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Digital Money Conference …
Tags: business development manager, business drivers, cap gemini ernst, cap gemini ernst young, communications network, convergys, customer relationships, digital money, european business development, france telecom, gemplus, money conference, ncipher, oracle 9i, oracle financials, payment software, revenue opportunity, sun oracle, t online france, verisign,Pages: 4
Language: english
Created: Mon Apr 15 10:52:12 2002
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Digital Money Conference
Cyprien Godard
European Business Development Manager
April 10th-11th 2002, London
©2002 IPIN.
All rights reserved.
iPIN Overview
Mission Modular payment software that enables companies to
enrich existing customer relationships with revenue-
producing, targeted payment systems.
Background · Incorporated 1997
· Offices in Belmont, Paris, and Hong Kong
· 60 employees
Customers · France Telecom, Vodafone, BT, Visa, HSBC, T-Online
France
Markets · Telco/wireless, financial services, telematics, utilities
Product · iPIN Payment PlatformTM 3.1 (14 modules)
Technology · EJB/J2EE, Oracle 9i, Oracle Financials
Partners · Cap Gemini Ernst & Young, Gemplus, Verisign, Lucent,
Logica, Convergys, nCipher, Sun, Oracle
1
Market Overview
Business Drivers
! Companies are starting to view payments as a
new revenue opportunity, not just a cost
center.
! Many companies already possess key
elements of a payment network: buyers,
sellers, a communications network, and
settlement methods.
! Existing payment technologies do not, and
cannot, adapt readily to emerging
opportunities.
iPIN Solutions
Virtual World Physical World
TM TM
Content PayTM Remote PayTM Mobile Pay Scan Pay
-Pay at a virtual -Pay at a virtual -Pay at a physical -Pay at a physical
merchants merchants merchants merchants
- for low priced digital - for hard goods and -for hard goods or - for hard goods or
items, such as content higher priced-point services services
and services. services
- using the mobile phone - using a contactless
- using web, WAP, SMS, - using web, WAP, SMS, and cellular network as device as credential
IVR channels IVR channels electronic payment repository that connects to
terminal. the merchant's POS via a
local area network.
iPIN Payment Platform
2
iPIN's Payment Solutions are:
·Flexible
·Global
·Secure
·Interoperable
·Market Ready
Cyprien Godard
cgodard@ipin.com
+33 158 56 7206
©2002 IPIN.
www.ipin.com All rights reserved.
Appendix - Market Overview
European Mobile Data Application Segment ARPU: (2000-2006)
Source: Yankee, 2001
Total User's ARPU by Segment Data User's ARPU by Segment
$9 $16
$8 $14
$7 $12
$6
$10
$5
$8
$4
$6
$3
$4
$2
$1 $2
$- $-
1 99 9 2 000 20 01 20 02 200 3 2004 2005 20 06 2 00 0 2001 2 002 2 003 2 004 2 005 2 006
Messaging Infotainment Enterprise M-Commerce Messaging Infotainment Enterprise M-Commerce
Total Users ARPU (US$/month) 2000 2001 2002 2003 2004 2005 2006
Messaging/E-mail $ 1.97 $ 2.91 $ 3.85 $ 5.12 $ 6.23 $ 7.28 $ 8.21
Infotainment $ 0.12 $ 0.38 $ 0.79 $ 1.18 $ 1.63 $ 2.15 $ 2.70
Enterprise $ 0.08 $ 0.11 $ 0.16 $ 0.24 $ 0.33 $ 0.48 $ 0.70
M-Commerce $ 0.01 $ 0.03 $ 0.11 $ 0.26 $ 0.43 $ 0.72 $ 0.99
Average Data ARPU $ 2.18 $ 3.44 $ 4.91 $ 6.78 $ 8.61 $ 10.63 $12.59
3
Appendix - Market Overview
Market Potential Western Europe
45000
$41bn (SA)
40000
35000 Range in
forecasts
largely Potential Wireless
30000 driven by POS market
($m) unknown
25000 penetration
of wireless
POS
20000 payments $20bn (BCG)
$19bn (IDC)
15000
10000 $7.4bn Top up of (1)
prepaid
accounts
$6.4bn
5000 $3.4bn $4.5bn Wireless
micropayments (2)
$148m $1.4bn WAP Commerce (3)
0
2000 2001 2002 2003
Source: iFG, Forrester, BCG, Strategy Analytics
Note: Model built category by category for 8 major markets in Western Europe and extrapolated for rest of Europe
1. Forrester: Figure generated from bottom up analysis category by category, based on number of mobile Internet users and product amenity to purchasing via WAP
2. BCG: Includes micropayments for content, applications, music and value added services downloaded to the device via the network.
3. Penetration of prepay top ups over the network will grow from 0% in 2000 to an average of 25% in 2003
Appendix - Market Overview
The Global Market: Another View
rWorld
rWorld
500B
$17T
1% 0.75% rWorld
rWorld
$4B
$170B
eWorld
50B 2% eWorld
$1B
eWorld
$120B
10%
eWorld
$12B mWorld
150B
Annual 6% mWorld
mWorld mWorld $10B
100% Growth
$40B $40B @ 50%
Global mCommerce mCommerce Transaction Payment Proc
mCommerce
Consumer $ Volume Transaction Fee (%) Revenues
Affinity
Spending Volume 2005
Rate (%)
2005
4