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One Wallet, or 100?

One Wallet, or 100?. Barbara Ballard C-SAM . C-SAM. White label, enterprise grade, mobile wallet platform Mobilize diverse ecosystems All mobile OS All connection technologies Launched 1998. International Presence. EUROPE. JAPAN. USA. GLOBAL PARTNERS & RESELLERS. APAC. INDIA.

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One Wallet, or 100?

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  1. One Wallet, or 100? Barbara Ballard C-SAM

  2. C-SAM • White label, enterprise grade, mobile wallet platform • Mobilize diverse ecosystems • All mobile OS • All connection technologies • Launched 1998

  3. International Presence EUROPE JAPAN USA GLOBAL PARTNERS & RESELLERS APAC INDIA LATAM 3

  4. Early days of mobile wallet

  5. Wallets?

  6. Typical questions • What technology will win? NFC? • Google or Isis? • Future of NFC secure element? • What is the killer app for wallet? • How do we encourage adoption?

  7. Evolution of payments

  8. Why evolve?

  9. Convenience: carry fewer cards? • Credit • Debit • Loyalty • Winners: • Starbucks • Google Wallet • Insufficient merchant acceptance

  10. Convenience: transaction speed? • Unlock phone • Launch app • Enter PIN • Select coupons • Tap/scan/show • Winners • Complex transactions • Leverage queue time • Not there yet.

  11. We are still supporting mostly early adopters Successes are due to the fact that the phone will be carried with customers regardless

  12. Moving towards mass market Value for consumers & merchants

  13. Fewer cards, redux • Add in … • Transit cards • Gym cards • ID • Health records • Building access cards • Advantage: Passbook

  14. Transaction speed, redux • Bypass POS • Apple store, some Walmart • Accelerate app security • Face/voice recognition • Square “open a tab” • Bypass app launch • Fingerprint authenticate at lock screen • Advantage: retailers • Advantage: Google • Advantage: Apple

  15. Convenience: unification • One wallet for online & offline purchases • Scan web site bar code to pay • Transaction history • Pay anyone • Bills • Friends • Advantage: Google • Advantage: retailers • Advantage: financial institutions

  16. Value: enhanced shopping • Be as known in physical store as when visiting amazon.com • Personalized offers/promotions • Saved order history • Loyalty balance • High touch experience via tech • Social shopping • Does this look good on me? • Pinterest for purchases • Gift registries • Honey-do lists • Advantage: retailers

  17. We are doomed to 100 wallets But we can make it better

  18. Wallet-enabled apps • Centralized wallet services (Isis, Google, etc.) • Serve as clearing houses & identification management • Largely run as they are now • Separate application • Enable apps to authenticate to the wallets • Like Google Wallet or Paypal as payment method online • Users pick 1-3 general wallets based on trust • Merchants enable all major wallet providers

  19. We do something like that

  20. The C-SAM Lifestyle Container Leather Metaphor Wallet Health Care Providers Government Merchants Financial Institutions Telco Service Providers Ecosystem Aggregator Lifestyle Container Seamless integration of technology to provide rich user experience RFID NFC QR Codes Tags Bluetooth Augmented Reality Geofencing Phones Push Posters Tablets Calendar Bar Codes Location Maps Kiosks POS Camera

  21. 100 Wallets

  22. One wallet (platform) Multiple Handsets Multiple Secure Elements Multiple Payment Channels • Embedded • SWP SIM • MicroSD Proximity Cloud Mobile Wallet Platform • mBanking • mPayment • Loyalty • Ticketing • P2P • Top-up • Coupon • ….. Financial Services Retail Healthcare TSM TSM Multiple Services Multiple Providers Multiple MNO/ TSM

  23. Thanks! @c_sam_inc http://www.c-sam.com @barbaraballard Barbara.Ballard@c-sam.com

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