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[MobileMonday Switzerland #2 : Mobile payments and banking.] Dr Yves Pigneur is head of the Information systems institute of the University of Lausanne. His research is currently focused on information system design, requirement engineering, management of information technology and e-business. He conducted a study of PostFinance mobile payment project with Jan Ondrus. http://people.hec.unil.ch/ypigneur/
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10/6/08
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? why this
failure
Most research has been
focused on …
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and less on …
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Let’s take a look at !
3.3 million accounts!60% of payments market share!Innovator in retail banking in CH!Already 3 mobile payment schemes!
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Platform
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Business model !%,67*/$
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PostFinance – 3 forces!
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PostFinance – 3 forces!
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? what went
wrong
PostFinance failed to…
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What about this process in Japan?
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In summary …
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Based on findings, we propose a
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Our business model is
sustainable only with a customer
base of 20 million to 25 million.
We expect to breakeven in three
years.
Abhishek Sinha, CEO
Eko India
“
”
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To be continued: http://www.janondrus.com
