fortumo emerging markets payment index q4 2015

Emerging MarketsPayment Index: Q4 2015Report by Fortumo

The Emerging Markets Payment Index is intended to be used by digital media companies, web and game developers for benchmarking their revenue in markets with high smartphone growth and low credit card penetration.

Introduction

Emerging Markets Payment Index: Q4 2015

The Emerging Markets Payment Index focuses on countries highlighted by GfK in its global forecast of top smartphone markets for growth by value in 2015. These countries are India, Indonesia, South Africa, Brazil, Pakistan, Nigeria, Egypt and Vietnam.

Issues preventing spread of traditional banking services in growing economies (identity and reputation management, debt enforcement, informal economies) are entrenched and not getting solved any time soon. India and Vietnam have a credit card penetration below 4% and in Nigeria 99.3% of all card transactions are conducted on ATMs.

The payment index aggregates carrier billing data from various platforms (web, mobile web, feature phones, smartphones) and app stores using Fortumo carrier billing.

* - China and Bangladesh have been omitted from the index as Fortumo provides carrier billing only for Android developers in China and does not operate in Bangladesh.


http://www.prnewswire.com/news-releases/tech-devices-in-2015-emerging-markets-dominate-growth-increasing-by-10b-277550901.html

http://databank.worldbank.org/data/reports.aspx?source=1228

http://www.cbn.gov.ng/icps2013/papers/NIGERIA_PAYMENTS_SYSTEM_VISION_2020%5Bv2%5D.pdf

IndiaPopulation:

1237 millionMedian age:

25.9Phone penetration:

70.3%

Quarterly ARPPU Average Payment Size

Carrier billing ARPPUQ3 ‘15: Q4 ‘15:

Carrier billing ARPPU change QoQ:

Transaction Volume ChangeCarrier billing transaction volume change QoQ:

Carrier billing average payment sizeQ3 ‘15: Q4 ‘15:

Carrier billing payment size change QoQ:

GDP per capita:

$5,855

Credit & debit card penetration:

$2.9$3.7

+27.6%

$0.6$0.9

+50%

+16.7%

2% / 8%World Bank, 2011

* - ARPPU stands for average revenue per paying user, not to be confused with ARPU (average revenue per user). ARPPU is calculated by dividing the total money spent by users with the number of unique users who made payments.


http://databank.worldbank.org/data/reports.aspx?source=1228

PakistanPopulation:



71.6%


Carrier billing ARPPU



Carrier billing average payment size


GDP per capita:

$4,736


$2.7$4.8

+77.8%

$0.5$0.8

+60%

-10.7%

1% / 3%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


IndonesiaPopulation:



99.3%







GDP per capita:

$10,641


$6.1$5.7

-6.6%

$0.8$0.7

-12.5%

+2.3%

0% / 11%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


VietnamPopulation:



72.3%







GDP per capita:

$5,635


$3.1$2.6

-16.1%

$0.5$0.4

-20%

-13.2%

1% / 15%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


BrazilPopulation:



130.0%







GDP per capita:

$16,096


$13.3$10.5

-21%

$1.6$1.3

-18.8%

-8.9%

29% / 41%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


NigeriaPopulation:



65.7%







GDP per capita:

$6,031


$2.7$2.8

+3.7%

$0.4$0.4

0%

-11.9%

1% / 19%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


EgyptPopulation:



91.4%







GDP per capita:

$10,877


$4$4

0%

$0.5$0.4

-20%

+3.6%

1% / 5%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


South AfricaPopulation:



112.5%







GDP per capita:

$13,046


$11.9$10.6

-10.9%

$2.2$1.9

-13.6%

+3.9%

8% / 45%

Q3 ‘15: Q4 ‘15:

Q3 ‘15: Q4 ‘15:


Additional reading

Will Visa, Paypal and Digital Wallets Become Customers of Mobile Operators in 2016?

Carriers Look to OTT, Apps to Offset Losses

Carrier billing in the Nordics: 2015 market report by Fortumo

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http://www.thefastmode.com/technology-and-solution-trends/6859-will-visa-paypal-and-digital-wallets-become-customers-of-mobile-operators-in-2016

http://www.lightreading.com/mobile/services-apps-mobile/carriers-look-to-ott-apps-to-offset-losses/a/d-id/719629

https://blog.fortumo.com/carrier-billing-in-the-nordics-2015-market-report-by-fortumo/

Fortumo is a mobile payments company that enables direct carrier billing with more than 350 mobile operators in 90+ countries to over 130,000 merchants. Fortumo's payment products work across a wide range of platforms including desktop devices, smartphones, feature phones, tablets and smart TV-s. These products give consumers a simple, 1-click payment method to charge online purchases to their phone bill. For app stores, digital media companies and game developers, Fortumo provides one integration with 350 mobile operators as well as a single point of contact for settlements, reporting, support and infrastructure upgrades. Founded in 2007, Fortumo has offices in Estonia, San Francisco, Beijing, Delhi, Mumbai, Singapore and London and is backed by Intel Capital and Greycroft Partners. For more information, please visit https://fortumo.com.

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