mobilepay creating a powerhouse of payments · easy as cash “ 6 send, receive ... mobilepay is...
Post on 01-Jan-2021
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MobilePay – Creating a powerhouse of paymentsKasper Sylvest, Head of Financial Market Infrastructures, Danske Bank
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A few facts about Denmark…
Size: 43,094 sq kmPopulation: 5.593.785 (83% are 14 or older)
7.2 million mobile phone subscriptions81% owns a smart phone (or several)
Source: CIA world fact book, Danske Bank, www.dst.dk
3.7m eligible users in the Kingdom of Denmark
OS distribution:47% iPhone7% Windows phone43% Android3% other
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MobilePay current status (Denmark):
3.5 million users
70% are not costumers in Danske Bank
36.000 merchants
+500.000 trx/day (p2p approximately 80%)
64% IOS users
33
MobilePay is also available in Norway and Finland
Mobile Proxy Forum will offer P2P interoperability in Europe from Q4 2017 and extend our reach
44
The payment market is game changed at high speed —banks are facing a new reality
Who collects, manages and owns the information?
PSD2
Customers (merchants) become “banks” and channel transactions and deposits outside traditional banks
1
Transactions become commodity and profit pools move to “information” management
Third-parties have access to bank account information and build “overlay solutions” across banks
2
3
Danske BankDecided in Oct. 2012 to leave the industryproject and do theirown wallt
55
Initial thoughts…
We want to make it easier for people to transfer money to one another
“MobilePay must be very simple and accessible to everyone
“It must be just as easy as cash
“
66
Send, receive and share bills
Accessiblefor everyone
2 min. —and you’re
ready to use it
... and the result was a simple solution for making P2P payments launched in May 2013
77
The key to success is addressing a real customer problem
Speed & security — As secure as card payments
Reach — can be used by everyone
Simplicity — few steps to make payment
Low entry barriers — just enter card and account details
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Consistency is a keyword. Same payment experience no matter the payment situation
MobilePay AppSwitch – pay with MobilePay in other apps
MobilePay Point of Sales – for large stores and chains
MobilePay Online – for the webshop
Terminals with MobilePay – for the store
MobilePay Business– for small shops
99
It is all about providing value added services
Loyalty
Receipts
Charity
invoices
1010
MobilePay is soon established as an independent company– 100% owned by Danske Bank, with a number of distribution partners
Distribution partners
MobilePay privateusers
MobilePay business
customers
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