Taking Prepaid into Account
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1 Welcome to Mobey Forum s Media and Analyst Webinar: Taking Prepaid into Account Tuesday 24 June 2014 The webinar will start at 3pm CET All participants will be placed on mute for the duration of the presentation in order to reduce background noise.
2 Presented by: Welcome to the Webinar Amir Tabakovic, Mobile Wallet Workgroup Chair, Mobey Forum Board member and Head of Market Development at PostFinance. Sirpa Nordlund, Executive Director, Mobey Forum You are invited to submit written questions via the GoToWebinar question function. Questions will be queued and addressed during a 15min Q&A session at the end of the presentation. If there is insufficient time to address all questions, Mobey Forum will respond to each question individually within 24hrs.
3 Most Important First Prepaid is a major driving force in the near future of mobile wallets
4 Prepaid is a container into which valuables can be stored and retrieved using specific methods
5 Source: MasterCard / partners in prepaid
6 Past: Simple but Effective Tool Merchants Means of increasing the brand loyalty of customers Anticipation of future purchases in exchange for store discounts Transport and ticketing services Hong Kong s Octopus prepaid travel card London s Oyster Card MNOs Mainly airtime PAYG accounts have eclipsed their pay monthly counterparts Prepaid mobile money initiatives
7 Mobile Prepaid: A Future Full of Opportunities Enhancing existing physical products via mobile channel Mobile reload / top up Additional channel to improve customer value Interactive channel to get in touch with the users
8 Mobile Prepaid: A Future Full of Opportunities Enhancing existing physical products via mobile channel Mobile reload / top up Additional channel to improve customer value Interactive channel to get in touch with the users Digitisation of existing physical prepaid solutions Replacement or endorsement of the existing solution Host card emulation (HCE)
9 MNO Bank Payment Scheme Merchant has a Winning Combo: HCE + Closed Loop Prepaid
10 Mobile Prepaid: A Future Full of Opportunities Enhancement of existing physical products via mobile channel Mobile reload / top up Additional channel to improve customer value Interactive channel to get in touch with the users Digitisation of existing physical prepaid solutions Replacement or endorsement of the existing solution Host Card Emulation (HCE) Development of new mobile-based prepaid solutions Launching a new mobile-based prepaid solution No need to produce physical cards anymore - is there?
11 Benefits of Mobile Prepaid Customer Benefits Lower entry barriers More control More functionalities Perceived feeling of security Business Benefits Lower entry barriers Lower operational costs More flexibility Business agility Less restrictive regulatory environment
12 Mobile Wallets 1.0: Digitising Leather Wallet Different stakeholders - each of them holding a piece of the puzzle (control points) Each of them is vying to establish a commercially influential position in the value chain Deadlock and market fragmentation Reduced integrative potential and market adoption
13 Mobile Wallets 2.0: Reinventing Commerce Strengthening the brand loyalties of customers Uniquely pleasurable shopping experience Minimising the inconvenience of payment Prepaid: a way to minimise payment disruption Focus on unique advantages to conventional commerce
14 Examples: Reinventing Commerce Starbucks (US, Canada, UK) Apple / itunes (Worldwide) AtB (Norway)
15 Mobile Wallets 2.0: Reinventing Banking Prepaid instead of current account Challenging the banks at their own game Integrated cashback, reward and loyalty schemes of high street and online retailers Prepaid as a model for personal mobile banking Progressive banking customers and NOT underbanked
16 Examples: Reinventing Banking T-Mobile Google Wallet Amex Bluebird Mobile Money
17 Limits of Prepaid (Mobile or not) Mobile or not, it must be loaded No credit, prescribe or interests facilities Not covered by any guarantee scheme (insolvency) No official board of appeal (customer complaints) Those that do not operate on the network of a major payment scheme, may be less frequently accepted by merchants
18 Prepaid Options for Banks Option 1: Deploy an invisible prepaid infrastructure in support of a new service Option 2: Establish a prepaid agent network and resell the products of high profile merchants Option 3: Use prepaid openly and actively Option 4: Play a supporting back-end role to new players in prepaid
19 Examples: Options for Banks Option 1: Danske Bank Option 2: PostFinance Option 3: Use prepaid actively & openly Option 4: CBW Bank
20 Looking to the Future What a Bank Should Consider Mobey Forum predicts: Prepaid a major driving force in the near future of mobile wallets New forms of engagement with the merchant sector (compare to PayPal) Start paying attention to possible disruption of current account and customer relationship Question your own role in the ecosystem Obstacles such as with regulation, operating procedures and legacy systems integration are no good excuse for missing the momentum
21 Special Thanks to the Core Team! Anne K. Shreiner Hans S. Ildstad Thor Ragnar Klevstuen Sarah Kocianski Ville Sointu Kasper Sylvest Olsen Kristian Thure Sørensen André Zölch American Express EVRY EVRY Monitise Ericsson Danske Bank Nets PostFinance
22 Q&A For further information on Mobey Forum please visit us at If you have a media enquiry as follow-up to this webcast, please contact iseepr on +44 (0) or rob@iseepr.co.uk Webinar feedback: mobeyforum@mobeyforum.org
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