移动支付价值链与商业模式——英文.ppt

* Mobile Payment Value Chain and Business Models Concept Business Model Reality Check Technology Disclaimer: Any views and/or opinions expressed in this publication by individual authors or contributors are their personal views and/or opinions and do not reflect the views and/or opinions of their employer. Mobile Payment is not a new concept and industry is littered with failed launches of mobile payment platforms. To be successful, companies will need to find solutions to alter consumer spending habits. Concept Most of the mobile payment platforms fall into four categories - Mobile Banking: This will enable users to transfer money from account to account, pay bills, manage/monitor account e.g. spending limits, credit fraud. Its success depends on the ease-of-use and robustness of the platform and the capability to aggregate accounts from multiple financial institution. e.g. Mobile banking platform providers - mFoundry and Firethron. Remote Purchase: Using the mobile phone to purchase goods through a secure portal, instead of a computer on the internet. e.g. PayPal’s Text-to-Buy enables users to make remote purchases. Person to person mobile payments: Where a mobile device can be used to complete a person-to-person transaction. In my humble opinion - it’s a useless concept. Point-of-Sale: Using a mobile device at a physical store front, at the cash register to purchase inexpensive products quickly and easily. “Almost useless“. Thankfully, cost of implementation and standardization issues will kill this before you finish reading this presentation. Concept Operators’ involvement Banks’ involvement Independent serviceprovider models Low Business Model High High Low Collaborative Models Bank-Centric Models Point-of-sale NFC payments Mobile Banking - Multiple Banks Customer-Bank-Vendors Operators Customer-ISP-Merchants Operators Customer-Mobile Operator-Merchants Banks Operator Centric Models End Customers - Not much Operators - They have fared well in be