© 2014 Wirecard AG 1
Mobile PaymentNFC, QR, HCE, BLE …. NFCP 2014, LondonJUNE 2014
© 2014 Wirecard AG
WHO IS WIRECARD …
Leading international payment services provider More than 200 card programs worldwide Founded in 1999, listed on Frankfurt Stock
Exchange 2013 Revenue € 481.7 mn. / EBITDA € 126 mn. Full German Banking Licence and passported
European E-Money Licence Member of Visa, MasterCard, JCB, Discover,
Unionpay
© 2014 Wirecard AG
Mobile Payment Solutions launched by Wirecard
6 Co-branded Programmes
5 Countries
2 Years
© 2014 Wirecard AG
Customer Success Story – Telefonica
mpass is a new ubiquitous omni-channel payment solution offered by Telefonica o2 covering contactless as well as integrated e-commerce payment.
© 2014 Wirecard AG
Customer Case Study Mobile contactless payment product for
Telefonica O2 Account: Pre- and/or postpaid (de-coupled debit) Top-up methods: real-time money transfer, wire
transfer and direct debit Card Product: Maestro NFC-sticker, NFC mobile
card and virtual MasterCard Issuer: Wirecard Card Solutions Ltd. iPhone and Android Application Value-added Services:
Embedded real-time couponing and loyalty functionality Person-2-Person transfers Interface for e-commerce merchants
12/12
© 2014 Wirecard AG
© 2014 Wirecard AG
© 2014 Wirecard AG
Customer Success Story – Orange Cash
Orange Cash is a new way of paying with your mobile. The design and user experience is optimized focusing on usability and simplicity.
© 2014 Wirecard AG
Customer Case Study Contactless (NFC) mobile payment application Account: prepaid Top-up methods: wire transfer, credit card Card Product: NFC VISA mobile card and one-time
virtual VISA cards Issuer: Wirecard Card Solutions, UK Android Application (Windows planned) Specialities:
mobile-only product Embedded cashback / couponing functionality and POS locator
02/14
© 2014 Wirecard AG
CHALLENGES of the past and for the future?
© 2014 Wirecard AG Source: University of Augsburg, 2014
Technology Usability
Acceptance
Markets/Players
Scenarios (Usecases)
Security
Business Models
M-Payment System
obj
subj
Pay
men
t F
acto
rs
Mobile Applications
MOBILE PAYMENT IS COMPLEXITY2
© 2014 Wirecard AG
Payment Scenario
Perceived Security
Trust in MPSP
Perceived Ease of Use
Expressive- ness
Cost
Intention to use MP
Quantitative Factors for Active Use of Mobile Payment
-0,004
0,546
0,515
0,498
0,211 0,043
0,233-0,026
0,071
0,246
Source: University of Augsburg, 2014
Perceived Usefulness
© 2014 Wirecard AG
Successful mobile payment solutions must provide a good mobile UX and UI design.
© 2014 Wirecard AG
To be successful mobile payment solutions in addition require infusion of significant value throughout the purchase journey
before, during, and after payment.
© 2014 Wirecard AG
© 2014 Wirecard AG
Value Added Services are the key to drive adoption and usage: Request money from friends and relatives Person-2-Person transfers Online Payment Interface for secure and fast e-commerce
transactions (one-time) virtual cards for secure e-commerce transactions Loyalty and Coupouning
We must look at where the user is: sharing lunch with colleagues, paying at the POS, paying online, collecting and redeeming coupons and loyalty points, requesting money from friends and relatives, sharing purchase feedback through social networks, …
© 2014 Wirecard AG
Mobile Payment will come!
85% of 12 yrs old teenagers in Germany do have a smartphone!
NO ONE DOUBTS
© 2014 Wirecard AG
© 2014 Wirecard AG
Wirecard Technologies GmbH
Einsteinring 35
D-85609 Aschheim
Germany
christian.vonhammel@wirecard
Phone: 0049 89 4424 1405
Christian von Hammel-Bonten EVP Telecommunications Wirecard
