[英文调查报告书] 行动金融服务的银行交易及付款

Abstract

This report focuses on the activities and strategies of the main players within the mobile finance industry and provides practical market projections up until 2011. Through one-on-one interviews with mobile operators, banks & credit card companies, infrastructure companies, handset & MFS(mobile financial services) vendors; this strategic report offers a complete examination of the opportunities and threats that face all members of the MFS chain. The report analyses the various mobile banking markets as well as providing forecasts for mobile banking, mobile financial information services (messaging), mobile funds transfer, mobile bill presentment & payment (MBPP),and mobile account management & customer service. This extensive report also considers applications and se services for mobile payments remote and physical) providing practical total mobile Payments usage and revenues until 2011.

Key Questions Answered by this Report:

What is the current and future market size for MFS?
What is the strategy for financial institutions, mobile network operators, credit card networks and new entrants?
What are the main market drivers for MFS?
What technologies are being adopted for MFS?
Are customers ready for the "ATM in their pocket"?
How the developed world-the great "underbanked" are embracing MFS?
What is NFC? Is it a key technology for enabling MFS and when will it gain traction?
Has the previously strained relationship between financial institution and mobile network operator improved?
Who will be the winners and losers in the MFS market?

Main Benefits

A unique source of research and analysis for the mobile financial services market including technologies, market characteristics and forecasts.
Practical analysis of emerging opportunities for vendors & operators.
Unique insights: includes interviews with leading industry players who have significant experience in the mobile financial services market.
Benefit from fresh thinking and an intelligent market assessment from a respected thought leader

Glossary

Executive Summary

Introduction
- Mobile Payment Strategies
Sector Focus
- Banks Strategies & Markets
- Handset Manufacturer Strategies & Markets
Market Projections
- Mobile Operator Strategies & Markets
  - Figure ES1: All Mobile Phone Users (m) Regional Forecast 2007-2011
  - Table ES1: All Mobile Phone Users (m) Regional Forecast 2007-2011
- Mobile Payments
  - Figure ES2: Total M-Payment Transaction Value ($m) Regional Forecast 2007-2011
- Mobile Banking
  - Figure ES3: Total Number of Mobile Banking Transactions (m) per Annum: Regional Forecast 2007-2011
- The Total Mobile Financial Services Opportunity
  - Figure ES4: Total Mobile Phone Users (m) who use MFS: Regional Forecast 2007-2011
- Conclusions

1. Mobile Financial Services Overview

1.1 Definitions
1.2 Classification
- 1.2.1 Mobile Banking Classification
  - i. Mobile Financial Information Services
  - ii. Mobile Funds Transfer
  - iii. Mobile Bill Payment and Presentment (MBPP)
  - iv. Mobile Account Management and Customer Service
- 1.2.2 Mobile Payment Classification
  - i. Remote Mobile Payment - RMP
  - ii. Physical Mobile Payment - PMP
1.3 Drivers & Constraints
- Figure 1.1: Mobile Financial Services Drivers and Constraints
- 1.3.1 Drivers
  - i. User Demand
  - ii. Cost Savings
  - iii. Increase in ARPU
  - iv. One-2-One Marketing
  - v. Enhanced Security
  - vi. First-time Access to Payments for Many in the Developing World
  - vii. Increase in Customer Retention for Mobile Operators-Lower Churn
  - viii. New Revenue Channel
  - ix. Enhanced Brand Image
- 1.3.2 Constraints
  - i. Resistance from Operators
  - ii. Technology Standards
  - iii. Business Model Issues
  - iv. Financial Regulations & Legislation
  - v. Support Issues - Who Owns the Customer?
  - vi. Payment Transactions Costs for the Retailer
  - vii. Revenue Sharing Issues

2. Mobile Banking Markets

2.1 Introduction
2.2 How is Mobile Banking Delivered ?
- 2.2.1 Messaging-based Mobile Banking
- 2.2.2 Mobile Internet (WAP)
- 2.2.3 Downloadable Application
- 2.2.4 Categories for Mobile Banking
  - i. Mobile Financial Information Services
  - ii. Mobile Funds Transfer
  - iii. Mobile Bill Payment and Presentment (MBPP)
  - iv. Mobile Account Management and Customer Service
2.3 Application & Services
- 2.3.1 Mobile Banking Applications & Services Examples
  - i. North America
    - a. Wachovia
    - b. MasterCard
    - c. Citibank
      - Figure 2.1: Citi Mobile Screen
    - d. Bank of America
      - Figure 2.2: Bank of America Mobile Screens
      - ii. South America
      - iii. Western Europe
      - iv. East Europe
      - v. Far East & China
      - vi. Indian Sub Continent
      - vii. Rest of Asia Pacific
        
        Figure 4.3: GCash P2P Services
      - viii. Africa & Middle East
      - ix. Case Study
2.4 Key Vendors
- 2.4.1 Acision and LogicaCM
- 2.4.2 Bharti Telesoft
  - Figure 4.4: Bharti Telesoft mBanking Architecture
- 2.4.3 Broca
- 2.4.4 ClairMail
  - Figure 4.5: ClairMail Mobile Banking Solutions
- 2.4.5. dotMobi
- 2.4.6. Firethorn
- 2.4.7 Fronde Anywhere
  - a. Case Study
    - The Challenge
    - The Solution
    - The Success
    - About Kiwibank
- 2.4.8. mFoundry
  - Figure 2.6: mFoundry Spotlight Platform
- 2.4.9. Monitise
- 2.4.10 Sevenval
- 2.4.11 Sybase and Sybase 365

3. Mobile Banking Forecasts

3.1 Definitions
3.2 Mobile Banking
- 3.2.1 Users (Combined)
  - Table 3.1: Mobile Phone Users (% ) Who use Mobile Banking - Regional Forecast 2007-2011
  - Figure 3.1: Total Mobile Phone Users (m) Who use Mobile Banking - Regional Forecast 2007-2011
  - Table 3.2: Total Mobile Phone Users (m) Who use Mobile Banking - Regional Forecast 2007-2011
- 3.2.2 Traffic (Combined)
  - Figure 3.2: Average Number of Mobile Banking Transactions Made per Mobile Banking user per Annum - Regional Forecast 2007-2011
  - Table 3.3: Average Number of Mobile Banking Transactions Made per Mobile Banking per annum Regional Forecast 2007-2011
  - Figure 3.3: Total Number of Mobile Banking Transactions (m) per Annum - Regional Forecast 2007-2011
  - Table 3.4: Total Number of Mobile Banking Transactions (m) per Annum - Regional Forecast 2007-2011
- 3.2.3 Transaction Value (Combined)
  - Table 3.5: Average Mobile Banking Transaction Value ($) - Regional Forecast 2007-2011
  - Figure 3.4: Total Mobile Banking Transaction Value ($m) - Regional Forecast 2007-2011
  - Table 3.6: Total Mobile Banking Transaction Value ($m) - Regional Forecast 2007-2011
3.3 Mobile Financial Information Services
- 3.3.1 Users
  - Table 3.7: Mobile Phone Users (% ) Who use Mobile Financial Information Services - Regional Forecast 2007-2011
  - Figure 3.5: Total Mobile Phone Users (m) Who use Mobile Financial Information Services - Regional Forecast 2007-2011
  - Table 3.8: Total Mobile Phone Users (m) who use Mobile Financial Information Services - Regional Forecast 2007-2011
- 3.3.2 Traffic
  - Figure 3.6: Average Number of Mobile Financial Information Service Requests/Messages Made per MFS User per Annum - Regional Forecast 2007-2011
  - Table 3.9: Average Number of Mobile Financial Information Service Requests/messages Made per MFS User per Annum - Regional Forecast 2007-2011
  - Figure 3.6: Total Number of Mobile Financial Information Service Requests/messages per Annum (m) - Regional Forecast 2007-2011
  - Table 3.10: Total Number of Mobile Financial Information Service Requests/messages per Annum (m) - Regional Forecast 2007-2011
3.4 Mobile Funds Transfer
- 3.4.1 Users
  - Table 3.11: Mobile Phone Users (% ) Who make Mobile Funds Transfers - Regional Forecast 2007-2011
  - Figure 3.7: Total Mobile Phone Users (m) Who make Mobile Funds Transfers - Regional Forecast 2007-2011
  - Table 3.12: Total Mobile Phone Users (m) who make Mobile Funds Transfers - Regional Forecast 2007-2011
- 3.4.2 Traffic
  - Figure 3.8: Average Number of Mobile Funds Transfers Made per MFS User per Annum - Regional Forecast 2007-2011
  - Table 3.13: Average Number of Mobile Funds Transfers Made per MFS User per Annum - Regional Forecast 2007-2011
  - Figure 3.9: Total Number of Mobile Funds Transfers (m) Made per Annum - Regional Forecast 2007- 2011

4. Mobile Payment Markets

4.1 Introduction
4.2 Application & Services
- 4.2.1 Remote Mobile Payment - RMP
  - i. Premium Rate SMS (PSM Goods)
    - a. Applications & Services Examples
      - North America
      - South America
      - Western Europe
      - Far East & China
    - b. Vendors
      - mBlox
      - Netsize
      - Sybase 365
      - 2B) Payment
  - a. Applications & Services Examples
  - b. Vendors
    - Valista
    - Trivnet
- Mobile Web & WAP Billing
  - a. Applications & Services Examples
    - Western Europe
    - Rest of Asia Pacific
  - b. Vendors
    - Upaid
    - txtNation
  - c. Case Study
    - and Account Based Payment
      - Figure 4.2: Google Gpay Patent image
  - a. Applications & Services Examples
    - North America
    - Western Europe
    - Eastern Europe
    - Far East & China
    - Indian Sub Continent
  - b. Vendors
    - txtNation
    - ShopText
    - TxtOrder
- v. Person-to-Person (P2P) Payment
  - a. Applications & Services Examples
    - North America
      - Figure 4.4: Obopay SMS P2P Service
    - Europe
    - Rest of Asia Pacific
    - Indian Sub Continent
    - Africa & Middle East
  - b. Vendors
- 4.2.2 Physical Mobile Payment - PMP
  - i. Text & PIN
    - a. Applications & Services Examples
      - Western Europe
        
        Figure 4.5: Mobile Payment Enabled Coca-Cola Vending Machine
      - Eastern Europe
      - Rest of Asia Pacific
        
        Figure 4.6: TXT-a-Park in Operation in Wellington, New Zealand
    - b. Vendors
      - Fronde
        
        ii. Wave & Pay
      - a. Applications & Services Examples
        
        North America
        
        Figure 4.7: NYC NFC Trial 2007
        
        Western Europe
        Far East & China
      - b. Vendors
        
        Venyon
        
        Figure 4.8: Venyon NFC OTA Service Offering
        
        IN SIDE Contactless
        NXP
        ViVO tech
        
        Figure 4.9: NFC-enabled Nokia 3220 Making a Contactless Transaction

5. Mobile Payments Forecasts

5.1 M-Payment Users
- Table 5.1: Mobile Phone Users (% ) who make M-Payments - Regional Forecast 2007-2011
- Figure 5.1: Total Mobile Phone Users (m) Who make Mobile Payments - Regional Forecast 2007-2011
- Table 5.2: Total Mobile Phone Users (m) Who make Mobile Payments: Regional Forecast 2007-2011
5.2 M-Payment Traffic
- Figure 5.2: Average Number of M-Payments Made per M-Payments User per Annum - Regional Forecast 2007-2011
- Table 5.3: Average Number of M-Payments Made per M-Payments User per Annum Regional Forecast 2007-2011
- Figure 5.3: Total Number of M-Payment Transactions per Annum (m) Regional Forecast 2007-2011
- Table 5.4: Total Number of M-Payment Transactions per Annum (m) Regional Forecast 2007-2011
5.3 M-Payment Transaction Value
- Table 5.5: Average M-Payment Transaction Value ($) - Regional Forecast 2007-2011
- Figure 5.4: Total M-Payment Transaction Value ($m) Regional Forecast 2007-2011
- Table 5.6: Total M-Payment Transaction Value ($m). Regional Forecast 2007-2011
- Figure 5.5: Average M-Payment Transaction Value per M-Payment User per Annum ($) Regional Forecast 2007-2011
- Table 5.7: Average M-Payment Transaction Value per M-Payment User per Annum ($) Regional Forecast 2007-2011

6. Mobile Financial Services: Strategies & Markets

6.1 Mobile Operators
- 6.1.1 Introduction
- 6.1.2 Revenue Problems
  - i. Falling Voice Revenues
  - ii. Margin Squeeze
  - iii. Revenue Substitution & Cannibalisation Issues
  - iv. Increase in Data ARPU
- 6.1.3 Revenue Opportunities
  - i. How Do Operators Make Money Out of MFS?
  - ii. Mobile Operators as MFS Provider -Taking on the Banks
  - iii. Co-operation in the MFS Ecosystem - Revenue Sharing
- 6.1.4 An Operator-Led Payment Alternative to PSMS
- 6.1.5 GSM Association ‘Pay-Buy Mobile' Initiative
- 6.1.6 Challenges
  - i. Nightmare Scenario - Operators Left Out in the Cold
6.2 Financial Institutions
- 6.2.1 Introduction
- 6.2.2 Cost Savings from Delivering Banking Services to the ‘Fourth Screen'
- 6.2.3 One-2-One Marketing
- 6.2.4 Mobile Payments - An End to Cash?
- 6.2.5 Legislation
6.3 Handset Manufacturers
- 6.3.1 Introduction
- 6.3.2 Strategy & Market
- 6.3.3 NFC Handset Forecast
6.4 New Entrants
- 6.4.1 Introduction
- 6.4.2 Drivers
  - i. Retailers and Consumers Unhappy With Existing Payment and Remittance Fees
  - ii. Designing an MFS Application Specifically for a Mobile
  - iii. Large Market - “The Great Underbanked ”
- 6.4.3 Constraints
- 6.4.4 Markets

7. Mobile Financial Services Forecasts

7.1 Mobile Financial Services Forecasts
- 7.1.1 Mobile Financial Services (MFS) Forecasts
- 7.1.2 MFS Users
  - Table 7.1: Mobile Phone Users (% ) who use MFS: Regional Forecast 2007-2011
  - Figure 7.1: Total Mobile Phone Users (m) who use MFS - Regional Forecast 2007-2011
  - Table 7.2: Total Mobile Phone Users (m) who use MFS: Regional Forecast 2007-2011
- 7.1.3 Mobile Financial Services Traffic
  - Figure 7.2: Average Number of MFS Transactions Made per MFS User per Annum - Regional Forecast 2007-2011
  - Table 7.3: Average Number of MFS Transactions made per MFS User per Annum: Regional Forecast 2007-2011.
  - Table 7.4: Total Number of MFS Transactions per Annum (m) - Regional Forecast 2007-2011
- 7.1.4 Mobile Financial Services Transaction Value
  - Table 7.5: Average MFS Transaction Value ($) - Regional Forecast 2007-2011
  - Figure 7.4: Total MFS Transaction Value ($m) - Regional Forecast 2007-2011
  - Table 7.6: Total MFS Transaction Value ($m) - Regional Forecast 2007-2011

8. Standards & Forums

8.1 Introduction
8.2 Who is Doing What?
- Table 8.1: Overview of Forum Activity
- 8.2.1 dotMobi
- 8.2.2 ETSI
  - i. Members
- 8.2.3 The GSM Association
  - i. Members
- 8.2.4 International Organisation for Standards (ISO)
  - i. Members
- 8.2.5 Mobey Forum
  - i. Members
- 8.2.6 Mobile Payment Forum
  - i. Members
- 8.2.7 NFC Forum
  - i. Members
- 8.2.8 Open Mobile Alliance (OMA)
  - i. Members

行动金融服务的银行交易及付款市场、2007年至2011年

Mobile Financial Services Banking & Payment Markets 2007-2011

Abstract

Key Questions Answered by this Report:

Main Benefits

Table of Contents

Glossary

Executive Summary

1. Mobile Financial Services Overview

2. Mobile Banking Markets

3. Mobile Banking Forecasts

4. Mobile Payment Markets

5. Mobile Payments Forecasts

6. Mobile Financial Services: Strategies & Markets

7. Mobile Financial Services Forecasts

8. Standards & Forums