Table of Contents

Table of contents

Ovum view

Key messages

Mobile payments: near the inflection point?

A transition is underway

Market segmentation

Changing perspectives

Still in search of business models

Complexity of developing partnerships
Collaborative versus competitive models
The role of independent players

Case study overview

Focus areas

Mobile banking case studies

Monitise
Firethorn
BankID (Telenor and Norwegian banks)
Sybase 365 m-banking solution
Rabo Mobiel

NFC-based payments

Pegasus project

Money transfers in developing countries

Orange Money
Globe: G-Cash
Vodafone
Grameenphone’s BillPay
East African operators
MTN Banking
Luup

Mobile commerce strategies in retail

mPoria
Mobilkom
PayPal Mobile

The value chain for mobile payments

Overview of the mobile payment process

Table of figures

Figure 1 Putting m-payment in a broader perspective
Figure 2 Four main axes of development
Figure 3 Typology of business models in m-payments and examples of players
Figure 4 Mobile payments: main focus areas
Figure 5 Maturity of the mobile payment services and projects quoted in the case studies
Figure 6 Monilink: high-level architecture
Figure 7 Basic principles for Monitise’s revenue model
Figure 8 Monitise’s model for prepaid top-ups
Figure 9 Firethorn’s mobile banking application
Figure 10 Snapshot of Payez Mobile merchants in the city of Strasbourg
Table 1 Orange’s key operations in Africa and Middle East (at end of 2007)
Figure 11 G-Cash client processes
Table 2 M-Pesa service fees
Figure 12 Buy.com’s mobile shopping site powered by mPoria
Figure 13 Checkout using PayPal Mobile on an mPoria-powered shopping site
Figure 14 PayPal: user process for Text to Buy service
Figure 15 PayPal: user process for Mobile Checkout service
Figure 16 Mobile payment process overview
Figure 17 Provisioning the m-payment application
Figure 18 M-payment product ordering and delivery
Figure 19 Performing mobile payments
Figure 20 Managing the end-user account
Figure 21 Performing mobile marketing/CRM actions
Figure 22 Players’ positions on the value chain