Introduction to mobile payment toon coppens - ibbt nocturne 25 oct - alcatel-lucent

Mobile Payment and Marketing

Toon Coppens

Alcatel-Lucent Mobile Wallet Service

November 2010

Twitter: @me_toon

toon.coppens@alcatel-lucent.com

2 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Contactless ski pass mobile sticker and

mobile top-up Proximity retail loyalty

Person to Person money

transfer via mobile

Mobile phone sticker as Intelligent

student card for library and

presence

Person to business money

transfer via mobile

SMS ticketing for

boat ride

Courtesy of:

3 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Consumer appeal? Every card becomes a mobile application

Real time BalanceReal time Balance

Business expenseBusiness expense

Transaction historyTransaction history

P2P transactionsP2P transactionsPersonal couponsPersonal coupons

On the fly subscriptionOn the fly subscription

4 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Consumer appeal?

Most popular use cases:

‘Buy a movie ticket without needing to wait in line’: 89%

‘Account balance & transaction check in real time’: 86%

‘use a mobile phone to scan products inside shop for price comparison’: 89%

‘Location based coupons’ and ‘Profile based coupons’: 81% and 74%

How interested are you in replacing your current wallet with a Mobile Phone as a Wallet?

Extremely interested Very interestedNeither interested nor

uninterestedVery uninterested

Extremely uninterested

26% 54% 15% 3% 2%

“All EU citizens should be able to use their mobile phone as a mobile wallet by 2015”

EC VP for the digital agenda – Neelie Kroes, May 2010

5 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Technology? Mobile phone as Swiss knife of secure mobile applications

%

•web •access

•payment

•loyalty

•communication •couponing

•advertising

•transport

Near Field Communication technology

6 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Technical solution

Proximity payment, loyalty & marketin

g

Proximity payment, loyalty & marketin

g

Person to person money

transfer

Person to person money

transfer

Remote ticketingRemote ticketing

Online micro-

payment

Online micro-

payment

Transport

Parking

Vending

Gifting

Retail fidelity

Mobile Application

Contactless

SMS

USSD

WEB

Payment gateway

Mobile Wallet Service

Mobile Wallet Service

Portfolio of payment and marketing

applications

E-store

….

MNOMNO

7 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Merchant readiness?

Source: Retail Info Systems – March 2010Source: Retail Info Systems – March 2010

Source: Retail Info Systems – March 2010Source: Retail Info Systems – March 2010

Advertising & direct marketing

Advertising & direct marketing

Customer Communicatio

n

Customer Communicatio

n

SalesSales

Customer identification, Reporting &

Analytics

Customer identification, Reporting &

Analytics

8 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Use case: Sanoma

Who?European publisher active in 13 countries, market leader in Finland, Netherlands, Belgium..Flair Mobile: MVNO

GoalsSales and sales frequency increaseIdentify PoS consumer for further sales activation

Application

Loyalty for Flair Magazine: 4 + product plusPrepaid program for Humo Magazine: pay for 10 and get 12

Channels Contactless stickers, POS GPRS reader , website

Model Closed loop, not integrated into PoS, targeted, limited in time

Services website, SMS self registration, activation

9 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

Mobile operators as financial service providers

Mobile Operators

Issuing credit cards Getting bank license / payment institution

license / e-money license

Voice Commerce and Alcatel-Lucent Mobile Wallet Service team up to accelerate adoption of mobile money

E-Money license

Mastercard/Visa acquiring license

Mastercard/Visa issuing license

10 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

The StakeholdersConclusion: exciting times ahead!

Mobile Operators

(alone or together)

Mobile Operators + Banks

Banks

Internet & hardware players

11 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 2010

12 | Touchatag |April 2010 All Rights Reserved © Alcatel-Lucent 201012 | NAR Business Development | November 2009

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