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mPaymentstatus
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 GROUP10-15 years ago
1. Young
USER GROUP10-15 years ago
1. Young
2. Very young
TypesValue Low value (<5 €), Medium (5-25 €), High (>15 €)
TypesValue Low value (<5 €), Medium (5-25 €), High (>15 €)
Physical- with Point-of-Sale terminal (POS)- remote (no POS available)
TypesValue Low value (<5 €), Medium (5-25 €), High (>15 €)
Physical- with Point-of-Sale terminal (POS)- remote (no POS available)
Type of settlementThrough operator (e.g Premium SMS)Pre-paid walletDebit card enabling or credit card enabling
TypesValue Low value (<5 €), Medium (5-25 €), High (>15 €)
Physical- with Point-of-Sale terminal (POS)- remote (no POS available)
Type of settlementThrough operator (e.g Premium SMS)Pre-paid walletDebit card enabling or credit card enabling
MOnetizeMOnetize
MOneyMOney
MObileMObile
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 studyMobile marketing
Fashion Days- online retailer- target: switch buyers from offline spending mood to online action
Case studyNotifications
Urgent CurierHOW: SMS notifications for delivery
Case studyNotifications
Urgent CurierResults: - increased completion rate for deliveries (15%-17%) („I am not home” problem solved)- decreased rate of returns- improved operational efficiency
Technical Integration
SilkwebExperienced e-commerce platform
Target: Integrate SMS notifications and mobile payments
Technical Integration
SilkwebHOWAPI-based integration between platform and SMS servers
Websites: can easily integrate mobile payments + notifications
SimPlus.ro
dan@simplus.ro
Dan BoabesCEO
“ The best way to predict the future is to invent it.”
Alan Kay
“ The best way to predict the future is to invent it.”
Alan Kay
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