Mobile Payment Markets Money Transfers & Remittances 2008-2013 published by Juniper Research in August, 2008. This report consists of 114 PAGES and the price starts from US $ 3480.
Introduction
Abstract
This report provides the most up to date view of the mobile money transfers
market presenting market projections on subscriber take-up, transaction sizes
and volumes. It splits the forecasts by national (domestic) and international
and provides both analysis and forecast data on the opportunity for service
providers to increase ARPU.
As well as secondary research this report also includes detailed one-to-one
interviews with senior level executives along with in-depth case studies from
key companies pioneering in the money transfer market.
This report provides six year forecasts, across eight regions of the world
projecting market data on the incremental service provider revenue
opportunity, mobile money transfers subscriber take-up, transaction frequency
and transaction values.
Key Questions Addressed by this Report:
How many mobile users will make money transfers over the next six years
Which will be the leading regions in the market in 2013
What are the early usage experiences of companies providing these services
What will be typical transaction sizes
How often will users make mobile money remittances
What is the opportunity for mobile network operators to increase their ARPU
Key Benefits:
A unique source of research and analysis for money transfers & remittances
in the mobile payments marketplace including technologies, market
characteristics and forecasts
Practical analysis of emerging opportunities for vendors & operators
Unique insights: includes interviews with leading players who have
significant experience of money transfers & remittances in the mobile payments
market
Benefit from fresh thinking and intelligent market assessment
Table of Contents
Glossary
Executive Summary
Introduction
Mobile Commerce Market Trends
Money Transfers: Setting the Scene
GSMA Mobile Money Transfer Initiative
Market Projections
Service Provider Revenue Opportunity
Mobile Money Transfer Ecosystem Players
Recommendations
1. Mobile Commerce & Mobile Payments Market Trends
1.1 Introduction
1.2 Market Trends
1.2.1 Tellabs Interview
Figure 1.1: Tellabs Mobile Backhaul Solution
1.2.2 Bango Interview
Figure 1.2: Bango Analytics User Data Snapshot
1.3 Market Drivers and Constraints
Figure 1.3: Mobile Payments: Summary of Market Drivers & Constraints
1.3.1 Drivers
i. User Demand
ii. Increase in ARPU
iii. Increase in Retail Basket Size
iv. Real Alternative to Cash
v. First-time Access to Payments for Many in the Developing World
vi. Lower Churn for Mobile Operators
vii. Increase in International Money Transfers to Developing Countries
viii. Increased Demand for Smartphones
ix. Quicker than Cash at Point of Sale (POS)
1.3.2 Constraints
i. Availability of Capable Handsets
ii. User Experience
iii. Lack of Clear Business Model
iv. Resistance from Banks
v. Lack of Global Technology Standards
vi. Financial Regulations & Legislation
vii. Support Issues
viii. Transactions Costs for the Retailer
2. Mobile Payments: Market Structure
2.1 Introduction
2.2 Definition
Figure 2.1: mCommerce Payment Process
2.3 Segmentation
2.3.1 Top Level Segments
2.3.2 Sub-segments
2.4 Classification of Payment Schemes
Table 2.1: Mobile Payment Classification
2.4.1 Remote Mobile Payment
i. Mobile Phone Bill - “direct to bill” (D2B) Payment
ii. Premium Rate SMS (PRSMS) - Digital Goods
iii. Online - Payment for the Mobile Web & WAP Billing
iv. SMS Payment - Mobile Wallet and Account Based Payment
Figure 2.2: PayPal Mobile “Text To Buy”
v. Person-to-Person (P2P) Payment
vi. Remote Physical/ Mobile Web & WAP billing
2.4.2 Point of Sale Mobile Payment
2.5 On Deck & Off Deck
3. Setting the Scene for Money Transfers
3.1 Introduction
3.2 The Unbanked and Underbanked
Figure 3.1: USA Bank Account Ownership
3.3 Migrant Worker Remittances
Figure 3.2: World Remittance Flows ($bn) 2001-2007
Figure 3.3: Top 10 Migration Corridors 2005 - Millions
Figure 3.4: Top Remittance-Sending Countries ($bn) 2006
Figure 3.5: Top Remittance-Receiving Countries ($bn) 2007
3.4 GSMA Mobile Money Transfer Initiative
3.5 Mobile Money Transfer Services and Trials
Table 3.1: Sample of Mobile Money Transfer Services and Pilots/Trials
4. Vendors & Applications
4.1 Introduction
4.2 North America
4.2.1 Affinity Mobile Interview
Figure 4.1: Affinity MADE Platform Enables Basic Banking Applications
Figure 4.2: Affinity MADE Platform Mobile Ecosystem
4.2.2 XIUS-bcgi
4.2.3 CPNI
Figure 4.3: CPNI PATsend Sample Call Flow
4.3 Western Europe
4.3.1 Macalla Interview
Figure 4.4: Macalla Platform and Applications
4.3.2 Mi-Pay Interview
4.3.3 Monitise Interview
4.4 Rest of Asia Pacific
4.4.1 GFG Group Interview
4.4.2 Utiba
4.5 Africa & Middle East
4.5.1 Fundamo Interview
i. Overview
ii. Markets
iii. Products and Applications
iv. Strategy
4.5.2 Trivnet Interview
Figure 4.5: TRIV Platform™ and Applications
5. Operators and Services
5.1 Introduction
5.2 North America
5.2.1 Trumpet Mobile Interview
Figure 5.1: Trumpet' s Western Union Money Transfer Service
5.2.2 Obopay .
5.2.3 Monitise Interview: Everlink
5.2.4 PayPal and Sprint
5.3 Western Europe
5.3.1 Moneytext
5.3.2 Crandy
5.3.3 LUUP
5.4 Indian Sub Continent
5.4.1 Bharti Airtel/Western Union
5.4.2 Obopay/YES Bank
5.4.3 Visa
5.5 Rest of Asia Pacific
5.5.1 SmartMoney Interview
Figure 5.2: SmartMoney Service Features
Figure 5.3: SmartMoney Transfer Process
5.5.2 Globe GCASH
5.6 Africa & Middle East
5.6.1 Vodafone Interview
5.6.2 MTN Interview
5.6.3 Celpay
5.6.4 MoneyBox Africa
5.6.5 Monitise Interview: Made in Africa
5.6.6 Etisalat
6. Money Transfer Forecasts
6.1 Market Segmentation
6.2 Methodology
6.2.1 Approach and Assumptions
Figure 6.1: Mobile Money Transfer Market Forecast Methodology
6.2.2 Geographical Splits
6.3 Mobile Subscriber Forecast
Figure 6.2: Mobile Subscriber Base (m) Regional Forecast 2008 - 2013
Table 6.1: Mobile Subscriber Base (m) Regional Forecast 2008 - 2013
6.4 Service Provider Revenue Opportunity Forecasts
Figure 6.3: SmartMoney Tariff Set Extract
Figure 6.4: Safaricom Tariff Set Extract
6.5 Total Service Provider Revenue Forecast
Figure 6.5: Total Service Provider Mobile Money Transfer Revenue
Opportunity by Region p.a. ($m) 2008 - 2013
Table 6.2: Total Service Provider Mobile Money Transfer Revenue
Opportunity by Region p.a. ($m) 2008 - 2013
6.6 Transaction Value Forecasts for All Mobile Money Transfers
Figure 6.6: Total Value of All Mobile Money Transfers p.a. ($m) Regional
Forecast 2008 - 2013.
Table 6.3: Total Value of All Mobile Money Transfers p.a. ($m) Regional
Forecast 2008 - 2013 .
Figure 6.7: Comparison of National & International Mobile Money Transfer
Values (% of all) 2008 - 2013
7. National Money Transfer Forecasts
7.1 User Forecasts
Figure 7.1: Number of Mobile Users Making National Transfers (m)
Regional Forecast 2008 - 2013
Table 7.1: Number of Mobile Users Making National Transfers (m) Regional
Forecast 2008 - 2013
7.2 Transaction Traffic Forecasts
Figure 7.2: Average Number of National Mobile Money Transfers per User
p.a. Regional Forecast 2008 - 2013
Table 7.2: Average Number of National Mobile Money Transfers per User
p.a. Regional Forecast 2008 - 2013
Table 7.3: Total Number of National Mobile Money Transfers (m) p.a.
Regional Forecast 2008 - 2013
7.3 Transaction Size Forecasts
Figure 7.3: Average Size of National Transactions ($) Regional Forecast
2008 - 2013
Table 7.4: Average Size of National Transactions ($) Regional Forecast
2008 - 2013
7.4 Transaction Value Forecasts
Figure 7.4: Total Value of National Transactions p.a. ($m) Regional
Forecast 2008 - 2013
Table 7.5: Total Value of National Transactions p.a. ($m) Regional
Forecast 2008 - 2013
7.5 Transaction Value Per User Forecasts
Figure 7.5: National Transaction Value Per User p.a. ($) Regional
Forecast 2008 - 2013
Table 7.6: National Transaction Value Per User p.a. ($) Regional
Forecast 2008 - 2013
7.6 Transaction Service Provider Revenue Forecast .
Figure 7.6: Service Provider National Mobile Money Transfer Revenue
Forecast ($m) 2008 - 2013
Table 7.7: Service Provider National Mobile Money Transfer Revenue
Forecast ($m) 2008 - 2013
8. International Money Transfer Forecasts
8.1 User Forecasts
Figure 8.1: Number of Mobile Users Making International Transfers (m)
Regional Forecast - 2013
Table 8.1: Number of Mobile Users Making International Transfers (m)
Regional Forecast 2008 - 2013
8.2 Transaction Size Forecasts
Figure 8.2: Average Size of International Transactions Regional Forecast
2008 - 2013
Table 8.2: Average Size of International Transactions Regional Forecast
2008 - 2013
8.3 Transaction Traffic Forecasts
Figure 8.3: Average Number of International Mobile Money Transfers per
User p.a. Regional Forecast 2008 - 2013
Table 8.3: Average Number of International Mobile Money Transfers per
User p.a. Regional Forecast 2008 - 2013
Table 8.4: Total Number of International Mobile Money Transfers (m) p.a.
Regional Forecast 2008 - 2013
8.4 Transaction Value Forecasts
Figure 8.4: Total Value of International Transactions p.a. ($m) Regional
Forecast 2008 - 2013
Table 8.5: Total Value of International Transactions p.a. ($m) Regional
Forecast 2008 -
