超越 M 商務的行動錢包

Abstract

One of the so-called "killer apps" from the late 1990s was m-commerce, a concept that fell completely flat even before the dot-com meltdown. However, the mobile wallet is a much different application that includes elements of mobile transactions, as well as other items one may find in a leather wallet, such as membership cards, loyalty cards, and other forms of identification. The most important benefit, though, may be technology that permits content discovery on mobile phones.

In-Stat believes that 10 to 25 million subscribers in North America could be using mobile wallets by 2011.

This report includes the results of a 1,200-response survey of attitudes toward mobile transactions by US mobile subscribers, optimistic and expected forecasts of mobile wallet users through 2010 and descriptions of carrier experiences and trials in the US and Japan.

Who should read this report? Anybody who is involved in the mobile or transaction processing ecosystems, including: -Mobile carriers -Semiconductor vendors -Mobile handset vendors -Mobile application vendors -Banks and credit card processing companies -Point-of-sale terminal makers -Merchants with mobile and online operations

Table of Contents

• Executive Summary
• Introduction
  • Examples
• Mobile Payments and Transaction
• Content Discovery
• Experience and Trials
  • Mobile Wallet in Japan
    • How It Works
    • Mobile Wallet Ecosystem in Japan
  • Trial: Cingular Wireless/Nokia/Philips (US)
• Technology and Vendor Alignment
  • FeliCa
  • MIFARE
  • NFC Forum
  • Other Technologies
    • RFID (Transaction)
    • Picture Recognition (Content Discovery)
    • QR Bar Codes (Content Discovery and Transaction)
• US Consumer Attitudes
  • Barriers and Drivers
  • Profiles
    • Handsets, Carriers, Spending, and Demographics
  • Most Likely Adopters
• Prospects for Mobile Wallet Adoption
  • Asia
  • US
  • Forecasts
    • Optimistic Forecast
    • Expected Forecast
• Conclusions
• Appendix
  • Companies Interviewed for this Report
  • Survey Questions
• List of Tables
  • Table 1. FeliCa Users
  • Table 2. MIFARE Users
  • Table 3. Ranking of Mobile Wallet Adoption Barriers (Sort: Most Important)
  • Table 4. Profiles of Most and Least Likely Adopters of Mobile Wallet
  • Table 5. Monthly Wireless Spending by Interest in Mobile Wallet
  • Table 6. Barriers to Adoption by Interest in Mobile Wallet (Significant Differences Highlighted)
  • Table 7. Expected Frequency of Mobile Wallet Transactions
  • Table 8. Most Important Drivers for Mobile Wallet (by Interest)
  • Table 9. Optimistic Mobile Wallet Users Forecast--North America, 2006--2010
  • Table 10. Expected Mobile Wallet Users Forecast--North America, 2006--2010
• List of Figures
  • Figure 1. Optimistic and Expected Mobile Wallet Users--North America 2006--2010 (Users in Thousands)
  • Figure 2. Interest in Mobile Wallet Transactions
  • Figure 3. QR Bar Code
  • Figure 4. Barriers to Adoption, Most Likely vs. Least Likely Adopters
  • Figure 5. Technology Diffusion Characteristics of Respondents
  • Figure 6. Monthly Wireless Spending by Technology Diffusion Characteristics Respondents
  • Figure 7. Preferred Transaction Account
  • Figure 8. Optimistic and Expected Mobile Wallet Users--North America, 2006--2010 (Users in Thousands)