Mobile Payments Strategies & Markets 2007-2011

发布时间：2007.7.1

内容介绍

Providing an in-depth analysis of the payment and mobile industries current and future strategies, the Mobile Payments: Strategies and Market report provides the most comprehensive regional market data obtainable to date. With a detailed forecasting suite predicting changes in the market until 2011, this report provides the complete analysis of the opportunities available for mobile operators, credit card networks, banks, vendors, handset manufacturers, chip manufacturers and hardware providers. This extensive report, containing 170 pages of detailed research and analysis, explores how NFC technology functions and the key role it will play in enabling mobile payments.

This report offers practical data for eight regions on revenue trends as well as five year projections on usage and key total revenues. This comprehensive report estimates the growth of the total number of mobile phone users who will make mobile payments as well as forecasting the amount of mPayment traffic per year. It predicts the average mPayment transaction value and gives extensive reviews of the strategy of the competing mobile payments applications and services available to the user. In addition, this report focuses on mobile payments as being a real alternative to cash and through one-to-one interviews with many of the leading companies within both the payment and mobile industries; this report evaluates the main market drivers and constraints.

Additional Information

Report Analysis

Invaluable Intelligence-for strategic & market planners focusing on the mPayments market - with detailed market sizing, forecasts, player analysis and positioning strategies.
Expert Assessment-offering valuable insight into the opportunities afforded to industry operators, vendors and manufacturers. Researched by a highly respected industry expert with 20 years in telecoms & mCommerce sectors.
Essential Reference-source for any player planning a successful future in the fast evolving mPayments market.
Extensive Coverage- providing in-depth analytical forecasts until 2011 for those developing & developed regions of particular strategic significance for future growth.

目录及图表

Glossary

Executive Summary

Introduction

Mobile Commerce Series

Sector Focus

Banks and Credit Card Network Strategies & Markets

Figure ES1: MasterCard PayPass Watch

Mobile Commerce Infrastructure Strategies & Markets

Handset Manufacturer Strategies & Markets

Retailer & Merchant Strategies & Markets

Market Projections

Mobile Operator Strategies & Markets

Figure ES2: All Mobile Phone Users (m) Regional Forecast 2007-2011

Table ES1: All Mobile Phone Users (m) Regional Forecast 2007-2011

Figure ES3: Total Remote mPayment Transaction Value ($m) Regional Forecast 2007-2011

Physical Mobile Payments

Figure ES4: Total Physical mPayment Transaction Value ($m) Regional Forecast 2007-2011

The Total Payment Opportunity

Figure ES5: Total mPayment Transaction Value ($m) Regional Forecast 2007-2011

Conclusions

1. Mobile Commerce

1.1 Introduction

1.2 Mobile Commerce Strategies & Markets

1.2.1 Introduction

1.2.3 Qpass Interview

1.3 Digital Goods

1.3.1 Bango Interview

1.3.2 Mobile Entertainment

i. Mobile Gambling

ii. Mobile Music

Figure 1.3: iTunes for your Mobile Phone

a. Ringtones

Figure 1.2: The Apple iPhone

b. Valista Interview

iii. Mobile-TV & Video

Figure 1.4: LG Mobile TV Handset

iv. Mobile Games

v. Mobile Adult Services

1.3.3 Mobile Ticketing & Coupons

1.4 Phyiscal Goods

Figure 1.5: Presenting Products at an mPoria Enabled Mobile Store

2. Mobile Payments

2.1 Introduction

2.1.1 LogicaCMG Interview

2.2 Definition

Figure 2.1: mCommerce Payment Process

2.3 Classification

Table 2.1: Mobile Payment Classification

2.3.1 Remote Mobile Payment - RMP and Account Based Payment

i. Premium Rate SMS(PSMS) - Digital Goods

ii. Mobile Phone Bill - “direct to bill”(D2B) Payment

iii. Online - Payment for the Mobile Web & WAP Billing

iv. SMS Payment - Mobile Wallet and Account Based Payment

Figure 2.2: PayPal Mobile “Text to Buy”

v. Person-to-Person (P2P) Payment

2.3.2 Physical Mobile Payment

2.4 Drivers & Constraints

Figure 2.3: Mobile Payment; Summary of Market Drivers & Constraints

2.4.1 Drivers

i. User Demand

ii. Increase in ARPU

iii. Increase in Retail Basket Size

iv. Real Alternative to Cash

v. First-time Access to Payments for Many in The Developing World

vii. Increase Demand for Smartphones

viii. Quicker than Cash at Point of Sale (POS)

2.4.2 Constraints

i. Availability of Capable Handsets

ii. User Experience

iii. Lack of Clear Business Model

iv. Resistance from Banks

v. Lack of Technology Standards

vi. Financial Regulations & Legislation Owns the Customer?

viii. Transactions Costs for the Retailer

3. Remote Mobile Payment

3.1 Introduction

3.2 Applications & Services

3.2.1 Premium Rate SMS (PSMS) Payment

i. Advantages of PSMS Payment

ii. Disadvantages of PSMS Payment

iii. Applications & Services Examples

a. North America

b. South America

c. Western Europe

d. Far East & China

iv. Vendors

a. mBlox

Figure 3.1: How mBlox' s PSMS Service Works

b. Netsize

c. Sybase 365

3.2.2 Mobile Phone Bill - “Direct to Bill”Payment

i. Applications & Services Examples

ii. Vendors

a. Valista

b. Trivnet

3.2.3 Online - Payment for the Mobile Web & WAP Billing

i. Applications & Services Examples

a. Western Europe

b. Rest of Asia Pacific

ii. Vendors

a. Upaid

b. Netsize

c. txtNation

iii. Case Study

a. PayForlt in the UK - WAP “onle click”Payment

3.2.4 SMS Payment - Mobile Wallet & Account Based Payment

i. Applications & Services Examples

a. North America

Figure 3.2: PayPal Mob

b. Western Europe

c. Eastern Europe

d. Far East & China

e. Indian Sub-Continent

f. Africa & Middle East

ii. Vendors

a. txtNation

b. Surfpin

c. ShopText

d. TxtOrder

Figure 3.3: How to Trade Using SMS

iii Case Study - Congestion Charging in London

3.2.5 Person-2-Person (P2P) Payment

i. Applications & Services Examples

a. North America

Figure 3.4: Obopay SMS P2P Service

b. Europe

c. Rest of Asia Pacific

Figure 3.5: GCash P2P Services

Table 3.1: GCash SMS Text Functions (Sample)

d. Indian Sub-Continent

e. Africa & Middle East

ii. Vendors

a. Case Study

Figure 3.6: Example of Using Mobile Recharge as a Payment Mechanism

3.3 Market Forecasts

3.3.1 Remote Based mPayment Forecasts

i. Remote Based mPayment Users

Table 3.2: Mobile Phone Users (% ) Who Make Remote M-Payments Regional Forecast 2007-2011

Figure 3.7: Mobile Phone Users (m) Who Make Remote M-Payments Regional Forecast 2007-2011

Table 3.3: Mobile Phone Users (m) who make Remote M-Payments Regional Forecast 2007-2011

i. Remote Based mPayment Traffic

Figure 3.8: Average Number of Transactions Made per Remote mPayment User Annum Regional Forecast 2007-2011

Table 3.4: Average Number of Transactions Made per Remote mPayment User Annum Regional Forecast 2007-2011

Figure 3.9: Total Number of Remote M-Payments (m) Year. Regional Forecast 2007-2011

Table 3.5: Total Number of Remote M-Payment s (m) per Year. Regional Forecast 2007-2011

ii. Remote Based M-Payment Transaction Value

Table 3.6: Average Remote M-Payment Transaction Value ($) Regional Forecast 2007-2011

Figure 3.10: Total Remote M-Payment Transaction Value ($m) Regional Forecast 2007-2011

Table 3.7: Total Remote M-Payment Transaction Value ($m) Regional Forecast 2007-2011

Figure 3.11: Average Remote M-Payment Transaction Value per mPayment User per Annum ($) Regional Forecast 2007-2011

Table 3.8: Average Remote M-Payment Transaction Value per mPayment User per Annum ($) Regional Forecast 2007-2011

4. Physical Mobile Payments

4.1 Introduction

4.2 Applications & Services

4.2.1 Text & PIN

i. Introduction

ii. Drivers

iii. Constraints

iv. Applications & Services Examples

a. Western Europe

Figure 4.1: Mobile Payment Enabled Coca-Cola Vending Machine

b. Eastern Europe

c. Rest of Asia Pacific

Figure 4.2: SMS Text Based Payment for Car Parking

Figure 4.3: TXT-a-Park™ In Operation in Wellington, New Zealand

v. Vendors

a. VeriSign

Figure 4.4: VeriSign Mobile Payments Services

b. Fronde

c. Paybox Solutions

Figure 4.5: Using M-Net to Pay at Shops/POS

4.2.2 Wave & Pay

i. Introduction

ii. Drivers

a. Speed of Transaction

b. Infrastructure Availability

c. Success Stories

iii. Constraints

a. Business Model

b. Where are the Handsets?

iv. Technology

Figure 4.6: Oyster Card Using MIFARE Technology

a. Near Field Communications (NFC)

Figure 4.7: Uses of NFC

Figure 4.8: Typical NFC Implementation

Figure 4.9: Nokia 6131

Table 4.1: NFC Forum Roadmap

b. FeliCa

Figure 4.10: Sony FeliCa IC Card and Reader/Writer

Figure 4.11: Sony FeliCa Security Features

Figure 4.12: FeliCa Networks Platform Management

Figure 4.13: Uses of FeliCa

iii. Applications & Services Examples

a. North America

Figure 4.14: MasterCard Scheme

Figure 4.15: NYC NFC Trial 2007

b. Western Europe

c. Far East & China

d. SK Telecom

Figure 4.16: SK Telecom Mobile Payment Scheme

iv. Vendors

a. Venyon

Figure 4.17: Venyon NFC OTA Service Offering

b. INSIDE

c. NXP

d. ViVO tech

Figure 4.18: NFC-enabled Nokia 3220 Making a Contactless Transaction

Figure 4.19: ViVO tech Contactless Payment Solution

4.2.4 Physical Based mPayment Forecasts

i. NFC Handset Forecast

ii. Physical Based mPayment Users

Table 4.2: Mobile Phone Users (% ) Who Make Physical Based mPayments: Regional Forecast 2007-2011

Figure 4.20: Total Mobile Phone Users (m) Who Make Physical mPayments: Regional Forecast 2007-2011

Table 4.3: Total Mobile Phone Users (m) Who Make Physical mPayments: Regional Forecast 2007-2011

iii. Physical M-Payment Traffic

Table 4.4: Average Number of Transactions Made per Physical mPayment User per Annum Regional Forecast 2007-2011

Figure 4.21: Total Number of Physical mPayment Transactions per Annum (m) Regional Forecast 2007-2011

Table 4.5: Total Number of Physical mPayment Transactions per Annum (m) Regional Forecast 2007-2011

iv. Physical Based mPayment Transaction Value

Table 4.6: Average Physical mPayment Transaction Value ($) Regional Forecast 2007-2011

Figure 4.22: Total Physical mPayment Transaction Value ($m) Regional Forecast 2007-2011

Table 4.7: Total Physical mPayment Transaction Value ($m) Regional Forecast 2007-2011

Figure 4.23: Average Physical mPayment Transaction Value per mPayment User per Annum ($) Regional Forecast 2007-2011

Table 4.8: Average Physical mPayment Transaction Value per mPayment user per annum ($) Regional Forecast 2007-2011

5. Physical Mobile Payments: Strategies & Markets

5.1 Mobile Operators

5.1.1 Introduction

5.1.2 Revenue Problems

i. Falling Voice Revenues

ii. Margin Squeeze

iii. Revenue Substitution & Cannibalisation Issues

iv. Increase in Data ARPU

5.1.3 Revenue Opportunities

i. How Do Operators Make Money Out of mPayment?

ii. Mobile Operators as Payment Provider - Taking on the Banks

iii. Co-operation in the mPayment nue Sharing

iv. An Operator-Led Payment Alternative to PSMS

5.1.4 Challenges

i. Nightmare Scenario - Operators Left Out in the Cold

5.1.5 Operator Insight

i. An Outside View from a Key Vendor: Comverse

GSM Association ‘Pay-Buy Mobile' initiative

5.2 Banks/Credit Card Networks

5.2.1 Introduction

5.2.2 Background - An End to Cash?

5.2.3 Credit Card Network Strategies and Markets

i. Visa International - Srategies & Markets

a. Providing a Platform for Mobile Payments

b. Barriers for Deployment

ii. MasterCard - Strategies & Markets

a. Proximity Payments

b. Deployments to Support mPayments

c. mPayment Market by 2010

5.2.4 Legislation

5.3 Mobile Commerce Intrastructure

5.3.1 Vendor Strategy

Figure 5.1: VeriSign mPayment Platform

5.4 Hand set Manufacturer

5.4.1 Introduction

5.4.2 Strategy & Market

i. NFC Handset Forecast

5.5 Retailers/Merchants

5.5.1 Introduction

Figure 5.2: MasterCard PayPass Terminal at Chevron Retail Outlet

5.5.2 Retailer/Merchant Payment Fees

i. Interchange Fees

5.5.3 Retailer/Merchant Requirements for Mobile Payment

5.5.4 Benefits of mPayments for Retailers

5.6 New Entrants Strategies & Markets

5.6.1 Introduction

5.6.2 Drivers

i. Retailers Unhappy With Existing Payment Fees

ii. Designing a Payment Application Specifically for a Mobile

iii. Large Market - “The Great Unbanked”

5.6.3 Constraints

5.6.4 Markets

6. Standards & forums

6.1 Introduction

6.1.1 Who is Doing What?

Table 6.1: Overview of Forum Activity

6.2 ETSI

6.2.1 Members

6.3 The GSM Association

6.3.1 Members

6.4 International Organisation for Standards (ISO )

6.4.1 Members

6.5 Mobey forum

6.5.1 Members

6.6 Mobile Payment forum

6.6.1 Members

6.7 NFC forum

6.7.1 Members

6.8 Open Mobile Alliance (OMA)

6.8.1 Members

7. Mobile Payment Forecasts

7.1 Introduction

7.1.1 mPayment Users

Table 7.1: Mobile Phone Users (% ) who Make mPayments: Regional Forecast 2007-2011

Figure 7.1: Total Mobile Phone Users (m) Who Make mPayments: Regional Forecast 2007-2011

Table 7.2: Total Mobile Phone Users (m) Who Make mPayments: Regional Forecast 2007-2011

7.1.2 mPayment Traffic

Figure 7.2: Average Number of mPayments Made per mPayments User per Annum, Regional Forecast 2007-2011

Table 7.3: Average Number of mPayments made per mPayments User per Annum Regional Forecast 2007-2011

Figure 7.3: Total Number of mPayment Transactions per Annum (m) Regional Forecast 2007-2011

Table 7.4: Total Number of mPayment Transactions per Annum (m) Regional Forecast 2007-2011

7.1.3 mPayment Transaction Value

Table 7.5: Average mPayment Transaction Value ($) Regional Forecast 2007-2011

Figure 7.4: Total mPayment Transaction Value ($m). Regional Forecast 2007-2011

Table 7.6: Total mPayment Transaction Value ($m). Regional Forecast 2007-2011

Figure 7.5: Average mPayment Transaction Value per mPayment user per Annum ($) Regional Forecast 2007-2011

Table 7.7: Average mPayment Transaction Value per mPayment User per Annum ($) Regional Forecast 2007-2011

Appendix 1: Web Addresses for Companies & Organisations Included in Report