from mpayment to mcommerce€¦ · from mpayment to mcommerce roberta zurlo head of mcommerce...

From mPaymentto mPaymentto mCommerce

Roberta Zurlo

Head of mCommerce

Consumer Services & Innovation ,

Vodafone Italy

1

�Prepaid and mobile – are we talking to the same

customers?

�Mwallet – the road to mass market

Agenda

�Mwallet – the road to mass market

�Mobile commerce – the italian ecosystem

Prepaid and mobile

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Mobile / customers

� 37 hours avg monthly time spent on smartphone

� 1.2 billion smartphones

� 1.8 billions handset sold in 2013

� OW 1 billion (55% first year smartphone outsold features phone

globally)

� 2.1 billion active mobile - broadband subscribers (30% of world

population)

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� 37 hours avg monthly time spent on smartphone

(more than any other media)

� 35% of smartphone owners in Q2 2013 used their

device to locate a store, 24% to find coupons and

deals, and 19% to look up product availability

� $1.5 trillion value of mcommerce in 2013. expected to exceed $3.2

trillion by 2017

� 245 million users already using mobile payments (2013)

� 116 million use online banking (+38% YoY) (2013)

� There will be 3 billion cless transaction done via mobile by end 2014

Mobile payment landscape – our proposition SmartPass,

mPesa and Wallet

SmartPass

Wallet

mPesa

5Source: Bain, 2014

Mobile payment in Italy

OperatorsCommercial launch mobile proximity

payment:

� Vodafone with SmartPass, soon with

Mediolanum and UBI

� Tim with ISP, Mediolanum , UBI and

BNL

� Pilot mno/banks: H3G and wind

Telcos&Banks Banks/others

� Intesa San Paolo move and pay

� UBI PAY P2P

� Mediolanum send money (PayPal)

� SisalPay

� Poste Mobile wallet

� Unicredit mobile plus

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Customer

s

� Pilot mno/banks: H3G and wind

with bnl,ubi compass and

mediolanum and BNL

45 millions smartphones

12 millions tablet

More than 30 millions mobile Internet users

6 millions cless cards (41 debit,28 credit,19 prepaid).

More than 200K cless POS terminal

Italy Smartphone penetration highest in europe but cash

transaction still 86% vs 59% EU.

25%

buys product/services by mobile

(apps not included)

1,3 Billions

mcommerce values(+ 44% YoY)

mWallet –the road to mass market

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the road to mass market

SmartPassVodafone SmartPass was born to deliver an easy,

exclusive and rewarding payment method for all our

customers linking benefit of telco and payment in one

worry free product� Launched in 2012

� Sold in all our Vodafone Store

� Price : 5€

Contactless

No signature

under 25€

and ready to

go mobile

Purchases,

P2P and

balance

controls, SIM

top up

With a

dedicated

mobile App and

website

Easy to top

up

100k POS

sale

+ bank

transfer on

IBAN card.

Safe

Ideal for online

purchases.

Free SMS alert

for every

purchases.

International

acceptance

� Price : 5€

� More than 550 thousand active cards

And then?

=

9

=Sim Payment

card

And how to communicate it ?

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mWalletVodafone wallet is an application that allow you to turn your

smartphone in to digital wallet where you can add payment card,

loyalty, coupon, transport ticket and much more..

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11TRAVELPAY SHOPPING

How to be relevant in customers’ mind?

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Easy as a SIM

Promotion

Localized offersEvery day use

Mobile commerce –Italian ecosystem

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Italian ecosystem

Italian ecosystem –

MNO collaboration on third parties integration

Service

Providers

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Shared

platform

MNOs TSM-MNOs….

Identity

Management

Transportation Hub

Vertical Apps

TSM-SP

Transportation

Payment

Hub

Vertical Apps

TSM-SP

Payments

Retailing

Hub

Vertical apps/

couponing

Integrators

And in the future we will talk a lot about C.

15

Thank YOU

16 roberta.zurlo@vodafone.com

it.linkedin.com/in/robertazurlo

#rzurlo