newsletter - PSE Consulting
Transcription
newsletter - PSE Consulting
newsletter 3 March 2015 SUMMARY OF TOPICS: Mobile and e/m-Commerce Issuing M&A Regulation www.pseconsulting.com @PSEConsulting +44 (0) 20 8891 6244 MOBILE and e/m-COMMERCE Much of this week’s news has been generated by the Mobile World Congress in Barcelona. Visa announcements included: The acquisition of TrialPay by Visa Inc. http://tinyurl.com/pb2xytz The Trialpay platform t connects merchants with consumers through targeted promotions. Visa Inc also announced it is supporting consumer payments with the new Samsung Galaxy S6. http://tinyurl.com/kp7bt7j Users will be able to make secure Visa payments with Samsung Pay, Samsung’s new payment service scheduled to launch this summer. US only. The Samsung challenge to Apple Pay will work at both contactless-enabled and most traditional POS as it incorporates LoopPay technology. Visa EU meanwhile put out a general message on Android/HCE demos in Barcelona. http://tinyurl.com/mg2r8ml And that it is linking with Pizza Hut and Accenture to develop ‘in-car purchase experiences’. http://tinyurl.com/lqhah7k The partnership is building a proof-of-concept connected car to test mobile and online purchases on the go based on Visa Checkout and BLE/Beacon technology with embedded connectivity. MasterCard Surprises now live in 25 countries. http://tinyurl.com/ncl3cgv MasterCard is working with Kiip to power a Priceless Surprises App and Mobile SDK that will be launched soon. It is to support Samsung Pay. http://tinyurl.com/pem6l3r The same message as for Visa re the Galaxy S6. MC’s third annual Mobile Payments Study indicates consumers are more comfortable with using mobile for payment. http://tinyurl.com/pqnfpx4 The research tracked 19.1 million global social media posts across Twitter, Facebook, Instagram, Forums, Weibo (CN), Google+ and YouTube during 2014 that showed a change in both the tone and focus of the social discussion. It is partnering with Cubic Transportation Systems to support its mobile ‘Next City’ platform. http://tinyurl.com/qcu4jch MasterPass will be integrated with Cubic’s NextWave ticketing and journey planning app. CaixaBank meanwhile is launching an app that supports online banking transactions using voice commands. http://tinyurl.com/nnx6u8s Users will be able to make balance enquiries and transfers and locate branches and ATMs using voice commands. Further biometrics features will be added in the future. MasterCard announcements included: It is partnering with wagamama to introduce the Qkr! app with MasterPass. http://tinyurl.com/q9twz9r The app will allow customers to pay their bill as and when ready in 112 wagamama UK restaurants. The app allows bill splitting. © PSE Consulting The Centre for Retail Research has published research showing the key figures and trends for retail e-commerce in eight European markets and North America. http://tinyurl.com/c3bmapk Data is for retail only and excludes travel, restaurants, tickets, transport, etc. Infographic at http://tinyurl.com/nwwqdvp 2 MOBILE and e/m-COMMERCE (CONT) PayPal has announced the acquisition of Paydiant. http://tinyurl.com/mu5hau4 Merchants can use Paydiant’s platform to create their own branded wallets for mobile-in-store payments and deliver loyalty and other offers to consumers. Paydiant has provided the mobile wallet platform for the US retailer MCX wallet. In the UK, PayPal is adding NFC capability to PayPal Here. http://tinyurl.com/pbqbzha Roll-out will start in the summer. Ingenico’s latest mPOS solution enables NFC acceptance of Apple Pay, MasterCard contactless and Visa payWave. http://tinyurl.com/prckaea It claims it is the first audio-jack based PED in the market that combines NFC/contactless and mag stripe capability. GoSwiff moves down a similar track with NFC contactless solution. http://tinyurl.com/o233zpb Eika Bank in Norway is to launch the Eika mobile wallet in June supported by Nets. http://tinyurl.com/nkhauuk The NFC-based solution, that uses the embedded secure element eSE, will be initially available for use by 100,000 potential customers of seven local Norwegian banks using Samsung S6 phones (which cuts things down a bit). Bango announces launch of its Bango Grid. http://tinyurl.com/o6y8mm3 Bango Grid provides a new and rapid way to launch carrier billing for app developers globally. A web-based service that centralises all the necessary information, planning and management tools for carrier billing. © PSE Consulting GSMA publishes the 2014 edition of its Mobile Money State of the Industry. http://tinyurl.com/nc398fg 255 mobile money services are now in operation across 89 countries and are available in over 60% of developing markets (80% in SSA). Telefonica and Gemalto are to pilot mobile NFC ticketing in Madrid for the city’s Transport Authority. http://tinyurl.com/kr88wk3 The app has been developed by Samsung specifically for Galaxy smartphones. PayPal has introduced PayPal Plus in Germany. http://tinyurl.com/nfndzfb (PayPal German Blog/Google translate) Online purchasers can choose from four different payment methods - PayPal, credit card, automatic debt collection or invoice (coming later in 2015). Intrum Justitia launches Klarna type services for e-merchants in the Nordics. http://tinyurl.com/mtovle9 The Avarda white label service is a JV with TF Bank and will enable e-merchants to offer purchasers payment on invoice or revolving credit. OP Financial Group gives its Pivo mobile wallet NFC. http://tinyurl.com/m25a6w9 Stratos card to launch in US. http://tinyurl.com/n9uuv3o A wallet but one that loads everything on to a physical card with an app. Issued on a subscription basis from April PayPal Investor Presentation by CEO Dan Schulman at Morgan Stanley's Technology, Media and Telecom conference. http://tinyurl.com/noxgbjp Transcript at http://tinyurl.com/nrydgx6 "Our vision for PayPal is to be the world's leading open digital payments platform”. 3 ISSUING Citigroup and MasterCard have announced that the companies are to work more closely in a new and expanded 10-year agreement. http://tinyurl.com/ovapk53 Citi says it will continue to work with other networks, including on consumer co-brands and commercial cards. M&A Wirecard is purchasing AirPlus’ Visa and MasterCard acquiring business. http://tinyurl.com/m6q97oo Assignment of the relevant service agreements will take place in H1/15. REGULATION European Parliament: 1st reading vote on MIFs at next week’s plenary session. The Payments Council has published its response to HM Treasury’s Call for Evidence on Data Sharing and Open Data in Banking. The Payments Council is broadly supportive of the Government’s wider aims to enhance the ability for customers to share data with 3rd parties and to improve outcomes through the publication of nonpersonal open data. This approach is also generally in line with the legislative approach being taken in Europe through PSD2, which is seeking to regulate account information service providers (AISPs) and payment initiation service providers (PISPs). http://tinyurl.com/ppn9jqn . The RBA has announced a Review of Card Payments Regulation and has issued a consultative paper. http://tinyurl.com/qb7mczm The RBA is seeking views on card regulation and discusses a number of possible options. © PSE Consulting 4