市場調査レポート

デジタルマネー:非接触決済カードとモバイルペイメントの融合

Digital Money: The Convergence of Contactless Card and Mobile Payment

発行 ARCchart 商品コード 206588
出版日 ページ情報 英文 80 Pages
納期: 即日から翌営業日
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デジタルマネー:非接触決済カードとモバイルペイメントの融合 Digital Money: The Convergence of Contactless Card and Mobile Payment
出版日: 2011年07月20日 ページ情報: 英文 80 Pages
概要

各国の政府や金融機関、販売店が現金の利用を減らすための施策を講じるなか、小額取引の分野ではデジタルマネーが一般的な支払い方法になると見られています。カードを読み取り機に近づけることで支払いを行う非接触決済カードは、このビジョンの実現にある程度貢献しており、その発行枚数は2011年末の時点でカード全体の6%に相当する3億9,600万枚に達すると見られています。しかし、単なる支払い機能だけではなく、付加価値の高いサービスを提供することができるような技術を求める声も強まっており、これを可能にする有力な手段としてモバイルデバイスに期待が集まっています。

当レポートは、カードベースの非接触決済システムと近距離無線通信規格NFCに対応するモバイルデバイスの融合という観点からデジタルマネー技術を詳細に分析したもので、有望なビジネスモデルや新たなビジネスチャンスなども展望し、概略以下のような内容でお届けいたします。

当レポートで取り上げているテーマ

  • カードベースおよびNFC対応のモバイルデジタルマネーサービスを推進している組織
  • ユーザーの取引を保護するためのセキュリティ対策
  • 非接触決済機能と各種サービス機能を携帯端末に統合するための設計上の選択肢
  • インターネット企業が既存企業に対して発揮すると見られる破壊的な力
  • カードとNFC対応モバイル決済サービス業界の生態系
  • モバイルNFC決済サービスの有力企業のプロファイル
  • モバイルNFCサービス関連企業の戦略に関する提言
  • モバイルNFC対応サービスの売上高見通し
  • 市場規模と予測

当レポートで取り上げている企業と組織

  • American Express
  • Apple
  • AT&T
  • Avea
  • Barclaycard
  • Bouygues Telecom
  • Caffe Nero
  • Cardis
  • China Unicom
  • Consult Hyperion
  • Directel
  • Garanti Bank
  • Gemalto
  • Google
  • HP
  • Hypercom
  • KDDI
  • Korea Telecom
  • LG
  • London Underground
  • MasterCard
  • McDonalds
  • mFoundry
  • Microsoft
  • Morrison
  • Motorola
  • Nokia
  • NTTドコモ
  • NXP
  • O2
  • Orange
  • PC World
  • RIM
  • Sagem
  • Sainsbury
  • Samsung
  • SFR
  • SK Telecom
  • ソフトバンク
  • Sony Ericsson
  • Starbucks
  • Telefonica
  • T-Mobile
  • TwinLinx
  • Verizon
  • Visa
  • VIVOtech
  • Vodafone

当レポートでは以下の疑問点に対して回答や選択肢が提示されています

  • デジタルマネーとは何か
  • 2015年に出荷される非接触カードとNFC対応デバイスの数
  • これまでNFCが成功を収められずにいる理由
  • 2015年時点でのNFC対応スマートフォンの割合
  • 2015年時点での非接触決済システム(カードと携帯電話)の利用者数
  • 今後のデジタルマネー市場発展の道筋
  • アプリケーション開発企業にとってビジネスチャンスが見込める分野
  • 各種商業用途でデジタルマネーが使われるようになる時期
  • デジタル市場で勝者になる企業と敗者になる企業
目次

An in-depth study of the emergence of digital money as it converges from card based proximity payments to mobile devices

All over the world governments, financial institutions, and merchants are taking measures to reduce the use of cash. Digital money is set to become the norm for low value transactions. At present, this goal is partly being achieved through the use of card-based proximity payment methods. However, to be truly successful digital money needs to evolve beyond a mere payment method into a source of benefit for individuals based around value-added services. This can only be attained through the use of mobile devices.

The number of contactless cards is set to reach 396 million by the end of 2011, equaling just 6% of all cards in circulation, and few of these cards offer value-added services other than links to loyalty schemes. By contrast, there are approximately 5.1 billion mobile users worldwide and this is set to reach 7.1 billion by the end of 2015. The scope to develop applications that enhance people' s lives in ways that go beyond payments is significant. ARCchart estimates that the number of users accessing services and buying goods using NFC-enabled devices will total 588 million by 2015.

This report examines the emergence of digital money from the perspective of the convergence of card-based proximity payments to the use of NFC-enabled mobile devices. Business models are identified which examine how companies can benefit from the deployment of NFC in mobile devices, generating opportunities beyond those associated with traditional transaction type activities, such as ticketing and retail.

ARCchart believes that 2011 will be the year when reality hits and industry participants finally acknowledge the challenges that need to be overcome to fully commercialise NFC. Internet companies such as Apple, Google, and Yahoo are best placed to take advantage of this technology. Incumbent players in the telecoms market are at risk of being left out.

Topics of coverage include:

  • Organisations behind card-based and NFC-enabled mobile digital money services
  • Security considerations for protecting user transactions
  • Design options for integrating proximity payment and services functionality into mobile handsets
  • The disruptive forces that Internet players will have on incumbent players
  • The ecosystem for card and NFC-enabled mobile payments
  • Company profiles of selected leaders in mobile NFC payments
  • Recommendations on strategy for the various mobile NFC stakeholders
  • Revenue projections for mobile NFC-enabled services
  • Market size and forecasts

Companies and organisations mentioned, discussed or reviewed include:

  • American Express
  • Apple
  • AT&T
  • Avea
  • Barclaycard
  • Bouygues Telecom
  • Caffe Nero
  • Cardis
  • China Unicom
  • Consult Hyperion
  • Directel
  • Garanti Bank
  • Gemalto
  • Google
  • HP
  • Hypercom
  • KDDI
  • Korea Telecom
  • LG
  • London Underground
  • MasterCard
  • McDonalds
  • mFoundry
  • Microsoft
  • Morrison
  • Motorola
  • Nokia
  • NTT DoCoMo
  • NXP
  • O2
  • Orange
  • PC World
  • RIM
  • Sagem
  • Sainsbury
  • Samsung
  • SFR
  • SK Telecom
  • Softbank
  • Sony Ericsson
  • Starbucks
  • Telefonica
  • T-Mobile
  • TwinLinx
  • Verizon
  • Visa
  • VIVOtech
  • Vodafone

Answers and opinions are provided with respect to the following essential questions:

  • What is digital money?
  • How many contactless cards vs. NFC-enabled devices will ship in 2015?
  • Why has NFC failed so far?
  • What portion of smartphones will be NFC-enabled by 2015?
  • How many people will have access to contactless payments (card and phone) by 2015?
  • How will the digital money market evolve over the coming years?
  • Where are the opportunities for application developers?
  • When will digital money start to appear in commercial applications?
  • Which companies are going to emerge as winners/losers in the digital market?

Table of Contents

A. INTRODUCTION

  • Card Technologies
  • Contactless Technologies
  • More than Just a Payment Solution
  • A.2. Report Overview
    • Aims and Focus of the Report
  • A.3. Definitions
    • Digital Payment
    • Proximity Technologies
    • NFC Technology
    • Types of Payment
    • Transaction Terminology

B. GLOBAL DEMOGRAPHIC CONSIDERATIONS

  • B.1. Population Matters
    • Developed Markets versus Developing Markets
    • Targeting the Unbanked
    • Improving Access to Financial Services

C. CONTACTLESS PAYMENTS ECOSYSTEM

  • Payment Types
  • Card Based Payments
  • Mobile Devices Payments
  • C.2. Market Participants
    • Financial Institutions
    • Mobile Operators
    • Handset Manufacturers
    • Technology Suppliers
    • Retailers
  • C.3. Company Profiles
    • Hypercom
    • NXP
    • O2 UK
    • Orange France
    • Visa
    • UnionPay
    • Consult Hyperion
    • mFoundry
    • Cardis
  • C.4. Contactless Payment Trials and Case Studies
    • Nice Trial
    • Garanti Bank, Turkey
    • Barclaycard, UK
    • MasterCard

D. MARKET DRIVERS, BARRIERS AND CHALLENGES

  • D.1. Market Drivers
    • Key Ecosystem Players Are Now On-board
    • Financial Institutions
    • Mobile Operators
    • Mobile Subscribers Base is at Critical Mass
    • Value-added Fees
    • Replacement for Legacy Payment Methods
    • Contactless versus Coins
    • Reducing Short-Change
    • Ticketing Adds Value to Contactless Payments
  • D.2. Market Restraints
    • The Financial Basis for Digital Money
    • Cost of Deploying EPOS Terminals
    • Getting Consumers On-board
    • Developing Vertical Markets
    • Co-operation amongst Ecosystem Players
    • Security Issues
    • Copying Information
    • Merchant Lapses
    • Stolen Devices
    • Regulatory Uncertainty

E. MOBILE PHONE AS A DIGITAL MONEY ACCESS POINT

  • E.1. NFC Technology
    • NFC Forum
    • The NFC Standard
    • Pairing Modes
    • Handset Implementation
    • NFC Applications
    • Alternatives to NFC Technology
    • RF-SIM
    • Wi-Fi and Bluetooth
    • Barcodes
  • E.2. The Mobile Phone Market
    • Handset Market Size and Forecast
    • Regional Breakdown
    • Smartphones
    • Mobile Subscription Numbers
    • Market Potential
    • Planned NFC Support by OEMs
    • Apple
    • Google
    • HP
    • LG
    • Motorola
    • Nokia
    • RIM
    • Samsung
    • Sony Ericsson
    • Production Costs
    • Mobile Operators
    • Missed Opportunity to Control Ecosystem
    • Challenge of Going to Market

F. CONTACTLESS PAYMENT METHODS

  • F.1. Geographical and Economic Considerations
  • F.2. Cards as a Contactless Payment Method
    • Global Trends
    • Paving the Way for NFC
    • Developed Countries
    • Emerging Countries
    • Cost of Devices
  • F.3. Mobile as a Contactless Payment Method
    • Geographical Considerations
    • North America
    • Europe
    • APAC
    • MEA
    • RoW
    • Industry Participant Attitudes Towards NFC Implementation
    • Device Manufacturer
    • Financial Institution
    • Mobile Operators
    • Mobile Payments Value-Chain
    • Mobile Payment Fees
    • Hosting Model
    • Transaction Model
    • Percentage Model
    • NFC Market Evolution
    • NFC devices
    • NFC User Base
    • Mobile Operator NFC Revenues
    • Alternative Revenue Approaches

G. OUTLOOK: CONTACTLESS DEVELOPMENTS

  • Regional Applications as a Driving Force
  • Importance of Loyalty and Coupon Schemes
  • G.1. The Road Ahead
    • Status of Contactless Cards
    • Status of Mobile Phone NFC
    • UK
    • Europe
    • APAC
    • US
    • Global
  • G.2. NFC Reality Check
    • Limited Handset Availability
    • Redundant Business Models

H. MARKET SIZE AND FORECASTS

  • H.1. Methodology
    • Key Assumptions
  • H.2. The Digital Payment Market
    • Contactless Cards
    • The Mobile Phone Market
    • Mobile Subscribers
    • Smartphones
    • NFC Handsets to Displace Cards
    • The NFC Subscriber Base
    • Regional Market for NFC Devices

I. MARKET BUILDING STRATEGIES

  • I.1. Card Suppliers
    • Expanding the Merchant Base
    • Card Replacement Program
    • Educating Consumers and Building Awareness
  • I.2. Mobile Operators
  • I.3. Device Manufacturers
  • I.4. Solution Providers
  • I.5. Merchants

List of Figures

  • Figure 1 - Structure of the digital money market
  • Figure 2 - The contactless payments ecosystem
  • Figure 3 - User accessing information from an NFC smart poster
  • Figure 4 - Schematic of NFC within the handset environment
  • Figure 5 - Handset shipment forecast: 2011 - 2015
  • Figure 6 - Handset shipment forecast by region: 2011 - 2015
  • Figure 7 - Smartphone shipment forecast: 2011 - 2015
  • Figure 8 - Mobile subscriptions forecast: 2011 - 2015
  • Figure 9 - Mobile subscriptions forecast by region: 2011 to 2015
  • Figure 10 - Total installed base of contactless cards: 2010 - 2015
  • Figure 11 - Shipment of NFC-enabled phones: 2010 - 2015
  • Figure 12 - Total NFC handset user base: 2010-2015
  • Figure 13 - Google Nexus S
  • Figure 14 - Nokia C7-00
  • Figure 15 - Shipment of NFC-enabled phones: 2010 - 2015
  • Figure 16 - NFC user base: 2010-2015

List of Tables

  • Table 1 - Regional population estimates: 2005 - 2020
  • Table 2 - Summary of handset OEM plans for NFC support
  • Table 3 - Number of mobile network operators by region: 2011
  • Table 4 - Annual average card spend for Europe, China and US
  • Table 5 - Regional card distribution by card type: 2011
  • Table 6 - Regional installed base of contactless cards: 2010 - 2015
  • Table 7 - Total NFC handset users by regions: 2010 - 2015
  • Table 8 - Contactless cards established base: 2010 - 2015
  • Table 9 - Handset shipments by region: 2010 - 2015
  • Table 10 - Mobile subscribers by region: 2010 - 2015
  • Table 11 - Smartphone shipments by region: 2010 - 2015
  • Table 12 - NFC subscriber base by region: 2010 - 2015
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