Mobile Payment: Operator Strategies, Opportunities and Challenges Report 2011
Mobile Payment is gaining momentum for a mass scale adoption
Mobile Payment market is entering into a rapid growth stage. Across the world, customers are embracing the technology as operators move from trials and testing phase towards commercial deployments. There has been a steady increase in the number of transactions for payment of digital and physical goods via mobiles. Our research suggests that global m-payment volumes are expected to reach $556 billion by 2016. This report quantifies mobile payments market, analyses the operator business models, key market players and their strategies.
A Range of Factors is Fuelling the Growth of the Mobile-Payments Market
Visiongain believes that the number of mobile payment customers will rise from 140 million in 2011 to 750 million by 2016. This new visiongain report examines the mobile payment landscape and establishes the best business model that operators should embrace in order to successfully monetise this technology. We present a succinct view of the mobile payment ecosystem and offer recommendations to financial institutions, banks, merchants and credit card companies to maximise their gains in this promising market.
What is Unique about this Report?
Visiongain research presents independent, unbiased analysis in detail and presented in easily digestible terms. Through key industry contacts, our primary and secondary research provides you with the very latest, accurate market data available. Visiongain analyses the global m- payments market growth and provides a detailed analysis and forecasts through to 2016.
Who needs to read this report?
- Handset Manufacturers
As the penetration of smart phones increases, new opportunities exist for handset manufactures to monetise in the mobile payments market. Apple and Google are ensuring that they gain the early movers advantage with innovative mobile payment strategies. NFC enabled phones are also on the rise, further fuelling the market.
- Mobile Network Operators (MNOs)
Mobile operators are the main stakeholders in the m- payment ecosystem. How their collaboration with banks can result in a mass scale adoption of m- payments is discussed in this report. Also discussed are various operator strategies, revenues, case studies and forecasts.
- Mobile Service Providers / Merchants
We show the impact of m- payments on merchant revenues and implementation costs.
Financial Institutions / Banks / Credit Card Companies
As customers adopt mobile payments, future of debit and credit card payments will change. Banks and financial institutions are keen on leveraging the trust of consumers and entering the mobile payments market. This report shows how banks can benefit from m- payments through case studies and business model analysis.
Mobile Payment market is entering into a rapid growth stage. Across the world, customers are embracing the technology as operators move from trials and testing phase towards commercial deployments. There has been a steady increase in the number of transactions for payment of digital and physical goods via mobiles. Our research suggests that global m-payment volumes are expected to reach $556 billion by 2016. This report quantifies mobile payments market, analyses the operator business models, key market players and their strategies.
A Range of Factors is Fuelling the Growth of the Mobile-Payments Market
Visiongain believes that the number of mobile payment customers will rise from 140 million in 2011 to 750 million by 2016. This new visiongain report examines the mobile payment landscape and establishes the best business model that operators should embrace in order to successfully monetise this technology. We present a succinct view of the mobile payment ecosystem and offer recommendations to financial institutions, banks, merchants and credit card companies to maximise their gains in this promising market.
What is Unique about this Report?
Visiongain research presents independent, unbiased analysis in detail and presented in easily digestible terms. Through key industry contacts, our primary and secondary research provides you with the very latest, accurate market data available. Visiongain analyses the global m- payments market growth and provides a detailed analysis and forecasts through to 2016.
Who needs to read this report?
- Handset Manufacturers
As the penetration of smart phones increases, new opportunities exist for handset manufactures to monetise in the mobile payments market. Apple and Google are ensuring that they gain the early movers advantage with innovative mobile payment strategies. NFC enabled phones are also on the rise, further fuelling the market.
- Mobile Network Operators (MNOs)
Mobile operators are the main stakeholders in the m- payment ecosystem. How their collaboration with banks can result in a mass scale adoption of m- payments is discussed in this report. Also discussed are various operator strategies, revenues, case studies and forecasts.
- Mobile Service Providers / Merchants
We show the impact of m- payments on merchant revenues and implementation costs.
Financial Institutions / Banks / Credit Card Companies
As customers adopt mobile payments, future of debit and credit card payments will change. Banks and financial institutions are keen on leveraging the trust of consumers and entering the mobile payments market. This report shows how banks can benefit from m- payments through case studies and business model analysis.
E. EXECUTIVE SUMMARY
E1 M- Payment
E2 Growth Potential and Revenue Generation 2016
E3 Mass Scale Adoption
E4 Potential Business Model
E5 Key Points of the Report
1. INTRODUCTION: MOBILE PAYMENTS
1.1 Introduction
1.2 M-Payments Reaching Critical Mass
1.2.1 Overview of M- Payments
1.2.2 M- Payments beyond Pilot Stage
1.3 Adoption in Asia Pacific
1.4 Merger of Finance and Technology
1.5 Current State and Size of the Market
1.6 Growth in the Market
1.7 Benefits of M- Payments
1.7.1 Benefits to Consumers
1.7.2 Benefits to Retailers
1.7.3 Benefits to Manufacturers and Developers
1.7.4 Benefits to Network Operators
1.8 What Drives the Adoption of Mobile Payments
1.8.1 Payment Choice
1.8.2 Intelligent Billing
1.8.3 Transparency and Accuracy
1.9 Challenges in the Adoption by Businesses
1.10 Security: A Major Downside
2. M- PAYMENTS VALUE CHAIN AND BUSINESS MODELS
2.1 Entities in the M-Payment Ecosystem
2.1.1 M- Payments Value Chain
2.1.2 Function of Each Entity in the M- Payment Value Chain
2.1.2.1 Merchants
2.1.2.2 Acquirers
2.1.2.3 Payment Networks
2.1.2.4 Issuers
2.1.2.5 M-Wallet / Stored Value Account (SVA)
2.2 Business Models in Practice for M- Payments
2.2.1 Carrier Dominance Business Model
2.2.1.1 Carrier Dominance Business Model Value System
2.2.1.2 Carrier Dominance Business Model Value Chain
2.2.1.3 Carrier Dominance Business Model Business Case
2.2.2 Peer to Peer Business Model
2.2.2.1 Peer to Peer Business Model Value System
2.2.2.2 Peer to Peer Business Model Value Chain
2.2.2.3 Peer to Peer Business Model Business Case
2.2.3 Bank Dominance Business Model
2.2.3.1 Bank Dominance Business Model Value System
2.2.3.2 Bank Dominance Business Model Value Chain
2.2.3.3 Bank Dominance Business Model Business Case
2.2.4 Collaboration Business Model
2.2.4.1 Collaboration Business Model Value System
2.2.4.2 Collaboration Business Model Value Chain
2.2.4.3 Collaboration Business Model Business Case
2.3 Comparison of the Four Models
2.3.1 Stakeholder Involvement Comparison
2.3.2 Risk / Reward Comparison
2.4 M- Payments Technologies
3. CASE STUDY- TELEFO'NICA, SPAIN & OTHER M- PAYMENT PLAYERS
3.1 Case Study and Interview with Telefo'nica, Spain
3.1.1 Company Profile
3.1.1.1 Latest Developments at Telefo'nica
3.1.1.2 Overview of the Telefonica Mobile Financial Services
3.1.1.3 Interview Excerpts
3.2 Direct Carrier billing
3.2.1 Zong
3.2.2 Boku (aka Paymo)
3.2.3 Payfone
3.2 App purchases (non-carrier billed)
3.2.1 Apple (itunes)
3.3 Contactless / Mobile Contactless
3.3.1 Mfoundry (m- payments product)
3.3.2 Bling Nation
3.3.3 Vivotech
3.4 P2P Transfer
3.4.1 Obopay
3.4.2 Paypal Mobile
3.4.3 Venmo
3.5 Mobile checkout
3.5.1 Verifone
3.6 M- Payments Success in China
3.6.1 Umpay
3.7 M- Payments Success in India
3.7.1 Paymate
3.8 M- Payments Success in Philippines
3.8.1 Globe GCASH
3.9 M- Payments Success in Japan
3.9.1 Mobile Suica
4. A STRATEGIC ANALYSIS OF THE CURRENT M- PAYMENT MARKET
4.1 M- Payments Market 2011-2016
4.1.1 Global Demand
4.1.2 Case Study: M- Payments in China
4.1.3 Global Adoption of M- Payments
4.2 Market Drivers
4.2.1 Consumers' Level of Trust
4.2.2 Convenience
4.2.3 Efficiency
4.3 Challenges and Consideration in Implementation of M- Payments
4.3.1 Supply-Side Technology Standardisation
4.3.2 Financial Services Drivers
4.3.3 Consumer Feedback
4.3.4 E-Payments Success
4.4 Market Restraints and Obstacles
4.4.1 Current Payment Relationships
4.4.2 Payment Scenarios
4.4.2.1 Remote Payments
4.4.2.2 Face-To-Face Payments
4.4.3 Suitability
4.4.3.1 Habit
4.4.3.2 Convenience
4.4.3.3 Price and Acceptability
4.4 Strategies in M- Payments & and Their Projections
4.4.1 Mobile Transactions as a Core Business
4.4.2 Mobile Transactions as an Add-On Service
4.4.3 Marginal or No Involvement in Mobile Payments
5. M- PAYMENT FORECASTS AND STATISTICS
5.1 M- Payment Market Analysis by Region 2011-2016
5.1.1 M- Payment Market Size by Region
5.1.2 Fastest Growing M- Payment Markets
5.1.3 Growth in Market Share 2011-2016
5.2 Africa and Middle East
5.2.1 Forecasts for M- Payments in the Region 2011-2016
5.2.2 Growth Drivers
5.2.3 Growth Analysis
5.2.4 Scenario Analysis of the Region
5.3 Asia Pacific
5.3.1 Forecasts for M- Payments in the Region 2011-2016
5.3.2 Growth Drivers
5.3.3 Growth Analysis
5.3.4 Scenario Analysis of the Region
5.4 East Europe (CEE)
5.4.1 Forecasts for M- Payments in the Region 2011-2016
5.4.2 Growth Drivers
5.4.3 Growth Analysis
5.4.4 Scenario Analysis of the Region
5.5 West Europe
5.5.1 Forecasts for M- Payments in the Region 2011-2016
5.5.2 Growth Drivers
5.5.3 Growth Analysis
5.5.4 Scenario Analysis of the Region
5.6 North America
5.6.1 Forecasts for M- Payments in the Region 2011-2016
5.6.2 Growth Drivers
5.6.3 Growth Analysis
5.6.4 Scenario Analysis of the Region
5.7 South America
5.7.1 Forecasts for M- Payments in the Region 2011-2016
5.7.2 Growth Drivers
5.7.3 Growth Analysis
5.7.4 Scenario Analysis of the Region
6. CONCLUSIONS AND RECOMMENDATIONS
6.1 Consumer Demand for Wireless Services on Handsets
6.2 M- Payment Revenue Growth
6.3 Where Will This Growth Come From?
6.4 NFC Technology- In the Lead
6.4.1 Forecast of Penetration of NFC in Mobile Communications
6.4.2 Case Study: Paypal's Mobile-To-Mobile Payment System with NFC Technology
6.5 Companies Adopting M- Payments
6.5.1 Case Study: Telenor and Mastercard in M- Payments Pilot
6.6 Opportunities for M- Payment Stakeholders
6.7 Business to Business Applications and Opportunities
6.8 Benefits and Drawbacks
6.8.1 Benefits
6.8.1.1 Consumer Benefits
6.8.1.2 Benefits to Stakeholders
6.8.2 Drawbacks / Shortcomings
6.8.2.1 Possible Shortcomings Consumers See at this Stage
6.8.2.2 Possible Shortcomings: Service Providers / Retailers
6.8.2.3 Possible Shortcomings: Mobile Network Operators
6.9 Recommendations
Appendix A: About visiongain
Appendix B: Visiongain Report Evaluation Form
E1 M- Payment
E2 Growth Potential and Revenue Generation 2016
E3 Mass Scale Adoption
E4 Potential Business Model
E5 Key Points of the Report
1. INTRODUCTION: MOBILE PAYMENTS
1.1 Introduction
1.2 M-Payments Reaching Critical Mass
1.2.1 Overview of M- Payments
1.2.2 M- Payments beyond Pilot Stage
1.3 Adoption in Asia Pacific
1.4 Merger of Finance and Technology
1.5 Current State and Size of the Market
1.6 Growth in the Market
1.7 Benefits of M- Payments
1.7.1 Benefits to Consumers
1.7.2 Benefits to Retailers
1.7.3 Benefits to Manufacturers and Developers
1.7.4 Benefits to Network Operators
1.8 What Drives the Adoption of Mobile Payments
1.8.1 Payment Choice
1.8.2 Intelligent Billing
1.8.3 Transparency and Accuracy
1.9 Challenges in the Adoption by Businesses
1.10 Security: A Major Downside
2. M- PAYMENTS VALUE CHAIN AND BUSINESS MODELS
2.1 Entities in the M-Payment Ecosystem
2.1.1 M- Payments Value Chain
2.1.2 Function of Each Entity in the M- Payment Value Chain
2.1.2.1 Merchants
2.1.2.2 Acquirers
2.1.2.3 Payment Networks
2.1.2.4 Issuers
2.1.2.5 M-Wallet / Stored Value Account (SVA)
2.2 Business Models in Practice for M- Payments
2.2.1 Carrier Dominance Business Model
2.2.1.1 Carrier Dominance Business Model Value System
2.2.1.2 Carrier Dominance Business Model Value Chain
2.2.1.3 Carrier Dominance Business Model Business Case
2.2.2 Peer to Peer Business Model
2.2.2.1 Peer to Peer Business Model Value System
2.2.2.2 Peer to Peer Business Model Value Chain
2.2.2.3 Peer to Peer Business Model Business Case
2.2.3 Bank Dominance Business Model
2.2.3.1 Bank Dominance Business Model Value System
2.2.3.2 Bank Dominance Business Model Value Chain
2.2.3.3 Bank Dominance Business Model Business Case
2.2.4 Collaboration Business Model
2.2.4.1 Collaboration Business Model Value System
2.2.4.2 Collaboration Business Model Value Chain
2.2.4.3 Collaboration Business Model Business Case
2.3 Comparison of the Four Models
2.3.1 Stakeholder Involvement Comparison
2.3.2 Risk / Reward Comparison
2.4 M- Payments Technologies
3. CASE STUDY- TELEFO'NICA, SPAIN & OTHER M- PAYMENT PLAYERS
3.1 Case Study and Interview with Telefo'nica, Spain
3.1.1 Company Profile
3.1.1.1 Latest Developments at Telefo'nica
3.1.1.2 Overview of the Telefonica Mobile Financial Services
3.1.1.3 Interview Excerpts
3.2 Direct Carrier billing
3.2.1 Zong
3.2.2 Boku (aka Paymo)
3.2.3 Payfone
3.2 App purchases (non-carrier billed)
3.2.1 Apple (itunes)
3.3 Contactless / Mobile Contactless
3.3.1 Mfoundry (m- payments product)
3.3.2 Bling Nation
3.3.3 Vivotech
3.4 P2P Transfer
3.4.1 Obopay
3.4.2 Paypal Mobile
3.4.3 Venmo
3.5 Mobile checkout
3.5.1 Verifone
3.6 M- Payments Success in China
3.6.1 Umpay
3.7 M- Payments Success in India
3.7.1 Paymate
3.8 M- Payments Success in Philippines
3.8.1 Globe GCASH
3.9 M- Payments Success in Japan
3.9.1 Mobile Suica
4. A STRATEGIC ANALYSIS OF THE CURRENT M- PAYMENT MARKET
4.1 M- Payments Market 2011-2016
4.1.1 Global Demand
4.1.2 Case Study: M- Payments in China
4.1.3 Global Adoption of M- Payments
4.2 Market Drivers
4.2.1 Consumers' Level of Trust
4.2.2 Convenience
4.2.3 Efficiency
4.3 Challenges and Consideration in Implementation of M- Payments
4.3.1 Supply-Side Technology Standardisation
4.3.2 Financial Services Drivers
4.3.3 Consumer Feedback
4.3.4 E-Payments Success
4.4 Market Restraints and Obstacles
4.4.1 Current Payment Relationships
4.4.2 Payment Scenarios
4.4.2.1 Remote Payments
4.4.2.2 Face-To-Face Payments
4.4.3 Suitability
4.4.3.1 Habit
4.4.3.2 Convenience
4.4.3.3 Price and Acceptability
4.4 Strategies in M- Payments & and Their Projections
4.4.1 Mobile Transactions as a Core Business
4.4.2 Mobile Transactions as an Add-On Service
4.4.3 Marginal or No Involvement in Mobile Payments
5. M- PAYMENT FORECASTS AND STATISTICS
5.1 M- Payment Market Analysis by Region 2011-2016
5.1.1 M- Payment Market Size by Region
5.1.2 Fastest Growing M- Payment Markets
5.1.3 Growth in Market Share 2011-2016
5.2 Africa and Middle East
5.2.1 Forecasts for M- Payments in the Region 2011-2016
5.2.2 Growth Drivers
5.2.3 Growth Analysis
5.2.4 Scenario Analysis of the Region
5.3 Asia Pacific
5.3.1 Forecasts for M- Payments in the Region 2011-2016
5.3.2 Growth Drivers
5.3.3 Growth Analysis
5.3.4 Scenario Analysis of the Region
5.4 East Europe (CEE)
5.4.1 Forecasts for M- Payments in the Region 2011-2016
5.4.2 Growth Drivers
5.4.3 Growth Analysis
5.4.4 Scenario Analysis of the Region
5.5 West Europe
5.5.1 Forecasts for M- Payments in the Region 2011-2016
5.5.2 Growth Drivers
5.5.3 Growth Analysis
5.5.4 Scenario Analysis of the Region
5.6 North America
5.6.1 Forecasts for M- Payments in the Region 2011-2016
5.6.2 Growth Drivers
5.6.3 Growth Analysis
5.6.4 Scenario Analysis of the Region
5.7 South America
5.7.1 Forecasts for M- Payments in the Region 2011-2016
5.7.2 Growth Drivers
5.7.3 Growth Analysis
5.7.4 Scenario Analysis of the Region
6. CONCLUSIONS AND RECOMMENDATIONS
6.1 Consumer Demand for Wireless Services on Handsets
6.2 M- Payment Revenue Growth
6.3 Where Will This Growth Come From?
6.4 NFC Technology- In the Lead
6.4.1 Forecast of Penetration of NFC in Mobile Communications
6.4.2 Case Study: Paypal's Mobile-To-Mobile Payment System with NFC Technology
6.5 Companies Adopting M- Payments
6.5.1 Case Study: Telenor and Mastercard in M- Payments Pilot
6.6 Opportunities for M- Payment Stakeholders
6.7 Business to Business Applications and Opportunities
6.8 Benefits and Drawbacks
6.8.1 Benefits
6.8.1.1 Consumer Benefits
6.8.1.2 Benefits to Stakeholders
6.8.2 Drawbacks / Shortcomings
6.8.2.1 Possible Shortcomings Consumers See at this Stage
6.8.2.2 Possible Shortcomings: Service Providers / Retailers
6.8.2.3 Possible Shortcomings: Mobile Network Operators
6.9 Recommendations
Appendix A: About visiongain
Appendix B: Visiongain Report Evaluation Form
LIST OF TABLES, CHARTS AND FIGURES IN THIS REPORT
Figure 1.1 Interaction between stakeholders in m-payments ecosystem
Figure 1.2 Benefits of Mobile Payments to its Stakeholders
Figure 2.1 M-Payments Value Chain
Figure 2.2 M-Payments Value Chain step by step
Figure 2.3 Increase in collaboration in m-payments business model
Figure 2.4 Carrier Dominance Model Value System
Figure 2.5 Carrier Dominance Model Value Chain
Table 2.6 Carrier Dominance Model Business Case
Figure 2.7 Peer -to- Peer Model Value System
Figure 2.8 Peer - To- Peer Model Value Chain
Table 2.9 Peer - To- Peer Model Business Case
Figure 2.10 Bank Dominance Model Value System
Figure 2.11 Bank Dominance Model Value Chain
Table 2.12 Bank Dominance Model Business Case
Figure 2.13 Collaboration Model Value System
Figure 2.14 Collaboration Model Value Chain
Table 2.15 Collaboration Model Business Case
Figure 2.16 Stakeholder Involvement Comparison
Figure 2.17 Risk / Reward Comparison for each business model
Table 2.18 M-Payment Technologies
Table 3.1 Telefo'nica, Spain Latest Developments
Table 3.2 Roll-out of M- Payments Evolutionary not Revolutionary: Telefo'nica, Spain
Table 3.3 Typical Roadblocks in a Bank- MNO Partnership / Telefo'nica - Mastercard
Table 3.4 How to Guarantee Security in M- Payment?
Table 3.5 Boku for Android supported Countries
Chart 3.6 % of people using 2D barcode mobile payment in the US
Figure 3.7 Obopay Payment System
Figure 3.8 UMPay Payment System
Chart 4.1 M- Payment Volumes 2011-2016
Chart 4.2 Mobile Subscriber Growth 2016 (Billions)
Chart 4.3 M- Payment Users Growth 2016 (Millions)
Figure 4.4 Profile of countries at different stages of m- payments adoption
Chart 4.5 Consumer levels of trust in various stakeholders
Figure 4.6 Drivers and Restraints of M- Payments
Figure 4.7 Combined Single Standard for m- payments
Figure 4.8 Financial Services Drivers
Chart 4.9 Potential for M- Payment Use
Figure 4.10 Strengths of MNOs and Banks for success of m- payments
Figure 4.11 Types of M- Payment Scenarios
Figure 4.12 Remote Payments Scenario Drivers
Figure 4.13 F2F Mobile Payments
Figure 4.14 Factors driving user uptake in F2F payments
Figure 4.15 Convenience of MPS
Figure 4.16 Factors influencing customer uptake of M- Payments
Figure 4.17 Operator Strategies in M- Payment
Figure 4.18 Revenue Stream of operator strategies
Chart 5.1 Global M-Payments Market Growth by Region 2011-2016
Chart 5.2 M- Payment Regional Market CAGR 2011-2016
Chart 5.3 M- Payments regional market share 2011
Chart 5.4 M- Payments regional market share 2016
Chart 5.5 M- Payments Africa and Middle East Growth 2011-2016
Chart 5.6 % of M- Remittance in Africa 2011
Chart 5.7 Africa and Middle East M- payments AGR and CAGR 2011-2016
Chart 5.8 M- Payments Asia Pacific Market Growth 2011-2016
Chart 5.9 Growth Rate of Asia Pacific M-Payments Market 2011-2016
Chart 5.10 East Europe M- Payments market growth 2011-2016
Chart 5.11 East Europe M- Payments growth analysis 2011-2016
Table 5.12 M- Payment Companies of West Europe
Chart 5.13 West Europe M- Payments market growth 2011-2016
Chart 5.14 West Europe M- Payments market analysis 2011-2016
Chart 5.15 North America M- Payments market growth 2011-2016
Chart 5.16 North America M- Payments market analysis 2011-2016
Chart 5.17 South America M- Payments market growth 2011-2016
Chart 5.18 South America M- Payments market analysis 2011-2016
Chart 6.1 Total Value of NFC Transactions in $bn
Chart 6.2 Wireless Services Desired on Handsets
Chart 6.3 Forecasts of NFC Enabled Handsets 2011-2016
Chart 6.4 % of NFC Enables Handsets 2011-2016
Table 6.5 Opportunities within M- Payments Market
Table 6.6 B2B Applications and Opportunities
Table 6.7 Consumer Benefits from M- Payments
Table 6.8 Benefits of M- Payments to Stakeholders
Table 6.9 M- Payment shortcomings for Consumers
Table 6.10 Possible Shortcomings: Service Providers/ Retailers
Table 6.11 Possible Shortcomings: MNOs
COMPANIES LISTED
Alliance and Leicester
Amazon
Apple
AT & T, US
Atlas Interactive
Au, China
Bango
Bank of America
Barclays
Bling Nation
Bloomberg
Boku
China Mobile
Crandy
DnB Nor
Ericsson
eBay
Facebook
First direct
Gambit
Gemalto
GfK
Globe GCASH
Google
Gopayfotit
HSBC
JPMorgan
KPMG
Lloyds TSB
MasterCard
McDonalds
mFoundry
Mi-Pay
Mobile Suica
MobiPay
Monitise
NatWest
Nokia
NTT DoCoMo
O2
Obopay
Orange
Payfone
Payforit
Paymate
Paymo
Paymotech,
PayPal
Petra Financial
PosteMobile
Qualcomm
Rabo Mobiel
RBS
RIM
Safaricom
Samsung
Sony
Sprint
Starbucks
SubWay
Suica
Sybase 365,
Symbian
T Mobile
Telecom Italia (TIM)
Telefonica, Spain
Telenor
Tyfone,
Ulster Bank
UMPay
Upaid,
Venmo
Verifone
Verizon, US
Virgin
Visa
VIVOtech
Vodafone, UK
Wells Fargo
Zong
Figure 1.1 Interaction between stakeholders in m-payments ecosystem
Figure 1.2 Benefits of Mobile Payments to its Stakeholders
Figure 2.1 M-Payments Value Chain
Figure 2.2 M-Payments Value Chain step by step
Figure 2.3 Increase in collaboration in m-payments business model
Figure 2.4 Carrier Dominance Model Value System
Figure 2.5 Carrier Dominance Model Value Chain
Table 2.6 Carrier Dominance Model Business Case
Figure 2.7 Peer -to- Peer Model Value System
Figure 2.8 Peer - To- Peer Model Value Chain
Table 2.9 Peer - To- Peer Model Business Case
Figure 2.10 Bank Dominance Model Value System
Figure 2.11 Bank Dominance Model Value Chain
Table 2.12 Bank Dominance Model Business Case
Figure 2.13 Collaboration Model Value System
Figure 2.14 Collaboration Model Value Chain
Table 2.15 Collaboration Model Business Case
Figure 2.16 Stakeholder Involvement Comparison
Figure 2.17 Risk / Reward Comparison for each business model
Table 2.18 M-Payment Technologies
Table 3.1 Telefo'nica, Spain Latest Developments
Table 3.2 Roll-out of M- Payments Evolutionary not Revolutionary: Telefo'nica, Spain
Table 3.3 Typical Roadblocks in a Bank- MNO Partnership / Telefo'nica - Mastercard
Table 3.4 How to Guarantee Security in M- Payment?
Table 3.5 Boku for Android supported Countries
Chart 3.6 % of people using 2D barcode mobile payment in the US
Figure 3.7 Obopay Payment System
Figure 3.8 UMPay Payment System
Chart 4.1 M- Payment Volumes 2011-2016
Chart 4.2 Mobile Subscriber Growth 2016 (Billions)
Chart 4.3 M- Payment Users Growth 2016 (Millions)
Figure 4.4 Profile of countries at different stages of m- payments adoption
Chart 4.5 Consumer levels of trust in various stakeholders
Figure 4.6 Drivers and Restraints of M- Payments
Figure 4.7 Combined Single Standard for m- payments
Figure 4.8 Financial Services Drivers
Chart 4.9 Potential for M- Payment Use
Figure 4.10 Strengths of MNOs and Banks for success of m- payments
Figure 4.11 Types of M- Payment Scenarios
Figure 4.12 Remote Payments Scenario Drivers
Figure 4.13 F2F Mobile Payments
Figure 4.14 Factors driving user uptake in F2F payments
Figure 4.15 Convenience of MPS
Figure 4.16 Factors influencing customer uptake of M- Payments
Figure 4.17 Operator Strategies in M- Payment
Figure 4.18 Revenue Stream of operator strategies
Chart 5.1 Global M-Payments Market Growth by Region 2011-2016
Chart 5.2 M- Payment Regional Market CAGR 2011-2016
Chart 5.3 M- Payments regional market share 2011
Chart 5.4 M- Payments regional market share 2016
Chart 5.5 M- Payments Africa and Middle East Growth 2011-2016
Chart 5.6 % of M- Remittance in Africa 2011
Chart 5.7 Africa and Middle East M- payments AGR and CAGR 2011-2016
Chart 5.8 M- Payments Asia Pacific Market Growth 2011-2016
Chart 5.9 Growth Rate of Asia Pacific M-Payments Market 2011-2016
Chart 5.10 East Europe M- Payments market growth 2011-2016
Chart 5.11 East Europe M- Payments growth analysis 2011-2016
Table 5.12 M- Payment Companies of West Europe
Chart 5.13 West Europe M- Payments market growth 2011-2016
Chart 5.14 West Europe M- Payments market analysis 2011-2016
Chart 5.15 North America M- Payments market growth 2011-2016
Chart 5.16 North America M- Payments market analysis 2011-2016
Chart 5.17 South America M- Payments market growth 2011-2016
Chart 5.18 South America M- Payments market analysis 2011-2016
Chart 6.1 Total Value of NFC Transactions in $bn
Chart 6.2 Wireless Services Desired on Handsets
Chart 6.3 Forecasts of NFC Enabled Handsets 2011-2016
Chart 6.4 % of NFC Enables Handsets 2011-2016
Table 6.5 Opportunities within M- Payments Market
Table 6.6 B2B Applications and Opportunities
Table 6.7 Consumer Benefits from M- Payments
Table 6.8 Benefits of M- Payments to Stakeholders
Table 6.9 M- Payment shortcomings for Consumers
Table 6.10 Possible Shortcomings: Service Providers/ Retailers
Table 6.11 Possible Shortcomings: MNOs
COMPANIES LISTED
Alliance and Leicester
Amazon
Apple
AT & T, US
Atlas Interactive
Au, China
Bango
Bank of America
Barclays
Bling Nation
Bloomberg
Boku
China Mobile
Crandy
DnB Nor
Ericsson
eBay
First direct
Gambit
Gemalto
GfK
Globe GCASH
Gopayfotit
HSBC
JPMorgan
KPMG
Lloyds TSB
MasterCard
McDonalds
mFoundry
Mi-Pay
Mobile Suica
MobiPay
Monitise
NatWest
Nokia
NTT DoCoMo
O2
Obopay
Orange
Payfone
Payforit
Paymate
Paymo
Paymotech,
PayPal
Petra Financial
PosteMobile
Qualcomm
Rabo Mobiel
RBS
RIM
Safaricom
Samsung
Sony
Sprint
Starbucks
SubWay
Suica
Sybase 365,
Symbian
T Mobile
Telecom Italia (TIM)
Telefonica, Spain
Telenor
Tyfone,
Ulster Bank
UMPay
Upaid,
Venmo
Verifone
Verizon, US
Virgin
Visa
VIVOtech
Vodafone, UK
Wells Fargo
Zong
