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Micro payments.. the opportunities for sm es ver.final
1.
Colin White
December 2011 VicaW ©
2.
Bigger Pipe =
More Money Better Conversion = More Money More Customers = More Money More Territories = More Money VicaW ©
3.
Premium SMS
Premium Voice Online Operator Billing Paypal Credit Card App Stores Near Field Communication (NFC) VicaW ©
4.
Online games
Social networks Virtual goods Services Physical goods Information & Alerts Transport & Parking VicaW ©
5.
19 million UK households connected to Internet * Almost half via mobile data connections* 71% of 16-24 year olds* 31% of UK adult now owns a smartphone 14% of UK adult now owns an iPhone VicaW © *Office for National Statistics Internet Access 2011 ~ Ipsos MediaCT Technology Tracker 2011
6.
Simple Txt
to Buy Model Subscription Model VicaW ©
7.
1.
2. 3. 1. User clicks “Get game” 2. Pop up payment window request mobile No 5. 4. 3. Code sent via Txt 4. Code input into payment window 5. Payment complete game downloaded VicaW ©
8.
0871/2/3 cost anything between 5-10p per minute 09XX Premium rate numbers charged at any rate up to £1.50 per minute & there can be a connection charge up to £1.50 VicaW ©
9.
150 million
customers, 5 million on mobile Recognised Brand Safe secure Easy & cost effective to set up Easy access to your money Can integrate into iPhone & Androids What it costs ◦ 1.4%-3.4% plus 20p VicaW ©
10.
Critical Factors
PSMS Voice Credit Card Online Mobile Price Points Few Few & Limited Unlimited Wide & Flexible Accessibility for Ubiquitous Ubiquitous Limited to 18+ Good End User Charge Backs Low Low Expensive Low Conversion Rates High High Low Medium 2-4% with a Costs 20-50% 30-50% 20-50% transaction fee VicaW ©
11.
1000 customers with
£5 download VicaW ©
12.
US: Google launches mobile wallet May 11 UK: Orange and Barclaycard Launch 'Quick Tap' NFC Service May 11 UK Mobile Operators announce JV to deliver mobile wallet & payments Jun 11 Apple launches Easypay Nov 11 Telefónica launches a Blackberry NFC trial in Spain Nov 2011 There is technological wave sweeping across the world that will really hit the UK in 2012 VicaW ©
13.
“Mobile Payments are
reaching a tipping point in Europe: we believe that 2012 will be the year that new payment technologies such as mobile and contactless achieve mainstream consumer acceptance” Peter Ayliffe, CEO Visa Europe “The mobile transactions market in Europe alone will grow to €4Bn -€5Bn by 2013” Frost & Sullivan “Mobile payments for physical goods will exceed $170 billion worldwide by 2015. This is nearly treble the $60 billion forecast for 2011” VicaW © Juniper Research
14.
1.
Payment flexibility – give them choice 2. Get a mobile site to cater for mobile surfers 3. Check out the competition 4. Try out new ideas & keep trying 5. Review your metrics regularly 6. Test & test again your payment cycles 7. Give customer feedback priority 8. You need to innovate unceasingly VicaW ©
15.
VicaW ©
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