DIMOCO´s and Juniper´s White Paper: The European Digital Content Market

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140508 DIMOCO Trend Update-01
We can see that the European market for digital content is expected to increase from an estimated €15.8 billion in 2012 to just under €29 billion in 2017. As might be expected, the largest proportion of spend occurs in Western European markets throughout the forecast period, rising marginally from 89.5% in 2012 to 90.4% in 2017.

 

In both regions, revenue growth is being driven primarily by the consumption of content on a rapidly expanding installed base of smartphones and tablets; indeed, for streamed music and full-track downloads, we also envisage significant migration of content monetisation from the desktop to

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the mobile device, with the result that PC revenues for music – in Western Europe at least – will diminish over the forecast period.

 

Throughout the forecast period, the largest contributor to digital content is expected to be Games. Here PC revenues are expected to be fuelled both by a continued transition from physical copies to downloads, allied to the increased monetisation of ‘casual’ games throughout the game lifecycle. Valve’s Steam platform (which distributes games and media online) and EA’s digital sales platform Origin have both attracted over 50 million users worldwide, including significant user bases across Europe. Meanwhile, adoption of casual gaming has soared – in large part catalysed by the emergence of gaming across social networks – and in-game purchases, for several years a cornerstone of gaming revenues in markets such as Japan and South Korea, has increasingly been exploited in Western Europe and North America. On smartphones and (particularly) tablets, the greater device performance levels and graphical capabilities has resulted both in the development of new revenues and – to an extent – of cannibalisation of a plateauing dedicated gaming handheld market.
Video comprises the second-largest revenue

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stream, and is expected to experience particularly strong growth given the increased trend towards VOD from players such as Lovefilm and Netflix at the expense of DVD. We would also anticipate that, over the course of the forecast period, online VOD services will been deployed (and gain traction in) most European markets which had yet to introduce them. While the majority of smartphones are still perceived as possessing screens which are too small for the viewing of a full-length movie, that is not the case with phablets/tablets which are increasingly becoming used as a primary viewing device. (Nevertheless, as we observe below, smartphones – in addition to their increasing usage as a video ‘snacking’ tool, are also utilised within a home multiscreen experience to an ever greater extent).
While total digital music revenues are expected to see steady growth, bolstered by greater adoption of subscription-based streamed services – particularly on smartphones and tablets – the content sector which is expected to experience the strongest increase is eBooks. In most European markets, eBooks currently account for well under 3% of net sales – the UK is a notable exception, at 12% – but the percentages are rising sharply. Increasingly, adoption is occurring on tablets, rather than on dedicated eReaders. Indeed, given that the value of annual Western European book sales (physical and digital) is currently around €28.5 billion, and assuming the overall value of the market remains broadly flat, then we do not believe that our assumption that eBook sales in the region will reach just over €3.2 billion by 2017 (or 11% of the total) is in any way excessive. In Central/Eastern Europe, where tablet adoption remains relatively low, the market is much more modest, with sales not expected to exceed €50 million annually until after the end of the forecast period.

 

If you are interested in more details you can download DIMOCO´s White Paper here

DIMOCO and Juniper´s White Paper: Paying for digital content

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140508 DIMOCO Trend Update-01 At the present time, the overwhelming majority of digital content is billed via credit card. This is now almost as true on the mobile as on the desktop: the emergence of a content ecosystem centred around app storefronts rapidly eroded the pre-eminence of PSMS (Premium SMS) billing. However, this reliance on credit card billing in turn means that opportunities for content monetisation are being missed. In Figure 2, we have listed the proportion of adults in selected European markets who own credit or debit cards. We can see that, while in several major European markets (Germany, Netherlands, Sweden, UK), the percentage with debit cards approaches or exceeds 90%, in others (Italy, Poland, Romania, Russia, Serbia, Ukraine) less than half of adults are in a position to pay for digital content via

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a debit card. Credit card ownership is even lower: only in two European markets (Sweden and the UK) do more than half of adults own credit cards.   When these percentages are applied to the adult population, the limitations of credit/debit card billing are exposed: more than 283 million adults across Europe do not own a debit card. While the majority (66%) of individuals without debit cards live within Central & Eastern Europe – with four markets all having in excess of 20 million adults without such cards – this still means that more than 90 million Western European adults are unable to pay for digital content via cards, of whom more than one-third live in Italy.   If you are interested in more details you can download DIMOCO´s White Paper here

DIMOCO and Juniper´s White Paper: The Multiscreen Opportunity

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140508 DIMOCO Trend Update-01 Due to the ubiquity of Wi-Fi in the home – and increasingly in restaurants, retail outlets and on public transportation – together with the ongoing deployments of 4G LTE networks, connectivity is becoming seamless. These developments – occurring in tandem with the surge in adoption of consumer smartphones and tablets – mean that those consumers are now in a position to purchase content on one device (eg the smartphone) and then access that content on a host

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of other connected devices: tablet, laptop, PC, TV. With content increasingly stored in the cloud, that content can be synched across (and pushed to) multiple devices. Indeed, in the case of some content (such as an eBook, or some video content) consumers can now begin reading/watching on one device and pick up where they left off on another.   If you are interested in more details you can download DIMOCO´s White Paper here

Report Mobile Operator Payment Field Test in Germany

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Germany mobile payments test_Web&Blog

PAYMENT VIA CELLPHONE NUMBER – PROVIDER PAYMENT FIELD TEST By Maik Klotz   I dedicated almost a week to the topic provider payment. Provider payment means that payments are made via the cellphone bill. The cellphone number acts as authentication and the sent TAN number legitimizes the transaction. The latter is often not even necessary for purchases made directly on the smartphone, e.g. from Google Play Store. This payment method has been in use for many years, mainly to sell mobile games or ring tones. But not only that – in some German cities, parking vouchers can also be purchased via provider payment. Today, this payment method is extremely popular for purchasing digital content such as newspaper articles.   Unlike during my previous test to examine mobile payment in the retail business, no one came to any harm this time and everything worked. End of story.   No punchline, either. Payment worked perfectly for the most part and in my case, I was always billed correctly. Although there are reports on the Net about users experiencing differently, in my test there were no problems whatsoever (and I hope it stays that way).   Everything OK? The procedure is technically flawless. There is nothing to criticize on that score. But where there is light, they say, there must be shadow – and

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this is the case with provider payment, too.   Whenever I was prompted to enter my cellphone number to make a payment, I felt uncomfortable. Admittedly, the feeling was a subjective one, but when I asked round, my friends said they felt the same. The main argument against paying by cellphone number is the fact that the cellphone number is considered part of one’s private sphere, and one fears that unauthorized payments could be made with that number. This is a problem in general for this payment method. This fear is not entirely unfounded, as amendments to the German Telecommunications Act show. These are to protect consumers from unauthorized transactions by means of the so-called third party supplier stop. Once activated, no payments can be made anymore via the cellphone bill until the consumer activates it again.   If no such stop is activated, purchases are billed with the cellphone bill. If the mobile service provider does not provide access to the connection log, one has to wait until the end of the transaction to see if the amount was correctly billed via the cellphone bill.   The advantage of provider payment is its simplicity and anytime-anywhere availability. Whether you are using a smartphone or a Nokia dinosaur, provider payment works regardless of QR codes or NFC. But payment is about more than just technology.Trust plays an essential role.   The established payment provider suppliers have built up this trust over years, some more and some less. Compared with this, provider payment is like a black hole. There is no communication whatsoever, no contact person, no consistent image or information about even where one can use provider payment. A common interface to the customer is missing. Every other payment method is easily recognizable, even if it’s just a logo. It is a bit puzzling why there is nothing similar for provider payment. Similarly, there is no customer portal in which all purchases are itemized, no telephone number to call to stop provider payment or to fix a limit. With an app for the smartphone equivalent to a customer portal. A single, superordinated wallet, not another new insular solution. Considering that provider payment does not appear in a favorable light where trust is concerned, this is a grave omission.   Conclusion Provider payment, or cellphone payment, is technically flawless, fast and easy to use. However, it lacks a brand, it lacks „one face.“ There is no visible support service, no one to call, no customer platform. Payments are made – the money is gone – and the payment transactor moves invisibly behind the curtain. This „secret personality“ is what makes provider payment appear difficult. Provider payment suppliers should also try to protect users from possible abuse and advertise the advantages of this method. Provider Payment suppliers should also set up a unified standard and a single communication channel to protect consumers from abuse and to demonstrate the advantages of this payment method.

Rise of non-cash payments is a sign of interconnected lives

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130704 AT Kearney Study

“Global non-cash payments volumes are expected to top 333 billion transactions in 2012 after transactions grew by 8.8 percent in 2011, according to the latest available data from the World Payments Report 20131 published by Capgemini and RBS.”

 

“The unabated rise of non-cash payments is a sign of the interconnected lives we live today. With estimates showing 8.5 percent growth in 2012 non-cash payment transactions, that’s nearly 47 transactions per year for every man, woman and child on the planet. In the developing markets, mobile payments are giving more

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people access to financial transactions, while customer-centric innovation has helped prepaid cards and virtual currency gain traction in the more developed markets,” said Kevin Brown, Managing Director, Global Head of Transaction Services, RBS International Banking.

  The report is available for download at www.worldpaymentsreport.com Source: Press release by Capgemini, 16th September 2013

Portio Research gives insight in the mobile payment user base and penetration worldwide

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Portio Research gives insight in the mobile payment user base and penetration worldwide

“At the end of full year 2012, there were 480 million mobile payment users worldwide; this number is expected to cross the 1 billion users mark by the end of 2015. Thereafter, the figure is expected to continue increasing, reaching nearly 1.5 billion users by end-2017. The figure highlights the number of mobile payment users worldwide and their penetration between 2010 and 2017. As seen in the figure above, worldwide penetration of mobile payment users is forecast to increase from under seven percent in 2012, to nearly 20 percent by the end of 2017.” Source: Portio Research Ltd.

2 trillion USD Mobile Payment Volumes by end of 2017

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130814 2 trillion USD Mobile Payment Volumes by end of 2017

Portio Researchs says: “Volumes are expected to grow at a very impressive CAGR of 59 percent over the period 2012-2017, breaching the USD 1 trillion mark by end of 2015, and the USD 2 trillion mark by the end of full year 2017. The figure depicts mobile payment volumes for the period 2010-2017.

Reminder of definition: Mobile Payment Volumes – volume of purchase of goods and services, and utility bill payments made through mobile devices annually, for the period 2010-2017, expressed in USD Billion. This is not the revenue made by the providers of mobile payment services (MNOs, third-party wallet providers), whose revenue is typically a very small percentage of the total payment volumes.” Source: Portio Research Ltd.

Portio research mentions DIMOCO as key player in their recent study

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Mobile Payments Report, (c) Portio Research

Portio Research has published its 3rd mobile payments report. Besides analyses and forecasts for the worldwide mobile payments market, DIMOCO is mentioned as an industry leader. “Mobile Payments 2013-2017” shows a detailed analysis of international mobile commerce markets, case studies and vendor profiles give readers an even deeper insight. Source: Portio Research

Study confirmed smartphone billing as an opportunity for new revenues

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130704 AT Kearney Study

Following a recent study by AT Kearney, Europeans will pay more with non-cash payment methods: The number of cashless payment transactions in the 27 EU countries will increase from about 90 billion at the moment to about 175 billion by 2020. This represents a growth of 8 per cent per year.
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