Mobile Payments
Innovation Reports - 07/12/2010
A battle of giants in a fragmented market
This study spotlights the mobile payment market, provides details about the related services and their technological aspects, analyses the usages and the industrial structure with a drawn of the value chain. The report makes an in-depth look in examinating several business models - for NFC, SMS, Fixed/mobile wallet & App Stores - their impacts and upcoming opportunities.
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| M10111 |  | PDF | 75 |
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1. Executive Summary
2. Methodology
2.1. General scope of the study
2.2. Definition
3. Market structure and key factors
3.1. Typology of mobile payment services
3.1.1. Payment on the mobile
• SMS based mobile payments
• Mobile web payments
• Summary: two main technologies, many payment options, but bank clearance is still essential
3.1.2. Payment with the mobile
• Definition
• Typology
3.1.3. Receiving payment with a mobile handset
• Hardware solution
• Software solution
3.1.4. Other innovative related services
• CTC Money transfers between mobile subscribers
• Check deposit with iPhone
• Ebay barcodes scan
3.2. Typology of services/goods in the scope of the mobile payment
3.2.1. General typology
3.2.2. Micro-payment
3.3. Technical aspects
3.3.1. NFC Technology
3.3.2. Secure element for NFC
3.3.3. Ways of implementing NFC into the mobile
• IC (integrated circuit) chip embedded into the mobile
• NFC as stickers
• microSD
3.3.4. Security for mobile Internet
3.3.5. Authentication
• NFC
• Authentication for payment on the mobile
3.4. Usages
• Growing usage boosted by smartphone adoption
• Young people, and men in particular, are most interested
• Safety is still an issue, but confidence is growing
• Strong price-elasticity
• M-Payment for digital goods, travel, and foods
• Mobile Banking could extend to bill payment
4. Organisation & Industrial Strategy
4.1. Industrial structure
4.1.1. Value chain
• Payments on the mobile
• Payment with the mobile (NFC)
• Mobile Telcos
• Handset vendors
• Merchants
4.1.2. Economic models
4.1.3. Competitive structure
4.2. Profiles
4.2.1. Card issuers: going mobile via contactless technologies
4.2.2. Mobile Operators: from operator billing to NFC
• Mobile operators partnerships
4.2.3. Billing platforms relying on carrier billing
4.2.4. Internet fixed players: from fixed to mobile
4.2.5. Other Payment service providers
4.2.6. Manufacturers
4.2.7. Retailers
5. Strategic analysis
5.1. Estimation of the market size
5.2. Key factors of development
5.3. Opportunities for the different players
• Mobile Operators
• Card issuers & banks
• Retailers
• Service providers
• Internet giants
• Manufacturers
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• What are the different mobile payment services and which technologies are being used?
• Who is using M-payment and how do they use it?
• How are this emerging market and its value chain structured?
• What are the existing business models and who is the furthest along with their deployments?
• What are the market's key figures and what are the main forces driving development?
• What does the competition landscape look like?
• What sustainable opportunities are available to the diffrent kind of players? |
Card Issuers:
• Visa: from contactless credit card to mobile payment
• BarclayCard: Onepulse card
• American Express: iPhone App to pay bills
Telcos:
• NTT docomo: operational NFC mobile wallet
• Telefonica: many NFC trials in the UK and in Spain
• Deutsche Telekom
• Orange
• Sprint: a new mobile wallet outside NFC
• Telecom Italia: no commercial launch since 2009 trials
• PTC launches a mobile payment pilot in Poland
Billing platforms:
• Boku: a service for paying fixed Internet services for unbanked people
• Zong: trying to bypass operator bill?
Internet fixed players:
• PayPal mobile
• Amazon Mobile Payments
• Google: an agreement with PayPal?
• Facebook: from virtual currency to e-payment?
Other payment services providers:
• Obopay: from money transfer to payment
• MoBeePay: payment based on tags
• Venmo: social peer-to-peer payment
• Billing revolution: checkout for Android
• Verifone: card reader for IPhone
Manufacturers:
• Apple: handling 100 millions of iTunes accounts
• Nokia: involved in mobile payment
• Gemalto: secure platform and operator billing solutions
Retailers:
• McDonald's in Japan: loyalty programme including couponing and payment
• Carrefour: contactless card trial
• Starbucks: from loyalty card to mobile payment
• Subway |
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