Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

The popularity of mobile payment methods through smartphones is increasing. The amount of

mobile payment transactions is increasing at an annual rate of 40% - 60%. In 2009, there

were 73 million mobile payment users, the amount of users doubled 2011 and in 2016 these

figures will have exploded to 448 million global mobile payment users.

The ways in which this mobile revolution affects the different market in the various regions is

influenced by the internet-, banking- and mobile penetration. While unbanked developing

markets with a high mobile penetration will see mobile payments as an alternative for absent

financial services, urban smartphone user in developed regions with a high banking

penetration will be attracted to the comfort of additional services and trendy gadgets, offered

by mobile payment solutions.

Notwithstanding these regional differences, mobile users worldwide, express the greatest trust

in mobile payment solutions which are driven by financial institutions. Risk of Fraud and

cybercrime, being the greatest concern of smartphone users who are interested in m-payment

solution, the perception is that banks and card schemes are most experienced in preventing

financial crime.

Introduction (1/2)

Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

Giant retailers form partnerships with card schemes and mobile operators. At the same time,

young innovators develop new m-payment methods, small start-ups, which attract

experienced investors, with a keen eye for potential success.

These innovative start-ups can become serious competition for those industry giants, who

often miss the agility and flexibility to adapt to changing trends in fluctuating markets. In

order to be successful, both industry giants and small innovative start-ups, will have to

analyze the shift in local payment landscapes in terms of the needs, concerns and

expectations of both urban and rural consumers within the different regions.

The Mobile Payment landscape is shifting. This White Paper explores regional

developments, local preferences, trends and technological innovations which are as

challenging as they are promising for those stakeholders who grab the momentum.

Introduction (2/2)

Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

1 Management summary 2

2 Mobile Payment is The Future 3

2.1. The Mobile Revolution 3

2.2. The Public Appeal 6

2.3. The Challenges 8

3 Risk Management and Compliance 14

4 Global mobile Payment Landscape 16

4.1. Regional trends 16

4.1.1. APAC 16

4.1.2. EUROPE 19

4.1.3. LATAM 21

4.1.4. MEA 22

4.1.5. U SA & CANADA 24

5 A battle between David and Goliath 27

6 Mobile Payment: Methods and Technologies 30

6.1. Stealth mobile Payments Start-Ups 33

6.2. Time to Market (TTM) 35

6.3. Looking in the Crystal Ball; Future Payment Solutions 36

7 About the publisher 40

7.1. About Payvision 40

Table of Content

Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

Thank you for showing your interest in our White

Paper. We welcome you to download the White

Paper from our website.

Please visit:

http://www.payvision.com/report-mobile-

payment-innovation-future-cash

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Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

Founded in 2002 by Rudolf Booker, Payvision

is a fast growing, independent Payment

Solution Provider specialized in Global Card

Payments for the e-Commerce market. Payvision

offers Acquiring Banks, Agents, Payment

Service Providers, ISO, MSPs and their

Merchants a secure PCI-DSS Compliant, PSD

Licensed International Payment Processing

Network enhanced with innovative technology.

Over the past decade, Payvision has consistently

expanded its geographical footprint

across the continents, resulting in vast knowledge

and insight in the complexity of Card

Payments and e-commerce, in a global market

subject to great challenges such as unprecedented

technological innovation, changing

business needs and an increasingly demanding

regulatory landscape.

About Payvision

Mobile Payments: a Shifting landscape - A Future in which Cash is Mobile

Offices

New York | Amsterdam |

Madrid | Singapore |

Hong Kong | Macau |

UK | Japan | Utah |

Düsseldorf | Paris |

www.payvision.com