Post on 13-Apr-2017
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Whatismobilewallet?
MobileWallet isaservicethatallowsuserstomanagedigitizedvalues(offers,coupons,rewardswithinloyaltyprograms,ticketing,boardingpasses,giftcertificates,ID-cardsorinformationaboutproductsandservices)of
differentbrandsandmakesitpossibletomakepayments(withbankaccounts,bankcards,and
electronicmoney)
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Mobilewalletfeatures
v Micropaymentsv Mobilecommerce
v Shoppingv Paymentstoserviceprovidersv Hotelsreservationand
paymentsv Entertainment
v E-ticketsv Urbantransportv Boardingticketsfortrains,
busesandplanesv Ticketsforevents
v Geolocation-basedoffersandservices
v Coupons,certificates,dealsandpromotions
v Loyaltyprogramsv Mobilestorev Moneytransfersv Personalinformationv Rewardsmanagementv Electronicprescriptions,etc.
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Usingmobilewalletwithinpromotionalcampaigns
• Instantcustomercheck-ininplaceofpromotion(foroff-line)byscanningtheQR-code
• GettingrewardedonlinebysendingbonusestobonusaccountthroughscanningaQR-code(onthepackage,withinthepackage,incertainplacesonthetradingfloor,ontheleaflet,catalog,etc.)
• Recordingchancestoparticipateinprizedrawingsinbonuswallet(oneQRcodereading=onemorechancetoparticipateinthedrawing)
• Onlinepromocommunicationwithcustomersviasmartphonepush-notifications
• Communicatingwithcustomersviamessengerbuiltinthemobilewallet
Possibilitiesofusingmobilewalletforpromotion
• Targetaudienceincludesownersandactiveusersofsmartphones(shifttowardsyoungerandwealthieraudience)
• Betterresponsivenessduringpromotionalcampaigns(allpromomechanicsworksinrealtime)
• Historization (theentirehistoryofinteractionswithinthepromocampaignisstoredandavailableforviewing)
• Unlimitedpossibilitiesforgamification(visualization,usingfeaturesofpersonalaccount)
• Personalizationofpromo(contactdetailsandweb-basedprofileofallpromoparticipantsisavailableonline)
Advantagesofusingmobilewalletforpromotion
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Mobilewalletisdesignedtomeettheneedsofthefollowingmarketsegments
v Banks,insurancecompaniesv Retailmerchants(stores)v Smallretailers(kiosks,markets)v Retailmanufacturersv Retailserviceprovidersv Cafes,bars,restaurantsv Fast-foodoutlets,coffeeshopsv Fuelstationsv Taxiservicesv Deliveryservicesv TVandRadiocompanies,holdingsv Politicalparties,tradeunionsandcivilsocietyorganizationsv Web-resourcesandonlinestoresv Organizersofexhibitions,fairs,festivalsandotherevents,closedorsemi-closedv Manufacturersanddistributorsofself-serviceterminals
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Advantagesofmobilewallet(1/2)
q Convenienceq Quickpaymentsfor
purchasesq Benefitsarealwaysathandq Usefulreminders(for
example,aboutvalidityofacouponthatexpiressoon)
q Geolocationtriggersq Dataanalysis
Forend-users Formarketersq Goodtrafficgeneratoroff-
lineq Increasedconversionrates
(forcoupons,messages,etc.)q Abilitytoupdatecontentand
offersinrealtimeq Lessexpensivemarketing
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Advantagesofmobilewallet(2/2)
Additionalearningsfromfinancialservices
Strengtheningthebrand–customerscontactyourbrandmorefrequentlywhileusing
thewallet’spaymentfunctionality
Reducingtheservicingtime
Growthofinnovationanddifferentiationfrom
competitorsthroughtheuseofuniquetechnologies
Increasedcustomerloyaltythroughtheintroductionormodernizationoftheloyalty
program
Growthinsalesofrelatedgoods
Forbusiness
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Benefitsoftheprojectfortheowners
1) Extrarevenuesfromallfinancialtransactionsviamobilewallet(paymentstoserviceproviders,buyingtickets,andcard-to-cardtransfers).Agencyfeesupto0.5%
2) Savingtimeandtransactionalcoststhroughtheimplementationofself-service3) Increaseinqualityofcustomerserviceandloyaltybyprovidingpartnersand
customerswithmodernandconvenientcommunicationchannelandpaymentinstrument
4) Increaseinoverallsalesandprofitgrowthasaresultofsalesinonlinestore.Onlinesalesaredrivenbyquickandeasyonlineauthenticationviathemobileapplication,possibilityofcustomersegmentation,andcommunicationon-lineviatheapp,aswellasbyinstantonlinepaymentswithcardslinkedtomobilewallet.
5) Extraincomesfromlending.Agentfeespaidbybankscanbeupto7%ofgrossloansissued.Theroleofthewalletoperatoristogenerateleads(loanapplications).Inaddition,thepossibilityofbuyingininstallmentscanboostsalesintheretailnetworkaswellasonlinesales
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Marketanalysis:drivers
Convenienceandaccessibilityoftechnology
Growingimportanceofvalue-addedservices
Security
Increasedlevel ofsmartphonepenetration
Growingcoverageandusageof3Gand4G
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Marketanalysis:stoppers
Habitsandstereotypes M-walletdependencefromasmartphone
batterylevel
Walletdependenceon3Gand4Gcoverage
Marketing– isthisnotificationorspam?
Investmentsandissuesrelatedtothemarket
launch
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Mobilewalletservices(1/4)
PossibilitytopayforgoodsandserviceswithVisaandMastercard cards,linkedtoawallet,withoutthephysicalpresenceofplasticcardbyreadingtheQR-code,generatedintheonlinestore,oranyexternalQR-code(onacheck,onaproduct,etc.)
Possibilityofquickauthorizationonthewebsite,check-inaretailstoreusingQR-codescanningwithsimultaneoustransferofinformationtoidentifytheclient
PossibilitytopayforgoodsandserviceswithVisaandMastercard cards,linkedtoawallet,withoutthephysicalpresenceofplasticcardbyreadingtheQR-codewithmobilephonebuilt-inscanner
PossibilitytopayforgoodsandserviceswithVisaandMastercard cards,linkedtoawallet,withoutthephysicalpresenceofplasticcardthroughreadingtheQR-codefromamobilephonebyscannerofanothermobilephone
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Mobilewalletservices(2/4)
Possibilitytomakearemotepre-orderinmobilewallet withcardpayment,followedbyavisittoastore,fastservicingprocedureandreceivingtheorder
Possibilitytoplaceanorderinmobilewallet withcardpayment,followedbyorderdeliverytotheaddressstoredinthecustomer’sweb-passport
Abilitytoself-serviceinastore,whenacustomerhimselfscansbarcodesofthegoodsusinghismobilephoneandpayswithabankcardlinkedtohismobilewallet
Possibilitytosubmitane-ticketatevents,exhibitions,fairs,tradeshowsandconcertswithoptiontowithdrawadmissionfee(ticketcost)fromthecardconnectedtocustomer’smobilewallet
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Mobilewalletservices(3/4)
Possibilitytosubmitadigitalloyaltycard fromthecellphonescreen;abilitytoaccrueandwriteoffbonusesortheiranalogues(dedicatedbonusaccount(bonuswallet)linkedtoacustomer’smobilewallet)
Possibilitytomakecard-to-cardmoneytransfers with mobilewalletwithoutenteringcarddetails(usingrecipient’sphonenumberfromacontactlistiflinkedcardsareavailable)
Thepossibilityofbuyingtraintickets(withacompletechoiceoffeatures)withpaymentbyacardlinkedtoamobilewallet
Possibilitytopayinfavorofserviceproviders(refillingmobileaccount,utilitypayments,paymentsforTV,internet,etc.)
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Mobilewalletservices(4/4)
Possibilityofapplyingforaloan.Incasetheapplicationisapproved,theloanfundscanbedepositeddirectlyonthecard,whichislinkedtomobilewallet.
Possibilitytolookuptheneareststorewithgeolocationservice.Acustomerseesthedistancetotheneareststoreanditsoperationhours
Possibilityofpersonalizedcommunicationwithcustomerson-lineinthewalletmessenger,aswellasabilitytosendpushnotifications(bothservicingandpromotional)
Digitizationofexistingloyaltycards,developingandlaunchinganewloyaltyprogram
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Howitworks (registration)(1/4)
AclientdownloadstheappfromGooglePlayorAppStore,registershiswalletandsetsthePIN-codeforquickandeasylogin1
Yourbrand
Yourbrand
Yourbrand
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Howitworks(registration)(2/4)
Themainmenuconsistsofwidgetsthatareconfiguredtotheneedsoftheclientbyhimself2
Yourbrand Yourbrand
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Howitworks(registration)(3/4)
EachwallethasauniquecustomerIDandcontainsaWEB-passportwiththerequiredpersonaldata3
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Howitworks(registration)(4/4)
Thecustomersentersthe"MyCards"sectionandaddshisownpaymentcardsbyenteringcarddetails4
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Howitworks(additionalservices)(1/4)
Awalletownercanapplyforaconsumerloanrightfromtheirwalletmobileapplication.Iftheapplicationisapproved,thecustomergetsmoneyrighttohiscard1
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Howitworks(additionalservices)(2/4)
P2Ptransferscanbedonebyselectingarecipientfromthecontactlist,orbyenteringtherecipient'scardnumber6
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Howitworks(additionalservices) (3/4)
Customerscanpayinfavoroflargenumberofserviceprovidersrightfrommobilewallet,usingthepaymentcardstheyhavelinkedtothewallet7
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Howitworks(additionalservices)(4/4)
Thecustomerscanbuytrainticketswiththechoiceofaparticularseatinthecarofthetrain8
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Additionalfeatures:NFC
ConvenientandsecuredatastorageandsecurecontactlesspaymentsavailableonmobiledevicesNEW
mWallet NFC platform:Ismadetoreplaceplasticcardswiththeirdigitalanalogues,InlinewiththeEMVCo tokenizationspecificationsandVisa&MasterCard.IsbasedontheHSE(HostCardEmulation)technology(supportedbyAndroidOS).NFCCardemulationmodeenablesNFC-enableddevicessuchassmartphonestoactlikesmartcards,allowinguserstoperformtransactionssuchaspaymentorticketing.NFCcanbewelladaptedforallkindsofsituations,successfullyreplacingbankcards,transitpasses,movietickets,rewardsystemsandevenkeysStoringpaymentinformationinmWallet appprovidesasaferenvironmentthanaphysicalwallet.Thistechnologyallowsthecustomertoloadmultiplecardsandchoosewhichonetheywishtouseforeachtransaction.Notonlydoesthissavetime,butitalsoreducesthechancesoflosingapaymentcardthatcomeswithcarryingmultiplecardsaround
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Additionalfeatures:MasterPass
Download Mobile Walletfrom AppStore or Play Market on your device
Add your payment cards andcomplete your profile
Click the “Buy withMasterPass” and open Mobile Wallet on yourdevice
Scan the QR code on themerchant’s website and select your payment card
Secure shopping is guaranteed
One-Click Connection is the unique solution from MasterCard and MasterPass that isused only in Ukraine and Turkey
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Instantservicinginacomfortofacar:fuelingthecar
Customercase#1 (forfuelstations)
ScanaQR-codeatthegasstation,withoutleavingyourcar1
Selectthefuelbrandandindicatequantityinthemobapp2
Confirmthecalculatedamount3
Paywiththecardlinkedtoyourmobilewallet4
Getbonusesonthebonusaccount5
Waitforthetanktobefilledwithfuel6
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Savetimeandmoney:purchasingfuel*rightinyourmobileapp
Customercase#2(forfuelstations)
Selectfuelbrand1
Indicatequantity2
Confirmthecalculatedamountwithadiscountdependingonvolume3
Paywiththecardlinkedtoyourmobilewallet4
Getliterstoyour"accountinliters"5
Writeofflitersfromyouraccountatthenextrefueling6*Thesamepatterncanbeappliedtothewholesalepurchaseofgoodsandservices(coffeecups,carwashing,etc.)
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Savetimebyusingpre-orderen route,beforevisitingapharmacy,fastfood,etc.
Customercase#3
Makeyourorderinproductcatalogdirectlyfromtheapplication1
Paywiththecardlinkedtoyourmobilewallet2
Confirmthetimeforvisitingastore3
CheckinthestoreonarrivalbyscanningaQRcode4
Getyourorder5
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Customercase# 4(formanufacturers)
EachpackofpotatochipscontainsauniqueQR-code.Whenacustomerscansit,shegetsacertainamountofcashbacktoherwallet asarewardforthepurchase.Thisso-calleddirectloyaltyprogrambythemanufacturer.Intheirturn,themanufacturerreceivesthecustomer’sdatafromherWEB-passport,necessaryforanalysisofpromo-campaignperformance.Inthiscase,thesecanbegender,ageandaddress.
Thecustomercanusetheaccumulatedcashbackamountatherdiscretion.Forexample,themoneycanbewithdrawnfromthewallettoabankcard.Also,themoneycanbeasourceforrefillingmobileaccount,forbuyinge-ticketorforpayingutilitybills.Bonusescanbepaidtoacustomerinsteadofrealmoney.Theebonusesmaybeconverted,forexample,intospecialgiftsfromthemanufacturer,intosouvenirsorrealgoods.Inaddition,anygamemechanicscanbebuiltinthebonuscalculationlogic.
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Customercase# 5(IncentivesforwatchingcommercialsonTV)
Asapartofatelevisionadvertisingcampaign,theadvertiseroffersacashbonusorotherformofrewardtoanyonewhowatchesthisinfomercialandscansthetemporaryQR-codewhichappearsonthescreenduringthebroadcast.
Thecodeisuniqueforeachdisplay,anditslifetimeislimitedtoacoupleofseconds. ThetotalrewardfundisfixedanditisdistributedequallyamongthosewhoscannedQR-code.InformationtransferfromWEB-passportandwaysofusingaccumulatedrewardsandbonusesaresimilartoCase#1.
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Customercase# 6(Showcasecatalogonthewallsofsubwaystations)
Acatalogofpromotionalproductsofnearbysupermarketcanbeshowcasedonthewallsofsubwaystation.EachitemhasitsuniqueQRcode.Acustomerscansthecodesandsimultaneouslypaysforselecteditems.Deliveryaddressistransferredautomaticallyfromthecustomer’sWEB-passporttoadeliveryservice,andthepurchaseissentdirectlytothehome
Thecustomerleavesthesubwayandgoeshome,passingthesupermarketand,thus,savingtime.Asthecustomercomeshome,deliveryservicedeliversthepurchasedgoods.Eachpurchasebringsbonusestothecustomer.Thesebonusescanbeusedasapaymentatthenextshoppingtime.
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Customercase# 7(HuntingforQRcodesinretailoutlets)
Asapartofthepromotionalcampaign,aproducerofaparticularbrandoramerchantprovidesvaluablegiftsorcashprizestothosewhoscanQR-codes.QR-codescanbeplacedinnewlocations,andthecustomersshouldlocatethemonshelvesofastore. QRcodecanbeone-timeandexpirewhilescannedonce.
QR-codescanbeplacedatpromoters;andpromotionmechanicscanbebasedondrawing.Thistechnologyallowstocollectdataabouteveryonewhotookpartinthepromotionandalsotoensureseamlessdeliveryofgiftsandprizestoallthewinnerswithoutdanglerassociatedwithcollectingandenteringinformationabouttherecipientanddeliveryaddress.
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Customercase# 8(Aproductcatalogthatsells)
AproductcatalogcontainsauniqueQR-codenexttoeachitem.ThiscodeallowsaclienttousetheirmobilewallettoorderthegoodsandtopaywithVisaorMasterCardcard,linkedtothewallet,inonlyafewclicks.Simultaneouslywiththepaymentforthegoods,thebonusesareaccruedtothebuyer’saccount;thesebonusescanbespentatthenextpurchase.
DuetotheuniquetechnologyofWEB-passport,thecatalogownerwillgetnotonlynewordersandsalesincrease,butalsothecustomerdetailsincludingtheircontactdataaswellaspre-definedsetofclientparameters.
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Customercase# 9(Livevotingandpayments)
YoucanvoteforselectedtalentshowparticipantnotonlybycallingortextmessagingbutalsobyscanningaQRcodefromaTVscreen.ThemoneywillbewrittenoffyourVisaorMasterCardcardlinkedtoyourwallet.
UnlikeSMSorcall,ourtechnologyallowsustodifferentiatepayment- aninfinitenumberofvariouscostoptions.Inaddition,thecustomervotingthroughWEB-passporttechnologycangatherinformationabouttheaudiencewhovotes.Thesamemechanicscanbeappliedtoanyquizzes,contests,activitiesimplyinglivepayments.
August 2016
VladimirBudanovSalesandMarketingDirector
Kiev,UkraineEmail:volodymyr@mobipay.ua
+380.67.578.06.14https://www.linkedin.com/in/volodymyrbudanov
MikhailMiroshnichenkoCo-FounderKiev,Ukraine
Email:mikhail@finovatestudio.com+38.068.331.95.03
http://ua.linkedin.com/in/michaelmir/
Thankyouforattention!
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