The document discusses potential future directions for mobile payments in terms of people, culture, and technology. It explores how spending patterns could create new money management behaviors and values, extending notions of community. Mobile payments may become a tool for grooming social networks and actively teaching money management skills. The document poses questions about what may happen if people come to trust mobile operators more than banks or if mobile money is used to teach life skills.

1. Inspiring
the
mobile
payment
experience:
what
next
for
people,
culture,
and
technology
Ravi
Chhatpar
Strategy
Director,
frog
Shanghai
EFMA
September
27,
2011

3. inspiration
innovaGon
begins
with
the
search
for

4. the right question
inspiraGon
begins
with
the
search
for

5. immersive
living

6. immersive
commuting

7. immersive
working

8. to
get
from
here…

9. to
here!

10. mobile payments
discovering
quesGons
about
the
future
of

11. trust
emerges
from
that
which
provides
tangible value

12. value
does
not
always
come
from
formal institutions

13. nor
from
mainstream
brands

14. value notions
spending
paIerns
create
new

15. money management behaviors
which
create
new

16. spillover
which

17. what
happens
when
people
trust
mobile
operators
more than banks?

18. extends
the
nuclear
family

19. broader
noGons
of
community

20. real-­‐world
social
networking
for
life opportunities

21. community intersection
the
nuances
of

22. social and cultural norms
community
behaviors
guided
by

23. spending behaviors
which
guide

24. mobile spending behaviors
and
create
new

25. what
happens
when
mobile
money
becomes
a
smarter
tool
to groom social networks?

26. education
the
value
of

27. education
the
pressures
of

28. ad
hoc
learning

29. when
it’s
least expected

30. teach relationships
technology
can

31. teach trust
technology
can

32. teach activism
technology
can

33. what
happens
when
the
mobile
payments
plaMorm
acGvely
teaches money management?

34. answers?
what
happened
to
the

35. © 2011 frog. All rights reserved.