Financial Services Industry
Penn Mutual
 
Report xu hướng hành vi tiêu dùng online 2013
Report xu hướng hành vi tiêu dùng online 2013Report xu hướng hành vi tiêu dùng online 2013
Report xu hướng hành vi tiêu dùng online 2013
BUG Corporation
 
Xu hướng tiêu dùng online 2013
Xu hướng tiêu dùng online 2013Xu hướng tiêu dùng online 2013
Xu hướng tiêu dùng online 2013
GAPIT Communications JSC.
 
Online consumer trends 2013
Online consumer trends 2013Online consumer trends 2013
Online consumer trends 2013
Cat Van Khoi
 
[Cimogo] Online Consumer Trends 2013
[Cimogo] Online Consumer Trends 2013[Cimogo] Online Consumer Trends 2013
[Cimogo] Online Consumer Trends 2013
Jackie Nguyen
 
Aliant Payments: Mobile Commerce Trends
Aliant Payments: Mobile Commerce TrendsAliant Payments: Mobile Commerce Trends
Aliant Payments: Mobile Commerce Trends
Aliant Payments
 
Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...
Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...
Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...
BrandEmotivity
 
Shaping the Future of Marketing Innovation
Shaping the Future of Marketing InnovationShaping the Future of Marketing Innovation
Shaping the Future of Marketing Innovation
iMedia Connection
 
Paul Mcnea - paythru
Paul Mcnea - paythruPaul Mcnea - paythru
Paul Mcnea - paythru
James Cameron
 
Banking Disruption in Financial Services: Threats and Opportunities
Banking Disruption in Financial Services: Threats and OpportunitiesBanking Disruption in Financial Services: Threats and Opportunities
Banking Disruption in Financial Services: Threats and Opportunities
DogTelligent
 
BLS White Paper - What can banks do to build a closer relationship with their...
BLS White Paper - What can banks do to build a closer relationship with their...BLS White Paper - What can banks do to build a closer relationship with their...
BLS White Paper - What can banks do to build a closer relationship with their...
Business Logic Systems Ltd
 
The Future of Mobile Payment
The Future of Mobile PaymentThe Future of Mobile Payment
The Future of Mobile Payment
Helene Andre
 
Reach Your Target Audiences, Strategies and Technologies in Mobile Advertising
Reach Your Target Audiences, Strategies and Technologies in Mobile AdvertisingReach Your Target Audiences, Strategies and Technologies in Mobile Advertising
Reach Your Target Audiences, Strategies and Technologies in Mobile Advertising
Vivastream
 

Similar to Mobile Payment Index Study (20)

Mobile Wallet Future in Bangladesh
Mobile Wallet Future in BangladeshMobile Wallet Future in Bangladesh
Mobile Wallet Future in Bangladesh
 
Lu global-mobile-consumer-survey-2018-results
Lu global-mobile-consumer-survey-2018-resultsLu global-mobile-consumer-survey-2018-results
Lu global-mobile-consumer-survey-2018-results
 
Bayberry mobile engagement
Bayberry mobile engagementBayberry mobile engagement
Bayberry mobile engagement
 
POV: The Present and Future of Mobile Payment
POV: The Present and Future of Mobile PaymentPOV: The Present and Future of Mobile Payment
POV: The Present and Future of Mobile Payment
 
Mobileusageresearchfinal
MobileusageresearchfinalMobileusageresearchfinal
Mobileusageresearchfinal
 
NextBank Europe 2014 - Online Offline Power Shifts
NextBank Europe 2014 - Online Offline Power ShiftsNextBank Europe 2014 - Online Offline Power Shifts
NextBank Europe 2014 - Online Offline Power Shifts
 
ABI Research NFC Consumer Experience Survey Results
ABI Research NFC Consumer Experience Survey ResultsABI Research NFC Consumer Experience Survey Results
ABI Research NFC Consumer Experience Survey Results
 
Mobile Payments in The Financial Services Industry
Mobile Payments in The Financial Services IndustryMobile Payments in The Financial Services Industry
Mobile Payments in The Financial Services Industry
 
Report xu hướng hành vi tiêu dùng online 2013
Report xu hướng hành vi tiêu dùng online 2013Report xu hướng hành vi tiêu dùng online 2013
Report xu hướng hành vi tiêu dùng online 2013
 
Xu hướng tiêu dùng online 2013
Xu hướng tiêu dùng online 2013Xu hướng tiêu dùng online 2013
Xu hướng tiêu dùng online 2013
 
Online consumer trends 2013
Online consumer trends 2013Online consumer trends 2013
Online consumer trends 2013
 
[Cimogo] Online Consumer Trends 2013
[Cimogo] Online Consumer Trends 2013[Cimogo] Online Consumer Trends 2013
[Cimogo] Online Consumer Trends 2013
 
Aliant Payments: Mobile Commerce Trends
Aliant Payments: Mobile Commerce TrendsAliant Payments: Mobile Commerce Trends
Aliant Payments: Mobile Commerce Trends
 
Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...
Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...
Mobile and Loyalty Programs - The Hyper Digital Age: Accelerating customer bo...
 
Shaping the Future of Marketing Innovation
Shaping the Future of Marketing InnovationShaping the Future of Marketing Innovation
Shaping the Future of Marketing Innovation
 
Paul Mcnea - paythru
Paul Mcnea - paythruPaul Mcnea - paythru
Paul Mcnea - paythru
 
Banking Disruption in Financial Services: Threats and Opportunities
Banking Disruption in Financial Services: Threats and OpportunitiesBanking Disruption in Financial Services: Threats and Opportunities
Banking Disruption in Financial Services: Threats and Opportunities
 
BLS White Paper - What can banks do to build a closer relationship with their...
BLS White Paper - What can banks do to build a closer relationship with their...BLS White Paper - What can banks do to build a closer relationship with their...
BLS White Paper - What can banks do to build a closer relationship with their...
 
The Future of Mobile Payment
The Future of Mobile PaymentThe Future of Mobile Payment
The Future of Mobile Payment
 
Reach Your Target Audiences, Strategies and Technologies in Mobile Advertising
Reach Your Target Audiences, Strategies and Technologies in Mobile AdvertisingReach Your Target Audiences, Strategies and Technologies in Mobile Advertising
Reach Your Target Audiences, Strategies and Technologies in Mobile Advertising
 

Recently uploaded

Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...
Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...
Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...
saastr
 
Choosing The Best AWS Service For Your Website + API.pptx
Choosing The Best AWS Service For Your Website + API.pptxChoosing The Best AWS Service For Your Website + API.pptx
Choosing The Best AWS Service For Your Website + API.pptx
Brandon Minnick, MBA
 
System Design Case Study: Building a Scalable E-Commerce Platform - Hiike
System Design Case Study: Building a Scalable E-Commerce Platform - HiikeSystem Design Case Study: Building a Scalable E-Commerce Platform - Hiike
System Design Case Study: Building a Scalable E-Commerce Platform - Hiike
Hiike
 
Nunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdf
Nunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdfNunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdf
Nunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdf
flufftailshop
 
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slack
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with SlackLet's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slack
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slack
shyamraj55
 
Your One-Stop Shop for Python Success: Top 10 US Python Development Providers
Your One-Stop Shop for Python Success: Top 10 US Python Development ProvidersYour One-Stop Shop for Python Success: Top 10 US Python Development Providers
Your One-Stop Shop for Python Success: Top 10 US Python Development Providers
akankshawande
 
Serial Arm Control in Real Time Presentation
Serial Arm Control in Real Time PresentationSerial Arm Control in Real Time Presentation
Serial Arm Control in Real Time Presentation
tolgahangng
 
Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...
Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...
Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...
Tatiana Kojar
 
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdf
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdfHow to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdf
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdf
Chart Kalyan
 
UI5 Controls simplified - UI5con2024 presentation
UI5 Controls simplified - UI5con2024 presentationUI5 Controls simplified - UI5con2024 presentation
UI5 Controls simplified - UI5con2024 presentation
Wouter Lemaire
 
Fueling AI with Great Data with Airbyte Webinar
Fueling AI with Great Data with Airbyte WebinarFueling AI with Great Data with Airbyte Webinar
Fueling AI with Great Data with Airbyte Webinar
Zilliz
 
A Comprehensive Guide to DeFi Development Services in 2024
A Comprehensive Guide to DeFi Development Services in 2024A Comprehensive Guide to DeFi Development Services in 2024
A Comprehensive Guide to DeFi Development Services in 2024
Intelisync
 
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAU
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAUHCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAU
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAU
panagenda
 
TrustArc Webinar - 2024 Global Privacy Survey
TrustArc Webinar - 2024 Global Privacy SurveyTrustArc Webinar - 2024 Global Privacy Survey
TrustArc Webinar - 2024 Global Privacy Survey
TrustArc
 
Letter and Document Automation for Bonterra Impact Management (fka Social Sol...
Letter and Document Automation for Bonterra Impact Management (fka Social Sol...Letter and Document Automation for Bonterra Impact Management (fka Social Sol...
Letter and Document Automation for Bonterra Impact Management (fka Social Sol...
Jeffrey Haguewood
 
June Patch Tuesday
June Patch TuesdayJune Patch Tuesday
June Patch Tuesday
Ivanti
 
Artificial Intelligence for XMLDevelopment
Artificial Intelligence for XMLDevelopmentArtificial Intelligence for XMLDevelopment
Artificial Intelligence for XMLDevelopment
Octavian Nadolu
 
Building Production Ready Search Pipelines with Spark and Milvus
Building Production Ready Search Pipelines with Spark and MilvusBuilding Production Ready Search Pipelines with Spark and Milvus
Building Production Ready Search Pipelines with Spark and Milvus
Zilliz
 
Best 20 SEO Techniques To Improve Website Visibility In SERP
Best 20 SEO Techniques To Improve Website Visibility In SERPBest 20 SEO Techniques To Improve Website Visibility In SERP
Best 20 SEO Techniques To Improve Website Visibility In SERP
Pixlogix Infotech
 
Driving Business Innovation: Latest Generative AI Advancements & Success Story
Driving Business Innovation: Latest Generative AI Advancements & Success StoryDriving Business Innovation: Latest Generative AI Advancements & Success Story
Driving Business Innovation: Latest Generative AI Advancements & Success Story
Safe Software
 

Recently uploaded (20)

Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...
Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...
Deep Dive: AI-Powered Marketing to Get More Leads and Customers with HyperGro...
 
Choosing The Best AWS Service For Your Website + API.pptx
Choosing The Best AWS Service For Your Website + API.pptxChoosing The Best AWS Service For Your Website + API.pptx
Choosing The Best AWS Service For Your Website + API.pptx
 
System Design Case Study: Building a Scalable E-Commerce Platform - Hiike
System Design Case Study: Building a Scalable E-Commerce Platform - HiikeSystem Design Case Study: Building a Scalable E-Commerce Platform - Hiike
System Design Case Study: Building a Scalable E-Commerce Platform - Hiike
 
Nunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdf
Nunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdfNunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdf
Nunit vs XUnit vs MSTest Differences Between These Unit Testing Frameworks.pdf
 
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slack
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with SlackLet's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slack
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slack
 
Your One-Stop Shop for Python Success: Top 10 US Python Development Providers
Your One-Stop Shop for Python Success: Top 10 US Python Development ProvidersYour One-Stop Shop for Python Success: Top 10 US Python Development Providers
Your One-Stop Shop for Python Success: Top 10 US Python Development Providers
 
Serial Arm Control in Real Time Presentation
Serial Arm Control in Real Time PresentationSerial Arm Control in Real Time Presentation
Serial Arm Control in Real Time Presentation
 
Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...
Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...
Skybuffer AI: Advanced Conversational and Generative AI Solution on SAP Busin...
 
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdf
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdfHow to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdf
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdf
 
UI5 Controls simplified - UI5con2024 presentation
UI5 Controls simplified - UI5con2024 presentationUI5 Controls simplified - UI5con2024 presentation
UI5 Controls simplified - UI5con2024 presentation
 
Fueling AI with Great Data with Airbyte Webinar
Fueling AI with Great Data with Airbyte WebinarFueling AI with Great Data with Airbyte Webinar
Fueling AI with Great Data with Airbyte Webinar
 
A Comprehensive Guide to DeFi Development Services in 2024
A Comprehensive Guide to DeFi Development Services in 2024A Comprehensive Guide to DeFi Development Services in 2024
A Comprehensive Guide to DeFi Development Services in 2024
 
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAU
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAUHCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAU
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAU
 
TrustArc Webinar - 2024 Global Privacy Survey
TrustArc Webinar - 2024 Global Privacy SurveyTrustArc Webinar - 2024 Global Privacy Survey
TrustArc Webinar - 2024 Global Privacy Survey
 
Letter and Document Automation for Bonterra Impact Management (fka Social Sol...
Letter and Document Automation for Bonterra Impact Management (fka Social Sol...Letter and Document Automation for Bonterra Impact Management (fka Social Sol...
Letter and Document Automation for Bonterra Impact Management (fka Social Sol...
 
June Patch Tuesday
June Patch TuesdayJune Patch Tuesday
June Patch Tuesday
 
Artificial Intelligence for XMLDevelopment
Artificial Intelligence for XMLDevelopmentArtificial Intelligence for XMLDevelopment
Artificial Intelligence for XMLDevelopment
 
Building Production Ready Search Pipelines with Spark and Milvus
Building Production Ready Search Pipelines with Spark and MilvusBuilding Production Ready Search Pipelines with Spark and Milvus
Building Production Ready Search Pipelines with Spark and Milvus
 
Best 20 SEO Techniques To Improve Website Visibility In SERP
Best 20 SEO Techniques To Improve Website Visibility In SERPBest 20 SEO Techniques To Improve Website Visibility In SERP
Best 20 SEO Techniques To Improve Website Visibility In SERP
 
Driving Business Innovation: Latest Generative AI Advancements & Success Story
Driving Business Innovation: Latest Generative AI Advancements & Success StoryDriving Business Innovation: Latest Generative AI Advancements & Success Story
Driving Business Innovation: Latest Generative AI Advancements & Success Story
 

Mobile Payment Index Study

  • 1. For informed direction Mobile Payment Index May 2012 Private & Confidential © eDigitalResearch 2012
  • 2. eDigitalResearch Mobile Payment Index Mobile Payment Index New quarterly eDigitalResearch study looking at the uptake and general consumer perceptions of mobile payments and NFC Private & Confidential © eDigitalResearch 2012 2
  • 3. eDigitalResearch Mobile Payment Index: Introduction The explosive uptake of smartphone devices and mCommerce by consumers has been hard to miss, changing forever the way in which we browse, buy and communicate. The introduction of NFC technology and contactless mobile payments are likely to change all of this again and revolutionarise the way in which we perceive our mobile devices. The essential mental check list of ‘keys, wallet, phone’ every time you leave the house will soon be a thing of the past. eDigitalResearch have been tracking the development of mCommerce since October 2009 when the channel was still in its infancy. Like the Internet, we’ve watched mobile become a customer touch point in it’s entirety, driven completely by consumer demand. 2012 has been dubbed by many as the ‘Year of NFC’ when industry experts feel that everything will align and contactless mobile payments will become a major part of our high street shopping experience. With that in mind, eDigitalResearch have begun surveying consumer behaviour and attitudes towards the technology, benchmarking results quarterly and tracking changing trends. Unlike mCommerce, with mobile payments, it will be retailers, technology providers, handset manufacturers and banks who will be driving the change. Without access to the technology, consumers will be unable to use contactless mobile payments. This study, the first of it’s kind, looks to understand current consumer thinking towards contactless mobile payments and covers consumer demand to the barriers that currently stand in the way of widespread adoption. Private & Confidential © eDigitalResearch 2012 3
  • 4. eDigitalResearch Methodology A survey was sent to a consumer panel between the 13th and 18th March 2012. 2,078 responses were collected in total: 1,068 were completed by smartphone owners and 1,017 were completed by non- smartphone owners. The survey covered all areas surrounding contactless mobile payments, including: Awareness Previous use, early adopters and satisfaction Future use Perceived benefits and limitations Improvements and Regulation The survey also looked at consumer perceptions surrounding the use of contactless mobile payment around the Olympic Games, as well as mobile apps designed specifically to make mobile payments to individuals. eDigitalResearch will continue to run the Mobile Payment Index on a quarterly basis, in order to help companies and organisations better understand contactless mobile payment use, track developments, and plan for the future. This is the first study of it’s kind. Private & Confidential © eDigitalResearch 2012 4
  • 5. Mobile Payment Index results Private & Confidential © eDigitalResearch 2012 5
  • 6. eDigitalResearch Mobile Payment Index: Key Findings General consumer awareness of contactless mobile payments is still relatively low. Retailers, handset manufactures, network providers and banks will all need to work together to improve this. Almost half (44%) of those that already have the technology enabled on their smartphone devices have already used contactless mobile payments to make a purchase. Results show that early adopters are predominately young males. Satisfaction amongst early adopters is very high, suggesting that once used, consumers are likely to want to use it again. Mobile payments are likely to increase over the next year, especially amongst smartphone owners Consumers are most likely to use contactless mobile payments at supermarkets, fast-food outlets, cafes, and public transport links, places where queuing times can often exceed customer expectations. Security is the one, fundamental concern surrounding contactless mobile payments. Providers will need to work together to help increase consumer trust. Private & Confidential © eDigitalResearch 2012 6
  • 7. eDigitalResearch Conclusions Security remains a key concern for consumers, and unless more can be done to reassure potential contactless mobile payment users, is likely to dampen the growth of NFC technology in the UK. Whilst the introduction of payment apps and other mobile enabled payment devices is helping to build consumer awareness, the media glare on security and other certain risks is helping to prevent widespread consumer adoption. In order for the UK to achieve the sort of NFC and contactless mobile payment growth predicted in 2012, it is essential that payment providers, retailers, banks and mobile manufacturers work together to put into place the following three essential key features: Consumer awareness: build the public’s knowledge and address security concerns. Retailer adoption: greater awareness will build as more and more retailers encourage their customers to use the technology. Access to technology: contactless mobile payments are currently only available to a select few due to the limited number of NFC enabled handsets available on the market. Private & Confidential © eDigitalResearch 2012 7
  • 8. eDigitalResearch Contactless Mobile Payment: Awareness Before this survey, were you aware of what Contactless Mobile Payments were? 67% of survey respondents have heard of Contactless Mobile Payments before, yet only 17% of people are ‘completely aware’ of what it is. 36% 33% 17% 15% Yes, completely Yes, partly No, but I have heard of it No, never heard of it n=2,078 Private & Confidential © eDigitalResearch 2012 8
  • 9. eDigitalResearch Contactless Payment: Awareness Have you seen any Contactless Mobile Payment Points or symbols before? 15% 24% Of the 2,000 consumers surveyed, 61% haven’t seen contactless mobile payment points before, whilst just 15% claim that they have. Of that 61% 15%, 29% live in London or the South East. n=2,016 Private & Confidential © eDigitalResearch 2012 9
  • 10. eDigitalResearch Contactless Mobile Payment: Awareness Are you aware of any of the following types of goods or service providers that have Contactless Mobile Payment points? Supermarkets Fast-food outlets Public transport links Cafes/cofee shops Restaurants Department stores Awareness of contactless mobile Smaller retailers payment points mirrors those brands and retailers who are already investing Hard good retailers in the technology, such as Entertainment venues supermarkets, fast food outlets and coffee chains like Starbucks. Soft good retailers Other 0% 2% 4% 6% 8% 10% 12% n=2016 Private & Confidential © eDigitalResearch 2012 10
  • 11. eDigitalResearch Mobile Wallets: Awareness Before this survey, were you aware of what Mobile Wallets and/or Mobile Wallet payments were? 54% Awareness of mobile wallets is considerably lower than contactless mobile payments. Just one third (33%) of those surveyed have never heard of contactless mobile payments, whilst over half (54%) have no previous knowledge of mobile wallets whatsoever. 20% 19% 7% Yes, completely Yes, partly No, but I have heard of it No, never heard of it n=2,016 Private & Confidential © eDigitalResearch 2012 11
  • 12. eDigitalResearch Mobile Wallets: Awareness Do you know how to use a Mobile Wallet to pay for goods or services? 74% Consumer knowledge surrounding the use of mobile wallet technology is particularly limited. Respondents seemed very unconfident on how to actually use it to pay for goods and services and is something that all parties (retailers, technology providers and banks) will need to work on together to improve. 20% 6% Yes, completely Yes, partly No n=2,016 Private & Confidential © eDigitalResearch 2012 12
  • 13. eDigitalResearch Contactless Mobile Payments Do you have a Mobile Wallet on your handset, or the ability to make Contactless Mobile Payments via your phone? 64% Of those respondents who own a smartphone, just 4% have NFC technology available on their handset. One third (32%) of smartphone owners are unsure, reflecting the considerable amount of confusion surrounding the technology and reaffirms the need to increase 32% awareness around contactless mobile payments. 4% Yes No Don't know n=1,904 Private & Confidential © eDigitalResearch 2012 13
  • 14. eDigitalResearch Contactless Mobile Payment use Have you used your phone to make a payment before, using Contactless Mobile Payment Point? 47% 47% Of the small percentage that do have NFC enabled handsets, an encouraging 47% have already used the technology to make a purchase. 6% Yes No Not sure n=79 Private & Confidential © eDigitalResearch 2012 14
  • 15. eDigitalResearch Early Adopters Results show that the majority of early adopters of contactless mobile technology are young males aged between 25-34. Male Female 18-24 25-34 35-44 45-54 8% 13% 32% 31% 68% 48% n=79 Private & Confidential © eDigitalResearch 2012 15
  • 16. eDigitalResearch Contactless Mobile Payments: Previous use Where have you used Contactless Mobile Payments? Supermarkets Resaurants Department stores Fast-food outlets Soft goods retailers Hard goods retailers Over half (53%) of those that have already Smaller retailers made a contactless mobile payment, have done so at a supermarket. Interestingly, Public transport links more consumers have used the technology in more traditional retail settings than Cafes / Coffee shops fast food outlets and cafés, despite Entertainment venues these brands having invested more in NFC systems. None of the above 0% 10% 20% 30% 40% 50% 60% n=37 Private & Confidential © eDigitalResearch 2012 16
  • 17. eDigitalResearch Contactless Mobile Payment: Previous use Of those survey respondents that have used Contactless Mobile Payments to make a purchase, the majority have 6% 5% 6% used the technology to purchase small to medium Less than £5 items and on average spending £6.76 per purchase. 11% £5-£10 8% £11-£20 £21-£50 59% 17% £51-£80 54% 22% £81-£100 £101-£200 25% More than £200 n=37 27% 14% 3% Small purchases e.g. Medium purchases e.g. Big purchases e.g. High-end purchases Don’t know sandwiches books, CDs, DVDs weekly food shop e.g. holidays n=37 Private & Confidential © eDigitalResearch 2012 17
  • 18. eDigitalResearch Future use How likely are you to use it again? 62% 62% of previous contactless mobile payment users said that they were ‘Very likely’ to use the technology again, whilst an additional 24% said they were ‘Quite likely’, suggesting that satisfaction with the technology is very high overall. 24% 11% 3% 0% Very likely Quite likely Not sure Quite unlikely Very unlikely n=37 Private & Confidential © eDigitalResearch 2012 18
  • 19. eDigitalResearch Contactless Mobile Payment: Satisfaction How satisfied are you with using Contactless Mobile Payment Points to make a payment? Satisfaction amongst previous users of the 24% technology is extremely high. 43% rate the technology extremely highly, giving a score of 9 22% or above. 19% This suggests that users are likely to use the 16% technology again, reaffirming the significance of increasing consumer awareness and 14% confidence surrounding contactless mobile payments to encourage more first time users. 3% 3% 0% 0% 0% 0% 0 1 2 3 4 5 6 7 8 9 10 n=37 Private & Confidential © eDigitalResearch 2012 19
  • 20. eDigitalResearch Contactless Mobile Payment: Future use 18% of smartphone owners are either ‘Very likely’ or ‘Quite likely’ to use contactless mobile payment within the next year, whilst an additional 34% are not sure - most likely due to the fact that they currently do not have the technology available on their smartphone devices and are unsure of when this functionality will be rolled out on more handsets. It’s important, however, that mobile firms, technology providers and retailers work to increase consumer awareness and convert this segment of consumers into contactless mobile payment users. How likely are you to use contactless mobile payments in the next one year? 38% 34% 12% 9% 6% Very likely Quite likely Not sure Quite unlikely Very unlikely n=1,979 Private & Confidential © eDigitalResearch 2012 20
  • 21. eDigitalResearch Future use Of those that said that they would be either ‘Very likely’ or ‘Quite likely’ to use contactless mobile payments within the next year, 29% are males aged between 25-34, whilst 32% are females within the same age range. Male Female 18-24 25-34 35-44 45-54 55-64 65+ 18-24 25-34 35-44 45-54 55-64 65+ 7% 4% 5% 10% 10% 16% 29% 18% 32% 21% 23% 25% 24% of early adopters said that the maximum they would be willing spend using contactless mobile payments was between £11-£20, whilst an additional 22.8% said that they would not be willing to spend above £50. Private & Confidential © eDigitalResearch 2012 21
  • 22. eDigitalResearch Future use Where would you use Contactless Mobile Payments? Supermarkets Resaurants Fast-food outlets Future users would be most Public transport links likely to use the technology at supermarkets, fast Cafes / Coffee shops food outlets, café’s and public transport links, Entertainment venues where waiting can Department stores traditionally take up a considerable amount of Smaller retailers time, and where consumers feel that they would see Soft goods retailers the greatest benefit. Hard goods retailers None of the above 0% 10% 20% 30% 40% 50% 60% 70% 80% n=368 Private & Confidential © eDigitalResearch 2012 22
  • 23. eDigitalResearch Future use Why are you unlikely to use Contactless Mobile Payments in the near future? 58% 35% 28% 29% 22% 21% 23% 14% 15% 13% Happy with Concerns Have no I'm not Unsure how Limited places The I Unsure of Don't want Not likely to how I pay at about reason to use interested in it the I can use it have/want which phones that get a new the moment security/fraud it technology doesn't allow allow technology phone that works contactlss contactless enabled on allows mobile mobile my phone contactless payments payment mobile payment A lack of information and understanding, as well as concerns over security are major factors stopping consumers from using the technology in the foreseeable future. Other barriers include a lack of knowledge when it comes to NFC enabled handsets. n=1,616 Private & Confidential © eDigitalResearch 2012 23
  • 24. eDigitalResearch Perceived Benefits Ease and convenience are seen as the main consumer benefits of contactless mobile payments. Worryingly, almost one third (32%) don’t see any benefits whatsoever. However, 56% of these are non smartphone owners and are therefore unlikely to have access to the technology in the near future. 32% What do you think are the benefits of using Contactless Mobile 32% Payments to make a purchase? 29% 29% 22% 17% 15% 15% 9% 6% 6% 4% 3% Convenient Easier to Quick to No paper Better able It's safe Less likely It uses the It is There are The Other I don't to pay with pay with pay with receipts so to keep and secure to latest moving lots of technology think there mobile mobile mobile less track of encounter technology forward paypoints is are any than taking change of how much fraud with the around available, benefits cash/cards losing I am times so why not with me personal spending info n=2,016 Private & Confidential © eDigitalResearch 2012 24
  • 25. eDigitalResearch Perceived Limitations Security and fraud are currently the biggest barriers to widespread adoption, as well as concerns over technical issues. However, as retailers, providers and manufacturers work together to improve consumer knowledge and access, we would expect the amount of people concerned about how the technology works, access to pay points and NFC enabled handsets to decrease over the course of the coming months. What do you see as the limitations of using Contactless Mobile Payments to make purchases? 51% 38% 34% 31% 29% 28% 23% 23% 22% 13% 7% 7% 4% Can only be Not needed, There is a More Hard to keep Concerns over More open to Too Not much clarity Not enough pay Technology not Other There are no used for certain can pay using maximum susceptible to track of how security fraud technologically on how much to points around available on all limitations purchases cash/cards spend limit technical issues much I am advanced pay/how it phones spending n=2,016 works Private & Confidential © eDigitalResearch 2012 25
  • 26. eDigitalResearch Contactless Mobile Payments: Regulation Who do you think should be responsible for regulating mobile payment technology? 40% 38% 35% 34% 21% 21% 19% 19% 16% 15% 10% 7% 0% 1% Of the 2,000 consumers surveyed, 40% of consumers feel that regulation responsibilities should fall to mobile phone networks, whilst 35% feel that banks should take up the mantel. Only 15% feel that the responsibility should lie with handset manufacturers and suggests that if banks and mobile networks work together to increase consumer trust, they are likely to make the biggest strides. n=2,016 Private & Confidential © eDigitalResearch 2012 26
  • 27. eDigitalResearch Contactless Mobile Payments: Improvements We asked all 2,000 survey respondents what improvements they think need to be made to Contactless Mobile Payments. Better/Tighter security: 22.8% of respondents do not feel confident enough that there is enough security surrounding Contactless Mobile Payments More information: 10.34% of consumers feel that more information is needed to help increase awareness. Similarly, an additional 6.9% felt that they didn’t have enough information on Contactless Mobile Payments to make a comment within the survey, reaffirming the importance of increasing awareness. More pay points: 8.75% of respondents felt that the lack of available places where they could use Contactless Mobile Payments was holding back the technology. To improve, retailers and technology providers need to look at integrating more pay points around stores, as well as branching out to all locations. Technology available across all mobile devices: 1.3% of respondents wanted to start using the technology yet couldn’t because NFC technology is only available to a select number of mobile users. We would expect this figure to drop though as more and more popular makes and models include the technology. Private & Confidential © eDigitalResearch 2012 27
  • 28. eDigitalResearch Mobile Payment Apps After the introduction of Barclay’s Pingit app, we decided to ask consumers what their views and opinions were on this type of technology and how possible widespread adoption is likely to be. How likely would you be to use an app like Pingit to make payments if your bank introduced the same technology? 34% 38% 12% 9% 6% n=1,632 Very likely Quite likely Not sure Quite unlikely Very unlikely 75% Why have you not used the Barclays Pingit app? 41% 23% 20% 16% 13% 16% 12% 11% 1% Never heard Not a Phone not Happy with Concerns Had no I'm not Unsure of Don't know Other of it Barclays compatible how I pay at about reason to use interested in how the anyone else I customer the moment security/fraud it it technology can use it n=1,969 works with Private & Confidential © eDigitalResearch 2012 28
  • 29. eDigitalResearch Mobile Payment Apps Are you more or less likely to trust this method of payment if it is being endorsed by banks? 55% 31% 15% n=2,016 More likely to trust it Less likely to trust it Doesn't make a difference Again, general consumer awareness surrounding this type of technology is very low, with 75% of those surveyed claiming that they had never heard of the app. However, there appears to be a lot more trust of this type of technology when compared to contactless mobile payments, with just 13% of the 2,000 surveyed claiming that they had concerns over security and fraud. Almost 1 in 5 (18%) said that they were likely to use the technology if their banks introduced a similar app, whilst an additional 34% are not sure, suggesting that if more information is provided to consumers, then uptake may be higher. Private & Confidential © eDigitalResearch 2012 29
  • 30. About eDigitalResearch Private & Confidential © eDigitalResearch 2012 30
  • 31. eDigitalResearch eDigitalResearch mobile insight solutions In store QR App mCommerce codes Mobile detection technology Automatically detects when a user is accessing a survey through a PC or mobile device (smartphone and tablet) and serves them either a standard or mobile enabled survey Currently tracking around 10% (+100% yoy) survey completes from a mobile or tablet device for all eDigitalResearch surveys ‘Younger fashion’ most popular sector for completing surveys on mobile Private & Confidential © eDigitalResearch 2012 31
  • 32. eDigitalResearch Mobile Marketing Research Association eDigitalResearch are very proud to be a Founding Member of the MMRA eDigitalResearch, along with other members, will be working alongside the MMRA to develop and promote professional standards and ethics in mobile market research. eDigitalResearch’s mobile studies include: • Tracking rise of mCommerce with consumers since October 2009 • Benchmarking emerging mobile retail sites since August 2010 • Benchmarking mobile retail Apps since April 2010 • Comparing cross channel consumer experience across eChannel’s since December 2011 Private & Confidential © eDigitalResearch 2012 32
  • 33. eDigitalResearch Who we are and what we do We are one of the leading providers of digital market research • established in 1999 by current directors/owners • self funded, financially secure, clear ethics • own system with outstanding technical support • team of research professionals We are migrating traditional market research to digital methodologies • reducing costs – fixed pricing model • faster results – real time results • improving accuracy – no response or panel limits We are developing and introducing innovative research solutions • social networking (digital communities) • maximising respondent engagement • industry norms/benchmarking • mCommerce/mResearch Company Partners Private & Confidential © eDigitalResearch 2012 33
  • 34. eDigitalResearch Product Overview eMysteryShopper eDigitalSurvey • ‘Open’ user research • ‘Closed group’ research • Visitor/user opinion • Usability & • Key performance ‘end to end’ experience indicators • Benchmarking • Brand advocacy Verbatim Coding • Automated qual-to- HUB ePanelManager Insight and quant text analysis Analysis • Omnibus research •Full reporting of • Client panel verbatim comments management across any digital • Media panels medium eDigitalCommunity • Web 2.0 • 3 way dialogue from profiled users • Product ratings • Net chats Private & Confidential © eDigitalResearch 2012 Page 34
  • 35. For a bespoke research programme designed specifically to gain insight and understanding into your mobile audiences, please Vanbrugh House, Grange Drive contact Lynda Baker, Business Hedge End Development Manager at Hampshire SO30 2AF lynda.baker@edigitalresearch.com Tel: 01489 772920 Similarly, if you would like more www.edigitalresearch.com information on the results then please contact eDigitalResearch by @eDRtweet emailing info@edigitalresearch.com eDigitalResearch Key Contacts: Lisa Bonczyk – Associate Director, Sales and Marketing–lisa.bonczyk@edigitalresearch.com Liana Vickery – Marketing Executive - liana.vickery@edigitalresearch.com Private & Confidential © eDigitalResearch 2012 35