NFC Service Launch in Hong Kong. Alex Kun SVP, Product Development and Management Wireless Business

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Robert McBride
5 years ago
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1 NFC Service Launch in Hong Kong Alex Kun SVP, Product Development and Management Wireless Business

2 Latest Contactless Development Landscape

3 Octopus in Hong Kong 21 million cards issued Acceptance covering major public transports and retails 5,400 merchants and 12,000 points of sales Over 65,000 readers deployed including transport

card issued 2 years ago Deploying POS terminals with major banks

4 Card Schemes in Hong Kong VISA More than 1 million paywave cards issued in 5 years 9,000 points of sales Mastercard First PayPass card issued 2 years ago Deploying POS terminals with major banks UnionPay International Actively introducing QuickPass services in HK

5 Contactless Infrastructure Octopus for Transport Octopus 12,000+ POS Staff Card Merchant Loyalty VISA paywave 9,000+ POS China UnionPay QuickPass Mastercard PayPass Integrated Environment Resident Card Merchant Stored Value

6 In the Era of NFC Mobile Payment Hang Seng Bank Octopus HSBC Bank of China HK Major financial institutions in Hong Kong have launched or announced NFC mobile payment services

7 Secure Element Selection Hong Kong is Food Paradise

8 TSM Infrastructure Development SP-TSM Bank Host MNO-TSM SP-TSM Bank Host Member Bank 1 Member Bank 2

9 Beyond Payment Smart-Poster For Advertising

10 Sharing of PCCW-HKT Field Experience

NFC Project Overview Bank Project Scoping Role & Responsibility

Bank Infrastructure Credit Card Product Design & Validation IT

Telecom Infrastructure SIM Card Product Design & Validation

End-to-end Acceptance Testing Market Intelligence User

Plan Definition In-house Training SIM & Handset Sourcing &

11 NFC Project Overview Bank Project Scoping Role & Responsibility Definition Mobile Operator Implementation Integration within Bank Infrastructure Credit Card Product Design & Validation IT Auditing & Compliance (HKMA) Implementation Integration within Telecom Infrastructure SIM Card Product Design & Validation Handset Qualification Compliance (OFCA) Merchant Education End-to-end Acceptance Testing Market Intelligence User Experience Roadshow Customer Service Flow Definition Launch Plan Definition In-house Training SIM & Handset Sourcing & Ordering Customer Education Service Launch Service Review Operation Review T=0 T+1 T+4 T+7

the intention of paying HK Monetary Authority and Bank Association review

12 Wallet Security Design Wallet is PIN protected to avoid unauthorized use Credit card in SIM is not active by Default User has to click Pay to confirm the intention of paying HK Monetary Authority and Bank Association review from time to time to ensure security level to give the greatest confidence to public

13 NFC Roadshow and Results Roadshow organized to introduce NFC and Mobile Payment Service to PCCW-HKT Staffs. 8-day Roadshow in 4 Locations Around 1000 staffs visited; More than 70% registered for New Mobile Payment Services General Feedback or Generally Asked Questions Q1. Easier to lose handset than wallet. High risk? A1. SIM is as secure as credit card. PIN also available to protect from unauthorized use of credit card. Q2. What handsets support the service? A2. Samsung Note II/S3/S4, Sony Xperia Z, HTC One. More under qualification Q3. Only one credit card or only one bank? A3. Same SIM card can host several credit cards from different banks. Other applications are coming. Q4. What make you use NFC? (Questionnaire question to visitor) A4. Convenient and trendy

14 Necessary Cooperation on Service Activation and Customer Support Information Equipment Subscription Installation Usage Customer Support From Bank or MNO, refer customer to each other Compatible handset and SIM; eligibility check by MNO Apply for mobile payment service; process owned by Bank Download (or Preload by MNO) of Wallet Transaction managed by Bank Mobile Users contact MNO to support on Mobile Services

15 Core Values of MNO Efficient Logistic Management of SIM for 15 Years Effective Issuance and Life-cycle Management of SIM Effective Management of Mobile Subscriptions Provision of Security Domain in NFC SIM to Banks Full Understanding of Customers Needs on Smartphone and Mobile Services Promotion of Mobile Services including Mobile Payment Rich Experience in Customer Education for New Services Fast Penetration of NFC-enabled Phones (Service-bundled) Handset Qualification and On-going Management of Handset Firmware Customer Support with Well-trained Staffs

Common Ecosystem Key Success Factors Close cooperation with a wide range of partners (financial institutions, transportation, technical suppliers, MNOs.

16 Common Ecosystem Key Success Factors Close cooperation with a wide range of partners (financial institutions, transportation, technical suppliers, MNOs...) Respect partners core value Open Architecture and Standard NFC Services, Devices, Trusted Service Managers, Secure Element, MNOs... Adopt industry standard Security Personal data must be securely stored in SE and managed via TSM Service should be peace of mind Portability Continuity of services is important when changing handsets Only possible using SIM card as a Secure Element

17 NFC = Not Feasible without Cooperation

18 Thank You!

GSM Association (GSMA) Mobile Ticketing Initiative

GSM Association (GSMA) Mobile Ticketing Initiative Sue Monahan Director - GSMA NA Clif Campbell Lead Member of Technical Staff AT&T April 2010 Content GSM World Today GSMA Overview GSMA M-Ticketing Initiative