1 The impacts of m-payment on financial services Novembre 20112 3rd largest European postal operator by turnover The most diversified European postal ...
The most diversified European postal operator with 3 business lines
2010 Turnover
Mail 52%
20,9 billions € A major economic player
• 276 755 employees at the end of 2010 • 100% of its activities open to competition • 15.2% of turnover international
is
La Poste, a corporation with 100% public capital since March 1, 2010
La Banque Postale
Parcel Express
24%
23%
Retail, Property and Head of the Group
Mail 149 M€
• La Poste is held by the State and the Caisse des Dépôts et Consignations (French public investment organization)
• The CDC holds 26% of its capital • A € 2.7 billion increase in capital
Présentation de la Stratégie du Groupe Direction de la Stratégie du Groupe
784 M€ Parcel Express 336 M€
-431M€
La Banque Postale 730 M€ 2010 Operating Results
Confidentiel
60% of the mankind has a mobile phone
99,7% 92,1%
« The average man »
% adoption France - 2010
4,800
A chinese man, 28, with a mobile phone, but no bank account
1,200
2003
2013
Number of mobile phones WW (millions of units)
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Confidentiel
Payment instruments
1130
m-payment
Cheques
Other
Credit transfer
37
Credit card Direct debits
2009
2014
M-payment WW ($ billions)
Europe - 2009 Présentation de la Stratégie du Groupe Direction de la Stratégie du Groupe
Confidentiel
The 3 types of m-payment Market share 2009
Market
Examples
2014
77%
Text2pay
59%
(SMS/MMS)
5 billions users
Application
7% 4%
1billion users (2014)
NFC
37% 16%
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Roll out from 2011
Confidentiel
Near Field Communication
2015 : 53% of the smartphones will have a NFC chip.
In 2015, NFC payments will reach € 112 Billions
To pay, just move your mobile phone in front of the NFC terminal
80 millions e-wallets, 420 000 retailers with NFC terminal But less than 20% uses m-payment
The NFC experience in Nice (France) started in spring 2010. As of today, less than 1% of the citizens are client.
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Confidentiel
M-payment : why ?
Retailers
• Quick payment (less queuing)
Customers
• Easy to use
• Low commissions
• Real time access to their accounts
• New marketing channel
• Secured transactions
• Loyalty program
• Low commissions
• Withdraw money from cash machines with the mobile • Have a unique support for all loyalty programs
• Cross border payments • Micro payments using twitter/paypal
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Confidentiel
Tourism 16 tourist sites are equiped with NFC chips
Transportation • 1500 places with flashcodes to buy tickets • Ticket purchase & validation on NFC terminal
Loyalty program • • • • •
La croissanterie Loyalty avenue Tape a l’oeil Game Carte magique
M-payment 3 partnerships with banks
Présentation de la Stratégie du Groupe Direction de la Stratégie du Groupe
Confidentiel
M-payment projects
Cityzi Cityzi
USA -Europe • 10 millions users • 70%-100% banking rate
Japan • 28 millions users • 99% banking rate
• Boku • ISIS
Africa
India
>27 millions users Orange money
NTT NTT Domoco Domoco
• <1 million users • 45% banking rate
5% banking rate
•• M-Pesa M-Pesa •• Airtel Airtel
Présentation de la Stratégie du Groupe Direction de la Stratégie du Groupe
Confidentiel
SMS services • • • •
Money deposit & withdrawal Money transfer Bill payment Airtime purchase
Results • 9 millions M-pesa subscribers : 40% of adult people • 11% of Safaricom revenues
Kenya
• Annual D&W : $ 8 billions • 40 millions people • 14 millions Safaricom subscribers • GDP : $ 32 billions • 10% bank rate Présentation de la Stratégie du Groupe Direction de la Stratégie du Groupe
Confidentiel
New powerful players in financial services
Mobile Manufacturers
Mobile operators NTT DoCoMo, Safaricom, Orange, AT&T, …
Retailers
Payment service providers
Présentation de la Stratégie du Groupe Direction de la Stratégie du Groupe
