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Mobile and Alternative Payments in the U.S., 3rd Edition

NEW YORK, Jan. 9, 2013 /PRNewswire/ -- announces that a new market research report is available in its catalogue:


Mobile and Alternative Payments in the U.S., 3rd Edition


The mobile payments industry stands at the epicenter of tremendous innovation and change, with market participants introducing a slew of emerging payments solutions—from Square to Google Wallet to Popmoney to Serve to Thanks to the widespread adoption of smartphones, the consumer audience now has the means to use them; however, they still may not be accustomed to or even well informed about the new topography of the payment landscape.




The industry also serves as a nexus connecting the often competing interests of wireless carriers, phone manufacturers, payments networks, merchant acquirers, card associations, point-of-sale technology providers, nonbanking payment solution providers, banks, and retailers. At stake is the transformation of the consumer wallet—and the control traditional payment players have historically had over it—as well as the possibility of new revenue streams generated by data analytics, advertising, and other value-added products and services, above and beyond merchant payment fee revenue.




Even with mobile payments still in its nascent stage, Packaged Facts expects U.S. remote and point-of-sale mobile payments volume to grow by 275% in 2013, a testament to the impact of current product rollouts and consumer uptake already underway.




Mobile and Alternative Payments in the U.S. provides industry participants with the wealth of analysis and guidance they need to stay abreast of this quickly evolving market. Report coverage includes market sizing and forecast for U.S. mobile payments, as well as a comprehensive evaluation of competitor dynamics:


  • Mobile payments strategies employed by the leading U.S. card associations, including American Express' prepaid card innovation and Serve digital platform innovation, Discover Financial Services' alternative payments strategy and PayPal and Google Wallet relationships, MasterCard PayPass and PayPass Wallet Services, and Visa


  • Mobile payment solutions developed by Digital Leaders, including online commerce behemoths Amazon, Apple, Google, Facebook, Groupon and PayPal; innovative offline commerce players LevelUp and Square; the Isis Mobile Commerce Network; and retailer mobile payment strategies


  • Macro trends shaping the mobile payments landscape, including eCommerce growth, NFC payment growth. bill payment trends, P2P growth and associated metrics, and mobile payment fraud and security issues



In addition, Proprietary Packaged Facts consumer survey data and Experian Simmons syndicated consumer surveys provided the basis for a detailed analysis of the consumer context:


  • Mobile phone and smartphone ownership trends, app usage, and tablet ownership


  • Mobile phone usage trends pertinent to mobile payments, including mobile phone usage trending over time and related demographic analysis


  • Mobile payment methods (i.e. P2P, bill payment, etc.) and payment funding choices by demographic


  • Mobile payers' current and intended use of mobile payment, deposit and communication methods, broken out by smartphone users, non-smartphone users, mobile bankers, and mobile payers


  • Recent and intended use of mobile phone financial, promotional & shopping tools


  • Mobile phone and smart phone feature usage; smartphone share of mobile phone ownership by demographic; and voice, data and text plan penetration




Executive Summary


Report Scope


Market Size and Forecast


Macro Trends Shaping the Mobile Payments Landscape


Mobile Phone Usage Trends


Mobile banking trends


Mobile payments trends


Consumer Interest in Mobile Phone Financial, Promotional and Shopping Enhancements


Mobile Payments Strategies: Card Associations


Mobile Payments Strategies: Digital Leaders


Mobile Payments Strategies: Mobile Network Operators


Mobile Payments Strategies: Retailers


Chapter 1: Overview


Mobile financial services: banking and payments

Mobile financial services


Mobile banking


Mobile payments



Mobile payment technologies

SMS text messaging








2D Barcode


Mobile payment funding options



Online and offline payment methods/players


Chapter 2: Market Size and Forecast


Summary analysis


Mobile payments set for takeoff—but only after some dust settles

Worldwide mobile payment growth



The U.S. market


Mobile payment usage is on the uptake


But payment frequency remains low

Table 2-1: U.S. Mobile Payment Transaction Value, 2012-2016



Growth drivers

Piggybacking on online banking and bill payment


Giving merchant acceptance a shot in the arm


Non-banking mobile payments players transitioning online account goldmine to offline arena


Leapfrogging the near-term NFC hurdle


Awareness and education set to rise




Greater payment flexibility



Growth inhibitors

Too many cooks spoil the broth


Technology standardization


Security and fraud



On the fence



Financial service provider fees



Chapter 3: Macro Trends Shaping Mobile Payments Landscape


Mobile phone usage nears saturation

Graph 3-1: Mobile Phone Users and Usage Penetration, 2004-2012



Smartphone shares reaches majority status


Smartphone share passes 50%

Table 3-1: Consumer Mobile Phone Ownership, Smartphone Ownership and Ownership Share, 2012



Past the tipping point—onward and upward


Apps and more apps

Graph 3-2: iTunes Music and App Store Downloads



Tablet usage share triples in less than 18 months

Table 3-2: Tablet Ownership, Spring 2011-Summer 2012



Tablet and smartphone demographic synergy

Table 3-3: Consumer Tablet Ownership, by Demographic, Summer 2012



E-commerce gains

Graph 3-3: Quarterly E-Commerce Retail Sales, Percentage Growth, and Percent of Retail Sales, 2003-2012



NFC: low penetration to high penetration—but when?


A small merchant footprint


Contactless a small ripple in a big pond


PayPass merchant adoption at 400,000


Bottom line: incremental growth does not a revolution make


Looking down the road: 2015 will tell a different story


An EMV nudge


Consumer bill pay methods: mail continues to dwindle


Among alternatives, online bill pay rising fastest

Graph 3-4: Consumer Bill Pay Preferences: Forms Used, 2007-2012



Online banking and bill pay add more users

Graph 3-5: Online Banking and Bill Payment: Household Usage, 2002-2011



Eyeing P2P




The P2P usage universe

Table 3-4: Domestic and International Person-to-Person Money Sending/Receipt, 2010-2012



U.S. mail dominates; Western Union, Money Gram and PayPal are key players

Table 3-5: Domestic Person-to-Person Money Sending/Receipt: By Method, 2010-2012


Lots of checks and cash left to convert

95% of dollar value in cash and checks!



Mobile banking usage lags awareness

Graph 3-6: Mobile Banking Feature Awareness vs. Use



Security and fraud concerns holding adoption back


Security concerns thwart use of mobile banking


Specific mobile banking security concerns

Graph 3-7: Mobile Banking Feature Awareness vs. Use



But can mobile payments actually be more secure than traditional payments?


Mobile phone as fraud reducer

Dynamic authentication


Password-protect phone and payment app


Facial recognition



Am I protected? It depends on the funding


If protection level is not tied to phone, then what's the problem?


Security in the Cloud





Reducing fraud



Google Wallet vulnerability: fire flared up, then put out


Reaching the unbanked


Mobile phones can help them connect more deeply to financial services


It's more a question of data plan and internet usage, not access

Table 3-6: All Consumers vs. Unbanked Consumers: Cell Phone Usage, Cell Phone Text Messaging, Web Browsing, Data Plan, App and Operating System Usage/Population, Tablet


Ownership/Population, and Online Banking Usage/Population, 2012



And the underbanked

Convenience a mobile banking driver




Chapter 4: Mobile Phone Usage Trends


Summary analysis


Mobile phone ownership nears saturation point

Graph 4-1: Mobile Phone Ownership and Ownership Penetration, 2004-2012



Increasing variety of features making their way onto mobile phones


Texting usage nears 60%


Camera/picture phone use bodes well for remote check deposit

Table 4-1: Mobile Phone Features and Services Penetration, 2007-2012



Feature engagement

Downloading apps, GPS and camcorder phone engagement above 50%


Graph 4-2: Mobile Phone Feature Usage and Engagement: By Feature, 2012



Data plans attached to a third of mobile phones

Graph 4-3: Share of Mobile Phone Owners with Limited and Unlimited Voice, Data and Text Plans, 2012



Mobile phone usage and smartphone usage share


Smartphone share passes 50%

Youth, higher income consumers and racial/ethnic minorities lead the way


Table 4-2: Consumer Mobile Phone Ownership, Smartphone Ownership and Ownership Share, 2012



Smartphone users vs. non-smartphone users: feature usage, bill and downloads

Texting carries across smartphones and non-smartphones


Data-driven feature usage is smartphone dependent


Strong feature-driven user base for mobile payments providers to target


Table 4-3: Feature Usage, Phone Bill and App Download Frequency: Smartphone Users


vs. Non-Smartphone Users, 2012


25-34s drive usage, but internet, text and e-mail penetration implies broad target population


Table 4-4: Smartphone User Feature Usage, Phone Bill and App Download Frequency: By Age Bracket, 2012


Usage consistent across incomes despite significant billing differences


Table 4-5: Smartphone User Feature Usage, Phone Bill and App Download Frequency: By HH Income, 2012



Chapter 5: Mobile Banking Trends


Summary analysis


Mobile bankers


25-34s and non-whites pivotal demographics

Table 5-1: Mobile Banking: Usage Penetration, 2012



Mobile banking features and services

Almost 50 million using phone to check account balance/recent transactions


Remote check deposit is quickly gaining traction


Table 5-2: Mobile Banking Features and Services Usage Penetration and Population: U.S. Population, Mobile Phone and Smartphone Users, 2012



Mobile bankers = smartphone users

Table 5-3: Mobile Banking and Mobile Banking Frequency: Mobile Phone, Smartphone and Non-Smartphone Users, 2012



Chapter 6: Mobile Payments Trends


Summary analysis


Mobile payers


Gaining a foothold

Table 6-1: Mobile Payments Usage Penetration, 2012



But marked by infrequent use

Table 6-2: Mobile Payments Per Month, 2012



Mobile payment methods

Bill payment has widest usage footprint


P2P taking hold


1 in 10 tapping phone at POS; using virtual wallets


Table 6-3: Mobile Payment Methods, 2012


It's a generational issue more than a financial one


Table 6-4: Mobile Payment Methods: Analysis by Gender, Age and HH income, 2012



Payment cards prevailing funding option, followed by bank account and PayPal

Table 6-5: Mobile Payments Funding Sources, 2012


Youth and money


Table 6-6: Mobile Payments Funding Sources: Analysis by Gender, Age and HH income, 2012



Past 12 months vs. next 12 months: mobile payment, deposit and communication methods

Current state of affairs


Future state of affairs


Graph 6-1: Mobile Payers' Mobile Payment, Deposit and Communication Methods:


Current vs. Intended Use, 2012



Interest during next 12 months

Interest more prevalent among smartphone users


Table 6-7: Interest in Mobile Phone Payment, Deposit and Communication Methods in Next


12 months: Mobile Phone, Smartphone and Non-Smartphone Users, 2012


Mobile bankers and mobile payers express similar interest


Table 6-8: Interest in Mobile Phone Payment, Deposit and Communication Methods in Next


12 months: Mobile Phone Users, Mobile Bankers and Mobile Payers, 2012



65+ smartphone users could benefit from barcode scanning app

Table 6-9: Interest in Mobile Payment by Text, Barcode Scan and Web Browser in Next 12 Months: Smartphone Users vs. Non-Smartphone Users by Demographic, 2012



Hispanic intention to tap phone at POS lags average

Table 6-10: Interest in Mobile Payment by App, POS Tap and Picture Bill Payment in Next 12 Months: Smartphone Users vs. Non-Smartphone Users by Demographic, 2012


Intended use of picture check deposit among 35-44s lag average


Table 6-11: Interest in Picture Check Deposit and Two-Way Alerts in Next 12 Months: Smartphone Users vs. Non-Smartphone Users by Demographic, 2012



Chapter 7: Consumer Interest in Mobile Phone Financial, Promotional and Shopping Enhancements


Summary analysis




Mobile Phone Financial and Promotional Organization


Mobile Financial and Promotional Organization Tools: Current Use and Future Use

Graph 7-1: Mobile Payers: Current and Future Use of Mobile Financial and Promotional Organization Tools, 2012



Non-smartphone users interested, too

Table 7-1: Interest in Mobile Financial And Promotional Organization Tools in Next 12 months:Mobile Phone, Smartphone& Non-Smartphone Users



Mobile bankers most apt to express interest in variety of methods

Table 7-2: Interest in Mobile Financial and Promotional Organization Tools in Next 12 Months: Mobile Phone Users, Mobile Bankers and Mobile Payers, 2012



Mobile Phone Shopping Enhancements


Mobile Shopping Tools: Current Use and Future Use


Stop using that cell phone to find a better offer and then shop elsewhere!

Keep them in the store and upsell them


Comparing prices while shopping a popular phenomenon


Graph 7-2: Mobile Payers: Current and Future Use of Mobile Shopping Tools, 2012



Non-smartphone users interested, too

Table 7-3: Interest in Mobile Shopping Tools in Next 12 months: Mobile Phone, Smartphone and Non-Smartphone Users, 2012



Mobile banker interest suggests platform development route

Table 7-4: Interest in Mobile Shopping Tools in Next 12 months: Mobile Phone Users, Mobile Bankers and Mobile Payers



Chapter 8: Mobile Payments Strategies: Card Associations


American Express


Payment diversification

Prepaid moves


Filling a void


Strong consumer value proposition



Bluebird takes flight

Part of the digital wallet




Tapping younger, affluent customers


Building use base via partners with large customer bases






Funding agnostic


P2P and other nifty things


Bridging online and offline


Personalized offers


My Offers personalizes daily deals


Go Social


Location-based SMS text messaging for feature phone users


Location-based offers for iPhone on the way


Loyalty automation



Serve revenue

Table 8-1: Serve Revenue Drivers and Cost Drivers



Discover Financial Services, Inc.


Discover building significant relationships

Alternative payments strategy


PayPal card


Google Wallet card









PayPass Wallet Services

PayPass network remains very small



MasterCard inControl: Security, financial control and awareness


The bigger picture: EMV is the key

Strong on security


Weak on adoption





Priority 1: driving consumer adoption


Rollout with major banking and retail partners makes huge splash abroad


Visa mobile payments relationship building


Chapter 9: Mobile Payments Strategies: Digital Leaders


Introductory competitive analysis


The mobile payment solution with the most users wins?

Table 9-1: Leading E-Commerce Mobile Payments Players: Consumer Usage Metrics



Who has the fee edge?

Table 9-2: Leading E-Commerce Mobile Payments Players: Merchant Processing Fees



And how/where do I pay?

Table 9-3: Leading E-Commerce Mobile Payments Players: Payment Options



New technologies at the point of sale

Table 9-4: Leading E-Commerce Mobile Payments Players: POS Payment Method



Amazon Payments


Drawing from an enormous consumer usage base

Table 9-5: Website Monthly Usage Penetration and Visits per Month, 2007-2012


Checkout by Amazon


Checkout by Amazon Mobile


Amazon Simple Pay


Amazon WebPay


Amazon Mobile Payments Service


Flexible Payment Services


Pricing and fees


Table 9-6: Amazon Payments: Fee Structure, 2012






Dipping a toe in offline space


NFC still not on the menu, but perhaps fingerprints are?


Missing pieces



The iTunes connection

400 million accounts worldwide


Millions of highly engaged U.S. users


Who align well with smartphone demographic


Table 9-7: iTunes Annual, Weekly and Daily Usage Population and Demographic Analysis, 2012



Key mobile technology groups likely to use iTunes

Table 9-8: iTunes Annual, Weekly and Daily Usage Penetration and Population Universe: By Cell Phone Owners, Cell Phone Data Plan, Android and iOS Users, App Downloaders, Tablet Owners, and Online Bankers, 2012


Graph 9-1: iTunes Annual, Weekly and Daily Usage Penetration: By Cell Phone Owners, Cell Phone Data Plan, Android and iOS Users, App Downloaders, Tablet Owners, and Online Bankers, 2012



Google Wallet


Wallet 1.0: lots of fanfare; little success


Wallet 1.5: putting it in the cloud

Calling all cards


Save to Wallet feature



Online/offline integration: Enter the virtual prepaid card

Online purchases: ubiquity, courtesy of MasterCard


In-store purchase limited by NFC


Security enhancement


Wallet 2.0: Leapfrogging NFC with a physical card


Thank you, Discover


The interchange issue: Google loses on transaction revenue





Direct to carrier billing payments strategy; digital content focus

Providing opportunity for Facebook App Center


15% of revenue from payments


Mobile active users set to top 500 million


Graph 9-2: Facebook Mobile Active Users and Average Revenue Per User, 2011-2012



Groupon Payments

Very attractive pricing




The best pricing: no interchange


Incentive programs, merchant partnerships and user base


LevelUp makes its money from added-value analytics


Merchant-driven customer discounts


Addressing security concerns


Table 9-10: LevelUp Security Summary





Bill Me Later




100 million accounts and counting


The PayPal P2P usage base


Online and mobile capability


PayPal Wallet


PayPal Here: POS solution


The Discover network connection


The card you use to pay matters: lower interchange = better for PayPal


Location-based mobile advertising


Addressing fraud


Square, Inc.


How much it costs

Table 9-12: Square Pricing Options and Fees



How it works

Open tab feature


Loyalty tracking






Square Card Reader


Square Register



Starbucks breaks it wide open




Chapter 10: Mobile Payments Strategies: Processors and


POS Solution Providers


Heartland Payment Systems


Going Mobuyle


Penetrating higher education




Leveraging relationships to build an integrated platform

Table 10-1: Fiserv Customer Relationships, by Payment Method and Device



Electronic banking


Electronic bill payment and presentment


Digital channels


P2P opportunity


2010 P2P launch


2011 Popmoney integration

Demand surging


Fast transaction execution


Integration with bill payment



Spot Pay: Setting sights on Square and PayPal


Windows 8 Digital Banking




1 million NFC terminals shipped


Terminal upgrades coming


Straddling emerging wallets


Chapter 11: Mobile Payments Strategies: Mobile Network Operators




230 million accounts is a nice start

Table 11-1: Verizon, AT&T, Sprint and T-Mobile Subscribers, ARPU and Service Revenue, 2009-2011





A challenge to the payment networks

Open wallet approach


Table 11-2: Isis: What's in the Wallet and How It Works


Off the ground after delays



Chapter 12: Mobile Payments Strategies: Retailers


Merchant Customer Exchange

Wal-Mart testing





Starbucks takes the barcode route


100 mobile million transactions and counting


Stored value card foundation




Square partnership—a Square investment


Restaurant chains




Dunkin Donuts




Consumer survey methodology


Market size and forecast


Report table interpretation




Terms and definitions

Explanatory tables


Table: Appendix – 1: Mobile Phone, Smartphone, Non-Smartphone, Mobile Banking and


Mobile Payments Users: 2012


Table: Appendix – 2: U.S. Cell Phone Ownership/Use, by Demographic: 2012 Survey Comparison




To order this report:

: Mobile and Alternative Payments in the U.S., 3rd Edition




Nicolas Bombourg
Email: [email protected]
US: (805)652-2626
Intl: +1 805-652-2626


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