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1. Everywhere Mobile is re-writing all the rules Bob Egan – CEO, Sepharim Group bob@sepharim.com +1 508-289-1001
2. Sepharim Group Connected Intelligence Sepharim Group is a boutique research and advisory that firm that is focused on mobility and its related eco-system. Mobility is creating seismic shifts about how consumers interact and transact with each other, their banks and retailers and how people live, work and play. Our team helps executives gain the needed insights to make critical product and business decisions with the objective of creating tomorrow’s advantage, today. WWW.SEPHARIMGROUP.COM
9. Near Free Platforms Low Cost Components High Speed, Ubiquitous Access = Perfect Storm?
10. As digital economy migrates from the web to mobile, the next major growth hormone will be driven by anticipating the needs of the consumer. mobile first web first Deterministic Anticipative
13. The jungle of connectivity options must be made transparent to the consumer but visible to the supplier What should I do? Who should care? How can I monetize? Source: NFC Forum
14. Yesterday’s richest mobile companies have become the poorest … while unknowns become the new rich Will incumbent FSI’s suffer a similar fate?
42. Mobile Payments are an Attack on Cash and Checks Mobile has the potential to impact $163 billion of the cash market Mobile has the potential to impact $55 billion of the check market $1.1 Trillion $1.5 Trillion $3 Trillion
43. 20 CAGR= 50% CAGR = 18% CAGR = 9% Cash-to-Card Migration in the General Consumer Population While New Consumers Bypass Cash Global Payments Transaction Volume (In billions of transactions)
52. In 2011 mobile commerce will be big on noise yet tiny on transaction volumes. Source: mFoundry, industry sources, Sepharim Group
53. 24 Mobile Payments Pave the Way for Niche to Mainstream Play Cost to upgrade vs. revenue boost and lower cash handling costs ConvenienceCostSafetyAccess Merchant Consumer Increased ARPU from fees and lower churn Mobile Payments Mobile Operator Handset Manufacturer Need-based handset sales Card Association Financial Institution Additional interchange revenue and maintaining brand relevance New customer acquisition and protection of payments business
54. Will ownership and control be at odds? Location Video Search Intelligence Cloud Voice Photo Text Micro-blogging Connectivity eMerchants Distribution Cloud Banks Transaction Cloud Mobile Operators Retailers “the new network”
As Mark mentioned all the Wall Street forecast that Google main source of revenue (and profit) is likely to continue to come from Ads.While we continue to see the ad sector spend growing online, mobile presents a seismic shift in the opportunities for retail consumer reach out. And Google wants to dominate at the core, just as it has online.Mobile presents both perils and opportunities for anyone in the advertising and retail sector.The opportunities presented is a completely new and gigantic new direct channel. The issues are that injection of advertising must be presented to consumers only for those ads that are contextual and relevant.To make this happen, its my opinion that Google is beginning to shift its investment thesis from “online” first to mobile first. The better it combines technology and relevance in the mobile channel translates to more efficiencies in other online channels – desktop/tablets, tv’s etc.Google is compelled to create an ecosystem that minds the most raw data from handsets directly and through carriers. Google’s negotiating currency is data – and this is why it forego’s revenue from andriod apps whether in its direct to consumer or carrier stores
With new innovation come new complexities and responsibilities.Mobile management and security suites will provide a basis for enterprises to manage new business risks that arise. These risks include – asset risk, reputational risk, compliance risk, and the ability to attact and retain great talent.As employee’s are either given company owned mobile devices, or allowed to connect their own mobile devices, establishing an enforcing what data can be accessed and from where is key. A starting point for enterprises is do an inventory about what devices and what applications already access their networks and services. Read/write access to systems may be granted when an employee is home, and within a grade of secure wifi network deemed ok by the enterprise. But only read privileges may be the more prudent scheme when an employee devices wakes up on a public wifi network in an airport or starbucks. Equally when employee’s leave the company company data should be removed and access privileges should be revoked. Cite my own example.
Top headline: In 2011Big players, big influence, big customer control ego’s all at play here.Today, Google’s store operators much differently than Apple. Google takes no revenue from its store. And It negotiate storefonts with carriers for access to real time handset data – remember for google its all about consumer behavior and how to make money from that. Operators do something like a 70/30 split with app devs.Consumers making retail POS purchases via phones is big game. $4 trillion.