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Mobile Commerce Markets.

Mobile Commerce Markets.

Payments, Ticketing, Coupons, Money Transfer & Banking 2012-2016

Publisher: Juniper Research
Date Published: 08/03/2012
Category: Mobile Commerce
No of Pages: 143
Coverage: Global - 8 Key Regions ◊
 

Overview

•   Big Picture View of the mCommerce Market

•   7 Key Sectors Analysed and Forecast

•   Key Player Recommendations

This 2012 edition provides the one stop solution for all key players within the mobile commerce ecosystem. 


Wide Ranging Forecasts - are handpicked for market size and transaction values across the globe, delivering essential comprehensive understanding of the scope and capacity of 7 major sectors (Digital & Physical Goods, NFC, Mobile Money Transfers, Mobile Payments, Mobile Ticketing, Mobile Coupons and Mobile Banking) within the greater mobile commerce landscape.

Analysis of Key Market Drivers & Constraints - summarises six major common factors across the mobile commerce stream; readers will gain unrivalled perpective on the vital opportunities and hurdles within the market and, crucially, the strategies to implement for greater success.

Mobile Commerce Market Evaluated. This state of the art study gives readers up-to-the-minute information of current applications and services in each sector of mobile commerce.

This report pulls together each of the following reports within the Mobile Commerce stream:

•   Mobile Payments for Digital & Physical Goods: Analysis, Markets & Vendor Strategies 2011-2015

•   NFC Retail Marketing & Mobile Payments: Markets, Forecasts & Strategies 2011-2016

•   Mobile Money Transfer & Remittances: Business Models & Monetisation Opportunities 2011-2016

•   Mobile Payment Strategies: Opportunities & Markets 2011-2015

•   Mobile Ticketing Evolution: NFC, Forecasts & Markets 2012-2016

•   Mobile Coupons: Ecosystem Analysis & Marketing Channel Strategy 2011-2016

•   Mobile Banking for Developed & Developing Markets: Strategies & Business Models 2012-2016

Table of Contents

Executive Summary
Mobile Commerce Market

1.1 Report Scope & Objective 17
1.2 Market Outline 17
1.2.1 Synopsis 17
1.2.2 Market Segmentation 18
Figure 1.1: Mobile Commerce Market Segmentation 18
1.3 Market Segment Definitions 19
1.3.1 Mobile Payments 19
i. Digital & Physical Goods 19
ii. Contactless NFC 19
iii. Mobile Money Person to Person Transfer 19
1.3.2 Mobile Ticketing and Mobile Coupons 20
i. Mobile Ticketing 20
ii. Mobile Coupons 20
1.3.3 Mobile Banking 20
1.4 Mobile Commerce Drivers & Constraints 21
Figure 1.2: Mobile Commerce: Top 3 Drivers and Constraints 21
1.4.1 Top 3 Drivers 21
i. User Demand and Requirements 21
ii. Lower Churn for Mobile Operators 22
iii. Increase in ARPU 22
1.4.2 Top 3 Constraints 22
i. Business Model Issues 22
ii. Support Issues 23
iii. User Experience and Security Concerns 23

Digital and Physical Goods

2.1 Introduction 25
2.2 Classification of Payment Schemes 25
Table 2.1: Mobile Payment Classification 26
2.3 Digital Goods: Applications and Services 26
2.3.1 Greater Copenhagen Traffic Companies (Denmark) 26
Figure 2.1: Mobile Ticketing in Copenhagen - 1415.dk 27
2.3.2 Badoo & Ericsson 27
2.3.3 TDC Denmark & Aepona 28
2.3.4 Virgin Media & OpenMarket (UK) 28
2.4 Physical Goods: Applications and Services 29
2.4.1 Danal (Korea) 29
Figure 2.2: Danal Mobile Payment Service 29
Figure 2.3: Danal Mobile Payment Transaction Value 2001-2010 (KRW 100m) 30
2.4.2 Brooks Brothers & Digby (US) 30
Figure 2.4: Brooks Brothers Mobile Site 31
2.4.3 Amazon 31
Figure 2.5: Amazon Mobile Shopping 31
2.4.4 eBay Mobile 32
Figure 2.6: eBay ‘Store in Your Pocket' 32
2.5 Specific Drivers and Constraints 33
Figure 2.7: Digital & Physical Goods: Drivers and Constraints 33
2.5.1 Specific Drivers 33
i. Larger Retail Transactions 33
ii. Cash Replacement 33
iii. Smartphone Growth 33
2.5.2 Specific Constraints 34
i. Resistance from Banks 34
ii. Support Issues 34
iii. Transaction Costs for the Retailer 34
2.6 Digital & Physical Goods Market Forecast 34
2.6.1 Digital Goods 34
Figure 2.8: Total Remote Mobile Payment Gross Transaction Value for Digital Goods ($bn) Split by 8 Key Regions 2011-2015 35
Table 2.2: Total Remote Mobile Payment Gross Transaction Value for Digital Goods ($bn) Split by 8 Key Regions 2011-2015 35
2.6.2 Physical Goods 36
Figure 2.9: Total Remote mPayment Gross Merchandise Sales Transaction Value for Physical Goods ($bn) Split by 8 Key Regions 2011-2015 36
Table 2.3: Total Remote mPayment Gross Merchandise Sales Transaction Value for Physical Goods ($bn) Split by 8 Key Regions 2011-2015 37
2.6.3 Digital and Physical Goods Combined 37
Figure 2.10: Global Digital and Physical Goods Remote Mobile Payment Market: Gross Merchandise Sales Value ($bn) Split by 8 Key Regions 2011-2015 38
Table 2.4: Global Digital and Physical Goods Remote Mobile Payment Market: Gross Merchandise Sales Value ($m) Split by 8 Key Regions 2011-2015 38
Figure 2.11: Global Remote mPayment Market: Gross Merchandise Sales Transaction Value (%) Digital vs. Physical Goods Comparison 2011-2015 39
Table 2.5: Global Remote mPayment Market: Gross Merchandise Sales Transaction Value (%) Digital vs. Physical Goods Comparison 2011-2015 39

Mobile Ticketing

3.1 Introduction 41
3.2 Airline Travel 41
3.2.1 Austrian Airlines and m:coda 41
i. Case Study: Austrian Airlines 41
ii. Vendor Profile: m:coda 42
a. Corporate 42
b. Geographic Spread 42
c. Key Clients & Strategic Partnerships 42
d. High Level View of Offerings 42
3.2.2 United Airlines and Kony Solutions 43
i. Case Study: United Airlines (USA) 43
ii. Vendor Profile: Kony Solutions 43
a. Size 43
b. Geographic Spread 43
c. Key Clients & Strategic Partnerships 44
Figure 3.1: Kony Solutions Mobile Airline Flight Booking 44
d. High Level View of Offerings 45
3.3 Terrestrial Transport 45
3.3.1 Manila Mass Transit and NeoMedia 45
i. Case Study: Manila Mass Transit 45
Figure 3.2: MRT3 Mobile Ticket Operation 45
Figure 3.3: MRT3 Gating Equipment 46
ii. Vendor Profile: NeoMedia 46
a. Corporate 46
b. Geographic Spread 46
c. Key Clients & Strategic Partnerships 46
d. High Level View of Offerings 47
3.3.2 Greater Copenhagen Traffic Companies & Unwire 48
i. Case Study: Greater Copenhagen Traffic Companies (Denmark) 48
Figure 3.4: Mobile Ticketing in Copenhagen - 1415.dk 48
ii. Vendor Profile: Unwire 49
a. Corporate 49
b. Geographic Spread 49
c. Key Clients & Strategic Partnerships 49
d. High Level View of Offerings 50
3.4 Events 50
3.4.1 Seibu Lions and IMI Mobile 50
i. Case Study: Siebu Lions Baseball Campaign 50
ii. Vendor Profile: IMImobile 51
a. Corporate 51
b. Geographic Spread 51
c. High Level View of Offerings 51
d. Key Clients, Strategic Partnerships & Campaign Experience 51
3.4.2 Ministry of Sound and ticketscript 52
i. Case Study: Ministry of Sound 52
Figure 3.5: Ministry of Sound Mobile App 52
ii. Vendor Profile: ticketscript 52
a. Corporate 52
b. Geographic Spread 53
c. Key Clients & Strategic Partnerships 53
d. High Level View of Offerings 54
3.5 Cross-Segment Trends, Drivers and Constraints 54
Figure 3.6: Mobile Ticketing: Trends, Drivers and Constraints 54
3.5.1 Trends 55
i. Integration with Payments 55
ii. Growing Contactless Infrastructure 55
iii. Smart/Networked City Showcases 56
iv. The MNO Play 56
v. New Technology Enablers (Tablets & NFC) 57
3.5.2 Drivers 57
i. Dissatisfaction with Paper 57
ii. Cost Saving Opportunities 57
iii. Enhanced Security & Fraud Reduction 58
iv. Increased Sales Opportunities 58
3.5.3 Constraints 58
i. Lack of Clear Business Model 58
ii. Interoperability 58
iii. Infrastructure Limitations 59
iv. New Security & Fraud Threats 59
3.6 Market Forecast 59
Figure 3.7: Total Mobile Ticketing Transaction Value ($m) Split by 8 Key Regions 2011-2016 60
Table 3.1: Total Mobile Ticketing Transaction Value ($m) Split by 8 Key Regions 2011-2016 60

Mobile Coupons

4.1 The Mobile Coupon Market 61
Figure 4.1: Mobile Coupon Roles 61
Figure 4.2: Closed Loop Couponing 62
4.2 Mobile Coupon Vendor Profiles 62
4.2.1 Commidea 63
i. Corporate 63
ii. Geographic Spread 63
iii. High Level View of Offerings 63
iv. Key Clients, Strategic Partnerships and Campaign Experience 64
4.2.2 Eagle Eye Solutions 64
i. Corporate 64
ii. Geographic Spread 64
iii. High Level View of Offerings 64
iv. Key Clients, Strategic Partnerships & Campaign Experience 65
4.2.3 Hipcricket 65
i. Corporate 65
ii. Geographic Spread 65
iii. High Level View of Offerings 66
iv. Key Clients, Strategic Partnerships & Campaign Experience 66
4.2.4 i-movo 66
i. Corporate 66
ii. Geographic Spread 67
iii. High Level View of Offerings 67
Figure 4.3 Booker Coupon 67
iv. Key Clients, Strategic Partnerships & Campaign Experience 68
Figure 4.4: i-movo Redemption & Staff Instructions 68
4.2.5 PayWizard 68
i. Corporate 68
ii. Geographic Spread 68
iii. High Level View of Offerings 69
iv. Key Clients, Strategic Partnerships & Campaign Experience 69
4.2.6 Poynt 69
i. Corporate 69
ii. Geographic Spread 69
iii. High Level View of Offerings 70
Figure 4.5: Poynt Days Inn Coupon Campaign 70
iv. Key Clients, Strategic Partnerships & Campaign Experience 70
4.2.7 Proxama 71
i. Corporate 71
ii. Geographic Spread 71
iii. High Level View of Offerings 71
iv. Key Clients, Strategic Partnerships & Campaign Experience 71
4.2.8 Telmap 72
i. Corporate 72
ii. Geographic Spread 72
iii. High Level View of Offerings 72
Figure: 4.6 Telmap Optus App 73
iv. Key Clients, Strategic Partnerships & Campaign Experience 73
4.3 Trends, Drivers and Constraints 73
Figure 4.7: Mobile Coupon Market Trends, Drivers & Constraints 74
4.3.1 Specific Trends 74
i. The Ecosystem Opportunity 74
ii. Brands, Merchants and Retailers getting Onboard 75
iii. Enter the Payments Providers 75
iv. Operators Excluded? 75
v. Driving Towards User Loyalty 75
4.3.2 Specific Drivers 75
i. Economic Downturn 75
ii. Convenience 75
iv. NFC Coupons 76
vi. Paper & Online Coupon Dissatisfaction 76
vi. Cost Savings & Environmental Benefits 76
vii. Instant Campaigns 76
vii. Smart Targeting 76
viii. Smart Offers 76
ix. Higher Redemption Rates 77
4.3.3 Specific Constraints 77
i. Privacy 77
ii. Managing the Coupon on the Phone 77
iii. POS Redemption Technology 77
iii. Marketeer & Retailer Mindset 77
iv. Retailer POS Investment 77
v. Retailer Redemption Logistics 77
vi. Success Measurements 77
vii. Over-Success & Retail Dependency 78
viii. Rural Markets 78
4.4 Mobile Coupons Market Forecast 78
Figure 4.8: Total Mobile Coupon Redemption Value ($m) Split by 8 Key Regions 2011-2016 78
Table 4.1: Total Mobile Coupons Retail Redemption Value ($m) Split by 8 Key Regions 2011-2016 79

NFC & FeliCa Payments

5.1 Introduction 81
5.1.1 NFC Technology 81
5.1.2 NFC Implementation 83
Figure 5.1: Typical NFC Implementation 83
5.1.3 Interim NFC Solutions 83
Figure 5.2: Integration Phase Comparison - NFC and Mobile Broadband 84
i. NFC Stickers 84
Figure 5.3: Twinlinx My-Max NFC Sticker 84
ii. NFC SD Card 84
Figure 5.4: DeviceFidelity In2Pay microSD NFC Solution 84
iii. NFC Case or Sleeve for Smartphones 85
Figure 5.5: NFC Case for iPhone 85
iv. SIM Card Adaptations 85
5.2 Applications and Services Examples 86
5.2.1 USA 86
5.2.2 France 86
5.2.3 Japan 87
i. FeliCa Services 87
Figure 5.6: Osaifu-Keitai Service Concept 87
ii. NTT DOCOMO and KT 88
5.2.4 Turkey 88
5.3 Drivers and Constraints 89
Figure 5.7: NFC Drivers and Constraints 89
5.3.1 Specific Drivers 89
i. Customer Response 89
ii. Transaction Efficiency & Growth 89
iii. Infrastructure Availability 90
iv. MNO Plans and Successes 90
v. Future Enhancements 90
vi. Widespread NFC Applications 90
vii. Queue Busting 90
5.3.2 Specific Constraints 91
i. Business Model 91
Figure 5.8: NFC Ecosystem Top Level View 91
ii. Service Complexity and Management 92
iii. Ecosystem Incentivisation 92
iv. POS Acceptance 92
v. Regulatory Hurdles 92
Figure 5.9: Total NFC Ticketing and Retail Payments Transaction Value ($m) p.a. Split by 8 Key Regions 2011-2016 93
Table 5.1: Total NFC Ticketing and Retail Payments Transaction Value ($m) p.a. Split by 8 Key Regions 2011-2016 94

Mobile Money Transfer

6.1 Introduction 95
6.2 Operators and Initiatives 96
6.2.1 GSMA Mobile Money Initiatives 96
i. MMT (Mobile Money Transfer) 96
ii. MMU (Mobile Money for the Unbanked) 96
6.2.2 Safaricom M-PESA 97
i. Service Description 97
ii. Service Statistics 98
iii. Service Developments 98
6.2.3 Western Union 99
6.2.4 Nokia Money 100
6.2.5 Smart Money 101
Figure 6.1: SmartMoney Service Features 101
6.3 Specific Drivers and Constraints 102
Figure 6.2: Mobile Money Transfer: Drivers and Constraints 103
6.3.1 Specific Drivers 103
i. Attractive to Users 103
ii. The MNO Imperative 103
iii. First-time Financial Access 104
iv. Real Cash Alternative 105
v. Migrant Worker Remittances 105
6.3.2 Specific Constraints 105
i. Consumer Awareness 105
ii. Regulatory Issues 106
iii. KYC (Know Your Customer) Requirements 106
iv. Lack of Interoperability 106
v. Inadequate Local Agent Networks 107
vi. Cost of International Money Transfer 107
vii. Service Security and Trust 107
viii. Network Reliability 107
ix. The Recession 107
6.4 Market Forecast 108
Figure 6.3: Total Value of All Mobile Money Transfers ($m) p.a. Split by 8 Key Regions 2011-2016 108
Table 6.1: Total Value of All Mobile Money Transfers ($m) p.a. Split by 8 Key Regions 2011-2016 109

Mobile Banking

7.1 Introduction 111
7.2 Applications & Services Types 111
7.3 Applications and Services Examples 112
7.3.1 North America 112
i. Bank of America 112
Figure 7.1: Bank of America Native iPad App 114
ii. USAA 115
Figure 7.2: USAA iPhone App Mobile Remote Deposit Capture 115
7.3.2 Latin America 116
i. Transfer 116
ii. Bradesco 117
Figure 7.3: Bradesco Mobile Services 117
7.3.3 Western Europe 117
i. Barclays 117
ii. BNP Paribas 119
Figure 7.4: BNP Paribas' Process for Checking Transaction History 121
7.3.4 Central and Eastern Europe 121
i. Raifeisen Bank Polska 122
Figure 7.5: Raifeisen Bank Poland's Mobile Bank Application for the iPhone 123
ii BRD Groupe Societe Generale 123
7.3.5 Indian Subcontinent 124
i. Dutch-Bangla Bank Ltd 124
ii. MCB Bank 125
Figure 7.6: MCB Main Menu 126
7.3.6 Far East & China 126
i. Jibun Bank 127
Figure 7.7: Jibun Passbook Application for the iPhone 128
ii. SK Telecom 128
7.3.7 Rest of Asia Pacific 130
i. National Australia Bank 130
7.3.8 Africa & Middle East 130
i. M-Kesho 131
Figure 7.8: M-KESHO Mobile Banking Solution 132
ii. Standard Chartered Bank 134
Figure 7.9: Standard Chartered Bank's SMS Banking Service 135
7.4 Specific Drivers and Constraints 136
Figure 7.10: Mobile Banking: Specific Drivers and Constraints 136
7.4.1 Specific Drivers 136
i. Cost Savings 136
ii. Customer Retention and Acquisition for Banks 136
iii. Lower Churn for MNOs 137
iv. New Revenue Channel for Banks 137
v. Revenue Sharing and Co-operation in the Ecosystem 137
7.4.2 Specific Constraints 138
i. Resistance from MNOs 138
ii. Technology Issues and Standards 138
iii. Financial Regulations & Legislation 138
iv. Application Slickness 138
v. Skilled professionals 139
vi. Domestic Setting 139
7.5 Market Forecast 139
7.5.1 MBPP (Mobile Bill Payment and Presentation) ‘Pull' Service Transaction Value 139
Figure 7.11: Total MBPP Transaction Value ($bn) Split by 8 Key Regions 2011-2016 139
Table 7.1: Total MBPP Transaction Value ($bn) Split by 8 Key Regions 2011-2016 140

Companies Referenced

Companies Interviewed

Aepona, Badoo, Commidea, Digby, Eagle Eye Solutions, Ericsson, Gemalto, Hipcricket, i-movo, ISIS, m:coda, NeoMedia, NTT DoCoMo, OpenMarket, PayWizard, Poynt, ticketscript, Western Union

Companies Profiled

Amazon, Bank of America, Barclays, Bradesco, BRD Groupe Societe Generale , BNP Paribas, Commidea, Danal, Dutch-Bangla Bank Ltd, eBay, Eagle Eye Solutions, Hipcricket, i-movo, IMImobile, Jibun Bank, Kony Solutions, m:coda, M-PESA, MCB Bank, National Australia Bank, NeoMedia, Nokia Money, PayWizard, Poynt, Proxama, Raifeisen Bank, Safaricom, Safarilink, Smart Money, SK Telecom, Standard Chartered Bank, Telmap, ticketscript, Unwire, USAA, Western Union

Case Studies

Austrian Airlines, Belle Tire, Booker, Brooks Brothers, Days Inn, Fancharge, Garanti Bank, Greater Copenhagen Traffic Companies, IMImobile, Karen Miller, Manila Mass Transit, Ministry of Sound, Optus, Seibu Lions, Transfer, United Airlines

Companies Mentioned

1st eBank, Absa Bank, Air Kenya, Airtel, Amazon.com, América Móvil, Amor Group, Apple, AT&T Mobility, Augme Technologies, Avea, Badoo, Banamex, Banco de Oro Universal Bank, Banglalink, Bank of America, Bank of Commerce and Development, Bank of Tokyo-Mitsubishi UFJ, Barclays, Bell Canada, Belle Tire, BilltoMobile, Blockbuster, BNP Paribas, BP, Bradesco, BRD Group Societe Generale, Brooks Brothers, BT, Calypso, Central Bank, CIBC, Citigroup, Citycell, Clear Channel, Comet, Comviva, Connected TV, Copenhagen Metro, couponcabin.com, Danal, Days Inn, Disney Mobile, DSB, Dutch-Bangla, Bank Ltd, eBay, E-mobile, EnStream LP, Equity Bank, Etislalat, Europay MasterCard, Faulu Kenya, FeliCa, Ford, Fundamo, G&D, Garanti Bank, Gemalto, Globe Telecom, Globe, Hana Bank, Hypertag, IATA, i-movo, Intel Corporation, Intuit, IPTV, ITSO, Jamster, Jibun Bank, John Lewis Partnership, Jumptap, Karen Miller, KDDI, Kenya Airways, KFC, Kookmin Bank, KorAm Bank, Korea Exchange Bank Credit Service, KT, LG Card, Lloyds TSB, Luup, Macy's, MasterCard, Maxis, mBlox, MCB Bank, mCheck, MGt Group, MiFare, MillerCoors, M-Kesho, Mobilis Orange, Mobiqua, MobiVending, Mocapay, MoreMagic, Movia, Mozido, MTN Group, MTN Uganda, MTS, Naivas, National Australia Bank, NatWest, Nestle, ngpay, Nokia Money, Nokia QT, NTT DoCoMo,O2,Obopay, OPTUS, Orange FT Group, Orange, Orascom, Payforit, PayPal Mobile, PayPal, Pipistrel, Raiffeisen Bank Poland, Raiffeisen Banking Group, Rakuten, RBS, Reserve Bank of India, RIM, Rogers Communications, Royal Bank of Scotland, Samsung Card, SFR, SingTel, SK Telecom, Sky, Skype, Smart, SmartMoney, Softbank, Sony, Standard Chartered Bank, State Bank of India, Sybase 365, Symbian, TDC Denmark, Telecom Italia Mobile, Telefónica, Telefónica-O2, TELUS Corp, Tesco, The World Bank, T-Mobile, Transfer, Uchumi, Uganda Telecom, Citibank, USAA, Utiba Pte, Venyon, Virgin Media, Virgin Money, Virgin, Visa, ViVOTech, Vodacom, Vodafone, Wachovia, Warid, Watchdata, Wells Fargo, YellowPepper, YES Bank, Zain, Zong

Extra Info

◊ 8 key regions includes:

North America, Latin America, Western Europe, Central & Eastern Europe, Far East & China, Indian Subcontinent, Rest of Asia Pacific and Africa & Middle East.

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Please see: Mobile Commerce Markets. Sector-by-Sector Trend Analysis & Forecasts 2013-2017

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Key Questions

1. How is the mobile channel being exploited by mobile marketers and innovative payments, ticketing and financial services players?

2. What is the impact of NFC on the retail payments and metro ticketing markets?

3. What are the top growth segments of the mobile commerce market?

4. What will be the forecast gross transaction value of the principal mobile segments in 2015?

5. What are the unique factors driving each mobile commerce market segment?

6. What are the hurdles that mobile commerce players have to overcome to launch successful mobile commerce services in each segment?

7. What strategic steps should mobile commerce players take to develop their businesses?

8. Which regional mobile commerce markets are growing fastest?

Any Questions about this report please contact us.

 

Related Reports:

NFC Retail Marketing & Mobile Payments, Mobile Payments for Digital & Physical Goods., Mobile Payment Strategies., Mobile Coupons., Mobile Money Transfer & Remittances., Mobile Banking for Developed & Developing Markets, Mobile Ticketing Evolution, The Mobile Commerce Briefing 2012-2016

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