qhuba for fontys hogescholen developments in mobile payments

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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


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



• 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



• 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


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


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


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


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


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


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


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qhuba for fontys hogescholen developments in mobile payments

Economy & Finance