Mobile Payments: Progressing towards Large-Scale Deployments

This report reviews case studies of the mobile payment market and shows how this market is progressively moving towards the rollout of a new generation of services. However, success will depend on convenience, interoperability, trust and the value added by mobile payment services.

• Table of Contents
  • Ovum View
  • Key Messages
  • Mobile Payments: near The Inflection Point?
  • A Transition Is Underway
  • Market Segmentation
  • Changing Perspectives
  • Still in Search of Business Models
  • Complexity of Developing Partnerships
  • Collaborative Versus Competitive Models
  • The Role of Independent Players
  • Case Study Overview
  • Focus Areas
  • Mobile Banking Case Studies
  • Monitise
  • Firethorn
  • Bankid (Telenor and Norwegian Banks)
  • Sybase 365 M-Banking Solution
  • Rabo Mobiel
  • Nfc-Based Payments
  • Pegasus Project
  • Money Transfers in Developing Countries
  • Orange Money
  • Globe: G-Cash
  • Vodafone
  • Grameenphone's Billpay
  • East African Operators
  • Mtn Banking
  • Luup
  • Mobile Commerce Strategies in Retail
  • Mporia
  • Mobilkom
  • Paypal Mobile
  • The Value Chain for Mobile Payments
  • Overview of The Mobile Payment Process
• Table of Figures
  • Figure 1 Putting M-Payment in A Broader Perspective
  • Figure 2 Four Main Axes of Development
  • Figure 3 Typology of Business Models in M-Payments and Examples of Players
  • Figure 4 Mobile Payments: Main Focus Areas
  • Figure 5 Maturity of The Mobile Payment Services and Projects Quoted in The Case Studies
  • Figure 6 Monilink: High-Level Architecture
  • Figure 7 Basic Principles for Monitise's Revenue Model
  • Figure 8 Monitise's Model for Prepaid Top-Ups
  • Figure 9 Firethorn's Mobile Banking Application
  • Figure 10 Snapshot of Payez Mobile Merchants in The City of Strasbourg
  • Table 1 Orange's Key Operations in Africa and Middle East (at End of 2007)
  • Figure 11 G-Cash Client Processes
  • Table 2 M-Pesa Service Fees
  • Figure 12 Buy.Com's Mobile Shopping Site Powered by Mporia
  • Figure 13 Checkout Using Paypal Mobile on An Mporia-Powered Shopping Site
  • Figure 14 Paypal: User Process for Text to Buy Service
  • Figure 15 Paypal: User Process for Mobile Checkout Service
  • Figure 16 Mobile Payment Process Overview
  • Figure 17 Provisioning The M-Payment Application
  • Figure 18 M-Payment Product Ordering and Delivery
  • Figure 19 Performing Mobile Payments
  • Figure 20 Managing The End-User Account
  • Figure 21 Performing Mobile Marketing/CRM Actions
  • Figure 22 Players' Positions on The Value Chain