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Mobile Wallets are becoming more and more important services and during the following years they will be part of our everyday life. However a good service is still something that is missing from the market, competing industry players, competing technologies are making it very difficult to provide a coherent and relevant service. Mobile wallet is not about technology and is not about payment. It is the building of a complex eco-system and Hungary and the Deutsche Telekom Group is a leading provider on the Mobile Wallet field and has the ambition to build up this eco-system.
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QUALIFIER POLE POSITIONbut what about the race?
PREPARATION FOR THE NEXT ‘SEASON’
NEW PLAYERS IN THE PAYMENT WORLD
NEW TECHNOLOGIES
I.
II.
III.
WHAT HAPPENED IN THE LAST YEARS
HUNGARY IN NUMBERS
POPULATION 10M MOBILE PENETRATION 119%
1POS TERMINALS 91k PAYPASS POS 42%
1BANKCARD NR 8,86M PAYPASS CARDS 30%
1NR of card transactions 168MQ1 2014
avg amount of card payment 21 EUR
1nr of ATM cash withdrawal 53MQ1 2014
avg amount of ATM trx 175 EUR
SUCCESS PRE-REQUISITES
PaymentVAS
AGGREGATOR HUBS
HANDSETS
600K2014 1,6M2015 4,0M2016
POS/POA
NFC_Postpaid_2FF_3FF_2014jun.indd 1 25/06/14 11:02
SIM CARD (SECURE ELEMENT)
SECURE STANDARD HANDSET INDEPENDENT REPLACEABLE OTA MANAGABLE SCREEN/BATTERY OFF
GLOBAL FOOTPRINT
MNO TSM SP TSM WALLET BACK-END OTA SIM
TOO MANY APPLICATIONS
LOW DOWNLOAD RATE (4-8%)
LOW USAGE (LESS THAN 10%)
WHAT IS THE PROBLEM?
PAYMENT FOCUS
WHAT IS THE PROBLEM?
TECHNOLOGY DEPENDENCE
DO NOT FOCUS ON THE LAST CENTIMETER!
!
NFC QR BLE HCE EMBEDDED SE VOICE TONE SWIPE TAP INSERT
ONE WALLET TO RULE THEM ALL?
NOT ONE BUT ONLY A FEW
COOPERATION
BIG/SMALL DATA USAGE
MORE THAN A PAYMENT TOOL1
SUCCESFULL MOBILE WALLET
ABLE TO EXPLOIT SYNERGIESII
MARKET DRIVING PLATFORMIII
MORE THAN A PAYMENT TOOL1
SUCCESFULL MOBILE WALLET
ABLE TO EXPLOIT SYNERGIESII
MARKET DRIVING PLATFORMIII
ECOSYSTEM IS THE VALUE+1
“I BELIEVE I(T) CAN FLY”
holistic approach
customer reach
enabling platform
added value
power to penetrate
“I BELIEVE I(T) CAN FLY”
LAUNCH Q4 2014
