1wallet100x - Social Mobile Payments

parisfawnAI and Robotics

Nov 17, 2013 (3 years and 11 months ago)

70 views

One
Wallet, or
100?

Barbara Ballard


C
-
SAM

C
-
SAM


White label, enterprise grade, mobile wallet
platform


Mobilize diverse ecosystems


All mobile OS


All connection technologies


Launched 1998


International

Presence

APAC

JAPAN

EUROPE

INDIA

LATAM

USA

GLOBAL
PARTNERS &
RESELLERS

3

Early days of mobile
w
allet

Wallets?

Typical questions


How do we encourage
adoption?


What technology will
win? NFC?


Google or Isis?


Future of NFC secure
element?


What is the killer app for
wallet?


Evolution of payments

Coin

Cash

Check

Credit

?

Why evolve?

Convenience

Efficiency

Value

Blocker: trust

Blocker: security

Convenience: carry fewer
cards?


Credit


Debit


Loyalty



Winners:

o
Starbucks

o
Google Wallet



Insufficient merchant
acceptance

Convenience: transaction
speed?









Not there yet.


Unlock phone


Launch app


Enter PIN


Select coupons


Tap/scan/show



Winners

o
Complex transactions

o
Leverage queue time

We are still supporting
mostly early adopters

Successes are due to the fact that the phone will be carried
with customers regardless

Moving towards mass
market

Value for consumers & merchants

Fewer cards,
redux


Advantage: Passbook


Add in …

o
Transit cards

o
Gym cards

o
ID

o
Health records

o
Building access cards

Transaction speed,
redux


Advantage: retailers




Advantage: Google





Advantage: Apple


Bypass POS

o
Apple store, some
Walmart


Accelerate app
security

o
Face/voice recognition

o
Square “open a tab”


Bypass app launch

o
Fingerprint authenticate
at lock screen

Convenience: unification


Advantage: Google



Advantage: retailers




Advantage: financial
institutions


One wallet for online &
offline purchases

o
Scan web site bar code to pay


Transaction history



Pay anyone

o
Bills

o
Friends

Value: enhanced shopping


Social shopping

o
Does this look good on
me?

o
Pinterest

for purchases


Gift registries


Honey
-
do lists



Advantage:
retailers


Be as known in
physical store as
when visiting
amazon.com


o
Personalized
offers/promotions

o
Saved order history

o
Loyalty balance


High touch
experience via tech


We are doomed to 100
wallets

But we can make it better

Wallet
-
enabled apps


Centralized wallet services (Isis, Google,
etc.)

o
Serve as clearing houses & identification management

o
Largely run as they are now

o
Separate application


Enable apps to authenticate to the wallets

o
Like Google Wallet or
Paypal

as payment method online



Users pick 1
-
3 general wallets based on trust


Merchants enable all major wallet providers

We do something like that

L
I FESTYLE

C
ONTAI NER

The C
-
SAM Lifestyle Container

Health Care
Providers

Government

Merchants

Financial
Institutions

Telco

Service
Providers

Ecosystem
Aggregator

Leather Metaphor Wallet

Seamless integration of technology to provide rich user experience

Geofencing

NFC

Push

Bar Codes

QR Codes

Augmented
Reality

Location

Maps

Phones

Bluetooth

Tags

Kiosks

Posters

Tablets

POS

RFID

Calendar

Camera

100 Wallets

Multiple Payment Channels

Multiple Handsets

Proximity

Cloud


Embedded


SWP SIM


MicroSD

Multiple Secure Elements

Multiple Services

Multiple Providers

Multiple MNO/
TSM

Financial
Services

Retail

Healthcare


mBanking


mPayment


Loyalty


Ticketing


P2P


Top
-
up


Coupon


…..

TSM

TSM

Mobile Wallet Platform

One wallet (platform)

Thanks!

@
c_sam_inc

http://www.c
-
sam.com


@
barbaraballard

Barbara.Ballard@c
-
sam.com