How to pay for news?

19 MARCH 2009 VRIJE UNIVERSITEIT BRUSSEL PA¥ING FOR N€W$ INTERACTIVE WORKSHOP ON FLEMISH E-PUBLISHING TRENDS

AGENDA ,[object Object],[object Object]

Valérie-Anne Bleyen - Leo Van Hove 19 March 2009 Vrije Universiteit Brussel SESSION 1: HOW TO PA¥ FOR N€W$ ?

INTRO: WHY PAYMENT INSTRUMENTS? ,[object Object],[object Object],[object Object],[object Object]

AGENDA ,[object Object],[object Object],[object Object],[object Object]

I. CLASSIFYING PI S : A MATRYOSHKA APPROACH A whole range of criteria can be deployed to classify PI S : ,[object Object],[object Object],[object Object],guaranteed vs. non-guaranteed Risk ... ... pre-paid, pay-now, post-paid Moment in time of settlement from the payer’s perspective bank, credit card co, telephone co, software co, etc. Type of intermediary involved in the settlement micro vs. macro Payment size e/m-commerce, POS, etc. Usage context national vs. international Coverage hardware vs. software, token vs. account, server vs. client Type of account traditional vs. innovative/developed for the Internet Type of instrument

ONE OF OUR FIRST ATTEMPTS … ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

OUR MATRYOSHKA APPROACH … ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

II. EVOLUTIONS IN AVAILABLE PI S OUR SCOPE: NATIONAL NP S - WE ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],DATA COLLECTION = SELECTIVE BUT EXHAUSTIVE

THE TOP 3 OF ACCEPTED PI S OVER THE PERIOD 2006-2008

THE TOP 3 OF ACCEPTED PI S OVER THE PERIOD 2006-2008 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

THE TOP 3 OF ACCEPTED PI S OVER THE PERIOD 2006-2008 BE: - CREDIT CARDS AND CREDIT TRANSFERS STILL N° 1 - ONLINE BANKING REMAINS ACCEPTED BY ROUGHLY 90% - SMS  - DIRECT DEBITS  NL: - DIRECT DEBITS AND CREDIT TRANSFERS STILL MOST POPULAR - ONLINE BANKING REPLACED CREDIT CARDS AS N° 3 DE: - CLICKANDBUY IS N°3 ANNO 2008

II. CROSS TABLE 2006 THE BUNDLING OF ONLINE CONTENT VS. NATURE/INNOVATIVENESS OF PI S :

III. SWOT-ANALYSIS OF THE MOST PREVALENT PI S ,[object Object],[object Object],[object Object],[object Object],[object Object]

III. FOCUS IN SWOT-ANALYSIS MERCHANT (CUSTOMER) SUITABLE FOR MICRO/MACRO-PM S SECURITY CUSTOMER’S EXPERIENCE (ease of use, trust, anonymity...) REACH COST GUARANTEED PAYMENT

III. TO SUM UP...     ~ ATTRACTIVE TO CUSTOMERS  X X X X MICRO-PM S   ~   REACH X   ~ X COST   ~  X SECURITY   X  X GUARANTEED PM SMS ONLINE BANKING DIRECT DEBIT CREDIT TRANSFER CREDIT CARD

IV. CONCLUSION ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

How to pay for news?

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