MPE 2021 > SAVE THE DATE > 23-25 Feb 2021


mPOS World 2013 summary

Brief information

Based on our market analysis the majority of the current mPOS providers (55%) launched their solutions in 2012. In the meantime, mPOS has become more than a trend.

Event in numbers
  • Attendees: 220
  • Speakers: 32
  • Sponsors & Exhibirors: 7


In June 2013, Empiria Group organized the 1st ever global mPOS conference and exhibition in Frankfurt.

Based on our market analysis the majority of the current mPOS providers (55%) launched their solutions in 2012. In the meantime, mPOS has become more than a trend. It cannot be ignored anymore – the ecosystem with new players has emerged and continues to challenge and innovate payment industry market.

And the numbers of this first ever mPOS conference say it all: 220+ mPOS providers, acquirers, PSPs, MNOs, retailers, app developers, POS HW and SW providers, loyalty & security providers and cards schemes were eager to join the new mPOS community and meet with other mPOS providers, network and overall benefit from the market potential.

What is seen as the most urgent for the mPOS players right now is the need to separate hype from reality, to assess the mPOS market potential and to build a viable business case...

The outcomes from the event were covered by leading European industry magazines Payments Cards & Mobile and Card & Payments World.

See you next year at the mPOS World 2014!

The team of Empiria.

Chairmen summaries

Remarks on Conference Day 1 by Joel Van Arsdale, Partner, First Annapolis

Joel Van Arsdale, a Partner with First Annapolis manages the firm’s business in Europe including a personal specialization in payment acceptance. Joel advises acquirers, processors, and other payments service providers throughout Europe on business strategy, mergers and acquisitions, and partnership formations. Joel also advises retailers on credit issuing and payment acceptance strategies. Joel’s experience in payment acceptance and processing spans the globe and he is a frequent author and speaker on the merchant acquiring and PSP marketplace. Joel advised clients on a number of the market’s most influential transactions. Prior to joining First Annapolis in 2003, Joel advised financial services clients at Ernst & Young LLP, first with the Risk Management & Regulatory Consulting practice then with Quantitative Economics & Statistics practice where he advised clients on risk management and business strategy. Joel also held positions in the manufacturing and non-profit industries. Joel received his M.B.A. with academic distinction from the University of Virginia's Colgate Darden Graduate School of Business Administration and graduated magna cum laude with a B.A. in economics from the Emory University.


„Thank you all for joining us on the first day of mPOS World congress on 24 June. We hope that each of you enjoyed what I found to be an excellent agenda and great delivery by the day’s speakers. Thank you especially to the speakers who universally delivered rich, audience-focused content on time and with passion. The day started with an introduction to the mPOS marketplace. Peter Turner (CreditCall) kicked-off the discussion with an excellent description of the critical building blocks of an mPOS solution. Christian Deger (payworks) then introduced us to a real-world example of “POS in a mobile” functionality with partner opentabs. It was clear after this first session, that the promise of the market is impressive and inspiring, but that we see just tip of the iceberg today.

Deutsche Card Services and Credorax presented the acquiring perspective on mobile POS with a focus on mPOS facilitators as channel partners. mPOS product leaders from Visa and MasterCard, along with security expert Neira Jones, then provided an overview of compliance and security standards in the mPOS market. While I am encouraged by the card scheme’s commitment to the market, it is also clear in Europe that there is a tangled net of compliance standards which slows the pace of development in mPOS.

The middle of the day was spent discussing the detailed inner-workings of an mPOS solution, including hardware security, application deployment, and point-to-point encryption. Experts from Thales, Pay.On, and Handpoint walked us through the complex and evolving technology that underpins the mPOS proposition. The ensuing panel discussion concluded that the complexity of hardware security, and particularly with PIN enablement and protection, is one factor slowing the pace of development of the mPOS marketplace.

The last session, driven by Ingenico, iZettle, WorldPay, and Adyen, inspired a positive end to Day One, as each of these market leaders described tangible and impressive success with mPOS products. We discussed and debated the critical topic of business case (i.e., profitability) and how providers are working to expand the revenue base and operating scale to achieve strong profitability. Lastly, the final session explored the critical topic of multi-channel and the importance of mPOS as a component of a broader, omni-channel solution.

Overall, Day One reinforced that mPOS is a product and marketplace with great promise, and that we should be encouraged by the success already evident, but so too that there are clear challenges (compliance and hardware complexity, etc.). In the end, we can conclude that the future is bright for those providers that develop simple yet robust solutions within a complex environment and then distribute these solutions using a model that achieves scale and revenue breadth.

Regards, "

Joel Van Arsdale
Chairman of the first conference day

Remarks on Conference Day 2 by John Berns, Managing Partner, Accourt Ltd.

John Berns, Managing Partner of Accourt, has considerable experience in payments spanning more than two decades, covering areas such as acquirer processing, new product development, as well as alternative payment types such as ACH. He was Senior Vice President of Marketing at Visa International before joining Accourt, and since has worked worldwide for a broad range of major companies, including many leading retail banks, the major card schemes, terminal vendors, MNO’s, retailers as well as multi-stakeholder industry associations. He has assisted numerous central banks and interbank committees across Europe and the Middle East and Africa in setting up domestic processing systems, with a focus on the successful deployment of consumer facing technologies that deliver innovative and effective payment solutions. John is very familiar with the merchant acquiring market and particularly the role of intermediaries like PSP’s and payment gateways, together with the current innovation that is taking place in the mPos space. He has worked at a senior level with many of the global players across a wide range of strategic and operational projects.


„It was an absolute pleasure to chair day 2 of mPOS World and the quality of the presentations, speakers and panel discussions further developed the excellent audience participation seen in day 1 of the conference. The focus of day 2 was mPOS, Loyalty and Value Added Services and commenced with informative case studies from around the world. The opening presentations and panel discussion served to show that there is considerable appetite for mPOS from mature and emerging markets and the deployment bridges sophisticated merchant’s such as Car Dealerships, Hotels and Restaurants as well as the micro merchant community, such as tradesmen and mobile hairdressers. We were also introduced to the powerful link between micro financing and mPOS and learned how mPOS was improving the lives and business performance of micro merchants in Latin American markets.

In session 2, many of the earlier themes were reinforced and we learned that merchant appetite is building although the importance of activating the merchant and reinforcing usage is critical. We also heard that price sensitivity is a key component and creative ways of charging for mPOS solutions need to be considered for the various segments. We also learned that well executed implementations of mPOS take around 3 to 4 months although consideration for scheme testing such as Visa’s ADVT and MasterCard MTIP need to be factored in. There was much discussion around mobile wallets and we learned that a great deal of the motivation is coming from large retailer groups who want a holistic mPOS and mobile wallet solution that is less costly than current card options. The example demonstrated by Yapital (part of Otto group) showed loading of the wallet through traditional means such as cards and settlement the purchase through the local ACH direct debit system.

In session 3 we explored Value Added Services and Apps and learned that this is the new battleground and point of differentiation. It appears that the hardware, interfaces and ergonomic design are all pretty much complete and through the discussions it became clear that there is an abundance of apps and MI capability available. That said, the panel did advise and acknowledge that there are some common core features that merchants and consumers wanted. On the merchant side the key features are; Inventory capability, access to reconciliation information and MI data through a secure portal and loyalty schemes as well as voucher redemption capability. On the consumer side the important factors seem to be; speed, security, rewards and good customer service.

The last session of the day explored Loyalty and it was particularly rewarding to have representation from the retail community in the guise of Metro systems. During this session we learned that Retailers are concerned about losing share to the payment disrupters like; Apple, Google, Facebook, EBAY and Amazon and are looking to defend and grow share through forging strong strategic alliances. Reference to MCX in the US was made and it is expected that similar alliances will be forged in Europe in the near future. Summarising the loyalty discussion there was unanimous acceptance that the key components to customer loyalty were; understanding the customer; delivering great customer service, as well as recognising and rewarding desired behaviour though targeted and consumer valued offers. Loyalty is more of a journey rather than an app you buy form your provider!

I am pleased to conclude the conference on time and look forward to welcoming you back next year“

John Berns
Chairman of the second conference day

MPE History