The impacts of m-payment on financial services Novembre 2011

Transcription

1 The impacts of m-payment on financial services Novembre 2011

2 3rd largest European postal operator by turnover The most diversified European postal operator with 3 business lines 2010 Turnover Mail 52% 20,9 billions A major economic player employees at the end of 2010 La Poste, a corporation with 100% public capital since March 1, 2010 Parcel Express 23% Mail 149 M La Banque Postale 24% Retail, Property and Head of the Group 100% of its activities open to competition 15.2% of turnover is international La Poste is held by the State and the Caisse des Dépôts et Consignations (French public investment organization) The CDC holds 26% of its capital A 2.7 billion increase in capital Parcel Express 336 M -431M La Banque Postale 730 M 2010 Operating Results 784 M

3 60% of the mankind has a mobile phone 99,7% 92,1% «The average man» 4,800 % adoption France ,200 A chinese man, 28, with a mobile phone, but no bank account Number of mobile phones WW (millions of units)

4 Payment instruments 1130 m-payment Cheques Other Credit transfer Credit card 37 Direct debits Europe M-payment WW ($ billions)

5 The 3 types of m-payment Market share Market Examples Text2pay (SMS/MMS) 77% 59% 5 billions users Application 7% 4% 1billion users (2014) NFC 16% 37% Roll out from 2011

6 Near Field Communication To pay, just move your mobile phone in front of the NFC terminal 2015 : 53% of the smartphones will have a NFC chip. In 2015, NFC payments will reach 112 Billions 80 millions e-wallets, retailers with NFC terminal But less than 20% uses m-payment The NFC experience in Nice (France) started in spring As of today, less than 1% of the citizens are client.

7 M-payment : why? Retailers Customers Quick payment (less queuing) Low commissions New marketing channel Loyalty program Easy to use Real time access to their accounts Secured transactions Low commissions Withdraw money from cash machines with the mobile Have a unique support for all loyalty programs Cross border payments Micro payments using twitter/paypal

8 Tourism 16 tourist sites are equiped with NFC chips Transportation Loyalty program La croissanterie Loyalty avenue Tape a l oeil Game Carte magique M-payment 3 partnerships with banks 1500 places with flashcodes to buy tickets Ticket purchase & validation on NFC terminal

9 M-payment projects Cityzi USA -Europe 10 millions users 70%-100% banking rate Japan 28 millions users 99% banking rate Boku ISIS Africa India NTT Domoco >27 millions users <1 million users 45% banking rate Orange money 5% banking rate M-Pesa Airtel

10 SMS services Money deposit & withdrawal Money transfer Bill payment Airtime purchase Results 9 millions M-pesa subscribers : 40% of adult people 11% of Safaricom revenues Annual D&W : $ 8 billions Kenya 40 millions people 14 millions Safaricom subscribers GDP : $ 32 billions 10% bank rate

11 New powerful players in financial services Mobile Manufacturers Mobile operators NTT DoCoMo, Safaricom, Orange, AT&T, Retailers Payment service providers