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Semelhante a Qhuba for Fontys Hogescholen developments in mobile payments
Semelhante a Qhuba for Fontys Hogescholen developments in mobile payments (20)
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Qhuba for Fontys Hogescholen developments in mobile payments
- 1. Qhuba for Great people, practical knowledge, corporate success
- 2. Great people, practical knowledge, corporate success Smartphones are key, some usage and adoption rates – End 2012 will see 1 billion IOS and Android devices in the market – Adoption rate excelles the PC 4 times – 40 billion apps downloaded in 2011 – Mobile browsing surpassed webbrowsing! – 53% or 3.2 mln Dutch sold mobiles where smartphones in 2011
- 3. Great people, practical knowledge, corporate success Changing big picture! • Fast pace channel convergence • Firm positioned payment solutions shift to flexible use cases • Leading to disruption in established markets – 2 year old Square shipped 1 mln card readers – Extremely simplified and low cost service – Unlocking new merchanttypes and reducing cash – Now … offers remote mobile payments with Card Case – With unique customer experience for regulars – Merchant defined loyalty – Lets go Europe • Like PayPal started in e-commerce over 10 years ago
- 4. Great people, practical knowledge, corporate success Changing big picture! • Customers become enabled to act how they prefer • Payments and loyalty integrate into new personalized retailexperience • Its essential to KYC to provide the best checkout facility • We need new approaches to facilitate the customer • Stored payment data, secure elements and wallets
- 5. Great people, practical knowledge, corporate success Changing big picture! • Huge e-commerce and social media players go mobile – They know their customers – Unlock customer payment data as payment service provider – Have different scale than banks – Aim to facilitate and price the conversion to buyers – Act customer centric by nature • And mobile enters the store! • So battle to be part of the transaction is open • Partnerships multiply as everybody wants a piece of the pie • Mobile plays a central role as all have to move in this new playing field
- 6. Strong trusted brand Starbucks hugely successful PayPal for the commerce process Great people, practical knowledge, corporate success Latest developments remote • Launched jan 2011 • 26 mln transactions to date, • $110 mln loaded • 9.000 locations US, 600 UK • Prepaid account, loyalty, eGift card • PayPal 67 mln active accounts in EU • Aims - claims to be the multichannel wallet • Leading mobile payments with 3.5$ billion • User experience, checkout, niches • 1 global platform and 300 API´s • Partnering banks, retailers, vendors • Zong - carrier billing with 250 telco´s • Enabling 250K POS via AJB a SW upgrade • Via cards, mobile, NFC, browsers • Integrates deals and checkins • Focus on full commerce proces • But now real battle on the consumer
- 7. Visa one click buy MasterCard Google Wallet Great people, practical knowledge, corporate success Latest developments the brands and mobile • Mobile development engineV.me Wallet • Serving banks and telco´s • Leverage new processing platform • Acquisition of Fundamo (unbanked) • Acquisition of PlaySpan • Investment in Monitise, Beyond Analysis and Square • Issued 20 mln PayWave cards • Strategy enabling banks, telco´s • Main Google Wallet partner • From mobile banking to PayPass • mFoundry stake, the partner for Starbucks and 500 banks • Issued 100 mln PayPass cards • 400.000 merchants enabled
- 8. Added value strategy Social media strategy Mobile strategy Great people, practical knowledge, corporate success Latest developments the brands and mobile • Facebook opt in for personal deals • Zynga buy virtual currency with loyalty reward points • Sometrics game and virtual currency • Serve multi brand and channel wallet • Straight PayPal competitor • Verizon, Sprint, carrier billing • ISIS NFC • Rewards - RedLaser • Aiming for new segments via partners • Data mining – BI, personalized • Open for Business includes e-invoicing • Assets brand, trust, cust. satisfaction! • Large international acceptance network
- 9. iDEAL Mobiel ING Facebook iDEAL Mobiel Rabo Great people, practical knowledge, corporate success Latest developments remote • 300 mln active mobile users • Opened up Credits for app purchases and in-app payments • Opening up Credits for non FB sites • P2P and social payments • Rabo BOL • Full rollout 2012 • Rabo integrated iDEAL in mobile banking app • iDEAL Mobiel started dec 2011 • Focus mobile internet • ING mobile internet payment screens for all users
- 10. Telco joint ventures Telco giants go NFC Google Wallet Great people, practical knowledge, corporate success Latest developments NFC • Central TSM, wallet application • Providing open eco system • Sweden, Denmark, Hungary, UK • Without banks • Telco, bank, MasterCard PayPass • Q1 2012 introduction in EU • Olympic Games • Google offers & shopping integrated • Telco support an issue • Germany Mpass (prepaid) • From stickers to NFC and prepaid • 35 mln NFC phones sold in 2011
- 11. Spain Germany United Kingdom Great people, practical knowledge, corporate success Latest developments NFC • 6 savingsbank signed for Visa PayWave • Landes Bank Berlin starts mobile • Prepaid NFC and direct debit • Pilot with 1.2 mln cards, 16 mln 8-2012 • 20 mln NFC cards, 75.000 terminals • Barclays, HSBC, RBS, MBNA & Amex • Oyster integrated with Barclays Card • Telco joint venture provides TSM • Barcelona contactless PayWave • 1 mln cards, 15 K POS, 500 ATMs • Other cities and banks follow • Santander, BVBA, Bankia
- 12. Great people, practical knowledge, corporate success direction statement Great people, practical knowledge, corporate success