Mobility, Banking and Payments: Evolution or Revolution?
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1 Mobility, Banking and Payments: Evolution or Revolution? CHALLENGES AND OPPORTUNITIES Bernardo Nicoletti Almati, 1 October 2015
2 Questions and Answers 1914: Launch of the first credit card by Western Union
3 Payments Trends Strong Interest in Young Generations, Underbanked and Unbanked Modernization of Payment Systems Payment Systems at the heart of financial growth Joint Finance and Risk Management Growth fueled by New Channels Increase in e-commerce activities Large CAGR in Internet based Commerce over the last 5 years Digital Transformation Mobile Payments across the world expected to double in 2 years Convergence of Financial Services and Digital Businesses: FinTech 3
4 Cards are growing all over the world
5 Non-Cash Payments are Exploding Especially Card Payments
6 Payment Card Market Global View EMEA Forecasted to Exceed North America by 2017 (Card Circulation in Billions) Market Size: 11.8B Market Size: 15.9B Today 11.8B payment cards circulate worldwide; number forecasted to reach 15.9B by 2017 (+6%) Growth is strong across regions however is slowing down in the 5 years. Growth mainly driven by Global EMV migration and increase in card adoption across emerging markets. EMEA forecasted to be the second largest market for card circulation by 2017, to cross NA by Growth also stronger than North America mainly driven by Middle East and Africa
7 Payment Card Market Emea Market Size: 1.9B Market Size: 2.6B Western EU continues to be the largest market in EMEA region consisting of 60% of card market today Western EU, only region to show an increase in growth (forecasted) mainly driven by volume increase in prepaid cards and debit cards. Middle East and Africa, a bigger market than Eastern EU forecasted to grow 2X faster in next 5 years: Growth mainly driven by increase in credit and debit card volumes.
8 Top Countries by Region Turkey Western EU Eastern EU MEA M 15% Russia 271M 7% Iran 219M 11% France 300M 9% Ukraine 49M 4% South Africa 106M 6% United Kingdom 284M 2% Poland 47M 4% Syria 63M 11% Germany Italy 104M 169M 3% 1% Romania Czech Republic 16M 2% 13M 2% Iraq Saudi Arabia 61M 13% 57M 12% Spain 72M 1% Hungary 11M 3% Egypt 53M 24% Netherlands 54M 1% Croatia 10.5M 3% United Arab Emirates 21M 14% Switzerland 41M 10% Bulgaria 10.5M 2% Oman 20.7M 15% Belgium 40M 9% Belarus 9.5M 4% Morocco 13M 7% Sweden 30M 1% CAGR Serbia 7M 2% CAGR Israel 11M 6% CAGR All three regions are highly concentrated markets with top 10 countries accounting for 92% to 94% of card circulation
9 Mobile Payment Users by Region (in 000) Chart Title W. Europe North America As/Pac EMEA Latin America Skinner, C. Digital Bank
10 The Four Challenges in Payments: 4C Compliance Competition Customers Computers & Technology 10
11 Evolve or Die It is not the strongest of the species that survives, nor the most intelligent that survives. It is the one that is the most adaptable to change. Attributed to Charles Darwin Charles
12 Time of Innovative A disruptive innovation creates a new market and value network, and eventually disrupts the existing ones (over a few years or decades) Innovation can be on: Products Processes Distribution Business Models
13 Both Customers and Banks have New and Emerging Payment Needs Customers Ease of use Make payments whenever and wherever Transparency and up to date view on cash position Convenience Security Financial Services Responding to consumer change in a value effective way to fight new and old competition Differentiation in the minds of customers. Omnichannel strategies Managing credit lines and cash flows Cost reduction 13 Barclays Pingit for corporates September 2013
14 Mobile Payments: A Disruptive Innovation Product Type of Innovation Characteristics Combines all types of use of the card Process Distribution Combines different modes: biometrics, pictures, voice Everywhere and Everytime Business Model Ecosystem in Parternship: Banks, Telco, Retail, etc. 7 billions phones vs. 2 billions of banking account
15 Innovation in Payment Systems Mobile & NFC Huge Untapped Market Quick and Convenient Technology to play a major role Can provide Top-of-Wallet status Capable of Displacing Cash Suica in Japan & Octopus in HK Smart Cards M-Wallet P2P Payments Taking success of cards to the next level One card does it all Witnessing growth all over Comfort and Convenience Increased time spending on these forums Extend Banking Services apart from marketing & Branding Safe and Secure Tool for Microfinance and Financial Inclusion e.g. Rural Smart Cards in LatAm Broadened product offering such as GiroPay, PC Pay, EPS etc. Enhanced security- virtual keyboard, virtual card, multi-facto authentication Large reach at minimal investment Apprehensions over security and privacy 15
16 A Disruptive Innovation: The "Mobile Payment Experience" Coupons Mobile ecommerce In-store navigation Extended packaging Loyalty Advertising & Promotions Payments ATM/Branch Locations Shopping Lists Self-scanning & Self-checkout
17 Technology Helps Without Host card NFC Biometrics Host Card Emulation (HCE) With Host card
18 M-Wallet The m-wallet is the use of mobile similarly to a real wallet. It is a convenient solution for any business looking to allow customers to purchase their products with greater ease, therefore driving sales. What can it hold other than payments? Bank account details Credit cards Gift coupons and reward certificates Loyalty cards Offers
19 Some Data and Trends 79% concerns with security of information stored on a e-wallet (First Data Universal Commerce Tracker Study, 2013) New Identification Drivers - 34% of overall respondents would use a mobile wallet to originate payments (UK Study FC Business Intelligence LTD, 2013) 46% for smart phone users 49% for year olds 55% for year olds 51% when incentive is offered A few solutions established in niches Expect: Consolidation of vendors New solutions that focus on the customer but that offer means of payments alternative to cards. Mobile wallets will not exist as stand alone, payment only services
20 P2P Person to Person Person-to-person payments (P2P) allows customers to transfer funds online to another individual via the Internet or a mobile phone Two methods: Customers, identified by their , establish secure accounts with a trusted third-party vendor. Ex. Paypal, MyBank Customers use an online interface or mobile application to designate the amount of funds to be transferred. Ex. Pingit by Barclays and Paym in UK, Jiffy in Italy
21 A Successful Story: Barclays Pingit Send now Pay now Buy now Transfer now Transfer money using only a phone number Launched February Barclays Pingit for Settle a bill or invoice, easily and instantly and make Gift Aid enabled donations Launched May 2012 A range of m- commerce solutions to pay for goods and services on the go Launched September 2013 Possibility to transfer money to India and several other countries (e.g. Kenya) Launched 2014
22 What Should we Do?
23 Recommended Approach Define Vision & objectives Find your ecosystem Make mpayment technology decisions Production-ready deployment Measure, adapt and optimize
24 Define Vision & Objectives Offensive New channel/new revenue Expand offerings for existing customers Attract new customers, gain share Prepaid Travel cards are ideal for mobile Defensive Protect existing customer base against traditional competitors Prevent disintermediation by new non-traditional competitors More on the Master Class
25 Innovation for the m-generation Simplify Value Integrate and Virtualize Product Process Platform Processo Progettazione Comme Produzione rciale Cliente Assistenza tecnica
26 The Final Message To Beat Your Competition Strive For Perfection Continuous improvement The policy of the Bonsai, small steps at a time
27 Bernardo Nicoletti Transigma Emea, Director Professor at the Master in procurement at the University of Rome, Tor Vergata, Rome, Italy. Consultant and Coach Master Black Belt PALG RAVE STUDI ESIN FINAN CE TECH NOLO GY MOBILE BANKING E v o l u t i o n o r R e v o l u t i o n? B E R N A R D O N I O L E T I C T bernardo.nicoletti@transigma.com Blog:
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