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NFC – The StarHub Experience                               Yeong Mun Ling              Vice President, Business Strategy  ...
Overview
StarHub Overview             Key Singapore Statistics           Population                                                ...
StarHub Overview       Key Milestones                                    • Launch of 3G services                     Comme...
Company Snapshot                                               Mobile                                               Custom...
MobilePayments
What is Mobile Payment?                                                           PayPal on MobileMobile Banking          ...
Demand for Mobile Payment    Mobile Payment Increasingly Popular Worldwide in 2010-2011                        Asia Pacifi...
NFC Payment Initiatives
- Handset, Prepaid Card, Terminal, Offers, Application, all seamlessly  integrated- New cloud-based version supports all c...
A joint venture between AT&T, T-Mobile and Verizon,ISIS works by placing the wallet application insideSIM cards. Supports ...
-   Access to PayPal accounts-   Link gift cards & coupons to the wallet-   Partners with Discover to issue card-   Acquir...
IDA’s NFC CFC-Issued in Nov 2011-Commercially ready in Aug 2012-Asias first interoperable nationwide NFC mobile payment sy...
IDA’s NFC CFC                                                                      PaymentTelco                           ...
StarHubSmartWallet Service
Why StarHub invests in NFC… Provide innovative and convenient  services to Mobile customers    Increase stickiness    N...
Service Overview StarHub leverages on NFC to introduceSmartWallet as a new form of payment services toStarHub Mobile post...
SmartWallet Service Framework                             Hosted PSP                  Payment Service                  NFC...
Customer Benefits Security          • International security standards approved                   by Mastercard, Visa & EZ...
SmartWallet Application        Simple & Secure User Interface               StarHub Ltd – All Rights Reserved
SmartWallet Application                         3 Payment Cards SupportedDBS One.Tap MasterCard          NFC ez-link purse...
SmartWallet Application                          Innovative Lifestyle Services                         Coupon Search ByDis...
LearningsFrom NFC Service
Meeting User’s Expectations Users love the   Convenience and Sense of Peace, knowing they can pay using their phones if th...
Challenge : Limited NFC Enabled  Handsets   We need BOTH NFC phones, as well as Bridging     Devices for current non-NFC p...
Challenge : Customer Education  Customers main concerns:-  - Is it Secure ?  -What if I lose my phone?  -What are the char...
Getting the basics right: HighSecurity Standards                           Your service                       provider wil...
Strong Regulatory Support        Regulators play the BIGGEST part in       fostering cross-industry collaborationsMonetary...
Partnership is KEY to Success                      Supporting Customer                          Device & SIM              ...
Thank YouStarHub Ltd – All Rights Reserved
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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_NFC – The StarHub Experience

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121010_Mobile Banking & Payments for Emerging Asia Summit 2012_NFC – The StarHub Experience

  1. 1. NFC – The StarHub Experience Yeong Mun Ling Vice President, Business Strategy Marketing & Products
  2. 2. Overview
  3. 3. StarHub Overview Key Singapore Statistics Population Households 5.31M 1.189M Mobile Penetration Broadband 148.9% Penetration 104.4% NGNBN Launched in 2010Source: IDA, Singstat as at June 2012 StarHub Ltd – All Rights Reserved
  4. 4. StarHub Overview Key Milestones • Launch of 3G services Commercial • First year to turn profitable launch of • Overtook M1 to become #2 mobile operator • Commenced HSPA+ network fixed and upgrade mobileIncorporated as • Launch of HDTV • Implemented Smart Network services2nd fixed line and Launch of digital • Launch of High-Speed Signaling Technology3rd mobile cable TV services Packet Access (HSPA) • Launched NGNBN servicesoperator in May Mobile Service • Launch of pfingo mobile service 1998 1999 2000 2002 2004 2005 2006 2007 2008 2009 2010 2011 Publicly list on SGX-ST in •Partnership with Vodafone • Awarded WiFi contract OctoberAcquires for all Changi Airport •Launch of Singapore’s first interactive Hub ITCyberway ISP terminals commercial • Asia-America Gateway •Launch of data sharing and Multi SIM Plans • Launch of Smart TV landed in Singapore (DVR) •Launch of roam manager • Becomes member of • Launch of Demand TV Merger with SCV in July Conexus Mobile Alliance (VOD) brings cable TV and residential broadband • Launch of 100Mbps portfolio residential broadband • Included in MSCI Singapore service • Dow Jones Asia Select Dividend 30 Index • Selected to build & manage OpCo StarHub Ltd – All Rights Reserved
  5. 5. Company Snapshot Mobile Customers 2,173,000 Broadband Customers 439,000 Pay TV Households 543,000 StarHub Ltd – All Rights Reserved
  6. 6. MobilePayments
  7. 7. What is Mobile Payment? PayPal on MobileMobile Banking Remittance/Money Transfers E-money Direct Mobile Billing/ Premium SMS NFCAny form of payment made using the mobile phone StarHub Ltd – All Rights Reserved
  8. 8. Demand for Mobile Payment Mobile Payment Increasingly Popular Worldwide in 2010-2011 Asia Pacific in 2015 10% 23% 67% US$3.6 Billion  38% users 14.8% CAGR (2010- 2015) 76% transaction volumes StarHub Ltd – All Rights Reserved Source: Frost & Sullivan, iResearch
  9. 9. NFC Payment Initiatives
  10. 10. - Handset, Prepaid Card, Terminal, Offers, Application, all seamlessly integrated- New cloud-based version supports all credit and debit cards- New security feature: remote locking and disabling of wallet StarHub Ltd – All Rights Reserved
  11. 11. A joint venture between AT&T, T-Mobile and Verizon,ISIS works by placing the wallet application insideSIM cards. Supports VISA, MasterCard, AMEX andDiscover credit/debit cards. StarHub Ltd – All Rights Reserved
  12. 12. - Access to PayPal accounts- Link gift cards & coupons to the wallet- Partners with Discover to issue card- Acquired card.io to allow smartphone to capture credit card info StarHub Ltd – All Rights Reserved
  13. 13. IDA’s NFC CFC-Issued in Nov 2011-Commercially ready in Aug 2012-Asias first interoperable nationwide NFC mobile payment system with atotal investment of $40 million. More than 20,000 retail points to acceptcontactless payment cards from MasterCard or Visa 3 MNOs 3 PSPs TTP StarHub Ltd – All Rights Reserved
  14. 14. IDA’s NFC CFC PaymentTelco Service Providers Trusted Third Middle-man Between Telco and Service Providers for provisioning/exchange of Party (TTP) information VAS Provider/Merchant StarHub Ltd – All Rights Reserved
  15. 15. StarHubSmartWallet Service
  16. 16. Why StarHub invests in NFC… Provide innovative and convenient services to Mobile customers  Increase stickiness  New revenue stream  Position StarHub as Leader in NFC services StarHub Ltd – All Rights Reserved
  17. 17. Service Overview StarHub leverages on NFC to introduceSmartWallet as a new form of payment services toStarHub Mobile postpaid customers. A mobile application that allows users tosecurely download their payment cards, rewardsand offers to their NFC-enabled smartphones, andtaps their phone at the point of sale to make apurchase. It eliminates the need to carry cash, credit/debitcards, reward cards, coupons, tickets, and transitpasses, fundamentally changing how users shop,pay, and save. 17 StarHub Ltd – All Rights Reserved
  18. 18. SmartWallet Service Framework Hosted PSP Payment Service NFC VAS TSM service Providers e.g coupon Merchants Trusted Service Hosted MNO PSP cards on Manager TSM service StarHub SIM & NFC SIM & NFC VAS NFC VAS e.g coupon, loyalty, ticketingTSM & NFCSIM certification Provides SmartWallet / NFC VAS & certified NFC SIM / handsets NFC Handset certification Provides certified Payment Scheme NFC handsets Providers Consumers Handset Manufacturers
  19. 19. Customer Benefits Security • International security standards approved by Mastercard, Visa & EZ-Link • Secured passcode on SmartWallet App • Cconvenience of all-in-one digital wallet – digital credit cards, EZ-Link card and digital coupons all on your mobile phoneConvenience • Consumers feel ‘cool’ being able to make payments and travel ‘in style’ using their mobile phones.Cool Factor • Be the early-adopters to use the latest technology 19 StarHub Ltd – All Rights Reserved
  20. 20. SmartWallet Application Simple & Secure User Interface StarHub Ltd – All Rights Reserved
  21. 21. SmartWallet Application 3 Payment Cards SupportedDBS One.Tap MasterCard NFC ez-link purse NFC FEVO MasterCard StarHub Ltd – All Rights Reserved
  22. 22. SmartWallet Application Innovative Lifestyle Services Coupon Search ByDiscount Offer Coupons Merchant/Category Merchant Locator Map Merchant Vicinity Search StarHub Ltd – All Rights Reserved
  23. 23. LearningsFrom NFC Service
  24. 24. Meeting User’s Expectations Users love the Convenience and Sense of Peace, knowing they can pay using their phones if they forget their wallet. BUT they don’t want to spend extra money in order to utilise the service AND, they want to use the Device of Their Choice Main driver for NFC: Transit StarHub Ltd – All Rights Reserved
  25. 25. Challenge : Limited NFC Enabled Handsets We need BOTH NFC phones, as well as Bridging Devices for current non-NFC phone usersNFC Phones NFC Bridging Devices Availability and wide spread Provide alternatives ? appeal ? StarHub Ltd – All Rights Reserved
  26. 26. Challenge : Customer Education Customers main concerns:- - Is it Secure ? -What if I lose my phone? -What are the charges? -Why do I have to pay? -I don’t like the phone selection -Can I change mobile provider? StarHub Ltd – All Rights Reserved
  27. 27. Getting the basics right: HighSecurity Standards Your service provider will be ableThe end user Wallet to stop after you The SIM card Credit limit of 100 is protected by a inform him. Your followed the same dollars for each personal PIN of 6 service provider may set of testing as a transaction digits lock or terminate the credit card service depending on your instructions SECURITY StarHub Ltd – All Rights Reserved
  28. 28. Strong Regulatory Support Regulators play the BIGGEST part in fostering cross-industry collaborationsMonetary Authority Transport Authority InfoComm Authority Create Provide Create incentives for concessions framework and companies to and guidelines acceptance adopt NFC for new card policies for Link-up medium (SIM NFC cards on interested card) transit players across industries StarHub Ltd – All Rights Reserved
  29. 29. Partnership is KEY to Success Supporting Customer Device & SIM Lifecycle, Bringing new value- Certification of added services Devices & Secure Elements A Unique Issuing NFC Offering value- payment cards, Role for added servicesDeploying terminals Everyone and merchant island-wide connectivity Provides high- quality TSM between partners StarHub Ltd – All Rights Reserved
  30. 30. Thank YouStarHub Ltd – All Rights Reserved

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