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Assessing the Long-Term Impact of mPOS on the Payments Market

出版商 Ovum (TMT Intelligence, Informa) 商品編碼 297948
出版日期 內容資訊 英文 19 Pages
商品交期: 最快1-2個工作天內
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付款市場上mPOS的長期性影響評估 Assessing the Long-Term Impact of mPOS on the Payments Market
出版日期: 2014年02月13日 內容資訊: 英文 19 Pages



第1章 摘要

  • 發展要素
  • Ovum的見解
  • 主要的訊息

第2章 mPOS的成功得自其經營模式

  • Micro-merchant dongles 是POS的第一步
  • 4角模型直接強化了mPOS
  • 太在意dongles的風險會錯失「智慧」POS的可能性
  • mPOS最初的成功歸功於零售業者登記的便易度和定價簡單
  • 風險建模和安全性對mPOS的成功相當重要
  • P2PE技術透過大規模的零售業者成為引進mPOS的促進因素之可能性

第3章 透過mPOS付款成為商業全方位流通管道策略的核心

  • MPOS比傳統的POS更具敏捷性和彈性
  • MPOS藉由提升用戶經驗,加深客戶的參與
  • mPOS的功能由於開發環境更普及而擴大中
  • MPOS正在朝POS虛擬化發展趨勢中
  • mPOS的焦點由硬體轉移到軟體,並消除了線上和離線付款的障

第4章 提案

  • 給企業的提案
  • 給供應商的提案
  • 其他見解

第5章 附錄


Product Code: IT003-000604

The mPOS market seems to have exploded from out of nowhere in the last five years to become one of the hottest and most dynamic areas of payments innovation. From start-ups to established banking giants, the market is now being flooded with a host of me-too products and services. However, many of the strategies underpinning these developments misunderstand the drivers behind the initial success of mPOS and the requirements of long-term success in this space. mPOS is rapidly moving beyond the micro-merchant space and its impact will be widely felt throughout the payments value chain.


  • The growth of mPOS is primarily a result of its merchant enrollment strategies rather than its technology. The technology behind mPOS helps to underpin these new business models, but on its own it is not enough to drive long-term success. The keys to success are simplified merchant enrollment, no lock-in contracts, shorter payment settlement times, and clearer pricing models.
  • The use of point to point encryption (P2PE) with mPOS will improve the security of the technology while helping to alleviate merchant PCI DSS requirements. With the fallout of security breaches at major retailers now denting consumer confidence, P2PE will be a major boon to mPOS platforms that move up the value chain to higher-tier merchants.
  • mPOS platforms can greatly enhance payments innovation and enable omnichannel strategies even among the smallest merchants. With a clearer route to upgrades and a significantly more open development environment, vendors have a major opportunity to develop new functionality at the POS. This includes the development of single source payment providers capable of handling both online and physical transactions.

Features Benefits

  • Understand the real potential of mPOS technology and platforms by assessing the key drivers of its initial growth and what these models mean to payment providers.
  • Form your strategy effectively using Ovum's assessment of how mPOS is shifting the POS market from hardware-focused to software-focused.
  • Identify how P2PE technologies can strengthen the security of mPOS while providing merchants with more agile and flexible POS infrastructure.

Questions Answers

  • What are the key drivers of the mPOS market so far? Can these be emulated in other areas of payments?
  • How are omnichannel strategies likely to affect merchant demand for added POS functionality? How can mPOS help?
  • Is mPOS a threat to existing merchant acquirers?

Table of Contents


    • Catalyst
    • Ovum view
    • Key messages
    • Micro-merchant dongles are a first step for mPOS
    • The four-corner model remains intact, and is strengthened by mPOS
    • Focusing on the dongle risks missing the potential of a "smart" POS
      • Mobile payments innovation is boosted by mPOS
    • The initial success of mPOS is down to the ease of merchant enrollment and simplified pricing
      • mPOS providers need to develop their platforms beyond micro-merchants
      • Price competition on mPOS is unsustainable
    • Risk modeling and security are critical for mPOS success
    • P2PE technologies are a potential major driver of mPOS uptake among larger merchants
      • The Target breach highlights the potential appetite for reducing retailers PCI DSS liabilities
    • MPOS offers greater agility and flexibility than traditional POS
    • MPOS can deepen customer engagement by improving the user experience
    • The functionality of mPOS is expanding due to a more common development environment
    • MPOS builds on an existing trends toward POS virtualisation
    • mPOS shifts the focus from hardware to software, removing the barriers between online and offline payment acquiring
      • Shopify brings omnichannel capabilities to SMEs
      • The distinction between POS and mPOS will eventually disappear
    • Recommendations for enterprises
      • Enterprises must move beyond the micro-merchant market
      • The blurring distinction between the online and physical worlds means banks must engage with the new mPOS ecosystem
      • Traditional POS merchant sign-up needs to be quicker, easier, and more flexible
    • Recommendations for vendors
      • Forget the dongle, mPOS is about the payments platform
      • P2PE will increase security and provide a major boost to merchant uptake of mPOS
    • Alternative views
    • Further reading
    • Author
    • Ovum Consulting
    • Disclaimer


  • Figure 1: A plug-in "dongle" card reader
  • Figure 2: The four-corner payment model of card-based payments
  • Figure 3: Non-dongle based mPOS systems
  • Figure 4: P2PE with mPOS compared to traditional POS
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