HP Cards & Payments ASIA 2012
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Transcript of HP Cards & Payments ASIA 2012
© Copyright 2012 Hewlett-Packard Development Company, L.P. 1
©2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice ©2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice
PREPAID CARDS IN ASIA PACIFIC
Ed Herman
Senior Director, Global Cards & Payments
CARDS & PAYMENTS ASIA 2012
© Copyright 2012 Hewlett-Packard Development Company, L.P. 2
Bartering
Shells
and
Beads
Coins
Paper Money
Checks /
Bank Drafts
General
Purpose
Charge Cards
600 BC 600 AD 1700
e-purse Gift Cards
Debit Cards Virtual
Payments
M-commerce
M-Coupons
M-Banking
Mobile
Wallets
M-POS
NFC
QR Codes
Social Media
Digital
Wallets
P2P
Remittance
Consumer
Charge
Card
1950 1990 2000 1980 1900
3-D
Secure
Branded Contactless
Augmented
Reality
Cloud
Payments
Multi-bank
Networks
Prepaid
Phone Cards
Multi-application
Government ID
Most of the recent payment innovation has direct relevance to prepaid
© Copyright 2012 Hewlett-Packard Development Company, L.P. 3
Over the next 5 years, the greatest growth is expected to be experienced by
contactless, mobile and prepaid products.
Edgar, Dunn & Company
Prepaid/gift cards plus alternative payments (e.g., PayPal, Google, Amazon)
are taking market share from credit & debit cards.
Bernstein Research
Prepaid credit card use is predicted to more than triple between 2009 and
2017, growing from $120.2 billion to more than $440 billion.
Boston Consulting Group
Prepaid/gift cards plus alternative payments (e.g., PayPal, Google, Amazon)
are taking market share from credit & debit cards.
Bernstein Research
Prepaid credit card use is predicted to more than triple between 2009 and
2017, growing from $120.2 billion to more than $440 billion.
Boston Consulting Group
© Copyright 2012 Hewlett-Packard Development Company, L.P. 4
Closed Loop: • Phone Cards („76) • Gift Cards („94) • Transit e-Purse („97) • University Meal Cards • Low Value P2P
Branded / Reloadable (GPR)
Multi-Use Cards • ID, Access, Prepaid • University ID + Branded Prepaid • Transit (MiFare) + Visa/MasterCard
Phone Cards
Gift Cards
Transit
University Meal Cards
Multi-Application/Multi-Purpose Cards
TaiwanMoney Card Malaysian MyKad
Low Value P2P
General Purpose Reloadable (GPR)
© Copyright 2012 Hewlett-Packard Development Company, L.P. 5
• Introduced on 5 September 2001.
• The first country to use an ID card that incorporates
both photo ID and fingerprint biometric data on an
in-built computer chip embedded in a piece of
plastic.
Functions available in MyKad are:
• Identity card, including fingerprints and photo
• Driving license information
• Storage for health information
• e-cash
• ATM integration
• Toll road tolling system and also public transport
payment system
• Digital certificate (PKI)
MALAYSIAN MYKAD
• Launched in September 1997
• Mass transit plus retailers, on-street parking meters, car parks, and other POS applications such as service stations and vending machines.
• Used as access control cards in buildings and for school administrative functions. At certain office buildings, residential buildings, and schools, the card is required for entry
• >25% of transactions were non-transit related.
• > 20 million cards in circulation; 95% of the population of Hong Kong aged 16 to 65
• >11 million daily transactions
HONG KONG OCTOPUS
© Copyright 2012 Hewlett-Packard Development Company, L.P. 6
¥
• Multiple currencies.
• Separate balances for each currency.
• Ability to exchange between currencies.
• Transact in local currency.
• Dynamic exchange to fund purchases when insufficient local currency.
• Dynamic exchange from multiple currencies simultaneously.
Emerging as a preferred payment channel for travellers
© Copyright 2012 Hewlett-Packard Development Company, L.P. 7
Business /
Academic • Building Access
• T&E
• Vending/Cafeteria
• Virtual Security
• Payroll
• Identification
Financial
Services • Credit Card
• Debit Card
• Prepaid
• Multi-currency
• Financial Management
• Merchant Offer Database
Retail • Loyalty & Rewards
• Payments
• Merchant Offer Database
• Shopper Profiles
Transportation • Automated Fare Collection
• Travel Card
• Multiple Currencies
• Destination Deals – city nights, link origination city
• Airport Services – Customer Satisfaction
Health
Care • Insurance Card
• Eligibility
• Authentication
• Medical Records
VIP Customer ¥
Both Physical and virtual via Mobile
Wallets
Creating the indispensable card for consumer
© Copyright 2012 Hewlett-Packard Development Company, L.P. 8
Cloud Payments
QR Codes
Mobile Apps
Crowd Sourcing
Mobile Wallets
Mobile Payments
Expansion of Market Segment
Integrating Marketing and Social Media
Evolution of Mobility
New Technologies
Commercial Prepaid
Augmented Reality
© Copyright 2012 Hewlett-Packard Development Company, L.P. 9
• Simple, easy to use. • Enriches customer
experience • Device agnostic
• Globally available • Free to user • Value to all participants
What will be the next major life style change?
Point your Mobile to the billboard
© Copyright 2012 Hewlett-Packard Development Company, L.P. 10
• Simple, easy to use. • Enriches customer
experience • Device agnostic
• Globally available • Free to user • Value to all participants
What will be the next major life style change?
The APP recognizes the image and starts a predefined routine
© Copyright 2012 Hewlett-Packard Development Company, L.P. 11
The APP recognizes the image and starts a predefined routine
Click the “Buy” button and your order is placed using the default details from your cloud based wallet
© Copyright 2012 Hewlett-Packard Development Company, L.P. 12
Click the “Buy” button and your order is placed using the default details from your cloud based wallet
© Copyright 2012 Hewlett-Packard Development Company, L.P. 13
View Ting Tings album at www.aurasma.com/news/2012/02/24-enginecreative
Current Example from www.aurasma.com
© Copyright 2012 Hewlett-Packard Development Company, L.P. 14
What is YOUR advantage?
HP solutions make life easer in ways you’ve probably never considered
HP supports more than 5.6 million desktops, 2+ million smart phones, and 15 million IP addresses
We perform 2.4 billion healthcare transactions annually
We detect and quarantine more than 3.1 million viruses annually
We manage more than 100 PB of online data in 60 countries
We process over 13.3 billion credit card transactions annually in countries across the world
13.3 billion credit card
transactions
>100 PB online data in
60 countries
2.4 billion healthcare
transactions
3.1 million viruses
detected
© Copyright 2012 Hewlett-Packard Development Company, L.P. 15 © Copyright 2012 Hewlett-Packard Development Company, L.P.
THANK YOU