One tap commerce mobile development services 2014 visa (1)

OneTap Commerce
MOBILE COMMERCE ENABLEMENT
September, 2014

2OneTap Commerce © 2014
Contents
Why is mobile commerce such a hot topic today?
Our mobile commerce services
Helping our customers build mobile solutions

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The advent of ecommerce fostered in an evolution in the way customers
trade with businesses. Mobile Commerce is a revolution.
Mobile commerce is opening a BIG
new window of commerce. That hour
train commute you have means you
are now ‘open for business’. That’s 10
hours a week of possible incremental
commerce availability.
Ecommerce brought about
disruptive change to brick and
mortar merchants – and
competition.
Mobile commerce integrates
them.
This changes everything.
Mobile commerce is soaking up
‘perishable inventory’ by matching
customers with merchants, on-the-
go. Geo-located offers means that
restaurant is now filling more tables.
The hair-dresser, the taxi driver, the
grocery store… They are all more
efficiently selling their inventory
because they can know where their
customers are and sell accordingly.
Mobile commerce is not just about
selling – it is much, much more. Your
mobile is your accountant, your
concierge, your health advisor, your
nanny, your security guard, your
navigator, your shopping buddy, your
rewards optimizer, your appointment
reminder. Your everything.
OneTap Commerce © 2014

Why has mobile commerce become such a hot topic all of a sudden?
Several recent, significant
catalysts are accelerating the
adoption of mobile
commerce…
 Until recently, mobile network operators
controlled which apps could make NFC
payments from a phone (via the SIM)
 HCE breaks this ‘monopoly’ by placing
control back with the issuer and making
mobile commerce available to everyone
 With Google’s Android recently embedding
HCE, and its 81% share of global smart
phones… everyone’s paying attention now
 Loyalty programmes, promotions and
other content can now be integrated with
payments, in real-time to create highly
personalised customer experiences. This
was never possible with plastic cards.
Press Release: Mobile Payments to
Reach $1.3tn Annually by 2017, as
NFC and Physical Goods Sales
Accelerate
How MasterCard and
Visa Just Made
Banks the Next Big
Players in Mobile
Payments
February 19, 2014, 5:30 AM PST
By Jason Del Rey
http://recode.net/2014/02/19/how-your-banks-app-may-
someday-replace-your-wallet-thanks-to-mastercard-and-visa/

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With the advent of mobile commerce solutions, businesses can now play a
MUCH more value-add role in the customer’s payment life
 Guide customers to stores, using
real-time offers, based on geo-
fencing and real-time offers?
 Cross sell / Up sell?
 Dynamic credit decisions?
 Etc.
 Faster, more convenient,
smoother experiences
 More information passed
to customer, in real-time
 Cross-selling
 Etc.
 Revolving and installment
options?
 Post-purchase cross-selling?
 Etc.
 Convenience, money saving for
customers
 More footfall for merchants
 Commission revenue to issuer
from merchants for driving
footfall
 Customer convenience
 Increased transactions
 Better cash-flow mgmt. for
customer
 Interest bearing revenue for
issuer
Before the transaction During the transaction After the transaction
Benefits
Before mobile commerce, many businesses
conducted business passively, simply ‘ringing the
customer up at the till’ – that’s all changing now
Our Prediction: businesses will broaden the scope of their interactions with customers, with mobile

Contents

New customer acquisitions
Cross-selling and Upselling
Customer on-boarding
Retention & win-back
Increasing product/services usage
Underwriting
Application processing
Credit risk management
Collections (recoveries)
Fraud
Operations management
We specialize in developing solutions that use mobile devices to specifically
address business challenges in the banking / payments arena…
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Our Mission:
Determine how mobile
devices can directly help
payment card teams with
their everyday business
problems

We address these business challenges using a robust toolkit with many
building blocks, to create amazing mobile customer experiences
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We create tailored mobile solutions, using a broad array of
mobile capabilities and the constantly expanding sea of apps
customers love to use
A different combination of apps and functions means each
solution can have a unique architecture – enabling our
customers to significantly differentiate their propositions and
break the cycle of price competition

OneTap Commerce © 2014 9
The trick to building great mobile experiences for customers which are
efficient, reliable and scalable is to use an established base architecture, on
which we can plug in all the value-add apps and mobile functions ...
OneTap Commerce
Collect ™
OneTap Commerce
Monitor ™
OneTap Commerce
Decide ™ OneTap Commerce
Touch ™ OneTap Commerce
Transact ™
OneTap Commerce
Learn ™
 Bring in data (offers,
location, events,
customer
requests/inputs,
etc.)
 Integrate the data,
in real-time, and
prepare it for use
 Monitor sensors,
data sources,
locations, loyalty
program details, etc.
24 x7
 Learn the nuances
of the customer’s
situation to help in
all the right areas at
all the right times
 Analyze the
collected knowledge
about the customer
 Make decisions
about what to say to
them
 Cue up the message
for delivery
 Get the customer’s
attention – via alerts,
messaging, emails, etc
 Communicate good
deals, risk of missing
meetings, birthday
gifts to buy, groceries
needed, train delays,
etc.)
 Security and
authentication
 eWallet integration
 HCE, tokenization,
etc.
 QR code generation
 Process everything the customer has done and not done and learn from it
 Take on board their likes and dislikes they have input about experiences
 Use advanced, self-learning data mining algorithms to learn what is working and not working
The OneTap Commerce Mobile Commerce Architecture

How are we different? We are not ‘app developers’, but a multi-disciplinary
team with strategy, proposition, CRM & tech resources
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 CRM/Customer Interaction
 Data integration
 E-wallets
 Gateway Processor
 Loyalty and Couponing
 Payments
 Real-time Personalization
 Security
 Software/App Integration
 Etc.
Deploy mobile infrastructure
What we do
 Consumer / commercial
 Credit / debit cards
 Smart phones, feature
phones, tablets, phablets
 iOS, Android, Windows,
Java, Blackberry…
Build mobile solutions (propositions)

We are also different because we never start a client’s mobile journey
‘from scratch’, we make use of a set of Mobile Commerce Starter Packs…
that we built for this purpose
Consumer Card Solutions
1. Finance ‘on the fly’
2. Location Based Behavioural
Targeting
3. Mobile as a Primary Bill Pay
Hub
4. Mobile Travel Companion
5. Transaction Assurance
Application
Commercial Card Solutions
1. Owner-Centric Controls
2. Cash Flow Portal
3. Franchise App
1. The rationale for the
solution
 Research
 Trends
 Logic case
2. The use case – how it
works
 Introduction to the user
 Sign-up/set up of the
solution
 A “day in the life of the
customer” story
3. Description of what is in
the solution
4. Positioning
 Headline features
 Supporting features
 Pricing considerations
 Customer experience
5. Description of benefits for
the stakeholders
(customer, issuer and
merchant)
6. Quantitative and
qualitative impacts for
issuers
7. ROI model (MS Excel)
11
8 mobile starter packs to jumpstart mobile deployment

OneTap Commerce © 2014 12
Contents

13
We help our customers develop their mobile solutions and underlying
infrastructure by offering 5 services
Our Mobile Commerce Services
Mobile Opportunity
Assessment and
Strategy
Mobile
Proposition
Definition
&
Business
Plan
Pilot
Launch &
Testing
Commercial
Roll Out
&
Business
Plan
Mobile Solution
Development
 We provide cutting edge mobile
technologies and services to
enterprises wishing to quickly gain
traction in the mobile commerce
space.
 We conceive of, design, build,
deploy and manage bespoke
mobile ecosystems for our clients.
 Depending on how far along the
client is in their ‘mobile journey’,
we can help with formulating their
plans and business cases, or ‘down
in the weeds’ installing complex
mobile technologies.

I. Market research baseline (competitive
landscape, technologies, trends and analysis)
II. Mobile commerce vision creation
III. ‘Monetising’ the vision
IV. Mobile readiness assessment
V. Partner & technology ecosystem requirements
VI. Strategy & plan
Mobile Opportunity Assessment and Strategy
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It all begins with a compelling and financially sound mobile commerce vision,
strategy and plan
Mobile Opportunity
Assessment and
Strategy

I. Mobile proposition ideation
II. Pricing model, ROI and P&L projections
III. Rapid mobile application development
(Storyboard) & app video creation (YouTube)
IV. Success criteria definition & agreement
V. Risk assessment
VI. Product requirements document
VII. Business plan development & agreement
Mobile Proposition Definition & Business Plan
Once the plan is agreed, we help customers quickly create their mobile
commerce propositions and prototype them
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Mobile
Proposition
Definition
&
Business
Plan

I. Engineering solution definition and sign-off
II. Ecosystem partner negotiations & agreements
III. Software and hardware licensing
IV. Platform implementation
i. Front-end application development
ii. Systems integration
iii. Testing
iv. Certification
v. Analytics
Mobile Solution Development
Our mobile development professionals then take over, using cutting edge
tools and components to build tailored, differentiated mobile commerce
solutions
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Mobile Solution
Development

I. Develop pilot plan & recruit participants
II. Pilot dry-run
III. Launch pilot
IV. Employee training
V. Performance assessment (system, ecosystem
partners and users)
VI. ‘Kill switch’ decision
VII. Integrate learning and agree refinements
VIII. Implement refinements
IX. Prepare for rollout
Pilot Launch & Testing
A pilot solution is then tested with the test participants and quickly refined,
using agile development methods
17
Pilot
Launch &
Testing

I. Move pilot to production environment
II. Develop marketing & sales plan and materials
III. Develop training and internal communications
plan
IV. Execute internal communications and training
V. Launch marketing campaign and announce
rollout
VI. Go-to-market support
Commercial Rollout
Lastly, when the solution is completely stabilized, the full scale rollout to the
market is executed
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Commercial
Roll Out

* Depends number of card processing systems in use at client & options they select in the process; HCE can be deployed with set options, on one processing platform in 12 weeks
HCE - User Side Implementation
 Agree e-wallet features
 Develop initial interface diagrams and
user flow
 Review & update interface diagrams
and user flow with client
 Review interface design and user flow
with developer
Requirements / Solution Definition
 Conduct issuer discovery/assessment
 Conduct ideation sessions & develop
prototype HCE app.
 Document requirements
 Define solution
 ROI Model
 Review requirements, solution design &
ROI model with issuer & obtain signoff
HCE ‘Ecosystem’ Partner Selection
 Collect latest collateral, specs and
documents on tool/service providers
 Review landscape of options with issuer
 Agree on vendor scoring tool criteria
 Prepare and issue Request For Proposal
 Select vendors, conduct negotiations &
sign agreements
HCE - Server Side Implementation
 Processor Host Interface
 Optional wallet interface, optional host
interface (Online Banking Host)
 HSM (Host Security Module) support
 Establish test plan, review and gain
agreement from issuer
 Certification - PCI DDS
 Certification Mobile Payment
We have also created the OneTap HCE Accelerator Programme™, which
aims to have a HCE pilot up and running in less than 12 weeks*
HCE Pilot Rollout
 Develop pilot plan & recruit participants
 Marketing plan review, merchant
readiness (locations & terminals)
 Refine plan and launch pilot
 Performance assessment (system,
ecosystem partners and users)
 ‘Kill switch’ decision
 Integrate learning & refine
System Deployment
 Server plus HSM Deployment
 Online interface integration
 Card management integration interface
 Support for continuious integration
 Hardware and Software Platform (Issuer
Provided)
 Network & HSM Serve Cost Redundant
The OneTap HCE Accelerator Programme™: a 6 step process

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A high-value, productive, enjoyable and
memorable experience for issuers…
 The ideation team envelops, supports, encourages,
stimulates and cajoles the attendees
 Research, images and other content is displayed, at the
exact time its needed, on different screens in the room
 The facilitator of the event runs the show, sets the pace
and forces production – he/she is part mobile guru, part
payments expert, CRM wiz and part circus ring-master!
 The attendees see a range of rapid-fire demonstrations
of cutting-edge mobile customer experiences, specific
point solutions like geo-location, HCE, ewallets,
tokenization, etc.
 At the conclusion of the event a deliverables pack is
produced, including a tailored proposition concept, a
working mobile prototype, business case and a plan
Also, a central facet of our approach leverages a high-intensity,
concentrated proposition ideation experience for our customer– so we can
deliver great commercially viable, super-compelling mobile propositions
‘On tap’ Research
Demonstration
The “IDEATE” Event
On-site researchers locate and display relevant
content, on-the-fly, to stimulate discussion
Demonstrate specific solutions and technologies
Structured, high-energy proposition ideation to
create tailored digital/mobile proposition
concepts; West Coast USA team uses time-zone
difference to create prototype draft overnight
2 day innovations experience
Ideation & Overnight Prototyping

This approach to helping payment card issuers move into mobile
commerce also creates ‘pull’ for Visa products and services…
Visa
Tokenisation
Service
Visa Alerts
Visa data & CLOVisa Personal
Payments
V.me
Solution selling sales
methodology: Rather than
just promoting an existing
product, the salesperson
focuses on the customer's
pain(s) or opportunities and
addresses the issue with his
or her offerings (product and
services). The resolution of
the pain is what constitutes
a "solution".
Pull existing and emerging Visa products and
services by selling full solutions and including
them in the ‘bill of materials’

About our people and our track-record with Visa
+
24 x 7
The Track Record
 8 years of working side-by-side with Visa
Europe to solve Member credit and debit
business problems
 75+ Visa Member projects
delivered and graded by
Members
 Certified Preferred Partner of
Visa Consulting & Analytics
The Team
 60 senior management
consultants (Advisors)
 45 mobile, e-commerce &
payments software developers
 102 systems integration professionals
 Resources in UK, Spain, India, United States,
Australia
 Many languages spoken
The Skills
 We’ve worked in financial services companies in
marketing, risk, IT, operations and other areas
 Engagements with many
financial services companies in
over 30 countries
 Our consultants have between
15 and 40 years experience
working in leading financial
services companies
The Delivery Capacity
 We use three time-zones to
execute
 We have many years of
‘handing off the baton’ to the
next team
 Off-shore resourcing for competitive pricing &
fun with Skype
 On-shore, client-site project management

+44 (203) 286 2923
+1 (813) 699 5433
info@OneTapCommerce.com
www.OneTapCommerce.com
Contact us and Go Mobile!
ap Commerce © 2014 23

One tap commerce mobile development services 2014 visa (1)

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