Posts
Consumers’ trust in mobile
services
Which systems have been
displayed and which trails currently
meet users’
expectations?
Paris, 24 June 2013 - Beyond devices and
connections, the pace is just as fast for mobile services. The addiction of
users to mobile broadband and Internet is quite amazing. The figures speak for
themselves, often at the billion level mark. Almost half the population of the
planet uses mobile communications… There were a total of 3.2 billion mobile
subscribers in 2012… … 7 billion connections were made in 2012 and 10 billion
are expected by 2017… More than 100 million tablets were sold in 2012… And the
same year, 5.1 billion SIM cards were shipped. Mobile applications, based on the
combination of identification and transaction services, are opening new business
opportunities in nearly all sectors of life and business.
The 2013 annual CARTES, Secure Connexions Event
will be held from 19 to 21 November 2013. In its “mobile
payment “ and “Smart shopping” areas, this world leading and annual exhibition
intends to focus on innovations and advanced technologies already conceived to
meet users’ expectations of secured mobile payments. The conference “Your future
is mobile: Trust it!” chaired by Sirpa Nordlund, Executive Director of Mobey
Forum, will highlight the latest developments.
Mobile payment
The power of mobile introduces a disruptive
transformation in financial services. As convenience and user-friendliness are
the main benefits expected by users, NFC is a key enabler of mobile payment.
Mobile devices that
enable tap-and-go payments through Near Field Communication (NFC) technology are
starting to achieve widespread penetration. The
development of mobile payment strategies is still dependent on the confidence of
customers, especially regarding
payment services. Users need to be fully convinced that their personal bank
details are securely kept and managed by their mobile device. In mobile payment
as a whole, differences appear according to the type of market. In mature
markets, mobile payments generally apply to purchases of goods and services from
online or proximity sales points.
In emerging markets, mobile
transactions are a financial service provided to unbanked populations and
generally relate to peer-to-peer money transfers. In both cases however, mobile
payment is the result of the high degree of penetration of mobile devices.
NFC projects in the mobile payment space are
being introduced to the market in Europe as well.Telefónica Germany recently
introduced its O2 Wallet enabling the storage of virtual credit cards
and other apps. For the wallet service, Giesecke & Devrient is providing
both the multi-application NFC SIM cards and the TSM (Trusted Service
Management) service.
Security is key, SIM is the
key
In this tremendous social shift, customers’
trust matters a lot. The players of the mobile ecosystem therefore are committed
to providing seamless security and safety to citizens, businesses and social
entities generally, whatever the final service to be delivered. Most mobile
devices can store personal data, photos, working documents, mail and content.
Security is the cornerstone of mobile business, from digital identity to
financial transactions and from health to education. The challenge is sizeable
as users are exposed to a wide range of risks: ID theft, transaction
repudiation, communication interception or breach of privacy…
In the face of the ever-growing complexity of
the mobile ecosystem, the SIM (as in ‘Security, Identity, Mobility’) UICC card
stands out as the technology best able to fulfill security and trust
requirements. Its inherently secure components provide a safe execution environment enabling
functions such as the generation of security keys or the legally binding
certification of digital signatures. Thanks to the SIM and whatever the device
(handset, smartphone, tablet), users can make use of mobile services with the
same high level of confidence that they have shown over the years to their
mobile phone thanks to the SIM.
A focus on mobile market
opportunities in health
The mobile industry is now addressing a large
range of socio-economic domains. One in particular is worth noting: health.
Although the potential benefits of mHealth solutions have been widely discussed
for over a decade, until recently the market never emerged from the trial phase.
The commercialization phase is opening now and according to Research2guidance
the mHealth market is expected to reach $26 billion in 2017.
Not only are consumers taking advantage of
mobile devices to manage and improve their own health, so are healthcare
professionals. A significant number (15%) of mHealth applications are primarily
designed for them. These include CME (Continued Medical Education), remote
monitoring and healthcare management applications. 97,000 mHealth applications
are currently available in major app stores, 42% of which are fee paying.
With more and more traditional healthcare
providers joining the mobile applications market, the business models will
broaden to include healthcare services, sensors, advertising and drug sales
revenues.
Mobile markets are limitless and trust is the
portal to a never-ending list of business opportunities and applications. To
adopt them, the last word will as usual be that of users, consumers and
citizens…
Isabelle
Alfano, Director of the Cartes Secure Connexions Event 2013, will be happy to
answer any questions. Please do not hesitate to
contact us.
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touch in real-time and get the latest news on the trade show:
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For the latest jobs in the card and payment industry, go to www.cardandpaymentjobs.com
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