行動付款市場預測：2007年至2012年

Abstract

The spread of mobile payments and banking in Europe is dependent on Near Field Communications - and network operators must take the NFC plunge and must make it now.

Mobile payments are set to make a significant impact on the world of banking and commerce within the next five years. Handsets can now be used to buy online, via ‘swipe’ points in retail outlets, and mobile-to-mobile. However, the phone can be used as more than a banking tool - it can serve as the location for the account, hold all the financial information, and be used as the primary security measure.

The GSM Association reports that operators serving 40 per cent of the world' s subscribers are working on contactless m-payments systems. Based on predictions that two billion mobile handsets will be shipped in 2012, visiongain predicts that 22.5 per cent of these will be NFC enabled - meaning 450 million NFC handsets will be shipped in 2012.

Mobile phones can now be used to buy anything that can be bought with a credit card - and more. Do you know what impact these developments will have on your company? How can you make the most from the potential of m-payments? You should and by reading this in-depth management report you can give yourself first-mover advantage. Order your copy today.

By reading this exclusive management report you will be kept totally informed of:

• What are the most innovative forms of m-payments available and which generate the most revenue?
• Understand why m-payments and banking will be critical to mobile development?
• Who should you be aligning yourself with m-payments and what are they doing?
• How can you make a success of mass market proposition in Europe and North America?
• Which technologies will become most successful, why and how you can be a part of it?

Find out the answers to these and many other questions by buying this vital industry insight.

The technology is nearly here to enable you to offer these services. In fact, subscribers are increasingly using their handsets as banking tools, and this coupled with the spread of m-payments applications has created many exciting revenue opportunities. How quickly will these services continue to grow? Can you afford to get left behind? This market is expanding and taking first-mover position will be vital to securing your place in it.

M-payments offer subscribers the opportunity to buy anything, anywhere, using their mobile handsets as a payment method, confirmation of identity and security filter. This offers retailers, vendors and financial service providers a wealth of opportunity to monetize these services. M-payments are likely to follow a similar growth pattern to online shopping - this is an opportunity you simply cannot afford to miss.

By reading this 100+ page report you will understand all of the exciting opportunities that will be available to increase your revenues and brand awareness.

M-payments have great potential due to the relationship between a mobile subscriber and their handset, where the mobile device is often with the end-user for most of their waking time. With mobile penetration reaching 100 per cent in many developed markets, the mobile phone will soon be in virtually everyone' s pocket. Payments and banking are currently major areas of growth in the mobile world and these are set to become even more specialised than they are at the moment. Do you understand this market? Do you know how it will develop? Is this an issue that you need to act on and find out about now?

Who needs to read this report

Directors, VP and Senior managers in:

• Mobile/ Cellular carriers and operators
• Banks and credit card companies
• Financial services providers
• Handset manufacturers
• Mobile handset security providers
• M-ticketing providers
• Brands looking to tap into the mobile audience

If you work for any of the above companies then you really need to get to grips with this concept before you get left behind. Act today and order your copy of this innovative report.

Table of Contents

1. Introduction

• 1.1 M-commerce
  • Chart 1.1: Global m-commerce revenue forecast 2004-2008
• 1.2 Mobile payments defined
  • 1.2.1 Japan leads the field
    • Chart 1.2: Mobile phone household penetration - selected countries 2006
  • 1.2.2 Reducing reliance on payment cards?
    • Chart 1.3: US commercial credit card spending forecast 2004-2010
  • 1.2.3 Mobile payments systems
    • Image 1.1: Mobile wallet network map
• 1.3 Applications of mobile payments
  • 1.3.1 Forms of m-commerce
    • Chart 1.4: The mobile payment landscape
  • 1.3.2 Mobile banking
    • 1.3.2.1 Mobile banking in the developing world
    • 1.3.2.2 The potential for mobile banking from network operators
• 1.4 The advantages & disadvantages of mobile payments
  • Image 1.2: The e-payment ‘four corner’ model
  • 1.4.1 Benefits
    • 1.4.1.1 Consumer benefits
    • 1.4.1.2 Benefits to retailers
    • 1.4.1.3 Benefits to technology manufacturers
    • 1.4.1.4 Benefits to network operators
  • 1.4.2 Drawbacks
  • 1.4.3 Retailer and customer adoption - the chicken and egg problem.
• 1.5 Security concerns
  • 1.5.1 Biometric protection
  • 1.5.2 Security is vital to m-commerce adoption
• 1.6 M-payment technologies
  • Chart 1.5: M-payment technologies comparison.
  • 1.6.1 Near Field Communication (NFC)
    • 1.6.1.1 The case for NFC in m-commerce
  • 1.6.2 Radio-frequency identification (RFID)
    • Image 1.3: An RFID tag
    • 1.6.2.1 RFID in m-payments
      • Image 1.4: Nokia 3220 with RFID chip
    • 1.6.2.2 Big Brother - privacy concerns regarding RFID
  • 1.6.3 Bluetooth
    • 1.6.3.1 Bluetooth in m-payments
    • 1.6.3.2 Security concerns - Is Bluetooth suited to m-commerce?
      • 1.6.3.2.1 Hacking Bluetooth
  • 1.6.4 IrDA and IrFM standards
    • 1.6.4.1 IrDA security
  • 1.6.5 FeliCa
    • 1.6.5.1 Mobile FeliCa
  • 1.6.6 Barcode scanning
    • Chart 1.6: Mobile handset features described as highly desirable in Japan
• 1.7 Prepaid payments

2. The mobile wallet - Card-in-phone technologies

• 2.1.1 Visa
  • Chart 2.1: Visa cards issued in Europe 2000-2006
• 2.1.1 Visa' s payWave
• 2.1.2 Visa in m-commerce
  • Chart 2.2: Contactless payment growth forecast 2006-2011
• 2.1.3 Visa & Qualcomm
• 2.2 MasterCard
  • Chart 2.3: MasterCards issued globally Q1 2001 - Q1 2007
  • 2.2.1 MasterCard PayPass
    • 2.2.1.1 The spread of PayPass
    • 2.2.1.2 Will PayPass prove a success?
      • Chart 2.4: MasterCard PayPass rollout forecast 2007-2012
  • 2.2.2 MasterCard and security in m-commerce
  • 2.2.3 Visa and MasterCard form the Mobile Payment Forum
• 2.3 JPMorgan Chase
  • 2.3.1 JPMorgan' s blink
    • 2.3.1.1 Advantages of blink for customers and merchants
  • 2.3.2 Confusion in the US contactless market
    • Table 2.1: Contactless plans and activity in the US, 2006
  • 2.3.3 TCH and FSTC m-commerce initiative - working towards unity
  • 2.3.4 The growth of contactless payments in the US
    • Chart 2.5: Contactless payment card forecast in US 2007-2012
• 2.4 Citi and Nokia' s New York trial
  • 2.4.1 Can m-payments break the chip-and-pin habit?
• 2.5 SEMOPS
  • 2.5.1 SEMOPS - a new concept in m-payments?
  • 2.5.2 Will SEMOPS become a major player?
• 2.6 Japan - NTT DoCoMo' s iD mobile wallet
  • 2.6.1 DoCoMo' s iappli
  • 2.6.2 Japan shows the enormous potential for m-payments
    • Chart 2.6: NTT DoCoMo iD phone forecast: Japan 2007-2012

3. Over-the-air payment systems

• 3.1. The Internet retail market
  • Chart 3.1: UK Internet retail growth 2000-2010
  • Chart 3.2: Global Internet retail growth forecast 2007-2012
• 3.2 PayPal Mobile
  • 3.2.1 Where does PayPal fit into the m-payment model?
  • 3.2.2 PayPal and the mobile user
• 3.3 Google Checkout
  • 3.3.1 eBay vs. Google - the online giants clash
  • 3.3.2 Checkout goes mobile
• 3.4 TextPayMe
  • 3.4.1 Will TextPayMe survive following the launch of PayPal Mobile?
• 3.5 Obopay
  • 3.5.1 Obopay and the future of OTA payments
    • Table 3.1: Selected OTA m-payments services compared
• 3.6 Valista
  • 3.6.1 Valista and w-HA - an m-payments success story?
  • 3.6.2 Verrus
  • 3.6.3 Verrus - Parking in London
  • 3.6.4 Playing ball - Verrus and Verizon at the game

4. Subscriber billing and micropayments

• Chart 4.1: Global contactless payment card shipment forecast 2007-2012
• 4.1 PayForIt
  • 4.1.1 PayForIt in the m-payments landscape
• 4.2 OneBip
  • 4.2.1 OneBip in the emerging European m-payment market
• 4.3 SimPay
  • 4.3.1 Too much too soon? Lessons learned from SimPay
• 4.4 Danal - integrating m-payments in the Far East
  • 4.4.1 Subscriber billing shows strong growth in Asia
• 4.5 Mobile Suica - Japan' s micropayment Oyster
  • 4.5.1 Suica - Closest to convergence?
• 4.6 M-ticketing - off the rails
  • 4.6.1 The O2 Wireless festival offers m-tickets
  • 4.6.2 Nokia creates Live Nation - priority m-ticketing
  • 4.6.3 M-ticketing takes flight
• 4.7 Happy meal - Micropayments at Mcdonald' s

5 Mobile banking

• 5.1 Mobile banking defined
  • 5.1.1 M-banking versus the mobile bank
  • 5.1.2 M-banking and the ‘cool’ factor
    • Chart 5.1: US m-banking household penetration forecast 2007-2010
• 5.2 HSBC and First Direct
  • 5.2.1 Downloaded or preloaded?
• 5.3 Alliance & Leicester
• 5.4 US: AT&T & Firethorn
  • 5.4.1 Encouraging Results from AT&T' s BancorpSouth trial
    • 5.4.1.1 Reducing reliance on staff-based services
• 5.5 M-banking usage in South Africa
  • Chart 5.2: FNB m-banking transactions by volume
  • Chart 5.3: FNB m-banking transactions by value
• 5.6 Citi
  • 5.6.1 Japan - KDDI and Mitsubishi-Tokyo-UFJ launch New Bank
• 5.8 Prepaid - Access to mobile banking for all
  • 5.8.1 Prepaid spending - a growing market
    • Chart 5.4: Global prepaid market spend forecast 2010
    • Chart 5.5: Prepaid market spend forecast 2010 - selected European countries
    • Chart 5.6: Prepaid domestic market share forecast 2010 - selected European countries
  • 5.8.2 T-Weed - prepaid in the USA
• 5.9 The mobile phone - a lifeline for world' s poor
  • 5.9.1 Mobile banking in the developing world
  • 5.9.2 Vodafone calls for regulation in the developing world
• 5.10 Person-to-person payments
  • 5.10.1 Gemalto - Europe' s first SMS person-to-person service
  • 5.10.2 Citi' s person-to-person service
• 5.11 Money transfer
  • 5.11.1 Safaricom Kenya and M-Pesa
  • 5.11.2 Security & money laundering

6 Standardisation

• 6.1 Is technology diversification a barrier to development?
• 6.2 Security Issues
  • Chart 6.1: Reasons for increased sense of security on online banking web sites
  • 6.2.1 The GSMA secure mobile payments standard
    • 6.2.1.1 GSMA' s Korean m-payments trial
    • 6.2.1.2 Handset manufacturers build UICC support
• 6.3 User identification security
  • 6.3.1 IST' s SecurePhone
  • 6.3.2 AuthenTec and Hitachi' s fingerprint sensor
    • Image 6.1: Authentec' s fingerprint scanner
• 6.4 Standardisation as an achievable goal

7 Forecasts & conclusions

• Chart 7.1: M-commerce revenue forecast 2007-2012 (excluding digital content)
• Table 7.1: Potential revenues generated by operators from m-payment 2007-2012 ($ billions)
• 7.1 Benefits for the consumer
  • 7.1.1 Drawbacks for the consumer
  • 7.1.2 M-payments and business expenses - the billion pound black hole
• 7.2 Benefits for retailers and banks
  • 7.2.1 Drawbacks for retailers and banks
    • Chart 7.2: US online banking growth forecast 2007-2012
  • 7.2.2 The growth of contactless card payments
    • Chart 7.3: Global contactless card forecast 2007-2012
• 7.3 Benefits for network operators
  • 7.3.1 Drawbacks for network operators
• 7.4 Technology and security standardisation
  • 7.4.1 NFC as the future of m-commerce
    • Chart 7.4: NFC enabled mobile handset forecast 2007-2012

Organisations Listed

• 7-Eleven
• A1 Bank
• Abbey Group
• Agilent
• Alliance & Leicester
• Alltel
• Amadeus
• American Express
• America Online
• AOL
• Arby' s
• AT&T
• au
• AuthenTec
• Barclays
• BancorpSouth
• Bank of America
• Banksys
• Base
• BB&T
• Bharti Telesoft
• Boater' s World
• Bouygues Telecom
• British Airways
• Broadcom
• Bull Hungary
• Burger King
• Cellfire
• CheckFree
• Chiltern Railways
• China Mobile
• Citi
• Citizen' s Bank
• Coca-Cola
• Columbia Card Services
• Comerica
• Compaq
• Cricket
• CrossCheck
• CSAM
• CVS/Caremark
• Danal
• Deloitte & Touche
• Deutsche Bank
• Diners Club
• Dolby
• dotMobi
• eBay
• Ecrio
• Extended Systems
• Firethorn
• First Direct
• First National Bank (FNB)
• Fornax
• France Telecom
• Fraunhofer FOKUS
• Frontier Economics
• Garanti Bank
• Gemalto
• Globe Telecom
• Google
• Grameen Bank
• Groupe d' Economie Mondiale
• GTECH
• Harex InfoTech
• HBOS
• Helio
• Hewlett-Packard
• Hitachi
• Hong Kong CSL
• HSBC
• IDTechEx
• In2M
• Infineon
• Ingenico
• Intrasoft
• IST
• JCB
• JPMorgan Chase
• KALL
• KDDI
• Kereskedelmi es Hitelbank (Commercial and Credit Bank Hungary)
• KeyBank
• KPN
• KTF
• Kyocera
• LaSalle Bank
• LG Electronics
• Libri
• LINK
• Link Evolution
• Lloyds TSB
• MasterCard
• Maxis Communications
• MBlox
• MBNA
• Mcdonald' s
• MCI
• Meijer
• Mellon
• mFoundry
• Microsoft
• Mitsubishi-Tokyo-UFJ
• Mizuho Bank
• MoBeam
• Mobilkom Austria
• MobiPay
• Money Gram
• Monitise
• Morgan Stanley
• Motorola
• Movistar
• MP3NY
• M-Pesa
• MTC-Vodafone
• MTN
• National Bank of Kuwait
• National City
• NatWest
• NEC
• New Bank (Shinginko)
• Nokia
• Nova Bank
• Novalog
• NTT DoCoMo
• NXP Semiconductors
• O2
• Obopay
• OneBip
• Oracle
• Orange
• Oyster
• Palm
• Panasonic
• Pantech
• PayCircle
• PayForIt
• PayPal
• Personal Solutions
• Piraeus Bank
• PNC
• Profitrade
• QUALCOMM
• Raiffeisen Bank
• Regal Entertainment
• Regions Financial
• Ritz Camera
• Rogers Wireless
• Safaricom
• SafePay Systems
• Safeway
• Samsung
• SFR
• Sheetz
• SimPay
• SingTel
• SK Telecom
• Smart Communications
• Smart SMS
• Societe Generale
• Softbank
• Sony
• Sprint Nextel
• SSB
• Starbucks
• Suica
• Sumitomo Mitsui Bank
• SunTrust
• Symbian
• Telecom Italia (TIM)
• Telefonica Moviles Espama
• Telenor
• TeliaSonera
• Tesco
• Texas Instruments
• TextPayMe
• T-Mobile
• Toshiba TEC
• Turkcell
• Unify Media Group
• US Bank
• Valista
• VH-1
• Virgin
• Verifone
• Verizon
• Verrus
• Vimpelcom
• Visa
• ViVOtech
• Vodafone
• Vodafone-Panafon
• Wachovia
• Walgreen
• Wawa
• Wells Fargo
• Westel Mobil
• Western Union
• w-HA
• Wikipedia
• Wind
• WIT-Software
• Xringer
• YourRail
• Zagat
• ZiLOG