行動銀行策略・應用・市場：2008年至2013年

Abstract

Overview

This report provides the most up to date analysis of the mobile banking market including a six year forecasting suite projecting vital data on mobile banking subscriber take up, mobile banking user-level messaging traffic, user-level transaction volumes and gross transaction values for "Push" Mobile Banking Information Services, and Pull" Services - MBPP (Mobile Bill Payment and Presentment) transactional banking.

As well as comparing and contrasting the various mobile banking applications and software vendors this detailed study also includes over 12 detailed case studies and 15 vendor profiles and a number of in depth interviews with leading mobile commerce application and financial system vendors, banks and consultancies.

• How many mobile subscribers will use their mobiles for mobile banking information services over the next five years?
• How many mobile subscribers will use their mobiles for mobile banking transactions over the next five years?
• Which will be the leading regions in the mobile banking market in 2013?
• What will be the size of overall mobile banking transaction values?
• What are the trends, drivers and constraints affecting the development of the market?
• How are leading banks incorporating the mobile into their distribution channel strategies?
• What are the strategies of leading mobile commerce application and financial system vendors as they address this growing market opportunity?
• What will be the trend in mobile banking traffic volumes over the next five years?

• A unique source of combined research and analysis for the mobile banking market including technologies, market characteristics and forecasts.
• Practical analysis of the emerging opportunities for vendors and operators Unique insights: includes interviews of leading players with significant experience of the mobile banking market.
• Benefit from fresh thinking and intelligent market assessment.

Table of Contents

Glossary

• Introduction
  • Table ES.1: Additive and Transformational Banking
• Mobile Commerce Market Trends
  • Figure ES.1: Mobile Commerce Market Segmentation
• Mobile Commerce and Banking in the Downturn
• Mobile Commerce Stream
• How is Mobile Banking Delivered?
• Market Segmentation
• Mobile Banking Drivers & Constraints
  • Figure ES.2: Mobile Banking Drivers and Constraints
• Market Projections
  • Global Cellular Subscriber Market
    • Figure ES.3: Cellular Subscriber Growth (m) by Region, 2006-2013
  • Mobile Banking Information Service Users
    • Figure ES.4: Total Mobile Phone Users (m) Who use Mobile Banking Information Services - Regional Forecast 2008-2013
  • Messaging Traffic
    • Figure ES.5: Total Number of Mobile Banking Information “Push” Messages (m) Sent to Mobile Banking Users - Regional Forecast 2008-2013
  • “Push” Messaging Market
    • Table ES.2: “Push” SMS Messaging Market Value ($m) - Regional Forecast 2008-2013
  • Mobile Bill Presentment & Payment (MBPP) Users
    • Figure ES.6: Total Mobile Phone Users (m) who make MBPP Transactions - Regional Forecast 2013
  • MBPP Transactional Traffic
    • Figure ES.7: Total Number of MBPP Transactions (m) - Regional Forecast 2008-2013
  • MBPP Transaction Value
    • Figure ES.8: Total MBPP Transaction Value ($m) - Regional Forecast 2008-2013
  • MBPP User Level Transactional Value
    • Figure ES.9: Average MBPP Transaction Value per User ($) - Regional Forecast 2008-2013
• Market Development: Banks and Vendors
• Conclusions and Recommendations

• 1.1 Mobile Banking Definition
  • Table 1.1: Additive and Transformational Banking
• 1.2 Mobile Commerce Market Structure
  • Figure 1.1: Mobile Commerce Market Segmentation
• 1.3 Mobile Commerce Market Trends
  • 1.3.1 Tellabs
    • Figure 1.2: Tellabs Mobile Backhaul Solution
  • 1.3.2 Bango
    • Figure 1.3: Bango Analytics User Data Snapshot
  • 1.3.3 Mobile Web
• 1.4 Mobile Banking Drivers & Constraints
  • Figure 1.4: Mobile Banking Drivers and Constraints
  • 1.4.1 Drivers
    • i. User Demand and Requirements
    • ii. Cost Savings
    • iii. Increase in ARPU
    • iv. One-to-One Marketing Opportunity
    • v. Enhanced Security
    • vi. Customer Retention and Acquisition for banks
    • vii. Lower Churn for MNOs
    • viii. New Revenue Channel for Banks
    • ix. New Revenue Channel for MNOs: as MFS Provider
    • x. Revenue Sharing and Co-operation in the Ecosystem
  • 1.4.2 Constraints
    • i. Resistance from MNOs
    • ii. Technology Issues and Standards
    • iii. Business Model Issues
    • iv. Financial Regulations & Legislation
    • v. Support Issues - Who Owns the Customer?
    • vi. Data Charges: User Bill Shock
    • vii. 3G/Broadband & Device Availability
    • viii. User Security Concerns
    • x. Application Slickness
• 1.5 Market Segmentation
• 1.6 How is Mobile Banking Delivered?
  • 1.6.1 Messaging-based Mobile Banking
  • 1.6.2 Mobile Internet Browser
  • 1.6.3 Downloadable Application

• 2.1 Introduction
• 2.2 Diebold
• 2.3 Fidelity NIS, ClairMail & mFoundry
• 2.4 Sybase 365
  • Figure 2.1: Mobile Banking Adoption Steps - Sybase
  • Figure 2.2: Sybase Global Mobile Banking Survey 2008 Summary Results
• 2.5 Monitise
  • Figure 2.3: Lloyds TSB MONILINK service
• 2.6 Postilion
• 2.7 Logica
• 2.8 Voice Commerce Group
• 2.9 mBlox
  • Figure 2.4: mBlox Mobile Transaction Platform
• 2.10 Fundamo
• 2.11 Firethorn
• 2.12 VeriSign
  • Figure 2.5: VeriSign Mobile Banking Platform
• 2.13 Kabira
  • Figure 2.6: Kabira Mobile Transaction Hub
• 2.14 CPNI
  • Figure 2.7: PAT Solution
  • Figure 2.8: Patbank Call Flow
• 2.15 ACI

• 3.1 Introduction
• 3.2 Applications & Services Examples
  • 3.2.1 North America
    • i. Bank of America
      • Figure 3.1: Bank of America Mobile Screens
    • ii. Wells Fargo Corporate
      • Figure 3.2: Wells Fargo CEO Mobile Service
    • iii. Wells Fargo Retail
      • Figure 3.3: Wells Fargo Retail Mobile Banking
  • 3.2.2 Western Europe
    • i. Monitise/MONILINK
      • Figure 3.4: MONILINK: Enabling the Mass Market in Banking and Payments
      • Figure 3.5: MONILINK User Base by Age
      • Figure 3.6: MONILINK Weekly and Monthly Usage Profiles
      • Figure 3.7: MONILINK Time of Day Usage Profiles
      • Figure 3.8: Monitise MONILINK Revenue Model
    • ii. Lloyds TSB Commercial
      • Figure 3.9: Lloyds TSB Commercial Telephone Service Centre Calls
      • Figure 3.10: Lloyds TSB Commercial SMS Text Alert Service Take Up (users)
      • Figure 3.11: Lloyds TSB Commercial SMS Text Alert Service Customer Satisfaction 2005 to 2008
      • Figure 3.12: Lloyds TSB Retail Mobile Banking Pack Screenshot
    • iii. Barclays
    • iv. Postbank
  • 3.2.3. Eastern Europe
    • i. Garanti Bank
      • Figure 3.13: Garanti Alternative Distribution Channel Strategy Rationale
      • Figure 3.14: Garanti Mobile Banking Service
  • 3.2.4 Far East & China
    • i. China Merchants Bank
    • ii. SK Telecom
    • iii. NTT DoCoMo
      • Figure 3.15: NTT DoCoMo Osaifu-Keitai e-wallet Handset Services
    • iv. Mobile Money Ventures Hong Kong
      • Figure 3.16: MMV Mobile Banking Screenshot
  • 3.2.5 Indian Sub Continent
    • i. Union Bank of India
  • 3.2.6 Rest of Asia Pacific
    • i. National Australia Bank
  • 3.2.7 Africa & Middle East
    • i. Standard Chartered Bank UAE

• 4.1 Introduction
• 4.2 Methodology
  • 4.2.1 Geographical Splits
  • 4.2.2 Approach and Assumptions
    • Figure 4.1: Mobile Banking Market Forecast Methodology
• 4.3 Growth of the Cellular Market
  • 4.3.1 Global Cellular Subscriber Market
    • Figure 4.2: Cellular Subscriber Growth (m) by Region, 2006-2013
    • Table 4.1: Cellular Subscriber Growth (m) by Region, 2006-2013
    • Figure 4.3: Cellular Subscriber Base, Market Share (%) by Region 2006-2013
    • Figure 4.4: Cellular Subscribers Penetration (%) by Region 2006-2013
  • 4.3.2 Leading Mobile Operator Groups by Subscriber Base
    • Table 4.2: Leading Mobile Operator Groups by Subscriber Base (m) Q3 2008
  • 4.3.3 Growth of 3G
    • Table 4.3: Global Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2013
    • Figure 4.5: Global Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2013
• 4.4 Regional Cellular Market Growth
  • 4.4.1 North America
    • i. Mobile Subscriber Penetration
    • ii. US Market Structure
    • iii. 3G Adoption
      • Figure 4.6: North American Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
      • Table 4.4: North American Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
  • 4.4.2 South America
    • i. Diverse Region
    • ii. Mobile Subscriber Penetration Rates
    • iii. Dominant Technology
    • iv. Players in Region
      • Figure 4.7: South American Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • v. 3G Deployments
      • Table 4.5: South American Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
  • 4.4.3 Western Europe
    • i. Mobile Subscriber Penetration
      • Figure 4.8: Western Europe Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • ii. Market Structure
    • iii. 3G Penetration
      • Table 4.6: Western Europe Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
  • 4.4.4 Eastern Europe
    • i. Mobile Subscriber Penetration
      • Figure 4.9: Eastern Europe Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
      • Table 4.7: Eastern Europe Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • ii. 3G Penetration
  • 4.4.5 Far East & China
    • i. Mobile Subscriber Penetration
    • ii. 3G Services
      • Figure 4.10: Far East & China Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
      • Table 4.8: Far East & China Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
  • 4.4.6 Indian Sub Continent
    • i. Mobile Subscriber Penetration
      • Figure 4.11: Indian Sub Continent Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • ii. 3G Services
      • Table 4.9: Indian Sub Continent Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
  • 4.4.7 Rest of Asia Pacific
    • i. Mobile Subscriber Penetration
      • Figure 4.12: Rest of Asia Pacific Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • ii. 3G Adoption
      • Table 4.10: Rest of Asia Pacific Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
  • 4.4.8 Africa & Middle East
    • i. Market Background
    • ii. Mobile Subscriber Penetration
      • Figure 4.13: Africa & Middle East Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • iii. Players
    • iv. ARPU
      • Table 4.11: Africa & Middle East Cellular Subscriber Forecasts (m) by Technology (2G, 2.5G, 3G, 3.5G/3.9G) 2008-2013
    • v. 3G Adoption

• 5.1 Introduction
• 5.2 Mobile Banking “Push” Information Services
  • 5.2.1 Users
    • Table 5.1: Mobile Phone Users (%) Who use Mobile Banking Information Services - Regional Forecast 2008-2013
    • Figure 5.1: Total Mobile Phone Users (m) Who use Mobile Banking Information Services - Regional Forecast 2008-2013
    • Table 5.2: Mobile Phone Users (m) Who use Mobile Banking Information Services - Regional Forecast 2008-2013
  • 5.2.2 Messaging Traffic
    • Figure 5.2: Average Number of Mobile Banking Information “Push” Messages Sent to Mobile Banking Users - Regional Forecast 2008-2013
    • Table 5.3: Average Number of Mobile Banking Information “Push” Messages Sent to Mobile Banking Users - Regional Forecast 2008-2013
    • Figure 5.3: Total Number of Mobile Banking Information “Push” Messages (m) Sent to Mobile Banking Users - Regional Forecast 2008-2013
    • Table 5.4: Total Number of Mobile Banking Information “Push” Messages (m) Sent to Mobile Banking Users - Regional Forecast 2008-2013
  • 5.2.4 “Push” Messaging Market
    • Table 5.5: “Push” SMS Messaging Market Value ($m) - Regional Forecast 2008-2013
• 5.3 Mobile Bill Presentment & Payment (MBPP)
  • 5.3.1 Users
    • Table 5.6: Mobile Phone Users (%) who make MBPP Transactions - Regional Forecast 2008-2013
    • Figure 5.4: Total Mobile Phone Users (m) who make MBPP Transactions - Regional Forecast 2008-2013
    • Table 5.7: Total Mobile Phone Users (m) Who Make MBPP Transactions - Regional Forecast 2008-2013
  • 5.3.2 MBPP Transactional Traffic
    • Figure 5.5: Average Number of MBPP Transactions Made per Mobile Banking User - Regional Forecast 2008-2013
    • Table 5.8: Average Number of MBPP Transactions Made per Mobile Banking User - Regional Forecast 2008-2013
    • Figure 5.6: Total Number of MBPP Transactions (m) - Regional Forecast 2008-2013
    • Table 5.9: Total Number of MBPP Transactions (m) - Regional Forecast 2008-2013
  • 5.3.3 Transaction Value
    • Table 5.10: Average MBPP Transaction Value ($) - Regional Forecast 2008-2013
    • Figure 5.7: Total MBPP Transaction Value ($m) - Regional Forecast 2008-2013
    • Table 5.11: Total MBPP Transaction Value ($m) - Regional Forecast 2008-2013
    • Figure 5.8: Average MBPP Transaction Value per User ($) - Regional Forecast 2008-2013
    • Table 5.12: Average MBPP Transaction Value per User ($) - Regional Forecast 2008-2013

• 6.1 Introduction
• 6.2 Who is Doing What?
  • Table 6.1: Overview of Forum Activity
  • 6.2.1 dotMobi
  • 6.2.2 ETSI
    • i. Members
  • 6.2.3 The GSM Association
    • i. Members
  • 6.2.4 International Organisation for Standards (ISO)
    • i. Members
  • 6.2.5 Mobey Forum
    • i. Members
  • 6.2.6 Mobile Payment Forum
    • i. Members
  • 6.2.7 Open Mobile Alliance (OMA)
    • i. Members