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カナダのモバイル決済および代替決済の市場

Mobile and Alternative Payments in Canada, 2nd Edition

発行 Packaged Facts 商品コード 257416
出版日 ページ情報 英文 144 Pages
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カナダのモバイル決済および代替決済の市場 Mobile and Alternative Payments in Canada, 2nd Edition
出版日: 2014年08月20日 ページ情報: 英文 144 Pages
概要

カナダでのモバイルバンキングおよびEウォレット/P2P決済は、すでに定着したものとなっています。広範な普及に向けた短期的な課題は依然として残るものの、POSでのモバイル決済額は2017年には130億ドルの達すると推計されています。

当レポートでは、カナダにおけるモバイル決済およびその他の代替的決済手法の市場について調査し、現金および小切手に取って代わる各種決済手法の種類と特徴、それぞれの手法の利用者のプロファイルおよび利用行動の分析、関連事業者の取り組みと戦略、決済額の推移と予測などをまとめています。

第1章 エグゼクティブサマリー

第2章 カナダの決済組織・法規制の概要

  • イントロダクション
  • カナダの決済インフラ
  • 決済方法
  • カナダの決済関連法
  • 大きな変化の渦中にある決済産業
  • Payments System Reviewのタスクフォース
  • クレジット&デビットカード産業の行動規範
  • モバイル決済の申し込み
  • CBAモバイル決済リファレンスモデル
  • カナダ競争局(Competition Bureau)、など

第3章 市場規模・市場予測

  • 分析サマリー
  • モバイル決済の市場規模推計
  • 現金および小切手から電子決済への移行
  • 携帯電話の活用
  • スマートフォンの普及
  • オンラインバンキングの普及
  • Eコマースの開拓
  • 「モバイル」というキーワード
  • NFC非接触:成長とその有限性
  • モバイルウォレットの再考
  • 現金の代替、など

第4章 カナダのモバイルバンキングの動向

  • 分析サマリー
  • モバイルバンキングの定義
  • モバイルバンキング利用者
  • モバイルバンキングの機能と利用法
  • 利用者の人口統計、など

第5章 カナダのモバイル決済の動向

  • 分析サマリー
  • モバイル決済の定義
  • モバイル決済の利用者
  • モバイル決済の利用法、など

第6章 POS(Point-of-Sale)&インターネットによる購入手法

  • 分析サマリー
  • POSでの電子決済の選択肢
  • POSでのモバイル決済
  • インターネットでのモバイル決済
  • 利用者の人口統計、など

第7章 カナダのP2P利用の動向

  • P2Pの手法
  • 利用者の人口統計、など

第8章 カナダのモバイルファイナンス・プロモーション・ショッピングツールの利用

  • イントロダクション
  • モバイルファイナンス&プロモーションツール
  • モバイルショッピングツール
  • 利用者の人口統計、など

第9章 カナダのモバイル決済戦略:カード団体

  • 分析サマリー
  • Interac
    • Interac Online
    • Interac e-Transfer
    • Interac Flash
  • MasterCard
    • PayPass
    • MasterPass
    • Mobile PayPass
  • Visa
    • Visa payWave
    • Visa Checkout
    • LoopPay、など

第10章 カナダのモバイル決済戦略:銀行

  • 分析サマリー
  • Bank of Montreal
  • Canadian Imperial Bank of Commerce
  • Royal Bank of Canada
  • Scotiabank
  • Toronto-Dominion Bank

第11章 カナダのモバイル決済:MNOの戦略

  • 分析サマリー
  • EnStream
  • Rogers Communications
  • Blackberry
  • Bango

第12章 カナダのモバイル決済:代替プロバイダーの戦略

  • 分析サマリー
  • PayPal
  • Square
  • Payfirma
  • MintChip

第13章 カナダのモバイル決済:小売業者のイノベーション

  • 分析サマリー
  • Starbucks
  • Tim Hortons

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目次
Product Code: LA5226185

Mobile banking and E-Wallet/P2P payments have taken hold in Canada, and while near-term challenges to widespread adoption remain, mobile payments made at the physical point of sale could reach $13 billion by 2017.

A burst of mobile and digital wallets are just hitting the marketplace, which should significantly boost interest in and usage of mobile POS payments. But the usage footprint of NFC contactless payments remains limited, and NFC alone can not drive mainstream adoption. NFC-enabled phone sleeves and bar code-based payments should help to close the gap. Moving mobile payments into the mainstream also requires harnessing the mobile/digital wallet: if mobile payments are only about tapping a phone to make a payment instead of swiping a card, there's not much room for growth. From this perspective, Canadian wallet providers are making the right moves.

Packaged Facts' Mobile & Alternative Payments in Canada, 2nd Edition provides the insights to stay abreast of this dynamic market. Report coverage includes market size and forecast for mobile POS payment value and for E-Wallet/P2P transaction value. In addition, the report explores a range of positive and negative factors influencing growth, as well as how wallet providers are positioning their solutions to consumers.

The report assesses Canadian consumer patterns in relation to:

  • Use and usage frequency of mobile banking and usage of specific mobile banking features, by demographic group
  • Use and usage frequency of mobile payments by demographic group
  • Use of a range of P2P methods, including PayPal, Interac e-Transfer, bank wire transfers, bank P2P transfers, money transfer services, and other emerging methods
  • Choice of payment at the point of sale and via the internet. As part of our point-of sale purchase analysis, we assess the degree consumers initiate payments via mobile wallets (i.e. PayPass, PayPal and Interac)
  • Use of various added-value mobile phone financial, promotional & shopping tools

Mobile & Alternative Payments in Canada also provides in-depth analysis of industry participants and their mobile payment strategies, including those employed by the card networks Interac, MasterCard, and Visa; major Canadian banks such as Bank of Montreal, Canadian Imperial Bank of Commerce, Royal Bank of Canada, Scotiabank, and Toronto-Dominion Bank; mobile network operators, with a focus on Rogers Communications, EnStream, Blackberry, and Bango; alternative payments & emerging wallet payment providers (including PayPal, Square, Payfirma and MintChip); and QSR retailers Starbucks and Tim Hortons (with discussion of key issues to merchant adoption of mobile payments).

The report also provides a competitive overview of the Canadian payment infrastructure, payment methods, and payments laws and regulations, as well as summary analysis of payments industry competition and ongoing government-driven policy initiatives.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Scope limitations
  • Report Summary
  • Market size and forecast
  • Mobile banking and payments have taken hold
  • A confluence of trends favor continued growth
  • While near-term limitations remain significant
  • Longer-term growth is assured
  • Reimaging and promoting the mobile/digital wallet
  • Canadian mobile banking trends
  • Canadian mobile payments trends
  • Point-of-sale and internet purchase methods
  • Electronic options, cash and check at the point of sale
  • Mobile payments at the point of sale
  • Mobile payments made via the internet
  • Canadian P2P usage trends
  • Canadian use of mobile financial, promotional & shopping tools
  • Mobile financial & promotional organization tools
  • Mobile shopping tools
  • Canadian mobile payments strategies: card associations
  • Interac
  • MasterCard
  • Visa
  • Canadian mobile payments strategies: banks
  • Bank of Montreal
  • Canadian Imperial Bank of Commerce
  • Royal Bank of Canada
  • Scotiabank
  • Toronto-Dominion Bank
  • Canadian mobile payments: mobile network operator strategies
  • EnStream
  • Rogers Communications
  • Blackberry
  • Bango
  • Canadian mobile payments: alternative provider strategies
  • PayPal
  • Square
  • Payfirma
  • MintChip
  • Canadian mobile payments: retailer innovation
  • Notes from the merchant front
  • Starbucks
  • Tim Hortons

Chapter 2: Canadian Payments Organization & Regulation Overview

  • Introduction
  • Canadian payments infrastructure
  • Payment methods
  • Table 2-1: Canadian Payment Methods
  • Canadian payment laws
  • Payments industry undergoing significant change
  • The Task Force for the Payments System Review
  • Code of Conduct for the Credit and Debit Card Industry
  • Application to mobile payments
  • Merchant payment choice
  • Competing domestic debit applications
  • Principle of equal branding
  • Debit and credit comingling
  • CBA Mobile Payments Reference Model
  • Competition Bureau
  • Huge discrepancy between credit and debit fees
  • Challenging practices as anti-competitive
  • Competition Tribunal dismisses case against Visa and MasterCard
  • Commissioner of Competition remains watchful
  • Government picks up where Competition Tribunal leaves off
  • Adding prepaid cards to the regulatory mix

Chapter 3: Market Size and Forecast

  • Summary analysis
  • A confluence of trends favor continued growth
  • But near-term limitations remain significant
  • But longer-term growth is assured
  • Reimaging and promoting the mobile/digital wallet
  • But continue to represent a tiny sliver of retail payments
  • Graph 3-1: Canadian Retail Payments Value: 2008, 2011 and 2012
  • Table 3-1: Canadian E-Wallet/P2P Payments Value: 2011-2016
  • Mobile payments value estimate
  • Table 3-2: Canadian Adult Consumer Mobile Payments Transaction Volume, 2014
  • Table 3-3: Canadian Adult Consumer Mobile POS Payments Transaction Value, 2014
  • Table 3-4: Canadian Mobile POS payment value: 2014-2017
  • Migration of cash and check to electronic payments
  • Lots of checks and cash left to convert
  • But electronic and mobile developments to help put checks on the ropes
  • Taking flight
  • Online/mobile opportunity: P2P transactions skew to cash
  • Table 3-5: Percentage of Consumer Transactions by Method of Payment & Payment Channel
  • Card-and phone-based opportunity: Most micropayments made in cash
  • Table 3-6: Percentage of Consumer Transactions by Transaction Value Range & Method of Payment
  • Harnessing mobile phones
  • Smartphone penetration
  • Table 3-7: Canadian Mobile Phone and Smartphone Users: Percentage of Population, 2014
  • Online banking highly penetrated
  • Tapping into e-commerce
  • Online orders to top $27 billion in 2014?
  • Table 3-8: Canadian Electronic Commerce: Number and Value of Orders: 2010 vs. 2012
  • Card-not-present credit card transactions a growing slice of the pie
  • Table 3-9: Canadian Internet Orders: Method of Payment, 2012 vs. 2012
  • Mobile is the word
  • Mobile payments move beyond niche status
  • Mobile P2P has taken hold
  • But not a slam dunk
  • A growing-but limited-NFC contactless base
  • 30% contactless share of terminals
  • Small slice of merchants
  • Large chain skew
  • Limited range of card types
  • Credit cards only, please
  • Table 3-10: Canadian Mobile and Digital Wallets: Card Payment Options, by Type of Card, 2014
  • Visa has a strong grip
  • Table 3-11: Canadian Bank Mobile Wallets: Visa, MasterCard & American Express Cards Issued, 2014
  • But coverage depends on carrier and phone
  • Table 3-12: Canadian Bank Mobile Wallets: Carrier Acceptance, 2014
  • Seguing into QR codes
  • Reimaging the mobile wallet
  • How can you improve on swiping a card?
  • Carrot & stick: wrap behavior-changing features around payments
  • Table 3-13: Canadian Mobile and Digital Wallets, by Provider and Name, 2014
  • Big steps: PayPal
  • Big steps: MasterCard
  • Banks doing it, too
  • Selling mobile to the public
  • Emphasis on ease and convenience
  • Cash replacement
  • Emphasis on security
  • Touting rewards
  • Incentives for trial

Chapter 4: Canadian Mobile Banking Trends

  • Summary analysis
  • Mobile banker definition
  • Mobile bankers
  • Table 4-1: Mobile Banking: Canadian Usage Penetration
  • Smartphones bring mobile banking to the mainstream
  • Table 4-2: Mobile Banking Usage, by Type of Phone Used, 2012 vs. 2014
  • Mobile banking features & methods
  • Demographic analysis
  • Generational trends bode well for uptake over time
  • HH income not a deal breaker
  • Table 4-3: Mobile Banking Feature & Method Usage Penetration, by Age & HH Income, 2014
  • Rural opportunity
  • Table 4-4: Mobile Banking Feature & Method Usage Penetration, by Province and Population Density, 2014 62

Chapter 5: Canadian Mobile Payments Trends

  • Summary analysis
  • Mobile payment definition
  • Mobile payers
  • Table 5-1: Mobile Payments: Usage Penetration, Usage in Past Month & Monthly Usage Frequency, 2014.
  • Mobile payment methods
  • Table 5-2: Mobile Payment Methods, by Demographic, 2014

Chapter 6: Point-of-Sale and Internet Purchase Methods

  • Summary analysis
  • Electronic options, cash and check at the point of sale
  • Mobile payments at the point of sale
  • Mobile payments made via the internet
  • Purchase methods at the point of sale
  • Table 6-1: Purchase Methods at the Point of Sale: Canadian vs. U.S. Consumers, 2014
  • Demographic analysis
  • Table 6-2: Purchase Methods at the Point of Sale, by Demographic, 2014
  • Mobile phone purchase methods at the point of sale
  • Definitional context
  • And the survey says . . . PayPal!
  • Table 6-3: Use of Mobile Purchase Methods at the Point of Sale, 2014
  • Demographic analysis
  • Table 6-4: Use of Four Leading Mobile Purchase Methods at the Point of Sale, by Demographic, 2014
  • Purchase methods via the internet
  • Definitional context
  • And the survey says . . . yes, PayPal!
  • Table 6-5: Purchase Methods on the Internet: Canadian vs. U.S. Consumers, 2014
  • Demographic analysis
  • Table 6-6: Internet Purchase Methods, by Gender, HH Income & Population Group, 2014
  • Table 6-7: Internet Purchase Methods, by Age, Population Density & Province, 2014

Chapter 7: Canadian P2P Usage Trends

  • P2P methods
  • Table 7-1: P2P Methods Used: Canadian vs. U.S. Consumers, 2014
  • Demographic analysis
  • Table 7-2: P2P Methods Used, by Demographic, 2014

Chapter 8: Canadian Use of Mobile Financial, Promotional & Shopping Tools .

  • Introduction
  • Mobile financial & promotional organization tools
  • Demographic analysis
  • Table 8-1: Use of Mobile Financial and Promotional Organization Tools, by Demographic, 2014
  • Mobile shopping tools
  • Demographic analysis
  • Table 8-2: Use of Mobile Shopping Tools, by Demographic, 2014

Chapter 9: Canadian Mobile Payments Strategies: Card Associations

  • Summary analysis
  • Interac
  • MasterCard
  • Visa
  • Interac
  • Non-profit status a boon and a bane
  • Going corporate
  • Stranglehold on debit transactions
  • Completive angle: very low fees
  • Products and services
  • Interac Online
  • Interac e-Transfer
  • Interac Flash
  • Debit in the mobile mix (barely)
  • MasterCard
  • Contactless leadership
  • Setting the mobile stage: PayPass
  • Security
  • Contactless usage footprint
  • Mobile relationships
  • Rogers agreement
  • MasterPass
  • And open wallet
  • Featuring shop and pay innovation
  • Bridging mobile POS payment options
  • Easy to use, ease to implement and easy to add features
  • Global expansion
  • More payment processors on board
  • In-app payment
  • Thank you, C-SAM
  • Mobile PayPass
  • Visa
  • Setting the mobile stage: Visa payWave
  • payWave skewed heavily to major chains; narrow retail segment scope
  • Secure, secure, secure
  • Mobile relationships
  • CIBC mobile payment app
  • Mobile deployment in the cloud
  • Visa Checkout
  • A narrow goal, for now
  • Bridging physical and virtual; muzzling Apple
  • LoopPay: iPhone neutralizer?
  • Visa Digital Solutions

Chapter 10: Canadian Mobile Payments Strategies: Banks

  • Summary analysis
  • Bank of Montreal
  • Canadian Imperial Bank of Commerce
  • Royal Bank of Canada
  • Scotiabank
  • Toronto-Dominion Bank
  • Introduction
  • Bank of Montreal
  • Mobile PayPass Tag
  • Canadian Imperial Bank of Commerce
  • Mobile banking leadership
  • CIBC Mobile Payment App
  • Incentive to use it
  • Who can use it
  • How they can use it
  • Limited uptake
  • Royal Bank of Canada
  • Mobile wallet launch
  • Scotiabank
  • Remote check deposit
  • Mobile payments app
  • Toronto-Dominion Bank
  • Personal banking reach
  • Expanding credit card business
  • And mobile banking leadership
  • TD Mobile Payment
  • On the way: Ugo

Chapter 11: Canadian Mobile Payments: Mobile Network Operator Strategies

  • Summary analysis
  • EnStream
  • Rogers Communications
  • Blackberry
  • Bango
  • Carrier-Based Payment Strategies
  • Partnerships, partnerships
  • But don't each of Big Three need to be on board?
  • Graph 11-1: Canadian Wireless Subscription Share, by Carrier, Q1 2014
  • Is 60% good enough?
  • Graph 11-2: Canadian Smartphone Operating Software Market Share: 2012 vs. 2013
  • There's NFC capable and then there's NFC enabled
  • Table 11-1: Leading Smartphone Brands, by Canadian Carrier and NFC Capability, 2014
  • EnStream provides the glue
  • If at first you don't succeed, try and try again
  • Goodbye, Zoompass
  • Hello, open wallet
  • Desjardins on board
  • Rogers Communications
  • suretap
  • Not a closed wallet, but not an open one, either
  • Financial institution? A credit card? A prepaid card?
  • But banks signing up
  • Blackberry
  • BBM Money
  • Bango

Chapter 12: Canadian Mobile Payments: Alternative Provider Strategies

  • Summary analysis
  • PayPal
  • Square
  • Payfirma
  • MintChip
  • PayPal
  • 152 million accounts and counting
  • An ecommerce giant
  • Crossing $200 billion in payment volume
  • Table 12-1: PayPal Payment Value: Total, Merchant Services and On eBay, 2011-2013
  • A very low loss rate
  • A mobile powerhouse
  • Table 12-2: PayPal Mobile & International Transaction Metrics, 2013
  • Free processing
  • In Canada, the mobile payments and P2P leader
  • Table 12-3: Canadians' Use of PayPal & “Runner Up”: Mobile POS Payment, Internet Payment & P2P, 2014 119
  • Recipe for success: the PayPal digital wallet
  • Omni-channel experience
  • Secure access
  • Simple, simple, simple
  • Smoother and quicker payments process
  • In-app payments
  • Payment agnostic, but with a plethora of out-of-house and in-house options
  • Gift cards in the mix
  • Connecting at the physical point of sale
  • PayPal Here: POS card payment solution
  • Online and mobile checkout
  • But no mobile payment app for physical POS - until now
  • Mobile check-in
  • Very limited reach-for now
  • Other value-added features
  • On the horizon
  • PayPal Beacon
  • Order Ahead & Pay At Table
  • Note on PayPal metrics
  • Square, Inc.
  • Products
  • Square Reader
  • Square Register
  • How much it costs
  • Table 12-4: Square: Products and Fees in Canada, 2014
  • Credit cards and gift cards only, please
  • Payfirma
  • Cost structure and card coverage
  • Table 12-5: Payfirma POS Solution Pricing, 2014
  • MintChip

Chapter 13: Canadian Mobile Payments: Retailer Innovation

  • Summary analysis
  • Notes from the merchant front
  • Starbucks
  • Tim Hortons
  • Retailer perspective
  • Card not present issue
  • Can we accept mobile Interac?
  • Businesses won't like a credit card centric model, especially smaller ones
  • Starbucks Canada takes the barcode route
  • Stored value card foundation
  • Tied seamlessly to loyalty program
  • Helps breed mobile payment success
  • On deck: mobile order and pay
  • But Starbucks chooses PayPal in Canada
  • In-app payment and reload
  • But card networks not giving up
  • At Tim Hortons, NFC and barcodes join hands
  • Doubling down on dual-purpose card
  • Tim Card sets the stage for “TimmyMe Pay”
  • But it's payment only
  • McDonald's helps RBC make a decision
  • Appendix
  • Methodology
  • Consumer survey methodology
  • Consumer survey methodology
  • Packaged Facts Canadian Survey Demographics
  • Market size methodology
  • Sources
  • Report table interpretation
  • Color coding
  • Indexing
  • Dollar figures in this report
  • Terms and definitions
  • Mobile wallet versus digital wallet
  • Prepaid cards versus debit cards
  • Other terms
  • Smartphone
  • Abbreviations
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