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SUMMARY
This mobile report focuses on payments that are made remotely via premium rate
SMS, WAP billing, Mobile Web, Dined-to- sudscribers' bill and direct to credit
cards. The report covers payments for both digital goods such as music, games
and ticketing as well as purchases of physical goods-often gifts, books or
consumer electronics
Qualitative industry commentary is provided through interviews with 37 senior
industry executives across vendors and service providers and the report
identifies key market drivers, trends and constraints providing a high level
of granularity of real service transaction data and demographics
This report details the latest vender solutions and new mobile payment service
offerings and provides an overview of the entire mobile payments sector
pinpointing a wide range of drivers and constraints and crucially presents
practical forecast data for mobile payments made for digital and physical
goods with transaction size, traffic and value as well as user data.
Key Questions Addressed by this Report
- What are the trends, drivers and constraints affecting the development of
the market
- How are service providers using the technologies to offer new services
- How large are typical transactions for digital and physical goods sales
via mobile devices
- Which will be the leading regions in the market
- What are the advantages and disadvantages of premium rate SMS as a payment
mechanism
- How many mobile users will pay with their mobiles over the next five years
- What is the outlook for the mobile web as a payment option
Key Benefits:
- A unique source of research and analysis for the mobile payment
marketplace including technologies, market characteristics and forecasts.
- Practical analysis of emerging opportunities for vendors & operators
Unique insights: includes interviews with leading players who have significant
experience in mobile payment markets Benefit from fresh thinking and
intelligent market assessment.
TABLE OF CONTENTS
Glossary
Executive Summary
- Introduction
- Mobile Commerce Market Trends
- Market Projections
- Recommendations
1. Mobile Commerce & Mobile Payments Market Trends
- 1.1 Introduction
- 1.2 Market Trends
- 1.2.1 Tellabs Interview
- Figure 1.1: Tellabs Mobile Backhaul Solution
- 1.2.2 Bango Interview
- Figure 1.2: Bango Analytics User Data Snapshot
- 1.3 Market Drivers and Constraints
- Figure 1.3: Mobile Payments: Summary of Market Drivers & Constraints
- 1.3.1 Drivers
- i. User Demand
- ii. Increase in ARPU
- iii. Increase in Retail Basket Size
- iv. Real Alternative to Cash
- v. First-time Access to Payments for Many in the Developing World
- vi. Lower Churn for Mobile Operators
- vii. Increase in International Money Transfers to Developing Countries
- viii. Increased Demand for Smartphones
- ix. Quicker than Cash at Point of Sale (POS)
- 1.3.2 Constraints
- i. Availability of Capable Handsets
- ii. User Experience
- iii. Lack of Clear Business Model
- iv. Resistance from Banks
- v. Lack of Global Technology Standards
- vi. Financial Regulations & Legislation
- vii. Support Issues
- viii. Transactions Costs for the Retailer
2. Mobile Payments: Market Structure
- 2.1 Introduction
- 2.2 Definition
- Figure 2.1: mCommerce Payment Process
- 2.3 Segmentation
- 2.3.1 Top level Segments
- 2.3.2 Sub-segments
- 2.4 Classification of Payment Schemes
- Table 2.1: Mobile Payment Classification
- 2.4.1 Remote Mobile Payment
- i. Mobile Phone Bill - “direct to bill” (D2B) Payment
- ii. Premium Rate SMS (PRSMS) - Digital Goods
- iii. Online - Payment for the Mobile Web & WAP Billing
- iv. SMS Payment - Mobile Wallet and Account Based Payment
- Figure 2.2: PayPal Mobile “Text To Buy”
- v. Person-to-Person (P2P) Payment
- vi. Remote Physical/ Mobile Web & WAP billing
- 2.4.2 Point of Sale Mobile Payment
- 2.5 On Deck & Off Deck
3. Remote Payments: Applications, Services & Solutions
- 3.1 Introduction
- 3.2 Applications, Services & Solutions
- 3.2.1 Premium Rate SMS (PRSMS) Payment
- i. Advantages of PRSMS Payment
- ii. Disadvantages of PRSMS Payment
- iii. Applications & Services Examples
- a. North America
- b. South America
- c. Western Europe
- d. Far East & China
- iv. Vendors
- a. mBlox
- Figure 3.1: How mBlox's PRSMS Service Works
- b. Netsize
- c. Sybase 365 Interview
- d. Telsis Interview
- 3.2.2 Mobile Phone Bill - “Direct to Bill” Payment
- i. Applications & Services Examples
- a. Cricket
- b. U.S. Cellular
- ii. Vendors
- a. BSG Clearing Solutions Interview
- Figure 3.2: BSG's Advanced Payment Gateway
- b. Valista Interview
- 3.2.3 Online - Payment for the Mobile Web & WAP Billing
- i. Applications & Services Examples
- a. Eastern Europe: GetJar Interview
- b. Western Europe: Bango Interview
- c. North America: mPoria Interview
- d. North America: Digby Interview
- ii. Vendors
- a. WIN Interview
- b. Netsize
- iii. Case Study
- a. Getjar Lithuania Interview: SMS versus One Click WAP billing
- b. PayForIT in the UK - WAP “one click” Payment
- 3.2.4 SMS Payment - Mobile Wallet & Account Based Payment
- i. Applications & Services Examples
- a. North America
- Figure 3.7: PayPal Mobile Checkout
- b. Western Europe
- c. Eastern Europe: Upaid Interview
- d. Far East & China
- e. Indian Sub Continent
- f. Africa & Middle East
- ii. Vendors
- a. Affinity Mobile Interview
- Figure 3.8: Affinity MADE Platform Enables Basic Banking
- Figure 3.9: Affinity MADE Platform Mobile Ecosystem
- b. Macalla Interview
- Figure 3.10: Macalla Platform
- c. ShopText
4. Market Forecasts: Remote Payments for Digital Goods
- 4.1 Methodology
- 4.1.1 Market Segmentation Approach
- 4.1.2 Geographical Splits
- 4.2 Market Segment Trends
- 4.2.1 Music
- 4.2.2 Adult
- 4.2.3 TV
- 4.2.4 User Generated Content
- 4.2.5 Games
- 4.2.6 Ticketing
- 4.2.7 Infotainment
- Table 4.1: Scope of Sport Leisure and Information Content and Services
- 4.3 Global Mobile Subscriber Forecast
- Figure 4.1: Global Mobile Subscriber Base (m) Regional Forecast 2007-
2013
- Table 4.2: Global Mobile Subscriber Base (m) Regional Forecast 2007- 2013
- 4.4 Global and Regional User Forecasts
- Figure 4.2: Mobile Phone Users (%) Who Make Remote mPayments for Digital
Goods Regional Forecast 2008-2013
- Table 4.3: Mobile Phone Users (%) Who Make Remote mPayments for Digital
Goods Regional Forecast 2008-2013
- Figure 4.3: Mobile Phone Users (m) Who Make Remote mPayments for Digital
Goods Regional Forecast 2008-2013
- Figure 4.4: Mobile Phone Users (%) Who Make Remote mPayments for Digital
Goods Regional Breakdown 2013
- Table 4.4: Mobile Phone Users (m) Who Make Remote mPayments for Digital
Goods Regional Forecast 2008-2013
- 4.5 Global and Regional Traffic Forecasts
- Figure 4.5: Average Number of Transactions Made per Remote mPayment User
for Digital Goods p.a. Regional Forecast 2008-2013
- Table 4.5: Average Number of Transactions Made per Remote mPayment User
for Digital Goods p.a. Regional Forecast 2008-2013
- Figure 4.6: Total Number of Remote mPayment Transactions (bn) for
Digital Goods: Regional Forecast 2008-2013
- Table 4.6: Total Number of Remote mPayment Transactions (bn) for Digital
Goods: Regional Forecast 2008-2013
- 4.6 Global and Regional Transaction Value Forecasts
- Table 4.7: Average Remote mPayment Digital Goods Transaction Size ($)
Regional Forecast 2008-2013
- Figure 4.7: Total Remote mPayment Gross Transaction Value for Digital
Goods ($bn) Regional Forecast 2008-2013
- Table 4.8: Total Remote mPayment Gross Transaction Value for Digital
Goods ($bn) Regional Forecast 2008-2013
- Figure 4.8: Remote mPayment Digital Goods Transaction Value ($) per
mPayment User p.a. Regional Forecast 2008-2013
- Table 4.9: Remote mPayment Digital Goods Transaction Value ($) per
mPayment User p.a. Regional Forecast 2008-2013
5.Market Forecasts: Remote Payments for Physical Goods
- 5.1 Methodology
- 5.2 Global Mobile Internet Subscriber Forecast
- Figure 5.1: Global Mobile Internet Subscribers by Region (% of Total
Mobile Subscribers) 2008-2013
- Table 5.1: Global Mobile Internet Subscriber Base (m) Regional Forecast
2008- 2013
- 5.3 Global and Regional User Forecasts
- Figure 5.2: Mobile Internet Users (%) Who Make Remote mPayments for
Physical Goods: Regional Forecast 2008 & 2013
- Table 5.2: Mobile Internet Users (%) Who Make Remote mPayments for
Physical Goods Regional Forecast 2008-2013
- Figure 5.3: NTT DoCoMo i-Mode Subscribers (m) 2000-May 2008
- Figure 5.4: Mobile Phone Users (m) Who Make Remote mPayments for
Physical Goods Regional Forecast 2008-2013
- Figure 5.5: Mobile Phone Users (%) Who Make Remote mPayments for
Physical Goods Regional Breakdown 2013
- Table 5.3: Mobile Phone Users (m) Who Make Remote mPayments for Physical
Goods Regional Forecast 2008-2013
- 5.4 Global and Regional Traffic Forecasts
- Figure 5.6: Average Number of Transactions Made per Remote mPayment User
for Physical Goods p.a. Regional Forecast 2008-2013
- Table 5.4: Average Number of Transactions Made per Remote mPayment User
for Physical Goods p.a. Regional Forecast 2008-2013
- Figure 5.7: Total Number of Remote mPayment Transactions (m) for
Physical Goods: Regional Forecast 2008-2013
- Table 5.5: Total Number of Remote mPayment Transactions (m) for Physical
Goods: Regional Forecast 2008-2013
- 5.5 Global and Regional Transaction Value Forecasts
- Figure 5.8: Average Remote mPayment Physical Goods Transaction Size ($)
Regional Forecast 2008-2013
- Table 5.6: Average Remote mPayment Physical Goods Transaction Size ($)
Regional Forecast 2008-2013
- Figure 5.9: Growth in Mobile Rakuten Ichiba Gross Merchandise Sales
- Figure 5.10: Total Remote mPayment Gross Transaction Value for Physical
Goods ($bn) Regional Forecast 2008-2013
- Table 5.7: Total Remote mPayment Gross Transaction Value for Physical
Goods ($bn) Regional Forecast 2008-2013
- Figure 5.11: Remote mPayment Physical Goods Transaction Value per
mPayment User p.a. ($) Regional Forecast 2008-2013
- Table 5.8: Remote mPayment Physical Goods Transaction Value per mPayment
User p. ($) Regional Forecast 2008-2013
6. Market Forecasts: Total Remote Mobile Payment Market
- 6.1 Global and Regional User Forecasts
- Figure 6.1: Remote mPayments Users (%): Regional Comparison 2008 and 2013
- Table 6.1: Remote mPayments Users (%): Regional Comparison 2008 and 2013
- 6.2 Global and Regional Traffic Forecasts
- Figure 6.2: Total Remote mPayment Transactions (bn): Regional Forecast
2008-2013
- Table 6.2: Total Remote mPayment Transactions (bn): Regional Forecast
2008-2013
- 6.3 Global and Regional Transaction Size Forecasts
- Figure 6.3: Average Remote mPayment Transaction Size ($) Regional
Forecast 2008-2013
- Table 6.3: Average Remote mPayment Transaction Size ($) Regional
Forecast 2008-2013
- 6.4 Global and Regional Transaction Value Forecasts
- Figure 6.4: Global Remote mPayment Market: Gross Transaction Value ($bn)
Regional Forecast 2008-2013
- Table 6.4: Global Remote mPayment Market: Gross Transaction Value ($bn)
Regional Forecast 2008-2013
- Figure 6.5: Global Remote mPayment Market: Gross Transaction Value (%)
Regional Comparison 2008 & 2013
- Figure 6.6: Global Personal Consumption Expenditure Comparison 2001 &
2007
7. Standards & Forums
- 7.1 Introduction
- 7.1.1 Who is Doing What?
- Table 7.1: Overview of Selected Forum Activity
- 7.2 ETSI
- 7.3 The GSM Association
- 7.3.1 Pay-Buy-Mobile
- 7.3.2 Mobile Money Transfer
- 7.3.3 Members
- 7.4 International Organisation for Standards (ISO)
- 7.5 Mobey Forum
- 7.6 Mobile Payment Forum
- 7.7 NFC Forum
- 7.8 Open Mobile Alliance (OMA)
- 7.9 EMVCo
- 7.10 Further Organisations
- Table 7.2: Selected Further Organisations
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