摘要

Using mobile handsets to accomplish financial transactions and purchases is starting to appear as something inevitable in the worldwide marketplace. However, In-Stat does not believe that 2008 will be "the year of mobile payments." It may not even qualify as "the year of trials of mobile payments." However, there is evidence that the US market may overcome a crucial issue—technology incompatibility—and make progress toward contactless payments using cellphones.

The key enabling technology will be near field communications (NFC) chips deployed into handsets as well as in merchant payment terminals.

This report includes a review of recent progress in deployment of financial services in cellphones and includes brief profiles of many of the companies involved with bringing those services to the market, particularly in the US.


This report is important for any company considering offering mobile payments and mobile financial services including operators, handset vendors, application developers, and semiconductor makers.

目录及图表

Executive Summary

Introduction

It’s Working in Japan

Conditions in the US May Be Improving

There Have Been Failures

The Vision for Mobile Wallet

Contactless Payments

Expanded Shopping and Purchases

Mobile Banking and Transactions

Content Discovery and Other Functions

Identification

Personal Payments, Transfers, and Remittances

Companies, Practitioners, and Initiatives

Mobile Operators

SWOT Analysis, Mobile Operators

AT&T Mobility

NTT DoCoMo

KDDI

Cellular South

Verizon Wireless (US)

Sprint Nextel

Trusted Service Manager/Application Provider

SWOT Analysis, Trusted Service Manager/Application Providers

PayPal

Firethorn Holdings

Obopay

mPoria

ClairMail

mFoundry

Hardware and Semiconductor Vendors

SWOT Analysis—NFC Hardware and Semiconductor Vendors

ViVOTech

Moversa

INSIDE Contactless

SIM Card Vendors

Merchants

Industry Groups

Global Mobile Money Transfer (GSM Association)

Pay-Buy-Mobile (GSM Association)

Consumer Attitudes Toward Mobile Transactions

Conclusions and Forecasts—M-Commerce in the US

Strengths

Weaknesses

Opportunities

Threats

The Missing Link—Who Gets Paid?

Other Issues

Forecast

Mobile Financial Services (including Contactless Payments) Forecast—North America

Contactless (NFC) Payment Forecast—North America

Methodology

End-User Survey

Industry Research

Related In-Stat Reports

List of Tables

Table 1. DoCoMo Mobile Payment Options

Table 2. Merchants Participating in Cellular South NFC Initiative

Table 3. Barriers to Using Cellphone for Small Transactions

Table 4. Current Transaction Methods

Table 5. North American Mobile Financial Services Users

Table 6. North American NFC Transaction Subscribers
List of Figures

Figure 1. Forecast Subscribers to Mobile Financial Applications—North America

Figure 2. Mobile Wallet Components

Figure 3. Mobile Payment Ecosystem

Figure 4. Personal Payments Diagram—PayPal

Figure 5. Personal Payments Diagram—Obopay

Figure 6. mPoria Shopping Screen

Figure 7. Consumer Interest in Mobile Wallet Capabilities

Figure 8. Primary Benefits of Using Cellphone for Small Transactions

Figure 9. Primary Barriers to Using Cellphone for Small Transactions

Figure 10. Preferred Transaction Source

Figure 11. Mobile Financial Services Users—Expected Forecast

Figure 12. North American NFC Transaction Subscribers