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この調査レポートは、世界のモバイルバンキング市場を詳細に調査・分析しています。
Overview
- Latest Mobile Banking Platform Developments
- Unique Vendor Positioning Matrix
- Interviews with CxO Management Across the Value Chain
This industry benchmark report provides the most detailed view of the mobile banking market to date; mBanking presents a rapidly expanding opportunity to increase customer base, revenue and profit.
The report covers:
Full Market Re-Assessment in Light of the Global Economic Crisis and Recent Service
Developments. This study charts the potential in mobile banking for significant cost-savings as well as a chance to offer an edge in a fiercely competitive market, deeply impacted by changes in the financial service industry and the explosion of smartphone application growth. Readers will receive unmatched insight into the size, scope and direction of a market moving swiftly into the emergent sector of mobile banking.
Forecasts for the Mobile Banking Market by ‘Push' and ‘Pull' Services. In-depth analyses of the current and projected value of the market for mobile banking are segmented by service type - ‘push' informational banking services and ‘pull' MBPP (Mobile Bill Payment and Presentment) services - followed by a further discussion of the comparative prospects of the complete range of delivery mechanisms: SMS, WAP and Apps. Examination of this ‘triple play' banking solution gives readers a play-by-play breakdown of the ways in which vendors can optimise levels of customer adoption.
Four Distinct Business Models, Reflecting Key Segments of the Value Chain. These business models (bank-led, telco-led, joint venture, and third party-led) are explored in depth, delivering to readers the complete spectrum of prospective and implemented strategies and rationale across the industry.
Key Features of The Report Include:
- Focus on additive banking as the organic progression for established banks and FIs (Financial Institutions) gives readers an unparalleled advantage towards providing banked consumers with a more convenient and engaged experience in the developed market.
- Vendor Matrix Covering 23 Key Players - assesses the strength and positioning of each company within the mBanking ecosystem, giving readers an understanding of the product, capability and capacity of active vendors: those who are on track and those with further potential.
- Detailed Investigation of Mobile Banking Drivers & Constraints - provides readers with an unprecedented view of the factors propelling mobile banking forward, as well as the elements which could hinder the development process.
Companies Profiled
Companies Interviewed
Accenture, BBVA Compass, ClairMail, eLeader, Fiserv, Fundamo, Infobip, M-Com, Sybase 365
Companies Profiled
ABSA Bank, Agricultural Bank of China, America Movil, Bank of America, Barclays, BNP Paribas, Bradesco, BRD Groupe Societe Generale, CIBC, Citigroup, Clickatell, CPNI, Deutsche Bank, Diebold, Dutch-Bangla Bank Ltd, Ecobank, First National Bank, FIS, Garanti Bank, Gemalto, ICICI Bank, Industrial and Commercial Bank of China, Intuit, Jack Henry & Associates, Jibun Bank, mBlox, MCB Bank, mFoundry, M-Kesho, MMV, Monitise, MShift, MTN, National Australia Bank, NTT Docomo, OCBC Bank, paybox Bank, Rabo Mobiel, Raifeisen Bank Polska, Russian Standard Bank, S1, SK Telecom, Standard Chartered Bank, State Bank of India, Syniverse, Transfer, Tyfone, United Bank Limited Pakistan, USAA, Wells Fargo Retail
Key Questions
Key Questions the Report Answers:
- How many mobile subscribers will use their mobile devices for mobile banking information services over the next five years?
- How will increased tablet usage impact on mBanking adoption?
- What are the benefits of a multichannel mobile banking strategy?
- Which will be the leading global regions in the mobile banking market in 2016?
- What are the opportunities for transformative banking within developed and most particularly developing economies where there are large populations of underbanked and insubstantial banking infrastructure?
- How are leading banks incorporating the mobile into distribution channel strategies?
- What are the primary business models for mobile banking service providers?
- What are the trends, drivers and constrains affecting the development of the market?
目次
TABLE
OF CONTENTS
Executive Summary
Mobile Commerce and Banking Overview
1.1 Mobile Commerce Market Structure.......... 26
1.1.1 Milieu.......... 26
Figure 1.1: The ‘Nightmare' Scenario: Global MNO Service Revenues vs Capex/Opex ($bn) 2011-2016.......... 28
Table 1.1: The ‘Nightmare' Scenario: Global MNO Service Revenues vs Capex/Opex ($bn) 2011-2016.......... 28
1.1.2 Market Segmentation.......... 29
Figure 1.2: Mobile Commerce Market Segmentation.......... 29
1.2 Mobile Banking Definition.......... 30
1.2.1 Services and Devices.......... 30
1.2.2 Additive and Transformational Banking.......... 30
Table 1.2: Additive and Transformational Banking.......... 30
Figure 1.3: 2010 Banked Population (% of total) Split by 8 Key Regions.......... 31
Table 1.3: 2010 Banked Population (% of total) Split by 8 Key Regions.......... 32
1.2.3 Banking...or Payments?.......... 32
1.3 New Developments Shaping Mobile Banking.......... 33
1.3.1 The Global Economic Downturn and the Impact of the Banking Crisis.......... 33
i. The Contemporary Banking Industry.......... 33
ii. The Impact of Technological Advancements.......... 34
iii. A new business stratagem.......... 34
1.3.2 Target Market Extension.......... 35
1.3.3 Service Launches.......... 36
1.3.4 Mobile Banking Service Expansion.......... 36
1.3.5 Messaging.......... 37
i. Messaging Service Developments.......... 37
Figure 1.4: Mobile Banking Messaging Types and Characteristics.......... 38
ii. Advanced Messaging Alerts and Process Alerts.......... 38
Figure 1.5: Advanced and Process Alerts Potential.......... 39
Figure 1.6: Wells Fargo Rapid Alerts for Wells Fargo Visa Cardholders.......... 40
iii. Customer Marketing Messaging.......... 40
1.3.6 Enriched Services.......... 41
1.3.7 Mobile RDC (Remote Deposit Capture).......... 42
Table 1.4: Remote Deposit Capture Process.......... 42
1.3.8 Enhanced Internet Connectivity.......... 43
1.3.9 The Advancement and Domination of Smartphones.......... 44
Figure 1.7: Smartphone Shipment Volumes (millions) over the past 7 quarters.......... 45
1.3.10 The Tablet Revolution.......... 46
1.3.11 The Rise of the App.......... 47
1.3.12 The Rise of Cloud Networks.......... 48
1.4 Business Models.......... 49
Table 1.5: Business Models for Mobile Banking.......... 49
1.4.1 Bank-Led Approach.......... 49
1.4.2 Telco-Led Approach.......... 50
1.4.3 Joint Venture Approach.......... 51
Figure 1.8: Open Federation Model.......... 52
1.4.4 Third Party Provision.......... 52
Mobile Banking Drivers and Constraints
2.1 Introduction.......... 53
Figure 2.1: Mobile Banking Drivers and Constraints.......... 53
2.2 Drivers.......... 54
i. User Demand and Requirements.......... 54
ii. Cost Savings.......... 54
iii. Increase in ARPU 54
iv. One-to-One Marketing Opportunity.......... 54
v. Enhanced Security.......... 55
vi. Customer Retention and Acquisition for Banks.......... 55
vii. Lower Churn for MNOs.......... 55
viii. New Revenue Channel for Banks.......... 56
ix. New Revenue Channel for MNOs: as MFS Provider.......... 56
x. Revenue Sharing and Co-operation in the Ecosystem.......... 56
2.3 Constraints.......... 57
i. Resistance from MNOs.......... 57
ii. Technology Issues and Standards.......... 57
iii. Business Model Issues.......... 57
iv. Financial Regulations & Legislation.......... 57
v. Support Issues - Who Owns the Customer?.......... 59
vi. Data Charges: User Bill Shock.......... 59
vii. 3G/Broadband & Device Availability.......... 59
viii. User Security Concerns.......... 60
ix. Application Slickness.......... 61
x. Skilled professionals.......... 61
xi. Domestic Setting.......... 61
2.4 Market Segmentation.......... 61
Figure 2.2: Examples of Push and Pull Mobile Banking Services.......... 62
2.5 Mobile Banking Technology Options.......... 62
2.5.2 Messaging-based Mobile Banking.......... 63
2.5.3 Mobile Internet Browser.......... 63
2.5.1 Downloadable Application.......... 64
Figure 2.3: Citibank's Mobile Banking App for the iPhone.......... 64
Market Forecast Approach
3.1 Introduction.......... 65
3.2 Methodology.......... 66
3.2.1 Geographical Splits.......... 66
3.2.2 Methodology and Assumptions.......... 67
Figure 3.1: Mobile Banking Market Forecast Methodology.......... 67
3.3 Growth of the Cellular Market.......... 69
Table 3.1 Total Handset Installed Base (m) Split by 8 Key Regions 2011-2016.......... 69
Table 3.2 Featurephones Installed Base (m) Split by 8 Key Regions 2011-2016.......... 70
Figure 3.2: Featurephone Installed Base (m) Split by 8 Key Regions 2011-2016.......... 71
Table 3.3: Smartphone Installed Base (m) Split by 8 Key Regions 2011-2016.......... 71
Figure 3.3: Smartphone Installed Base (m) Split by 8 Key Regions 2011-2016.......... 72
3.4 Forecast Detail.......... 72
3.5 Mobile Banking ‘Push' Information Services.......... 74
3.5.1 Users.......... 74
Table 3.4: Mobile Phone Users (%) Who Use Mobile Banking Information Services Split by 8 Key Regions 2011-2016.......... 74
Figure 3.4: Total Mobile Phone Users (m) Who Use Mobile Banking Information Services Split by 8 Key Regions 2011-2016.......... 75
Table 3.5: Total Mobile Phone Users (m) Who Use Mobile Banking Information Services Split by 8 Key Regions 2011-2016.......... 75
3.5.2 Messaging Traffic.......... 76
Figure 3.5: Average Number of Mobile Banking Information ‘Push' Messages Sent to Mobile Banking Users Split by 8 Key Regions 2011-2016.......... 77
Table 3.6: Average Number of Mobile Banking Information ‘Push' Messages Sent to Mobile Banking Users Split by 8 Key Regions 2011-2016.......... 78
Figure 3.6: Total Number of Mobile Banking Information ‘Push' Messages (m) Sent to Mobile Banking Users Split by 8 Key Regions 2011-2016.......... 79
Table 3.7: Total Number of Mobile Banking Information ‘Push' Messages (m) Sent to Mobile Banking Users Split by 8 Key Regions 2011-2016.......... 79
3.5.3 ‘Push' Messaging Market.......... 80
Table 3.8: ‘Push' SMS Messaging Wholesale Market Value ($m) Split by 8 Key Regions 2011-2016.......... 80
Figure 3.7: ‘Push' SMS Messaging Wholesale Market Value ($m) Split by 8 Key Regions 2011-2016.......... 81
3.6 Mobile Bill Presentment & Payment (MBPP).......... 82
3.6.1 Users.......... 82
Table 3.9: Mobile Phone Users (%) Who Make MBPP Transactions Split by 8 Key Regions 2011-2016.......... 82
Figure 3.8: Total Mobile Phone Users (m) Who Make MBPP Transactions Split by 8 Key Regions 2011-2016.......... 83
Table 3.10: Total Mobile Phone Users (m) Who Make MBPP Transactions Split by 8 Key Regions 2011-2016.......... 83
3.6.2 MBPP Transactional Traffic.......... 84
Figure 3.9: Average Number of MBPP Transactions Made per Mobile Banking User Split by 8 Key Regions 2011-2016.......... 84
Table 3.11: Average Number of MBPP Transactions Made per Mobile Banking User Split by 8 Key Regions 2011-2016.......... 85
Figure 3.10: Total Number of MBPP Transactions (m) Split by 8 Key Regions 2011-2016.......... 85
Table 3.12: Total Number of MBPP Transactions (m) Split by 8 Key Regions 2011-2016.......... 86
3.6.3 Transaction Value.......... 86
Table 3.13: Average MBPP Transaction Value ($) Split by 8 Key Regions 2011-2016.......... 86
Figure 3.11: Average MBPP Transaction Value ($) Split by 8 Key Regions 2011-2016.......... 87
Figure 3.12: Total MBPP Transaction Value ($bn) Split by 8 Key Regions 2011-2016.......... 87
Table 3.14: Total MBPP Transaction Value ($bn) Split by 8 Key Regions 2011-2016.......... 88
Figure 3.13: Average MBPP Transaction Value per User ($) Split by 8 Key Regions 2011-2016.......... 88
Table 3.15: Average MBPP Transaction Value per User ($) Split by 8 Key Regions 2011-2016.......... 89
Vendor Strategies
4.1 Introduction.......... 91
4.2 Vendor Analysis.......... 92
4.2.1 Vendor Assessment Methodology.......... 92
Table 4.1: Vendor Capability Assessment Criteria.......... 92
4.2.2 Limitations and Interpretation.......... 92
4.2.3 New Positioning Matrix Results.......... 93
Figure 4.1: Mobile Banking Vendor Positioning Matrix.......... 94
4.2.4 Vendor Groupings.......... 94
i. Summary.......... 94
ii. On Track Vendors.......... 95
iii. Vendors Exceeding Expectations.......... 95
iv. Vendors with Further Potential.......... 96
4.2.5 Strategy Conclusions - Corporate Activity.......... 97
4.3 Accenture.......... 97
i. Corporate.......... 97
ii. Geographic Spread.......... 97
iii. Key Clients & Strategic Partnerships.......... 98
iv. High Level View of Offerings.......... 98
v. Juniper's View: Accenture Key Strengths and Strategic Development Opportunities.......... 99
4.4 ClairMail.......... 99
i. Corporate.......... 99
ii. Geographic Spread.......... 100
iii. Key Clients & Strategic Partnerships.......... 100
iv. High Level View of Offerings.......... 101
v. Juniper's View: Clairmail's Key Strengths and Strategic Development Opportunities.......... 102
4.5 Clickatell.......... 102
i. Corporate.......... 102
ii. Geographic Spread.......... 102
iii. Key Clients & Strategic Partnerships.......... 102
iv. High Level View of Offerings.......... 103
Figure 4.2: Clickatell Messaging Platform.......... 104
v. Juniper View: Clickatell's Key Strengths and Strategic Development Opportunities.......... 104
4.6 CPNI.......... 105
i. Corporate.......... 105
ii. Geographic Spread.......... 105
iii. Key Clients & Strategic Partnerships.......... 105
iv. High Level View of Offerings.......... 106
Figure 4.3: CPNI PAT Solution.......... 106
v. Juniper View: CPNI's Key Strengths and Strategic Development Opportunities.......... 107
4.7 Diebold.......... 107
i. Corporate.......... 107
ii. Geographic Spread.......... 107
iii. Key Clients & Strategic Partnerships.......... 108
iv. High Level View of Offerings.......... 108
v. Juniper View: Diebold's Key Strengths and Strategic Development Opportunities.......... 108
4.8 eLeader.......... 109
i. Corporate.......... 109
ii. Geographic Spread.......... 109
iii. Key Clients & Strategic Partnerships.......... 109
iv. High Level View of Offerings.......... 110
Figure 4.4: eLeader Mobile Banking Screenshot.......... 110
v. Juniper View: eLeader's Key Strengths and Strategic Development Opportunities.......... 110
4.9 FIS.......... 111
i. Corporate.......... 111
ii. Geographic Spread.......... 111
iii. Key Clients & Strategic Partnerships.......... 111
iv. High Level View of Offerings.......... 112
v. Juniper View: Fis's Key Strengths and Strategic Development Opportunities.......... 113
4.10 Fiserv/M-Com.......... 114
i. Corporate.......... 114
ii. Geographic Spread.......... 115
iii. Key Clients & Strategic Partnerships.......... 115
iv. High Level View of Offerings.......... 115
Figure 4.5: M-Com BankAnywhere Product overview.......... 117
Figure 4.6: M-Com and Fiserv's Mobiliti product operations.......... 117
v. Juniper View: Fiserv/M-Com's Key Strengths and Strategic Development Opportunities.......... 118
4.11 Fundamo.......... 118
i. Corporate.......... 118
ii. Geographic Spread.......... 118
iii. Key Clients & Strategic Partnerships.......... 119
iv. High Level View of Offerings.......... 120
v. Juniper View: Fundamo's Key Strengths and Strategic Development Opportunities.......... 121
4.12 Gemalto.......... 122
i. Corporate.......... 122
ii. Geographic Spread.......... 122
iii. Key Clients & Strategic Partnerships.......... 122
iv. High Level View of Offerings.......... 123
v. Juniper View: Gemalto's Key Strengths and Strategic Development Opportunities.......... 123
4.13 Infobip.......... 124
i. Corporate.......... 124
ii. Geographic Spread.......... 124
iii. Key Clients & Strategic Partnerships.......... 124
iv. High Level View of Offerings.......... 124
Figure 4.7: Infobip mobile platform overview.......... 125
v. Juniper View: Infobip's Key Strengths and Strategic Development Opportunities.......... 125
4.14 Jack Henry & Associates.......... 126
i. Corporate.......... 126
ii. Geographic Spread.......... 126
iii. Key Clients & Strategic Partnerships.......... 126
iv. High Level View of Offerings.......... 126
v. Juniper View: Jack Henry & Associate's Key Strengths and Strategic Development Opportunities.......... 127
4.15 mBlox.......... 127
i. Corporate.......... 127
ii. Geographic Spread.......... 127
iii. Key Clients & Strategic Partnerships.......... 128
iv. High Level View of Offerings.......... 128
Figure 4.8: mBlox Mobile Transaction Platform.......... 128
v. Juniper View: mBlox's Key Strengths and Strategic Development Opportunities.......... 129
4.16 MMV/ Intuit.......... 129
i. Corporate.......... 129
ii. Geographic Spread.......... 129
iii. Key Clients & Strategic Partnerships.......... 129
iv. High Level View of Offerings.......... 130
Figure 4.9: MMV Mobile Banking Screenshot.......... 130
v. Juniper View: MMV/Intuit's Key Strengths and Strategic Development Opportunities.......... 130
4.17 mFoundry.......... 131
i. Corporate.......... 131
ii. Geographic Spread.......... 131
iii. Key Clients & Strategic Partnerships.......... 131
iv. High Level View of Offerings.......... 131
Figure 4.10: mFoundry Mojax Platform.......... 132
v. Juniper View: mFoundry's Key Strengths and Strategic Development Opportunities.......... 133
4.18 Monitise.......... 133
i. Corporate.......... 133
ii. Geographic Spread.......... 133
iii. Key Clients & Strategic Partnerships.......... 133
iv. High Level View of Offerings.......... 134
Figure 4.11: Monitise Mobile Money Ecosystem.......... 135
v. Juniper View: Monitise's Key Strengths and Strategic Development Opportunities.......... 135
4.19 MShift.......... 136
i. Corporate.......... 136
ii. Geographic Spread.......... 136
iii. Key Clients & Strategic Partnerships.......... 136
iv. High Level View of Offerings.......... 136
v. Juniper View: Mshift's Key Strengths and Strategic Development Opportunities.......... 136
4.20 S1.......... 137
i. Corporate.......... 137
ii. Geographic Spread.......... 137
iii. Key Clients & Strategic Partnerships.......... 137
iv. High Level View of Offerings.......... 138
v. Juniper View: S1's Key Strengths and Strategic Development Opportunities.......... 138
4.21 Sybase 365.......... 139
i. Corporate.......... 139
ii. Geographic Spread.......... 139
iii. Key Clients & Strategic Partnerships.......... 139
iv. High Level Offering.......... 140
Figure 4.12: Sybase mBanking 365 Product.......... 141
v. Juniper View: Sybase 365's Key Strengths and Strategic Development Opportunities.......... 141
4.22 Syniverse.......... 142
i. Corporate.......... 142
ii. Geographic Spread.......... 142
iii. Key Clients & Strategic Partnerships.......... 142
iv. High Level View of Offerings.......... 143
v. Juniper View: Syniverse's Key Strengths and Strategic Development Opportunities.......... 143
4.23 Tyfone.......... 144
i. Corporate.......... 144
ii. Geographic Spread.......... 144
iii. Key Clients & Strategic Partnerships.......... 144
iv. High Level View of Offerings.......... 144
v. Juniper View: Tyfone's Key Strengths and Strategic Development Opportunities.......... 145
Appendix A, Strategy 1: Developed Markets
Appendix B, Strategy 2: Developing Markets
