Strategies for Developed and Developing Markets 2014-2019
|No of Pages:||34|
|Coverage:||Global ~ 8 key regions◊|
• Wallet Evolution Explained
• Disruptive Factors Assessed
• Benchmark Industry Forecasts
This first edition of Juniper’s Mobile Wallets report provides an essential guide to the wallet’s role within the mobile payments ecosystem, exploring the extent to which wallets and payment services have been deployed across both developed and developing markets.
Providing an in-depth assessment of key wallet functionalities and an evaluation of the impact of disruptive developments such as HCE (Host Card Emulation)-based secure elements and the likely launch of an Apple iWallet, this report is the most authoritative publication yet on the sector.This is supported by the accompanying Interactive Forecast Excel (IFxl).
Expert analysis is backed up by interviews with and commentaries from leading players across the mobile payments industry, including eServGlobal, NXP, Proxama, SimplyTapp and Visa Europe.
Juniper delivers the benchmark forecasts on the mobile wallet sector. The report includes 9 tables and 5 charts, providing forecasts for 8 key regions including:
• Mobile Wallet User Base
• Mobile Wallets With Proximity Payment Functionality
• Average Usage Levels
• Total Transaction Volumes
• Total Transaction Values
Interactive Forecast Excel
Juniper Research’s highly granular IFxls (Interactive Forecast Excels) enable clients to manipulate Juniper’s forecast data and charts to test their own assumptions, perform what-if analysis; and compare select markets side by side in customised charts and tables. IFxls greatly increase clients’ ability both to understand a particular market and to integrate their own views into the model.
The Mobile Wallets IFxl (Interactive Forecast Excel) contains country-level forecasts for 4 key national markets (US, Canada, Germany and UK) in more than 700 datapoints.
Table of Contents
- Executive Summary
- 1. The Mobile Wallet (R)evolution
1.2 What is a Mobile Wallet?
1.2.1 Wallet Ecosystem Elements
i. POS Supplier
ii. Secure Element Provider
iii. Trusted Service Manager
Figure 1.1: Simple NFC Payment Provisioning Architecture
iv. Payment Network Provider
v. Personalisation Bureau
vi. Wallet Developer
vii. OS Provider
1.3 Mobile Wallets for Developing Markets
Figure 1.2: The Evolution of Mobile Money
1.3.2 Mobile Payments
i. Case Study: M-PESA
Figure 1.3: M-PESA Registered Subscribers (m), Kenya, 2008-2013 (FYE 31 March)
1.3.3 Micro-insurance and Loan Disbursement
1.3.4 The eCommerce Wallet
i. Case Study: Alipay
1.4 Mobile Wallets for Developed Markets
1.4.1 Beyond Remote Payments: Enabling Proximity Payments
1.4.2 Monetising the Ecosystems: Contactless Business Models
i. ‘Single Player’ Consortia
Case Study: Google Wallet
ii. 2 Party Consortia
iii. MNO-led Consortia
a. MNO Example: ISIS
Figure 1.4: ISIS Mobile Wallet Screenshot & Retailer Logo
b. MNO Example: Weve
iv. ‘Integrated’ Consortia
Table 1.1 Selected Cityzi/NFC Commercial Services, early 2014
1.4.3 Beyond NFC: Contactless Disruption
i. Apple: From Passbook to iWallet?
a. iBeacon/BLE to Enable Contactless Payments?
Figure 1.5: Apple, Proposed Mobile Secure Payment Mechanism
ii. PayPal Beacon
iii. Implications of Beacon-based Solutions
b. Implications for Proximity Payment Adoption
c. Implications for Proximity Payment Stakeholders
1.4.3 The Banking Opportunity
i. Simplifying P2P Payment: Paym
ii. Contactless Revived: Re-energising NFC through HCE
1.4.4 The Retailer Opportunity
i. Retailer Wallets: Starbucks
ii. From QR codes to ‘open contactless’
1.4.5 P2P in Developed Markets
i. Case Study: Venmo
- 2. Mobile Wallet Forecasts
2.2 Global Mobile Device Forecast
Figure 2.1 & Table 2.1: Mobile Handset Installed Base (m) Split by 8 Key Regions, 2014–2019
2.3 Mobile Wallet User Base
Table 2.2: Proportion of Handsets with Mobile Wallets (%) Split by 8 Key Regions, 2014–2019
Figure 2.2 & Table 2.3: Mobile Wallets in Use (m) Split by 8 Key Regions, 2014–2019
2.3.1 Proximity Payment Wallets
Table 2.4: Proportion of Wallets With Proximity Payment Functionality (%) Split by 8 Key Regions, 2014–2019
Figure 2.3 & Table 2.5: Mobile Wallets with Proximity Payment Functionality (m) Split by 8 Key Regions, 2014–2019
2.4 Mobile Wallet Transaction Volumes
Table 2.6: Average Annual Transactions Per Mobile Wallet (m) Split by 8 Key Regions, 2014–2019
Figure 2.4 & Table 2.7: Mobile Wallet Transaction Volumes (m) Split by 8 Key Regions 2014-2019
2.5 Mobile Wallet Transaction Values
2.5.1 Average Transaction Values
Table 2.7: Average Transaction Value, By Selected Transaction Type and Region, 2014
Table 2.8: Average Mobile Wallet Transaction Value (m) Split by 8 Key Regions 2014-2019
2.5.2 Total Transaction Values
Figure 2.5 & Table 2.9: Total Mobile Wallet Transaction Values Per Annum ($m) Split by 8 Key Regions 2014-2019
4T, Air Kenya, Alipay, American Airlines, American Eagle Outfitters, American Express, Apple, Association Française du Sans Contact Mobile, AT&T, Baidu, Bakinder, Banco Sabadell, Bank of Scotland, Barclaycard, Barclays, Bloomingdale’s, Braintree, Capital One, Chase, Citi, CorFire, Cumberland Building Society, Danske Bank, EE (Everything Everywhere), Equity Bank, Erply, eServGlobal, Europay, Fandango, First Data, Google, GSMA, Halifax, HSBC, HTC, ISIS, Kenya Airways, La Caixa, Leaf, Leapset, Live Nation/Ticketmaster, Lloyds Banks, Lufthansa, Macy’s, Mahindra Comviva, MasterCard, Micros, MLB, Mobey Forum, Motorola, Naivas Supermarkets, NCR, Nepal Telecom, NFC Forum, Nokia, NXP, O2, Orange, Paydiant, Paym, PayPal, PrivatBank, Proxama, Rabobank, RadioShack, Safaricom, Safarilink, Santander, SAP, Service Mobile Sans Contact, ShopKeep, SIMalliance, SimplyTapp, Sony, Sprint, Square, Starbucks, Subway, Target, Telefonica, Tencent, T-Mobile, Toys’R’Us, TSB, Uchumi Supermarkets, UK Payments Council, United, Vend, Venmo, VeriFone, Verizon, Visa, Visa Europe, Vodafone, Walgreens, Weve, Yintai.
◊8 Key Regions include: 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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• What are the prevalent business models within the mobile wallet space?
• How many mobile wallets are in use today, and how many will be in use in 5 years’ time?
• What are the key elements within the mobile wallet ecosystem?
• What are the primary requirements for mobile wallets in developing markets?
• What effect will the deployment of iWallet have on the wider mobile wallet space?
• How can retailers implement mobile wallets?
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