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  • Emerging Markets Payment Index: Q2 2015 Report by Fortumo

  • Emerging Markets Payment Index: Q2 2015

    The Emerging Markets Payment Index focuses on markets highlighted by GfK in its global forecast of top smartphone markets for growth by value in 2015: India, Indonesia, South Africa, Brazil, Pakistan, Nigeria, Egypt and Vietnam*. These markets have a significantly lower level of access to traditional online payments than mature economies. India and Vietnam for example have a credit card penetration below 2% and in Nigeria 99.3% of all card transactions are conducted on ATMs.

    The payment index aggregates carrier billing data from various platforms (web, mobile web, feature phones, smartphones) and app stores using Fortumo carrier billing.

    * - China and Bangladesh have been omitted from the index as Fortumo provides carrier billing only for Android developers in China and does not operate in Bangladesh.

    The Emerging Markets Payment Index is intended to be used by web, game and app developers for benchmarking their revenue in markets with high smartphone growth and low credit card penetration.

    Introduction

    http://www.gfk.com/news-and-events/press-room/press-releases/pages/tech-devices-in-2015-sales-forecast.aspx http://rbidocs.rbi.org.in/rdocs/ATM/PDFs/CAT05082013F.pdf https://www.techinasia.com/is-southeast-asia-ready-for-online-payments/ http://www.cbn.gov.ng/icps2013/papers/NIGERIA_PAYMENTS_SYSTEM_VISION_2020%5Bv2%5D.pdf

  • India Population: 1237 million

    Median age: 25.9

    Phone penetration: 70.33%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $5,855

    Credit card penetration: 2%

    $3.66 $2.86

    -21.9%

    $0.62 $0.54

    -12.9%

    +39.4%

  • Pakistan Population: 182 million

    Median age: 21.2

    Phone penetration: 71.56%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $4,736

    Credit card penetration: 1%

    $3.87 $2.73

    -29.5%

    $0.35 $0.31

    -11.4%

    +81.35%

  • Indonesia Population: 237 million

    Median age: 27.9

    Phone penetration: 99.33%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $10,641

    Credit card penetration: 1%

    $8.31 $7.83

    -5.7%

    $0.82 $0.9

    +9.8%

    +52.6%

  • Vietnam Population: 90 million

    Median age: 27.4

    Phone penetration: 72.3%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $5,635

    Credit card penetration: 1%

    $4.83 $3.51

    -27.3%

    $0.5 $0.44

    -12%

    +28.1%

  • Brazil Population: 201 million

    Median age: 30.5

    Phone penetration: 130.85%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $16,096

    Credit card penetration: 29%

    $17.04 $17.02

    -0.1%

    $2.07 $1.85

    -10.6%

    +4%

  • Nigeria Population: 173 million

    Median age: 19.1

    Phone penetration: 65.67%

    Quarterly ARPPU Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $6,031

    Credit card penetration:

  • Egypt Population: 83 million

    Median age: 24.0

    Phone penetration: 91.39%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $10,877

    Credit card penetration: N/A

    $4.86 $4.63

    -4.7%

    $0.54 $0.51

    -5.5%

    +15.2%

  • South Africa Population: 52 million

    Median age: 24.7

    Phone penetration: 112.48%

    Quarterly ARPPU

    Emerging Markets Payment Index: Q2 2015

    Average Payment Size

    Carrier billing ARPPU

    Carrier billing ARPPU change QoQ:

    Transaction Volume Change

    Carrier billing transaction volume change QoQ:

    Carrier billing average payment size

    Carrier billing payment size change QoQ: GDP per capita: $13,046

    Credit card penetration: 15%

    $12.66 $13.72

    +8.3%

    $2.46 $2.38

    +4.8%

    -3.3%

  • bd@fortumo.com https://twitter.com/fortumo https://facebook.com/fortumo

    Fortumo allows any merchant to set up payment processing for web and mobile services, games or apps. Users with a mobile phone are then able to make one-click payments using Fortumo without the need for a credit card: payments are charged to their mobile operator bill instead. Fortumo supports payments in 90+ countries through 350 mobile operators. Founded in 2007, Fortumo has offices in Estonia, US, India, China and Singapore and is backed by Intel Capital and Greycroft Partners. Get started with mobile payments at https://fortumo.com.

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