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市場調査レポート

モバイルバンキングとモバイル決済

Mobile Banking and Payments

発行 Timetric 商品コード 250444
出版日 ページ情報 英文 95 Pages
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本日の銀行送金レート: 1USD=101.50円で換算しております。
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モバイルバンキングとモバイル決済 Mobile Banking and Payments
出版日: 2012年09月11日 ページ情報: 英文 95 Pages
概要

当レポートでは、モバイル産業全体の成長について調査分析し、モバイルバンキングの成長における技術開発の役割を把握し、電子決済をサポートする技術やインフラについて考察し、銀行によるモバイルバンキングの活用方法、モバイル金融サービスの主な特徴について検証して、ケーススタディなども含め、概略以下の構成でお届けいたします。

第1章 エグゼクティブサマリー

第2章 モバイル産業の成長が、モバイルバンキングとモバイル決済の新しいシナリオを形成

  • モバイルバンキングサービスの新天地
  • 世界の携帯電話加入の普及率は2000年の2倍に
  • MNO:モバイル金融サービスに新規参入
  • モバイルの進化がインターネット普及率を増加させる:3Gネットワーク
  • モバイル端末メーカー:モバイル金融サービスにおける役割
  • モバイルの成長と技術の改革:モバイルバンキングとモバイル決済の機会
  • モバイル金融サービスの主な特徴
  • モバイル金融サービスの利点

第3章 モバイルバンキングの進化

  • 増加中のモバイルバンキング:2011年は1億8,500万ユーザー、2016年には5億5,000万ユーザーまで拡大
  • モバイルバンキング:24時間の銀行
  • 優位性を追求:モバイルバンキングの技術プラットフォーム
  • モバイルバンキングの将来的プラットフォーム

第4章 途上国におけるモバイルバンキング

  • モバイルバンキング:基本的な金融サービスへの扉を開く
  • 「モバイルマネー」の機会:20億のアンバンクトモバイル加入者
  • 銀行のお金:銀行や消費者向けモバイルマネーを貯蓄
  • アンバンクトがモバイルマネーを利用する方法
  • 南アフリカのケーススタディ
  • ラテンアメリカではモバイルがP2P決済を活性化
  • 市場機会を促進:送金、貯蓄、決済
  • 国際/国内送金の市場機会
  • 貯蓄と決済の機会
  • モバイルバンキングの機会に影響を与える主な規制要因
  • 新興市場の獲得方法:戦略的考察

第5章 先進国におけるモバイルバンキング

  • チャネル拡大と顧客満足度を向上させる付加価値サービス
  • モバイルバンキングのコスト構造
  • モバイルバンキングの価値
  • モバイル金融サービスのターゲット
  • 新世代の選択:Y世代をターゲットに
  • モバイルバンキング戦略を成功させる方法
  • 成功したモバイルバンキング戦略:Unicredit、La Caixa
  • モバイルバンキングケーススタディ:TowerGroup

第6章 モバイルバンキングとモバイル決済のセキュリティ

  • モバイル決済のセキュリティ問題
  • セキュリティ:モバイルバンキングの成長に対する障壁
  • 欧州の銀行は詐欺防止対策に注力
  • モバイルバンキングとモバイル決済における音声認証

第7章 モバイル決済の将来

  • モバイル決済の増加
  • 決済業界の新しい動向と消費者の習慣
  • モバイル決済:アプリケーション、ビジネスモデル、技術
  • NFCのモバイル決済:
  • P2Pのモバイル決済:リモート、近接型
  • 途上国におけるモバイル決済:概要
  • 先進国におけるモバイル決済:概要
  • 増大する市場機会:モバイルコンテンツ決済(小額決済)
  • 小額決済向けプラットフォーム:PayForIt
  • 決済システムプロバイダーの新たな情勢:ソーシャルネットワークとゲーム
  • 前払い市場の市場規模とモバイル決済

図表

目次
Product Code: VR0846MR

Synopsis

This report addresses the following key points:

  • The mobile banking phenomenon explained
  • Trends among emerging and developed markets
  • Mobile banking and mobile payments defined
  • Importance of mobile as a marketing tool and as a customer retention strategy
  • Mobile banking case studies

Summary

At the beginning of 2011, 30% of mobile phone users in developed markets used a mobile banking service on their mobile phones at least once. By 2015 however, a number of forecasts expect at least 50% of US mobile users to be conducting transactions from their mobile devices, doubling the 25% utilization rate in 2011. Despite the success of mobile banking apps, the future of mobile banking is likely to be dominated by browser-based solutions, due to the convergence of PC-based and mobile internet. The mobile financial service adoption by consumers will grow significantly during the next few years, exceeding the use of online banking by 2015. By offering mobile financial services, banks can reasonably expect to increase their sales by as much as 60%, while research has shown that implementation of such technology can reduce the cost of acquiring a new customer by 20% due to the increased effectiveness of mobile-related customer acquisition marketing.

Scope

This report will allow you to:

  • Analyze the growth of the overall mobile industry
  • Understand the role of technological development in the growth of mobile banking
  • Gain insight into the technology and infrastructure supporting electronic payments
  • Understand how banks are using mobile banking to beat the competition
  • Examine the key features of mobile financial services

Reasons To Buy

  • Assess the prospects for mobile banking and payments
  • Find out how additional revenue can be raised through value added services
  • Review the strategic and operational issues in the mobile banking sector
  • Study the profiles of leading banks within the mobile banking arena

Table of Contents

1. EXECUTIVE SUMMARY

2. MOBILE INDUSTRY GROWTH IS SHAPING NEW SCENARIOS FOR MOBILE BANKING AND PAYMENTS

  • 2.1. The new frontier for mobile banking services
  • 2.2. The global penetration of mobile phone subscriptions has doubled since 2000
  • 2.3. Mobile network operators: the new entrants into mobile financial services
  • 2.4. Mobile evolution expected to increase internet penetration: 3G networks in 159 countries in 2011
  • 2.5. Mobile handset manufacturers: What is their role in mobile financial services?
    • 2.5.1. Handset producers and banks: The Nokia Money case
    • 2.5.2. Mobile operating systems and mobile payments: The Google Checkout case
  • 2.6. Mobile growth and the technological revolution: opportunities for mobile banking and payments
    • 2.6.1. Developed economies
    • 2.6.2. Emerging economies
    • 2.6.3. Anytime and anywhere: The convenience of mobile financial services for consumers
  • 2.7. What are the key features of mobile financial services?
    • 2.7.1. Ubiquity
    • 2.7.2. Immediacy
    • 2.7.3. Localization
    • 2.7.4. Instant connectivity
    • 2.7.5. Proactive functionality
    • 2.7.6. High security
  • 2.8. What are the advantages of mobile financial services?
    • 2.8.1. Context-specific services
    • 2.8.2. Spontaneous decisions

3. THE EVOLUTION OF MOBILE BANKING

  • 3.1. Mobile banking on the rise: 185 million active users in 2011 and 550 million projected in 2016
  • 3.2. Mobile banking: The 24-hour bank
    • 3.2.1. Mobile accounting:
    • 3.2.2. Mobile brokerage
    • 3.2.3. Mobile financial information
  • 3.3. The quest for supremacy: Technological platforms for mobile banking
    • 3.3.1. Message-based banking (SMS)
    • 3.3.2. Browser-based banking (WAP)
    • 3.3.3. Application-based banking (APP)
  • 3.4. What are the future platforms for mobile banking?
    • 3.4.1. Key findings

4. MOBILE BANKING IN DEVELOPING COUNTRIES

  • 4.1. Mobile banking: unlocking the door to basic financial services
  • 4.2. The 'mobile money' opportunity: 2 billion unbanked mobile subscribers in 2012
  • 4.3. Money in the bank: the savings that arise from mobile money for banks and consumers
  • 4.4. How do the unbanked use mobile money?
  • 4.5. Case studies in South Africa
    • 4.5.1. A successful bank-led model: The Wizzit Bank case
    • 4.5.2. Transact account launched to target unbanked: ABSA Bank
    • 4.5.3. A successful mobile operator-led model: M-Pesa
  • 4.6. Mobile expected to stimulate P2P payments in Latin America
    • 4.6.1. DineroMail and MercadoPago
    • 4.6.2. Person to Person (P2P)
    • 4.6.3. Email billing
    • 4.6.4. Online bill payments
    • 4.6.5. Mobile transfers
    • 4.6.6. Key Latin American P2P service launches
  • 4.7. Driving market opportunities: remittances, savings and payments
  • 4.8. The international and domestic remittances market opportunity
  • 4.9. Savings and payment opportunities
    • 4.9.1. Savings and loans repayments
    • 4.9.2. Bill payments
    • 4.9.3. Government and commercial payments
  • 4.10. Key regulatory factors affecting the mobile banking opportunity
    • 4.10.1. Cash in/cash out
    • 4.10.2. Know Your Customer (KYC)
    • 4.10.3. E-banking
  • 4.11. How to conquer emerging markets: strategic considerations

5. MOBILE BANKING IN DEVELOPED COUNTRIES

  • 5.1. Channel extension and value-added services expected to improve customer satisfaction
  • 5.2. The cost structure of mobile banking
  • 5.3. What's in it for me? The value of mobile banking to the banks
    • 5.3.1. Pricing mobile banking
  • 5.4. Training your sights: Identifying the target segment for mobile financial services
  • 5.5. The choice of a new generation: how to target Generation Y
    • 5.5.1. Preference management
    • 5.5.2. Security and usability
    • 5.5.3. Personal financial management (PFM)
    • 5.5.4. A successful targeting strategy for Generation Y: the Sun National Bank case
  • 5.6. How to implement a successful mobile banking strategy
    • 5.6.1. Integration
    • 5.6.2. A triple-play solution
    • 5.6.3. Adaptable and extended functionality
    • 5.6.4. Bank-centric
    • 5.6.5. Proven for premium services
    • 5.6.6. Flexible enrolment
  • 5.7. A well implemented mobile banking strategy: Unicredit and La Caixa
  • 5.8. Mobile Banking Case Studies: TowerGroup
    • 5.8.1. Middle East and Africa Region
    • 5.8.2. Western and European Region

6. SECURITY OF MOBILE BANKING AND PAYMENTS

  • 6.1. Security issues in mobile payments
  • 6.2. Security - Barrier to mobile banking growth
  • 6.3. European banks' focus on fraud prevention measures
    • 6.3.1. Anti-fraud data sharing system - Hunter
  • 6.4. Voice biometrics in mobile banking and payments
    • 6.4.1. National Australia Bank (NAB)
    • 6.4.2. Westpac (Australia)
    • 6.4.3. Bank Leumi (Israel)

7. CHAPTER 6: THE FUTURE OF MOBILE PAYMENTS

  • 7.1. Mobile payments increasing:
  • 7.2. New trends and consumer habits in the payments industry
  • 7.3. Mobile payments: applications, business models and technologies
  • 7.4. NFC mobile payments
  • 7.5. P2P mobile payments: remote and proximity-based
    • 7.5.1. Mobile commerce platforms
  • 7.6. Mobile payments in developing countries: an overview
  • 7.7. Mobile payments in developed countries: an overview
    • 7.7.1. Europe
    • 7.7.2. US
    • 7.7.3. Japan
  • 7.8. A driving market opportunity: mobile content payments (micropayments)
  • 7.9. A successful platform for micropayments: the PayForIt case
  • 7.10. New landscapes for payment systems providers: social networks and gaming
  • 7.11. Market sizing of advance payment market and mobile payments

List of Tables

  • Table 1: Top mobile internet markets, Q4 2011
  • Table 2: Worldwide mobile device sales and market shares, 2010-2011 (Millions)
  • Table 3: Global mobile handset shipments and market shares, Q1 2012 (Millions)
  • Table 4: Merchant fees for processing sales thorough Google Checkout
  • Table 5: Effects of mobile, internet and banking infrastructures in developed and emerging markets
  • Table 6: BRIC countries: mobile connections, growth and penetration, 2011
  • Table 7: Comparative estimates of mobile banking users in the US
  • Table 8: Mobile accounting services
  • Table 9: Mobile financial information services:
  • Table 10: Wireless penetration rates in developing regions
  • Table 11: Percentage of banked households per geographical region, 2009
  • Table 12: Comparison between branchless banks and traditional banking services in developing countries
  • Table 13: The value proposition of mobile money solutions for banks and mobile operators
  • Table 14: Factors determining country readiness for mobile banking services
  • Table 15: Examples of banking groups offering mobile banking apps
  • Table 16: Mobile payments users (Millions)
  • Table 17: Business models for mobile payments
  • Table 18: Mobile payment providers in India
  • Table 19: Examples of mobile payment initiatives for different services in Europe

List of Figures

  • Figure 1: Mobile banking reached the 100 million users threshold in 4 years
  • Figure 2: Mobile subscriptions per 100 inhabitants (2006-2011E)
  • Figure 3: Internet subscriptions per 100 inhabitants (2006-2011E)
  • Figure 4: Mobile cellular subscriptions by geographical region (millions)
  • Figure 5: Mobile operating systems forecast market shares, 2011-2015
  • Figure 6: Opportunity areas for mobile banking and payments
  • Figure 7: Brand Association Map for mobile banking in the US
  • Figure 8: Mobile banking transactional users - regional estimates, 2011
  • Figure 9: Penetration of mobile banking among US mobile users, 2008-2015 (% of total)
  • Figure 10: The number of mobile banking customers in Hungary doubled between 2006 and 2010
  • Figure 11: Value added of 'mobile money' services for banks, MNOs and customers
  • Figure 12: Examples of mobile money deployments
  • Figure 13: Cost-to-serve savings of a 'mobile' MFI or bank
  • Figure 14: Cost savings for clients of a 'mobile' MFI or bank
  • Figure 15: Comparison between the pricing for branchless banking and traditional banking services
  • Figure 16: Average price for mobile banking services across developing economies
  • Figure 17: M-PESA's growth in revenues
  • Figure 18: Volume of remittances globally and categorized by region (2008-2011)
  • Figure 19: Top 10 remittance recipients in 2011 (US$ billion)
  • Figure 20: Average percentage fee on a US$200 remittance from G8 nations to developing countries
  • Figure 21: Per-transaction cost by banking channel ($)
  • Figure 22: Simulated ROI from cost reduction through mobile banking services
  • Figure 23: Consumer perceptions of Asian banks offering mobile banking services
  • Figure 24: The importance of social networks and web communities for bank relationships
  • Figure 25: Sun National mBanking App interface
  • Figure 26: Concern over security in mobile banking services 2010
  • Figure 27: Annual credit card fraud rates in UK, 2006-2010
  • Figure 28: Expected growth in number of NFC-enabled phones
  • Figure 29: Usage of mobile payments in Japan
  • Figure 30: Growth of the micropayments industry in Europe (2010-2015)
  • Figure 31: Percentage of consumers using micropayment providers in the US and Europe
  • Figure 32: Virtual goods market revenues in the US (US$ billion)
  • Figure 33: Advance Payments: Global Market Size
  • Figure 34: Mobile payments: drivers of growth
  • Figure 35: Issues significant for mobile payments
  • Figure 36: Important features for mobile payments
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