Too Early to Call: Five Mobile Giants
Mercator Advisory Group, May 2012, Pages: 36
Mobile payments and commerce transactions -- particularly the moves by leading entrants Google, PayPal, Isis, Facebook, and Apple -- are at the center of a wave of technical innovation, venture capital investment, and business model disruption. Despite all of that attention, most of these approaches are hardly revolutionary in their impact on the overall payments industry. Card network and ACH-based settlement remain firmly in place. That said, innovation where payments meet the customer -- the mobile device -- is shifting the relationship among consumers, merchants, card brands, and financial institutions.
Mercator Advisory Group's new report ‘Too Early to Call: Five Mobile Giants’ introduces a straightforward method of evaluating payment innovation and provides a backdrop and forward-looking picture of payment industry evolution over the next five years. The report also examines the five mobile giants and their prospects against five criteria.
“The impact of Internet and mobile-based competition on the payments industry is at an early stage. But it is changing as innovative approaches to engage the consumer shift brand awareness and revenue opportunities,” states George Peabody, author of the report and Director of Mercator Advisory Group's Emerging Technologies Advisory Service. “Each of the mobile giants considered here has unique strengths and competitive capabilities.”
HIGHLIGHTS
- Five criteria used to evaluate entities born out of the Internet and mobile communications revolutions
- The unique and overlapping capabilities Google, Isis, PayPal, Facebook, and Apple bring to the payments and commerce functions
- The effects of Google's overreliance and suggested strategies to provide more focused offering for merchants and issuers as well as expand its business-to-business offerings
- The potential means NFC's peer-to-peer (P2P) mode offers to go around the mobile network operators and the trusted service manager model T
- The impact the five mobile giants of Google, Isis, PayPal, Facebook, and Apple will have on card brands and individual issuers.
Executive Summary
Emerging Technologies Analysis Framework
Key Questions
Demonstration Cases of Value Shift
Industry Context: Technology Certainties, 2012 - 2017
Mobile: Intelligence at the Edge
Identity
Multiple Transaction Origination Methods Thrive
Transaction Enhancement Services Supplant Simple Processing
Data Drives Decisioning
Review of the Mobile Giants
Google
PayPal
Isis
Facebook
Apple
Issues and Considerations
The Role of Financial Institutions
Everyone Wants a Piece of the Pie
It's (Nearly) All About the Data
“Come on in, My Wallet's Open,” Said the Spider to the Fly
NFC Technology Produces Business Advantage
Conclusion
Copyright Notice
FIGURES AND TABLES
Table 1: Scorecard Template for Evaluation of Technology Providers
Figure 1: Transaction Services Layer of the Mobile Payments Value Chain Delivers Rich Capabilities
Table 2: Google Wallet Scorecard
Table 3: PayPal Scorecard
Figure 2: Account Management Screens of Revamped PayPal Digital Wallet
Table 4: Isis Scorecard
Table 5: Facebook Scorecard
Figure 3: Apple Financial Rules and Account Updater Patent Illustration
Table 6: Apple Scorecard
Figure 4: Apple Payments Financial Rules and Account Updater Patent Illustration
Figure 5: Mobile NFC Transaction Value Chain
Figure 6: Scorecard Comparison of the Five Mobile Giants Across Five Criteria
- AT&T Mobility
- American Eagle Outfitters
- Apple
- Banana Republic
- Barclaycard
- Blackhawk Networks
- Bloomingdale's
- Capital One
- Chase
- Citi
- Discover Networks
- Facebook
- Foot Locker
- Fujitsu
- Gemalto
- Google
- Guess Jeans
- HTC
- Home Depot
- IBM
- InteliSpend
- Isis
- MICROS
- Macy's
- Maritz
- MasterCard
- NCR
- National Retail Federation
- PacSun
- PayPal
- Samsung
- Sony Ericsson
- Sprint
- Square
- T-Mobile USA
- TxVia
- Verizon Wireless
- Visa
- Zynga
- the Container Store
Product Samples
A sample for this product is available. Please Login/Register to download this sample.
Customers who bought this item also bought
All rights reserved. © Copyright 2013 Research and Markets WWW5
Terms and Conditions Privacy Policy Publishers Employment Opportunities Site Map Link to us Webmaster Affiliate Network
