Mobile Payment & Retail Project Maura Turolla, Telecom Italia - Innovazione
The Mobile Wallet: Many services, many providers src: Core wallet Tech, Specificationl, GSMA, 2013 The mobile wallet is a software application on a mobile handset that functions as a digital container for payment cards, tickets, loyalty cards, receipts, vouchers and other items that might be found in a conventional wallet. The mobile wallet enables the user to manage a broad portfolio of mobile (NFC) services from many different companies. src: Reed Peterson, GSMA, 2
src: Core wallet Tech, Specificationl, GSMA, 2013 MNOs digital commerce: key points Technical Means SIM APIs Handsets & SIM Test User Experience Basic Common Features User in Control SP Integration Host of SP Applet Integration with SP app Service Provider On Boarding Facilitate SP on boarding Core Package Differentiation & Interoperability NFC Handset APIs Requirement Specification, Version 4.0, 19 September 2013 GSMA Handset Test Book and Lab Self Accreditation Process November 2013 NFC SP Applet Development Guideline, Version 2.0, 03 October 2013 NFC UICC Requirements Specification Version 4.0 August 2013 NFC Core Wallet Requirements, Version 2.0, 15 August 2013 Service provider Toolkit, Version 1.0, 15 August 2013 3
The mwallet: the phone is my personal hub m-payment m-ticketing Access Boarding Cards Vouchers Loyalty Consumer Couponing @work @city 4
In the Italian market Telcos are carrying out the following activities Infrastructure SIM NFC Smartphones Wallet TSM-MNO Hub Application development on the SIMs (payment, transport, digital ID) Investments in the initiatives of SIM seeding Testing and certification Support in the dissemination of the NFC phones Development of MNO applications Development and integration of technology platforms on legacy systems Payment card life cycle management on the SIMs Set-up, Payment processes Integration between SIA HUB and Telco platforms
Implementation on the pilot-infrastructure Up to date 8 NFC banks-telcos collaboration projects are live in the pilot infrastructure. What have we achieved? Objectives achieved Value for customers Identified GAP between the technology and the infrastructure Industrialized on-boarding process Improved the user experience Impact Market research. All the completed pilots are now moving to the commercial phase Acceptance (e.g.: Setup POS, training, etc) and Best practice Setup processes Time to market from 8 months to 5 weeks Project Governance and actors roles/responsibility
src: Mobile Commerce in Retail, GSMA, 2013 The MNOs Approach: an holystic vision not only for payments Payment Parking/Transport Loyalty Rewards Offers & Coupons 7
Mwallet @ City City Transports Position City cards Monuments information Tickets Payment
Vertical GSMA Project: Retail src: Mobile Commerce in Retail, GSMA, 2013 Define technical specifications for mobile loyalty, couponing, parking, community services within mobile commerce. Develop best practice business references Work with regional teams in Latin America, North, America, Middle East, Asia and Europe Encourage collaboration among: local mobile operators ecosystem providers in the mobile commerce market retailers 9
Mwallet@shops. The consumer journey src: Mobile Commerce in Retail, GSMA, 2013 MNOs through their own mobile wallet can enable a consistent, simpler, richer user experience: both for the retailers and the consumers. The retailers and consumers ask for solutions simple, easy to use and not fragmented Working together to : Enrich the purchase process Reduce the fragmentation Accelerate the time to market Improve and simplify the user experience Industrialize the onboarding process: reduce cost. 10
Thanks! Maura Turolla Telecom Italia Innovazione maura.turolla@telecomitalia.it