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MPE 2019, FEB 19-21 in BERLIN

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mPOS World 2015 summary

Brief information

The third annual of the mPOS World 2015 was again a great opportunity to discuss upcoming trends and implementation difficulties. With over 200 hundred mPOS professionals there was a great space to network and establish news key partnerships.

Event in numbers
  • Attendees: 214
  • Speakers: 39
  • Sponsors & Exhibirors: 14

Summary

The third annual of the mPOS World 2015 was again a great opportunity to discuss upcoming trends and implementation difficulties. With over 200 hundred mPOS professionals there was a great space to network and establish news key partnerships.

Said in numbers, we have seen 2-day conference with 214 participants, 39 speakers and 14 sponsors & exhibitors.

mPOS providers, acquirers, PSPs, MNOs, retailers, app developers, POS HW and SW providers, loyalty & security providers and cards schemes were discussing what ar the mPOS hot trends, its implementation challenges, business models and its impact on both micro-merchants and large retailers.

We are looking forward to seeing you in Frankfurt for the mPOS World 2016!

The team of Empiria.

Chairmen summaries

Remarks on Conference Day 1 & Day 2 Stream A by Gary Munro, Principal Consultant, Consult Hyperion

Gary is a Principal Consultant, who joined Consult Hyperion from Gemalto where he led their Point of Sale (POS) Division in the UK and the Republic of Ireland, prior to and during its acquisition by VeriFone. He has over 25 years experience in electronic payments, with over 11 years experience of tailoring point of sale solutions to meet the specific requirements of the larger UK Acquirers, including Worldpay and HSBC Merchant Services. Since joining Consult Hyperion, Gary has led Consult Hyperion’s Mobile POS (mPOS) activities, advising retail banks and start‐ups on the hardware and software solutions that best meet their commercial and functional requirements. In parallel he has helped Payment Schemes to define their functional and security requirements for mPOS devices and services, authored EMV contact and contactless card and terminal specifications for major payment schemes and helped the Mobile Network Operators with their payment focused TSM services.

Summary of Day 1

„On day 1 of mPOS World 2015 we focused on four key areas, the mPOS Ecosystem; Innovation in mPOS; the role of contactless / NFC in mPOS and the challenges in integration and deployment. These generated some fascinating insights into how the mPOS industry is maturing. I took some soundings from the delegates as to the main learning points they took from the day, which proved revealing. There were no ‘hype curves’ presented, instead we saw real data and understanding of the mPOS marketplace. We also saw how the leading industry players were redefining the market place, with greater levels of segmentation, in both the devices and solutions on offer. mPOS is no longer just about the micro-merchant, it has a role to play in all levels of the retail space. We witnessed solutions targeted at specific retail segments including: micro; small; medium and large merchant solutions. Is mPOS the right name for the industry now? With more in store solutions emerging based on mobile; tablets or dedicated hardware perhaps Smart POS is what the industry really is about.

In discussion the mPOS Ecosystem, we saw real growth in mPOS penetration and use. It is not yet threatening traditional POS, but it offers more to the merchant in delivering solutions specific to their business. There has been a large number of entrants into the mPOS space, but rather than fight over the same space, each is focusing on their particular area of expertise. Winners in the mPOS space will be focused on their merchants and delivering value to them.

As we looked at Innovation in mPOS we saw the emerging of apps & API’s. The ability to provide value added services, particularly around loyalty and rewards programs in a seamless way. There was much talk on the optimum strategy, with dedicated hardware solutions arriving, providing they are targeting particular segments, new merchants, then there is a strong chance of success, however the focus is on the merchant / consumer relationship, not the payment itself.

Contactless / NFC presents both a challenge and opportunity for mPOS. For the device manufacturer there is the challenge of integrating the technology into the confines of the smaller mPOS devices, whilst maintaining an effective price point. Difficult with the levels of regulation and certification currently required. Apple Pay was much discussed, the use of the mobile device for payment can only help raise the awareness of the mobile as a payment mechanism.

Generally mPOS solutions are targeted at the smaller merchant segment, with limited reach to the larger merchant. This was highlighted when we explored the challenges in integration and deployment. Here we saw that large system integration is complex and time consuming, but there are success stories emerging. Deployment continues to be an issue at micro-merchant level, with banks not considering the micro-merchant, leaving this to dedicated solution providers such as iZettle; PayLeven; SumUp; etc to resolve the challenges of this space."

Summary of Day 2 stream A

„In Day 2 Stream A we focused on Merchants exploring the digital interaction in store and looking to understand the merchants decision criteria in choosing mPOS. The advent of mPOS or more particularly the separation of the payment from the user experience is freeing up the merchant, allowing bespoke development of solutions focused on how the merchant interacts with their customers. This can be from simple queue busting, to a complete change in the customer merchant interaction, moving the point of interaction from the check out to when the customer enters the store, or even before. We saw how merchants were using mobile, tablets and apps to provide their customers with product information, instant stock responses. Interestingly the retail experience is being seen as a more social activity.

On understanding the merchant decision criteria, we saw how TouchBistro were bringing real benefits to the merchants through mPOS. Removing the pain points for the end consumers, creating better relationships and increasing revenue. We also discovered the need for the support systems to keep the merchant operational and grow the reputation of the solution. The star of this session was Sabine Seitz, a genuine merchant from Frankfurt. Hearing Sabine speak of the difficulties of finding information about suitable solutions for her business should be a salient warning to us all, there is still work to be done in getting the message to the merchant base who are looking for solutions. However the positive is that once she found the solution which met her needs, it was quick to set up and get her business going. A fascinating insight to end an entertaining session."

Gary Munro
Chairman of the first & the second conference day


Remarks on Conference Day 2, Stream B by Janusz Diemko, Independent Payment Consultant, JD Consulting

Janusz has over 16 years of experience in the transaction and payment processing industry. From 2006-14 he was CEO / President of the Executive Board at First Data Poland (previously POLCARD). He managed the sales process of the company by G-Tech/Innova Capital to First Data, subsequent integration of the company into the global organization and its subsequent growth. He was also Regional Director for Germany and Austria, and previously Hungary, Czech Republic and Slovakia. From 2006-14 he was also the Chairman of Committee of Polish Acquirers under the auspices of the Association of Polish Banks and was a member of the Payment System Committee at the National Bank of Poland.

From 1998 to 2006 he was employed at Euronet both in Poland and EMEA, in a variety of roles including Finance Director and MD of Poland, M&A Director for EMEA and Market Development Manager (Russia, Ukraine and Baltic states) where he setup the Ukrainian ATM business and a JV in Russia.

Born and educated in the UK – graduated in Geography at University College London, qualified as a chartered accountant (ACA) and is a member of the Association of Corporate Treasurers ACT. My motto is “Winning is not the most important thing, the will to win is”

Summary

„Day two of the conference focused on Profitability and Scale, MPOS acquiring solutions, partnerships with telecoms operators in the Mpos world, and concluded with two studies around MPOS use cases in Asia.

Micro merchant profitability was viewed as difficult to achieve without focus on appropriate segmentation of merchants, low cost of acquisition thru partnerships or internal efficiencies, and ultimately providing a compelling merchant proposition. BLIK showed how alternative payment methods may disintermediate hardware based solution in the near future as was confirmed by the Asia case study as issuers are looking for a way to leapfrog card issuance to convenient mobile payment methods. To achieve success its required to adhere to strict project management and fail fast to allow flexibility in changing the approach to the market.

The significant advantages of cloud based tablet ECR solutions and plethora of choices of partners are the future of retail systems. The discussions suggest a strategy of concentrating on certain market segments, offering easy to use software backed up by excellent customer service and support; noting that it is primarily an ECR system proposition with payments integrated and not a payment solution. Partnerships with processors and acquirers can help to achieve distribution reach and faster sales growth.

MPOS solutions are no longer a separate payment proposition but part of the payment solution offered to merchants for segments such as micro and small merchants, in segments diverse as delivery, transport, insurance and retail queue busting solutions. NFC acceptance is now becoming important and MPOS solutions will also need to be fully integrated with ECR and other systems and also specialized mobile hardware, with both high quality service and great customer support. MPOS will need to offer acceptance of all payment methods, including m-wallets, alternative payments and in the future may not even be hardware based.“

Janusz Diemko
Chairman of the second conference day, stream B

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