Embed Size (px)
DESCRIPTION
Francois Lecomte-Vagniez, associate Partner Lobary. Keynote performed at BayPay Forum in San Francisco, USA, on Dec. 10th 2012. Mobile payment tendencies in Europe.
Citation preview
Mobile Payment Tendencies in Europe
Leverage smart digital ecosystems
François Lecomte-Vagniez LOBARY
+33 6 81 49 44 94 [email protected]
www. lobary.com
@lobary
December 10th, 2012
© Lobary 2012
2 © Lobary 2012. Mobile Payment Tendencies in Europe.
Mobile… What else ?
Mobile interactions change (almost) everything in a commercial relation
3 © Lobary 2012. Mobile Payment Tendencies in Europe.
The mobile big bang
Source : Business Insider – The Future of Digital - http://read.bi/Vbludj
4 © Lobary 2012. Mobile Payment Tendencies in Europe.
Mobile Payment Overview (Gartner Group)
5 © Lobary 2012. Mobile Payment Tendencies in Europe.
Europe Payment Market
• In-shop acquisition (Visa/MC)
– Visa/MC & national schemes
– CHIP and PIN
– Offline/Online author.
– Contactless debit card (by 2015)
• Remote payment
– Payment card number
– OneClick trusted services
• Micro payment
– Appstores : Apple & Android
– MNO’s invoice debit. Ex. : SMS+
1 SEPA : Single European Payment Area
Europe market
– SEPA1 - 32 countries
– 300 M consumers
6 © Lobary 2012. Mobile Payment Tendencies in Europe.
Some Europe Mobile Payment Projects
7 © Lobary 2012. Mobile Payment Tendencies in Europe.
Mobile Payment : Outdoor experience
Store-Value Platform
Or
Direct debit (MNO invoice) Ex. : Parking fee
8 © Lobary 2012. Mobile Payment Tendencies in Europe.
Mobile Payment : in-shop experience
EMV Scheme Online/Offline transaction
Online transaction
9 © Lobary 2012. Mobile Payment Tendencies in Europe.
Mobile Payment : Anywhere
Person to Person
Mobile Point-Of-Sales
10 © Lobary 2012. Mobile Payment Tendencies in Europe.
2 main tendencies in Europe Mobile Payment
PAYMENT : Convergences Web to Physical Commerce
– Web to Shop : Buy online, carry offline
– Shop to Web : Showroom offline, purchase online.
+ MARKETING : Customer’s data monetization
– Opt-in loyalty program
– Winning instants – best deals at the right time
– Social community shares
= MORE VALUE FOR MOBILE PAYMENT USERS
11 © Lobary 2012. Mobile Payment Tendencies in Europe.
Customer’s mobile payment balance
Convenience Security
12 © Lobary 2012. Mobile Payment Tendencies in Europe.
SoLoMo
Deliver the promise
Be trusted like a friend
Catch the winning instant
Get customer’s attention
13 © Lobary 2012. Mobile Payment Tendencies in Europe.
In a nutshell
• Mobile payment to become commodity for european users
– Simple, convenient and secured enough
– Seamless bilateral processes between eCommerce and physical shops
• Some uncertainty remaining on market standards
– Massive deployments of mobile payment services.
– Will the NFC promise be delivered ?
• Digital proximity experiences change user’s paradigms
– Seamless usability on the web and in close-loop.
– Value delivered to consumers unlocks results.
Europe offers fantastic business opportunities Winning rhymes with customers massive adoption
Thank you
François Lecomte-Vagniez LOBARY SARL
+33.6.81.49.44.94
www. lobary.com
@lobary
15 © Lobary 2012. Mobile Payment Tendencies in Europe.
• Lobary value proposal
Improving customer’s experience for adverts, in-shop, travels, check-in...
Leveraging smart digital opportunities for your business.
• Smart Digital value delivered
1. Tune your vision
Prospective, market opportunities, use-cases.
2. Set-up your strategy to go
Go-to-Market, business case, turn-key solutions, ROI’s.
3. Run into ecosystems
Quick-wins, local opportunities, partnership work.
Leverage smart digital ecosystems
LOBARY is editorial partner
and PC Chair of the NFC WC
