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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