Preview. Mobile Payments. Payments Strategy Series. A Guide to Planning Your Approach. Price: $150
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1 Payments Strategy Series Mobile Payments A Guide to Planning Your Approach Price: $150
2 WesPay Publications Payments Strategy Series WesPay (Western Payments Alliance) has a long tradition of working with financial institutions in the Western U.S. to promote the use of electronic payments and increase effectiveness through professional development and client support. The Payments Strategy Series is a collection of white papers that examine industry best practices in the areas of payment systems, risk management, customer engagement and revenue growth. These insights are designed to help financial institutions of any size develop comprehensive payments strategies. 2016, WesPay. All rights reserved Montgomery Street, Suite 400 San Francisco CA (415)
3 WesPay Payments Strategy Series Contents Mobile Payments: A Guide to Planning Your Approach 2 Why Mobile Payments? 2 Understanding New Payments Technology 3 The Importance of Market Size 3 Mobile Payments Today: Getting the Numbers Right 4 Expected Growth of Mobile Payments 5 Preparing a Mobile Payments Strategy 6 Planning for Mobile Payments Evolution 7 Types of Mobile Payments 8 What To Do 11 Where Will Payments Go Next? 13 September 2016 Page 1
4 Mobile Payments: A Guide to Planning Your Approach Mobile Payments: A Guide to Planning Your Approach The emergence of the ability to make payments via a mobile phone is an exciting addition to the payments landscape. The staff at WesPay receive a wide range of inquiries from members seeking clarification of terminology, applicability of various rules and regulations, and considerations for operations and risk management. We understand that this is a new opportunity, which can be complicated and sometimes confusing. Our objective in preparing this paper is to help WesPay members better understand the mobile opportunity, recognize the current stage of technology evolution, and provide guidance in developing a mobile payments strategy. WesPay members are invited to discuss this paper or related questions with our payments professionals on the WesPay Payments Hotline at WesPay Advisors provides more extensive assistance and conducts fee based consulting engagements on mobile payments topics. Why Mobile Payments? Much like the emergence of ATMs in the 1980s and internet banking in the 2000s, the mobile phone is a new means for consumers and businesses to access their funds and perform payment transactions. It is an efficient and highly scalable access channel for banks and credit unions to deploy. Discussion of mobile payments as a critical mobile service has increased significantly in the past few years. Mobile payments are also important for banks and credit unions in that they drive more than just payment volume. Financial institutions are realizing that mobile payments are increasingly associated with relevance to the millennial generation. What is important is not just how much of their payment activity Millennials prefer to make using mobile payments, but how likely they are to base an entire banking relationship on the availability and quality of an institution s mobile payments offering. If relationship banking matters, then understanding the role mobile plays in the relationship really matters. Page 2 September 2016
5 WesPay Payments Strategy Series Understanding New Payments Technology Mobile payments rarely move money from one mobile phone to another. Rather the mobile device is the conduit used to initiate the payment and to notify the recipient. The actual transfer of funds typically occurs by credit card, check, ACH or between escrow accounts maintained with an intermediary, such as PayPal, that transfers money from one account to the other. The emergence of digital currencies, or cryptocurrencies employing encrypted units equating to value, could change this paradigm in the future. Mobile payments are often looked at only as a technology, and an understanding of the technology can be useful to a bank or credit union manager. Combining that understanding with an appreciation of how customers and members might benefit from new services, and the potential financial impact on the institution, can help you to make strategic decisions about mobile payments. First, let s agree on a definition: mobile payments are the transfer of monetary value from one person or entity to another in which the initiation of the transfer is made using a mobile phone or device and the notification of the transfer is also delivered to a mobile device. The Importance of Market Size Knowledge of the mobile payments market size and potential provides essential information for estimating revenues from mobile payments. It also impacts the potential relationship benefit for the institution, including customer retention, payments behavior changes, and product cross-selling. There are two statistics that will be important for payments executives to understand in developing a mobile payments product or service approach: How big is the mobile payments market right now? At what rate are mobile payments growing? We will rely on current market data to answer both of those questions. September 2016 Page 3
6 Mobile Payments: A Guide to Planning Your Approach Mobile Payments Today: Getting the Numbers Right When analyzing data from some respected sources, we have identified two important mobile payments facts: current market penetration is low and the rate of growth could accelerate dramatically. The following are example findings from our research: A Deloitte survey concludes that only 5% of people who have a mobile device worldwide make a mobile payment at least weekly and an additional 5% less than weekly. The remaining 90% are still up for grabs. WorldPay believes worldwide ewallet volume will surpass credit card volume by Assuming a 50% annual rate of growth for ewallet mobile payments, this would mean that 6% of all payments are initiated via an ewallet in Given an assumed lower rate of growth of payments in the U.S., we can calculate that this could be 5% or less for the U.S. in A new payment type takes a long time to take share from the existing payment types. It took credit and debit cards twenty-five years to catch up with checks. Accenture, based on a survey, expects that by % of payments in the U.S. will be made digitally (of which mobile payments are a subset.) A Federal Reserve Board of Governors 2015 survey found that 22% of mobile phone owners made at least one mobile payment of some kind in the previous year. Using Pew Research Center s figure that 64% of American adults have a mobile phone, this would yield 14% of U.S. adults having made a mobile payment of some kind in a one-year period. Page 4 September 2016
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