20140415 智慧支付工具與創新應用
DESCRIPTION
當傳統支付工具和行動裝置結合變身成聯網的支付工具時,服務提供商可以透過不同的溝通管道隨時提供最好的消費體驗服務,促成服務提供商和消費者相互滿意,不同支付工具的應用更可連接後端的大數據分析,結合不同媒體傳播更有效的傳遞給消費者購物及資訊獲得。消費者更能透過智慧支付應用來自我管理、分析及控制預算。TRANSCRIPT
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支付機制的演進
Cash/Checks
Magnetic Stripe
Contactless
Chip
Over the Air
Car parking
Vending machines
Peer-to-Peer
payment
Ticketing
Plastic bank cards
Exxon Speedpass
fob
PayPass enabled
chip in Mobile
Phone
1
2
3
4
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消費習性的改變
Off – Line
面對面交易
On - Line
Mobile
On - Line
Mobile
O - 2 - O
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智慧型手機支付 + 實體消費的特性
Consumers now expect payments to be as
easy, fast, secure and accessible as the
rest of their lives.
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Transforming Digital Payments
https://www.youtube.com/watch?v=ehkYyVuWMYI
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由渴望到購買的過程Smart Phone 到 smart Shopper
廣告 慾望
Intent
找尋 哪裡有
Discovery
購買比較 哪個好
Shopping
哪裡買
Buying
如何支付
Pay
服務口碑
Post-sale
TV -> Social
DM -> 導購
比性能 比功能
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7http://tag.microsoft.com/tag-in-action/success-story/t/mobile_e-commerce_infographic.aspx
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串連智慧生活服務
Online – Offline
Anywhere, Anytime
NFC tag
QR Code Bluetooth Barcode
生活中服務Services
Access
訊息傳播管道
持卡人智慧型手機支付Mobile Wallet
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智慧生活應用總成
Health Care
ProvidersGovernment Merchants
Financial
InstitutionsTelco
Service
Providers
Ecosystem
Aggregator
Traditional Mobile Wallet
Geo
FencingMaps Location
Bar/QR
CodesBluetooth NFC
Tags/
Smart
Poster
Mobile
Imaging
Seamless integration of technology to provide rich user experience
Push
NotificationAugmented
Reality
Integration point for mobile user interaction
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Context Awareness –Geofencing Technology
https://www.youtube.com/watch?v=l4YsXOcht4s
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觀察趨勢
• O2O的需求大
• 安全快速的支付是基本要求
• 小螢幕需要簡化個人資料輸入
• 提高特店行業差異化
• 行動裝置簡化、降低經營成本
• 能掌握客戶,更進一步了解客戶習性
虛實已然沒有界線,比價廉物美服務好之外,更要比實體的體驗、便利與品牌
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能更簡單的發現自己想要的商品,得到各種優惠資訊
店鋪的氛圍及優惠產品,促銷活動資訊的有效傳遞
顧客商店
智慧手機的普及,使商店和顧客間的交流更方便,容易
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新加坡 StarHub Wallet
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新加坡 StarHub Wallet
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Smart Tap一次感應完成Coupon + payment +紅利累積
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即時簽單控管預算支出
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日本美髮沙龍Bar-code 會員卡 + EC
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屈臣氏
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北京交通一卡通簡單便利解決儲值不易的問題
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Mobile Payment
Enabling
Technology
Adverting
marketing
Security
Commerce
Loyalty
Social
Analytics
Big Data
Location
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Enabling
Technology
Social
Location
Commerce
SecurityLoyaltyAnalytics
Adverting
/marketing