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Paving The Road to Mobile Commerce Through The Cloud Paul Coppinger, President, Apriva

Paving The Road to Mobile Commerce Through The Cloud Paul Coppinger, President, Apriva. Social Mobile Payments: Americas Conference . Lots of Definitions; Little Definition. M-commerce Has Become a Catchphrase To Describe A Variety of Services Payments

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Paving The Road to Mobile Commerce Through The Cloud Paul Coppinger, President, Apriva

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  1. Paving The Road to Mobile Commerce Through The Cloud Paul Coppinger, President, Apriva Social Mobile Payments: Americas Conference

  2. Lots of Definitions; Little Definition • M-commerce Has Become a Catchphrase To Describe A Variety of Services • Payments • Card-based, Currency-based, Proprietary credits • Marketing (Advertising, Located-Based Services) • Fulfillment (Ticketing, Coupons) • Loyalty • Definitions—and Capabilities—Change Vendor By Vendor

  3. The Technology Conundrum • Emerging Innovations May Actually Inhibit Adoption • Requires Significant Investment from Merchants • Forces Consumers to Shift Relationships and Behaviors • Limited Feature Set = Limited Choices • Security Remains A Big Question Mark • As a Result, Phone Manufacturers Remain Hesitant • No NFC in the iPhone 5!

  4. Back to Basics • For mobile commerce to become a factor, certain realities need to addressed: • Is there a compelling need? • Are we fixing a problem? • Is it easy to deploy? • Is our solution piecemeal, or comprehensive?

  5. What Do Merchants Really Want?  Merchants Want Consumers…Especially Loyal Consumers!

  6. What Do Consumers Really Want? • Consumers Want Convenience, Flexibility…and Appreciation!

  7. What Do Financial Services Stakeholders Really Want? An Opportunity to Participate! • Must support multiple players, partners and card types (choice) • Payment forms • Processing platforms—open & closed loop • Wireless networks • Financial Institutions

  8. M-Commerce Should Be Inclusive, Not Restrictive • Dynamic interaction between sellers and buyers • Easy opt-in, management and fulfillment • Complete breadth of services • Secure and reliable • Flexible to support all infrastructures and form factors The Only Way Is Through the Cloud…

  9. An Open and Thriving Ecosystem • Any Presentation Method • MSR, EMV, NFC, and beyond • Works with existing POS Systems and Devices • Easy enrollment, opt-in, and redemption at POS • Enhanced security and flexibility

  10. More Than Payments • Use of location-based services: • Relevant, timely couponing • Targeted offers • Advertising • Rich media experience • Integration with Social Media • Mobile Marketing…

  11. Breaking Down Barriers Solutions Should Satisfy Broad Merchant Needs • Tier 1 through Tier 4 • Brick and mortar, M-Commerce and E-Commerce • Tailored to meet specific merchant requirements • Support multiple payment forms • Expanding reach via Social Media • Low cost of entry

  12. How Do We Get There?

  13. Cloud-based Platforms Are The Best Option • Multiple services that can be tightly integrated • Customizable • Payment and Technology agnostic • Credit, debit, gift cards, SMS, ACH, Closed Loop Currency • MSR, EMV, NFC, and beyond • Secure and compliant • Low cost of entry • Maximizes choice for merchants/consumers • Leverages the current infrastructure • You Don’t Have to Wait!

  14. The Apriva Cloud-Based Ecosystem (Mag stripe, EMV, NFC) Evolutionary, Not Revolutionary…

  15. Paving The Way To M-Commerce Through the Cloud • It’s All About Choice • Integrated services that can be customized • Much more than payments • Technology neutral to serve all merchants and consumers—today and tomorrow • Lower cost to entry entices merchants • Superior flexibility, security and adaptability Don’t Let Technology Limit Your Business!

  16. Thank you!

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