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

 

Graph 9-1: iTunes Annual, Weekly and Daily Usage Penetration: By Cell Phone Owners, Cell Phone Data Plan, Android and iOS Users, App Downloaders, Tablet Owners, and Online Bankers, 2012

 

 

Google Wallet

 

Wallet 1.0: lots of fanfare; little success

 

Wallet 1.5: putting it in the cloud

Calling all cards

 

Save to Wallet feature

 

 

Online/offline integration: Enter the virtual prepaid card

Online purchases: ubiquity, courtesy of MasterCard

 

In-store purchase limited by NFC

 

Security enhancement

 

Wallet 2.0: Leapfrogging NFC with a physical card

 

Thank you, Discover

 

The interchange issue: Google loses on transaction revenue

 

 

Facebook

 

Direct to carrier billing payments strategy; digital content focus

Providing opportunity for Facebook App Center

 

15% of revenue from payments

 

Mobile active users set to top 500 million

 

Graph 9-2: Facebook Mobile Active Users and Average Revenue Per User, 2011-2012

 

 

Groupon Payments

Very attractive pricing

 

 

LevelUp

The best pricing: no interchange

 

Incentive programs, merchant partnerships and user base

 

LevelUp makes its money from added-value analytics

 

Merchant-driven customer discounts

 

Addressing security concerns

 

Table 9-10: LevelUp Security Summary

 

 

PayPal

 

Bill Me Later

 

Zong

 

100 million accounts and counting

 

The PayPal P2P usage base

 

Online and mobile capability

 

PayPal Wallet

 

PayPal Here: POS solution

 

The Discover network connection

 

The card you use to pay matters: lower interchange = better for PayPal

 

Location-based mobile advertising

 

Addressing fraud

 

Square, Inc.

 

How much it costs

Table 9-12: Square Pricing Options and Fees

 

 

How it works

Open tab feature

 

Loyalty tracking

 

Security

 

 

Tools

Square Card Reader

 

Square Register

 

 

Starbucks breaks it wide open

Starbucks

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