Smart Card Alliance Payments and Transportation Councils Summit
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1 Smart Card Alliance Payments and Transportation Councils Summit Spencer White Director, Mobile Financial Services AT&T Mobility & Consumer Services February 26, 2009 (c) 2007 AT&T Intellectual Property. All rights reserved. AT&T and the AT&T logo are
2 AT&T: Your World Delivered Page 2
3 Mobile is Mainstream and Very Personal 85+% U.S. Market Penetration and Growing More people with mobile phones than credit cards Consumers 2X likely to carry mobile phone than cash* 4X for Age Group Highly Personal, Trusted, and Ever-Present Mobile Phones have become fashion statements and status symbols Personal: Custom Ringtones, Content, and Accessories Trusted as a lifeline and for storing private & personal information Study: Avg. person notices Wallet 24 hours ; Phone 17 minutes Multifunctional; Continuously Evolving to Do More Music, TV, Video, Navigation, Advertising, Banking And soon, Payments Voice Messaging Internet Photo/Video Television Music Games GPS Social Networks Mobile Banking Mobile Wallet Clock Etc. Page 3 * Source: Visa USA
4 Mobile s Unique Proposition for Money Mobile, more than any other channel, service or technology, provides consumers with a direct conduit between impulse and action Mobile Gives Money Graphical User Interface + = Alpha-Numeric Input Robust Computing Platform Secure Storage Interactive Data Network Location Information Unprecedented Convenience Page 4
5 MFS as Outgrowth of Existing M-Commerce AT&T Mobility has been laying the foundation for MFS for over 8 years Timeline Milestone Partners 2001: Direct to Consumer Downloadable Sales Begin QPass 2004: Third Party Content Sales Begin Various Aggregator Partners 2005: Internal Mobile Payment Trials OboPay, TextPayMe, Others NFC Proof of Concept Trial Chase, Visa 2006: Mobile Banking Partnership Announced Firethorn NFC User Experience Trial Citi, MasterCard Mobile Banking Trial BanCorp South Initial Banking Partners Signed Wachovia, Regions Bank SunTrust, Synovus BanCorp South 2007: Mobile Banking Commercial Launch (Q4) Citi, Chase, Wachovia, Regions, SunTrust, Synovus, USAA, Etc. 2008: Launched Mobile Banking on iphone Unlike current M-Commerce business, the MFS ecosystem is much more broad and complex. AT&T is engaged in MFS ecosystem development. GSMA, NFC Forum, OMA, MMA, Etc. Led Formation of Inter-Carrier MFS Working Group through CTIA Currently Engaged in Broad Inter- and Intra-Industry Ecosystem Discussions Page 5
6 Mobile Banking: Launched November 2007 Mobile Banking Application Partnered with Firethorn (a Qualcomm Co.) Supported on ~75% of AT&T Handset Base 70 Models Total; 30+ w/ Pre-Loaded App Supports Multiple Financial Service Providers 5 Top Ten Banks Live Chase, Citi, Wachovia, Regions SunTrust Others include Synovus, USAA, etc. Over 130M DDA and Card Accounts Accessible by EOY 08 Single Sign-On for Consumer Speed/Convenience Aggregated Top View w/ Brand-Specific Drill Downs Pre-Cursor to Mobile Wallet Focus: Account Management Functionality: Balance Inquiry, Transaction History, Intra-Bank Transfers, Bill Presentment, Bill Payment Page 6
7 Consumer Interest in M-Payments is Strong Trial Results AT&T has conducted two successful NFC Trials Consumer feedback very positive Technology works well Survey Results 1500 participant survey recently completed 58% indicated strong interest; 70+% for age group (Responses: Extremely, Very Likely to Use) Coupon/Loyalty received strong interest as well Third Party Confirmation (Visa Study) 61% of consumers ages 25 to 34 are interested in making purchases with their mobile phones 65% are interested in receiving coupons via their mobile phones 58% willing to switch banks for mobile payment (ages 18-24) Citi/MasterCard Post-Trial Results 92% Very Satisfied 88% would continue to use service after trial Efficient (75%) and Cutting Edge (70%) top descriptors 70% stated Secure to make purchases and Reliable to make purchases Buzz Worthy 98% talked to friends and family about trial phone Avg Spend in Pharmacy: $42 #1 Complaint: Not accepted in enough places (44%) Page 7
8 Beyond Cash Displacement (AT&T-Ericsson Qualitative Study Data) Maximum Mobile Wallet Purchase (Mobile Wallet Acceptors ) Likelihood of Using Mobile Wallet for Various Purchases (% Extremely/Very Likely) (Mobile Wallet Acceptors ) Page 8
9 Tender Type Preference (AT&T-Ericsson Qualitative Study Data) Mobile Wallet Payment Type Preferences (Acceptors) Page 9
10 Smart Card Alliance Payments and Transportation Councils Summit Spencer White Director, Mobile Financial Services AT&T Mobility & Consumer Services February 26, 2009 (c) 2007 AT&T Intellectual Property. All rights reserved. AT&T and the AT&T logo are
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