150325_테헤란로 커피클럽_앱 애니(app annie)

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핀테크결재앱시장의글로벌동향및전망

(FinTech Payment App Market Global Trend in 2015)

Startup Alliance Key Note2015. 3.25

Doyle Chung (정도일한국지사장)

Ⓒ App Annie 2013대외비 - APP ANNIE 소유 | 배포 금지대외비 - APP ANNIE 소유 | 배포금지 | © 2015

Is Fintech Market a Big Giant?

2


세계 10개지사에 300여명근무

3

전세계 10개지사에서급성장

$ 94M (Series D) 규모의투자유치성공기업

미국 중국 미국 글로벌 일본

NEW YORKAMSTERDAM


App Store 분석및시장데이터 1위

App Annie 제품은상위 100위퍼블리셔중 90%가사용하고있으며*

등록된기업사용자는 35만명을넘습니다.

* App Annie Store Stats를사용하는세계상위 100위퍼블리셔기반 iOS와 Google Play의침투율 90%(2014년 11월). 4


App Annie 제품: 업계표준

5

판매중인앱의수익과다운로드수,

별점리뷰를분석

67만 5천여개앱분석

모든앱의순위와가격매일추적

앱 580만개이상

Analytics

Store Stats

Intelligence

App Annie 지원앱스토어

국가별, 카테고리별앱전략수립가능

상위 10위퍼블리셔중 9명이구입

이외 15개이상


본프레젠테이션은 App Annie Intelligence 기반으로제작됨

앱스토어가이용가능한시장데이터중최고정확도를자랑

appannie.com/intelligence

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Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014 Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014 Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014 Confidential l Property of App Annie l Do Not Disclose l © App Annie 2014

Global Players in Payment Apps

- 13 Payment Apps in Dec. 2014 among 100 Apps (Finance categories of GP

& iOS)



Payment App is a key mobile service

• The downloads of top 5 payment apps 31% growth year over year in the year of 2014

0

20

40

60

80

100

120

140

December 2013 December 2014

Ind

exed

Do

wn

load

s

YoY Download Growth of Top 5 Payment Apps

+30%



Payment App Service by Categories

• 1. Internet / e-commerce firms (services extended to mobile):

• 2. Native mobile payment firms (start-up, mobile focused):

• 3. Mobile carrier (could connected with direct carrier billing):

• 4. Credit card organization:

• 5. OS developer / device maker:



Messaging Platform is strong bridge

• 1. Messaging Apps which provide payment service in an individual app

Kakao Bank Wallet

LINE Pay (on Google Play)

• 2. Messaging Apps which provide payment service as a feature of the original app:

WeChat

LINE (on iOS)

Snap Chat



Traditional Banks joined Payment Apps but gained

less attention by customers

Chase QuickPay & Citi Popmoney

But:

• Their User experience are not

comparable to those made by

Internet/ mobile firms

• Typically, transactions are limited

to between customers of the

same bank only



Beyond payment apps, there are also system level

payment solutions!

Systematic solution provided better security (e.g. TouchID and On-Chip to save

credit card information) and better user experience



Or, mobile payment could be very easy, like

through SMS technology

M-PESA in Kenya started 7 years ago; It is a money transfer solution simply

based on SMS



Different origins, leading to

different functionalities focus

Online Transactions:• to pay for online transactions for both real and virtual goods thru Apps

Paypal to pay for good on eBay

Use Apple Pay to buy in iTunes Music Store

Offline Transactions:• to pay for offline transactions in brick and mortar stores thru Apps

Alipay to scan a QR code in a Taxi to pay for the ride

Apple Pay though NFC to pay for clothes you bought in a Zara store

(Offline ecosystem building is the key)

Peer to Peer Transactions:• to transfer money to individuals like friends and family members thru payment Apps

Venmo to transfter money to a friend who paid the dinner for you thru Payment App

(Network effect is the key)



Payment by Functionalities

Payment App Online Transaction Offline Transaction P2P Money

Transfer

Alipay

Paypal

Venmo

WeChat

LINE Pay

Google Wallet

Apple Pay

Visa QIWI Wallet

Citi Popmoney

Square Cash

au Wallet



What is the Next Step for Payment Apps?

To be a prevailing services, payment apps/ services needs to

invest in ecosystem

• Increase online points of sale

• Increase offline points of sale

• Provide alternative solutions for cash (P2P money)

• Improve user experience

• Increase availability to customers


감사합니다!

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