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mPayment
status
History of value exchange

1. Goods exchange
History of value exchange

1. Goods exchange
(disruption)
History of value exchange

1. Goods exchange
(disruption)
2. Metal
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic

5. Digital/mobile
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
(?)
5. Digital/mobile
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
(?)
5. Digital/mobile
History of value exchange

1. Goods exchange
(disruption)
2. Metal
(disruption)
3. Paper
(disruption)
4. Plastic
(?)
5. Digital/mobile
Lower card penetration




Higher chance for mobile to emerge
Mobile payments



Use of a wireless communication device (such as
a mobile phone) to make a purchase or other
payment related transaction
Mobile – 10-15 years ago

1. Entertainment
Mobile – 10-15 years ago

1. Entertainment
- ringtones
- logos
Mobile – 10-15 years ago

1. Entertainment
- ringtones
- logos

2. Entertainment
- ringtones
- logos
USER GROUP
10-15 years ago

1. Young
USER GROUP
10-15 years ago

1. Young

2. Very young
Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)
Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)

Physical
- with Point-of-Sale terminal (POS)
- remote (no POS available)
Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)

Physical
- with Point-of-Sale terminal (POS)
- remote (no POS available)

Type of settlement
Through operator (e.g Premium SMS)
Pre-paid wallet
Debit card enabling or credit card enabling
Types
Value
Low value (<5 €), Medium (5-25 €), High (>15 €)

Physical
- with Point-of-Sale terminal (POS)
- remote (no POS available)

Type of settlement
Through operator (e.g Premium SMS)
Pre-paid wallet
Debit card enabling or credit card enabling
MOnetize
MOnetize
MOney
MOney
MObile
MObile
3 ways

Payment

Marketing

Notifications
Monetize + Mobile <=> Mobile payment

Easy access to money

Deffered payment

Impulse buying

Digital/real-time transaction
Reasons to grow

- enlarge target group (age/experience etc)

- add value (time saving, cost saving,
entertainment, rich info etc)

- loyalty schemes

- affordability

- trust
Case study




               Mobile ticketing
- started more than two years ago
- month to month continuous increase
- already 12% of trips are paid by mobile
Mobile app

TransportUrban.ro
(website + mobile app)

- route planner
- payment
- 6% of mobile purchases
are already made through
application
Mobile app

TransportUrban.ro
(website + mobile app)

- route planner
- payment
- 6% of mobile purchases
are already made through
application
M-enabled vending

The best example for
aggregator-approach
advantage:
- developing a special board
able to connect to different
vending protocols
- deploying a m-payment and
remote monitoring solution
- decreasing cash colection
cost
Case study
Mobile marketing

Fashion Days
- online retailer
- target: switch buyers from offline spending mood
to online action
Case study
      Notifications
Urgent Curier
HOW:
SMS notifications for delivery
Case study
     Notifications
Urgent Curier
Results:
- increased completion rate for deliveries (15%-
17%) („I am not home” problem solved)
- decreased rate of returns
- improved operational efficiency
Technical
       Integration
Silkweb
Experienced e-commerce platform

Target: Integrate SMS notifications and mobile
payments
Technical
       Integration
Silkweb
HOW
API-based integration between platform and SMS
servers

Websites: can easily integrate mobile payments +
notifications
““ The best way to predict
   The best way to predict
the future is to invent it.”
 the future is to invent it.”
       Alan Kay
        Alan Kay



                                SimPlus.ro

                                dan@simplus.ro

                                Dan Boabes
                                CEO

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P2 2 dan_boabes_ecomtim_2013_simplus

  • 2. History of value exchange 1. Goods exchange
  • 3. History of value exchange 1. Goods exchange (disruption)
  • 4. History of value exchange 1. Goods exchange (disruption) 2. Metal
  • 5. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption)
  • 6. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper
  • 7. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper (disruption)
  • 8. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper (disruption) 4. Plastic
  • 9. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper (disruption) 4. Plastic 5. Digital/mobile
  • 10. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper (disruption) 4. Plastic (?) 5. Digital/mobile
  • 11.
  • 12.
  • 13.
  • 14. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper (disruption) 4. Plastic (?) 5. Digital/mobile
  • 15. History of value exchange 1. Goods exchange (disruption) 2. Metal (disruption) 3. Paper (disruption) 4. Plastic (?) 5. Digital/mobile
  • 16. Lower card penetration Higher chance for mobile to emerge
  • 17. Mobile payments Use of a wireless communication device (such as a mobile phone) to make a purchase or other payment related transaction
  • 18. Mobile – 10-15 years ago 1. Entertainment
  • 19. Mobile – 10-15 years ago 1. Entertainment - ringtones - logos
  • 20. Mobile – 10-15 years ago 1. Entertainment - ringtones - logos 2. Entertainment - ringtones - logos
  • 21. USER GROUP 10-15 years ago 1. Young
  • 22. USER GROUP 10-15 years ago 1. Young 2. Very young
  • 23. Types Value Low value (<5 €), Medium (5-25 €), High (>15 €)
  • 24. Types Value Low value (<5 €), Medium (5-25 €), High (>15 €) Physical - with Point-of-Sale terminal (POS) - remote (no POS available)
  • 25. Types Value Low value (<5 €), Medium (5-25 €), High (>15 €) Physical - with Point-of-Sale terminal (POS) - remote (no POS available) Type of settlement Through operator (e.g Premium SMS) Pre-paid wallet Debit card enabling or credit card enabling
  • 26. Types Value Low value (<5 €), Medium (5-25 €), High (>15 €) Physical - with Point-of-Sale terminal (POS) - remote (no POS available) Type of settlement Through operator (e.g Premium SMS) Pre-paid wallet Debit card enabling or credit card enabling
  • 31. Monetize + Mobile <=> Mobile payment Easy access to money Deffered payment Impulse buying Digital/real-time transaction
  • 32. Reasons to grow - enlarge target group (age/experience etc) - add value (time saving, cost saving, entertainment, rich info etc) - loyalty schemes - affordability - trust
  • 33. Case study Mobile ticketing - started more than two years ago - month to month continuous increase - already 12% of trips are paid by mobile
  • 34. Mobile app TransportUrban.ro (website + mobile app) - route planner - payment - 6% of mobile purchases are already made through application
  • 35. Mobile app TransportUrban.ro (website + mobile app) - route planner - payment - 6% of mobile purchases are already made through application
  • 36. M-enabled vending The best example for aggregator-approach advantage: - developing a special board able to connect to different vending protocols - deploying a m-payment and remote monitoring solution - decreasing cash colection cost
  • 37. Case study Mobile marketing Fashion Days - online retailer - target: switch buyers from offline spending mood to online action
  • 38. Case study Notifications Urgent Curier HOW: SMS notifications for delivery
  • 39. Case study Notifications Urgent Curier Results: - increased completion rate for deliveries (15%- 17%) („I am not home” problem solved) - decreased rate of returns - improved operational efficiency
  • 40. Technical Integration Silkweb Experienced e-commerce platform Target: Integrate SMS notifications and mobile payments
  • 41. Technical Integration Silkweb HOW API-based integration between platform and SMS servers Websites: can easily integrate mobile payments + notifications
  • 42. ““ The best way to predict The best way to predict the future is to invent it.” the future is to invent it.” Alan Kay Alan Kay SimPlus.ro dan@simplus.ro Dan Boabes CEO