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Mobile Payments Intensive

Mobile Payments Intensive

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Mobile Payments Intensive

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  1. Mobile Payments Intensive The business case for mobile payments in Europe Chris Jones eFinance and Law – 13th May 2008

  2. Some views of the mobile payments business case • “[The] objective of the banking sector is to integrate mobile payments into their portfolio [via a] positive business case” ECBS 2002 • “The … mobile payment market will grow from around 5 billion Euros in 2002 to nearly 55 billion Euros in 2006” 2002 Anon. • “There is no viable business case for mobile payments at present” Ron Karpovich, head of e-Ventures at RBS Group The past decade has seen much talk but very little action…

  3. What will make the mobile payments business case? The business case is about much more than just getting the revenue model correct

  4. How do the current offerings perform? Illustrative Samples – Fit and Breadth of Offer • Fit Criteria: • Utilise Existing Assets • Provide Openness • Incentivises All Stakeholders • Be more attractive to use • Deliver security • Reduce Time to Market • Breadth of Solution Criteria: • Peer to Peer • Business to Consumer • Remote • Proximity Fit to Success Criteria No one is delivering a mass market solution for mobile payments today that will suit Europe 4

  5. What type of business models will succeed…

  6. …and where? Patchwork of differing solutions likely to continue, with significant uncertainty over proximity peer to peer payments

  7. How will opportunities emerge in Europe? Phased development concentrating on C2B, High Value, Remote transactions first may enable a more rapid got to market approach

  8. What are the immediate opportunities for players? Some immediate opportunities – but restricted by both technology and uptake

  9. What about outside Europe? Source: CGAP The Early Experience with Branchless Banking April 2008 The war for mobile payments will not be won or lost in the Western EU. Developing countries in Eastern Europe and beyond will drive innovation and change

  10. Still slim evidence of a business case? WIZZIT Transaction Profile per Month Source: CGAP The Early Experience with Branchless Banking April 2008 Non-banks look like they may get more from mobile payments the developing world than banks – but still not a gold mine

  11. Chris Jones Director+44 (0) 20 8891 6244chris.jones@pseconsulting.com