MOBILE MONEY. Gabriel Zema. SMM Managing Director ICT Senior Consultant

Transcription

1 MOBILE MONEY Gabriel Zema SMM Managing Director ICT Senior Consultant

2 Le monde change Tout le monde a connu cette époque Aujourd hui nous rêvons tous de ceci

3 La musique mobile A une certaine époque Ensuite l innovation

4 L argentet la mobilité L argent cash un moyen de paiement universellement utilisé Tout le monde a besoin de se déplacer avec de l argent partout oùil va. Qu arrive t il quand la somme devient importante?

5 L innovation de moyens de paiement Les moyens de paiement électronique, plus sécurisés, souples et rapides a utiliser se sont répandus partout dans le monde h Magnetic Stripe -Global Interoperability Standard EMV/Contactless - Advanced Security - Growing penetration - Foundation infrastructure for future chip products Next Generation - Global Specification - Flexible Form Factors -Advanced Value-Add Functionality 55

6 Evolution Constante des Cartes et des Outils d Acceptation 6

7 Nouvelles Technologies pour l Acceptation Personnel TPE M-Commerce Comm-less Commerçants Restaurants, fast food, stations service, etc. Mobile Commerçants Taxi, cash à la livraison, etc. Mobile téléphone GPRS TPE Mobile terminal Commerçants Supermarchés, boutiques, etc. 7 Visa Confidential TPE terminal

8 Les points de vue des consommateurs Facile, rapide a utiliser C est la route vers le futur Je peux payer le parking ou acheter les journaux Moins de probleme que le cash Facile a porter, pas de pièce ni de paquets Pas besoin d un GAB Je le veux partout! SOURCE: Visa UK cardholder qualitative & quantitative research, % likely to use instead of cash! 8

9 L opportunité Le portable est certainement la première technologie omniprésente dans le monde avec plus de 3,3 milliard de téléphones 2 Miliards TVs 3,3 Milliards Portables 1,5 Milliard Cartes Visa 1 Milliard Utilisateurs Internet 800 Millions PCs 100 Millions ipods 9 Source: GSM Association; ICT Research; Morgan Stanley Global Internet Trends April 2006

10 Mobile Money 10

11 Visa Le Mobile Global aujourd hui Mobile Activities Meilleure qualité $3995 $25 Contenus riches 56Kbps 3G 3.5G 4G Cout réduit Réseau rapide Global standards 11

12 Applications Payment Point of Sale (POS) Mobile payment Remote Via Text, mobile Internet, or Interactive Voice Response Value-Add Offers Mobile offers and discounts Alerts and Notifications Customer set parameters; Issuer triggered alerts Money Transfer Remittances International & local Acceptance Mobile Acceptance Mobile device enabled to accept payments 12

13 Mobile Initiatives Contactless Remote Money Transfer Value-Add 13

14 Platforme 14

15 Pilotes avec Visa Mobile Visa mobile platform is already supporting innovative programs around the world U.S. 3 phased mobile trial with Wells Fargo Bank testing mobile payment, coupons, and account management services (June 2007) Germany Joint venture between Visa, Nokia, T-Systems and RMV2go to enable mobile payment transactions at Frankfurt railway (July 2007) Australia Visa, NAB, Telstra partnership to test contactless (August 2007) Korea Visa / SK Telecom pilot with 30k subscribers (September 2007) Taiwan Visa, Chunghwa Telecom, CTCB, and Nokia announce mobile paymenttrial (September 2007) Malaysia Visa, Nokia, Maybank and Maxis testing NFC-based mobile proximity payments (October 2007) Brazil Visa and VisaNet do Brazil to test mobile remote payments (November 2007) Canada Visa and RBC engaging in 3-phase test of NFC-based mobile proximity payments (Nov. 2007) 15

16 Mobile Visa paywave Trial - Taiwan 16

17 Mobile Money Transfer - India Project developed with HDFC, ICICI Bank and Corporation Bank in India Launched in October

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19 Battery inside But not Only! Having a Battery enable usages of other Components: Buzzer, Buttons Display Micro Chip Sensors Without changing the current issuing process for: EMV Cards RFID / NFC Cards Plastic Cards Conform to ISO STANDARDS

20 The Audio Banking Card Characteristics Card is ISO 7810/11/13 compliant Non-rechargeable battery designed for over 10,000 uses and a lifespan of 30 months Tamper-evident Graphics can be personalized Card can be embossed RFID chip Magnetic stripe

21 Bring security to voice applications 2 Strong authentication The customer must then enter his PIN code 3 Authorization and services access The customer has access to the services on the server 1 Authentication The customer authenticates by placing his/her card on the phone s microphone and by pressing the button on the card If you want to : - Modify your subscription, press 1 - Modify your personal data, press 2 - Consult the list of your calls, press 3 - Manage your account, press 4 - Activate new services, press 5 Advantages Strong and simple authentication Access to the IVR is secure & quick Value-added self-service, queue up Fast ROI : Decrease authentication time Fast and easy implementation

22 Bring security to online web access 2 Strong authentication The customer must then enter his PIN code 3 Authorization and access granted The customer has now access to his account services 1 Identification The customer authenticates by placing his/her card on the PC s microphone and by pressing the button on the card Advantages Strong and simple authentication Access through active X Value-added self-service Fast ROI : Decrease authentication time Fast and easy implementation

23 Bring security to online banking transaction 2 User wants to do a transaction The customer must now click for authorization 3 Authentication, Authorization and services access The customer is called on his phone and authenticate with his AudioCard to authorize the wire. 1 Identification To access online banking, the customer must type his identifier and his password as usual Advantages Strong and simple authentication Give access to value-added sensitive services through 2 Channels Fast ROI : Decrease fraud costs Increase self-care online services

24 USES Authenticators with dual applications Phone and web banking Secured access to banking services Fund transfer authorization Stock operations Phone and web purchases Secured access to the merchant s products and services Payment authorization and which enable banks to : improve their image of a secured bank differentiate themselves from their competitors show that they are innovative Return on investment Decrease fraud costs Propose richer banking services Capture customers who are afraid of using remote banking services

25 Multi-services and Audio Bank Card processing platform. Money Transfer Account Consultation / e-banking Bill Payment Mobile phone Recharging Salary and health cards Purchase of Goods& Services Loyalty Programs VOIP Calls

26 The Project MaâtCard intends to exploit this great potential of the mobile telephone which is highly demanded in emerging countries, particularly in Africa: One citizen = one mobile phone = one acoustic bank card Which brings out an interactive payment system where the telephone becomes the terminal to guarantee payment Economy, independence, universality LAUNCHING OF AN ACOUSTIC UNIVERSAL PREPAID AND RECHARGEABLE BANK Multi-services, multi-channels et multi-components Distant and secured access to banking services and of proximity with strong added value services Links to a virtual POS Enables the usage of the telephone as a banking or merchant terminal

27 End User Channels Point of Sales Desktop and Notebook Call Center /Help Desk Interactive TV / Kiosk Internet Parking / Door Access ATM Telecom / All Phones types

28 Facteurs de succès L Implication des banques locales La couverture et la pénétration des réseaux mobiles La Réglementation de la BCC et des autorités Le niveau d adoption des TIC notamment de l Internet La lutte contre la fraude et le vol des identités

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