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市場調査レポート

モバイルペイメントソリューション:ユーザーインターフェース、ウォレットおよびバンキング

Market for Mobile Payment Solutions: User Interfaces, Wallets, and Banking 2014 - 2019

発行 Mind Commerce 商品コード 293824
出版日 ページ情報 英文 190 Pages
納期: 即日から翌営業日
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モバイルペイメントソリューション:ユーザーインターフェース、ウォレットおよびバンキング Market for Mobile Payment Solutions: User Interfaces, Wallets, and Banking 2014 - 2019
出版日: 2014年01月17日 ページ情報: 英文 190 Pages
概要

モバイルペイメントは巨大な市場機会を示しており、ワイヤレス・コマースのコンバージェンスにおいて最も動的かつ急速に進化する分野のひとつです。ペイメントソリューションは、インスタントペイド、ポストペイド、プリペイドもしくはこれらの混合といった、ペイメント清算方法に基づいて分類できます。ペイメントの資金調達方法は、ウォレットのタイプ、特定ソリューション、ペイメントに使用するデバイス、バックオフィスシステムなどを含めた多くの要因によって様々です。モバイル全体のバリューチェーンは、ビリングから資金調達にいたるまで、ベンダー、特定のソリューション、バンキング統合の程度などを含めた多くの要因によって大きく異なります。

当レポートでは、モバイルペイメントソリューションについて調査し、モバイルペイメントエコシステム、技術および企業の評価、各モバイルインターフェース、デバイスおよび手法の分析、各ベンダーのワイヤレスウォレットソリューションの比較とその可能性、およびペイメント産業における課題の評価とモバイルペイメント発展のロードマップなどをまとめ、概略下記内容でお届け致します。

第1章 イントロダクション

第2章 モバイルペイメント技術の概要

  • モバイルペイメントの歴史
  • Eペイメント

第3章 モバイルペイメントのユーザーインターフェース

  • POS
  • NFC(近距離無線通信)
  • USSD(Unstructured Supplementary Service Data)
  • モバイルペイメントのインターフェース

第4章 モバイルウォレット

  • ウォレットの種類
  • 市場障壁&課題

第5章 市場分析&予測

  • 世界のモバイルペイ万と市場
  • 市場の地域別展望

第6章 付録

図表リスト

目次

Mobile payments represents a huge market opportunity and quite simply one of the most dynamic and fast-evolving arenas within the convergence of wireless and commerce. Many aspects of the mobile payments ecosystem are evolving including what people buy, how purchases are made, what devices are used, how purchases are funded, how merchants or producers are monetized, and even the identity of sellers and buyers.

Payment solutions can be categorized on the basis of the payment settlement methods, which are instant-paid, postpaid, prepaid or a combination of these. Funding methods for payments vary in accordance with many factors including type of wallet, specific solution, device used for payment, back-office systems, and more. The mobile entire value chain varies considerably from billing to funding based on many factors including vendors, specific solutions, degree of banking integration (if any), and other key factors.

This research evaluates the mobile payments ecosystem, technology, and players including payment interface systems such as NFC, mobile wallets and integration with financial institutions. The report analyzes different mobile payment interfaces, devices, and methods as well as their corresponding support systems. The report compares different vendor solutions for wireless wallet and their prospects. The report also assesses the challenges within the payment industry and defines a roadmap for mobile payments evolution through 2017.

This research includes Wireless Solutions to Improve In-store Sales, Optimize Shopper Engagement, and Combat "Showrooming", which evaluates solutions to improve in-store sales, increase shopper loyalty, and overall engagement. These solutions include mobile shopping applications, friend locator and recommended buying, location-based marketing/advertisements, embedded entertainment (also known as "gamification"), social commerce, data intelligence, and more. The report provides retailer strategies and solutions.

Report Benefits:

  • Mobile payments and wireless wallet forecasts through 2019
  • Identify key trends and challenges across the mobile payments space
  • Understand the role of wireless in shopping, payments and the overall commerce spectrum
  • Identify the key drivers, leading companies, solutions, technologies and systems for payments
  • Understand the use of wireless and supporting systems for digital and physical goods payments
  • Identify the different wallet types and understand the differing levels of integration with banking
  • Understand the market potential of the smartphone enabled, socially connected, entertained shopper
  • Understand the role of mobile as part of wider retail strategies including strategies to combat 'showrooming'

Target Audience:

  • Mobile network operators
  • Mobile commerce companies
  • Wireless device manufacturers
  • Merchants and producers of all types
  • Mobile content and application providers
  • Banking and other financial services companies

Table of Contents

1 Chapter 1: Introduction 5

  • 1.1 Executive Summary 5
  • 1.2 Topics Covered 6
  • 1.3 Key Questions Answered 6
  • 1.4 Target Audience 7
  • 1.5 Companies Mentioned 8

2 Chapter 2: An Overview of Mobile Payment Technology 10

  • 2.1 Mobile Payment History 10
  • 2.2 E-payment 12
    • 2.2.1 Payment Service Providers 13
    • 2.2.2 E-Payment Process 17

3 Chapter 3: Mobile Payment User Interface 19

  • 3.1 Point Of Sale (POS) 19
  • 3.2 Near Field Communications 19
  • 3.3 Unstructured Supplementary Service Data (USSD) 20
  • 3.4 Mobile Payment Interfaces 21
    • 3.4.1 Full Over the Air (OTA) Activation 22
    • 3.4.2 User Interface over the Air (OTA) with Activation 23
    • 3.4.3 User Interface application download Over-The-Air followed by activation sequence 25
    • 3.4.4 User Interface Application and its installation 27
    • 3.4.5 Low Value Transactions 29
    • 3.4.6 High Value Transactions 31

4 Mobile Wallet 33

  • 4.1.1 Wallet Types 33
    • 4.1.1.1 Card Containers 33
    • 4.1.1.2 Digital Bank Accounts 33
    • 4.1.1.3 Mobile Payment Products 33
    • 4.1.1.4 True Mobile Wallets 34
    • 4.1.2 Google Wallet 34
    • 4.1.2.1 Google Wallet Professional Analysis 35
    • 4.1.2.2 Google Wallet Business Model Analysis 37
    • 4.1.3 ISIS Wallet 38
    • 4.1.3.1 Isis Wallet Professional Analysis 39
    • 4.1.4 LifeLock Wallet (Lemon) 40
    • 4.1.4.1 LifeLock Wallet Professional Analysis 40
    • 4.1.5 V.Me Visa Wallet 41
    • 4.1.5.1 V.Me Professional Analysis 42
    • 4.1.6 M-Pessa 43
    • 4.1.7 Mobile Wallet Comparison 44
  • 4.2 Market Barriers & Challenges 45
    • 4.2.1 Security Considerations 45
    • 4.2.2 Mobility Management 46
    • 4.2.3 User's Data 46
      • 4.3 The Mobile Payment Value Chain 48
      • 4.4 The Mobile Payment Industry Roadmap 50
    • 4.4.1 2010 - 2012: The Mobile Wallet Era 51
    • 4.4.2 2013 - 2014: The Launch of the Mobile Wallet Applications 51
    • 4.4.3 2015 - 2017: NFC Enabled Mobile Payments 51

5 Market Analysis & Forecasts 52

  • 5.1 The Global Mobile Payments Market: 2014 - 2019 52
    • 5.1.1 Global NFC-Based Unit Shipments: 2014 - 2019 53
  • 5.2 Regional Outlook of the Market: 2014 - 2019 54
    • 5.2.1 Asia Pacific 55
    • 5.2.2 Middle East & Africa 56
    • 5.2.3 North America 58
    • 5.2.4 Europe 59
    • 5.2.5 United States 60

6 Appendix 62

  • 6.1 Payments Industry 62
  • 6.2 Impact of Mobile on Payments Industry 64

List of Figures

  • Figure 1: E-payment Ecosystem 15
  • Figure 2: E-Payment process 16
  • Figure 3: Full OTA without Activation 23
  • Figure 4: UI OTA with Activation Process 24
  • Figure 5: User Interface Application (Download and Activation) 26
  • Figure 6: UI installation process 28
  • Figure 7: Transaction with mPIN 32
  • Figure 8: Mobile Payment Ecosystem 50
  • Figure 9: Global Mobile Payment Market 2014-2019 52
  • Figure 10: Global NFC-Based Phone shipments 2014-2019 54
  • Figure 11: Regional Mobile Payment market 2014-2019 55
  • Figure 12: Asia Pacific Market 2014-2019 56
  • Figure 13: Middle East & Africa Mobile Payment Market 2014-2019 57
  • Figure 14: North America Mobile Payment Market 2014-2019 59
  • Figure 15: European Mobile Payment Market 2014-2019 60
  • Figure 16: US Mobile Payment Market 2014-2019 61
  • Figure 17: Credit/Charge Card Volume in United States 62
  • Figure 18: Credit/Charge Card Processing 63
  • Figure 19: Credit/Charge Card Acceptance at SMB 64

Wireless Solutions to Improve In-store Sales, Optimize Shopper Engagement, and Combat "Showrooming"

  • 1.0 EXECUTIVE SUMMARY 8
  • 2.0 RETAIL CHALLENGES 9
    • 2.1 RETAIL DEMAND DEPENDS ON THE ECONOMY 9
    • 2.2 INDUSTRY CONCENTRATION 9
    • 2.3 SEASONAL CASH FLOW 9
    • 2.4 CRIME-RELATED LOSSES 9
    • 2.5 PROTECTING CUSTOMER INFORMATION 10
    • 2.6 TRENDS AFFECT DEMAND 10
    • 2.7 HIGH WORKER TURNOVER 10
    • 2.8 CHANGING BUYERS NEED 10
  • 3.0 SHOWROOMING 12
    • 3.1 THE RISE OF HIGH-TECH SHOPPING 12
      • 3.1.1 CONSUMERS ARE IN CONTROL 14
      • 3.1.2 COMPARISON SHOPPING 14
    • 3.2 WHICH PRODUCTS ARE VULNERABLE TO SHOWROOMING? 14
      • 3.2.1 WHITE GOODS 14
      • 3.2.2 GRAY AREA PRODUCTS 15
      • 3.2.3 CLOTHES AND ACCESSORIES 15
    • 3.3 MOBILE AND SHOWROOMING 16
      • 3.3.1 MOBILE IS BOTH A CURSE AND A CURE FOR SHOWROOMING 16
      • 3.3.2 WHERE ARE PEOPLE USING THE MOBILES? 16
      • 3.3.3 MOBILE INFLUENCE 17
    • 3.4 INCREASE IN SHOWROOMING HABITS 18
  • 4.0 WHAT SHOULD RETAILERS DO? 19
    • 4.1 EMBRACE, DON'T FIGHT, SHOWROOMING 19
    • 4.2 OFFER UNIQUE PRODUCTS 19
    • 4.3 OFFER IN-STORE REVIEWS 19
    • 4.4 FOCUS ON BRAND 19
    • 4.5 ENABLE AND EMPOWER SHOWROOMERS 19
    • 4.6 DIGITIZE YOUR STORE AND YOUR EMPLOYEES 20
  • 5.0 COMBAT SHOWROOMING 21
    • 5.1 BOOST LOYALTY AND SALES 21
    • 5.2 PERSONALIZING THE SHOPPING EXPERIENCE 21
    • 5.3 ANALYZING DATA 22
    • 5.4 FIGURING OUT THE POTENTIAL OF MOBILE DEVICES 22
    • 5.5 EMBRACING SOCIAL MEDIA 22
  • 6.0 TECHNOLOGY VS. SHOWROOMING: THE EPIC BATTLE 23
  • 7.0 SOCIAL COMMERCE 24
    • 7.1 SOCIAL COMMERCE BUSINESS MODELS 24
      • 7.1.1 E-COMMERCE WHICH IS SOCIAL 24
      • 7.1.2 DAILY DEALS 25
      • 7.1.3 PEER RECOMMENDATIONS 25
      • 7.1.4 SHOPPABLE PHOTO APPS 25
      • 7.1.5 USER-CURATED SHOPPING 25
      • 7.1.6 PARTICIPATORY COMMERCE 25
      • 7.1.7 SOCIAL SHOPPING 25
  • 8.0 SOCIAL COMMERCE AND ONLINE: AMAZON AND OTHERS 27
    • 8.1 THE AMAZON PRIME EFFECT 28
      • 8.1.1 AMAZON PRIME: PROFILE 28
      • 8.1.2 AMAZON PRIME: SHOWROOMING 28
    • 8.2 SOCIAL COMMERCE AND FACEBOOK 28
      • 8.2.1 HAVE CLEAR ROI GOALS 28
      • 8.2.2 IMPLEMENT AN ON- AND OFF- FACEBOOK STRATEGY 29
      • 8.2.3 PUT FACEBOOK DATA TO WORK 29
      • 8.2.4 USE WHAT YOU'VE GOT 29
      • 8.2.5 HAVE CONTROL AND ITERATE FREQUENTLY 30
    • 8.3 SOCIAL COMMERCE AND RETAIL OPPORTUNITIES 30
    • 8.4 RETAIL DISRUPTIONS KEEP COMING AND COMING 32
    • 8.5 CROSS-CHANNEL OPPORTUNITIES 34
    • 8.6 THE ROLE OF SOCIAL MEDIA 34
    • 8.7 SOCIAL COMMERCE AND BUSINESS INTELLIGENCE 35
    • 8.8 ENGAGEMENT AREAS OF SOCIAL COMMERCE 36
      • 8.8.1 LISTENING 36
      • 8.8.2 ENGAGEMENT 37
      • 8.8.3 TRANSACTION 37
      • 8.8.4 POST-SALE SERVICE 38
    • 8.9 EXAMPLE FOR SOCIAL COMMERCE 38
    • 8.10 MOBILE SOCIAL COMMERCE APPLICATIONS 40
      • 8.10.1 SOCIAL INTEGRATION 40
      • 8.10.2 CHECK-INS 40
      • 8.10.3 REVIEWS 41
      • 8.10.4 GROUP BUYING AND DAILY DEALS 41
      • 8.10.5 Q&A 41
      • 8.10.6 STYLE FEEDBACK 41
      • 8.10.7 SHOPPING FEEDBACK 41
      • 8.10.8 COLLECTING 42
    • 8.11 CASE STUDY: AMEX ALLOWS SOCIAL OFFERS FOR MERCHANTS 42
  • 9.0 SOCIAL COMMERCE ENGAGEMENT: MOBILE DEVICES 43
    • 9.1 IN STORE USAGE OF SMARTPHONE 44
    • 9.2 MOBILE USAGE IS MORE COMMON AMONG YOUNGER AGE GROUPS 45
    • 9.3 BEHAVIOR CHANGES DEPENDING ON THE TYPE OF STORE 45
      • 9.3.1 SMARTPHONE SHOPPERS VS TABLET SHOPPERS 46
    • 9.4 REVENUE FOR RETAILER THROUGH MOBILE COMMERCE 48
      • 9.4.1 GO BIG DATA TO DELIVER BETTER CUSTOMER EXPERIENCES 48
      • 9.4.2 INTELLIGENT TARGETING: ANYTIME ANYWHERE MARKETING 49
      • 9.4.3 CREATE INTERNAL APPS 49
  • 10.0 MOBILE CHECKOUT 50
    • 10.1 KEEP FORM FILLING TO BARE MINIMUM 50
    • 10.2 ORGANIZE THE CHECKOUT INTO STAGES 50
    • 10.3 ADD PROGRESS STEP LINKS OR BACK BUTTONS 51
    • 10.4 UTILIZE FAMILIAR MOBILE UI ELEMENTS 51
    • 10.5 ENABLE GUEST CHECKOUTS 51
    • 10.6 OFFER QUICK PAYMENT OPTIONS 51
    • 10.7 REMOVE DISTRACTIONS 52
    • 10.8 PROVIDE SECURITY REASSURANCES 52
      • 10.8.1 TAKE ADVANTAGE OF GEOLOCATION 52
    • 10.9 KEEP IT LIGHTWEIGHT 52
  • 11.0 SOCIAL COMMERCE AND BIG DATA 54
    • 11.1 FINDING THE EASY DATA 55
    • 11.2 GETTING AT "HIDDEN DATA" 55
    • 11.3 MINING "BIG DATA" 55
  • 12.0 DATA INTELLIGENCE AND SOCIAL COMMERCE 56
    • 12.1 DISTRIBUTION CHANNELS 56
    • 12.2 COMPETITIVE SUCCESS & FAILURES 56
    • 12.3 PRODUCT DESIGN & PROMOTION 56
  • 13.0 MOBILE SOCIAL LOCAL (MOSOLO) AND ONLINE TO OFFLINE 57
    • 13.1 THE SET-UP: THE PRE-BUY 58
    • 13.2 THE MOVE: IN TRANSIT 58
    • 13.3 THE PUSH: ON LOCATION 58
    • 13.4 THE PLAY: SELECTION PROCESS 59
    • 13.5 THE WRAP: POINT OF PURCHASE 59
    • 13.6 THE TAKEAWAY: POST-PURCHASE 59
  • 14.0 MOBILE RETAIL OPPORTUNITY 60
    • 14.1 MOBILE COMMERCE: DRIVING SALES 60
    • 14.2 MOBILE RESEARCH: DRIVING FOOTFALL 60
    • 14.3 MOBILE COMMERCE: BIG DEAL 60
    • 14.4 HOW TO ENGAGE WITH MOBILE USERS? 61
  • 15.0 STRATEGIES FOR RETAILERS 62
    • 15.1 BIG BOX STRATEGIES TO DEFEAT OFFLINE TO ONLINE 63
      • 15.1.1 HOW DOES ONE START? 63
    • 15.2 BIG BOX STRATEGIES WITH MANUFACTURERS 64
    • 15.3 HOW SMALL RETAILERS CAN GET THEIR PRODUCTS INTO A BIG BOX RETAILER 65
      • 15.3.1 HAVE A SOLID TRACK RECORD 65
      • 15.3.2 HAVE A UNIQUE PRODUCT 65
      • 15.3.3 HAVE A PRODUCT LINE 65
      • 15.3.4 CAPABLE TO MEET THE RETAILER'S NEEDS. 65
      • 15.3.5 READY TO DO WHAT IT TAKES. 66
      • 15.3.6 GETTING A MEETING WITH A BIG BOX BUYER 66
    • 15.4 LEVERAGE MOBILE 66
      • 15.4.1 MOBILE COUPONS: IN-STORE SHOPPING 66
      • 15.4.2 QR CODES 2.0 66
    • 15.5 LEVERAGE ONLINE TO IN-STORE 67
      • 15.5.1 LEVERAGE YOUR ECOMMERCE SITE TO DRIVE IN-STORE SALES 67
      • 15.5.2 WAYS TO USE THE WEB TO STORE APPROACH: 68
    • 15.6 LEVERAGE YOUR OFFLINE CONSUMER EXPERIENCES ONLINE 68
      • 15.6.1 EMBRACE THE OUTCOME 68
    • 15.7 HOW RETAILERS CAN LEVERAGE SOCIAL MEDIA 69
      • 15.7.1 FACEBOOK 70
      • 15.7.2 TWITTER 71
      • 15.7.3 TUMBLR 71
      • 15.7.4 INSTAGRAM AND PINTEREST 72
    • 15.8 DRIVING VALUE OF SOCIAL MEDIA 73
    • 15.9 CASE STUDY 73
  • 16.0 SOLUTION FOR RETAILERS 75
    • 16.1 WIRELESS SOLUTIONS: 75
    • 16.2 GAMIFICATION 75
      • 16.2.1 MAKE IT FUN 76
      • 16.2.2 ENHANCE THE EXPERIENCE 77
      • 16.2.3 BEYOND SELLING 77
    • 16.3 NFC (NEAR FIELD COMMUNICATION) 78
    • 16.3.1 VALUE PROPOSITION OF MOBILE NFC IN RETAIL FOR SHOPPER 79
  • 17.0 DATA ANALYTICS 83
    • 17.1 DELIVERING EXPERIENCES TAILORED TO INDIVIDUAL SHOPPERS 83
    • 17.2 GUIDING SHOPPERS TO DISCOVER ASSOCIATED PRODUCTS 83
    • 17.3 TRACKING AND ANALYZING SHOPPER BEHAVIOR ACROSS VISITS 84
  • 18.0 THE SMARTPHONE INFORMED, SOCIAL ENTERTAINED SHOPPER 85
  • 19.0 MOBILE SOCIAL SEARCH: COMMERCE, FRIEND LOCATOR, HAPPENING AND EVENTS AND INTERESTS 87
  • 20.0 MARKET OUTLOOK 88
  • 21.0 CONCLUSION AND RECOMMENDATION 89

Figures

  • Figure 1: Retail Industry is about to change 11
  • Figure 2: Showrooming 12
  • Figure 3: Showrooming compete 13
  • Figure 4: Venues where people use mobile 16
  • Figure 5: Mobile Retail Category by Platform 17
  • Figure 6: Showrooming Habits 18
  • Figure 7: Social Commerce 24
  • Figure 8: Estimated Social Commerce Revenues 26
  • Figure 9: Retailers Rise Index 27
  • Figure 10: Social Commerce Revenue 31
  • Figure 11: Social Commerce and Brands 32
  • Figure 12 Social Commerce: New Environment 33
  • Figure 13: Web Sales Prediction 35
  • Figure 14: Business Intelligence and Retailers 36
  • Figure 15: Mobile ecommerce Spend 39
  • Figure 16: Increasing Mobile usage for Social Media 43
  • Figure 17: In-store usage of Smartphone 44
  • Figure 18: Mobile Activity by Location 45
  • Figure 19: Smartphone Activity by Store Type 46
  • Figure 20: Tablet Shoppers: Bargains or Rich Product Images 47
  • Figure 21:Smartphone Shoppers: Bargain Hunters 47
  • Figure 22: Visualize Check Out Process 51
  • Figure 23: Mobile Checkout 53
  • Figure 24: Bigger Data for Bigger profits 54
  • Figure 25: Mobile Shopping Lifecycle 58
  • Figure 26: Social Media Strategy for Online-Retailers 69
  • Figure 27: social Media 70
  • Figure 28: Facebook Insights 70
  • Figure 29: Twitter 71
  • Figure 30: Pinterest in Retailers' Email 72
  • Figure 31: Enterprise Gamification 76
  • Figure 32: Gamification in Education 78
  • Figure 33: NFC 80
  • Figure 34: NFC In-Store Experience 81
  • Figure 35: NFC Personal Advertising 82
  • Figure 36: Customized Offers 83
  • Figure 37: Smart Shopper 85
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