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Inroduction mobile payments

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What is mobile payment ?

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Mobile Payment

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         M-payment
        Micro payment
        Mobile transfer
     M-commerce payment
 ...

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Just Payment
Identity checked transaction initiated from a
     personal device to settle remotely or
proximity based virt...

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Inroduction mobile payments

  1. 1. What is mobile payment ?
  2. 2. Mobile Payment = M-payment Micro payment Mobile transfer M-commerce payment …. What is mobile payment ?
  3. 3. Just Payment Identity checked transaction initiated from a personal device to settle remotely or proximity based virtual and physical goods & services directly or indirectly via 3rd party billing provider, credit or financial institute. What is mobile payment ?
  4. 4. * Study DMA and IAB In 2010 6.1 trillion messages 4 billion individuals SMS is growing by nearly 30% each year SMS opening rates were above 92%. Versus <25% of brand emails*. 65% were read within 5 minutes and 85%<1hour We did mobile payments
  5. 5. Operators take 35% Big driver of P2P in unbanked countries Multiple Bio € per annum We did mobile payments
  6. 6. New Services: operator billing centric (Premium) SMS evolves
  7. 7. Services: credit or (operator billing) centric We do mobile payments
  8. 8. Services: mobile banking 'Scashen' by We do mobile payments
  9. 9. Person 2 Person, person 2 merchant Integration with Couponing Location Based comparison / payment Webpayments We will do much more
  10. 10. Mobile Payments tomorrow
  11. 11. Models: How? Improve current payment experience
  12. 12. Models: How? Improve current payment experience
  13. 13. Models: Card.io 1. Scanning of credit card details 2. Processed in the back-end 3. Picture is deleted afterwards How? Improve current payment experience
  14. 14. Models: How? Create new payment experience
  15. 15. M-payment solutions basically are a combination of: Settlement : operator X bankaccount Method : “pre-paid” X post-paid Technology : SMS/Mobile data X NFC & QR Operator Bank account – post-paid Bank account – pre-paid SMS/Mobile Data NFC How? Create new payment experience
  16. 16. How? Create new payment experience
  17. 17. Collaboration versus Competition: Between actors in same industry Between industries Local versus Global Mobile Payments tomorrow
  18. 18. Profit decomposition of payments for European Banks: + 30,2 € Billion Huge benefits of cash displacement : • A 50% reduction of cash transactions will result in 10 € Bio annual savings for European banks -21,2 € Billion • And potentially billions in Cash payments Non-cash payments new revenue streams (credit/debit/transfer) Source: McKinsey Payment Practice What’s at stake?
  19. 19. Operator Centric Benefit Bank Centric Benefit Risk Risk Mobile Payment Provider Collaboration Benefit Benefi t Risk Risk bank Telco Merchant Customer Mobile payment provider Different models in the world
  20. 20. ISIS group : mid 2012 focus proximity payment: AT&T Mobility, Verizon Wireless, and T-Mobile JV fomr 2012 : ABN Orange and MC, O2 and Amro, ING , Rabobank, Visa : launch mid 2011 KPN, Vodafone, T- Startups and major from 2012 olympics with Mobile internet players : m- Oyster (2Mio users) commerce and proximity in 2011- Vodaphone, DT: 2012 with NFC trials NFC, proximity embedded focus Different activities : Telecom Austria mainly Person 2 announced NFC trials at person remote GSMA. Sms parking and payments. Mio’s of ticketing omni-present users Trial NFC : Turkcell-YAPI Credi- VISA : 40k merchants 1/2011 Avea-Garanti= mastercard 12/10 : 35k merchants , target 100k users Consortium Buys Atos Agreement between : Orange, Origin, Bouygues Telefónica Movistar and Telecom, Orange and SFR ter Vodafone :m-commerce focus+ NFC trial No commercial joint actions . Atos Origin, Bouygues Telecom, Orange and SFR Different models in the world
  21. 21. Will it come? Will it be big? Will it impact the business?
  22. 22. Square •Processes : $2 billion in Will it come? 2011 •Signs up 800k merchants Will it be big? 45% UK smartphone users use mobile banking Will it impact Sms parking has +300.000 the business? in Belgium, 30% tickets of the Lijn are sms +60% transport tickets sms Everybody should decide for him/herself; I did.

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