mobile money the power of collaboration · ibm cics transaction servers. 90% of global credit card...

MOBILE MONEY THE POWER OF COLLABORATION RICHARD JOHNSON

Head of Strategy & Insight

© 2003-2014 Monitise Group Limited. All Rights Reserved.

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Underpinned by the feeling of

security, safety, trust, convenience and ease

Manage my

money

Pay for things

such as bills

Be recognized

as individuals

Pay people &

ask for

payment

Buy things

and shop

Tell me

when

something

happens

WHAT IS MOBILE MONEY?

http://www.monitise.com


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Bit by bit, Bank relationships are being chipped away

Square Google PayPal

MERCHANTS

Square iZettle Seamless LevelUpDwolla

Facebook

Amazon

MCX AppleWalMart eWallets

CONSUMERS



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THE AMAZONISATION OF

BANKING???

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© 2014 Forrester Research, Inc. Reproduction Prohibited 5

Source: Why Google Bank Won’t Happen, Forrester Research

© 2003-2014 Monitise Group Limited. All Rights Reserved. P/5P/5



Monitise.comMonitise.com

WINNING FORMULA FOR BANKS

25+Visits per month

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MOBILE HAS OVERTAKEN INTERNET BANKING

AS THE CHANNEL WITH HIGHEST ENGAGEMENT

Annual Digital Banking Logins in the

United States, 2010 to e2016 (in millions)




WINNING FORMULA FOR BANKS

25+Visits per month

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Payments•Domestic

•International

Card

Processors

Mobile

Top-Up

Travel Card

Providers

Ticketing

3rd Party

Providers•Foreign Exchange

• Insurance

Retailers

Shopping

& Loyalty

PLATFORM FOR COLLABORATION

Use of standard Interfaces

Bank

Core

BankingWealth

Other e.g.

CRM

Augmentation

Connector

Mobile

Operators

OEMs

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Monitise.com

1. Technology

The Power of Collaboration

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Payments•Domestic

•International

Card

Processors

Mobile

Top-Up

Travel Card

Providers

Ticketing

3rd Party

Providers•Foreign Exchange

• Insurance

Retailers

Shopping

& Loyalty

Use of standard Interfaces

Bank

Core

BankingWealth

Other e.g.

CRM

Augmentation

Connector

Mobile

Operators

OEMs

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Source: IBMP/12

Financial Services sector revenue

from services, software, and systems

represented $27bn of IBM’s $100bn

revenue in 2013, and were its largest

end-market.

90% of the top 60

banks use IBM

products to run their

IT system.

90%

All of the Global Fortune 100 Banking

and Financial Services companies use

IBM CICS transaction servers.

90% of global credit card transactions

are processed on IBM Mainframes,

which are also used by 23 of the top

25 US Retailers.

IBM has 40 datacentres in 15

countries and 5 continents, part of a

$7bn cumulative cloud platform

investment that now comprises over

5000 private and hybrid cloud

engagements.

90%

$27bn

IBM




Monitise.comMonitise.comIBMCOMPELLING DIGITAL BANKING, PAYMENT AND COMMERCE EXPERIENCES ACROSS ALL CHANNELS – MOBILE FIRST

MONITISE VALUE ADD

Bank Pay Buy

Components of Banking, Payment and Commerce

Mu

lti-channel

IBM VALUE ADD

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Monitise.com

1. Technology

2. Ecosystem connectivity


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Monitise.comYaap – Shopping on Mobile

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“...a single destination in which hundreds of shops

can operate (with pain-free access for merchants)

…Clearly, the banks are key to Yaap.”



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1. Technology

2. Ecosystem connectivity

3. New, fast-to-market propositions


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OFFERS+

Loyalty service powering offers from popular local

brands

Customers set up personalised profile by swiping

through favourite brands

Relevant offers are served based on consumer

location and preferences

Multiple redemption methods: merchant homepage,

via codes (QR etc.), in-store



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CARD COMPANION

• White-label card companion app delivered once through a processor and

available for multiple issuing banks

• Key card management features: balances, transaction history, card

activation, manage travel notifications, card blocking & manage credit limits

• Value-added payment services increasing issuer loyalty: Pay card, pay

a person via card-to-card transfers (same scheme), pay a bill and remote

deposit capture (US only)

• Zero integration with issuers’ systems

• Future proof: seamless connection to a wealth of new Monitise products &

services, as they become available



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MONITISE – GLOBAL LEADER IN MOBILE MONEY

AWARD-WINNING MOBILE BANKING SOLUTIONS

Innovative ‘Get Cash’ service

enabling money withdrawal

without the use of a bankcard



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INTERNATIONAL M-PAYMENT SOLUTIONS

BBM Money



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Airline

Services

Private Shopping

Portal

Mobile Shopping

ServicesSports Betting

Application

Event & Ticketing

Platform

Same-day Local

Delivery


INTERNATIONAL M-COMMERCE SOLUTIONS


THANK YOURichard [email protected]

mailto:[email protected]

mobile money the power of collaboration · ibm cics transaction servers. 90% of global credit card...

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