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Mobile Payments am POS - Status Quo Deutschland

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Ein aktueller Überblick über mobile Payment am POS

Veröffentlicht in: Wirtschaft & Finanzen
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Mobile Payments am POS - Status Quo Deutschland

  1. 1. Mobile Payments Status Quo Deutschland Juni 2012
  2. 2. kurz zu mirAndre´ M. Bajorat - Autor, Blogger,Consultant, Startup-Mentor, Seed-InvestorInhaltliche Schwerpunkte Banking, Payment, MobileBerufliche Historie seit 1997 Sparkassen Finanzgruppe bis 2009 SK Online Star Finanz giropay NumberFour AG bis 2011
  3. 3. Was ist mobile Payment?Sorry - es gibt sie nicht,die EINE richtige DefinitionJeder der drüber redet hat seineeigene Interpretation
  4. 4. einige selbst ernannteMobile Payment Player
  5. 5. Wie definiere ich mobile Payment?Mindestens ein Teilnehmer an der Transaktionbenutzt ein mobiles Endgerät (Smartphone)bei der Abwicklung der ZahlungWelche verschiedenen Lösungen unterscheide ich: Lösung für Händler oder Konsumenten „Silos“ oder übergreifende Lösung BtoC oder CtoC Lösungen Point of Sale vs. eCommerce vs. Operator Billing
  6. 6. hier und heute:Fokus Point of Sale
  7. 7. Was passiert aktuell amdeutschen Point of Sale?Banken und Kreditkartenanbieter treiben das kontaktloseBezahlen per NFC via Karte und klassischem POS-TerminalNeue Player wollen das Smartphone & eineHardwareerweiterung als Ersatz für die POS-TerminalseinsetzeneCommerce Player schaffen eigene Wallet basierteLösungen z.B. unter Einbeziehung von QR CodesDeals, Rabatte und Loyalty streben via Mobile und LocationBased Service Diensten an den POS(Telkos wollen das mobile Wallet treiben)
  8. 8. Wer treibt dieVeränderung am POS?neue MarktbegleitereCommerce Player die in neue Märkte wachsenL.B.S Service DiensteRabatt und Loyalty Anbieterspannende Silos
  9. 9. Was treibt dieVeränderung am POS?Das überall InternetDie App-Economy -„There is an App for that“Soziale Vernetzung undCheck-In DiensteGlobalisierung des Bezahlensund der genutzten DiensteDie Geschwindigkeit in der sich neue Dienste durchsetzenDie „Digital Natives“
  10. 10. Was sind die Vorbilder?Square und iZettle in US und SKA Terminal- und Loyaltyersatz für den HändlerOystercard London NFC Ticket-KarteStarbucks US Deals, Loyalty und Payment in einer AppGoogle Wallet
  11. 11. Aber: POS ist nicht gleich POS!Die verschiedenen Lösungen haben unterschiedliche Zielgruppen und stehenso nur bedingt in KonkurrenzBeispiele PayPal QR Shopping - eCommerce im und am Laden Verlängerung der Öffnungszeiten und Erweiterung der Ladenfläche Square Klone - Ablösen des Bargelds Cafés, Yogastudios, Handwerker, fliegende Händler etc. NFC der Banken und Kreditkarten - Ergänzung der heutigen Lösung grosse Händler, Massenevents Silos - individuelle Gegebenheiten genau angepasst auf die Bedürfnisse einer Branche / eines Anbieters
  12. 12. Was steht den Veränderungen aktuell noch im Weg?geringe Kreditkartenakzeptanzin GERbeliebtes girocard (EC-Karte) Verfahrenist aktuell noch von den Banken „abge-schottet“ und muss über risikoreichereLastschrift umgangen werdendie Liebe der deutschen zum BargeldInternet und POS-Zahlungen werden von denKreditkartengesellschaften unterschiedlich gehandelt(Preis und Risiko)
  13. 13. Was kommt noch in der Zukunft?ich weiss es nicht - aber ich habe ein paar Thesen kartenloses Cloud Payment globale Player übernehmen das Thema keine Unterscheidung mehr zwischen e- und POS-Commerce L.B.S, Loyalty und Deals sind Teil des Payment Prozesses Händler- und Paymentanbieter übergreifende Lösungen Speziallösungen für besondere „Silos“
  14. 14. Ein Blick auf mögliche relevante PlayerSparkassen Online Banker GER 16 MioPayPal Accounts GER 18 Mio 230 Mio weltweitFacebook Accounts GER 23 Mio 900 Mio weltweitT-Mobile Accounts GER 34 MioFoursquare User: 20 Mio weltweitGroupon 70 Mio weltweitGoogle Accounts: 350 Mio weltweitApple IDs: 400 Mio weltweit
  15. 15. Relevanz nationalerAngebote schwindetInternational Google national Apple Sparkasse oder Facebook / Twitter Bank Foursquare „Silos“ Mastercard / Visa PayPal Groupon
  16. 16. Gute Ideen setzensich schneller durchAOL brauchte 9 Jahre für eine Million User - Facebook 9 Monate - DrawSomething 9 TageNapster hatte 2000 4.9 Millionen Nutzer,Skype hatte 2005 nach nur 25 Monaten 54 Millionen NutzerInstagram hat 12 Millionen User im ersten Jahr erreicht -in den letzten 3 Monaten weitere 9 Millionen - in den ersten 10 Tagen nachder FB-Übernahme weitere 10 Mio - in den ersten 3 Wochen im Google PlayStore weitere 10 MillionenPayPal hat sieben Jahre nach dem Start in GER mehr deutsche Accounts alsdie Sparkassen Online-Banker NutzerSquare brauchte rund 18 Monate um >15% aller KK-Terminals in den USA zustellen und wird heute mit 4 Milliarden USD bewertet und wickelt bei 2Millionen Akzeptanzstellen 6 Milliarden Dollar pro Jahr ab
  17. 17. lassen sie uns heute ein spannendes „Silo“ betrachten
  18. 18. Danke fürs Zuhören!André M. BajorateMail: b@jorat.deWeb: www.bajorat.deblog: www.ambajorat.wordpress.comtwitter: /ambajorattwitter: /ambconsultFacebook: /ambconsultXing: https://www.xing.com/profile/AndreMarseille_BajoratPayPal: b@jorat.deSlideshare: http://www.slideshare.net/ambajorat

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