2013 ECC International

Mobile Payment
The race is heating up




Deutsche Telekom: Mobile Solutions Day 2014
Darmstadt, 24th June 2014

Thomas Lerner



2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Proximity Payments still the biggest piece of the pie
Core Segments Mobile Payment
Questions / Opinions / Quotes
Lessons from the leaders
Mobile Ready Enterprise
Who will deliver the Blockbuster?
Facts
The next entrants to watch
Current Mistakes
Agenda

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner



Leave me alone with your Mobile Payment stuff. This is a dead horse. (German Publisher)

There no need for Mobile Payment in Germany. We have ATMs, Credit cards,
Branches. (Bain / FAZ April 2014)

Mobile Payment is a Game Change where the infrastructure for banking is missing

Mobile Payment is one of the biggest markets. Good for business to be in!

The End of monopoly (The Economist, May 2014)

Mobile is the future (Eric Schmidt, Google)

Mobile Payment via Touch ID is on the way. (Tim Cook, Apple)

Mobile us not the future, it is now. Meet your customer, in the environment of their choice,
not where its convinient for you. (Cyndie Shaffstale)

If you are not in mobile (payments) you are out! (Thomas Lerner)


Questions/ Opinion / Quotes

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Facts: Mobile Payments
2016: 50 Mill. Europeans use Mobile Payments, 175 Mill
Asians (Gartner). We reach the Asians figures this year

Smartphone growth between 15-20%, tablets 35% every year till 2017

Mobile Money accelerates; 70% MNOs; > 150 Services

Biggest Market : China:
1,6 Trillion US-Dollar, transaction growth: 213%, value of
transactions 317%, 500 Milliion Mobile Internet User

Facebook access market; Apples start will be expected soon

Banks (Barclays, Paym) awakening

Retailers (MCX) join forces













2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Proximity Payments the biggest piece
of the pie

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Core Segments Mobile Payment

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


The next entrants to watch (examples)

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Deutschland
30

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Current Mistakes
Mobile Payment isnt a competition of technologies
(NFC, BLE, Beacons, HCE.)

Missing homework

Understanding of essential pieces / Mobile Payments

Offering a platform; hope for customers and retailers

Missing solving real needs / service differentiation

Everybody believes to be NTT Docomo / M-PESA

Value Proposition

Wait and see-approach leads to the end of status-Quo




2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Lessons from the leaders (I)
Mobile Payment: Business decision follows clear strategy

Business Model cristal clear

Precondition: Mobile-ready enterprise

Mobile Research + Management of Innovation

Flexible / extensible Business eco system (Partner-/
Alliance-Model)

Platform-Strategy (Product-/Multi-side-strategy)




2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Mobile-ready Enterprise

2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Lessons from the leaders (II)
Integration Stakeholder

Countyspecific habits, laws, regulation, market

Check Solving Chicken Egg Dilemma

Enterprise Joint Venture Cross Sector / country

First Lesson: Start with customer / Retailer

Solve their not your problems (Need seeker concept)




2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner


Who will deliver the Blockbuster?



2013 ECC International


One more thing
(Apples Schachzge im Mobile Payment)




Thomas Lerner



2013 ECC International
LMC
Wilhelm-Schrohe-Strae 10
55128 Mainz / Germany
Thomas Lerner
Author, Management Consultant
(Mobile Banking/Payment/Marketing)

Tel. +49 (0) 6131 337569
Mobil. : +49 (0) 170 8327849
E-Mail: tk.lerner@web.de
Linkedin: 1312mainz1979
Twitter / Xing
Internet: www.thomas-lerner.de
Contact

2013 ECC International
Consultant, author, Economist (Johannes Gutenberg University /
Mainz) attended in 2000 E-Commerce Executive Masterclass
at Haas-Business School, University of California Berkeley.
More than 15 years in Mobile Business and Payments. Various
projects in this area for banks, MNOs, media and IT- companies.

Speaker, Trainer, advisor in Europe, Asia (Kuala Lumpur/Manila)
and soon Africa in Mobile Marketing, Banking and Payments.
The latest of his books Mobile Payment was published in
December 2013 It is read in more than 30 countries and the
worlds leading universities. At the end of his next book "Mobile
Marketing + Mobile Banking" will be published.
Together with Thomas Geiss he was awarded in 2003 for UMTS-
Innovation by Vodafone and the state Hessen.

Currently he offers exec coaching in mobile, staff training,
strategy advisory and project support.
Next 2-days workshops are: Kuala Lumpur 1-2. Sep. / Singapore
4-5. Sep und Cape Town 18-19. Sep.
Contact