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Mobile And Alternative Payments In The U.S., 3rd Edition

 

Data-driven feature usage is smartphone dependent

 

Strong feature-driven user base for mobile payments providers to target

 

Table 4-3: Feature Usage, Phone Bill and App Download Frequency: Smartphone Users

 

vs. Non-Smartphone Users, 2012

 

25-34s drive usage, but internet, text and e-mail penetration implies broad target population

 

Table 4-4: Smartphone User Feature Usage, Phone Bill and App Download Frequency: By Age Bracket, 2012

 

Usage consistent across incomes despite significant billing differences

 

Table 4-5: Smartphone User Feature Usage, Phone Bill and App Download Frequency: By HH Income, 2012

 

 

Chapter 5: Mobile Banking Trends

 

Summary analysis

 

Mobile bankers

 

25-34s and non-whites pivotal demographics

Table 5-1: Mobile Banking: Usage Penetration, 2012

 

 

Mobile banking features and services

Almost 50 million using phone to check account balance/recent transactions

 

Remote check deposit is quickly gaining traction

 

Table 5-2: Mobile Banking Features and Services Usage Penetration and Population: U.S. Population, Mobile Phone and Smartphone Users, 2012

 

 

Mobile bankers = smartphone users

Table 5-3: Mobile Banking and Mobile Banking Frequency: Mobile Phone, Smartphone and Non-Smartphone Users, 2012

 

 

Chapter 6: Mobile Payments Trends

 

Summary analysis

 

Mobile payers

 

Gaining a foothold

Table 6-1: Mobile Payments Usage Penetration, 2012

 

 

But marked by infrequent use

Table 6-2: Mobile Payments Per Month, 2012

 

 

Mobile payment methods

Bill payment has widest usage footprint

 

P2P taking hold

 

1 in 10 tapping phone at POS; using virtual wallets

 

Table 6-3: Mobile Payment Methods, 2012

 

It's a generational issue more than a financial one

 

Table 6-4: Mobile Payment Methods: Analysis by Gender, Age and HH income, 2012

 

 

Payment cards prevailing funding option, followed by bank account and PayPal

Table 6-5: Mobile Payments Funding Sources, 2012

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