Alternative Payment Providers Starring as Payment Disruptors

Introduction

Scope

Key findings

New Payment Players Emerge

NEW PAYMENT PLAYERS EMERGE

A number of factors have opened the door for payment disruption

The act of paying is being transformed by disruptors

Several technologies are shaking up the traditional payment space

NFC-driven mobile payments slowly gaining momentum

NFC’s new technology competitor: Bluetooth Low Energy

A look at the changing landscape of mobile-enabled devices

Smartphones as a percentage of mobile phones worldwide

Several players are trying to gain a seat at the payments table

Major disruptors threatening the traditional payment space, Part 1

Major disruptors threatening the traditional payment space, Part 2

Fractured industry also provides opportunity for payment entrants

All players want a piece of the fast-growing mobile payments pie

Case Studies on Industry Entrants

CASE STUDIES ON INDUSTRY ENTRANTS

Players that could disrupt the long-standing payment structure

Case Study: Plug-ins turn mobile devices into POS terminals

Meet Square and all of its counterparts both in the US and globally

Square dongle enables cashless payments for all business types

Case Study: The rise of QR code-based payment systems

QR codes shift focus from sharing product info to payment conduit

LevelUp couples payment processing with customer loyalty

LevelUp makes money on repeat customers, not interchange fee

Case Study: Mobile carriers now wearing payment hat, too

Telecom-driven mobile payments efforts from around the globe

UK’s multi-carrier mobile payment JV received regulatory go ahead

Oscar could make m-payments easier for all parties in ecosystem

Case Study: Direct-carrier billing popular in gaming, social networks

Direct-carrier most popular in Asia Pacific, the Middle East, LATAM

South Korean company was one of the first to develop concept

Bill-to-mobile likely to remain a niche mobile payment offering

Case Study: Online tools disrupting EFT networks usage

Dwolla drives down costs for payments to just pocket change

EFT upstarts allow for cheaper and sometimes faster transactions

Case Study: Retailers morphing into consumer finance providers

Retailers offering banking services alongside core products

US retailers join together to create new m-commerce platform

Merchant-led network about cutting costs, retaining consumer data

Case Study: Apple could leverage iTunes into payment system

New iPhone lacks NFC, but Apple may still be thinking payments

Apple could leverage experience from running iTunes, retail stores

Some tech titans flexing muscles as payment providers, too

PayPal might be most disruptive company in the payments space

PayPal’s buying spree and innovations reveal it’s serious

PayPal makes a push into bricks-and-mortar locations

Deal with Discover enables nationwide in-store e-payments

Prospects for Payment Disruptors

PROSPECTS FOR PAYMENT DISRUPTORS

Many alternative payment products layer over usual payment rails

Hurdles that might stop payment disruptors from gaining ground

Alternative providers could provide a richer consumer experience

Alternative payments needs to be about more than just payments

Report Definitions

Data parameters and report definitions

---