Table of Contents
- Overview
- Primary Questions
- Key Findings
- Methodology
- Introduction
- Executive Summary
- What Defines the “Islands of Value Proposition” and How Can
Solutions Bridge the Gaps?
- Value Proposition for Merchants: The Glass is Now Half Full
- Payment Network Motivation: More Than Just Cash Conversion
- Card-Issuing FIs: First-Mover Advantage to Create Top-of-Wallet Cards
- Wireless carriers: Retained Focus on Revenue (ARPU), Direct Relationships
With Merchants, and Deeper
- Relationships With Subscribers
- Handset, Chip and POS Terminal Manufacturers: The Future is Now?
- What Companies and Solutions are Bridging the Gaps?
- ViVOtech: Longtime Player, First-Time Commercial Rollout
- Zenius: The Ecosystem is Here, and so is the Company
- Consumer Data: Who is Using Contactless and Where are the Pockets of
Opportunity Among the Consumer Population?
- The Value and Size of the Smartphone-Owning Population Will Continue to
Grow
- More than One-Third of Smartphone Owners Do See the Value of Mobile
Payments
- One-Fourth of Smartphone Owners Have Made a Mobile Purchase in the Past 90
Days
- Smartphone Owners 50% More Likely to Use a Contactless Card
- Smartphone Owners use Network-Branded Contactless Products
- The iPhone Effect: AT&T Customers are Primed for Mobile Payments Adoption
- Manufacturers and Carriers will See no Immediate Return on Adding Payment
to Handsets: Interim Solutions are Necessary to Drive Value
- Mobile Bankers and Tech-Savvy Consumers Also Show Solid Potential for
Contactless: Both Usage and Likelihood of Usage
- Mobile Banker and Tech Savvy Likelihood Translates to Mobile Payments
- Mobile Bankers are already Engaging in Mobile Transaction Activity
- Appendix: Additional Consumer Data
- Likelihood for Mobile Transactions Skews Younger
- Non-Online Bankers Adopting Contactless Network Cards
- Younger Consumers, Asian, Latinos, and Both Ends of the Income Spectrum
Presently Use Contactless
- Caucasian Consumers Indicate Likely Contactless Usage
- Varying Degrees of Usage Among Ethnic Groups for Contactless Products
- Younger Consumers Show Higher Willingness, Equal Likelihood of Using
Contactless
- Gradual Increases in Likely Usage Among Income Groups
- Similar Increase in Willingness among Age Groups for Mobile Payments Usage
- Asian and African-American Consumers are Viable Mobile Payments Targets
- Mobile Payments Resonates With the More Affluent
Table of Figures
- Figure 1: Contactless and Mobile Payments Ecosystem
- Figure 2: ViVOtech Screenshot
- Figure 3: The Zenius Application Landscape
- Figure 4: Percentage and Number of Smartphone Owners
- Figure 5: Likelihood to Use Mobile Payments -- Smartphone Owners,
Non-Smartphone Owners, and All Consumers
- Figure 6: Made a Mobile Purchase in the Past 90 Days -- Smartphone
Owners, Non-Smartphone Owners and all Consumers
- Figure 7: Likelihood to Use Contactless Card -- Smartphone Owners,
Non-Smartphone Owners, and all Consumers
- Figure 8: Contactless Payment Usage Last 12 Months -- Smartphone
Owners, Non-Smartphone Owners, and All Consumers
- Figure 9: Likelihood to Use Contactless Payments by Customers at
Top Four Wireless Carriers vs. All Consumers
- Figure 10: Consumers' Features of Importance When
- Figure 11: Likelihood to Use Contactless -- Mobile Bankers, Tech
Savvy, and All Consumers
- Figure 12: Various consumer Segments Contactless Usage in Past 90
Days
- Figure 13: Likelihood to Use Mobile Payments -- Non-Tech Savvy,
Tech Savvy, Non-Mobile Bankers, Mobile Bankers, and All Consumers
- Figure 14: Made a Mobile Purchase in Last 90 Days -- Non-Tech
Savvy, Tech Savvy, Non-Mobile Banker, Mobile Banker, and All Consumers
- Figure 15: Made a Mobile Purchase Last 90 Days -- Baby Boomer, Gen
X, Gen Y, and All Consumers
- Figure 16: Types of Contactless Cards Used in Last 12 Months by
Non-Mobile Bankers, Mobile Bankers, Non-Online Bankers, and All Consumers
- Figure 17: Recent Contactless Usage Among Various Demographic Groups
- Figure 18: Likelihood of Contactless Usage by Ethnicity
- Figure 19: Contactless Product Usage by Ethnicity
- Figure 20: Likelihood of Contactless Usage by Age
- Figure 21: Likelihood of Contactless Usage by Income
- Figure 22: Likelihood of Mobile Payments Usage by Age
- Figure 23: Likelihood of Mobile Payments Usage by Ethnicity
- Figure 24: Likelihood of Mobile Payments Usage by Income
Companies Mentioned
- American Express
- AT&T
- Best Buy
- Blaze Mobile
- CVS
- Discover
- First Date
- Home Depot
- MasterCard
- McDonald' s
- Sprint
- T-Mobile
- Verizon
- Visa
- VIVOtech
- Zenius
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