Presentation of Tim Green at Mobile Convention Amsterdam 2015

1. Around the world (of
mobile payments) in
30 products

2. A whirlwind tour by Tim Green
I write about mobile payments at Mobile Money Revolution
Get in touch!
Twitter: @timgreen64
Email: timgreen35@googlemail.com

3. Mobile
payment is
confusing.

4. Wow!
$52 billion
Market worth in
2014, says Forrester

5. Oh dear
$900m
US payments from a
mobile wallet at retail in
2014, says Javelin

6. Mobile online
commerce is flying
Mobile in-store
payments are a
rounding error

7. But to make it even
more confusing,
there’s more…

8. The 5 strands of mobile payment
• Buying stuff from apps and sites
• Using a mobile wallet to buy stuff in shops
• Paying for things with your phone bill
• Transferring money to friends
• Plugging a card reader into your phone to receive
payments – aka mPOS

9. So, who’s doing what?
Let’s start the tour…

10. Part 1.
Buying stuff from
apps and sites…

11. The big problem:
Mobile checkouts
are horrible

12. Solutions…
Turn a card payment
nightmare into an
API…

13. 1. Judo API
All you need to
accept card
payments on a
mobile site or app
in a few lines of
embedded code.
See also
Stripe, Braintree,

14. Use some other
firm’s quick payment
channel…

15. 2. Amazon Payments
Solve the card payment nightmare by using an established channel
with millions of users…like Amazon billing.

16. Turn a lengthy card
payment form into a
single QR code…

17. Put your details into the Paddle app.
Scan a code on an online checkout form for instant payment.
See also SeQR, Ensygnia, PowaTag, SecurME
3. Paddle

18. Take a photo of your
credit card…

19. 4. Jumio NetVerify
Speeds up card
entry – phone
camera scans with
‘remote card
capture’
See also Maluzai

20. Let your banking
app handle the
payment…

21. 5. Zapp
Click Zapp at checkout on a mobile site – opens your banking app.
Pay and return to site. See also Monitise, Trustly

22. Buy stuff from a
messaging app…

23. 6. WeChat
mobile
payments
Goes beyond P2P and
turns IM chat into a
genuine commerce
platform.
Is this next for
Facebook Messenger?

24. Buy stuff with a ‘pay
by comment’ option
on social media…

25. 7. Soldsie
Another option for social media payments
Write ‘sold’ in comment box to make a purchase

26. 8. Twitter Buy Now
Adds a button that links to another
screen with item details.
Payment and address details can
be stored for next time
Should launch this year.
Groupe BPCE France and UCICI
India already launched their own
services

27. Photo it. Buy it…

28. 9. Slyce
‘Shazam for shopping’. Take a photo, see the price,
checkout.
Slyce is getting momentum. See also The Hunt, Amazon
Firefly, ASAP54

29. Use biometrics…

30. Chinese e-retailer trialling Smile To Pay. Could
launch 2017. Issues to solve include how to stop
fraudsters using a photograph...
10. Alibaba facial recognition

31. US startup
whose app lets
you tip someone
by taking a photo
of their face.
App matches
face to database
and sends
money.
Tip.ly takes 5%
plus 50 cents.
11. Tip.ly

32. 12. Bionym Nymi heartbeat wristband
Uses heartbeat as unique authentication. Being trialled with Royal
Bank of Canada. Also see Barclays bPay (NFC wristband)

33. 13. Sign2Pay
Dutch start-up speeds up mobile checkouts using signatures –
measure keystrokes, pressure etc

34. Part 2
Don’t use cards at all.
Use the phone bill…

35. 14. Netsize
direct operator
billing
Pay for digital items
from the phone bill.
Can be one click and
reaches unbanked,
under 18s…
See also Bango,Boku
OneBill, MoPay,
OneBip, BillToMobile

36. Part 3
Ideas for making
mobile payments
viable in-store…

37. Barcodes…

38. 15. Starbucks app
Example of single retailer app. Shop assistant scans your
phone. 16% of all Starbucks’ payments in US. 7m orders a
week. Now moving to delivery.

39. 16. LevelUp
Big in Boston, US. Pay from an app. No fees to merchants, all
about data insights. But needs proprietary in-store kit.

40. US retailers’ own QR code based m-payment wallet. Includes Wal-
Mart, Gap, 7-Eleven, Best Buy and Target.
Should launch in 2015…Some wonder if it ever will
17. Merchant Customer Exchange (MCX)

41. NFC…

42. 18. Apple Pay
Thanks to Apple,
mobile NFC is here to
stay. Question is
where the secure
element goes…
Android Pay in the
cloud…
Operator services in
the SIM

43. Uses NFC and LoopPay tech to make nearly any reader
contactless
20. Samsung Pay

44. Pay with
inaudible
sound…

45. Load the Powa app and pay by audio trigger when you
see the sign (also QR code, NFC). See also Yoyo,
CloudZync, SeQR
19. PowaTag

46. Pay with
your face…

47. Request the item before entering the store from
the app.
Show your phone or your face to pay.
PayPal and Square tried this and gave up. Google
is working on it.
21. Google
Hands free

48. App to
app…

49. 22. Droplet
Makes payments over the air in-store. Retailer and shopper download
the same app. Brings relevant retailer to the front by GPS.
See also Dwolla and Kash (US) and Mobino (Switzerland)

50. Part 4
P2P
transfers…

51. 23. M-Pesa
The original P2P mobile currency. Turn cash into mobile money and
back again at agent kiosks. Huge in Kenya, now in Romania
GSMA says there are 61 million mobile money accounts.
See also Orange Money, Yu, Airtel Money, Yandex.Money and others

52. Send money to
friends. You only
need their phone
number – no
account details
necessary.
Paym is the
scheme all UK
banks can sign
up to. 2m users
See also:
ClearXchange
(US), MoPay
(Denmark)
24. Paym

53. P2P transfers from your address book. Like Pingit but
independent of banks. See also Venmo.
25. Payfriendz

54. 26. SnapCash
Powered by Square,
and similar to its
Square Cash
system.
Is Snapchat suitable
for payments?

55. 27. Facebook
Messenger
They said
they wouldn’t,
but they did.
No fee, routes
direct to bank
account – no
Facebook
Wallet (yet)

56. Part 5
Turning the cash register
into an app
mPOS…

57. 28. iZettle
mPOS
One of many
European mPOS
firms.
Payment must use
a discrete Chip &
PIN reader
connected by
Bluetooth
See also
PayLeven, SumUp,
Jusp

58. Random
wacky stuff

59. 29. Coin
One ‘master’ card
to replace all your
plastic. Managed
by an app. Also
see Plastc,
Stratos.

60. Lets people pay for online items with cash at
neighbourhood stores.
30. PayNearMe

61. Tim Green
Editor
Mobile Money Revolution
Twitter: @timgreen64
Email: timgreen35@googlemail.com
www.mobilemoneyrevolution.co.uk