Mobile payments are set to make a significant impact on the world of banking and commerce within the next five years. Handsets can now be used to buy online, via ‘swipe’ points in retail outlets, and mobile-to-mobile. The phone can now be used as more than a banking tool – it can serve as the location for the account, hold all the financial information, and be used as the primary security measure. Mobile phones can now be used to buy anything that can be bought with a credit card - and more. Do you know what impact these developments will have on your company? How can you make the most from the potential of m-payments?

The technology is nearly here to enable you to offer these services. In fact, subscribers are increasingly using their handsets as banking tools, and this coupled with the spread of m-payments applications has created many exciting revenue opportunities. How quickly will these services continue to grow? Can you afford to get left behind? This market is expanding and taking first-mover position will be vital to securing your place in it.

The latest visiongain report, M-Payments 2007-2012: Commerce and banking in the mobile world, is amongst the first to provide you with the insight to this growing market area. It examines the opportunities offered by m-payments, and how financial service providers, operators and manufacturers can all get involved to provide profitable m-payment services.

M-payments offer subscribers the opportunity to buy anything, anywhere, using their mobile handsets as a payment method, confirmation of identity and security filter. This offers retailers, vendors and financial service providers a wealth of opportunity to monetize these services. M-payments are likely to follow a similar growth pattern to online shopping – this is an opportunity you simply cannot afford to miss.

By reading this 100+ page report you will understand all of the exciting opportunities that will be available to increase your revenues and brand awareness.
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1. Introduction

1.1 M-commerce

Chart 1.1: Global m-commerce revenue forecast 2004-2008

1.2 Mobile payments defined

1.2.1 Japan leads the field

Chart 1.2: Mobile phone household penetration – selected countries 2006

1.2.2 Reducing reliance on payment cards?

Chart 1.3: US commercial credit card spending forecast 2004-2010

1.2.3 Mobile payments systems

Image 1.1: Mobile wallet network map

1.3 Applications of mobile payments

1.3.1 Forms of m-commerce

Chart 1.4: The mobile payment landscape

1.3.2 Mobile banking

1.3.2.1 Mobile banking in the developing world

1.3.2.2 The potential for mobile banking from network operators

1.4 The advantages & disadvantages of mobile payments

Image 1.2: The e-payment ‘four corner’ model

1.4.1 Benefits

1.4.1.1 Consumer benefits

1.4.1.2 Benefits to retailers

1.4.1.3 Benefits to technology manufacturers

1.4.1.4 Benefits to network operators

1.4.2 Drawbacks

1.4.3 Retailer and customer adoption – the chicken and egg problem.

1.5 Security concerns

1.5.1 Biometric protection

1.5.2 Security is vital to m-commerce adoption

1.6 M-payment technologies

Table 1.1: M-payment technologies comparison

1.6.1 Near Field Communication (NFC)

1.6.1.1 The case for NFC in m-commerce

1.6.2 Radio-frequency identification (RFID)

Image 1.3: An RFID tag

1.6.2.1 RFID in m-payments

Image 1.4: Nokia 3220 with RFID chip

1.6.2.2 Big Brother – privacy concerns regarding RFID

1.6.3 Bluetooth

1.6.3.1 Bluetooth in m-payments

1.6.3.2 Security concerns - Is Bluetooth suited to m-commerce?

1.6.3.2.1 Hacking Bluetooth

1.6.4 IrDA and IrFM standards

1.6.4.1 IrDA security

1.6.5 FeliCa

1.6.5.1 Mobile FeliCa

1.6.6 Barcode scanning

Chart 1.5: Mobile handset features described as highly desirable in Japan

1.7 Prepaid payments



2. The mobile wallet - Card-in-phone technologies

2.1 Visa

Chart 2.1: Visa cards issued in Europe 2000-2006

2.1.1 Visa’s payWave

2.1.2 Visa in m-commerce

Chart 2.2: Contactless payment growth forecast 2006-2011

2.1.3 Visa & Qualcomm

2.2 MasterCard

Chart 2.3: MasterCards issued globally Q1 2001 - Q1 2007

2.2.1 MasterCard PayPass

2.2.1.1 The spread of PayPass

2.2.1.2 Will PayPass prove a success?

Chart 2.4: MasterCard PayPass rollout forecast 2007-2012

2.2.2 MasterCard and security in m-commerce

2.2.3 Visa and MasterCard form the Mobile Payment Forum

2.3 JPMorgan Chase

2.3.1 JPMorgan’s blink

2.3.1.1 Advantages of blink for customers and merchants

2.3.2 Confusion in the US contactless market

Table 2.1: Contactless plans and activity in the US, 2006

2.3.3 TCH and FSTC m-commerce initiative – working towards unity

2.3.4 The growth of contactless payments in the US

Chart 2.5: Contactless payment card forecast in US 2007-2012

2.4 Citi and Nokia’s New York trial

2.4.1 Can m-payments break the chip-and-pin habit?

2.5 SEMOPS

2.5.1 SEMOPS – a new concept in m-payments?

2.5.2 Will SEMOPS become a major player?

2.6 Japan - NTT DoCoMo’s iD mobile wallet

2.6.1 DoCoMo’s iappli

2.6.2 Japan shows the enormous potential for m-payments

Chart 2.6: NTT DoCoMo iD phone forecast: Japan 2007-2012



3. Over-the-air payment systems

3.1. The Internet retail market

Chart 3.1: UK Internet retail growth 2000-2010

Chart 3.2: Global Internet retail growth forecast 2007-2012

3.2 PayPal Mobile

3.2.1 Where does PayPal fit into the m-payment model?

3.2.2 PayPal and the mobile user

3.3 Google Checkout

3.3.1 eBay vs. Google – the online giants clash

3.3.2 Checkout goes mobile

3.4 TextPayMe

3.4.1 Will TextPayMe survive following the launch of PayPal Mobile?

3.5 Obopay

3.5.1 Obopay and the future of OTA payments

Table 3.1: Selected OTA m-payments services compared

3.6 Valista

3.6.1 Valista and w-HA – an m-payments success story?

3.7 Verrus

3.7.1 Verrus - Parking in London

3.7.2 Playing ball – Verrus and Verizon at the game



4. Subscriber billing and micropayments

Chart 4.1: Global contactless payment card shipment forecast 2007-2012

4.1 PayForIt

4.1.1 PayForIt in the m-payments landscape

4.2 OneBip

4.2.1 OneBip in the emerging European m-payment market

4.3 SimPay

4.3.1 Too much too soon? Lessons learned from SimPay

4.4 Danal – integrating m-payments in the Far East

4.4.1 Subscriber billing shows strong growth in Asia

4.5 Mobile Suica - Japan's micropayment Oyster

4.5.1 Suica – Closest to convergence?

4.6 M-ticketing – off the rails

4.6.1 The O2 Wireless festival offers m-tickets

4.6.2 Nokia creates Live Nation – priority m-ticketing

4.6.3 M-ticketing takes flight

4.7 Happy meal - Micropayments at Mcdonald’s



5 Mobile banking

5.1 Mobile banking defined

5.1.1 M-banking versus the mobile bank

5.1.2 M-banking and the ‘cool’ factor

Chart 5.1: US m-banking household penetration forecast 2007-2010

5.2 HSBC and First Direct

5.2.1 Downloaded or preloaded?

5.3 Alliance & Leicester

5.4 US: AT&T & Firethorn

5.4.1 Encouraging Results from AT&T’s BancorpSouth trial

5.4.1.1 Reducing reliance on staff-based services

5.5 M-banking usage in South Africa

Chart 5.2: FNB m-banking transactions by volume

Chart 5.3: FNB m-banking transactions by value

5.6 Citi

5.6.1 Japan - KDDI and Mitsubishi-Tokyo-UFJ launch New Bank

5.8 Prepaid - Access to mobile banking for all

5.8.1 Prepaid spending – a growing market

Chart 5.4: Global prepaid market spend forecast 2010

Chart 5.5: Prepaid market spend forecast 2010 - selected European countries

Chart 5.6: Prepaid domestic market share forecast 2010 - selected European countries

5.8.2 T-Weed - prepaid in the USA

5.9 The mobile phone – a lifeline for world's poor

5.9.1 Mobile banking in the developing world

5.9.2 Vodafone calls for regulation in the developing world

5.10 Person-to-person payments

5.10.1 Gemalto – Europe’s first SMS person-to-person service

5.10.2 Citi’s person-to-person service

5.11 Money transfer

5.11.1 Safaricom Kenya and M-Pesa

5.11.2 Security & money laundering



6 Standardisation

6.1 Is technology diversification a barrier to development?

6.2 Security Issues

Chart 6.1: Reasons for increased sense of security on online banking web sites

6.2.1 The GSMA secure mobile payments standard

6.2.1.1 GSMA’s Korean m-payments trial

6.2.1.2 Handset manufacturers build UICC support

6.3 User identification security

6.3.1 IST’s SecurePhone

6.3.2 AuthenTec and Hitachi’s fingerprint sensor

Image 6.1: Authentec’s fingerprint scanner

6.4 Standardisation as an achievable goal



7 Forecasts & conclusions

Chart 7.1: M-commerce revenue forecast 2007-2012 (excluding digital content)

Table 7.1: Potential revenues generated by operators from m-payment 2007-2012 ($ billions)

7.1 Benefits for the consumer

7.1.1 Drawbacks for the consumer

7.1.2 M-payments and business expenses – the billion pound black hole

7.2 Benefits for retailers and banks

7.2.1 Drawbacks for retailers and banks

Chart 7.2: US online banking growth forecast 2007-2012

7.2.2 The growth of contactless card payments

Chart 7.3: Global contactless card forecast 2007-2012

7.3 Benefits for network operators

7.3.1 Drawbacks for network operators

7.4 Technology and security standardisation

7.4.1 NFC as the future of m-commerce

Chart 7.4: NFC enabled mobile handset forecast 2007-2012





List of companies mentioned in this report:



3

7-Eleven

A1 Bank

Abbey Group

Agilent

Alliance & Leicester

Alltel

Amadeus

American Express

America Online

AOL

Arby’s

AT&T

au

AuthenTec

Barclays

BancorpSouth

Bank of America

Banksys

Base

BB&T

Bharti Telesoft

Boater’s World

Bouygues Telecom

British Airways

Broadcom

Bull Hungary

Burger King

Cellfire

CheckFree

Chiltern Railways

China Mobile

Citi

Citizen’s Bank

Coca-Cola

Columbia Card Services

Comerica

Compaq

Cricket

CrossCheck

CSAM

CVS/Caremark

Danal

Deloitte & Touche

Deutsche Bank

Diners Club

Dolby

dotMobi

eBay

Ecrio

Extended Systems

Firethorn

First Direct

First National Bank (FNB)

Fornax

France Telecom

Fraunhofer FOKUS

Frontier Economics

Garanti Bank

Gemalto

Globe Telecom

Google

Grameen Bank

Groupe d'Economie Mondiale

GTECH

Harex InfoTech

HBOS

Helio

Hewlett-Packard

Hitachi

Hong Kong CSL

HSBC

IDTechEx

In2M

Infineon

Ingenico

Intrasoft

IST

JCB

JPMorgan Chase

KALL

KDDI

Kereskedelmi es Hitelbank (Commercial and Credit Bank Hungary)

KeyBank

KPN

KTF

Kyocera

LaSalle Bank

LG Electronics

Libri

LINK

Link Evolution

Lloyds TSB

MasterCard

Maxis Communications

MBlox

MBNA

Mcdonald’s

MCI

Meijer

Mellon

mFoundry

Microsoft

Mitsubishi-Tokyo-UFJ

Mizuho Bank

MoBeam

Mobilkom Austria

MobiPay

Money Gram

Monitise

Morgan Stanley

Motorola

Movistar

MP3NY

M-Pesa

MTC-Vodafone

MTN

National Bank of Kuwait

National City

NatWest

NEC

New Bank (Shinginko)

Nokia

Nova Bank

Novalog

NTT DoCoMo

NXP Semiconductors

O2

Obopay

OneBip

Oracle

Orange

Oyster

Palm

Panasonic

Pantech

PayCircle

PayForIt

PayPal

Personal Solutions

Piraeus Bank

PNC

Profitrade

QUALCOMM

Raiffeisen Bank

Regal Entertainment

Regions Financial

Ritz Camera

Rogers Wireless

Safaricom

SafePay Systems

Safeway

Samsung

SFR

Sheetz

SimPay

SingTel

SK Telecom

Smart Communications

Smart SMS

Societe Generale

Softbank

Sony

Sprint Nextel

SSB

Starbucks

Suica

Sumitomo Mitsui Bank

SunTrust

Symbian

Telecom Italia (TIM)

Telefonica Moviles Espama

Telenor

TeliaSonera

Tesco

Texas Instruments

TextPayMe

T-Mobile

Toshiba TEC

Turkcell

Unify Media Group

US Bank

Valista

VH-1

Virgin

Verifone

Verizon

Verrus

Vimpelcom

Visa

ViVOtech

Vodafone

Vodafone-Panafon

Wachovia

Walgreen

Wawa

Wells Fargo

Westel Mobil

Western Union

w-HA

Wikipedia

Wind

WIT-Software

Xringer

YourRail

Zagat

ZiLOG
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