My presentation at Mobeyday (www.mobeyday.com) event in Barcelona on 6th of October 2014.

1. ARE
MOBILE PAYMENTS
VALUABLE?
KRISTIAN LUOMA, @KLUOMA
MOBEYDAY, BARCELONA, 6.10.2014

2. KRISTIAN
LUOMA

5. 33% !!
USES PIVO EVERYDAY

6. ARE
MOBILE PAYMENTS
VALUABLE?

7. NO,
MAYBE &
YES

8. ARE MOBILE PAYMENTS
VALUABLE?
ISSUER BACK … MIDDL E … FRONT CONSUMER

9. PIE

10. HONEY

11. SELFIES

12. IS THE VALUE HERE?
ISSUER BACK … MIDDL E … FRONT CONSUMER

13. COST SAVINGS?
25€
5 €
PHYS ICAL DIGI TAL

14. YOU’LL STILL MAINTAIN
THE OLD SYSTEM
25
5
FOR A GOOD WHILE

15. MORE CARDS?
5 +
5 5 5
MOBILE, MOBILE, MOBILE, ..

16. MORE CARDS PER USER?
MORE 5 REVENUE?
5 5 5
MOBILE, MOBILE, MOBILE, ..

17. ONE PIE

18. SPENDING POWER
REMAINS FLAT
1 0 1 0
BE FORE AF T ER

19. WITH FLAT SPENDING,
EVERYTHING COSTS TOO
MUCH
10
25
5
COS T S REVENUE S

20. APPLE PIE?

21. NO

22. IS THE VALUE HERE?
ISSUER BACK … MIDDL E … FRONT CONSUMER

23. TRANSACTION
DATA IS HONEY

24. PLATFORM FOR
COMMERCE

25. PROOF

26. PROOF

27. VALUE OF DATA
F T G ?
MODIFIED FROM ARI VILJAKAINEN’S (NETS FINLAND) SLIDE ON “VALUE OF TRANSACTIONS”

28. TRANSACTION
D ATA I S T H E
PLATFORM TO
“VALUE ADDED”
S E R V I C E S

29. WATCH OUT
FOR THE BEES

30. GIVE BEES
SUGAR

31. MAYBE

32. IS THE VALUE HERE?
ISSUER BACK … MIDDL E … FRONT CONSUMER

33. YES

34. EVERYTHING
WILL BE MOBILE

35. WORLD OF ZERO
COST TRANSITIONS

36. CREATE VALUE TO
STAY ALIVE

37. SELFIES WERE
KILLING FACEBOOK

38. SELFIES LESSON:
MOBILE IS DIFFERENT

39. CONNECTING PEOPLE

40. CONNECTED PEOPLE

41. WHATSAPP

42. SELFIES

43. IT FEELS
BETTER

44. INSTANT

45. PERSONAL

46. SIMPLE

47. CONNECTED
PEOPLE

48. SELFIES
LESSON

49. 16 BUSD

50. “THE FUTURE OF PAYMENTS IS ABOUT
SYNERGY, CONTEXT, ADVICE AND
BENEFITS.”
BRETT KING

51. RESEARCH

52. WHOEVER MAKES
CONSUMER FEEL AS
GOOD IN PAYMENTS
WINS

53. IT’S NOT ABOUT
HOW YOU PAY

54. IT’S NOT ABOUT
“TAP & GO”

55. IT’S HOW
CONNECTED
IT FEELS

56. INSTANT

57. PERSONAL

58. CONTROL

59. CONTEXT

60. VALUE-ADD

61. THIS IS THE NEXT BIG
THING IN PAYMENTS

62. CONNECTED
PAYMENTS

64. SUPPORTS
PAYMENTS

65. .. AND FEELS
CONNECTED

66. “Pivo converted my
payments to euros
in realtime as I was
shopping in Dubai”
Customer feedback

67. SATISFACTION
(OVER 2000 REVIEWS, 300.000+ DOWNLOADS)

68. 4 x
FREQUENCY
more frequent
by sessions
Online Banking Mobile Banking Pivo

69. FREQUENCY
33% OPENS IT
EVERYDAY
Online Banking Mobile Banking Pivo

70. HAPPY CUSTOMERS
5 x
more likely
to recommend
our Bank
Online Banking Mobile Banking Pivo

71. THERE IS AMAZING
VALUE IN MOBILE
PAYMENTS

72. NOT THE VALUE
MEASURED WITH
SPREADSHEETS

73. IT IS SOMETHING NEW
IN THE MIDDLE

74. SOMETHING NEW
FACING THE
CONSUMER

75. DON’T LET
SELFIES KILL
YOU

76. MAKE PAYMENTS
FEEL CONNECTED
@KLUOMA
KRISTIAN.LUOMA@OP.FI