Innopay 2012 移动支付报告（英文）

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Contents
Preface ............................................................................................................................... 4
Innopay on mobile payments ............................................................................................... 5
Management summary – My mobile, my wallet? ................................................................. 9
PART 1: GENERAL TRENDS AND DEVELOPMENTS
1 The mobile payments ecosystem explained .............................................................. 12
1.1 Defining mobile payments ...................................................................................... 12
1.2 Mobile payment categories .................................................................................... 13
1.3 Mobile payment enabling technologies ................................................................. 16
1.4 Key stakeholders ..................................................................................................... 18
2 Mobile payments at a tipping point? ........................................................................ 21
2.1 The rise of smartphones ......................................................................................... 22
2.2 Mobile apps adding functionality ........................................................................... 23
2.3 Changing consumer needs ...................................................................................... 24
2.4 The tipping point: we are not there yet ................................................................. 26
3 The hype -or hope- of NFC ........................................................................................ 28
3.1 Drivers for NFC adoption ........................................................................................ 29
3.2 Obstacles to overcome ........................................................................................... 32
3.3 Putting the hype into perspective .......................................................................... 36
PART 2: TRENDS AND DEVELOPMENTS PER REGION
4 Europe: working together on mobile payments ......................................................... 39
4.1 The European mobile payments landscape divided in two .................................... 39
4.2 Multi-stakeholder collaboration on implementing NFC ......................................... 43
4.3 CASE STUDY: CITYZI ACHIEVING NFC IN NICE, FRANCE .......................................... 44
4.4 M-SEPA: collaboration on a European level ........................................................... 46
7 Latin America: the next frontier ................................................................................ 76
7.1 Gap between internet and mobile penetration ..................................................... 77
7.2 Battle between banks and MNOs ........................................................................... 78
7.3 Mobile remittances fail to deliver on promise ....................................................... 81
7.4 Brazil leading the continent .................................................................................... 82
7.5 CASE STUDY: TELEFONICA & MASTERCARD COMBINING FORCES ......................... 83
8 Africa: a success story in banking the unbanked ........................................................ 85
8.1 Still much potential to grow ................................................................................... 85
8.2 Key players are acting ............................................................................................. 88
8.3 The success story of M-PESA .................................................................................. 89
8.4 West Africa on its way to becoming Africa’s hottest market ................................. 90
8.5 CASE STUDY: ORANGE IN WEST-AFRICA ................................................................. 91
5 North America: betting on NFC ................................................................................. 48
5.1 Overview of the North American mobile payments landscape ............................. 48
5.2 Smartphones changing people’s behaviour ........................................................... 52
5.3 Betting on NFC ........................................................................................................ 54
5.4 Alternative contactless methods for proximity payments ..................................... 58
5.5 Mobile phone used as PoS device .......................................................................... 62
5.5.1 CASE STUDY: THE RISE OF SQUARE ........................................................................ 64
6 Asia: a fragmented market ....................................................................................... 65
6.1 Differentiation based on market segmentation ..................................................... 66
6.2 Each service fulfills different needs ........................................................................ 67
6.3 Countries vary between sophisticated and simple services ................................... 71