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數位記憶體：免接觸式付款卡片和行動付款的融合

Digital Money: The Convergence of Contactless Card and Mobile Payment

出版商	ARCchart
出版日期	2011年07月	商品編碼	206588
內容資訊	英文 80 Pages
價格	US $ 1626 Hard Copy US $ 2443 PDF by E-mail (Single User License)

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數位記憶體：免接觸式付款卡片和行動付款的融合 是由出版商ARCchart在2011年07月所出版的。這份英文市場調查報告書包含80 Pages 價格從美金1626起跳。

簡介

各國政府及金融機構、銷售商店為減少現金的使用所實施的策略中、小額交易的領域中數位記憶體為普遍的付款方法。卡片接近讀卡機的付款免接觸付款卡片、在此展望的實現中需到某些程度的貢獻、其發行張數在2011年底預計達卡片整體的6％相當於3億9,600萬張。但是、並非單純為付款的功能、而是能提供附加價值付高服務的的技術、要實現此可能的方法都聚集在行動設備上。

本報告書內容包括:卡片基礎的免接觸式付款系統和近距離無線通訊規格NFC對硬的行動設備融合的觀點來詳細分析數位記憶體技術、有希望的商業模式及新的商業機會等展望、內容綱要摘記如下:

本報告書所舉出的主題

卡片基礎及NFC對應的行動數位記憶體服務所推動的組織
保護使用者的交易之安全對策
免接觸付款功能和各種服務功能統合行動端子在設計上的選項
網路企業對既存企業所發揮的可破壞力
卡片和NFC對應行動付款服務業界的生態系列
行動NFC付款服務的有力企業介紹
行動NFC服務相關企業的策略提議
行動NFC對應服務的銷售額展望
市場規模和預測

本報告書所舉出的企業和組織

American Express
Apple
AT&T
Avea
Barclaycard
Bouygues Telecom
Caffe Nero
Cardis
China Unicom
Consult Hyperion
Directel
Garanti Bank
Gemalto
Google
HP
Hypercom
KDDI
Korea Telecom
LG
London Underground
MasterCard
McDonalds
mFoundry
Microsoft
Morrison
Motorola
Nokia
NTT Docomo
NXP
O2
Orange
PC World
RIM
Sagem
Sainsbury
Samsung
SFR
SK Telecom
Softbank
Sony Ericsson
Starbucks
Telefonica
T-Mobile
TwinLinx
Verizon
Visa
VIVOtech
Vodafone

本報告書針對以下的問題點提示其回答及選項

何謂數位記憶體
2015年所出貨的免接觸式卡片和NFC對應設備的數量
到目前為止NFC所無法成功的理由
2015年時的NFC對應智慧型電話的比例
2015年時免接觸式付款系統（卡片和行動電話）的使用者數
今後數位記憶體市場發展之道
可應用開發企業來說的商業機會領域
各種商業用途中數位金錢所使用的時期
數位市場中成為勝者的企業和敗者的企業

All over the world governments, financial institutions, and merchants are taking measures to reduce the use of cash. Digital money is set to become the norm for low value transactions. At present, this goal is partly being achieved through the use of card-based proximity payment methods. However, to be truly successful digital money needs to evolve beyond a mere payment method into a source of benefit for individuals based around value-added services. This can only be attained through the use of mobile devices.

The number of contactless cards is set to reach 396 million by the end of 2011, equaling just 6% of all cards in circulation, and few of these cards offer value-added services other than links to loyalty schemes. By contrast, there are approximately 5.1 billion mobile users worldwide and this is set to reach 7.1 billion by the end of 2015. The scope to develop applications that enhance people' s lives in ways that go beyond payments is significant. ARCchart estimates that the number of users accessing services and buying goods using NFC-enabled devices will total 588 million by 2015.

This report examines the emergence of digital money from the perspective of the convergence of card-based proximity payments to the use of NFC-enabled mobile devices. Business models are identified which examine how companies can benefit from the deployment of NFC in mobile devices, generating opportunities beyond those associated with traditional transaction type activities, such as ticketing and retail.

ARCchart believes that 2011 will be the year when reality hits and industry participants finally acknowledge the challenges that need to be overcome to fully commercialise NFC. Internet companies such as Apple, Google, and Yahoo are best placed to take advantage of this technology. Incumbent players in the telecoms market are at risk of being left out.

Topics of coverage include:

Organisations behind card-based and NFC-enabled mobile digital money services
Security considerations for protecting user transactions
Design options for integrating proximity payment and services functionality into mobile handsets
The disruptive forces that Internet players will have on incumbent players
The ecosystem for card and NFC-enabled mobile payments
Company profiles of selected leaders in mobile NFC payments
Recommendations on strategy for the various mobile NFC stakeholders
Revenue projections for mobile NFC-enabled services
Market size and forecasts

Companies and organisations mentioned, discussed or reviewed include:

American Express
Apple
AT&T
Avea
Barclaycard
Bouygues Telecom
Caffe Nero
Cardis
China Unicom
Consult Hyperion
Directel
Garanti Bank
Gemalto
Google
HP
Hypercom

KDDI
Korea Telecom
LG
London Underground
MasterCard
McDonalds
mFoundry
Microsoft
Morrison
Motorola
Nokia
NTT DoCoMo
NXP
O2
Orange
PC World

RIM
Sagem
Sainsbury
Samsung
SFR
SK Telecom
Softbank
Sony Ericsson
Starbucks
Telefonica
T-Mobile
TwinLinx
Verizon
Visa
VIVOtech
Vodafone

Answers and opinions are provided with respect to the following essential questions:

What is digital money?
How many contactless cards vs. NFC-enabled devices will ship in 2015?
Why has NFC failed so far?
What portion of smartphones will be NFC-enabled by 2015?
How many people will have access to contactless payments (card and phone) by 2015?
How will the digital money market evolve over the coming years?
Where are the opportunities for application developers?
When will digital money start to appear in commercial applications?
Which companies are going to emerge as winners/losers in the digital market?

Report Statistics

Publication Date: July 2011
To.tal Number of Pages: 80
Formats: Paper copy, PDF

A. INTRODUCTION

Card Technologies
Contactless Technologies
More than Just a Payment Solution

A.2. Report Overview
- Aims and Focus of the Report

A.3. Definitions
- Digital Payment
- Proximity Technologies
- NFC Technology
- Types of Payment
- Transaction Terminology

B. GLOBAL DEMOGRAPHIC CONSIDERATIONS

B.1. Population Matters
- Developed Markets versus Developing Markets
- Targeting the Unbanked
- Improving Access to Financial Services

C. CONTACTLESS PAYMENTS ECOSYSTEM

Payment Types
Card Based Payments
Mobile Devices Payments

C.2. Market Participants
- Financial Institutions
- Mobile Operators
- Handset Manufacturers
- Technology Suppliers
- Retailers

C.3. Company Profiles
- Hypercom
- NXP
- O2 UK
- Orange France
- Visa
- UnionPay
- Consult Hyperion
- mFoundry
- Cardis

C.4. Contactless Payment Trials and Case Studies
- Nice Trial
- Garanti Bank, Turkey
- Barclaycard, UK
- MasterCard

D. MARKET DRIVERS, BARRIERS AND CHALLENGES

D.1. Market Drivers
- Key Ecosystem Players Are Now On-board
- Financial Institutions
- Mobile Operators
- Mobile Subscribers Base is at Critical Mass
- Value-added Fees
- Replacement for Legacy Payment Methods
- Contactless versus Coins
- Reducing Short-Change
- Ticketing Adds Value to Contactless Payments

D.2. Market Restraints
- The Financial Basis for Digital Money
- Cost of Deploying EPOS Terminals
- Getting Consumers On-board
- Developing Vertical Markets
- Co-operation amongst Ecosystem Players
- Security Issues
- Copying Information
- Merchant Lapses
- Stolen Devices
- Regulatory Uncertainty

E. MOBILE PHONE AS A DIGITAL MONEY ACCESS POINT

E.1. NFC Technology
- NFC Forum
- The NFC Standard
- Pairing Modes
- Handset Implementation
- NFC Applications
- Alternatives to NFC Technology
- RF-SIM
- Wi-Fi and Bluetooth
- Barcodes

E.2. The Mobile Phone Market
- Handset Market Size and Forecast
- Regional Breakdown
- Smartphones
- Mobile Subscription Numbers
- Market Potential
- Planned NFC Support by OEMs
- Apple
- Google
- HP
- LG
- Motorola
- Nokia
- RIM
- Samsung
- Sony Ericsson
- Production Costs
- Mobile Operators
- Missed Opportunity to Control Ecosystem
- Challenge of Going to Market

F. CONTACTLESS PAYMENT METHODS

F.1. Geographical and Economic Considerations

F.2. Cards as a Contactless Payment Method
- Global Trends
- Paving the Way for NFC
- Developed Countries
- Emerging Countries
- Cost of Devices

F.3. Mobile as a Contactless Payment Method
- Geographical Considerations
- North America
- Europe
- APAC
- MEA
- RoW
- Industry Participant Attitudes Towards NFC Implementation
- Device Manufacturer
- Financial Institution
- Mobile Operators
- Mobile Payments Value-Chain
- Mobile Payment Fees
- Hosting Model
- Transaction Model
- Percentage Model
- NFC Market Evolution
- NFC devices
- NFC User Base
- Mobile Operator NFC Revenues
- Alternative Revenue Approaches

G. OUTLOOK: CONTACTLESS DEVELOPMENTS

Regional Applications as a Driving Force
Importance of Loyalty and Coupon Schemes

G.1. The Road Ahead
- Status of Contactless Cards
- Status of Mobile Phone NFC
- UK
- Europe
- APAC
- US
- Global

G.2. NFC Reality Check
- Limited Handset Availability
- Redundant Business Models

H. MARKET SIZE AND FORECASTS

H.1. Methodology
- Key Assumptions

H.2. The Digital Payment Market
- Contactless Cards
- The Mobile Phone Market
- Mobile Subscribers
- Smartphones
- NFC Handsets to Displace Cards
- The NFC Subscriber Base
- Regional Market for NFC Devices

I. MARKET BUILDING STRATEGIES

I.1. Card Suppliers
- Expanding the Merchant Base
- Card Replacement Program
- Educating Consumers and Building Awareness

I.2. Mobile Operators
I.3. Device Manufacturers
I.4. Solution Providers
I.5. Merchants

List of Figures

Figure 1 - Structure of the digital money market
Figure 2 - The contactless payments ecosystem
Figure 3 - User accessing information from an NFC smart poster
Figure 4 - Schematic of NFC within the handset environment
Figure 5 - Handset shipment forecast: 2011 - 2015
Figure 6 - Handset shipment forecast by region: 2011 - 2015
Figure 7 - Smartphone shipment forecast: 2011 - 2015
Figure 8 - Mobile subscriptions forecast: 2011 - 2015
Figure 9 - Mobile subscriptions forecast by region: 2011 to 2015
Figure 10 - Total installed base of contactless cards: 2010 - 2015
Figure 11 - Shipment of NFC-enabled phones: 2010 - 2015
Figure 12 - Total NFC handset user base: 2010-2015
Figure 13 - Google Nexus S
Figure 14 - Nokia C7-00
Figure 15 - Shipment of NFC-enabled phones: 2010 - 2015
Figure 16 - NFC user base: 2010-2015

List of Tables

Table 1 - Regional population estimates: 2005 - 2020
Table 2 - Summary of handset OEM plans for NFC support
Table 3 - Number of mobile network operators by region: 2011
Table 4 - Annual average card spend for Europe, China and US
Table 5 - Regional card distribution by card type: 2011
Table 6 - Regional installed base of contactless cards: 2010 - 2015
Table 7 - Total NFC handset users by regions: 2010 - 2015
Table 8 - Contactless cards established base: 2010 - 2015
Table 9 - Handset shipments by region: 2010 - 2015
Table 10 - Mobile subscribers by region: 2010 - 2015
Table 11 - Smartphone shipments by region: 2010 - 2015
Table 12 - NFC subscriber base by region: 2010 - 2015

Press Release

電子貨幣：NFC對應裝置在2015年之前將達到5億8800萬部

2011年09月26日

Global Information, Inc.已開始銷售ARCchart所發行的報告書「Digital Money: The Convergence of Contactless Card and Mobile Payment (數位記憶體：免接觸式付款卡片和行動付款的融合)」

ARCchart預測利用NFC對應機器進出各種服務、購買商品的利用者總數在2015年之前將達到5億8800萬。該報告針對電子貨幣的普及進行調查。電子貨幣將總括為藉由NFC對應機器的卡來貼近支付。

本報告說明數位貨幣各自方法對跨行業支付的影響。而且，針對企業在導入行動設備NFC結算時能獲得的好處驗證各商務模式。依據ARCchart的說法，推定非接觸型卡的張數在2011年年底之前將提高到3億9600萬張。此只不過是流通的全部卡之6％。然一般卡的功能限定為被動的交易（transactions），相較之下，行動設備能雙向應用，亦能進行附加價值服務。此被視為行動設備負起NFC付款之將來的最大理由。

從以前就已經存在電子貨幣的理念。減少對現金依賴的想法，在全世界的零售業界和結算業界已成為討論的目標。ARCchart將電子貨幣定義為利用NFC技術進行商品和服務支付的非接觸型信用/轉帳卡(Debit Card)和行動機器。

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數位記憶體：免接觸式付款卡片和行動付款的融合

Digital Money: The Convergence of Contactless Card and Mobile Payment