Download - Are mobile payments valuable?
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K R I S T I A N L U O M A , @ K L U O M A MOBEYDAY, BARCELONA, 6.10.2014
ARE MOBILE PAYMENTS
VALUABLE?
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KRISTIAN LUOMA
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33% !!
USES PIVO EVERYDAY
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ARE MOBILE PAYMENTS
VALUABLE?
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NO, MAYBE &
YES
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B A C K F R O N TM I D D L E… …ISSUER CONSUMER
ARE MOBILE PAYMENTS VALUABLE?
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PIE
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HONEY
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SELFIES
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B A C KISSUER CONSUMERF R O N TM I D D L E… …
IS THE VALUE HERE?
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COST SAVINGS?
2 5€5€
D I G I TA LP H Y S I C A L
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YOU’LL STILL MAINTAIN THE OLD SYSTEM
2 55
F O R A G O O D W H I L E
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+
MORE CARDS?
5555
M O B I L E , M O B I L E , M O B I L E , . .
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M O R E C A R D S P E R U S E R ?
5555
M O B I L E , M O B I L E , M O B I L E , . .
MORE REVENUE?
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ONE PIE
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SPENDING POWER REMAINS FLAT
1 01 0
A F T E RB E F O R E
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WITH FLAT SPENDING, EVERYTHING COSTS TOO
MUCH
R E V E N U E SC O S T S
1 0
2 55
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APPLE PIE?
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N O
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IS THE VALUE HERE?
B A C K F R O N TM I D D L E… …ISSUER CONSUMER
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TRANSACTION DATA IS HONEY
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PLATFORM FOR COMMERCE
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PROOF
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PROOF
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VA L U E O F D ATA
?TF GM O D I F I E D F R O M A R I V I L J A K A I N E N ’ S ( N E T S F I N L A N D ) S L I D E O N “ VA L U E O F T R A N S A C T I O N S ”
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T R A N S A C T I O N D A T A I S T H E P L AT F O R M T O “VALUE ADDED” S E R V I C E S
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WATCH OUT FOR THE BEES
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GIVE BEES SUGAR
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M AY B E
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B A C K F R O N TM I D D L E… …ISSUER CONSUMER
IS THE VALUE HERE?
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YES
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EVERYTHING WILL BE MOBILE
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WORLD OF ZERO COST TRANSITIONS
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CREATE VALUE TO STAY ALIVE
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SELFIES WERE KILLING FACEBOOK
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SELFIES LESSON: MOBILE IS DIFFERENT
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CONNECTING PEOPLE
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CONNECTED PEOPLE
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SELFIES
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IT FEELS BETTER
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INSTANT
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PERSONAL
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SIMPLE
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CONNECTED PEOPLE
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SELFIES LESSON
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16 BUSD
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“THE FUTURE OF PAYMENTS IS ABOUT SYNERGY, CONTEXT, ADVICE AND
BENEFITS.”
BRETT KING
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RESEARCH
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WHOEVER MAKES CONSUMER FEEL AS GOOD IN PAYMENTS
WINS
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IT’S NOT ABOUT HOW YOU PAY
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IT’S NOT ABOUT “TAP & GO”
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IT’S HOW CONNECTED IT FEELS
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INSTANT
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PERSONAL
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CONTROL
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CONTEXT
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VALUE-ADD
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THIS IS THE NEXT BIG THING IN PAYMENTS
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CONNECTED PAYMENTS
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SUPPORTS PAYMENTS
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.. AND FEELS CONNECTED
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“Pivo converted my payments to euros in realtime as I was shopping in Dubai”
Customer feedback
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( O V E R 2 0 0 0 R E V I E W S , 3 0 0 . 0 0 0 + D O W N L O A D S )
SATISFACTION
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Online Banking Mobile Banking Pivo
4 x more frequent
by sessions
FREQUENCY
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F R E Q U E N C Y
Online Banking Mobile Banking Pivo
33% OPENS IT EVERYDAY
33% OPENS IT EVERYDAY
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Online Banking Mobile Banking Pivo
5 x more likely
to recommend our Bank
HAPPY CUSTOMERS
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THERE IS AMAZING VALUE IN MOBILE
PAYMENTS
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NOT THE VALUE MEASURED WITH SPREADSHEETS
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IT IS SOMETHING NEW IN THE MIDDLE
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SOMETHING NEW FACING THE CONSUMER
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DON’T LET SELFIES KILL
YOU