Slides accompanying the techMap Amsterdam talks tonight with Eelco van Wijk - CEO PayPal Benelux, David-Jan Janse (Rabobank), Wouter In 't Velt (VODW) and Geert-Jan van Nunen (4me).
Emerging Payments: Understanding and Leveraging the Opportunities (Credit Uni...NAFCU Services Corporation
As we all know, the payments landscape is changing. EMV is here. Mobile payments are growing and mobile sales in the U.S. are expected to increase at a 68% compounded annualized growth rate over the next five years. This session will provide you with an understanding of the impact and value these initiatives can bring to your credit union. Learn how to leverage the opportunities with key data and actionable take-aways for implementing a successful emerging payment strategy. More info at: www.nafcu.org/discover
Mobile Payments Convergence Van Dyke Nokia World Dec 2007mykahina
Presentation on the emerging trends of mobility and the future of consumer payments and banking. Presented in Amsterdam, Innovation Stream, Nokia World 4 Dec 2007
Emerging Payments: Understanding and Leveraging the Opportunities (Credit Uni...NAFCU Services Corporation
As we all know, the payments landscape is changing. EMV is here. Mobile payments are growing and mobile sales in the U.S. are expected to increase at a 68% compounded annualized growth rate over the next five years. This session will provide you with an understanding of the impact and value these initiatives can bring to your credit union. Learn how to leverage the opportunities with key data and actionable take-aways for implementing a successful emerging payment strategy. More info at: www.nafcu.org/discover
Mobile Payments Convergence Van Dyke Nokia World Dec 2007mykahina
Presentation on the emerging trends of mobility and the future of consumer payments and banking. Presented in Amsterdam, Innovation Stream, Nokia World 4 Dec 2007
We evaluated the mobile wallet marketplace for customer experience and mobile payment capabilities, see who is coming out on top... but the race isn't over yet! Visit our website for more information regarding our mobile wallet research: http://www.carlisleandgallagher.com/expertise/cg-insights
Overview of the Different Mobile Payment systems
- NFC based Platforms such as Google Wallet and ISIS
- Systems like Square, VeriFone, Card.io Naratte Zoosh and other exciting and disruptive startups in this space.
Mobile Payment Technology Analysis - Technology Leaders, Other Stakeholders....the current state of the market as of 8.2014. See www.audreymlehr.com or www.linkedin.com/in/audreymlehr for associated excel spreadsheet grid
Using mobile devices to complete payment transactions in stores is on the brink of mass adoption in North America. What's not clear yet is what technology will be the most popular and how these methods of payment will be secured. So far, security seems to be an afterthought in some early attempts at a mass-market approach to mobile payments - including one particular app that happens to have 12 million users and a glaring loophole.
Integration in Retail - Presentation for 2 ME Retail IT Summit in DubaiDarko Pavic
Integration in Retail IT environment is crucial subject. Supplay chain, POS, Customer Loyalty, Self-Service …. but also very specific retail hardware like scales, price checkers, people counting …. and all of them have to be integrated. This is not easy taks at all. But there are solutions which can make the life easier.
If you like you can follow or contact me at Twitter @PavicDarko
Mobile Financial Services Distribution: Partnerships, Alliances & Joint-VenturesDan Armstrong
Some thoughts and examples on success factors in implementing mobile / electronic payments services in partnerships, alliances, and joint-ventures. This includes varying views on collaboration for mobile payments. Players, financial cases and implementation. Also discussed are mobile network operators, banks, intermediaries and distribution trends.
We evaluated the mobile wallet marketplace for customer experience and mobile payment capabilities, see who is coming out on top... but the race isn't over yet! Visit our website for more information regarding our mobile wallet research: http://www.carlisleandgallagher.com/expertise/cg-insights
Overview of the Different Mobile Payment systems
- NFC based Platforms such as Google Wallet and ISIS
- Systems like Square, VeriFone, Card.io Naratte Zoosh and other exciting and disruptive startups in this space.
Mobile Payment Technology Analysis - Technology Leaders, Other Stakeholders....the current state of the market as of 8.2014. See www.audreymlehr.com or www.linkedin.com/in/audreymlehr for associated excel spreadsheet grid
Using mobile devices to complete payment transactions in stores is on the brink of mass adoption in North America. What's not clear yet is what technology will be the most popular and how these methods of payment will be secured. So far, security seems to be an afterthought in some early attempts at a mass-market approach to mobile payments - including one particular app that happens to have 12 million users and a glaring loophole.
Integration in Retail - Presentation for 2 ME Retail IT Summit in DubaiDarko Pavic
Integration in Retail IT environment is crucial subject. Supplay chain, POS, Customer Loyalty, Self-Service …. but also very specific retail hardware like scales, price checkers, people counting …. and all of them have to be integrated. This is not easy taks at all. But there are solutions which can make the life easier.
If you like you can follow or contact me at Twitter @PavicDarko
Mobile Financial Services Distribution: Partnerships, Alliances & Joint-VenturesDan Armstrong
Some thoughts and examples on success factors in implementing mobile / electronic payments services in partnerships, alliances, and joint-ventures. This includes varying views on collaboration for mobile payments. Players, financial cases and implementation. Also discussed are mobile network operators, banks, intermediaries and distribution trends.
Mobile Banking & Rabo Development Partner BanksDan Armstrong
A brief presentation made for Rabobank Groep ICT on Rabo Development partner banks and the launch of mobile banking in Zambia, Tanzania, Malawi and Rwanda (2008-2010).
Rabo Development Retail Distribution & Channel Strategies & Successes Dan Armstrong
Recent presentation on banking distribution in markets where mobile is the sole channel, and other markets where mobile adds differentiation and service extension to other banking channels.
A brief presentation to be given on Wednesady (10 December 2009) at the "Mobile Payment, Remittance & M-Commerce Africa 2009" conference in Accra, Ghana (http://www.magenta-global.com.sg/MPRMC/)
Mobile Banking & Payments Update: September 2010Dan Armstrong
One view of the mobile banking and payments landscape in 2010, including some case studies: NMB mobile in Tanzania, Rabobank in The Netherlands and some emerging proximity payments models leveraging NFC.
Summary presentation for Banque Populaire du Rwanda project to launch mobile banking for all BPR customers (normal Rwandan consumers, farmers, small business people).
Mobile Payments & Banking - NACHA Global Payments ForumDan Armstrong
Short presentation featuring case studies Rabo Mobiel (The Netherlands) and NMB Mobile (Tanzania) for the NACHA Global Payments Forum, London (February 21 2010).
Rabobank: Case Studies in Mobile Banking & Payments Development: November 201...Dan Armstrong
A brief presentation on mobile banking and payments developments within Rabobank Nederland and Rabobank International; as well as some case studies of how Rabo Development uses these lessons learned in developing countries.
Dan Armstrong
IIR Mobile Payment Services
Prague, Czech Republic
02 November 2010
A short summary of trends and technology in mobile payments. A brief look into the past, present and future of mobile payments. We will have detailed sessions on each in the coming versions.
There's a ton going on in Mobile Payments but it can get confusing very fast!
For those interested but not close to it all - I put together a little 50,000' primer that I've used to explain the different approaches to Mobile Payments.
Obopay syncs Mobile payments into the Financial infrastructureObopay
Obopay is a global mobile payments technology company. This is a complete overview of the Mobile payment - market segment, stats, the product evolution, case studies and much more.
Near-Field Communication (NFC) can be used in a range of different ways at a variety of different places. Here is a list of the top 6 ways NFC can be used by consumers.
droidcon 2012: What's the Hack is NFC .., Hauke Meyn, NXPDroidcon Berlin
NFC, the intuitive contactless technology is finding its way into more and more mobile phone devices. NFC stands for Near Field Communication and is a contactless technology gearing to massively ease information gathering and content sharing. It's very easy to use and allows short range, point to point communication between NFC enabled devices as well as access to content on passive tags and cards. The presentation will focus to provide a technology introduction, some hints on already available applications with a life demonstration of the technology. We will discuss the use cases driving the technology, the level of NFC integration in Android. The NCF API and it's classes will be presented and last but not least we plan to run a little life coding session to show how easy applications can be enabled and can benefit from NFC.
The BSV Association’s Digital Wallet Survey - the results are in!Liz Louw
The BSV Association recently conducted a survey of members in its ecosystems to look at the different ways it can improve the digital wallet experience. The survey, which was conducted in July 2023, focused specifically on how the user experience around digital wallets can be improved.
Participants were also asked about their personal preferences around choosing a wallet, how they access and use their wallets and the importance of privacy and customer support. This information is invaluable and the BSV Association and its partners at TAAL would like to extend their heartfelt thanks to all those who participated and offered their feedback.
Read more: https://www.bsvblockchain.org/news/the-bsv-association-digital-wallet-survey-the-results-are-in
Mobile barcodes are a simple and open standard that is operational on all mobile phones.
Here some insights into the strenghts of Mbarc's services and solutions.
Similar to techMAP Amsterdam: Thoughts on the Mobile Wallet (20)
BankMobile (joint presentation: "The Secret to Building The Uber Mobile Banki...Dan Armstrong
BankMobile's part of a joint presentation: "The Secret to Building The Uber Mobile Banking App" together with Jim Marous The Financial Brand) and Meaghan Johnson (Mapa Research) - BAI Retail Delivery 2015, Las Vegas NV.
Distribution Approaches & Collaboration TrendsDan Armstrong
A few types of collaboration. Strengths & weaknesses in MNO collaboration, comparison of business models. Developed World Case Study: joint-venture between banks & MNOs to launch NFC services. Developing World Case Study: MNO & bank collaboration on agency banking & integration with MNO Mobile Money (MM) e-value systems: a.) from a business point of view, and b.) from a customer point of view
Rabo Mobiel - Product Development OverviewDan Armstrong
Overview of Rabo Mobiel, it's plan and positioning, banking and telco landscape, rationale and development goals, as well as some slides on the innovations projects carried out from 2007-09.
Short presentation given on 17 November 2009 at the X|Media|Lab Hilversum / Amsterdam two-day conference on the evolution of content and mobile applications within Rabo Mobiel and NMB in Tanzania.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
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5. The e-commerce shake out
Many shifting paradigms. However, once the supply chain and
logistics matched people’s awareness, appetite and feelings of
trust for e-commerce settled, clear winning business models
emerged (my personal way of summarising):
• Efficiency (Paypal, Netflix, online photo printing,
online flight tickets/car rental/hotels, UPS/FedEx
tracking, Amazon.com)
• Products (HP, Netflix, Thomann.de, Amazon.com)
• The Long Tail ( eBay, Marktplaats, publishing on demand,
… and of course Amazon.com)
• … plus of course, Monetising Clicks (Facebook, Google,
YouTube, TripAdvisor, pornography)
Many of these models began to gain traction in the US, but soon
gained popularity in Western Europe and Asia, South America
and are picking up somewhat in Africa and South Asia.
Internet transaction capability in Africa and South Asia is really
taking off via mobile access.
9. First of all, what do we expect from a wallet?
A place to store cash?
A place to store payment
tokens?
A place to store other tokens?
A personal object?
A private object?
Something small enough to be
portable/mobile?
… but … do we need a physical
object?
10. Then, what do we expect from a transaction device?
Identification of myself, my
rights and capabilities,
memberships.
Identification of myself, an
authentication tool for payment.
Secure, multi-factor
Tamper-resistant/evident
Personal and private
Easy to use
… but … do we need a physical
object?
11. What are we doing when using cards, fobs, NFC cards?
Authorising transfers/payments
remotely of course …
• Personal authorisation (machtiging)
• Check
• Signature
• Card + Signature
• Card + PIN
• Card + PIN + Biometrics
Four Corner Model
• Card Three Corner Model
• Biometrics
• … you get the idea
Some payments are different, as
they don’t always require a card
in the first place for transaction,
but other authentication (e.g.
PayPal, MiniTix).
12. Innovative .. but card-based payments, for obvious reasons …
Everyone’s got cards.
And of course, allowing traditional credit
card payments, without a card present ..
13. NFC can be a bridging technology
But the Secure
Element (SE)
standardisation
discussions have
led to stalling the
ubiquity of Single
Wire Protocol-
enabled phones
and NFC
acceptance
devices world-
wide since 2007.
16. But, there are some innovative parties combining NFC,
transaction, wallets and mobile marketing ..
• Proximity/ NFC • NFC apps, mobile • NFC • NFC POS, NFC
marketing banking, SDKs, STK, T payment, ticketing, loyal wallets, apps, smartpho
• NFC tag search games SM, secure element ty, ID, access control ne integration, TSM
• Mobile wallets / mgmt, OTA, NFC • POS, mobile wallets • VISA, MasterCard, Disc
reselling MasterCard ticketing, etc., etc. • www.zenius.com over, etc.
• Retail concepts • www.gemalto.com • www.vivotech.com
• www.proxama.com
• Secure Element • Mobile network operator • NFC • Mobile
management / TSM billing-based location & payment, ticketing, loyal ticketing, payments, me
• Mobile wallets NFC payments ty, ID, access ssaging, postage, parkin
• NFC SDK • www.boku.com control, exhibitions, eve g, libraries, etc.
• www.sequent.com nts, mobile wallets • www.unwire.com
• www.nexperts.com
Input:
17. Cardless payments, some people trying to figure out “proximity payments”
without an additional token (like NFC or cards)
WALLET
But then again, if you were a merchant -
you could also just say you accept PayPal
too ..
But the per transaction charges of moving
online payment to the supermarket are
usually prohibitive.
18. Two ways I find handy of thinking about the mobile wallet ..
Card Emulation Forget Cards
A mobile phone that takes the Next-generation authentication
place of a physical card using that could leverage a POS for
different authentication methods merchant speed and
to enact a transaction at a vs. convenience, but doesn’t require
physical location. one for payment.
Can be EMVCo-based or New “opt-in” models required
scheme-based, but allows the for auto-payment and
phone to pay, like a super card. confirmations, transparency.
• Can leverage the card/NFC POS locations. • Hard to forget the POS though. It’s what the
Consumers are comfortable with cards. merchant needs to validate the payment
quickly, and on-the-spot (see Square Card
• Must face the standardisation jungle if the Case, later).
phone is to co-exist at these acceptance points.
• Consumers must feel like they are in control
• Consumers don’t like to have loads of of the process. Otherwise its not to going to
wallets, so this all has to be connected work.
seamlessly on the back end.
19. Two ways I find handy of thinking about the mobile wallet ..
Card Emulation
With the ubiquity of
A mobile phone that takes the cards in the
place of a physical card using marketplace, and POS
different authentication methods devices in place for
to enact a transaction at a
physical location. electronic payments,
this is hard to ignore in
Can be EMVCo-based or the EU, Asia, North
scheme-based, but allows the America.
phone to pay, like a super card.
• Can leverage the card/NFC POS locations.
Consumers are comfortable with cards.
• Must face the standardisation jungle if the
phone is to co-exist at these acceptance points.
• Consumers don’t like to have loads of
wallets, so this all has to be connected
seamlessly on the back end.
20. But “collaboration” on mobile phone-based payments is tricky
Player: Category 1 Player: Category 2
“I have stuff I want to do via channels. Make “I have a pipe and want to monetise my
payments, provide ticketing, sell ads, general investments in my GSM license, radio and access
loyalty models, etc. and I need as many (cost network, etc. I want as much to get through that
effective) channels and pipes to do it.” pipe and my re-sold mobile phones as possible.”
21.
22. In some places, we’ve not got a lot of smartphones ..
How can we enable this merchant to accept mobile payments?
Limited smartphones
Limited (and expensive)
mobile data
Limited (and expensive) fixed
internet & electricity
Limited literacy
Limited trust in bank
accounts
High cost of ATM and branch
operations, limited in-country
IT capabilities
Limited amount of people
with official IDs
Everyone wants a (payment)
card anyway. It’s modern.
27. Two ways I find handy of thinking about the mobile wallet ..
Card Emulation Forget Cards
A mobile phone that takes the Next-generation authentication
place of a physical card using that could leverage a POS for
different authentication methods merchant speed and
to enact a transaction at a vs. convenience, but doesn’t require
physical location. one for payment.
Can be EMVCo-based or New “opt-in” models required
scheme-based, but allows the for auto-payment and
phone to pay, like a super card. confirmations, transparency.
• Can leverage the card/NFC POS locations. • Hard to forget the POS though. It’s what the
Consumers are comfortable with cards. merchant needs to validate the payment
quickly, and on-the-spot (see Square Card
• Must face the standardisation jungle if the Case, later).
phone is to co-exist at these acceptance points.
• Consumers must feel like they are in control
• Consumers don’t like to have loads of of the process. Otherwise its not to going to
wallets, so this all has to be connected work.
seamlessly on the back end.
28. So, in Africa, South Asia, Southeast Asia perhaps …
Forget Cards
Limited no. of POS in Next-generation authentication
place, limited no. of that could leverage a POS for
cards in the market. merchant speed and
convenience, but doesn’t require
Great opportunity for one for payment.
mobile payments. But
not via smartphones! New “opt-in” models required
for auto-payment and
confirmations, transparency.
• Hard to forget the POS though. It’s what the
merchant needs to validate the payment
quickly, and on-the-spot (see Square Card
Case, later).
• Consumers must feel like they are in control
of the process. Otherwise its not to going to
work.
29. Thank You!
Dan Armstrong
Takashi Mobile | Financial Services
Rapenburgerplein 81
1011 VJ Amsterdam
The Netherlands
www.takashimobile.com
dan.armstrong@takashimobile.com
+31 652 085 071
Editor's Notes
So I was thinking about some of the old conceptions of “e-commerce” and the “e-wallet” that we used to have at Netscape and MCI (1994-1996), when we were first deploying HTTPS.