introduction mobile payment 20/11/2012
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Vlerick MFM Workshop 'Mobile Banking and Payments’TRANSCRIPT
Introduction Mobile Payments: Overview of models
Vlerick Alumni 20/11/2012 Stijn Vander Plaetse
Mobile Payments
8,1 Trillion SMS sent Operator centric
Mobile Payments
App stores: 37% (Apple) to 72% (Android)free
Mobile Payments
New models emerge
Source : Mobile Payments Today
Mobile Payments
Projections : up to 320Bio $ by 2016
Source : Mobile Payments Today
Mobile Payments
Projections : up to 670Bio $ by 2015
Source : Mobile Payments Today
Mobile Payments
Actuals : today 315Mio$/day
Source : Mobile Payments Today
Mobile Payments
Mostly digital goods
Source : Mobile Payments Today
Mobile Payments
Which use cases?:
Source : Deloitte
Mobile Payments
Mobile Payments consists of 3 building blocks : explaining need of eco-systems
Pre-paid
Post-paid X X
Mobile Payments
Mobile Payments is part of the equation
Source : Deloitte
Mobile Payments
Different Collaboration Models are possible
Source : SapientNitro
Different initiatives
Vodaphone, DT:
trials NFC,
proximity focus
Telecom Austria announced
NFC trials at GSMA. Sms
parking and ticketing omni-
present
Consortium Buys Atos
Origin, Bouygues Telecom,
Orange and SFR ter :m-
commerce focus+ NFC trial
. Atos Origin, Bouygues
Telecom, Orange and SFR
Agreement between :
Orange, Telefónica
Movistar and Vodafone
No commercial joint actions
Orange and MC, O2
and Visa : launch mid
2011 from 2012
olympics with Oyster
(2Mio users)
Startups and major
internet players : m-
commerce and
proximity in 2011-
2012 with NFC
embedded
ISIS group : mid
2012 focus proximity
payment: AT&T
Mobility, Verizon
Wireless, and T-
Mobile
Different activities
: mainly Person 2
person remote
payments. Mio’s
of users
stopped: ABN Amro,
ING , Rabobank,
KPN, Vodafone, T-
Mobile
Trial NFC : Turkcell-YAPI Credi-
VISA : 40k merchants 1/2011
Avea-Garanti= mastercard 12/10 :
35k merchants , target 100k users
Chances: Viable Business Model
Mobile Payments
Source : Sapient Nitro
4%
7%
20% 26% 43%
Mobile-financial institution partnership
Open Federation Model
3rd party intermediation
model
Another 2-4 years to reach maturity
Mobile Payments
Source : SapientNitro
Mobile Payments
Or is Mobile Payments is part of a larger equation