Alcatel lucent mobile wallet service - gsma mobile money summit 2010
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Transcript of Alcatel lucent mobile wallet service - gsma mobile money summit 2010
Mobile WalletsBarriers and Opportunities to Revenue
Growth and churn reduction for MNO
By 2015, 1.4 billion people will be using mobile wallets - Edgar Dunn Company
2 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 20092 | Alcatel-Lucent MWS |March 2010
Alcatel-Lucent at a Glance
R&D PROFILE
Budget: €2.5 billion
Active Patents Held: More than 26,000
APPLICATIONS PROFILE
Subscriber data management: 190+ customers
Real-time payment customers: 210+ customers
20K+ services professionals
Ben VerwaayenChief Executive Officer
• Worldwide Presence: More than 130 countries
• Annual Revenues: €15.16 billion (2009)
• Employees: More than 77,000
• Employee Nationalities: More than 100
3 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
Global but regional (country) specific STARTING point
Emerging Developed
Applications
Mobile money transfer
(P2P,P2B, G2P)
International money transfer
Coin replacement (parking, vending)
Proximity payment and marketing (loyalty & couponing)
Agent / Merchant network
MNO airtime agents
MTO network agreement
Bank / Post agreement
Innovative services (payment+ APIs): e.g remote ordering
Partnership with CC (issuing) or acquiring networks
RegulatoryBank lead regulation
Mirrored SVA
eMoney license
Mirrored SVA
SIM rental
TechnologyConvenience on low feature phone
Low cost & ubiqitous security Smart Phone and App Stores
Model B2C B2B2C / B2C
Hi Ch risGive me a ca ll before 11AM.John
**Advtxt**This Summer - Travel CaribbeanReal Adventures: Incredible Vacat ions & Great Gatewayswww.caribbean.co m
Hi Ch risGive me a ca ll before 11AM.John
**Advtxt**This Summer - Travel CaribbeanReal Adventures: Incredible Vacat ions & Great Gatewayswww.caribbean.co m
€ €
4 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
Hi ChrisGive me a call before 11AM.John
**Advtxt**This Summer - Travel CaribbeanReal Adventures: Incredible Vacat ions & Great Gatewayswww.caribbean.com
Hi ChrisGive me a call before 11AM.John
**Advtxt**This Summer - Travel CaribbeanReal Adventures: Incredible Vacat ions & Great Gatewayswww.caribbean.com
Alcatel-Lucent Mobile Wallet ServiceVision 1.4 billion wallets for banked and un-banked by 2015 (EDC, 2009)
Proximity payment
Remote ticketing
Mobile marketing
E- and M-commerce
Person to person paymentInternational remittance
Convenient, always on and integrated payment and marketing (wallet 2.0)
Access to financial services in under-banked countries
5 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
Alcatel-Lucent Mobile Wallet Service (MWS)For developed & developing countries
Proximity payment, loyalty & marketin
g
Proximity payment, loyalty & marketin
g
Person to person money
transfer
Person to person money
transfer
Remote ticketingRemote ticketing
Online micro-
payment
Online micro-
payment
Mobile Application
Contactless
SMS
USSD
WEB
gateway
INTL remittanc
e
INTL remittanc
e
Bill payment
Bill payment
Telco
Bill
CashIN/Out
agent
MWSMWS
APISMP
ACS SVA
wallet
MWSMWS
APISMP
ACS SVA
wallet
SaaS
Stored Value Application
Loyalty & Couponing
PCI Payment Gateway / SEPA
direct debit
Mirrored SVA
Rating & Billing integration
APIs
6 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
MNO 2
Developed marketsImportance of enterprise packages in B2B2C approach
Proximity payment, loyalty & marketin
g
Proximity payment, loyalty & marketin
g
Person to person money
transfer
Person to person money
transfer
Remote ticketingRemote ticketing
Online micro-
payment
Online micro-
payment
MNO 1 Transport
Parking
Vending
Gifting
Retail fidelity
Mobile Application
Contactless
SMS
USSD
WEB
Payment gateway
Mobile Wallet Service
Mobile Wallet Service
Portfolio of Payment applications
E-store
….
7 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
API ExposureAPI Exposure
API Provider ManagementAPI Provider ManagementPrototyping/TestingDeveloper SupportDeveloper Support PublishingPublishing
Developed & developing marketsImportance of APIs
Location, Contacts & Presence
Location, Contacts & Presence
Application Enablers
Mobile WalletMobile WalletAuthentication –
Know Your Customer – SIM management
Authentication – Know Your
Customer – SIM management
Proximity payment, loyalty & marketin
g
Proximity payment, loyalty & marketin
g
Person to person money
transfer
Person to person money
transfer
Remote ticketingRemote ticketing
Shopping list &
remote order
Shopping list &
remote order
SocialSecurity Pay-out
SocialSecurity Pay-out
Bill payment
Bill payment
Airtime top-upAirtime top-up
Loan repaymen
t
Loan repaymen
t
8 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
Application
Index Score*
Top applications
Mobile Video Monitoring 3
Two-Way Video Calling 3
HD Music Access 2.5
Info. Delivery Based on Your Location 2.5
Mobile phone as a Wallet 2.5
Movement Based Games 2
Multimedia Mailbox 2
Medium appeal
Mobile Social Networking Access 1.5
Photo Enabled Search Engine 1.5
Shared Music 1.5
Group Video Conferencing 1
Mobile Virtual Reality 1
Multimedia Ringback Tone 1
Product Specific Information Access 1
Multimedia Shared Calendar 0.5
Online Content Sharing Portal 0.5
Content Access From Multiple Digital Devices 0
Mobile Crowd Casting 0
Real-Time Content Sharing 0
Less appeal
Application
Index Score*
Top applications
HD Music Access 3
Mobile phone as a Wallet 3
Mobile Video Monitoring 3
Information Delivery Based on Your Location 2.5
Group Video Conferencing 2
Mobile Social Networking Access 2
Multimedia Mailbox 2
Product Specific Information Access 2
Two-Way Video Calling 2
Medium appeal
Movement Based Games 1.5
Photo Enabled Search Engine 1.5
Shared Music 1.5
Multimedia Shared Calendar 1
Content Access From Multiple Digital Devices 0.5
Multimedia Ringback Tone 0.5
Online Content Sharing Portal 0.5
Real-Time Content Sharing 0.5
Mobile Crowd Casting 0
Mobile Virtual Reality 0
Less appeal
4G/LTE European Market Research 2009 - Mobile Phone as a WalletAlcatel-Lucent Market Advantage End-User Research
Application
Index Score*
Top applications
Group Video Conferencing 3
HD Music Access 2.5
Mobile phone as a Wallet 2.5
Mobile Video Monitoring 2.5
Movement Based Games 2.5
Two-Way Video Calling 2.5
Multimedia Mailbox 2
Product Specific Information Access 2
Medium appeal
Multimedia Ringback Tone 1.5
Shared Music 1.5
Information Delivery Based on Your Location 1
Mobile Social Networking Access 1
Real-Time Content Sharing 1
Mobile Virtual Reality 0.5
Online Content Sharing Portal 0.5
Photo Enabled Search Engine 0.5
Content Access From Multiple Digital Devices 0
Mobile Crowd Casting 0
Multimedia Shared Calendar 0
Less appeal
% ranked 1st
Average monthly
price
15% 3.2 Euro
17% 2.5 Euro
14% 4.2 GBP
Extremely/Very InterestedQuite InterestedNot Very/Not At All InterestedMobile
Phone as a Wallet
Key Findings
Mobile Phone as a Wallet
Key Findings
“All EU citizens should be able to use their mobile phone as a mobile wallet by 2015”
EC VP for the digital agenda – Neelie Kroes, May 2010
9 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 2009
Conclusion
1. Different starting application pending on consumer interest
2. Different go-to-market options
B2C for P2P
B2B2C approach via Vertical solutions (parking, retail, governmental agencies,..)
3. Make Money (ARPU by subscription/transaction) – KEEP Money (churn)
4. Open APIs to surround m-wallets with 3rd party VAS
5. From SIM rental, mirrored SVA up to eMoney license
10 | Touchatag |August 2009 All Rights Reserved © Alcatel-Lucent 200910 | NAR Business Development | November 2009
www.alcatel-lucent.comTHANK YOU
http://www.alcatel-lucent.com/mws
Proximity Payment Proximity loyalty and marketing
E- and M-commerce
Remote ticketing Person to person money transfer
International remittance