PŁATNOŚCI MOBILNE WOJNA GIGANTÓW MARIUSZ GLINSKI DEPARTAMENT BANKOWOŚCI ELEKTRONICZNEJ RAIFFEISEN BANK POLSKA S.A.

W CIĄGU NAJBLIŻSZYCH LAT NAJWIĘKSZA BITWA ROZEGRA SIĘ W ZAKRESIE CODZIENNYCH TRANSAKCJI KLIENTA JEGO CODZIENNYCH PŁATNOŚCI, ZAKUPÓW, USŁUG, RABATÓW

W WALCE O UDZIAŁ W TRADYCYJNYM RYNKU BANKOWYM TWORZY SIĘ NOWY RYNEK WOKÓŁ CODZIENNYCH TRANSAKCJI KLIENTA

BANK BANKOWOŚĆ INTERNETOWA BANKOWOŚĆ MOBILNA BANKOWOŚĆ ………..………..(JAKA?)

MOJE CODZIENNE TRANSAKCJE (operator gsm, e-coś, system rozliczeń transakcji, hipermarket, bank, Apple, VISA, MASTERCARD) BANK BANKOWOŚĆ INTERNETOWA BANKOWOŚĆ MOBILNA

NASI PRZYSZLI KONKURENCI? (operator gsm, e-coś, system rozliczeń transakcji, hipermarket, bank, Apple, VISA, MASTERCARD) NA NOWYM RYNKU NASZA KONKURENCJA TO NIE INNE BANKI

KIM SĄ GIGANCI?

(Reuters 19 SIE 2011) - Technology company Apple is now worth as much as the 32 biggest euro zone banks.euro zone That's the stark result from a steep fall in the share price of banks including Spain's Santander, France's BNP Paribas, Germany's Deutsche Bank and Italy's Unicredit, compared to a steady rise in Apple's valuation, according to Thomson Reuters data. Earlier on Friday the DJ STOXX euro zone banks index fell 4 percent, valuing its 32 members at $340 billion. That's based on the market capitalization of their free- float shares, which for some French banks in particular is less than 100 percent. The index has crashed by a third since the start of July, hammered by fears banks will lose billions from their holdings of euro zone governmentbonds and a failure of policymakers to stop a euro zone debt crisis from spreading.bonds The euro zone banks have lost three-quarters of their value since peaking in May In contrast, Apple's market capitalization has soared to $340 billion on the back of the success of innovative technology products like iPods, iPhones and iPads.

VISA KUPUJE BANKOWOŚĆ MOBILNĄ FUNDAMO ZA 110 MLN USD fundamo-signs-new-agreement-monitise/ The combination of acquiring Fundamo and expanding the relationship with Monitise will enable Visa to deliver best-in- class mobile financial services and payments capabilities to consumers across the full spectrum of uses, geographies and mobile environments from basic services on simple handsets to more advanced services for smart phone owners.

VISA NAWIĄZUJE STRATEGICZNĄ WSPÓŁPRACĘ Z MONITISE Monitise will be a strategic development partner for Visa's suite of mobile services, including payments, mobile money transfer, mobile transaction alerts and mobile marketing offers to support Visa's mobile strategy to extend the reach of its global network to the more than 4 billion mobile devices around the world. and-visa-strategic-alliance

VISA KUPUJE PLATFORMĘ DO VIRTUALIZACJI PIĘNIĘDZY W INTERNCIE ZA 190 MLN USD

CZYJA TO KARTA?!!!

San Francisco, September 19, 2011 Visa Inc., Visa Europe and Google today announced that Google has received a worldwide license to Visa payWave, an innovative NFC-based payment technology. Visa payWave enables consumers to make fast and secure payments at retail locations by waving their mobile phone in front of a payment terminal and is currently accepted at hundreds of thousands of retail locations worldwide. The agreement sets the stage for Visa-issuing banks worldwide to enable Visa account holders to add their credit, debit and prepaid accounts to Google Wallet -- a mobile application that turns a smart phone into a digital wallet. This is the latest effort by Visa and Google to simplify the consumer shopping experience by enabling them to make mobile payments using their mobile phones.

If youve ever priced a traditional commercial credit card vendor account (I have for my business), you know they can be cost prohibitive, with set up fees, monthly fees, and transaction fees that dont make sense for many small businesses let alone a private individual. Square up does away with all that – they just charge 2.75% plus.15 of each swipe transaction which runs through their service, and they make weekly deposits to the bank account you designate. The service also allows you the capability to key in transactions, but at a higher fee – 3.5% plus.15 per transaction. No monthly or set up fees are involved – even the card swiper doohickey is free! Will I sign up? Possibly. The only thing holding me back is the if it aint broke, dont fix it factor. About 80% of my business is conducted through PayPal – the transaction fee they charge is about 3.3%, and I typically see the money in my account in 2-3 days. POZYSKALI 100MLN USD FINANSOWANIA W 2011 KLIENCI O SQUARE card-payments/

Visa invests in mobile payments start-up Square A strategic investment by credit card giant Visa bolsters prospects for Square, which is led by Twitter co-founder Jack Dorsey. April 28, 2011April 28, 2011|By Jessica Guynn, Los Angeles Times Reporting from San Francisco Visa Inc. is lending its clout and some cash to mobile payments company Square, bolstering prospects for the San Francisco start-up. The credit card giant said Wednesday that it made a strategic investment in Square, which will also include one of its executives joining the company's advisory board.

During the coming months, Verizon will start integrating American Express' Serve, a digital payment and commerce platform, into its phones and tablets. Unlike other initiatives, designed to let consumers pay by tapping their phone to a payment device at a store, Serve will let buyers make online purchases while on the phone. american-express-partner-on-mobile-payments/

Expand DataCashs platform and launch MasterCards new generation of e- commerce, mobile commerce and other payment products, enabling merchants to quickly accept these new forms of payments with minimal integration challenges. MASTERCARD KUPUJE DATACASH ZA 520 MLN USD group_plc.html

In a video provided by PayPal, it shows how users will be able to walk into a store and check in to a location to unlock discounts and coupons. PAYPAL Z ONLINE DO OFFLINE payments/

Weve long said that Apple has a sleeping giant in iTunes. This stems from credit card relationships with more than 150 million users. Like carrier billing, systems that utilize existing relationships and trust (read: security) have an inherent advantage. It could also grow to include loyalty cards with retailers, and other ways to promote and reward purchase activity. Consider the breadth and volume when you move beyond digital products to ones purchased in the physical world. In this light, Apple could be primed to tackle the $6.2 trillion in goods and services purchased in the U.S. every year. POTENCJAŁ APPLE wars-have-part-iii/

InterchangeRabatyProgramy lojalnościoweTransakcje Person to Person (P2P)Płatności za zakupy w internecieWszelkie codzienne wydatki klienta (bilety,parkingi)??? ROSNĄCY NOWY RYBEK

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