Mobile Payment Value chain and Business Models

Mobile Payment Value Chain and Business Models ,[object Object],[object Object],[object Object],[object Object],Disclaimer: Any views and/or opinions expressed in this publication by individual authors or contributors are their personal views and/or opinions and do not reflect the views and/or opinions of their employer.

Mobile Payment is not a new concept and industry is littered with failed launches of mobile payment platforms. To be successful, companies will need to find solutions to alter consumer spending habits. Concept

[object Object],[object Object],[object Object],[object Object],[object Object],Concept

Operators’ involvement Banks’ involvement Independent service provider models Low Business Model High High Low Collaborative Models Bank-Centric Models ,[object Object],[object Object],Customer->Bank->Vendors Operators Customer->ISP->Merchants Operators Customer->Mobile Operator->Merchants Banks Operator Centric Models

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Reality Check: What's in it for me?

Change = f (User’s Crisis v user’s Total Perceived Pain of Adoption) Crisis Indifference Low http://www.coburnventures.com/About_CHANGE/The_Change_Framework.html Crisis TPAA Mobile Banking Remote Purchase Point of Sale Person to Person Person to Person Point of Sale Remote Purchase Mobile Banking High Reality Check: The Change Framework

Mobile Payment Technologies ,[object Object],[object Object],[object Object],[object Object],[object Object],SMS: Cons: Biggest challenge for mobile services based on SMS system would be inter-operability between competing services and security. Pros: familiarity with SMS functionality. Over the air data connectivity: Https, SSL, web browser, XML. Security is comparable to the internet model.

http://www.mobiletransaction.org Industry Initiatives http:// www.mobilepaymentforum.org http://www.mobeyforum.org http://www.openmobilealliance.org

Mobile Payment Value chain and Business Models

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Mobile Payment Value chain and Business Models