150325_테헤란로 커피클럽_앱 애니(App Annie)

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핀테크 결재 앱 시장의 글로벌
동향 및 전망
(FinTech Payment App Market
Global Trend in 2015)
Startup Alliance Key Note
2015. 3.25
Doyle Chung (정도일 한국 지사장)

Ⓒ App Annie 2013대외비 - APP ANNIE 소유 | 배포 금지
Is Fintech Market a Big Giant?
2

세계 10개 지사에 300여명 근무
3
전 세계 10개 지사에서 급성장
$ 94M (Series D) 규모의 투자 유치 성공 기업
미국 중국 미국 글로벌 일본
NEW YORK
AMSTERDAM

App Store 분석 및 시장 데이터 1위
App Annie 제품은 상위 100위 퍼블리셔 중 90%가 사용하고 있으며*
등록된 기업 사용자는 35만명을 넘습니다.
* App Annie Store Stats를 사용하는 세계 상위 100위 퍼블리셔 기반 iOS와 Google Play의 침투율 90%(2014년 11월).4

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Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014
Global Players in Payment Apps
- 13 Payment Apps in Dec. 2014 among 100 Apps (Finance categories of GP
& iOS)

Payment App is a key mobile service
• The downloads of top 5 payment apps 31% growth year over year in the year of 2014
0
20
40
60
80
100
120
140
December 2013 December 2014
IndexedDownloads
YoY Download Growth of Top 5 Payment Apps
+30%

Payment App Service by Categories
• 1. Internet / e-commerce firms (services extended to mobile):
• 2. Native mobile payment firms (start-up, mobile focused):
• 3. Mobile carrier (could connected with direct carrier billing):
• 4. Credit card organization:
• 5. OS developer / device maker:

Messaging Platform is strong bridge
• 1. Messaging Apps which provide payment service in an individual app
Kakao Bank Wallet
LINE Pay (on Google Play)
• 2. Messaging Apps which provide payment service as a feature of the original app:
WeChat
LINE (on iOS)
Snap Chat

Traditional Banks joined Payment Apps but gained
less attention by customers
Chase QuickPay & Citi Popmoney
But:
• Their User experience are not
comparable to those made by
Internet/ mobile firms
• Typically, transactions are limited
to between customers of the
same bank only

Beyond payment apps, there are also system level
payment solutions!
Systematic solution provided better security (e.g. TouchID and On-Chip to save
credit card information) and better user experience

Or, mobile payment could be very easy, like
through SMS technology
M-PESA in Kenya started 7 years ago; It is a money transfer solution simply
based on SMS

Different origins, leading to
different functionalities focus
Online Transactions:
• to pay for online transactions for both real and virtual goods thru Apps
Paypal to pay for good on eBay
Use Apple Pay to buy in iTunes Music Store
Offline Transactions:
• to pay for offline transactions in brick and mortar stores thru Apps
Alipay to scan a QR code in a Taxi to pay for the ride
Apple Pay though NFC to pay for clothes you bought in a Zara store
(Offline ecosystem building is the key)
Peer to Peer Transactions:
• to transfer money to individuals like friends and family members thru payment Apps
Venmo to transfter money to a friend who paid the dinner for you thru Payment App
(Network effect is the key)

Payment by Functionalities
Payment App Online Transaction Offline Transaction P2P Money
Transfer
Alipay   
Paypal   
Venmo   
WeChat   
LINE Pay   
Google Wallet   
Apple Pay   
Visa QIWI Wallet   
Citi Popmoney   
Square Cash   
au Wallet   

What is the Next Step for Payment Apps?
To be a prevailing services, payment apps/ services needs to
invest in ecosystem
• Increase online points of sale
• Increase offline points of sale
• Provide alternative solutions for cash (P2P money)
• Improve user experience
• Increase availability to customers

감사합니다!
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150325_테헤란로 커피클럽_앱 애니(App Annie)

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150325_테헤란로 커피클럽_앱 애니(App Annie)