Table of Contents
Glossary
Executive Summary
- Introduction
- Table ES.1: Additive and Transformational Banking
- Mobile Commerce Market Trends
- Figure ES.1: Mobile Commerce Market Segmentation
- Mobile Commerce and Banking in the Downturn
- Mobile Commerce Stream
- How is Mobile Banking Delivered?
- Market Segmentation
- Mobile Banking Drivers & Constraints
- Figure ES.2: Mobile Banking Drivers and Constraints
- Market Projections
- Global Cellular Subscriber Market
- Figure ES.3: Cellular Subscriber Growth (m) by Region, 2006-2013
- Mobile Banking Information Service Users
- Figure ES.4: Total Mobile Phone Users (m) Who use Mobile Banking
Information Services - Regional Forecast 2008-2013
- Messaging Traffic
- Figure ES.5: Total Number of Mobile Banking Information
“Push” Messages (m) Sent to Mobile Banking Users - Regional
Forecast 2008-2013
- “Push” Messaging Market
- Table ES.2: “Push” SMS Messaging Market Value ($m) -
Regional Forecast 2008-2013
- Mobile Bill Presentment & Payment (MBPP) Users
- Figure ES.6: Total Mobile Phone Users (m) who make MBPP Transactions -
Regional Forecast 2013
- MBPP Transactional Traffic
- Figure ES.7: Total Number of MBPP Transactions (m) - Regional Forecast
2008-2013
- MBPP Transaction Value
- Figure ES.8: Total MBPP Transaction Value ($m) - Regional Forecast
2008-2013
- MBPP User Level Transactional Value
- Figure ES.9: Average MBPP Transaction Value per User ($) - Regional
Forecast 2008-2013
- Market Development: Banks and Vendors
- Conclusions and Recommendations
1. Mobile Commerce and Banking Overview
- 1.1 Mobile Banking Definition
- Table 1.1: Additive and Transformational Banking
- 1.2 Mobile Commerce Market Structure
- Figure 1.1: Mobile Commerce Market Segmentation
- 1.3 Mobile Commerce Market Trends
- 1.3.1 Tellabs
- Figure 1.2: Tellabs Mobile Backhaul Solution
- 1.3.2 Bango
- Figure 1.3: Bango Analytics User Data Snapshot
- 1.3.3 Mobile Web
- 1.4 Mobile Banking Drivers & Constraints
- Figure 1.4: Mobile Banking Drivers and Constraints
- 1.4.1 Drivers
- i. User Demand and Requirements
- ii. Cost Savings
- iii. Increase in ARPU
- iv. One-to-One Marketing Opportunity
- v. Enhanced Security
- vi. Customer Retention and Acquisition for banks
- vii. Lower Churn for MNOs
- viii. New Revenue Channel for Banks
- ix. New Revenue Channel for MNOs: as MFS Provider
- x. Revenue Sharing and Co-operation in the Ecosystem
- 1.4.2 Constraints
- i. Resistance from MNOs
- ii. Technology Issues and Standards
- iii. Business Model Issues
- iv. Financial Regulations & Legislation
- v. Support Issues - Who Owns the Customer?
- vi. Data Charges: User Bill Shock
- vii. 3G/Broadband & Device Availability
- viii. User Security Concerns
- x. Application Slickness
- 1.5 Market Segmentation
- 1.6 How is Mobile Banking Delivered?
- 1.6.1 Messaging-based Mobile Banking
- 1.6.2 Mobile Internet Browser
- 1.6.3 Downloadable Application
2. Vendor Strategies
- 2.1 Introduction
- 2.2 Diebold
- 2.3 Fidelity NIS, ClairMail & mFoundry
- 2.4 Sybase 365
- Figure 2.1: Mobile Banking Adoption Steps - Sybase
- Figure 2.2: Sybase Global Mobile Banking Survey 2008 Summary Results
- 2.5 Monitise
- Figure 2.3: Lloyds TSB MONILINK service
- 2.6 Postilion
- 2.7 Logica
- 2.8 Voice Commerce Group
- 2.9 mBlox
- Figure 2.4: mBlox Mobile Transaction Platform
- 2.10 Fundamo
- 2.11 Firethorn
- 2.12 VeriSign
- Figure 2.5: VeriSign Mobile Banking Platform
- 2.13 Kabira
- Figure 2.6: Kabira Mobile Transaction Hub
- 2.14 CPNI
- Figure 2.7: PAT Solution
- Figure 2.8: Patbank Call Flow
- 2.15 ACI
3. Applications and Services Strategies
- 3.1 Introduction
- 3.2 Applications & Services Examples
- 3.2.1 North America
- i. Bank of America
- Figure 3.1: Bank of America Mobile Screens
- ii. Wells Fargo Corporate
- Figure 3.2: Wells Fargo CEO Mobile Service
- iii. Wells Fargo Retail
- Figure 3.3: Wells Fargo Retail Mobile Banking
- 3.2.2 Western Europe
- i. Monitise/MONILINK
- Figure 3.4: MONILINK: Enabling the Mass Market in Banking and
Payments
- Figure 3.5: MONILINK User Base by Age
- Figure 3.6: MONILINK Weekly and Monthly Usage Profiles
- Figure 3.7: MONILINK Time of Day Usage Profiles
- Figure 3.8: Monitise MONILINK Revenue Model
- ii. Lloyds TSB Commercial
- Figure 3.9: Lloyds TSB Commercial Telephone Service Centre Calls
- Figure 3.10: Lloyds TSB Commercial SMS Text Alert Service Take Up
(users)
- Figure 3.11: Lloyds TSB Commercial SMS Text Alert Service Customer
Satisfaction 2005 to 2008
- Figure 3.12: Lloyds TSB Retail Mobile Banking Pack Screenshot
- iii. Barclays
- iv. Postbank
- 3.2.3. Eastern Europe
- i. Garanti Bank
- Figure 3.13: Garanti Alternative Distribution Channel Strategy
Rationale
- Figure 3.14: Garanti Mobile Banking Service
- 3.2.4 Far East & China
- i. China Merchants Bank
- ii. SK Telecom
- iii. NTT DoCoMo
- Figure 3.15: NTT DoCoMo Osaifu-Keitai e-wallet Handset Services
- iv. Mobile Money Ventures Hong Kong
- Figure 3.16: MMV Mobile Banking Screenshot
- 3.2.5 Indian Sub Continent
- 3.2.6 Rest of Asia Pacific
- i. National Australia Bank
- 3.2.7 Africa & Middle East
- i. Standard Chartered Bank UAE
4. Market Forecast Approach
- 4.1 Introduction
- 4.2 Methodology
- 4.2.1 Geographical Splits
- 4.2.2 Approach and Assumptions
- Figure 4.1: Mobile Banking Market Forecast Methodology
- 4.3 Growth of the Cellular Market
- 4.3.1 Global Cellular Subscriber Market
- Figure 4.2: Cellular Subscriber Growth (m) by Region, 2006-2013
- Table 4.1: Cellular Subscriber Growth (m) by Region, 2006-2013
- Figure 4.3: Cellular Subscriber Base, Market Share (%) by Region
2006-2013
- Figure 4.4: Cellular Subscribers Penetration (%) by Region 2006-2013
- 4.3.2 Leading Mobile Operator Groups by Subscriber Base
- Table 4.2: Leading Mobile Operator Groups by Subscriber Base (m) Q3
2008
- 4.3.3 Growth of 3G
- Table 4.3: Global Cellular Subscriber Forecasts (m) by Technology (2G,
2.5G, 3G, 3.5G/3.9G) 2013
- Figure 4.5: Global Cellular Subscriber Forecasts (m) by Technology
(2G, 2.5G, 3G, 3.5G/3.9G) 2013
- 4.4 Regional Cellular Market Growth
- 4.4.1 North America
- i. Mobile Subscriber Penetration
- ii. US Market Structure
- iii. 3G Adoption
- Figure 4.6: North American Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- Table 4.4: North American Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- 4.4.2 South America
- i. Diverse Region
- ii. Mobile Subscriber Penetration Rates
- iii. Dominant Technology
- iv. Players in Region
- Figure 4.7: South American Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- v. 3G Deployments
- Table 4.5: South American Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- 4.4.3 Western Europe
- i. Mobile Subscriber Penetration
- Figure 4.8: Western Europe Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- ii. Market Structure
- iii. 3G Penetration
- Table 4.6: Western Europe Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- 4.4.4 Eastern Europe
- i. Mobile Subscriber Penetration
- Figure 4.9: Eastern Europe Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- Table 4.7: Eastern Europe Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- ii. 3G Penetration
- 4.4.5 Far East & China
- i. Mobile Subscriber Penetration
- ii. 3G Services
- Figure 4.10: Far East & China Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- Table 4.8: Far East & China Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- 4.4.6 Indian Sub Continent
- i. Mobile Subscriber Penetration
- Figure 4.11: Indian Sub Continent Cellular Subscriber Forecasts (m)
by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- ii. 3G Services
- Table 4.9: Indian Sub Continent Cellular Subscriber Forecasts (m) by
Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- 4.4.7 Rest of Asia Pacific
- i. Mobile Subscriber Penetration
- Figure 4.12: Rest of Asia Pacific Cellular Subscriber Forecasts (m)
by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- ii. 3G Adoption
- Table 4.10: Rest of Asia Pacific Cellular Subscriber Forecasts (m)
by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- 4.4.8 Africa & Middle East
- i. Market Background
- ii. Mobile Subscriber Penetration
- Figure 4.13: Africa & Middle East Cellular Subscriber Forecasts (m)
by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- iii. Players
- iv. ARPU
- Table 4.11: Africa & Middle East Cellular Subscriber Forecasts (m)
by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
- v. 3G Adoption
5. Market Forecast
- 5.1 Introduction
- 5.2 Mobile Banking “Push” Information Services
- 5.2.1 Users
- Table 5.1: Mobile Phone Users (%) Who use Mobile Banking Information
Services - Regional Forecast 2008-2013
- Figure 5.1: Total Mobile Phone Users (m) Who use Mobile Banking
Information Services - Regional Forecast 2008-2013
- Table 5.2: Mobile Phone Users (m) Who use Mobile Banking Information
Services - Regional Forecast 2008-2013
- 5.2.2 Messaging Traffic
- Figure 5.2: Average Number of Mobile Banking Information
“Push” Messages Sent to Mobile Banking Users - Regional
Forecast 2008-2013
- Table 5.3: Average Number of Mobile Banking Information
“Push” Messages Sent to Mobile Banking Users - Regional
Forecast 2008-2013
- Figure 5.3: Total Number of Mobile Banking Information
“Push” Messages (m) Sent to Mobile Banking Users - Regional
Forecast 2008-2013
- Table 5.4: Total Number of Mobile Banking Information
“Push” Messages (m) Sent to Mobile Banking Users - Regional
Forecast 2008-2013
- 5.2.4 “Push” Messaging Market
- Table 5.5: “Push” SMS Messaging Market Value ($m) -
Regional Forecast 2008-2013
- 5.3 Mobile Bill Presentment & Payment (MBPP)
- 5.3.1 Users
- Table 5.6: Mobile Phone Users (%) who make MBPP Transactions -
Regional Forecast 2008-2013
- Figure 5.4: Total Mobile Phone Users (m) who make MBPP Transactions -
Regional Forecast 2008-2013
- Table 5.7: Total Mobile Phone Users (m) Who Make MBPP Transactions -
Regional Forecast 2008-2013
- 5.3.2 MBPP Transactional Traffic
- Figure 5.5: Average Number of MBPP Transactions Made per Mobile
Banking User - Regional Forecast 2008-2013
- Table 5.8: Average Number of MBPP Transactions Made per Mobile Banking
User - Regional Forecast 2008-2013
- Figure 5.6: Total Number of MBPP Transactions (m) - Regional Forecast
2008-2013
- Table 5.9: Total Number of MBPP Transactions (m) - Regional Forecast
2008-2013
- 5.3.3 Transaction Value
- Table 5.10: Average MBPP Transaction Value ($) - Regional Forecast
2008-2013
- Figure 5.7: Total MBPP Transaction Value ($m) - Regional Forecast
2008-2013
- Table 5.11: Total MBPP Transaction Value ($m) - Regional Forecast
2008-2013
- Figure 5.8: Average MBPP Transaction Value per User ($) - Regional
Forecast 2008-2013
- Table 5.12: Average MBPP Transaction Value per User ($) - Regional
Forecast 2008-2013
6. Standards & Forums
- 6.1 Introduction
- 6.2 Who is Doing What?
- Table 6.1: Overview of Forum Activity
- 6.2.1 dotMobi
- 6.2.2 ETSI
- 6.2.3 The GSM Association
- 6.2.4 International Organisation for Standards (ISO)
- 6.2.5 Mobey Forum
- 6.2.6 Mobile Payment Forum
- 6.2.7 Open Mobile Alliance (OMA)
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