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Aug 08, 2023 780 likes •889 views

Expert Table Presentation: How to position a bank for mobile payments with the many options available? Vienna - 11 December, 2014 Kurt Schmid - NEXPERTS Directions to go CL Payment (PayPass, payWave) in ooperation Tokenisation with MNO (SIM

SLIDE 1

Expert Table Presentation: How to position a bank for mobile payments with the many options available?

Vienna - 11 December, 2014 Kurt Schmid - NEXPERTS

SLIDE 2

Directions to go

Mobile Payments

CL Payment (PayPass, payWave) in ooperation with MNO (SIM as SE) CL Payment based

n CBP / HCE

Apple Pay eCommerce Payment (MasterPass, v.ME) Companion Wallet to card / Sticker to visualise balance & trx; control and limit trx (inControl) Person to Person Payment Visa VPP / MC MoneySend / Account 2 account Personal Finance Manager Value added services around payment (loyalty, …) Tokenisation in-App purchase mPOS

SLIDE 3

The results of the Mobey Jury

2 4 6 8 10 12 14 16

Votes

SLIDE 4

NFC on SIM

– Process is complex – Security is prooven

Comments

SLIDE 5

NFC on eSE:

– Dutch bank plans to launch product in cooperation with Samsung with eSE – Spanish bank is analysing – is considered too dependant on device manufacturer – SE in Apple will motivate key Android players to put (back) eSE in phones

Comments

SLIDE 6

HCE / CBP

– Risk on Security – will do it but are not feeling comfortable – transportation cannot be supported in all markets

Comments

SLIDE 7

Companion Wallet

– is extension only

eCommerce

– future shop experience where there is no POS – checkout by mobile phone

Comments

SLIDE 8

– where is the business model – in Denmark succesfull (Danske Bank)

first mover advantage
has reached additional customers
success is : „Supersimple“

– other countries not successful

Comments

SLIDE 9

– This is the opportunity: can disrupt existing CRM, m-Marketing – Needs relevant content for consumers – Needs collaboration with partners, retailers – can be complete new revenue stream – make loyalty / couponing in the focus and payment process in background („least annoying“)

Expert Table Presentation: How to position a bank for mobile payments with the many options available?

Vienna - 11 December, 2014 Kurt Schmid - NEXPERTS

Directions to go

Mobile Payments

The results of the Mobey Jury

– Process is complex – Security is prooven

Comments

– Dutch bank plans to launch product in cooperation with Samsung with eSE – Spanish bank is analysing – is considered too dependant on device manufacturer – SE in Apple will motivate key Android players to put (back) eSE in phones

Comments

– Risk on Security – will do it but are not feeling comfortable – transportation cannot be supported in all markets

Comments

– is extension only

– future shop experience where there is no POS – checkout by mobile phone

Comments

– where is the business model – in Denmark succesfull (Danske Bank)

– other countries not successful

Comments

– This is *the* opportunity: can disrupt existing CRM, m-Marketing – Needs relevant content for consumers – Needs collaboration with partners, retailers – can be complete new revenue stream – make loyalty / couponing in the focus and payment process in background („least annoying“)

Comments

– This is the opportunity: can disrupt existing CRM, m-Marketing – Needs relevant content for consumers – Needs collaboration with partners, retailers – can be complete new revenue stream – make loyalty / couponing in the focus and payment process in background („least annoying“)