Mobile Payment Trends 2014

Copyright © 2013 Appinions. All rights reserved.Copyright © 2014 Appinions. All rights reserved.
Digital Mobile Payments
An Industry Influence Study
March 2014

The payments market is changing, as smart mobile devices, always-on internet
access, disruptive startups, and emerging technologies are challenging the long-
standing status quo of the payments world.
In March 2014, the Appinions data journalism team looked at the Digital Mobile
Payments marketplace to understand the role key companies are playing in terms
of influence and which conversations are having a measurable impact.
The results revealed clear winners and losers, and stark trends including:
v  Net influence score has nearly doubled since Apple’s Tim Cook discussed his plans.
v  Key players from six different industries have demonstrated influence in this category.
v  Paypal and Square are by far the most dominant mobile payment firms.
v  All traditional payment providers (except MasterCard) and all US Banks are absent.
v  International banks and wireless providers are significantly more influential than US firms.
Appinions applies our patented technology to the calculation of a Net Influence Score (NIS) for any person or company who has expressed a
topically relevant opinion and elicited a reaction from others. We completed full-text analysis on approx. 2.25 Billion documents between
12/7/13 and 3/6/14 for this research. A more complete discussion of our methodology is included at the conclusion of this report.
Introduction & Key Insights
About Our Research

1.  The 90-Day Influence Trend in Mobile Payments
A graph of the daily Net Influence Score (NIS) of all mobile payments conversations.
2.  Mobile Payment Influence by Industry
A comparison of the NIS on mobile payments on an industry-by-industry basis.
3.  Top 10 Influential Companies & Top 10 Influential Execs
Ranked lists of the highest individual influencer scores on the topic of mobile payments.
Ø  Most Influential Companies By Industry:
4. Payment Tech
5. Device Manufacturers
6. Retailers
7. Banks
8.  When Influencers Speak: Top Payment Tech Themes
Summary of the payment companies mentioned most frequently by all mobile payment influencers.
9.  Influence In Perspective: Mobile Payments vs Business Events
Comparison of key mobile payment event to other business events in terms of Net Influence Score.
Table of Contents

6,000
8,000
10,000
12,000
14,000
16,000
12/7 12/21 1/4 1/18 2/1 2/15 3/1
Influential Mobile Payment Conversations Surged in 2014,
Following Apple’s Interest in Market Entry
Net Influence
Score
PayPal contributed 42% of eBay's
revenues in Q3 2013, and PayPal
expects to process $20B in mobile
payments in 2013, a 500% increase
since 2011.
-PayPal, via SeekingAlpha, 12/11/13
Apple is laying the groundwork for an
expanded mobile-payments service,
leveraging its growing base of users and
the hundreds of millions of credit cards
on file.
- Apple, via Wall Street Journal, 1/24/14
“We're just beginning to appreciate the full magnitude and
possibilities of the Starbucks mobile payment platform
opportunity.”
– Howard Schultz, CEO, Starbucks, via Daily Finance, 1/29/14
Bank of Beijing Co, a mid-sized lender, announced a
partnership with smartphone maker Xiaomi Tech on
mobile payments and sales of WMPs and insurance
products.
– Bank of Beijing, via Reuters, 2/23/14
MasterCard is planning to acquire digital wallet
provider C-SAM, which already powers
commercial mobile payments pipelines
worldwide, including ISIS in the United States.
– MasterCard, via ZDNet, 2/24/14
0
1 90-DAY INFLUENCE TREND
4

Companies From Six Different Industries
are Influencing the Mobile Payments Conversation
Wireless
(Network Providers)
Device Makers
Payment Services
(Traditional)
Payment Services
(Mobile)
Retailers and
Services
Financial
Institutions
Verizon
Vodafone (India)
Rogers (Canada)
Telus (Canada)
China Mobile (China)
Deutsche Telekom (Germany)
OpenTable
Starbucks
Amazon
eBay
Chipotle
Whole Foods
Bank of Beijing (China),
Royal Bank of Canada (Canada)
BMO (Canada)
HSBC (UK)
Central Bank of Nigeria (Nigeria)
Barclays (UK)
ICICI Bank (India)
Reserve Bank of Zimbabwe (Zimbabwe)
Standard Bank (Kenya)
PayPal
LevelUp
Braintree
Venmo
Square
Clinkle
UniteU Technologies
Seamless Payments AB (Sweden)
Kopo Kopo (Kenya, Rwanda, Tanzania)
MasterCard
SinglePoint
VeriFone
Apple
Google
Microsoft
Samsung
Xiaomi (China)
Motorola
Broadcom
2 MOBILE PAYMENTS INLUENCE BY INDUSTRY

A Diverse Set of Companies & CEOs Are Driving
Influential Conversations on Mobile Payments
NIS Top 10 Most Influential Executives
242 Tim Cook - CEO, Apple
104 Howard Schultz - CEO, Starbucks
80 Carl Icahn - CEO, Icahn Enterprise
32 Lucas Duplan - CEO, Clinkle
30 Caroline Potter - Chief Dining Officer, OpenTable
29 Mark Egerman - Co-Founder, Cover
27 Ben O Dwyer - Founder, CardFellow
26 David Marcus - President, Paypal
23 Tiffany Fox – Sr. Director, Corporate Communications, OpenTable
22 John Donahoe - CEO, Paypal
NIS Top 10 Most Influential Companies
330 Apple
198 PayPal
152 OpenTable
80 Starbucks
70 MasterCard
55 Amazon
46 eBay
40 Google
29 Bank of Beijing (China)
27 Verizon
Most Influential Opinions
3 THE TOP 10 INFLUENCERS
Mobile payment is an area that has “intrigued” Apple and
mobile payment is figured in the company’s thinking
around Touch ID.
-  Tim Cook, CEO, Apple, via TechCrunch
PayPal contributed 42% of eBay's revenues in Q3 2013,
and PayPal expects to process $20B in mobile payments in
2013, a 500% increase since 2011.
-PayPal, via SeekingAlpha
Apple is laying the groundwork for an expanded mobile-
payments service, leveraging its growing base of users and
the hundreds of millions of credit cards on file.
- Apple, via Wall Street Journal
“We're just beginning to appreciate the full magnitude and
possibilities of the Starbucks mobile payment platform
opportunity.”
– Howard Schultz, CEO, Starbucks, via Daily Finance

Among Payment Players, PayPal Leads in Influence,
While Visa and AMEX Have Zero Impact
0.0
0.0
1.7
3.4
3.6
6.2
6.6
8.1
8.7
10.6
12.4
17.4
69.7
197.8
0.0 50.0 100.0 150.0 200.0
MasterCard takes a leadership role through an
acquisition of C-SAM and a series of partnerships,
such as the one with German telecom companies.
PayPal has had more
influence than all the other
companies combined
Visa and Amex missing
from the conversation.
Net Influence
Score
4 INDUSTRY SURVEY: Payment Companies

Among Device Mfgs, Apple Dominates With
Nearly Ten Times the Influence of Google
0.2
0.9
2.4
2.9
7.8
9.9
11.6
13.5
16.9
23.5
26.9
39.5
0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 45.0 50.0
Xiaomi Tech disrupts the
Chinese market.
Net Influence
Score
5 INDUSTRY SURVEY: Device Manufacturers
330.2
Leading national wireless network
providers are proving to be key
partners across the globe in
implementing mobile payments. Is
Verizon going to help establish the
standard for the U.S.?
Deutsche Telekom’s influential opinions
are about their operations in Germany.

Leading Edge Retailers Are Testing Programs
And Making An Impact In The Payments Conversation
9
3.7
11.2
38.9
46.5
55.4
80.5
0.0 20.0 40.0 60.0 80.0 100.0
Whole Foods
Chipotle
OpenTable
eBay
Amazon
Starbucks
Starbucks is doubling down on its mobile
payments business, as we reported in a recent
edition of our Payments Insider newsletter.
- Starbucks, via Business Insider, 1/31/14
Amazon is hoping to sell retailers a Kindle-based retail
checkout system, likely positioned like Square and
other providers of mobile credit card reader systems.
- Amazon, via Wall Street Journal, 1/29/14
eBay is pushing the envelope in digital payments and
could even eliminate the need for a point-of-sales
system because of its global reach and innovation.
- eBay, via Motley Fool, 12/31/13
Whole Foods announced early Tuesday that it has partnered
with Square to bring Square Register and Square Stand to
select Whole Foods stores around the country.
- Whole Foods, via the Street, 2/11/14
Officials at Chipotle Mexican Grill, which has offered mobile ordering
since 2009, said last week they plan to invest $10 million to further
develop its mobile platform, including adding mobile payment.
- Chipotle, via Nations Restaurant News, 2/10/14
Net Influence
Score
OpenTable announced a pilot program that allows
mobile device customers to pay their checks at
participating restaurants in the San Francisco area.
- OpenTable, via TMC Net, 2/11/14
6 INDUSTRY SURVEY: Retailers

International Banks Demonstrate Influence,
While US Banks are Noticeably Absent
0.3
0.5
1.2
1.5
2.0
5.1
10.0
24.7
28.8
0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0
Reserve Bank of Zimbabwe (Zimbabwe)
Central Bank of Nigeria (Nigeria)
HSBC (UK)
Standard Bank (Kenya )
ICICI Bank (India)
Barclays (UK)
BMO (Canada)
Royal Bank of Canada (Canada)
Bank of Beijing (China)
Central Bank of Nigeria
Reserve Bank of Zimbabwe
Net Influence
Score
7 INDUSTRY SURVEY: Banks

93
202
319
383
487
536
748
1682
1851
0 500 1000 1500 2000
LevelUp
Venmo
Clinkle
Isis
Cover
Google Wallet
Stripe
Square
PayPal
When Influencers Talk About Mobile Payments,
PayPal and Square Get the Most Attention
11
Influence Score
of conversations
8 TOP PAYMENT TECH THEMES
Square garnered a lot of attention for a company that itself has
earned relatively little influence (See page 7). They’re getting
about 15x more attention than comparable companies.

Apple’s Announcement, While The Most Influential Event
in Mobile Payments, Garnered Only Moderate Reaction
As Compared With Other Business News
1,560
2,931
4,040
4,918
6,097
11,191
12,091
15,561
17,421
- 5,000 10,000 15,000 20,000
Launch of Pebble Steel
LG's launches 4k TV at CES
Apple Announces Interest in Mobile Payment
Samsung's Launches 4k TV at CES
Google Acquires Nest
Lenovo Acquires Motorola
CVS Announces It Will Exit Cigarette Business
Microsoft Announces a New CEO
Comcast Announces Plans to Acquire TWC
Measured Influence From Recent Business Events
Net Influence
Score
9 INFLUENCE IN PERSPECTIVE

Appinions Methodology
Appinions measures influence by completing a full-text analysis on hundreds of millions of documents
representing opinions from offline and online news sources, blogs, forums, and social media. Our patented
technology measures the ability to generate significant reactions and attention, which we represent as an
Influence Score assigned to people, companies, themes, or topics.
In this report we looked at over 200 million opinions (within over 2 billion documents reviewed) between
December 7, 2013 and March 6, 2014.
What is an Influencer?
An influencer is a person, brand or company that expresses a contextually relevant opinion that is
meaningful enough to elicit reactions from others. Appinions reviews full-text from online, offline, and social
sources, and calculates influence scores for each person or company who shared an opinion which
generated a meaningful reaction. A meaningful reaction is a comment, quotation, link, like, or other
responsive act.
Our scoring algorithm considers:
1.  Which people or entities reacted to an opinion, weighted by their respective influence on that topic;
2.  What is the credibility of the outlet where the reaction was published or consumed; and
3.  The volume of reactions generated based on the opinions of that influencer over the past 60 days.
Someone who publishes their opinions frequently, even if in high-profile locations, would not be considered
an influencer if other people don’t react to those opinions in a meaningful way.
13

About Appinions
Appinions is an influence marketing platform. Our software enables marketers to identify, manage, and
analyze the impact of influence in their business. Appinions reveals the people, topics, content, and
sources that are having a measurable impact on any marketplace. Fortune 1000 clients use Appinions to
strategically drive their content marketing, executive influence, product launch, events, and more.
Customers
Oracle, Dell, Xerox, PwC, Aflac, Nissan, and American Airlines are among the companies that rely on
Appinions to keep them aware and engaged. Appinions also publishes reports with partners such as
Forbes, USA Today, and The Economist.
Technology
The Appinions platform is built on more than a decade of research conducted at Cornell University. It’s
patented technology extracts and aggregates opinions from more than 25 million articles every day
including offline media, newspapers, magazines, blogs, forums, and social networks, and determines
influence rankings based on reactions that have been generated.
To learn more, or schedule a personal conversation:
visit http://www.appinions.com
or write us at sales@appinions.com

Appinions Inc.
18 East 41st Street
New York, NY 10017
www.appinions.com
Info@Appinions.com
(646) 532-3062
Twitter: @appinions

Mobile Payment Trends 2014

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