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この調査レポートは、電子マネー市場を詳細に調査しています。

主な調査内容  (目次より抜粋)

1. 序論
2. 世界の人口統計学的考察
3. 非接触型決済のエコシステム
4. 市場成長促進要因、阻害要因、課題
5. 電子マネーアクセスポイントとしての携帯電話
6. 非接触型決済方法
7. 非接触型決済の発展展望
8. 市場規模と予測
9. 市場構築戦略

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An in-depth study of the emergence of digital money as it converges from card based proximity payments to mobile devices

Overview

All over the world governments, financial institutions, and merchants are taking measures to reduce the use of cash. Digital money is set to become the norm for low value transactions. At present, this goal is partly being achieved through the use of card-based proximity payment methods. However, to be truly successful digital money needs to evolve beyond a mere payment method into a source of benefit for individuals based around value-added services. This can only be attained through the use of mobile devices.

The number of contactless cards is set to reach 396 million by the end of 2011, equaling just 6% of all cards in circulation, and few of these cards offer value-added services other than links to loyalty schemes. By contrast, there are approximately 5.1 billion mobile users worldwide and this is set to reach 7.1 billion by the end of 2015. The scope to develop applications that enhance people’s lives in ways that go beyond payments is significant. ARCchart estimates that the number of users accessing services and buying goods using NFC-enabled devices will total 588 million by 2015. 

This report examines the emergence of digital money from the perspective of the convergence of card-based proximity payments to the use of NFC-enabled mobile devices. Business models are identified which examine how companies can benefit from the deployment of NFC in mobile devices, generating opportunities beyond those associated with traditional transaction type activities, such as ticketing and retail. 

ARCchart believes that 2011 will be the year when reality hits and industry participants finally acknowledge the challenges that need to be overcome to fully commercialise NFC. Internet companies such as Apple, Google, and Yahoo are best placed to take advantage of this technology. Incumbent players in the telecoms market are at risk of being left out.

Topics of coverage include:

• Organisations behind card-based and NFC-enabled mobile digital money services
• Security considerations for protecting user transactions
• Design options for integrating proximity payment and services functionality into mobile handsets
• The disruptive forces that Internet players will have on incumbent players
• The ecosystem for card and NFC-enabled mobile payments
• Company profiles of selected leaders in mobile NFC payments
• Recommendations on strategy for the various mobile NFC stakeholders
• Revenue projections for mobile NFC-enabled services
• Market size and forecasts

Companies and organisations mentioned, discussed or reviewed include:

American Express Apple AT&T Avea Barclaycard Bouygues Telecom Caffé Nero Cardis China Unicom Consult Hyperion Directel Garanti Bank Gemalto Google HP Hypercom

KDDI Korea Telecom LG London Underground MasterCard McDonalds mFoundry Microsoft Morrison Motorola Nokia NTT DoCoMo NXP O2 Orange PC World

RIM Sagem Sainsbury Samsung SFR SK Telecom Softbank Sony Ericsson Starbucks Telefonica T-Mobile TwinLinx Verizon Visa VIVOtech Vodafone

Answers and opinions are provided with respect to the following essential questions:

• What is digital money?
• How many contactless cards vs. NFC-enabled devices will ship in 2015?
• Why has NFC failed so far?
• What portion of smartphones will be NFC-enabled by 2015?
• How many people will have access to contactless payments (card and phone) by 2015?
• How will the digital money market evolve over the coming years?
• Where are the opportunities for application developers?
• When will digital money start to appear in commercial applications?
• Which companies are going to emerge as winners/losers in the digital market?

TOP

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Table of Contents

※資料のご請求は「お問い合わせ」からお申込みください

A. INTRODUCTION

Card Technologies
Contactless Technologies
More than Just a Payment Solution

A.2 | Report Overview

Aims and Focus of the Report

A.3 | Definitions

Digital Payment
Proximity Technologies

NFC Technology

Types of Payment
Transaction Terminology

B. GLOBAL DEMOGRAPHIC CONSIDERATIONS

B.1 | Population Matters

Developed Markets versus Developing Markets
Targeting the Unbanked
Improving Access to Financial Services

C. CONTACTLESS PAYMENTS ECOSYSTEM

Payment Types

Card Based Payments
Mobile Devices Payments
C.2 | Market Participants
Financial Institutions
Mobile Operators
Handset Manufacturers
Technology Suppliers
Retailers

C.3 | Company Profiles

Hypercom
NXP
O2 UK
Orange France
Visa
UnionPay
Consult Hyperion
mFoundry
Cardis

C.4 | Contactless Payment Trials and Case Studies

Nice Trial
Garanti Bank, Turkey
Barclaycard, UK
MasterCard

D. MARKET DRIVERS, BARRIERS AND CHALLENGES

D.1 | Market Drivers

Key Ecosystem Players Are Now On-board

Financial Institutions
Mobile Operators
Mobile Subscribers Base is at Critical Mass

Value-added Fees
Replacement for Legacy Payment Methods
Contactless versus Coins
Reducing Short-Change
Ticketing Adds Value to Contactless Payments

D.2 | Market Restraints

The Financial Basis for Digital Money

Cost of Deploying EPOS Terminals

Getting Consumers On-board
Developing Vertical Markets
Co-operation amongst Ecosystem Players
Security Issues

Copying Information
Merchant Lapses
Stolen Devices

Regulatory Uncertainty

E. MOBILE PHONE AS A DIGITAL MONEY ACCESS POINT

E.1 | NFC Technology

NFC Forum
The NFC Standard

Pairing Modes
Handset Implementation
NFC Applications

Alternatives to NFC Technology

RF-SIM
Wi-Fi and Bluetooth
Barcodes

E.2 | The Mobile Phone Market

Handset Market Size and Forecast

Regional Breakdown

Smartphones
Mobile Subscription Numbers
Market Potential
Planned NFC Support by OEMs

Apple
Google
HP
LG
Motorola
Nokia
RIM
Samsung
Sony Ericsson
Production Costs

Mobile Operators

Missed Opportunity to Control Ecosystem
Challenge of Going to Market

F. CONTACTLESS PAYMENT METHODS

F.1 | Geographical and Economic Considerations

F.2 | Cards as a Contactless Payment Method

Global Trends
Paving the Way for NFC

Developed Countries
Emerging Countries
Cost of Devices

F.3 | Mobile as a Contactless Payment Method

Geographical Considerations

North America
Europe
APAC
MEA
RoW

Industry Participant Attitudes Towards NFC Implementation

Device Manufacturer
Financial Institution
Mobile Operators

Mobile Payments Value-Chain
Mobile Payment Fees

Hosting Model
Transaction Model
Percentage Model

NFC Market Evolution

NFC devices
NFC User Base

Mobile Operator NFC Revenues

Alternative Revenue Approaches

G. OUTLOOK: CONTACTLESS DEVELOPMENTS

Regional Applications as a Driving Force
Importance of Loyalty and Coupon Schemes

G.1 | The Road Ahead

Status of Contactless Cards
Status of Mobile Phone NFC

UK
Europe
APAC
US
Global

G.2 | NFC Reality Check

Limited Handset Availability
Redundant Business Models

H. MARKET SIZE AND FORECASTS

H.1 | Methodology

Key Assumptions

H.2 | The Digital Payment Market

Contactless Cards
The Mobile Phone Market

Mobile Subscribers

Smartphones
NFC Handsets to Displace Cards
The NFC Subscriber Base
Regional Market for NFC Devices

I. MARKET BUILDING STRATEGIES

I.1 | Card Suppliers

Expanding the Merchant Base
Card Replacement Program
Educating Consumers and Building Awareness

I.2 | Mobile Operators
I.3 | Device Manufacturers
I.4 | Solution Providers
I.5 | Merchants

List of Figures

Figure 1 - Structure of the digital money market
Figure 2 - The contactless payments ecosystem
Figure 3 - User accessing information from an NFC smart poster
Figure 4 - Schematic of NFC within the handset environment
Figure 5 - Handset shipment forecast: 2011 - 2015
Figure 6 - Handset shipment forecast by region: 2011 - 2015
Figure 7 - Smartphone shipment forecast: 2011 - 2015
Figure 8 - Mobile subscriptions forecast: 2011 - 2015
Figure 9 - Mobile subscriptions forecast by region: 2011 to 2015
Figure 10 - Total installed base of contactless cards: 2010 - 2015
Figure 11 - Shipment of NFC-enabled phones: 2010 - 2015
Figure 12 - Total NFC handset user base: 2010-2015
Figure 13 - Google Nexus S
Figure 14 - Nokia C7-00
Figure 15 - Shipment of NFC-enabled phones: 2010 - 2015
Figure 16 - NFC user base: 2010-2015

List of Tables

Table 1 - Regional population estimates: 2005 - 2020
Table 2 - Summary of handset OEM plans for NFC support
Table 3 - Number of mobile network operators by region: 2011
Table 4 - Annual average card spend for Europe, China and US
Table 5 - Regional card distribution by card type: 2011
Table 6 - Regional installed base of contactless cards: 2010 - 2015
Table 7 - Total NFC handset users by regions: 2010 - 2015
Table 8 - Contactless cards established base: 2010 - 2015
Table 9 - Handset shipments by region: 2010 - 2015
Table 10 - Mobile subscribers by region: 2010 - 2015
Table 11 - Smartphone shipments by region: 2010 - 2015
Table 12 - NFC subscriber base by region: 2010 - 2015