qhuba for fontys hogescholen developments in mobile payments

Qhuba for

Great people, practical knowledge, corporate success

Great people, practical knowledge, corporate success

Smartphones are key, some usage and adoption rates

– End 2012 will see 1 billion IOS and Android devices in the market – Adoption rate excelles the PC 4 times – 40 billion apps downloaded in 2011 – Mobile browsing surpassed webbrowsing! – 53% or 3.2 mln Dutch sold mobiles where smartphones in 2011

Great people, practical knowledge, corporate success

Changing big picture!

• Fast pace channel convergence • Firm positioned payment solutions shift to flexible use cases • Leading to disruption in established markets

– 2 year old Square shipped 1 mln card readers – Extremely simplified and low cost service – Unlocking new merchanttypes and reducing cash – Now … offers remote mobile payments with Card Case – With unique customer experience for regulars – Merchant defined loyalty – Lets go Europe

• Like PayPal started in e-commerce over 10 years ago

Great people, practical knowledge, corporate success

Changing big picture!

• Customers become enabled to act how they prefer • Payments and loyalty integrate into new personalized retailexperience

• Its essential to KYC to provide the best checkout facility • We need new approaches to facilitate the customer • Stored payment data, secure elements and wallets

Great people, practical knowledge, corporate success

Changing big picture!

• Huge e-commerce and social media players go mobile

– They know their customers – Unlock customer payment data as payment service provider – Have different scale than banks – Aim to facilitate and price the conversion to buyers – Act customer centric by nature

• And mobile enters the store! • So battle to be part of the transaction is open • Partnerships multiply as everybody wants a piece of the pie • Mobile plays a central role as all have to move in this new playing field

Strong trusted brand

Starbucks hugely successful

PayPal for the commerce process

Great people, practical knowledge, corporate success

Latest developments remote

• Launched jan 2011 • 26 mln transactions to date, • $110 mln loaded • 9.000 locations US, 600 UK • Prepaid account, loyalty, eGift card • PayPal 67 mln active accounts in EU • Aims - claims to be the multichannel wallet • Leading mobile payments with 3.5$ billion • User experience, checkout, niches • 1 global platform and 300 API´s

• Partnering banks, retailers, vendors • Zong - carrier billing with 250 telco´s • Enabling 250K POS via AJB a SW upgrade • Via cards, mobile, NFC, browsers • Integrates deals and checkins • Focus on full commerce proces • But now real battle on the consumer

Visa one click buy

MasterCard Google Wallet

Great people, practical knowledge, corporate success

Latest developments the brands and mobile

• Mobile development engineV.me Wallet • Serving banks and telco´s • Leverage new processing platform • Acquisition of Fundamo (unbanked) • Acquisition of PlaySpan • Investment in Monitise, Beyond

Analysis and Square • Issued 20 mln PayWave cards

• Strategy enabling banks, telco´s • Main Google Wallet partner • From mobile banking to PayPass • mFoundry stake, the partner for

Starbucks and 500 banks • Issued 100 mln PayPass cards • 400.000 merchants enabled

Added value strategy

Social media strategy

Mobile strategy

Great people, practical knowledge, corporate success

Latest developments the brands and mobile

• Facebook opt in for personal deals • Zynga buy virtual currency with loyalty

reward points • Sometrics game and virtual currency

• Serve multi brand and channel wallet • Straight PayPal competitor • Verizon, Sprint, carrier billing • ISIS NFC • Rewards - RedLaser

• Aiming for new segments via partners • Data mining – BI, personalized • Open for Business includes e-invoicing • Assets brand, trust, cust. satisfaction! • Large international acceptance network

iDEAL Mobiel ING

Facebook

iDEAL Mobiel Rabo

Great people, practical knowledge, corporate success

Latest developments remote

• 300 mln active mobile users • Opened up Credits for app purchases and

in-app payments • Opening up Credits for non FB sites • P2P and social payments • Rabo BOL • Full rollout 2012 • Rabo integrated iDEAL in mobile banking app

• iDEAL Mobiel started dec 2011 • Focus mobile internet • ING mobile internet payment screens for all

users

Telco joint ventures

Telco giants go NFC

Google Wallet

Great people, practical knowledge, corporate success

Latest developments NFC

• Central TSM, wallet application • Providing open eco system • Sweden, Denmark, Hungary, UK • Without banks

• Telco, bank, MasterCard PayPass • Q1 2012 introduction in EU • Olympic Games • Google offers & shopping integrated • Telco support an issue

• Germany Mpass (prepaid) • From stickers to NFC and prepaid • 35 mln NFC phones sold in 2011

Spain

Germany

United Kingdom

Great people, practical knowledge, corporate success

Latest developments NFC

• 6 savingsbank signed for Visa PayWave • Landes Bank Berlin starts mobile • Prepaid NFC and direct debit • Pilot with 1.2 mln cards, 16 mln 8-2012

• 20 mln NFC cards, 75.000 terminals • Barclays, HSBC, RBS, MBNA & Amex • Oyster integrated with Barclays Card • Telco joint venture provides TSM

• Barcelona contactless PayWave • 1 mln cards, 15 K POS, 500 ATMs • Other cities and banks follow • Santander, BVBA, Bankia

Great people, practical knowledge, corporate success

direction statement

Great people, practical knowledge, corporate success