This document provides a high-level overview of mobile payments. It discusses different examples of mobile payment systems around the world, including Square in the US, McDonald's Club in Japan, M-PESA in Kenya, and a partnership between Barclaycard and Orange in the UK. It also outlines different business models for mobile wallets, including operator wallets controlled by mobile carriers and platform or cloud-based wallets. The document aims to illustrate the current state of the mobile payments industry and different approaches being used globally.
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
David Birch presents Mobile Payments
1. Mobile Payments – A High-Level Snapshot
David G.W. Birch
Director,
Consult Hyperion
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2. World View
Starting in the centre of the world, which
is Woking, or more specifically the car
park at Woking railway station
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3. Four-way view
Here’s one way to look at the world of mobile payments
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4. Examples
Examples from each quadrant that have some key
lessons wrapped up inside them
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5. US: Square
This is the window into the new payments environment
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6. Japan: The MacDonald’s Club
1 in 8 subscribers in Japan belong to the McDonald’s club
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7. Kenya: M-PESA
A quarter of Kenyan GDP passes through M-PESA
Source: Wired UK (6/11)
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8. UK: Barclaycard and Orange
Cards aren’t that cool, but phones are
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9. Business Models
What are the drivers for mobile, and why are some
people mad for it while others are sceptical?
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10. Different business models
The Operator Wallet
■ SE under control of mobile operator
• UICC SE, SWP, TSM
The Bank Wallet
■ SE under control of issuer
• SD SE, TSM
The Platform Wallet
■ SE nothing to do with bank or telco
The Retailer Wallet?
■ Walmart, Target…
The Cloud Wallet…
■ Identity is the new money (but that’s another story!)
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11. Contact Details
David G.W. Birch
dave.birch@chyp.com
Twitter @dgwbirch
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