Mobile Payment Markets Strategies & Forecasts 2008-2013

Table of Contents

Glossary

Executive Summary

• Introduction
• Market Segmentation
• Mobile Commerce Market Trends
• Payment Market Drivers and Constraints
• Market Projections
• Mobile Payments Ecosystem Players
• Recommendations

1. Mobile Commerce & Mobile Payments Market

• 1.1 Introduction
• 1.2 Market Trends
  • 1.2.1 Tellabs Interview
    • Figure 1.1: Tellabs Mobile Backhaul Solution
  • 1.2.2 Bango Interview
    • Figure 1.2: Bango Analytics User Data Snapshot
• 1.3 Market Drivers and Constraints
  • Figure 1.3: Mobile Payments: Summary of Market Drivers & Constraints
  • 1.3.1 Drivers
    • i. User Demand
    • ii. Increase in ARPU
    • iii. Increase in Retail Basket Size
    • iv. Real Alternative to Cash
    • v. First-time Access to Payments for Many in the Developing World
    • vi. Lower Churn for Mobile Operators
    • vii. Increase in International Money Transfers to Developing Countries
    • viii. Increased Demand for Smartphones
    • ix. Quicker than Cash at POS (Point of Sale)
  • 1.3.2 Constraints
    • i. Availability of Capable Handsets
    • ii. User Experience
    • iii. Lack of Clear Business Model
    • iv. Resistance from Banks
    • v. Lack of Global Technology Standards
    • vi. Financial Regulations & Legislation
    • vii. Support Issues
    • viii. Transactions Costs for the Retailer

2. Mobile Payments: Market Structure

• 2.1 Introduction
• 2.2 Definition
  • Figure 2.1: Mobile Commerce Payment Process
• 2.3 Market Segmentation
  • 2.3.1 Digital & Physical Goods
  • 2.3.2 Contactless NFC
  • 2.3.3 Mobile Money Transfer
    • i. Need to increase ARPU
    • ii. Need to transmit money
      • a. The Unbanked and Underbanked
      • b. Migrant Worker Remittances
        • Figure 2.2: World Remittance Flows ($bn) 2001-2007
• 2.4 Classification of Payment Schemes
  • Table 2.1: Mobile Payment Classification
  • 2.4.1 Remote Mobile Payment
    • i. Mobile Phone Bill - "direct to bill" (D2B) Payment
    • ii. PRSMS - Digital Goods
    • iii. Online - Payment for the Mobile Web & WAP Billing
    • iv. SMS Payment - Mobile Wallet and Account Based Payment
      • Figure 2.3: PayPal Mobile "Text To Buy"
    • v. Person-to-Person (P2P) Payment
    • vi. Remote Physical Mobile Web & WAP billing
  • 2.4.2 Point of Sale Mobile Payment
    • Figure 2.4: Typical NFC Implementation
    • Figure 2.5: Oyster Card Using MIFARE Technology
    • Figure 2.6: Uses of NFC
• 2.5 On Deck & Off Deck

3. Leading Mobile Payments Vendors

• 3.1 Introduction
• 3.2 Sybase 365
• 3.3 mBlox
  • Figure 3.1: How mBlox' s PRSMS Service Works
• 3.4 Netsize
• 3.5 Valista
• 3.6 WIN
• 3.7 ShopText
• 3.8 NXP
• 3.9 ViVOtech
  • Figure 3.2: NFC-enabled Nokia 3220 Making a Contactless Transaction
• 3.10 Affinity Mobile
  • Figure 3.3: Affinity MADE Platform Enables Basic Banking Applications
  • Figure 3.4: Affinity MADE Platform Mobile Ecosystem
• 3.11 Fundamo
• 3.12 Trivnet
  • Figure 3.5: TRIV Platform"! and Applications
• 3.13 XIUS-bcgi

4. Leading Mobile Payments Service Providers

• 4.1 Introduction
• 4.2 Alltel Wireless
• 4.3 Cricket
• 4.4 U.S. Cellular
• 4.5 Bango
• 4.6 mPoria
  • Figure 4.1: Presenting Products at an mPoria Enabled Mobile Store
• 4.7 mobilkom Austria
  • Figure 4.2: mobilkom Austria: Buying Train Tickets
• 4.8 O2 UK
  • i. London Fashion Week February 2008
  • ii. O2 Wireless Festival 2007
  • iii. O2 Wallet Trial
• 4.9 NTT DoCoMo
  • Figure 4.3: NTT DoCoMo Osaifu-Keitai e-wallet Handset Services
• 4.10 Obopay
• 4.11 SmartMoney
  • Figure 4.4: Smart Money Service Features
  • Figure 4.5: Smart Money Transfer Process
  • Figure 4.6: SmartMoney Tariff Set Extract
• 4.12 Crandy
• 4.13 LUUP
• 4.14 Visa
• 4.15 Celpay
• 4.16 MoneyBox Africa
• 4.17 Vodafone

5. Market Forecasts

• 5.1 Market Segmentation
• 5.2 Methodology
  • 5.2.1 Approach and Assumptions
    • Figure 5.1: Mobile Payments Market Forecast Methodology
  • 5.2.2 Geographical Splits
• 5.3 Mobile Subscriber Forecast
  • Figure 5.2: Mobile Subscriber Base (m) Regional Forecast 2008 - 2013
  • Table 5.1: Mobile Subscriber Base (m) Regional Forecast 2008 - 2013
• 5.4 Mobile Payments Market Forecasts
  • 5.4.1 Digital and Physical Goods
    • i. Digital Goods
      • Figure 5.3: Total Remote Mobile Payment Gross Transaction Value for Digital Goods ($m) Regional Forecast 2008-2013
      • Table 5.2: Total Remote Mobile Payment Gross Transaction Value for Digital Goods ($m) Regional Forecast 2008-2013
    • ii. Physical Goods
      • Figure 5.4: Total Remote Mobile Payment Gross Transaction Value for Physical Goods ($m) Regional Forecast 2008-2013
      • Table 5.3: Total Remote Mobile Payment Gross Transaction Value for Physical Goods ($) Regional Forecast 2008-2013
    • iii. Digital and Physical Goods Combined
      • Figure 5.5: Global Digital and Physical Goods Mobile Payment Market: Gross Transaction Value ($m) Regional Forecast 2008-2013
      • Table 5.4: Global Digital and Physical Goods Mobile Payment Market: Gross Transaction Value ($m) Regional Forecast 2008-2013
      • Figure 5.6: Global Digital and Physical Goods Mobile Payment Market: Gross Transaction Value (%) Regional Comparison 2008 & 2013
      • Figure 5.7: Global Personal Consumption Expenditure Comparison 2001 & 2007
  • 5.4.2 Contactless NFC
    • Figure 5.8: Total Value of NFC Transactions ($m) Regional Forecast 2008-2013
    • Table 5.5: Total Value of NFC Transactions ($m) Regional Forecast 2008-2013
  • 5.4.3 Mobile Money Transfers
    • i. National Mobile Money Transfers
      • Figure 5.9: Total Value of National Transactions p.a. ($m) Regional Forecast 2008 - 2013
      • Table 5.6: Total Value of National Transactions p.a. ($m) Regional Forecast 2008 - 2013
    • ii. International Mobile Money Transfers
      • Figure 5.10: Total Value of International Transactions p.a. ($m) Regional Forecast 2008 - 2013.
      • Table 5.7: Total Value of International Transactions p.a. ($m) Regional Forecast 2008 - 2013
      • Figure 5.11: Worldwide Remittances p.a. ($bn) 2001 - 2007
      • Figure 5.12: Worldwide Remittances Growth p.a. 2001 - 2007
    • iii. All Mobile Money Transfers
      • Figure 5.13: Total Value of All Mobile Money Transfers p.a. ($m) Regional Forecast 2008 - 2013.
      • Table 5.8: Total Value of All Mobile Money Transfers p.a. ($m) Regional Forecast 2008 - 2013.
      • Figure 5.14: Comparison of National & International Mobile Money Transfer Values (% of all) 2008 - 2013
    • 5.4.4 Total Mobile Payments
      • Figure 5.15: Total Mobile Payments Market: Gross Transaction Value p.a. ($m) Regional Forecast 2008 - 2013
      • Table 5.9: Total Mobile Payments Market: Gross Transaction Value p.a. ($m) Regional Forecast 2008 - 2013
      • Figure 5.16: Total Mobile Payments Market: Gross Transaction Value by Region (%) 2013
      • Figure 5.17: Total Mobile Payments Market: Market Segmentation split by NFC, Money Transfers & Digital & Physical Goods. Global Forecast (%) 2008 - 2013
      • Table 5.10: Total Mobile Payments Market: Market Segmentation split by NFC, Money Transfers & Digital & Physical Goods. Global Forecast (%) 2008 - 2013

6. Standards & Forums

• 6.1 Introduction
  • 6.1.1 Who is Doing What?
    • Table 6.1: Overview of Selected Forum Activity
• 6.2 ETSI
  • 6.2.1 Members
• 6.3 The GSM Association
  • 6.3.1 Pay-Buy Mobile
    • Figure 6.1: Pay-Buy Mobile Purchasing Process
    • Figure 6.2: Pay-Buy Mobile Ecosystem
  • 6.3.2 Mobile Money Transfer
  • 6.3.3 Members
• 6.4 International Organisation for Standards (ISO)
  • 6.4.1Members
• 6.5 Mobey Forum
  • 6.5.1 Members
• 6.6 Mobile Payment Forum
  • 6.6.1 Members
• 6.7 NFC Forum
  • 6.7.1 Members
• 6.8 Open Mobile Alliance (OMA)
  • 6.8.1 Members
• 6.9 EMVCo
• 6.10 European Payments Council
• 6.11 Smart Card Alliance
  • 6.11.1 Members
• 6.12 International Association of Money Transfer Networks
• 6.13 Further Organisations