It would take other value-chain players much more time and significant effort to compete with this positioning. Our view is that Europe’s mobile payments market will be influenced by market developments in the US, which has a strong start-up culture. Industry experts highlight the urgency for banks and credit card companies not to fall behind other mobile payment providers in the game that will be decided in the following two years or so. While it is too early to predict winners, banks have a clear head start despite their damaged reputations, as they have by and large retained the trust of consumers.
It has established itself as a 소액결제 현금화 “convenient micropayment solution for specific situations,” such as purchasing rail tickets and commuter passes or usage (e-money) at station kiosks. In 2007, Suica lagged behind Edy in terms of consumer perception as a pseudo-currency. Nevertheless, as a result of vigorous recruiting of new member stores, mass-media advertising, in-store marketing and other promotional efforts, it is likely that attitudes towards this service are about to undergo a significant transformation. Facebook has offered the Credits payment solution for several years, which works with apps that run on its platform. Facebook is currently rolling out the system for linked mobile Web apps, partnering with mobile operators in 30 countries to create a direct-to-carrier billing system to make it much easier to pay for in-app purchases . Facebook Credits currently differs from other solutions because it only substitutes cash for certain transactions, but it is imaginable that the services are the first steps towards a Facebook wallet.
Aggregators are service providers thatenable e-commerce merchants to process their payment transactions. Aggregators allow merchants to accept credit cards and bank transfers without having to set up a merchant account with a bank or card association. Understandably, retailers and other well-established brands with existing high levels of customer trust are looking at developing their own schemes. Many large supermarket chains already supply financial products and have loyalty card schemes in place. It is a small step to enable more loyal customers to use a retailer-specific mobile payment mechanism.
2, the connection server 120 according to the second embodiment of the present invention includes a first receiving unit 121, a second receiving unit 122, a transmitting unit 123, a third receiving unit 124, . In Europe, the first experimentations of mobile payment took place in Germany during 6 months, from May 2005, with a deferred payment at the end of each month on the tramways and bus of Hanau with the Nokia 3220 using the NFC standard of Philips and Sony. Mobile network operators already have a billing relationship with consumers, the payment will be added to their bill. I have no doubt at all that we will be using our mobile as both our primary device to access the digital world and our primary means of paying for remote and physical purchases. A lot of our conversations with experts in context-awareness over the last few months have confirmed this.
But can we assume that young people who grew up in a technologically advanced environment will value the utility of mobile payment methods and their benefits? While mobile payments will be adopted quickly by some demographic cohorts who will make more measured progress among others, who will be the leaders? In the meantime, how will existing and new players develop the mobile payment market? One of the most important challenges will be to find the most valuable target groups and to align pricing models for mobile payment services. There are also questions about whether consumers will feel comfortable storing the intimate details of their financial lives in one basket, up in the clouds .