Mobile Commerce Prospects for Payments, Ticketing, Coupons and Banking 2008-2013

Table of Contents

Glossary

Executive Summary

• Mobile Commerce Market Trends
• Mobile Commerce in the Downturn
• Market Projections
  • Figure ES.1: Mobile Commerce Market Segmentation
  • Figure ES.2: Mobile Commerce Market Size ($m) - Financial Services Segments 2013
  • Figure ES.3: Mobile Commerce Market Size ($m) - Non-Financial Services Segments 2013
• Market Projections: Downturn Impact
  • Figure ES.4: Mobile Commerce Downturn Impact: Best Case 2008 Forecast vs. Worst Case Forecast (% variance)
• Drivers, Constraints and Applications
  • Figure ES.5: Mobile Commerce: Top 3 Drivers and Constraints
• Recommendations
• Report Scope & Objective

1. Mobile Commerce Market

• 1.1 Report Scope & Objective
• 1.2 Market Segmentation
  • Figure 1.1: Mobile Commerce Market Segmentation
• 1.3 Market Segment Definitions
  • 1.3.1 Mobile Payments
    • Figure 1.2: mCommerce Payment Process
      • i Digital & Physical Goods
      • ii Contactless NFC
      • iii Mobile Money Transfer
  • 1.3.2 Mobile Ticketing and Coupons
    • i Mobile Ticketing
    • ii Mobile Coupons
  • 1.3.3 Mobile Banking
• 1.4 Mobile Commerce Market Trends
  • 1.4.1 Tellabs
    • Figure 1.3: Tellabs Mobile Backhaul Solution
  • 1.4.2 Bango
    • Figure 1.4: Bango Analytics User Data Snapshot
  • 1.4.3 Mobile Web
• 1.5 Mobile Commerce Drivers & Constraints
  • Figure 1.5: Mobile Commerce: Top 3 Drivers and Constraints
  • 1.5.1 Top 3 Drivers
  • 1.5.2 Additional Drivers
    • Table 1.1: Mobile Commerce - Additional Drivers by Segment
  • 1.5.3 Top 3 Constraints
  • 1.5.4 Additional Constraints
    • Table 1.2: Mobile Commerce - Additional Constraints by Segment

2. Digital and Physical Goods

• 2.1 Introduction
• 2.2 Applications and Services
  • 2.2.1 Premium Rate SMS (PRSMS) Payment
    • i. North America
    • ii. Western Europe
    • iii. Sybase 365
  • 2.2.2 Mobile Phone Bill - “Direct to Bill” Payment
    • i. Applications & Services Examples
      • a. Cricket
      • b. U.S. Cellular
    • ii. Valista
      • Figure 2.1: PRSMS Transaction
      • Figure 2.2: Direct-to-bill Transaction
  • 2.2.3 Online - Payment for the Mobile Web & WAP Billing
    • i. Applications & Services Examples
      • a. Eastern Europe: GetJar
      • b. Western Europe: Bango
      • c. North America: mPoria
        • Figure 2.3: Presenting Products at an mPoria Enabled Mobile Store
      • d. North America: Digby
        • Figure 2.4: Digby' s Blackberry Service
      • e. Payforit in the UK - WAP “one click” Payment
  • 2.2.4 SMS Payment - Mobile Wallet & Account Based Payment
    • i. Applications & Services Examples
      • a. North America: PayPal
        • Figure 2.5: PayPal Mobile Checkout
      • b. North America: ShopText
      • c. Western Europe: LUUP
      • d. Western Europe: Bank of Ireland
      • e. Eastern Europe: Upaid
      • f. Far East & China
      • g. Indian Sub Continent
• 2.3 Specific Drivers and Constraints
  • Figure 2.6: Digital & Physical Goods: Specific Drivers and Constraints
  • 2.3.1 Specific Drivers
  • 2.3.2 Specific Constraints
• 2.4 Digital & Physical Goods Market Forecast
  • 2.4.1 Digital Goods
    • Figure 2.7: Total Remote Mobile Payment Gross Transaction Value for Digital Goods ($m) by Key Regions 2008-2013
    • Table 2.1: Total Remote Mobile Payment Gross Transaction Value for Digital Goods ($m) by 8 Key Regions 2008-2013
  • 2.4.2 Physical goods
    • Figure 2.8: Total Remote Mobile Payment Gross Transaction Value for Physical Goods ($m) by 8 Key Regions 2008-2013
    • Table 2.2: Total Remote Mobile Payment Gross Transaction Value for Physical Goods ($m) by 8 Key Regions 2008-2013
  • 2.4.3 Digital and Physical Goods Combined
    • Figure 2.9: Global Digital and Physical Goods Mobile Payment Market: Gross Transaction Value ($m) by 8 Key Regions 2008-2013
    • Table 2.3: Global Digital and Physical Goods Mobile Payment Market: Gross Transaction Value ($m) by 8 Key Regions 2008-2013
    • Figure 2.10: Global Remote Digital and Physical Goods Mobile Payment Market: Gross Transaction Value (%) Comparison 2008 & 2013
    • Figure 2.11: Global Personal Consumption Expenditure Comparison 2001 & 2007

3. Mobile Ticketing

• 3.1 Introduction
• 3.2 Transport Mobile Tickets
  • 3.2.1 UK
    • i. Chiltern Railways
      • Figure 3.1: Chiltern Railways eticket Link
    • ii. Heathrow Express
    • iii. O2 Wallet Trial & Oyster Card
  • 3.2.2 Italy
    • i. Trenitalia
  • 3.2.3 France
    • i. Air France
      • Figure 3.2: Air France Mobile Ticketing
  • 3.2.4 Germany
    • i. Lufthansa
      • Figure 3.3: Lufthansa Mobile Portal
  • 3.2.5 Austria
    • i. A1 Mobilkom
      • Figure 3.4: A1 Mobilkom Train Ticket Purchase
  • 3.2.6 Poland
    • i. LOT Polish Airlines
  • 3.2.7 India
    • i. Kingfisher Airlines
  • 3.2.8 Japan
    • i. Mobile FeliCa (osaifu-keitai)
• 3.3 Sport Mobile Tickets
  • 3.3.1 USA
    • i. Tickets.com
      • Figure 3.5: Tickets.com Home Page
      • Figure 3.6: Mobile Tickets at Washington Nationals
  • 3.3.2 UK
    • i. Everton Football Club
      • Figure 3.7: Everton Football Club Txt2Ticket Service
  • 3.3.3 India
    • i. IPL Cricket
      • Figure 3.8: Indian Premier Cricket League Mobile Ticket Delivery
• 3.4 Entertainment & Events Mobile Tickets
  • 3.4.1 India
    • i. Adlabs & PVR
  • 3.4.2 USA
    • i. Fandango
      • Figure 3.9: Fandango For Your Mobile Phone
    • ii. RepeatSeat.com
  • 3.4.4 Singapore
    • i. Singapore Air Show
• 3.5 Specific Drivers and Constraints
  • Figure 3.10: Mobile Ticketing: Specific Drivers and Constraints
  • 3.5.1 Specific Drivers
  • 3.5.2 Specific Constraints
• 3.6 Market Forecast
  • Figure 3.11: Total Mobile Ticketing Transaction Value ($m) by 8 Key Regions 2008-2013
  • Table 3.1: Total Mobile Ticketing Transaction Value ($m) by 8 Key Regions 2008-2013

4. Mobile Coupons

• 4.1 Introduction
• 4.2 Country Examples
  • 4.2.1 USA
    • i. Tickets.com
    • ii. Fandango
    • iii. Ikea
  • 4.2.2UK
    • i. Corney & Barrow
    • ii. Harveys/ITV
  • 4.2.3 Portugal
    • i. McDonalds
  • 4.2.4 Germany
    • i. H&M; Gavitec
      • Figure 4.1: Gavitec Mobile Coupons at an H&M Shop
  • 4.2.5 Germany
    • i. Gavitec: Casual Clothing Retailer
  • 4.2.6 Japan
    • i. McDonalds
    • ii. NTT DoCoMo Toruca Service
      • Figure 4.2: NTT DoCoMo ToruCa in Use
      • Figure 4.3: NTT DoCoMo ToruCa Structure
  • 4.2.7 Korea
    • i. SK Telecom OK CouFun Service
  • 4.2.8 Singapore
    • i. NETS
  • 4.2.9 India
    • i. MoneySaver
      • Figure 4.4: MoneySaver SMS Mobile Coupon Service
• 4.3 Specific Drivers and Constraints
  • Figure 4.5: Mobile Coupons: Specific Drivers and Constraints
  • 4.3.1 Specific Drivers
  • 4.3.2 Specific Constraints
• 4.4 Market Forecast
  • Figure 4.6: Total Mobile Coupons Redemption Value ($m) by 8 Key Regions 2008-2013
  • Table 4.1: Total Mobile Coupons Redemption Value ($m) by 8 Key Regions 2008-2013

5. NFC & FeliCa Payments

• 5.1 Introduction
• 5.2 NFC Uses
  • Figure 5.1: Oyster Card Using MIFARE Technology
  • Figure 5.2: Uses of NFC
• 5.3 FeliCa Uses
  • Figure 5.3: Uses of FeliCa
• 5.4 Applications and Services Examples
  • 5.4.1 GSM Association
    • Figure 5.4: GSMA Pay-Buy Mobile Participants
    • Figure 5.5: Pay-Buy Mobile Purchasing Process
    • Figure 5.6: Pay-Buy Mobile Ecosystem
    • Figure 5.7: GSMA PBM Pilots
  • 5.4.2 North America
    • Figure 5.8: Contactless Acceptance at U.S. Merchants - June 30, 2007
    • Figure 5.9: Visa payWave Payment Options
  • 5.4.3 South America
  • 5.4.4 Western Europe
    • i. Overview
      • Figure 5.10: mobilkom austria: Purchase of Train Tickets
    • ii. Logica: C1000 Supermarket Trial
    • iii. O2 UK
      • a. London Fashion Week February 2008
      • b. O2 Wireless Festival 2007
    • iv. Italy
    • v. France
  • 5.4.5 Far East & China
    • i. NTT DoCoMo
      • Figure 5.11: NTT DoCoMo Osaifu-Keitai e-wallet Handset Services
    • ii. SK Telecom
  • 5.4.6 Rest of Asia Pacific
  • 5.4.7 Africa & Middle East
• 5.5 Specific Drivers and Constraints
  • Figure 5.12: NFC: Specific Drivers and Constraints
  • 5.5.1 Specific Drivers
  • 5.5.2 Specific Constraints
• 5.6 Market Forecast
  • Figure 5.13: Total Value of NFC Transactions ($m) by 8 Key Regions 2008-2013
  • Table 5.1: Total Value of NFC Transactions ($m) by 8 Key Regions 2008-2013

6. Mobile Money Transfer

• 6.1 Introduction
• 6.2 Regional Examples
  • 6.2.1 North America
    • i. Trumpet Mobile
      • Figure 6.1: Trumpet' s Western Union Money Transfer Service
    • ii. Obopay
    • iii. Monitise: Everlink
    • iv. PayPal and Sprint
  • 6.2.2 Western Europe
    • i. Moneytext
    • ii. Crandy
    • iii. LUUP
  • 6.3.3 Indian Sub Continent
    • i. Bharti Airtel/Western Union
    • ii. Obopay/YES BANK
    • iii. Visa
  • 6.2.4 Rest of Asia Pacific
    • i. SmartMoney .
      • Figure 6.2: SmartMoney Service Features
      • Figure 6.3: SmartMoney Transfer Process
    • ii.Globe GCASH
  • 6.2.5 Africa & Middle East
    • i. Vodafone
    • ii. MTN
    • iii. Celpay
    • iv. MoneyBox Africa
    • v. Monitise: Made in Africa
    • vi. Etisalat
• 6.3 Specific Drivers and Constraints
  • Figure 6.4: Mobile Money Transfer: Specific Drivers and Constraints
  • 6.3.1 Specific Drivers
  • 6.3.2 Specific Constraints
• 6.4 Market Forecast
  • 6.4.1 National Mobile Money Transfers Forecast
    • Figure 6.5: Total Value of National Transactions p.a. ($m) by 8 Key Regions 2008 - 2013
    • Table 6.1: Total Value of National Transactions p.a. ($m) by 8 Key Regions 2008 - 2013
  • 6.4.2 International Mobile Money Transfers Forecast .
    • Figure 6.6: Total Value of International Transactions p.a. ($m) by 8 Key Regions 2008 - 2013
    • Table 6.2: Total Value of International Transactions p.a. ($m) by 8 Key Regions 2008 - 2013
    • Figure 6.7: Worldwide Remittances p.a. ($bn) 2001 - 2007 .
    • Figure 6.8: Worldwide Remittances Growth p.a. 2001 - 2007
  • 6.4.2 National and International Mobile Money Transfers Forecast
    • Figure 6.9: Total Value of All Mobile Money Transfers p.a. ($m) by 8 Key Regions 2008 - 2013
    • Table 6.3: Total Value of All Mobile Money Transfers p.a. ($m) by 8 Key Regions 2008 - 2013
    • Figure 6.10: Comparison of National & International Mobile Money Transfer Values (% of all) 2008 - 2013

7. Mobile Banking

• 7.1 Introduction
• 7.2 Applications & Services Examples
  • 7.2.1 North America
    • i. Bank of America
      • Figure 7.1: Bank of America Mobile Screens
    • ii. Wells Fargo Corporate
      • Figure 7.2: Wells Fargo CEO Mobile Service
    • iii. Wells Fargo Retail
      • Figure 7.3: Wells Fargo Retail Mobile Banking
  • 7.2.2 Western Europe
    • i. Monitise/MONILINK
      • Figure 7.4: MONILINK: Enabling the Mass Market in Banking and Payments
      • Figure 7.5: MONILINK User Base by Age
      • Figure 7.6: MONILINK Weekly and Monthly Usage Profiles
      • Figure 7.7: MONILINK Time of Day Usage Profiles
      • Figure 7.8: Monitise MONILINK Revenue Model
    • ii. Lloyds TSB Commercial
      • Figure 7.9: Lloyds TSB Commercial Telephone Service Centre Calls
      • Figure 7.10: Lloyds TSB Commercial SMS Text Alert Service Take Up (users)
      • Figure 7.11: Lloyds TSB Commercial SMS Text Alert Service Customer Satisfaction 2005 to 2008
      • Figure 7.12: Lloyds TSB Retail Mobile Banking Pack Screenshot
    • iii. Barclays
    • iv. Postbank
  • 7.2.3. Eastern Europe
    • i. Garanti Bank
      • Figure 7.13: Garanti Alternative Distribution Channel Strategy Rationale
      • Figure 7.14: Garanti Mobile Banking Service
  • 7.2.4 Far East & China
    • i. China Merchants Bank
    • ii. SK Telecom
    • iii. NTT DoCoMo
    • iv. Mobile Money Ventures Hong Kong
      • Figure 7.15: Mobile Money Ventures Mobile Banking Screenshot
  • 7.2.5 Indian Sub Continent
    • i. Union Bank of India
  • 7.2.6 Rest of Asia Pacific
    • i. National Australia Bank
  • 7.2.7 Africa & Middle East
    • i. Standard Chartered Bank UAE
• 7.3 Specific Drivers and Constraints
  • Figure 7.16: Mobile Banking: Specific Drivers and Constraints
  • 7.3.1 Specific Drivers
  • 7.3.2 Specific Constraints
• 7.4 Market Forecast
  • 7.4.1 MBPP (Mobile Bill Payment and Presentation) “Pull” Service Transaction Value
    • Figure 7.17: Total MBPP Transaction Value ($m) by 8 Key Regions 2008-2013
    • Table 7.1: Total MBPP Transaction Value ($m) by 8 Key Regions 2008-2013

8. Mobile Commerce: Downturn Impact Analysis

• 8.1 Economic Environment
  • 8.1.1 Global Volatility
  • 8.1.2 Guidance: Impact on 2008 Forecasts
• 8.2 Digital Goods Purchases
  • 8.2.1 Key Market Forces
    • Table 8.1: Digital Goods - Impact of Key Market Forces
  • 8.2.2 Market Forecast: Best & Worst Case Scenarios
    • Figure 8.1: Digital Goods Purchases Market ($m) Best Case 2008 Forecasts Compared With Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.2: Digital Goods Purchases Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Figure 8.2: Digital Goods Purchases Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.3: Digital Goods Purchases Market Growth Rate (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
• 8.3 Physical Goods Purchases
  • 8.3.1 Key Market Forces
    • Table 8.4: Physical Goods - Impact of Key Market Forces
  • 8.3.2 Market Forecast Impact: Best & Worst Case Scenarios
    • Figure 8.3: Physical Goods Purchases Market ($m) Best Case 2008 Forecasts Compared With Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.5: Physical Goods Purchases Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Figure 8.4: Physical Goods Purchases Market (%) Best Case 2008 Forecasts Compared With Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.6: Physical Goods Purchases Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
• 8.4 Mobile Ticketing
  • 8.4.1 Key Market Forces
    • Table 8.7: Mobile Ticketing - Impact of Key Market Forces
  • 8.4.2 Market Forecast Impact: Best & Worst Case Scenarios
    • Figure 8.5: Mobile Ticketing Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.8: Mobile Ticketing Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Figure 8.6: Mobile Ticketing Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.9: Mobile Ticketing Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
• 8.5 Mobile Coupons
  • 8.5.1 Key Market Forces
    • Table 8.10: Mobile Coupons - Impact of Key Market Forces
  • 8.5.2 Market Forecast Impact: Best & Worst Case Scenarios
    • Figure 8.7: Mobile Coupons Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.11: Mobile Coupons Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Figure 8.8: Mobile Coupons Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.12: Mobile Coupons Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
• 8.6 Contactless NFC
  • 8.6.1 Key Market Forces
    • Table 8.13: Contactless NFC - Impact of Key Market Forces
  • 8.6.2 Market Forecast Impact: Best & Worst Case Scenarios
    • Figure 8.9: Contactless NFC Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.14: Contactless NFC Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Figure 8.10: Contactless NFC Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.15: Contactless NFC Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
• 8.7 Money Transfer
  • 8.7.1 Key Market Forces
    • Table 8.16: Money Transfer - Impact of Key Market Forces
  • 8.7.2 Market Forecast Impact
    • Figure 8.11: Money Transfer Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.17: Money Transfer Market ($m) Best Case 2008 Forecast Compared with Median Downturn Scenario & Worst Case Downturn Scenario 2009-2013
    • Figure 8.12: Money Transfer Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.18: Money Transfer Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
• 8.8 Mobile Banking
  • 8.8.1 Key Market Forces
    • Table 8.19: Mobile Banking - Impact of Key Market Forces
  • 8.8.2 Market Forecast Impact: Best & Worst Case Scenarios
    • Figure 8.13: Mobile Banking Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.20: Mobile Banking Market ($m) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Figure 8.14: Mobile Banking Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013
    • Table 8.21: Mobile Banking Market (%) Best Case 2008 Forecasts Compared With a Median Downturn Scenario & a Worst Case Downturn Scenario 2009-2013