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Elef ® Tecnologia Ltda. Todos os direitos reservados   Celular nos Meios de Pagamento       Agosto 2010
	Agenda ,[object Object]
Consumidor Moderno
Tendências
Solução da ElefElef ® Tecnologia Ltda. Todos os direitos reservados
Indústria 4bi de aparelhoscelulares no mundo (70% de penetração) 36bi é o mercado de entretenimentomóvelno mundo (maioria micro-pagamentos) Elef ® Tecnologia Ltda. Todos os direitos reservados  receitada Amazon no anopassadoemmobile commerce 1bi 8% de todocomércio online seráfeito a partir do celularem 2015 1.6mi de downloads naOvi Store pordia 4 anos oacesso a internet pelocelularvaisuperar o acessopelo desktop Fonte: M.E.F.				valoresemdólares
Consumidor Moderno ... 2000 2000... Mídia TV, Rádio, Revistas  Web, Mobile Elef ® Tecnologia Ltda. Todos os direitos reservados  2.0 (social networks,  e-commerce) Internet 1.0 (search, browsing) Open Garden (Data, Mobile web) Walledgarden (Voice, SMS) Mobile Wallet, Cupons, Micropagamentos,NFC Meios de Pagamento Cheque, Dinheiro, Cartão
Consumidor Moderno Elef ® Tecnologia Ltda. Todos os direitos reservados  Maismudançasnosúltimos 10 anos do quenos 100 anosanteriores! A forma com a qual o mundo se comunicamudoumaisnaúltimadécada do queemtoda a história!
Tendências m-Banking Elef ® Tecnologia Ltda. Todos os direitos reservados
Formas de Pagamento Usuários usam conta do celular/ pré-pago para comprar bens e serviços no celular Carrier Billing: Usuários podem guardar meios de pagamento no celular       (dinheiro, cartão de crédito, cupons, etc).  Mobile Wallet: Elef ® Tecnologia Ltda. Todos os direitos reservados  Tecnologia que permite a comunicação entre devices que pode ser utilizada para transações comerciais.  NFC (Near Field Communication): Cartão de crédito/ e-payments: Informações cartão de crédito para compras online. Outras ferramentas de e-payments Desafios da implementação ,[object Object]
Charge-back
 Efeito de rede
 Escala
 Fragmentação das plataformas

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