Cover Image
市場調查報告書

加拿大的手機付款及替代付款的市場

Mobile and Alternative Payments in Canada, 2nd Edition

出版商 Packaged Facts 商品編碼 257416
出版日期 內容資訊 英文 144 Pages
訂單完成後即時交付
價格
Back to Top
加拿大的手機付款及替代付款的市場 Mobile and Alternative Payments in Canada, 2nd Edition
出版日期: 2014年08月20日 內容資訊: 英文 144 Pages
簡介

加拿大的行動銀行及E錢包/P2P付款已開始穩定。雖然仍有針對廣泛普及的短期性課題,但POS行動交易額到2017年前推測將達到130億美金的規模。

本報告提供加拿大的手機付款以及其他替代性付款手法的市場相關調查,為您彙整取代現金及支票的各種付款手法種類與特徵,各種技術的使用者簡介及利用行動分析,相關經營者的配合措施與策略,付款額的變化與預測等資料。

第1章 摘要整理

第2章 加拿大的付款組織·法律規章概要

  • 簡介
  • 加拿大的付款基礎設施
  • 付款方式
  • 加拿大的付款相關法
  • 大的變化旋渦之中有的付款產業
  • Payments System Review的專案組
  • 信用&轉帳卡產業的行動規範
  • 手機付款的申請
  • CBA手機付款 索引模式
  • 加拿大競爭局(Competition Bureau)及其他

第3章 市場規模·市場預測

  • 分析摘要
  • 手機付款的市場規模估計
  • 從現金及支票轉換到電子付款
  • 行動電話的活用
  • 智慧型手機的普及
  • 網路銀行的普及
  • 電子商務的開拓
  • 「行動」的關鍵字
  • NFC非接觸:成長及其有限性
  • 行動電子錢包的再度評估
  • 現金的替代品及其他

第4章 加拿大的行動銀行趨勢

  • 分析摘要
  • 行動銀行定義
  • 行動銀行使用者
  • 行動銀行的功能與利用法
  • 使用者的人口統計及其他

第5章 加拿大的手機付款趨勢

  • 分析摘要
  • 手機付款定義
  • 手機付款的使用者
  • 手機付款的利用法及其他

第6章 POS(Point-of-Sale)&網路購物手法

  • 分析摘要
  • POS的電子付款的選項
  • POS的手機付款
  • 網際網路的手機付款
  • 使用者的人口統計及其他

第7章 加拿大的P2P利用趨勢

  • P2P技術
  • 使用者的人口統計及其他

第8章 加拿大的行動財政·推銷·消費工具的利用

  • 簡介
  • 行動財政&推銷工具
  • 行動消費工具
  • 使用者的人口統計及其他

第9章 加拿大的手機付款策略:卡團體

  • 分析摘要
  • Interac
    • Interac Online
    • Interac e-Transfer
    • Interac Flash
  • MasterCard
    • PayPass
    • MasterPass
    • Mobile PayPass
  • Visa
    • Visa payWave
    • Visa Checkout
    • LoopPay及其他

第10章 加拿大的手機付款策略:銀行

  • 分析摘要
  • Bank of Montreal
  • Canadian Imperial Bank of Commerce
  • Royal Bank of Canada
  • Scotiabank
  • Toronto-Dominion Bank

第11章 加拿大的手機付款:MNO的策略

  • 分析摘要
  • EnStream
  • Rogers Communications
  • Blackberry
  • Bango

第12章 加拿大的手機付款:替代供應商的策略

  • 分析摘要
  • PayPal
  • Square
  • Payfirma
  • MintChip

第13章 加拿大的手機付款:零售業者的革新

  • 分析摘要
  • Starbucks
  • Tim Hortons

本網頁內容可能與最新版本有所差異。詳細情況請與我們聯繫。

目錄
Product Code: LA5226185

Mobile banking and E-Wallet/P2P payments have taken hold in Canada, and while near-term challenges to widespread adoption remain, mobile payments made at the physical point of sale could reach $13 billion by 2017.

A burst of mobile and digital wallets are just hitting the marketplace, which should significantly boost interest in and usage of mobile POS payments. But the usage footprint of NFC contactless payments remains limited, and NFC alone can not drive mainstream adoption. NFC-enabled phone sleeves and bar code-based payments should help to close the gap. Moving mobile payments into the mainstream also requires harnessing the mobile/digital wallet: if mobile payments are only about tapping a phone to make a payment instead of swiping a card, there's not much room for growth. From this perspective, Canadian wallet providers are making the right moves.

Packaged Facts' Mobile & Alternative Payments in Canada, 2nd Edition provides the insights to stay abreast of this dynamic market. Report coverage includes market size and forecast for mobile POS payment value and for E-Wallet/P2P transaction value. In addition, the report explores a range of positive and negative factors influencing growth, as well as how wallet providers are positioning their solutions to consumers.

The report assesses Canadian consumer patterns in relation to:

  • Use and usage frequency of mobile banking and usage of specific mobile banking features, by demographic group
  • Use and usage frequency of mobile payments by demographic group
  • Use of a range of P2P methods, including PayPal, Interac e-Transfer, bank wire transfers, bank P2P transfers, money transfer services, and other emerging methods
  • Choice of payment at the point of sale and via the internet. As part of our point-of sale purchase analysis, we assess the degree consumers initiate payments via mobile wallets (i.e. PayPass, PayPal and Interac)
  • Use of various added-value mobile phone financial, promotional & shopping tools

Mobile & Alternative Payments in Canada also provides in-depth analysis of industry participants and their mobile payment strategies, including those employed by the card networks Interac, MasterCard, and Visa; major Canadian banks such as Bank of Montreal, Canadian Imperial Bank of Commerce, Royal Bank of Canada, Scotiabank, and Toronto-Dominion Bank; mobile network operators, with a focus on Rogers Communications, EnStream, Blackberry, and Bango; alternative payments & emerging wallet payment providers (including PayPal, Square, Payfirma and MintChip); and QSR retailers Starbucks and Tim Hortons (with discussion of key issues to merchant adoption of mobile payments).

The report also provides a competitive overview of the Canadian payment infrastructure, payment methods, and payments laws and regulations, as well as summary analysis of payments industry competition and ongoing government-driven policy initiatives.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Scope limitations
  • Report Summary
  • Market size and forecast
  • Mobile banking and payments have taken hold
  • A confluence of trends favor continued growth
  • While near-term limitations remain significant
  • Longer-term growth is assured
  • Reimaging and promoting the mobile/digital wallet
  • Canadian mobile banking trends
  • Canadian mobile payments trends
  • Point-of-sale and internet purchase methods
  • Electronic options, cash and check at the point of sale
  • Mobile payments at the point of sale
  • Mobile payments made via the internet
  • Canadian P2P usage trends
  • Canadian use of mobile financial, promotional & shopping tools
  • Mobile financial & promotional organization tools
  • Mobile shopping tools
  • Canadian mobile payments strategies: card associations
  • Interac
  • MasterCard
  • Visa
  • Canadian mobile payments strategies: banks
  • Bank of Montreal
  • Canadian Imperial Bank of Commerce
  • Royal Bank of Canada
  • Scotiabank
  • Toronto-Dominion Bank
  • Canadian mobile payments: mobile network operator strategies
  • EnStream
  • Rogers Communications
  • Blackberry
  • Bango
  • Canadian mobile payments: alternative provider strategies
  • PayPal
  • Square
  • Payfirma
  • MintChip
  • Canadian mobile payments: retailer innovation
  • Notes from the merchant front
  • Starbucks
  • Tim Hortons

Chapter 2: Canadian Payments Organization & Regulation Overview

  • Introduction
  • Canadian payments infrastructure
  • Payment methods
  • Table 2-1: Canadian Payment Methods
  • Canadian payment laws
  • Payments industry undergoing significant change
  • The Task Force for the Payments System Review
  • Code of Conduct for the Credit and Debit Card Industry
  • Application to mobile payments
  • Merchant payment choice
  • Competing domestic debit applications
  • Principle of equal branding
  • Debit and credit comingling
  • CBA Mobile Payments Reference Model
  • Competition Bureau
  • Huge discrepancy between credit and debit fees
  • Challenging practices as anti-competitive
  • Competition Tribunal dismisses case against Visa and MasterCard
  • Commissioner of Competition remains watchful
  • Government picks up where Competition Tribunal leaves off
  • Adding prepaid cards to the regulatory mix

Chapter 3: Market Size and Forecast

  • Summary analysis
  • A confluence of trends favor continued growth
  • But near-term limitations remain significant
  • But longer-term growth is assured
  • Reimaging and promoting the mobile/digital wallet
  • But continue to represent a tiny sliver of retail payments
  • Graph 3-1: Canadian Retail Payments Value: 2008, 2011 and 2012
  • Table 3-1: Canadian E-Wallet/P2P Payments Value: 2011-2016
  • Mobile payments value estimate
  • Table 3-2: Canadian Adult Consumer Mobile Payments Transaction Volume, 2014
  • Table 3-3: Canadian Adult Consumer Mobile POS Payments Transaction Value, 2014
  • Table 3-4: Canadian Mobile POS payment value: 2014-2017
  • Migration of cash and check to electronic payments
  • Lots of checks and cash left to convert
  • But electronic and mobile developments to help put checks on the ropes
  • Taking flight
  • Online/mobile opportunity: P2P transactions skew to cash
  • Table 3-5: Percentage of Consumer Transactions by Method of Payment & Payment Channel
  • Card-and phone-based opportunity: Most micropayments made in cash
  • Table 3-6: Percentage of Consumer Transactions by Transaction Value Range & Method of Payment
  • Harnessing mobile phones
  • Smartphone penetration
  • Table 3-7: Canadian Mobile Phone and Smartphone Users: Percentage of Population, 2014
  • Online banking highly penetrated
  • Tapping into e-commerce
  • Online orders to top $27 billion in 2014?
  • Table 3-8: Canadian Electronic Commerce: Number and Value of Orders: 2010 vs. 2012
  • Card-not-present credit card transactions a growing slice of the pie
  • Table 3-9: Canadian Internet Orders: Method of Payment, 2012 vs. 2012
  • Mobile is the word
  • Mobile payments move beyond niche status
  • Mobile P2P has taken hold
  • But not a slam dunk
  • A growing-but limited-NFC contactless base
  • 30% contactless share of terminals
  • Small slice of merchants
  • Large chain skew
  • Limited range of card types
  • Credit cards only, please
  • Table 3-10: Canadian Mobile and Digital Wallets: Card Payment Options, by Type of Card, 2014
  • Visa has a strong grip
  • Table 3-11: Canadian Bank Mobile Wallets: Visa, MasterCard & American Express Cards Issued, 2014
  • But coverage depends on carrier and phone
  • Table 3-12: Canadian Bank Mobile Wallets: Carrier Acceptance, 2014
  • Seguing into QR codes
  • Reimaging the mobile wallet
  • How can you improve on swiping a card?
  • Carrot & stick: wrap behavior-changing features around payments
  • Table 3-13: Canadian Mobile and Digital Wallets, by Provider and Name, 2014
  • Big steps: PayPal
  • Big steps: MasterCard
  • Banks doing it, too
  • Selling mobile to the public
  • Emphasis on ease and convenience
  • Cash replacement
  • Emphasis on security
  • Touting rewards
  • Incentives for trial

Chapter 4: Canadian Mobile Banking Trends

  • Summary analysis
  • Mobile banker definition
  • Mobile bankers
  • Table 4-1: Mobile Banking: Canadian Usage Penetration
  • Smartphones bring mobile banking to the mainstream
  • Table 4-2: Mobile Banking Usage, by Type of Phone Used, 2012 vs. 2014
  • Mobile banking features & methods
  • Demographic analysis
  • Generational trends bode well for uptake over time
  • HH income not a deal breaker
  • Table 4-3: Mobile Banking Feature & Method Usage Penetration, by Age & HH Income, 2014
  • Rural opportunity
  • Table 4-4: Mobile Banking Feature & Method Usage Penetration, by Province and Population Density, 2014 62

Chapter 5: Canadian Mobile Payments Trends

  • Summary analysis
  • Mobile payment definition
  • Mobile payers
  • Table 5-1: Mobile Payments: Usage Penetration, Usage in Past Month & Monthly Usage Frequency, 2014.
  • Mobile payment methods
  • Table 5-2: Mobile Payment Methods, by Demographic, 2014

Chapter 6: Point-of-Sale and Internet Purchase Methods

  • Summary analysis
  • Electronic options, cash and check at the point of sale
  • Mobile payments at the point of sale
  • Mobile payments made via the internet
  • Purchase methods at the point of sale
  • Table 6-1: Purchase Methods at the Point of Sale: Canadian vs. U.S. Consumers, 2014
  • Demographic analysis
  • Table 6-2: Purchase Methods at the Point of Sale, by Demographic, 2014
  • Mobile phone purchase methods at the point of sale
  • Definitional context
  • And the survey says . . . PayPal!
  • Table 6-3: Use of Mobile Purchase Methods at the Point of Sale, 2014
  • Demographic analysis
  • Table 6-4: Use of Four Leading Mobile Purchase Methods at the Point of Sale, by Demographic, 2014
  • Purchase methods via the internet
  • Definitional context
  • And the survey says . . . yes, PayPal!
  • Table 6-5: Purchase Methods on the Internet: Canadian vs. U.S. Consumers, 2014
  • Demographic analysis
  • Table 6-6: Internet Purchase Methods, by Gender, HH Income & Population Group, 2014
  • Table 6-7: Internet Purchase Methods, by Age, Population Density & Province, 2014

Chapter 7: Canadian P2P Usage Trends

  • P2P methods
  • Table 7-1: P2P Methods Used: Canadian vs. U.S. Consumers, 2014
  • Demographic analysis
  • Table 7-2: P2P Methods Used, by Demographic, 2014

Chapter 8: Canadian Use of Mobile Financial, Promotional & Shopping Tools .

  • Introduction
  • Mobile financial & promotional organization tools
  • Demographic analysis
  • Table 8-1: Use of Mobile Financial and Promotional Organization Tools, by Demographic, 2014
  • Mobile shopping tools
  • Demographic analysis
  • Table 8-2: Use of Mobile Shopping Tools, by Demographic, 2014

Chapter 9: Canadian Mobile Payments Strategies: Card Associations

  • Summary analysis
  • Interac
  • MasterCard
  • Visa
  • Interac
  • Non-profit status a boon and a bane
  • Going corporate
  • Stranglehold on debit transactions
  • Completive angle: very low fees
  • Products and services
  • Interac Online
  • Interac e-Transfer
  • Interac Flash
  • Debit in the mobile mix (barely)
  • MasterCard
  • Contactless leadership
  • Setting the mobile stage: PayPass
  • Security
  • Contactless usage footprint
  • Mobile relationships
  • Rogers agreement
  • MasterPass
  • And open wallet
  • Featuring shop and pay innovation
  • Bridging mobile POS payment options
  • Easy to use, ease to implement and easy to add features
  • Global expansion
  • More payment processors on board
  • In-app payment
  • Thank you, C-SAM
  • Mobile PayPass
  • Visa
  • Setting the mobile stage: Visa payWave
  • payWave skewed heavily to major chains; narrow retail segment scope
  • Secure, secure, secure
  • Mobile relationships
  • CIBC mobile payment app
  • Mobile deployment in the cloud
  • Visa Checkout
  • A narrow goal, for now
  • Bridging physical and virtual; muzzling Apple
  • LoopPay: iPhone neutralizer?
  • Visa Digital Solutions

Chapter 10: Canadian Mobile Payments Strategies: Banks

  • Summary analysis
  • Bank of Montreal
  • Canadian Imperial Bank of Commerce
  • Royal Bank of Canada
  • Scotiabank
  • Toronto-Dominion Bank
  • Introduction
  • Bank of Montreal
  • Mobile PayPass Tag
  • Canadian Imperial Bank of Commerce
  • Mobile banking leadership
  • CIBC Mobile Payment App
  • Incentive to use it
  • Who can use it
  • How they can use it
  • Limited uptake
  • Royal Bank of Canada
  • Mobile wallet launch
  • Scotiabank
  • Remote check deposit
  • Mobile payments app
  • Toronto-Dominion Bank
  • Personal banking reach
  • Expanding credit card business
  • And mobile banking leadership
  • TD Mobile Payment
  • On the way: Ugo

Chapter 11: Canadian Mobile Payments: Mobile Network Operator Strategies

  • Summary analysis
  • EnStream
  • Rogers Communications
  • Blackberry
  • Bango
  • Carrier-Based Payment Strategies
  • Partnerships, partnerships
  • But don't each of Big Three need to be on board?
  • Graph 11-1: Canadian Wireless Subscription Share, by Carrier, Q1 2014
  • Is 60% good enough?
  • Graph 11-2: Canadian Smartphone Operating Software Market Share: 2012 vs. 2013
  • There's NFC capable and then there's NFC enabled
  • Table 11-1: Leading Smartphone Brands, by Canadian Carrier and NFC Capability, 2014
  • EnStream provides the glue
  • If at first you don't succeed, try and try again
  • Goodbye, Zoompass
  • Hello, open wallet
  • Desjardins on board
  • Rogers Communications
  • suretap
  • Not a closed wallet, but not an open one, either
  • Financial institution? A credit card? A prepaid card?
  • But banks signing up
  • Blackberry
  • BBM Money
  • Bango

Chapter 12: Canadian Mobile Payments: Alternative Provider Strategies

  • Summary analysis
  • PayPal
  • Square
  • Payfirma
  • MintChip
  • PayPal
  • 152 million accounts and counting
  • An ecommerce giant
  • Crossing $200 billion in payment volume
  • Table 12-1: PayPal Payment Value: Total, Merchant Services and On eBay, 2011-2013
  • A very low loss rate
  • A mobile powerhouse
  • Table 12-2: PayPal Mobile & International Transaction Metrics, 2013
  • Free processing
  • In Canada, the mobile payments and P2P leader
  • Table 12-3: Canadians' Use of PayPal & “Runner Up”: Mobile POS Payment, Internet Payment & P2P, 2014 119
  • Recipe for success: the PayPal digital wallet
  • Omni-channel experience
  • Secure access
  • Simple, simple, simple
  • Smoother and quicker payments process
  • In-app payments
  • Payment agnostic, but with a plethora of out-of-house and in-house options
  • Gift cards in the mix
  • Connecting at the physical point of sale
  • PayPal Here: POS card payment solution
  • Online and mobile checkout
  • But no mobile payment app for physical POS - until now
  • Mobile check-in
  • Very limited reach-for now
  • Other value-added features
  • On the horizon
  • PayPal Beacon
  • Order Ahead & Pay At Table
  • Note on PayPal metrics
  • Square, Inc.
  • Products
  • Square Reader
  • Square Register
  • How much it costs
  • Table 12-4: Square: Products and Fees in Canada, 2014
  • Credit cards and gift cards only, please
  • Payfirma
  • Cost structure and card coverage
  • Table 12-5: Payfirma POS Solution Pricing, 2014
  • MintChip

Chapter 13: Canadian Mobile Payments: Retailer Innovation

  • Summary analysis
  • Notes from the merchant front
  • Starbucks
  • Tim Hortons
  • Retailer perspective
  • Card not present issue
  • Can we accept mobile Interac?
  • Businesses won't like a credit card centric model, especially smaller ones
  • Starbucks Canada takes the barcode route
  • Stored value card foundation
  • Tied seamlessly to loyalty program
  • Helps breed mobile payment success
  • On deck: mobile order and pay
  • But Starbucks chooses PayPal in Canada
  • In-app payment and reload
  • But card networks not giving up
  • At Tim Hortons, NFC and barcodes join hands
  • Doubling down on dual-purpose card
  • Tim Card sets the stage for “TimmyMe Pay”
  • But it's payment only
  • McDonald's helps RBC make a decision
  • Appendix
  • Methodology
  • Consumer survey methodology
  • Consumer survey methodology
  • Packaged Facts Canadian Survey Demographics
  • Market size methodology
  • Sources
  • Report table interpretation
  • Color coding
  • Indexing
  • Dollar figures in this report
  • Terms and definitions
  • Mobile wallet versus digital wallet
  • Prepaid cards versus debit cards
  • Other terms
  • Smartphone
  • Abbreviations
Back to Top