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K R I S T I A N L U O M A , @ K L U O M A MOBEYDAY, BARCELONA, 6.10.2014
ARE MOBILE PAYMENTS
VALUABLE?
KRISTIAN LUOMA
33% !!
USES PIVO EVERYDAY
ARE MOBILE PAYMENTS
VALUABLE?
NO, MAYBE &
YES
B A C K F R O N TM I D D L E… …ISSUER CONSUMER
ARE MOBILE PAYMENTS VALUABLE?
PIE
HONEY
SELFIES
B A C KISSUER CONSUMERF R O N TM I D D L E… …
IS THE VALUE HERE?
COST SAVINGS?
2 5€5€
D I G I TA LP H Y S I C A L
YOU’LL STILL MAINTAIN THE OLD SYSTEM
2 55
F O R A G O O D W H I L E
+
MORE CARDS?
5555
M O B I L E , M O B I L E , M O B I L E , . .
M O R E C A R D S P E R U S E R ?
5555
M O B I L E , M O B I L E , M O B I L E , . .
MORE REVENUE?
ONE PIE
SPENDING POWER REMAINS FLAT
1 01 0
A F T E RB E F O R E
WITH FLAT SPENDING, EVERYTHING COSTS TOO
MUCH
R E V E N U E SC O S T S
1 0
2 55
APPLE PIE?
N O
IS THE VALUE HERE?
B A C K F R O N TM I D D L E… …ISSUER CONSUMER
TRANSACTION DATA IS HONEY
PLATFORM FOR COMMERCE
PROOF
PROOF
VA L U E O F D ATA
?TF GM O D I F I E D F R O M A R I V I L J A K A I N E N ’ S ( N E T S F I N L A N D ) S L I D E O N “ VA L U E O F T R A N S A C T I O N S ”
T R A N S A C T I O N D A T A I S T H E P L AT F O R M T O “VALUE ADDED” S E R V I C E S
WATCH OUT FOR THE BEES
GIVE BEES SUGAR
M AY B E
B A C K F R O N TM I D D L E… …ISSUER CONSUMER
IS THE VALUE HERE?
YES
EVERYTHING WILL BE MOBILE
WORLD OF ZERO COST TRANSITIONS
CREATE VALUE TO STAY ALIVE
SELFIES WERE KILLING FACEBOOK
SELFIES LESSON: MOBILE IS DIFFERENT
CONNECTING PEOPLE
CONNECTED PEOPLE
SELFIES
IT FEELS BETTER
INSTANT
PERSONAL
SIMPLE
CONNECTED PEOPLE
SELFIES LESSON
16 BUSD
“THE FUTURE OF PAYMENTS IS ABOUT SYNERGY, CONTEXT, ADVICE AND
BENEFITS.”
BRETT KING
RESEARCH
WHOEVER MAKES CONSUMER FEEL AS GOOD IN PAYMENTS
WINS
IT’S NOT ABOUT HOW YOU PAY
IT’S NOT ABOUT “TAP & GO”
IT’S HOW CONNECTED IT FEELS
INSTANT
PERSONAL
CONTROL
CONTEXT
VALUE-ADD
THIS IS THE NEXT BIG THING IN PAYMENTS
CONNECTED PAYMENTS
SUPPORTS PAYMENTS
.. AND FEELS CONNECTED
“Pivo converted my payments to euros in realtime as I was shopping in Dubai”
Customer feedback
( O V E R 2 0 0 0 R E V I E W S , 3 0 0 . 0 0 0 + D O W N L O A D S )
SATISFACTION
Online Banking Mobile Banking Pivo
4 x more frequent
by sessions
FREQUENCY
F R E Q U E N C Y
Online Banking Mobile Banking Pivo
33% OPENS IT EVERYDAY
33% OPENS IT EVERYDAY
Online Banking Mobile Banking Pivo
5 x more likely
to recommend our Bank
HAPPY CUSTOMERS
THERE IS AMAZING VALUE IN MOBILE
PAYMENTS
NOT THE VALUE MEASURED WITH SPREADSHEETS
IT IS SOMETHING NEW IN THE MIDDLE
SOMETHING NEW FACING THE CONSUMER
DON’T LET SELFIES KILL
YOU
