Mobile payments: progressing towards large-scale deployments

OVUM VIEW

• KEY MESSAGES

MOBILE PAYMENTS: NEAR THE INFLECTION POINT?

• A TRANSITION IS UNDERWAY
  • SUCCESS FACTORS FOR M-PAYMENTS
  • KEY MARKET EVOLUTIONS

MARKET SEGMENTATION

• CHANGING PERSPECTIVES
  • DEFINITIONS
  • THE NEED FOR A BROADER PERSPECTIVE
  • MAIN AXES OF DEVELOPMENT

STILL IN SEARCH OF BUSINESS MODELS

• COMPLEXITY OF DEVELOPING PARTNERSHIPS
• COLLABORATIVE VERSUS COMPETITIVE MODELS
• THE ROLE OF INDEPENDENT PLAYERS

CASE STUDY OVERVIEW

• FOCUS AREAS

MOBILE BANKING CASE STUDIES

• MONITISE
  • BRIEF CORPORATE OVERVIEW
  • MONITISE' S APPROACH TO MOBILE BANKING
  • MONILINK: OVERVIEW OF THE UK M-BANKING SERVICE
  • DEVELOPMENTS IN THE US
  • BUSINESS MODEL
  • NEXT STEPS
  • OVUM VIEW
• FIRETHORN
  • FIRETHORN' S APPROACH TO MOBILE BANKING
  • COMMERCIAL DEVELOPMENT
• BANKID (TELENOR AND NORWEGIAN BANKS)
  • OVERVIEW OF BANKID
  • PROGRESS
  • SERVICES
  • BUSINESS MODEL
  • OVUM VIEW
• SYBASE 365 M-BANKING SOLUTION
  • SOLUTION OVERVIEW
  • OVUM VIEW
• RABO MOBIEL
  • SERVICE OVERVIEW
  • OVUM VIEW

NFC-BASED PAYMENTS

• PEGASUS PROJECT
  • PLAYERS INVOLVED
  • PILOT PROJECT OVERVIEW
  • BUSINESS MODEL
  • OVUM VIEW

MONEY TRANSFERS IN DEVELOPING COUNTRIES

• ORANGE MONEY
  • SERVICE OVERVIEW
  • BUSINESS MODEL
  • A STEPPING STONE TO INTERNATIONAL REMITTANCES
  • OVUM VIEW
• GLOBE: G-CASH
  • THE PHILIPPINES MARKET CONTEXT
  • SERVICE OVERVIEW
  • MAIN USE CASES
  • BUSINESS MODEL
  • OVUM VIEW
• VODAFONE
  • M-PESA IN KENYA: 1.3 MILLION CUSTOMERS
  • VODAFONE-CITIGROUP PARTNERSHIP
  • M-PAISA IN AFGHANISTAN
  • OVUM VIEW
• GRAMEENPHONE' S BILLPAY
  • THE BANGLADESH MARKET CONTEXT
  • PROBLEM STATEMENT
  • BILLPAY SERVICE
  • USAGE UPTAKE
  • BUSINESS MODEL
  • OVUM VIEW
• EAST AFRICAN OPERATORS
  • OVUM VIEW
• MTN BANKING
  • SOUTH AFRICA: MARKET CONTEXT
  • MTN BANKING SERVICE
  • SERVICE UPTAKE
  • OVUM VIEW
• LUUP
  • BRIEF CORPORATE OVERVIEW
  • OVERVIEW OF CURRENT SERVICES
  • NEW MODEL IN DEVELOPMENT: TRANSACTION PROCESSING BETWEEN
  • FINANCIAL INSTITUTIONS
  • OVUM VIEW

MOBILE COMMERCE STRATEGIES IN RETAIL

• MPORIA
  • BRIEF CORPORATE OVERVIEW
  • MPORIA' S APPROACH TO MOBILE SHOPPING
  • PRODUCTS AND SERVICES
  • BUSINESS MODEL
  • SERVICE UPTAKE
  • RETAILER EXPERIENCE: SECOND ACT
  • OVUM VIEW
• MOBILKOM
  • DEVELOPMENT STEPS
  • PERFORMANCE OF THE SERVICES
  • BUSINESS MODEL
  • OVUM VIEW
• PAYPAL MOBILE
  • CORPORATE OVERVIEW
  • SERVICES
  • OVUM VIEW

THE VALUE CHAIN FOR MOBILE PAYMENTS

• OVERVIEW OF THE MOBILE PAYMENT PROCESS

• FIGURE 1: PUTTING M-PAYMENT IN A BROADER PERSPECTIVE
• FIGURE 2: FOUR MAIN AXES OF DEVELOPMENT
• FIGURE 3: TYPOLOGY OF BUSINESS MODELS IN M-PAYMENTS AND EXAMPLES OF PLAYERS
• FIGURE 4: MOBILE PAYMENTS: MAIN FOCUS AREAS
• FIGURE 5: MATURITY OF THE MOBILE PAYMENT SERVICES AND PROJECTS QUOTED IN THE CASE STUDIES
• FIGURE 6: MONILINK: HIGH-LEVEL ARCHITECTURE
• FIGURE 7: BASIC PRINCIPLES FOR MONITISE' S REVENUE MODEL
• FIGURE 8: MONITISE' S MODEL FOR PREPAID TOP-UPS
• FIGURE 9: FIRETHORN' S MOBILE BANKING APPLICATION
• FIGURE 10: SNAPSHOT OF PAYEZ MOBILE MERCHANTS IN THE CITY OF STRASBOURG
• FIGURE 11: G-CASH CLIENT PROCESSES
• FIGURE 12: BUY.COM' S MOBILE SHOPPING SITE POWERED BY MPORIA
• FIGURE 13: CHECKOUT USING PAYPAL MOBILE ON AN MPORIA-POWERED SHOPPING SITE
• FIGURE 14: PAYPAL: USER PROCESS FOR TEXT TO BUY SERVICE
• FIGURE 15: PAYPAL: USER PROCESS FOR MOBILE CHECKOUT SERVICE
• FIGURE 16: MOBILE PAYMENT PROCESS OVERVIEW
• FIGURE 17: PROVISIONING THE M-PAYMENT APPLICATION
• FIGURE 18: M-PAYMENT PRODUCT ORDERING AND DELIVERY
• FIGURE 19: PERFORMING MOBILE PAYMENTS
• FIGURE 20: MANAGING THE END-USER ACCOUNT
• FIGURE 21: PERFORMING MOBILE MARKETING/CRM ACTIONS
• FIGURE 22: PLAYERS' POSITIONS ON THE VALUE CHAIN

• TABLE 1: ORANGE' S KEY OPERATIONS IN AFRICA AND MIDDLE EAST (AT END OF 2007)
• TABLE 2: M-PESA SERVICE FEES