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1 © Nokia Siemens Networks NSN Mobile Payment Solutions Revenue Channeling for Growth Mike Green Nokia Siemens Networks
1 © Nokia Siemens Networks
NSN Mobile Payment SolutionsRevenue Channeling for Growth
Mike GreenNokia Siemens Networks
2 © Nokia Siemens Networks
Global market opportunity for payment services
6.6 billion people
4.6 billion mobile phones
1.8 billion bank accounts
1.6 billion credit cards
Source: Wireless Intelligence (2008) and Beck et al (2005)
The penetration of traditional payment systems is on average 15%, while mobile phone operators reach already 80% of the population.
• Easy and innovative Payment methods & Services have tremendous potential to excel!
QITCOM/ Green/ 25th May 2011
3 © Nokia Siemens Networks
0
50000
100000
150000
200000
250000
300000
2007
2008
2009
2010
2011
2012
2013
2014
(Mio
$)
Others
Prepaid Top-Ups
Bill Payment
Money Transfer
Ticketing
MerchandisePurchases
63%
23%
[4.5%]
∑~4.5B
∑~245B
Continuous business growth for Mobile Payment Services
Mobile Payment Transaction Value, 2007-2014
Source: Gartner, Apr2010
10 – 2830 (M $)
334 – 18193
25 – 10889
1515 – 154246
15 - 3082
88 - 56444
[7.4%]
[1.16%]
[1.26%]
The worldwide mobile payments market will grow from $170 billion in 2010 to almost $630 billion in 2014
Juniper Research, Feb2011
Payments using NFC is a market that’s expected to top £102bn by 2015 Frost & Sullivan, Feb2011
QITCOM/ Green/ 25th May 2011
4 © Nokia Siemens Networks QITCOM/ Green/ 25th May 2011
Mobile Payment+
The Communications Service Broker…Innovation and Delivery in new Products & Services
5 © Nokia Siemens Networks
Value proposition for the Mobile Operator
New opportunity to reach un-banked and under-banked subscribers
with secure, corruption-free & low-cost alternatives to status quo
Increase customer loyalty by moving from voice and text comms to facilitating trade & commercial relationships on the Mobile platform
Create additional business by offering non-telco purchases and requesting charging fee for Payment transactions and Services
Expanded opportunities for partners, agents/distributors by offering additional products and Services
Major increase in ARPU through additional services (e.g. SMS
confirmation)
Acquire new
subscribers
Create new revenue stream
Drive up cross selling opportunity
Reduce subscriber churn
Strengthen marketing channels
QITCOM/ Green/ 25th May 2011
6 © Nokia Siemens Networks
What is a Mobile Payment Solution?
Mobile Money Transfer
mWalletBank /Credit Card account
Remote & Proximity
mCommerce
mBanking
Mobile payments can be defined as any form of payment (for goods or services) and money transfer which is triggered from a mobile phone using mWallet, Prepaid, postpaid or bank account.
It provides access to financial institutes via mobile phone to use online banking services
It represents one asset in a compelling opportunity for Operators & others to extend their business by ‘revenue channeling’ through the Mobile platform
QITCOM/ Green/ 25th May 2011
7 © Nokia Siemens Networks
Mobile Payment functional area
Prepay top-up/ online shopping
Linked payment (Credit/Debit) cardmWallet/ Stored Value Account
Retail shoppingTicketingP2P transfers
NFC + linked payment(Credit/Debit) cardNFC + Stored Value Account
Mobile digital contents (Logo, Ringtone, Music, …)
Mobile Billing (e.g. D2B, WAP billing)
TicketingVending machinesParking
NFC + Stored Value AccountMobile Billing (e.g. D2B, WAP billing)
P2P transfers
Mic
ro p
aym
ent
Mac
ro p
aym
ent
Remote LocalSource: Informa Telecoms & Media
Mobile Commerce Mobile BankingMoney Transfer
Banking Services
Utility bill payment
QITCOM/ Green/ 25th May 2011
16 © Nokia Siemens Networks
Summary
Enhance customer
experience
Drive new revenue
streams
Improve operational efficiency
• 360° view of all payment transactions using any linked accounts to mobile phone
• Ability to initiate secure transactions & payments anytime and anywhere
• Maximum utilization of available infrastructure (SMSC, USSD GW, etc)
• 360° view of all payment transactions for solution provider and partners (e.g. banks, merchants, agents, partners)
• Increase ARPU by facilitating non-Telco revenue streams
• Addressing financial services business area
• Provide payment Services as part of diverse tailored per-segment propositions
17 © Nokia Siemens Networks
Mike Green
CSI Sales Engagement: Revenue Capture Practice
Mobile: +971 55 592 6098
Hassan Sokhandan
Solution Owner (global)
Mobile: +49 151 17406870
Contacts
QITCOM/ Green/ 25th May 2011
18 © Nokia Siemens Networks Presentation / Author / Date
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