Mobilepayments 121211040142-phpapp02

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Mobile payments is a growing industry projected to reach $320 billion by 2016. It consists of 3 building blocks and different collaboration models between telecom companies, banks, and app stores. While initiatives and trials are underway using NFC and proximity payments, a viable business model is still 2-4 years away from maturity as the industry works on standards and partnerships between different players.

Technology Business

Introduction Mobile Payments:
Overview of models
Vlerick Alumni 20/11/2012
Stijn Vander Plaetse

Mobile Payments

8,1 Trillion SMS
sent

Operator centric

Mobile Payments
App stores: 37% (Apple) to 72% (Android)free

Mobile Payments

New models emerge

Source : Mobile Payments Today

Mobile Payments

Projections : up to 320Bio $ by 2016

Source : Mobile Payments Today

Mobile Payments

Projections : up to 670Bio $ by 2015

Source : Mobile Payments Today

Mobile Payments

Actuals : today 315Mio$/day

Source : Mobile Payments Today

Mobile Payments

Mostly digital goods

Source : Mobile Payments Today

Mobile Payments

Mobile Payments consists of 3 building
blocks : explaining need of eco-systems

Pre-paid

X X Post-paid

Mobile Payments

Mobile Payments is part of the equation

Mobile Payments

Different Collaboration Models are
possible

Source : SapientNitro

Different initiatives
ISIS group : mid
2012 focus proximity
payment: AT&T
Mobility, Verizon
Wireless, and T-
Mobile

stopped: ABN Amro,
Orange and MC, O2 ING , Rabobank,
and Visa : launch mid KPN, Vodafone, T-
Startups and major
internet players : m- 2011 from 2012 Mobile
commerce and olympics with Oyster
proximity in 2011- (2Mio users) Vodaphone, DT:
2012 with NFC
embedded trials NFC,
proximity focus

Different activities Telecom Austria announced
: mainly Person 2 NFC trials at GSMA. Sms
person remote parking and ticketing omni-
payments. Mio’s present
of users

Trial NFC : Turkcell-YAPI Credi-
VISA : 40k merchants 1/2011
Avea-Garanti= mastercard 12/10 :
35k merchants , target 100k users

Consortium Buys Atos
Agreement between :
Origin, Bouygues Telecom,
Orange, Telefónica
Orange and SFR ter :m-
Movistar and Vodafone
commerce focus+ NFC trial
No commercial joint actions
. Atos Origin, Bouygues
Telecom, Orange and SFR

Mobile Payments
Chances: Viable Business Model

Open Federation
Model

4 7 20% 26% 43%
% %
Mobile-financial
institution partnership

3rd party
intermediation
model

Mobile Payments
Another 2-4 years to reach
maturity

Source : SapientNitro

Mobile Payments
Or is Mobile Payments is part of a larger
equation

Mobile phones can enable financial services and payments for those without access to traditional banking. Rural entrepreneurs in developing countries can use phones as a replacement for assets like cows. In the Philippines, G-Cash allows payments through mobile airtime that can be used to shop, take out microloans, and make payments to retailers. For mobile finance to grow, issues of trust, standards, privacy and regulations must be addressed at both the physical and digital levels. The future hopes that mobile devices can serve as banking and payment infrastructure to empower and develop communities.

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Mobilepayments 121211040142-phpapp02

1. Introduction Mobile Payments: Overview of models Vlerick Alumni 20/11/2012 Stijn Vander Plaetse

2. Mobile Payments 8,1 Trillion SMS sent Operator centric

3. Mobile Payments App stores: 37% (Apple) to 72% (Android)free

4. Mobile Payments New models emerge Source : Mobile Payments Today

5. Mobile Payments Projections : up to 320Bio $ by 2016 Source : Mobile Payments Today

6. Mobile Payments Projections : up to 670Bio $ by 2015 Source : Mobile Payments Today

7. Mobile Payments Actuals : today 315Mio$/day Source : Mobile Payments Today

8. Mobile Payments Mostly digital goods Source : Mobile Payments Today

9. Mobile Payments Which use cases?:

10. Mobile Payments Mobile Payments consists of 3 building blocks : explaining need of eco-systems Pre-paid X X Post-paid

11. Mobile Payments Mobile Payments is part of the equation

12. Mobile Payments Different Collaboration Models are possible Source : SapientNitro

13. Different initiatives ISIS group : mid 2012 focus proximity payment: AT&T Mobility, Verizon Wireless, and T- Mobile stopped: ABN Amro, Orange and MC, O2 ING , Rabobank, and Visa : launch mid KPN, Vodafone, T- Startups and major internet players : m- 2011 from 2012 Mobile commerce and olympics with Oyster proximity in 2011- (2Mio users) Vodaphone, DT: 2012 with NFC embedded trials NFC, proximity focus Different activities Telecom Austria announced : mainly Person 2 NFC trials at GSMA. Sms person remote parking and ticketing omni- payments. Mio’s present of users Trial NFC : Turkcell-YAPI Credi- VISA : 40k merchants 1/2011 Avea-Garanti= mastercard 12/10 : 35k merchants , target 100k users Consortium Buys Atos Agreement between : Origin, Bouygues Telecom, Orange, Telefónica Orange and SFR ter :m- Movistar and Vodafone commerce focus+ NFC trial No commercial joint actions . Atos Origin, Bouygues Telecom, Orange and SFR

14. Mobile Payments Chances: Viable Business Model Open Federation Model 4 7 20% 26% 43% % % Mobile-financial institution partnership 3rd party intermediation model

15. Mobile Payments Another 2-4 years to reach maturity Source : SapientNitro

16. Mobile Payments Or is Mobile Payments is part of a larger equation

Mobilepayments 121211040142-phpapp02

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