DIMOCO trend update: more 1-click payment revenue in countries with higher smartphone penetration rate

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Top smartphone countries

One of the incubators of carrier billing is the smartphone penetration rate. So, the higher the smartphone volume, the greater the potential to generate revenues from 1-click payment using the mobile channel. BUT: The beauty of carrier billing is that billing digital content can be also done on feature phones. Find out more about the carrier billing market potential and download your free copy of the DIMOCO & Juniper Research white paper: “The future of carrier billing in Europe 3.0”: http://www.dimoco.eu/publications.html

DIMOCO France Mobile Operator Payment Special

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140313 DIMOCO country update-01   With France DIMOCO publishes the third edition of its mobile operator payment country special. A mobile handset penetration rate of 98.4 percent compared with credit card ownership of 37.5 percent shows enormous potential when it comes to billing digital content via mobile operator payment. A fact that is also reflected in the development of value added data services: According to ARCEP, an increase from 196 million Euros in the fourth quarter 2012 up to 226 million Euros in the fourth quarter 2013 was measured. This represents an annual growth rate of 15.4percent and includes premium-rate services such as various data and push services, e.g. chat rooms, weather forecasts, TV game shows, horoscopes,

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ringtone downloads and corresponds to all amounts billed to customers by operators, including out payments from operators to service providers. At the same time the number of value-added data service messages decreased from 209 million messages in Q4/2012 to 183 million messages in Q4/2013 – representing a decrease of 12.6percent. “More and more payment transactions are made through direct carrier billing”, says Gerald Tauchner, explaining the trends in the mobile operator payment industry.   Digital content can be billed using three billing types and up to a tariff range of 30 Euros The DIMOCO country special reveals mobile operator payment specific data and gives insights into the French market. In France, billing digital content is possible with all four mobile network operators: Orange, which has a market share of 44.2%; SFR, the second mobile network operator in the country with a market share of 34%; Bouygues Telecom (17.7%) and Free Mobile (4.1%). Three different billing types are available on the French market: Besides premium SMS and direct carrier billing, mobile network operators also offer ISP (Internet Service Provider) billing. While “SMS+” stands for the French Premium SMS Billing Solution, “Internet + Mobile” is the Direct Carrier Billing Solution and “Internet + Box” is the well-known, commonly used billing interface where consumers are charged via their Internet Service Provider (ISP) in France. “Including ISP billing in their portfolio is rather specific to the French market, but expands our business customers’ reach”, comments Gerald Tauchner. The payment method is well-known and commonly used in

France.   Mobile operator payment flows in France Digital content on the mobile and the web channel can be billed as one-off and subscription services and up to a tariff range of 30 Euros. Via mobile operator payment DIMOCO provides a by the mobile operator managed Web TAN opt-in process where a unique SMS pin code is entered on the payment page. Via ISP billing and additionally to the mobile operator payment process the consumers has to login with his username and password the first time.   140624 France_Digital You can download the poster here

A2P SMS growth in 2013, 2014 and beyond

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At the end of 2012, 83 percent of worldwide SMS traffic was P2P messaging, and A2P/P2A traffic made up the remaining 17 percent. Although P2P still dominates global SMS markets, it is a diminishing segment of the total market, whereas A2P SMS represents a strong growth market, in all regions worldwide, with a strong future. With the increasing focus on mobile banking, mobile payments and mobile health etc., we believe that the contribution of the A2P/P2A category will increase over the next five years. According to our forecasts, close to a quarter of total text messages will either originate from or terminate at an application server by the end of 2017.

Currently, around the world, we seem to be witnessing an uptake in enterprise use of SMS, as a customer service tool, a customer engagement tool, a service delivery function and as an activation and authentication mechanism.

 

The more Enterprise SMS services I hear about, the more I am prompted to look into the growing world of A2P SMS use cases. For MNOs, carriers, aggregators, service providers and service enablers in all sectors, it stands to reason that if a company has a relationship with an enterprise customer to provide even just one service using SMS, then there will likely be further use cases within that same enterprise.

Carriers, service providers, messaging vendors and aggregators can deepen relationships with existing customers, building on trust and selling in further SMS-based services to that enterprise.

Here at Portio Research we have been looking at an ever-increasing number of enterprise uses for SMS. Most people in this industry can list a few, but increasingly there are more and more use cases for A2P SMS in the enterprise sector. Now let’s take a look at what’s been going on in 2013 and 2014.

 

Increasingly, SMS is being utilised as a communications tool at all stages of the enterprise communications cycle.

We are seeing A2P SMS now rolling out within all areas of the enterprise:

–       Internal communications and logistics

–       Supply chain and supplier communications

–       IT and security

–       Orders and passwords

–       Customer confirmations

–       Operations and delivery logistics

–       Customer service

–       Service appointments and reminders

–       Relationship management

–       Upsell and marketing

 

SMS is now used in way more enterprises that we might have imagined just a few years ago. Even small companies now use SMS as a tool to communicate with their customers. We’ve seen taxi companies sending ‘Your taxi is arriving in 1 minute’ alerts to customers, and we’ve seen theme park operators offering ‘find the shortest queue for a ride’ SMS alerts. SMS use is widespread in travel and tourism, for reservations, ticketing, bookings, airport boarding cards, itinerary changes and security notices.

SMS is common place for TV voting on game shows, SMS is now being used for political campaigning, for delivery of booking confirmations, theatre tickets, dinner reservations and online order confirmations. Friends and family can follow their loved ones running a marathon with text alerts telling them as runners pass certain check points and city landmarks, and SMS is broadly used by OTT messaging apps (and many other apps) as a channel for order confirmation, to invite friends to join and to authenticate and activate a download.

 

The ubiquity of SMS

In many markets worldwide, including most of Europe, the US and Canada, Australia, New Zealand, Japan and many other countries in Asia, in Mexico, South Africa and markets in all regions, A2P SMS seems to be rapidly gaining acceptance as a key enterprise communications tool. The sheer ubiquity of SMS, now in the hands of around 6 billion human beings, means enterprises have a cheap, quick, simple communications option that is broadly acceptable to all consumers in all markets.

Consumers are very comfortable with using SMS, it’s been around for over 21 years now and it’s widely accepted as one of the cornerstones of mobile device use. We expect A2P SMS to continue growing over the next few years, as more and more enterprises switch on to the many possible uses of SMS within the organization.

 

Karl Whitfield is the Founder and Managing Director of Portio Research Ltd, a UK-based boutique research agency and the market leader in mobile messaging research. He focuses on SMS, MMS, OTT messaging apps and the ‘battle of our time’ between SMS texting and OTT messaging apps, such as WhatsApp, Pinger, Viber, iMessage, LINE, WeChat, KakaoTalk, Skype, Facebook and Kik messenger. 

Karl has been leading Editor and Contributing Writer on the Mobile Messaging Futures annual research report for the last 8 years, and as such he is widely regarded as a world-class authority on SMS, OTT messaging apps, MMS and the competing markets between SMS and OTT messaging services. 

Additionally, Karl has knowledge of handset markets, smartphone adoption, mobile apps usage, mobile payments markets and regional subscriber growth around the world. Karl has been actively tracking these markets for 16 years, and Portio Research has been publishing research on mobile messaging markets since 2003.

DIMOCO Trend-O-Meter result

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140403 results Trend_O_Meter

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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.

1 billion consumer using mobile payments

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130725 1 billion consumer using mobile payments

Portio research says: “Mobile payments is clearly a fast growing space, and in the next two years there will be 1 billion consumers worldwide engaging in making mobile payments. The “Mobile payments 2013 – 2017” report covers mobile e-commerce, the purchase of digital goods through in-app purchase, mobile banking and mobile remittance. Source: Portio Research

Portio research forecasts a growth of 410 billion USD in mobile payment

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130718 portio research forecasts 410 billion usd in mobile payment

According to the market

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research company “portio research” the worldwide mobile payment volumes reached 81.3 billion USD in 2011 and 202 billion USD in 2012. For this year the company forecasts growth up to 410 billion USD for the comprehensive mobile payment market, also including mobile wallet, NFC, mobile banking and remittance services. Source: Portio Research, Market & Research

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