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Copyright © 2016 Capgemini Consulting. All rights reserved.
Mobile Payments in anInternational Perspective
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Three key areas of focus today in mobile payments
2
LoyaltyEcosystem
wallets
Social messaging
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Four key drivers of change in mobile payments
RegulationsPSD2
TechnologyData analytics, NFC, Biometrics, Robotics, API
ConsumersATAWAD
CompetitionGAFA, BAT, Fintech
3
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Ecosystem wallets like Alipay are lifestyle “super apps” where customers can transact in a range of different applications
4
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Click for video (in slideshow mode)
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Alipay has experienced great success with its ecosystem wallet
5
Source: Statista
400 million
active users per month
Integration with more than
460 000 businesses &
65 financial institutions
175 million
transactions per day
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Ecosystem wallets are extending value proposition from payment services to other areas – going beyond financial services
6
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Make paymentsMobile banking
Check and write reviews
Find & book restaurants, movie tickets etc.
Book flights, hotels and trips
Social messaging/networking
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Social messaging is increasingly displacing social media as the biggest focus of consumers – and now includes payments
7
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Combined, the top four texting apps have over
3 billion users
Who sent over
90 trillion messages through 2015
The average person opens texting apps more
than 17 times a day
69%
8%
23%
77%
7%
16%
Facebook All other social Social messaging
Worldwide Europe
Source: Statista, Medium
Active users per month
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
The most popular messaging applications are also the ones with the most advanced payment and artificial intelligence features
8
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Whatsapp1000 MAU Facebook Messenger
900 MAU
800 MAU
Skype300 MAU
249 MAULINE Pay215 MAU
BBM Money100 MAU
Kakao Talk (Pay)48 MAU
Twitter (Buy)310 MAU
Snapchat/Snapcash150 DAU
300 MAU
Monthly Active Users
(in millions)
Telegram100 MAU
Messaging Payments Chatbots
Source: Statista, Bloomberg
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
https://player.vimeo.com/video/169605404?autoplay=1
Copyright © 2016 Capgemini Consulting. All rights reserved.
AI-enabled chatbots give the user a better interface for messaging payments
9
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Source: Kasisto.com
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Tencent has taken payment through social messaging one step further with its WeChatPay platform
10
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Image Source: Tech in Asia
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
The app-within-app functionality has proven to be successful for WeChatPay
11
Source: Statista, The Economist
More than 800 million
active users per month
Integration with more than
1.1 million merchants
ARPU at over $7
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Retailers try to leverage mobile payments to improve customer relationships and increase loyalty
12
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
An increasing amount of retailers offer their own payment solutions
Use QR code or integration with bank/NFC/Masterpassetc.
With one click customers can pay and have access to all the functionalities of the loyalty program
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Starbucks’ wallet creates a fast and smooth customer experience and enables a value-added loyalty program
13
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Source: Starbucks
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Starbucks’ app has been very successful with more than 10 million active users
14
LOYALTY
SOCIAL
MESSAGING
ECOSYSTEM
WALLETS
Source: Starbucks Annual Report 2015, Bloomberg
More than 10 million active
users in the U.S
6.2 million loyal gold members
22% of all Starbucks transactions
happen through the app
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
These integrated solutions are starting to gain a foothold in Europe and America…
15
Source: DN, Facebook, Tech in Asia, Joe and the Juice, Apple
LOYALTY SOCIAL MESSAGINGECOSYSTEM WALLETS
“Our focus over the next few years will be providing finance to users all over the world”
- Miranda Shek, AliPay
Facebook Messenger
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
Copyright © 2016 Capgemini Consulting. All rights reserved.
…and pose challenges as well as opportunities for Nordic mobile payment players
16
UX Design Compliance and security
Two-sided networks/platforms Innovation and Strategy
Large Scandinavian Bank
Impact assessment of key trends and themes on platform: PSD2, XS2A, Blockchain, Customer Self Service
UAE Consortium of Banks
Nationwide mobile wallet solutionA
French Banks Consortium
Wallet solution for French banks
Copyright © 2016 Capgemini Consulting. All rights reserved.Copyright © 2016 Capgemini Consulting. All rights reserved.
Jakob Bolgen BronebakkManaging Consultant
Karenslyst Allé 200278 Oslo