1. A world view… a few examples… discussion about business models Mobile PaymentsWhere are we? Society for Computers and Law, London, July 2011 Version 1, Jul-15-11 1 Please copy and distribute

2. World View 2 Please copy and distribute Version 1, Jul-15-11 Starting in the centre of the world, which is Woking, or more specifically the car park at Woking railway station

3. Four-way view 3 Please copy and distribute Version 1, Jul-15-11 Here’s one way to look at the world of mobile payments

4. Examples 4 Please copy and distribute Version 1, Jul-15-11 Examples from each quadrant that have some key lessons wrapped up inside them

5. Japan: The MacDonald’s Club 5 Please copy and distribute Version 1, Jul-15-11 1 in 8 subscribers in Japan belong to the McDonald’s club

6. Kenya: M-PESA 6 Please copy and distribute Version 1, Jul-15-11 A quarter of Kenyan GDP passes through M-PESASource: Wired UK (6/11)

7. UK: Barclaycard and Orange 7 Please copy and distribute Version 1, Jul-15-11 Cards aren’t that cool, but phones are

8. US: Square 8 Please copy and distribute Version 1, Jul-15-11 This is the window into the new payments environment

9. Business Models 9 Please copy and distribute Version 1, Jul-15-11 What are the drivers for mobile, and why are some people mad for it while others are sceptical?

10. Technology and business model 10 Please copy and distribute Version 1, Jul-15-11 “I don’t care how it works, only what it does” Network Handset UICC (and SIM application) SIM Toolkit Secure Element (SE) Single-Wire Protocol (SWP) Trusted Service Manager (TSM)

11. The big picture 11 Please copy and distribute Version 1, Jul-15-11

12. There are many, many options 12 Please copy and distribute Version 1, Jul-15-11

13. Different business models 13 Please copy and distribute Version 1, Jul-15-11 The GSMA model SE under control of mobile operator UICC SE, SWP, TSM The bank experiment SE under control of issuer SD SE, TSM The Google Wallet SE nothing to do with bank or telco

14. Many thanks 14 Please copy and distribute Version 1, Jul-15-11 For more information Please feel free to contact me Do come and visit us online