市場調査レポート

Mコマース:モバイルペイメント・バンキング・NFCサービスの展望

M-Commerce: Outlook for mobile payments, banking and NFC services

発行 Ovum, Ltd. 商品コード 208002
出版日 ページ情報 英文
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=102.12円で換算しております。
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Mコマース:モバイルペイメント・バンキング・NFCサービスの展望 M-Commerce: Outlook for mobile payments, banking and NFC services
出版日: 2011年12月19日 ページ情報: 英文
概要

当レポートでは、Mコマースサービスの発展の見通しについて調査分析し、モバイルペイメントおよびモバイルバンキングサービスの分類と実現技術、最新の技術開発動向・市場発展動向と将来の市場成長への影響、MコマースおよびモバイルNFCのエコシステムと主要関連企業、関連業者にとっての市場機会と課題、サービス区分・地域別のユーザー数・トランザクション数・サービス収益の推移と予測(〜2016年)、主要企業のケーススタディなどをまとめ、概略以下の構成でお届けいたします。

モバイルバンキング:最新市場動向

  • モバイルバンキングサービスのインターオペラビリティ
  • Bank of Americaのモバイルバンキングの選択肢
  • モバイル通信事業者のモバイルバンキングに関する法規制上の負担
  • モバイルバンキングのビジネスモデルの幅
  • M-Pesaトランザクションシステム
  • WIZZITモバイルバンキングの手数料

モバイルリモートペイメント:最新市場動向

  • モバイルウォレットトランザクションのタイプ
  • アプリケーションストアのビリング/マネタイズ化オプション:2011年第2四半期
  • モバイル小売サービスの幅
  • モバイル用Google Checkout
  • ブランド各社によるPayPal Mobileによる支払いの許容
  • バリューチェーンにおける決済処理費用

モバイルローカルペイメント:最新市場動向

  • NFCタグ vs QRコード:賛成意見・反対意見
  • SquareのiPhone用ペイメントデバイス・アプリケーション
  • モバイルNFCサービスの障壁
  • SIMベースのセキュアエレメントの賛成・反対
  • 携帯電話のセキュアNFCアプリケーションを実現する競合技術
  • 主要企業がモバイルNFCペイメントに乗り出す主な影響因子
  • スタンドアロン型・統合型NFC POS端末
  • TSMアーキテクチャ

モバイル送金:最新市場動向

  • 新興国のなかでの主要送金受領国:2011年
  • 送金:従来型 vs モバイル経路
  • 国際モバイル送金市場のバリューチェーン
  • 新興国への送金の平均コスト
  • M-Pesaのケニア・英国間の国際送金費用
  • Globe TelecomのG-Cash加入者プロファイル

注目を集めるキャリアビリングだが、潜在性をフルに発揮するにはアップデートが必要

  • Vodafone:Android・BlackBerry・Oviアプリケーションストア用ダイレクトビリングのアベイラビリティ
  • 主要モバイルアプリケーションストアのビリングアレンジメント
  • キャリアビリングの主要タイプ
  • 主要地域におけるオペレーターのキャリアビリングからの収益シェア
  • Ovi Storeの例:キャリアビリングによるトランザクションからの収益の分離
  • Android Marketにおけるキャリアビリングのアベイラビリティ
  • 既知のAndroid Marketキャリア経路
  • Ebscer:BlackBerry App World上でのオペレータービリングからのアプリケーション売上の割合

世界のMコマース市場:予測(2010-2016年)

  • Mコマーストランザクション額:区分別
  • Mコマーストランザクション額:地域別
  • Mコマース・モバイルデジタルコンテンツ・モバイルプリペイドのチャージによるトランザクション額
  • Mコマースのサービス収益:区分別
  • Mコマースのサービス収益:地域別
  • モバイルバンキングのサービスユーザー数:地域別
  • モバイルバンキングのトランザクション数:地域別
  • モバイルバンキングのサービス収益:地域別
  • モバイルリモートペイメント(現物商品・サービス)のユーザー数:地域別
  • モバイルリモートペイメント(現物商品・サービス)のトランザクション数:地域別
  • モバイルリモートペイメントのサービス収益:地域別
  • モバイルローカルペイメント(NFCを含む)のユーザー数:地域別
  • モバイルローカルペイメント(NFCを含む)のトランザクション数:地域別
  • モバイルローカルペイメント(NFCを含む)のサービス収益:地域別
  • 国内モバイル送金のサービスユーザー数:地域別
  • 国内モバイル送金のトランザクション数:地域別
  • 国内モバイル送金のサービス収益:地域別
  • 国際モバイル送金のサービスユーザー数:地域別
  • 国際モバイル送金のトランザクション数:地域別
  • 国際モバイル送金のサービス収益:地域別

ケーススタディ:CellBazaar

  • シンプルSMSとWAPインターフェース
  • 総ユーザー数とセラー数
  • 市場区分:小売・農業カテゴリー
  • 農業小売カテゴリー

ケーススタディ:CelcomのAirCash戦略

  • AirCashのマーケティング
  • Maxis・Celcom・Digi:主要モバイルコマースサービスと関連費用:2010年第3四半期
  • AirCashのSWOT分析

ケーススタディ:Vodafoneのモバイル送金サービス(M-Pesa)

  • モバイル送金サービスの開始
  • 英国・ケニア間のM-Pesaによる国際送金の費用
  • ケニア:M-Pesaエージェント数の増加
  • ケニア:M-Pesaのレート
  • M-Pesaトランザクションシステム
  • M-Keshoサービスのラインナップとレート
  • ケニア:M-Pesa契約数の増加
  • Safaricomの収益内訳:2010年第1四半期
  • Safaricomのモバイルデータ収益:2008-2010年
目次

Abstract

Mobile operators should look to partner with other companies that own specialist knowledge and technology in both m-commerce and e-commerce to develop and deploy secure and attractive services for their subscribers.

Summary

The growing interest in m-commerce is reflected by the increasing number of service announcements and market activity that includes partnerships, mergers and acquisitions as well as the launch of new platforms and solutions by value chain players. A successful suite of m-commerce services can help the operators strengthen their position in the mobile content and services value chain.

Overview

The major players in the m-commerce value chain are strengthening their position through strategic acquisitions and partnerships with other leading and innovative companies. These developments are expected to lead to accelerated growth in the deployment and adoption of m-commerce services in the coming years. There will be " first-mover" benefits for those operators and service providers that are early to market with mobile wallet and m-commerce services as they will create greater subscriber stickiness for their network and more churn from their competitors.

This report analyses the prospects for the growth of m-commerce services, examining the economic, technological and strategic drivers, as well as the constraints to this market's development. It evaluates various user cases and the business opportunities presented by mobile banking, payments, money transfer, and NFC services for mobile operators, handset and OS vendors, payment service/network providers, banks, and technology and platform vendors.

Key coverage

  • Segmentation of the m-commerce market - types of m-payments and m-banking services and the technologies behind them.
  • Key social/cultural, economic, technological and strategic drivers and barriers to market growth
  • Recent market and technical developments and their implications for future growth.
  • Detailed profiling of the m-commerce and mobile NFC ecosystem, value-chain players and the opportunities and challenges for these stakeholders. The relationships these players have now and how these relationships might change over the coming years.
  • The market today and how fast will it grow in the near future - service types and geographic regions expected to see the fastest growth in the next 5 years.
  • The likely impact of recent NFC announcements by the operators and the strategies of handset vendors, including Google, Apple, Nokia and RIM.
  • Market segmentation of the mobile NFC market including service and applications type: payments; transport and ticketing; couponing; access controls; managing identity and tagging; sharing and pairing with other devices; etc.
  • Analysis of the various possible mobile NFC business models for operators, OEMs, PSPs, and technology and infrastructure vendors.
  • Global and regional forecasts to 2015 for mobile NFC users, usage, transaction value and for NFC handset shipments.
  • Global, regional and country level (12 markets) forecasts to 2015 for mobile banking, mobile remote payments, mobile local payments, and mobile remittance.

Forecasts by service type, 2010-15

  • Mobile banking users by region
  • Mobile banking transactions by region
  • Mobile banking revenues by region
  • Mobile remote payments users by region
  • Mobile remote payments transactions by region
  • Mobile remote payments revenues by region
  • Mobile local payments users by region
  • Mobile local payments transactions by region
  • Mobile local payments revenues by region
  • Mobile remittance users by region
  • Mobile remittance transactions by region
  • Mobile remittance revenues by region
  • NFC handset shipments by region
  • Mobile NFC transactions by region
  • Mobile NFC transactions by region
  • Mobile NFC transaction value by region

Region/countries covered:

The report, M-Commerce: Outlook for Mobile Payments, Banking and NFC Services, covers the global market including the following main geographic regions and countries.

  • Regions Africa, Asia Pacific Developed, Asia Pacific Developing, Western Europe, Eastern Europe, Latin America, Middle East, North America
  • Countries Japan, South Korea, China, India, France, Germany, Italy, Spain, UK, Russia, Brazil, US, Canada

Note: NFC forecasts available by region only

Key issues addressed in this edition:

  • How is the m-commerce market segmented?
  • What are the key m-commerce services, and what are the key technologies behind them?
  • How is the role of the " mobile wallet" evolving?
  • What recent market and technical developments have taken place in this market, and what implications do they have for its future potential?
  • What are the lessons to be learned from service deployments in the past 12 months?
  • How is the m-commerce ecosystem expanding and what are the implications for value-chain players?
  • What relationships do these players have and how might those relationships change?
  • Where are the biggest opportunities for the key players, and what strategies should they adopt to exploit them?
  • How large is this market today, and how fast will it grow in the near future?
  • Which service types and geographic regions will see fastest growth, and which offer the greatest potential for revenues and profits for the different value-chain players?

Table of Contents

Contributing Editors

Mobile banking: Market update

  • Fig. 1: Interoperability of Monitise mobile-banking service
  • Fig. 2: Mobile-banking options at Bank of America
  • Fig. 3: Regulatory burden for mobile operators in mobile banking
  • Fig. 4: The spectrum of mobile-banking business models
  • Fig. 5: The M-Pesa transaction system
  • Fig. 6: WIZZIT mobile banking charges

Mobile remote payments: Market update

  • Fig. 1: Types of mobile wallet transactions
  • Fig. 2: App-store billing/monetization options, 2Q11
  • Fig. 3: Range of mobile retailing services
  • Fig. 4: Google Checkout for Mobile
  • Fig. 5: Brands allowing customers to purchase via PayPal Mobile
  • Fig. 6: Payments processing fees across the value chain

Mobile local payments: Market update

  • Fig. 1: NFC tags vs. QR codes, pros and cons
  • Fig. 2: Square iPhone payments device and application
  • Fig. 3: Barriers to the take-off of mobile NFC services
  • Fig. 4: Pros and cons of SIM-based secure element
  • Fig. 5: Competing approaches to enabling secure NFC applications on phones
  • Fig. 6: Main drivers for market players' involvement in mobile NFC payments
  • Fig. 7: Quick Tap facts
  • Fig. 8: Stand-alone and integrated NFC point-of-sale terminals
  • Fig. 9: Split TSM architecture

Mobile money transfers: Market update

  • Fig. 1: Top recipients of remittances among developing countries, 2011
  • Fig. 2: Remittance - traditional vs. mobile corridors
  • Fig. 3: International mobile-money-transfer market value chain
  • Fig. 4: Average cost of sending remittances to developing regions
  • Fig. 5: M-Pesa international remittance fees for UK to Kenya corridor
  • Fig. 6: Globe Telecom - G-Cash subscriber profile

Carrier billing takes center stage but it needs an update to achieve its full potential

  • Fig. 1: Vodafone direct-billing availability for Android, BlackBerry and Ovi application stores
  • Fig. 2: Billing arrangements at leading mobile application stores
  • Fig. 3: Main types of carrier billing
  • Fig. 4: Global, operator revenue share from carrier billing, selected territories
  • Fig. 5: Example of how revenue from carrier-billed transactions on the Ovi Store might be divided
  • Fig. 6: Android Market carrier-billing availability
  • Fig. 7: Known Android Market carrier channels
  • Fig. 8: Ebscer, proportion of app sales from operator billing on BlackBerry App World, Aug-10 to Apr-11

M-commerce market forecasts 2010-2016

  • Fig. 1: Global, m-commerce transaction value, by segment, 2010-2016
  • Fig. 2: Global, m-commerce transaction value, by region, 2010-2016
  • Fig. 3: Global, transaction value from m-commerce, mobile digital content and mobile prepaid top-ups, 2010-2016
  • Fig. 4: Global, m-commerce service revenues, by segment, 2010-2016
  • Fig. 5: Global, m-commerce service revenues, by region, 2010-2016
  • Fig. 6: Global, mobile banking service users, by region, 2010-2016
  • Fig. 7: Global, mobile banking transactions, by region, 2010-2016
  • Fig. 8: Global, mobile banking service revenues, by region, 2010-2016
  • Fig. 9: Global, mobile remote-payment (physical goods and services) users, by region, 2010-2016
  • Fig. 10: Global, mobile remote-payment (physical goods and services) transactions, by region, 2010-2016
  • Fig. 11: Global, mobile remote-payment service revenues, by region, 2010-2016
  • Fig. 12: Global, mobile local-payment (including NFC) users, by region, 2010-2016
  • Fig. 13: Global, mobile local-payment (including NFC) transactions, by region, 2010-2016
  • Fig. 14: Global, mobile local payment (including NFC) service revenues, by region, 2010-2016
  • Fig. 15: Global, domestic mobile money-transfer service users, by region, 2010-2016
  • Fig. 16: Global, domestic mobile money-transfer transactions, by region, 2010-2016
  • Fig. 17: Global, domestic mobile money-transfer service revenues, by region, 2010-2016
  • Fig. 18: Global, international mobile money-transfer service users, by region, 2010-2016
  • Fig. 19: Global, international mobile money-transfer transactions, by region, 2010-2016
  • Fig. 20: Global, international mobile money-transfer service revenues, by region, 2010-2016

Case Study: CellBazaar

  • Fig. 1: CellBazaar's simple SMS and WAP interfaces
  • Fig. 2: CellBazaar's total users and sellers
  • Fig. 3: CellBazaar's market segments; retail agricultural category
  • Fig. 4: CellBazaar's Agri-Retail subcategories

Case study: Celcom's AirCash strategy

  • Fig. 1: Celcom's AirCash marketing
  • Fig. 2: Maxis, Celcom and Digi, key mobile commerce services and associated fees, 3Q10
  • Fig. 3: Celcom's AirCash SWOT analysis

Case study: Vodafone's mobile-money-transfer services (M-Pesa)

  • Fig. 1: Vodafone mobile-money-transfer-service launches
  • Fig. 2: M-Pesa international remittance fees for UK-Kenya corridor
  • Fig. 3: Kenya, growth in number of M-Pesa agents, Jan-Aug 10
  • Fig. 4: Kenya, M-Pesa rates
  • Fig. 5: The M-Pesa transaction system
  • Fig. 6: M-Kesho service lineup and rates
  • Fig. 7: Kenya, growth in the number of M-Pesa subscriptions, Jan-10 to Aug-10
  • Fig. 8: Safaricom revenue split, 1Q10
  • Fig. 9: Safaricom mobile data revenues, 2008-2010
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