米国の法人顧客向けモバイルバンキング：ゆっくりとした広がり

企業の財務担当者の多くはすでに多種多様なモバイルデバイスを所有しており、プライベートと同様に業務も動態化したいと望んでいます。

当レポートでは、米国の法人顧客向けモバイルバンキングの市場について調査分析し、企業サイドおよび銀行サイドが直面している課題、企業規模別のニーズの違い、企業向けバンキングサービスの主な提供メカニズムの概要、主要ベンダーのプロファイルおよび戦略などをまとめ、概略以下の構成でお届けいたします。

エグゼクティブサマリー

イントロダクション

ユーザーのテイストと選択肢を変化させる新たなデバイス

• 消費者のデバイス利用
• 携帯電話：多すぎる選択肢
• 進化を続けるタブレット

モバイルのジレンマ：「Bring Your Own Devices (BYOD)」

• 各種デバイスのセキュリティ面の課題
• BYODによる複雑化

コーポレートバンキングのモバイル化に必要とされるもの

• 小売を見習う小規模事業者向けモバイルサービス
• 中規模・大規模企業のニーズの違い

モバイルバンキング：米国の銀行が提供する機能

• 複数デバイスの実現因子

モバイルコーポレートバンキング：米国の銀行が提供する機能

コーポレートバンキング機能ベンダー

• 一般的なオンラインバンキング
• コーポレートバンキングの専門業者

総論

Abstract

New research from Mercator Advisory Group considers corporate mobile banking development: supporters and the functions sought

Boston, MA - December 20, 2012 - Mobile banking among consumers is a "done deal" with wide acceptance. However, Mercator Advisory Group's new report, Mobile Banking for U.S. Corporate Customers: Catching On Slowly, finds both banks and commercial enterprises a bit cautious about unleashing mobile banking for corporate transactions.

Many corporate treasury personnel already have mobile devices (of myriad different kinds) and desire to mobilize their work lives as they have their personal lives. This research reviews some of the challenges facing corporations in choosing to authorize mobile transactions, as well as the challenges facing banks in attempting to serve these companies.

"The diversity of mobile personal devices introduces a new level of complexity for IT managers hoping to control and secure a bring-your-own-device (BYOD) environment. The very small business will have only one user, and thus can make do with a retail banking application. However, larger firms increasingly desire the ability to support finance and treasury employees with mobile devices, and to manage authorizations, access rights, and transaction privileges across multiple bank accounts. That requires a different solution," comments Patricia McGinnis, director of the Commercial and Enterprise Payments Service at Mercator Advisory Group and the author of the report.

Highlights of the report include:

• - A description of the challenges of a bring-your-own-device (BYOD) mobile strategy, as it affects both the corporate customer and the bank
• - A catalog of the treasury functions most often supported by vendors and offered by banks
• - Identification and assessment of the three functional areas that differentiate the needs of middle market and larger customers from those of small business customers
• - An overview of the major delivery mechanisms for mobile banking in corporations today
• - Profiles of eight of the leading vendors and their strategies for supporting banks in offering mobile services to corporate customers

One of the seven exhibits included in this report:

The report is 28 pages long and contains seven exhibits.

Companies mentioned in this report include: ACI Worldwide, Backbase, Bottomline Technologies, FIS, Fiserv, Fundtech, Kony Solutions, SAP (Sybase), mFoundry, and mShift.

Table of Contents

Executive Summary

Introduction

New Devices Alter User Tastes and Change User Options

• Consumers' Use of Devices
• Mobile Phones: Too Many Choices
• Tablets Still Evolving

The Mobile Dilemma: "Bring Your Own Devices" (BYOD)

• Varied Devices Challenge Security
• BYOD Makes Life Complicated

What Is Needed When Corporate Banking Goes Mobile?

• Small Business Mobile Services Emulate Retail
• Medium and Larger Firms Have Different Needs

Mobile Banking: How Do U.S. Banks Deliver It?

• The Multidevice Enablers

Mobile Corporate Banking: What Functions Do U.S. Banks Deliver?

Vendors of Corporate Banking Functions

• General Online Banking
• Specialists, Corporate Banking

Conclusion

• Bibliography
• Copyright Notice