Dietmar G. Wiedemann. Mobile Commerce Working Group (wi-mobile)
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1 Results of the SEMOPS Study "Status of E-Payments and M-Payments in the European Union" Dietmar G. Wiedemann Mobile Commerce Working Group (wi-mobile) University of Augsburg
2 Introduction SEMOPS is a universal electronic and mobile payment service and can be used in all payment scenarios SEMOPS is device and communication independent, built on open standards. J2ME client Communication can base on SMS, WAP, NFC, or Internet Payment process Real time authorization messaging flow Settlement is through the usual inter-bank batch clearing process SEMOPS establishes technical and business cooperation between various payment processors 2
3 Structure and Business Principles Message Data Center Router Transaction Commission commission Payment Bank1 x Processor Payment MNO1 x Processor Transaction fee Customer Merchant Customer Merchant Payment processors are free to elaborate their own policy. No uniform business regulation free competition! competition with existing solutions competition between payment processors The service is offered to the public under the payment processors own brand opportunity for differentiation SEMOPS is used for orientation Payment processors are free to decide which use cases to offer when to introduce new use cases what fee structure to use what fee level to use how to differentiate between use cases and users Expenses are well predictable general rules transaction ti related cost elements 3
4 Boosting up traditional fund transfer Merchant s Payment Processor Account Management Batch clearing 1. Transaction data 5. Real time confirmation 4. Real time authorisation 2. Payment request 6. Real time confirmation SEMOPS module Customer s Payment Processor SEMOPS module 6. Real time confirmation 3. Real time payment notice 6. Real time confirmation Message routing Account Management Batch clearing Real time authorisation and confirmation flow Batch settlement process the traditional interbank settlement 4
5 Open model Country A Country B Message router Message router Bank1. Bank2. Bank2. Customer Merchant Customer Merchant Customer Merchant On-us Off-us Cross-border Any Payment Processor may join the service Everyone connects to its own payment processor Any clients of any payment processors may transact with each other 5
6 Current Status EU market validation project SEMOPS II 17 project partners Banks and payment processors, technology providers, consultants, universities Pilot operations are running in Greece, Hungary and Italy All payment scenarios/use cases are implemented Business models on payment processor and network level are elaborated Legal analysis is conducted First usability studies are promising 6
7 SEMOPS Study Overview Research objectives What is the current state of the e-/m-payment market in the EU? How mature are the 27 Member States t for m-payments? Method Desktop research: data bases, reports, official statistics and literature Interviews with national and international payment experts Sample 79 launched e- and m-payment procedures 7
8 Current State of the M-Payment Market Classification i is based on the number and the size of the existing m-payment procedures Source: wi-mobile (2007) 8
9 M-Payments in Spain M-payment is dominated by Mobipay España Cooperation of 80% of Spanish banks and 100% of Spanish mobile operators Mobipay España activates existing payment instruments (credit-, debit- or pre-paid card) is available for all payment scenarios uses USSD as realization technology Product Mobipay Payment Processor Payment Scenario User Base Merchant Base MC EC SMA SMP C2C Banco Bilbao Vizcaya Argentaria taxis, (BBVA), Santander retail stores, Central Hispano X X X X X ( ) online merchants, (SCH), Telefónica bus lines in Malaga Móviles, Vodafone, etc. Amena Realization Technology USSD 9
10 M-Payments in the UK Various specialized intermediaries Mainly subsidiaries of international specialized intermediaries PayForIt Cooperation 100% of British mobile operators and 14 accredited payment intermediaries ed es Micropayments of mobile services, in near future also payments on the stationary Internet Product Crandy Payment Processor NCS mobile payment bank Payment Scenario MC EC SMA SMP C2C X (X) X (X) X User Base (across Europe) Merchant Base Realization Technology - SMS, IVR EasyPark EasyPark X - 4 cities IVR LUUP Contopronto X X (X) (X) X - - SMS MONILINK Monitise Group, various banks and MNO X - - J2ME mpark alphyra X - 3 cities IVR PayForIt PayPal mobile Vodafone, Orange, 3, O2, T-Mobile X (X) ( ) - WAP ebay X X X regular users - SMS, IVR (worldwide) Verrus Verrus X - 90 cities SMS, IVR 10
11 Assessment of the M-Payment Maturity User criteria M-Payment Maturity Index (MoPaMIx) Merchant criteria Technical affinity Mobile device penetration Data traffic percentage of the ARPU Amount of voice minutes per user Data traffic percentage of the average revenue per user E-readiness ranking Crime Fraudulent usage of debitand credit cards on the Internet Victimization rates for pick pocketing and robbery Need for m-payments across payment scenarios MC: Data traffic percentage of the ARPU EC: Percentage of electronic commerce revenue proportional to the overall revenue SMA: Penetration ti of vending machines SMP: Penetration of POS terminals Business issues Debit and credit card merchant service charges 11
12 MoPaMIx Leading countries are from Western Europe Romania Vaild UK 100 Austria measurement: Spain 80 MoPaMIx Greece correlates with Ireland 40 the development Sweden 20 stage 0 Netherlands Note, MoPaMIx is Luxembourg only one criteria Cyprus for a market Portugal entry strategy t Finland Denmark France Slovakia Poland Bulgaria 60 Hungary Czech Republic 20 Belgium Italy Malta Germany Latvia Estonia Lithuania Slovenia Source: wi-mobile (2007) 12
13 Conclusion and Outlook M-payment developments across Europe varies in terms of provider structure and speed No established markets Characteristics of advanced markets M-payment market is dominated by a cooperation between banks and/or mobile operators Besides cost, security and convenience, effective partnering is the major success factor Innovative approaches are in the starting blocks GSMA's Pay-Buy-Mobile initiative Global standard for NFC mobile payments based on credit card infrastructure NFC mobile payment trials of 12 mobile operators in Australia, France, Ireland, Korea, Malaysia, Norway, The Philippines, Singapore, Taiwan, Turkey, and the U.S. 13
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