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Master card mobile payment wallet
1.
Philip Yen Group Head,
Emerging Payments Asia Pacific, Middle East & Africa A World Beyond Plastic: Mobile Payments August 8, 2012 ©2011 MasterCard. Proprietary.
2.
Agenda • Types
of Mobile Payments • Developed Markets • Developing Markets • Mobile as Point of Sale Device • Observations ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 2
3.
Digitization of Money
and Payments Payments via mobile is occurring worldwide along several axes Consumer Merchant Carded Smart phone Mobile at POS Mobile NFC + Remote + P2P Card Acceptance Non Carded Mobile Money Mobile Money Make SMS Text Payments Accept SMS Text Payments ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 3
4.
Smart Phone Growth Smart
phones are now mainstream and have laid the foundation for e-commerce Numerous e-commerce and banking Dramatic growth over the past four years services are already available to consumers ■ E-commerce on mobile ■ iPhone released June 2007 Internet device ■ 85 mil smart phones sold ■ Mobile banking across Asia Pacific in 2011 AP smart phone sales expected to increase to ■ First level of interaction with physical stores 165 mil units per year by 2015 ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 4
5.
Mobile Commerce is
Developing Rapidly... 2014 Market Growth = $375bn* (2014 Actual = $664bn) Money Transfer Mobile NFC and Proximity Payment KEY DRIVERS TO SUCCESS: $42bn KEY DRIVERS TO SUCCESS: 1. Secure, simple and convenient (2014 = ~ $60bn 1. Secure, simple and convenient $48bn) 2. Easy way for cash-in/out for (2014 = $60bn) 2. Merchant and consumer adoption 3. Regulatory challenges and hurdles 3. Handsets with appropriate hardware 4. Support for multiple handsets 4. VAS e.g. personalised and real-time offers 5. Multi-currency ~ $153bn 5. Working ecosystem between all partners $120bn (2014 = $408bn) (2014 = $148bn) Commerce – Physical Goods Commerce – Digital and Virtual Goods KEY DRIVERS TO SUCCESS: KEY DRIVERS TO SUCCESS: 1. Multi-channel platform (e- and m-) 2. One-Click Payment Mandatory 1. Simple and quick experience for consumer - one click 3. Multiple settlement options - card, PayPal account, bank or 2. MNO take 25-35% margin - needs to trend down mobile operator bill 3. Settled against mobile bill, paypal or handset app stores 4. Use phone details as authentication (i.e. Number) (* Forecast volumes provided by Juniper Research a business intelligence analysis group focussed upon the communication sector) ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 5
6.
Mobile Commerce is
Developing Rapidly... Consumers spend is expanding across multiple channels. It is critical to support all access points to facilitate e-commerce PC Web: Mobile (Web & App): Mobile NFC at POS: Expecting continued growth Expecting strong growth Expecting explosive growth ($B GDV) ($B GDV) ($B GDV) 2,000 2000 2000 +9% 1678 1566 1600 1600 1500 1442 1310 1178 1200 1200 1000 800 800 707 +269% 500 400 +58% 266 400 283 171 72 110 43 15 52 2 0 0 0 2012E 2013E 2014E 2015E 2016E 2012E 2013E 2014E 2015E 2016E 2012E 2013E 2014E 2015E 2016E Source: Glenbrook, internal data/financials, Gartner April 2010, IEMR, Euromonitor, analyst reports, BCG analysis ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 6
7.
The future for
mobile payments in developed markets is… Flexible consumer app which allows consumer to: ■ High value tap and pay – Authenticated against Secure Element NFC@ POS ■ 1-click internet purchase from the phone – No re-entry of card or shipping details – Using the phone for ‘easy/strong’ authentication Mobile Browser Payments ■ 1-click internet purchase on the desktop – No re-entry of card or shipping details – Using the phone for ‘easy/strong’ authentication Desktop Internet Payments Multiple Payment Channels – One User Experience ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 7
8.
With over 30
global deployments and partnerships, we have commitment and expertise in mobile space iZettle Mobile POS commercial Deutsche Telekom, MasterCard launch in Sweden in Nov 2011 partnership on secure mobile payments Barclaycard, EE and MasterCard T-Mobile, Telenor, FHB Bank and launch the first Commercial mobile MasterCard launch MasterCard NFC deployment in the UK Mobile in Hungary Google, Citi and MasterCard introduce the Google Wallet Turkcell and MasterCard launch Cep-T Smart and MasterCard introduce Mobile Cϋzdan mobile wallet service open to Payments Gateway, an m-wallet platform banks in Turkey linking MasterCard cards Telefónica and MasterCard form JV to provide mobile payment solutions to Airtel, Standard Chartered, and MasterCard Commonwealth Bank of Australia unbanked consumers in Latin America launch first virtual payment card on and MasterCard launch NFC mobile money in Africa payments using iPhone sleeves in Australia MasterCard and StarHub teamed up to introduce wallet with credit card, prepaid, transit, and coupons in Singapore Proven Experience and ©2011 MasterCard. ADVANCING Commitment INNOVATION ADVANCING COMMERCE Proprietary and Confidential 4 5 © ©2011 MasterCardProprietary and Confidential | Page 11 2012 MasterCard Proprietary and Confidential
9.
The Not-too-Future Consumer
Experience Orders and pays for Shares Starbucks Sends funds to Pays for lunch by coffee online and offer through son’s prepaid card tapping Smartphone picks up in-store Facebook via Smartphone at MPOS device 7:45am 8:15am 11:00am 12:45pm A day in the life of MayLei, a consumer in Taipei… 8:35pm 6:30pm 5:50pm 5:45pm 2:15pm Buys movie on Checks into Carrefour Receives offer Buys online for out Buys while smart TV using on Foursquare and through of stock item at browsing PayPass wallet tap phone to pay Smartphone Sogo eMegazine ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential
10.
Wallet value proposition
for consumers for merchants A better shopping experience Simpler, Safer, Smarter Smart for my business • Fast, 1 or 2 clicks • Higher conversion rates • Safe • Consumer friendly • My funding choice • Positive ROI Did you know? for partners Did you know? • 23% of customers abandon • 62% of shoppers abandon when asked to register a site with a bad mobile • 45% of repeat customers experience and later registered multiple times at • Deepen consumer relationships return using a computer the same site • Conversion rates in the • 51% were seriously • Lower development & maintenance UK have fallen by 55% concerned about the security costs over the past five years of online shopping and online banking • Better authentication & fraud tools ©2011 MasterCard. ©2012 MasterCard December 7, 2011 ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 10 Proprietary and Confidential
11.
PayPass Wallet Video
©2011 MasterCard. August 8, 2012 ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 11
12.
MasterCard PayPass Online
/ Wallet Services ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 12
13.
Mobile Money represents
a sizable opportunity, but the market is still in its infancy Significant opportunity …demonstrated by …but the rate of exists for financial success in a few consumer adoption is inclusion via mobile… countries… still slow Global Mobile Money GDV ($ Billions) 72% CAGR Kenya 13.5 Million Users Philippines 8.5 Million Users 45% of Market 2. 1 Billion Unbanked + 130 Programs + ~50 Million ~210 Million Mobile Money Underserved consumers Mobile Money Users in 2011 Users by 20171 1 2011 Strategy assumed that 800 MMMADVANCING be gained by 2016 Users would COMMERCE ©2011 MasterCard. ADVANCING INNOVATION Proprietary and Confidential Page 13
14.
MasterCard working with
banks and MNOs on two types of solutions Connect to Companion prepaid card Card 1 Interoperability + Money in / out services Mobile Ecosystem Salaries Mobile Only 2 International Remittances Merchant Bill Pay Government Benefits MNO MNO #2 P2P #1 ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 14
15.
Mobile as Point
of Sale Example ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential
16.
Mobile at POS
meets the needs of micro-merchants and traditional merchants Retail Past + Present Retail Future ‘Merchant – Centric’ ‘Consumer – Centric’ Pull Consumer to POS Push POS to Consumer Why are merchants interested ? Micro Merchants • Convenient way to accept cards Traditional Retail • Provide new experience: catalog, inventory, order, pay • Pay online in physical store Winning Mobile Propositions ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE 1 3 4 5 Proprietary and Confidential © ©2011 MasterCardProprietary and Confidential | 2012 MasterCard Proprietary and Confidential
17.
Observations ■ Significant investments
in mobile payments will continue ■ There is still a lot of “test and learn” ■ In developed markets, building a NFC contactless acceptance infrastructure will take time ■ Basic requirements for consumers must be satisfied: safe, convenient ■ Additional value proposition will accelerate change in consumer behavior ©2011 MasterCard. ADVANCING INNOVATION ADVANCING COMMERCE Proprietary and Confidential Page 17
18.
Thank You ADVANCING INNOVATION
ADVANCING COMMERCE