1. mPayment
status

2. History of value exchange
1. Goods exchange

3. History of value exchange
1. Goods exchange
(disruption)

4. History of value exchange
1. Goods exchange
(disruption)
2. Metal

5. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)

6. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper

7. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)

8. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic

9. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
5. Digital/mobile

10. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
(?)
5. Digital/mobile

14. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
(?)
5. Digital/mobile

15. History of value exchange
1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
(?)
5. Digital/mobile

16. Lower card penetration
Higher chance for mobile to emerge

17. Mobile payments
Use of a wireless communication device (such as
a mobile phone) to make a purchase or other
payment related transaction

18. Mobile – 10-15 years ago
1. Entertainment

19. Mobile – 10-15 years ago
1. Entertainment
- ringtones
- logos

20. Mobile – 10-15 years ago
1. Entertainment
- ringtones
- logos
2. Entertainment
- ringtones
- logos

21. USER GROUP
10-15 years ago
1. Young

22. USER GROUP
10-15 years ago
1. Young
2. Very young

23. Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)

24. Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)
Physical
- with Point-of-Sale terminal (POS)
- remote (no POS available)

25. Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)
Physical
- with Point-of-Sale terminal (POS)
- remote (no POS available)
Type of settlement
Through operator (e.g Premium SMS)
Pre-paid wallet
Debit card enabling or credit card enabling

26. Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)
Physical
- with Point-of-Sale terminal (POS)
- remote (no POS available)
Type of settlement
Through operator (e.g Premium SMS)
Pre-paid wallet
Debit card enabling or credit card enabling

27. MOnetize
MOnetize

28. MOney
MOney

29. MObile
MObile

30. 3 ways
Payment
Marketing
Notifications

31. Monetize + Mobile <=> Mobile payment
Easy access to money
Deffered payment
Impulse buying
Digital/real-time transaction

32. Reasons to grow
- enlarge target group (age/experience etc)
- add value (time saving, cost saving,
entertainment, rich info etc)
- loyalty schemes
- affordability
- trust

33. Case study
Mobile ticketing
- started more than two years ago
- month to month continuous increase
- already 12% of trips are paid by mobile

34. Mobile app
TransportUrban.ro
(website + mobile app)
- route planner
- payment
- 6% of mobile purchases
are already made through
application

35. Mobile app
TransportUrban.ro
(website + mobile app)
- route planner
- payment
- 6% of mobile purchases
are already made through
application

36. M-enabled vending
The best example for
aggregator-approach
advantage:
- developing a special board
able to connect to different
vending protocols
- deploying a m-payment and
remote monitoring solution
- decreasing cash colection
cost

37. Case study
Mobile marketing
Fashion Days
- online retailer
- target: switch buyers from offline spending mood
to online action

38. Case study
Notifications
Urgent Curier
HOW:
SMS notifications for delivery

39. Case study
Notifications
Urgent Curier
Results:
- increased completion rate for deliveries (15%-
17%) („I am not home” problem solved)
- decreased rate of returns
- improved operational efficiency

40. Technical
Integration
Silkweb
Experienced e-commerce platform
Target: Integrate SMS notifications and mobile
payments

41. Technical
Integration
Silkweb
HOW
API-based integration between platform and SMS
servers
Websites: can easily integrate mobile payments +
notifications

42. ““ The best way to predict
The best way to predict
the future is to invent it.”
the future is to invent it.”
Alan Kay
Alan Kay
SimPlus.ro
dan@simplus.ro
Dan Boabes
CEO