Mobile Payment Strategies Opportunities _ Markets 2011-2015

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					     Mobile Payment Strategies
 Opportunities & Markets 2011-2015
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2011.7

Overview
- Entire Ecosystem Analysed
- Expert Industry Intelligence
- Fully Updated Third Edition

This report provides the definitive big picture view of the entire
mobile payment market, delivering detailed vendor analysis and
forecasts for three segments of this rapidly developing landscape;
mobile payments for digital and physical goods, NFC retail marketing
and mobile payments; and mobile money transfer & remittances
(domestic and international).

This invaluable market sizing tool delivers an insightful synopsis of
the opportunity for each of the mobile payment segments projecting
gross mobile payment transaction values for eight key regions up
until 2015. For more in-depth sector focused forecasts, please see
each of three related reports within the mobile commerce stream.

This fully updated third edition defines the current mobile payments
market structure, exploring a number of vendor applications and
services, central to emerging trends within the value chain over the
past 12 months.

Table of Contents
Executive Summary
Mobile Commerce & Payments Market

     1.1 Market Outline        15
     1.1.1 Synopsis       15
     1.1.2 Market Segmentation        16
     Figure 1.1: Mobile Commerce Market Segmentation             16
     1.2 Market Drivers and Constraints               17
     Figure 1.2: Mobile Payments: Summary of Market Drivers &
     Constraints        17
     1.2.1 Drivers         17
     i. Convenience & User Demand              17
     ii. Increase in ARPU            18
     iii. Larger Retail Transactions               18
     iv. Cash Replacement            18
     v. Developing World            18
     vi. Lower Churn          19
     vii. Smartphone Growth             19
     viii. SMS       19
     ix. eCommerce         19
     x. Migrant Worker Remittances              20
     xi. Transaction Efficiency             20
     xii. Success Stories & PR             21
     xiii. Future Services             21
     xiv. One to One Marketing             21
     1.2.2 Constraints           22
     i. User Experience           22
     ii. Business Model & Payouts              22
     Figure 1.3: NFC Ecosystem Top Level View                 23
     iii. Smartphone Proliferation              24
     iv. Regulatory Hurdles             24
     v. Transaction Costs            25
     vi. Disclosure         25
     vii. Inadequate Local Agent Networks                25
     viii. Device Availability             26
     ix. Service Complexity and Management                26
     Figure 1.4: NFC Ecosystem Detailed View                 27

Mobile Payments: Market Structure and Trends

     2.1 Definition       29
     Figure 2.1: mCommerce Payment Process        29
     2.2 Market Segmentation       30
     2.2.1 Top level Segments        30
     Figure 2.2: Mobile Payments Market Segmentation            31
     2.2.2 Market Segment Detail         31
     i. Remote Payments       31
     ii. Proximity/POS Payments         32
     2.2.3 Market Segment Boundaries           32
     i. Mobile Money Transfer Service Expansion            32
     ii. Variation Within Segments          32
     Figure 2.3: Arriva Buses Mobile Ticketing Service                33
     iii. Platform & Service Extension            34
     iv. Emerging Segments       34
     2.2.4 Report Focus: What is Included?            34
     2.3 Classification of Payment Schemes            35
     Table 2.1: Mobile Payment Classification              35
     2.3.1 Mobile Phone Bill – “D2B” (Direct to Bill)
     Payment        35
     2.3.2 Premium Rate SMS (PSMS)           36
     i. Advantages of PSMS Payment           36
     ii. Disadvantages of PSMS Payment            37
     2.3.3 Mobile Web & WAP Billing           37
     2.3.4 SMS/Java/SIM Toolkit          38
     Figure 2.4: PayPal Mobile “Text To Buy”                38
     Figure 2.5: PayMate Purchase Process            39
     2.3.5 Person-to-Person (P2P) Payment            39
     2.3.6 Smartphone Apps       40
     Figure 2.6: SBB Swiss Railways iPhone App              40
     2.3.7 NFC Contactless Payment           40
     i. NFC Technology        40
     Figure 2.7: Typical NFC Implementation             42
     ii. NFC Implementation        42
     Figure 2.8: Oyster Card Using MIFARE Technology               42
     Figure 2.9: Uses of NFC        43
     Figure 2.10: N Mark Logo         43
     iii. NFC in the Device        44
     iv. Interim NFC Form Factor Solutions            44
     Figure 2.11: Integration Phase Comparison – NFC and Mobile
     Broadband         45
     Figure 2.12: Twinlinx My-Max NFC Sticker              45
     Figure 2.13: Giesecke & Devrient NFC SD Card              45
     Figure 2.14: NFC Case for iPhone            46
     Figure 2.15: VeriFone PAYware Mobile Enterprise               46
     v. Further Vertical Markets          47
     2.3.8 In Store        47
     Figure 2.16: Mocapay Mobile Commerce Platform              47
     2.4 On Deck & Off Deck        48

Case Studies: Applications and Services

     3.1 Introduction       49
     3.2 Digital Goods Case Studies       49
     3.2.1 Greater Copenhagen Traffic Companies (Denmark)                  49
     Figure 3.1: Mobile Ticketing in Copenhagen – 1415.dk                   50
     3.2.2 Badoo & Ericsson       50
     3.2.3 TDC Denmark & Aepona              51
     3.2.4 Virgin Media & OpenMarket (UK)              51
     3.3 Physical Goods Case Studies             52
     3.3.1 Danal (Korea)          52
     Figure 3.2: Danal Mobile Payment Service                52
     Figure 3.3: Danal Mobile Payment Transaction Value 2001-2010
     (KRW 100m)         53
     3.3.2 Brooks Brothers & Digby (US)             53
     Figure 3.4: Brooks Brothers Mobile Site               54
     3.3.3 Amazon          54
     Figure 3.5: Amazon Mobile Shopping             54
     3.3.4 eBay Mobile         55
     Figure 3.6: eBay “Store in Your Pocket”                  55
     3.4 NFC Case Studies           56
     3.4.1 France Telecom Orange              56
     i. Orange Strategy          56
     ii. Cityzi Pilot         56
     Figure 3.7: Cityzi Mobile Ticketing             57
     3.4.2 Telefonica, Visa & La Caixa (Spain)                58
     Figure 3.8: Sitges Mobile Shopping             58
     3.4.3 Osaifu-keitai (Japan)              59
     i.       FeliCa Services             59
     Figure 3.9: Osaifu-Keitai Service Concept                59
     ii.        NTT DOCOMO and KT             60
     3.4.4 MasterCard, Gemalto, Garanti Bank and Avea
     (Turkey)        60
     3.5 Mobile Money Transfers and Remittances                 61
     3.5.1 Safaricom M-PESA            61
     i. Service Description            61
     ii. Service Statistics            61
     Figure 3.10: M-PESA Tariff              62
     iii. Service Developments             62
     3.5.2 Smart Money         62
     Figure 3.11: SmartMoney Service Features                63
     Figure 3.12: Smart Money Online Stores               64
     3.5.3 Western Union          64
     Figure 3.13: Western Union Product Development
     Strategy        66
     3.5.4 mService (Vietnam)             66

Vendors and Solutions

     4.1 Aepona       69
     Figure 4.1: Aepona NaaS Concept       71
     4.2 C-SAM       71
     4.3 Digby       72
     Figure 4.2: Digby Rich Retailer Branded App         74
     4.4 eServGlobal          75
     Figure 4.3: eServGlobal Product Overview       76
     4.5 Ericsson        77
     Figure 4.4: Ericsson IPX Ecosystem       78
     4.6 Fundamo        79
     4.7 Gemalto        81
     4.8 MoreMagic         83
     4.9 Seamless        84
     4.10 tyntec        85
     4.11 Utiba       86
     4.12 VeriFone         88
     4.13 ViVOtech         89

Market Forecasts

     5.1 Methodology       91
     5.1.1 Approach and Assumptions        91
     Figure 5.1: Market Forecast Methodology           92
     5.2 Global Mobile Subscriber Forecast          93
     Figure 5.2: Mobile Subscriber Base (m) Split by 8 Key Regions
     2011-2015        94
     Table 5.1: Mobile Subscriber Base (m) Split by 8 Key Regions
     2011-2015        94
     5.3 Mobile Payment Market Forecasts         95
     5.3.1 Digital and Physical Goods         95
     i. Digital Goods       95
     Figure 5.3: Total Remote mPayment Gross Transaction Value for
     Digital Goods ($m) Split by 8 Key Regions 2011-2015       96
     Table 5.2: Total Remote mPayment Gross Transaction Value for
     Digital Goods ($m) Split by 8 Key Regions 2011-2015       96
     ii. Physical Goods        97
     Figure 5.4: Total Remote mPayment Gross Merchandise Sales
     Transaction Value for Physical Goods ($m) Split by 8 Key
     Regions 2011-2015        97
     Table 5.3: Total Remote mPayment Gross Merchandise Sales
     Transaction Value for Physical Goods ($m) Split by 8 Key
     Regions 2011-2015        98
     iii. Digital and Physical Goods Combined           98
     Figure 5.5: Global Remote mPayment Market: Gross Merchandise
     Sales Transaction Value ($m) Split by 8 Key Regions 2011-
     2015       99
     Table 5.4: Global Remote mPayment Market: Gross Merchandise
     Sales Transaction Value ($m) Split by 8 Key Regions 2011-
2015       99
Figure 5.6: Global Remote mPayment Market: Gross Merchandise
Sales Transaction Value (%) Split by 8 Key Regions 2011-
2015       100
Table 5.5: Global Remote mPayment Market: Gross Merchandise
Sales Transaction Value (%) Split by 8 Key Regions 2011-
2015       100
Figure 5.7: Global Remote mPayment Market: Gross Merchandise
Sales Transaction Value (%) Digital vs. Physical Goods
Comparison 2011-2015         101
Table 5.6: Global Remote mPayment Market: Gross Merchandise
Sales Transaction Value (%) Digital vs. Physical Goods
Comparison 2011-2015         101
5.3.2 NFC       102
Figure 5.8: Total NFC Ticketing and Retail Payments Transaction
Value ($m) p.a.    Split by 8 Key Regions 2011-2015      102
Table 5.7: Total NFC Ticketing and Retail Payments Transaction
Value ($m) p.a.    Split by 8 Key Regions 2011-2015      102
Figure 5.9: Total NFC Ticketing and Retail Payments Transaction
Value (%) p.a.    Split by 8 Key Regions 2011 & 2015       103
Table 5.8: Total NFC Ticketing and Retail Payments Transaction
Value (%) p.a.    Split by 8 Key Regions 2011 & 2015       103
5.3.3 Mobile Money Transfers         103
Figure 5.10: Total Value of All Mobile Money Transfers ($m) p.a.
Split by 8 Key Regions 2011–2015          104
Table 5.9: Total Value of All Mobile Money Transfers ($m) p.a.
Split by 8 Key Regions 2011–2015          104
Figure 5.11: Comparison of Domestic, Sophisticated Financial
Services & International Mobile Money Transfer Transaction
Values (% of total) 2011-2015         105
Table 5.10: Comparison of Domestic, Sophisticated Financial
Services & International Mobile Money Transfer Transaction
Values (% of total) 2011-2015         105
5.3.4 Total Mobile Payment Market         105
i. Regional Split        105
Figure 5.12: Total Mobile Payment Market ($m) Split by 8 Key
Regions 2011 – 2015          106
Table 5.11: Total Mobile Payment Market ($m) Split by 8 Key
Regions 2011 – 2015          107
Figure 5.13: Total Mobile Payment Market (%) Split by 8 Key
Regions 2011 – 2015          107
Table 5.12: Total Mobile Payment Market (%) Split by 8 Key
Regions 2011 – 2015          108
ii. Market Segment Split         108
Figure 5.14: Total Mobile Payment Market ($m) Split by Digital
& Physical Goods, NFC & Mobile Money Transfers 2011 –
2015       108
Table 5.13: Total Mobile Payment Market ($m) Split by Digital &
Physical Goods, NFC & Mobile Money Transfers 2011 –
2015       109
Figure 5.15: Total Mobile Payment Market (%) Split by Digital &
Physical Goods, NFC & Mobile Money Transfers 2011 –
2015       109
Table 5.14: Total Mobile Payment Market (%) Split by Digital &
Physical Goods, NFC & Mobile Money Transfers 2011 –
2015       109

				
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posted:8/9/2011
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