"Apple´s smart moves in mobile payment"

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Information about "Apple´s smart moves in mobile payment"
Business & Mgmt

Published on March 19, 2014

Author: Thomas203

Source: slideshare.net

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Presentation of speech on "Apple´s Smart Moves in Mobile Payment," held by Thomas Lerner; at the Bankingclub-Conference at the 18th March 2014 in Cologne;
Contents: Opinion, Quotes on Apple, Facts Apple and Mobile Payment, Passbook, Touch ID, impact of China, strategy; evaluation, expectation, recommendation

© 2013 ECC International “One more thing” (Apple´s Smart Moves in Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Passbook: “Barcode Payment Container”Passbook: “Barcode Payment Container” Fingerprint Sensor: Touch IDFingerprint Sensor: Touch ID Questions / Opinion / QuotationsQuestions / Opinion / Quotations Factor: StrategiesFactor: Strategies Innovation / Patents / ExamplesInnovation / Patents / Examples Evaluation / Expectations / Requirements for banksEvaluation / Expectations / Requirements for banks Facts: Apple / Mobile PaymentFacts: Apple / Mobile Payment BLE / iBeaconsBLE / iBeacons Factor: ChinaFactor: China Agenda

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Apple will become a bank? Apple misses in 2011 the access to the Payments-Market Apple´s best days are behind it ! NFC-Technology isn´t still implemented? Apple´s closed ECO-System isn´t appropriate for Mobile Payments Android´s open strategy will be Apple´s death knell ! Tim Cook: „Mobile Payment via Touch ID is on the way.“ Questions/ Opinion / Qutations

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Facts: Apple / Mobile Payment • 600 Million iTunes User (5x PayPal, 3,4x Amazon….) • 500.000 additional User/Day • 66% Mobile / M-Commerce-Spendings in US (iOS) • 60% Mobile Banking-Downloads in Germany (iOS) • Developer love iOS • Black Friday 2013: iPAD, iPod, iPhone • M-POS startups love Apple devices • Apple owns the end of the Payment Value Chain (Customers/Retailer)

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Latest Facts Apple (Tim Cook) • Best iPhone / iPad Quarter ever • Highest corporate revenue in history • Overall Revenue 37,9% • 51 Million iPhones sold • NTT Docomo responsible for sales success in Japan • 41% of Smartphone customers in USA (iPhone) • 57% mobile Web Access in China (iOS) • 90% loyal iPhone • 96% are satisfied with iPhone.

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner • Autom 2012 • Store Barcode Coupons, Tickets…. • Access for Brands: PASS API • > 100 Brands • > 150 Brands (PASS-enabled Coupons) Coupon Campagne of Harvester / UK: Exceeding expections Passbook: „Barcode Payment Container“

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner • Security: Major barrier • Direct influence on adoption • Efficient, fast access + Authentification • Storage of Hash / not Fingerprint Customer centric / accepted biometric technology? What is important for biometric authentification? Requirements of banks and retailers? Influence on adoption for Online Banking? Appropriate for Online-Commerce? Fingerprint Sensor: Touch-ID

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner BLE / iBeacons • Introduction: Sep/13 • GPS within Stores • Marketing / Integration in CRM / Payment-Services • Answer: Internet of Things • Connected Applications • Macy´s, MLB, Super Bowl • Yapital

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner • 1,6 Trillion US-Dollar • Transaction growth: 213% • Value of transactions 317% • 500 Milliion Mobile Internet User • Most importante future market of Apple • China Mobile: NFC-Payments • Mobile Payment-Platform for Banks (NFC) Factor: China

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Factor: Strategies • Successful device strategy • Consumer • Retailer • Technology strategy • BLE / iBeacons • NFC • Change: closed – open model • Roles: Hardware delivery, tailored Services, TSM, White Label Platform, Bank

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Innovation / Patents / Examples • Covering Payments for goods through a signal sent from a phone to a wireless receiver (Jan/14) • Body coupled communication (Sep/13) • Sensor that combined biometrics with NFC technology (Jul/13) • Method and system for managing credits via a mobile device (Jun/13)

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Evaluation • Apple owns most options in Mobile Payment • Roles • Revenue options • Patents • Uses Mobile Payment in his own shops • Apple: Game Changer Potential • Financial Power • Customer potential • Customer / Retailer • Experience Multisided Platform • Innovation strategy : Problem solver • Smart moves before Launch

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Expectation • Apple will integrate NFC in his devices • Patents • China / Markets • Penetration • Additional Options BLE: Internet of Things, Marketing… • Apple won´t be a „World Bank“ • Apple position in central roles (Eco-System / Collabo- ration )

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner Requirements • Design and setup digital strategies / Mobile Banking / Services and Launch (short term) • Design Mobile Payment strategy • Corporate • Konsortium • Regulation / Banking Association • Mobile Readyness • Launch der Mobile Payment ECO-System / solution

© 2013 ECC International “One more thing” (Apple´s Schachzüge im Mobile Payment) Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 Thomas Lerner

© 2013 ECC International Bankingclub-Konferenz: „Next Generation Payment 2014“ Köln, 18. März 2014 LMC Wilhelm-Schrohe-Straße 10 55128 Mainz / Germany Thomas Lerner Author, Management Consultant (Mobile Banking/Payment/Marketing) Tel. +49 (0) 6131 337569 Mobil. : +49 (0) 170 8327849 E-Mail: tk.lerner@web.de Linkedin: 1312mainz1979 Twitter / Xing Internet: www.thomas-lerner.de Contact

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