Embed Size (px)
Citation preview
Mobile PaymentsPast, Present and Future
Felix Crisan, CTO NETOPIA
Copyright @ NETOPIA 2012
Tuesday, November 6, 12
What are Mobile Payments?
Tuesday, November 6, 12
The payment part of the [shopping] process, performed using a mobile device, regardless of the source of funds, technology used, transport and proximity between buyer and seller
Tuesday, November 6, 12
Or in a simpler (and more formal) way...
Tuesday, November 6, 12
Tuesday, November 6, 12
ProductAgent
Process
Physical
DigitalX
Tuesday, November 6, 12
Dimensions
Tuesday, November 6, 12
SourceProximityMethod
Tuesday, November 6, 12
Source=
where the money come from(e.g. card, bank account, added to
the bill)
Tuesday, November 6, 12
Proximity=
remote or in-store?
Tuesday, November 6, 12
Method=
Card Swipe? Phone Tap? Send SMS? Fill form?
Tuesday, November 6, 12
First remote transaction?
Tuesday, November 6, 12
In 1984 72 y.o. Jane Snowball
Gateshead SIS, UK
Tuesday, November 6, 12
(she had some groceries from Tesco)
Tuesday, November 6, 12
First “real” e-commerce transaction?
Tuesday, November 6, 12
(i.e. secure and using a computer)
Tuesday, November 6, 12
Aug 11th 1994$12.48 + shipping
Tuesday, November 6, 12
(back then it was a real pain they had to use
“special browsers”)
Tuesday, November 6, 12
First m-commerce transaction?
Tuesday, November 6, 12
1997, Finland
...and yes it was a Coca Cola
Tuesday, November 6, 12
It has been the year of mobile payments
Tuesday, November 6, 12
Tuesday, November 6, 12
in 2008
Tuesday, November 6, 12
Tuesday, November 6, 12
and 2009
Tuesday, November 6, 12
....and 2010, 2011, 2012
Tuesday, November 6, 12
Trip down the memory lane
Tuesday, November 6, 12
Tuesday, November 6, 12
obviously, it was not frictionless commerce
Tuesday, November 6, 12
mobile payments map today
Tuesday, November 6, 12
Source: mobilepaymentstoday.com infographic
Tuesday, November 6, 12
ok, so where’s this goin’?
Tuesday, November 6, 12
Search range was “last month”
Tuesday, November 6, 12
Tuesday, November 6, 12
Tuesday, November 6, 12
Tuesday, November 6, 12
Tuesday, November 6, 12
About NETOPIA/mobilPay• founded in 2003
• mobile marketing since 2004
• m-payments since 2005 (for digital content sold through mobo.ro)
• micro-payments since 2007
• card processing since 2009
• “Best in innovation” @ Plug and Play EXPO in 2010
• Cash payments since 2011
• Wire Transfer payments since 2012
Tuesday, November 6, 12
Sources (i.e. who to blame if figures are not accurate)
•http://news.cnet.com/E-commerce-turns-10/2100-1023_3-5304683.html•http://startupme.me/post/28118274705/m-commerce-vs-e-commerce-infographic•http://econsultancy.com/ro/blog/7810-e-commerce-infographics
Tuesday, November 6, 12
