از «اپل پی» تا بیتکوین، از پرداختهای همتا به همتا تا حجم بسیار بالای رمیتنس در جهان، از انبوهی استارتآپهای متنوع در صنعت پرداخت و بانکداری تا نفوذ عجیب پرداختهای موبایلی در کشورهای توسعه نیافته نظیر کنیا، همه روزه شاهد اخبار متنوع و البته رشد بی سابقهای از حضور و و نفوذ فناوری در این صنعت هستیم. نکته جالب اینکه بخش عمدهای از کسانی که احتمالاً آینده پول و صنعت پرداخت را رقم خواهند زد، شرکتها فناور نظیر اپل، سامسونگ و یا گوکل هستند که هیچ تجربه بانکی و سابقهای در این بخش ندارند و کمتر اسم بانکها را در این جریان میشنویم. براستی چه اتفاقی در حال رخ دادن است.
در این ارائه با عنوان «آینده پول، صنعت پرداخت و بانکداری» روندهای فناوری اثرگذار بر پول و صنایع پرداخت را بررسی کرده و آینده و جایگاه بازیگران فعلی و البته نوع نگرش به پول را بررسی خواهیم نمود.
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29. Bootstrapping Sweat Equity
Friends &
Family
CrowdFunding
Business Plan
Competition
Grants Accelerators
Strategic
Investors
Individual
Angels
Angel Groups Angel Funds
Seed Funds
(Super Angels)
Online
Accredited
Syndicate
Online Angel
Sundicate
Venture
Capitals
JOBS Act
Ways we Fund now
55. On the Rise
• Managementless Banking
Organization
• Business Ecosystem
Modeling
• Employee Apps
• Hybrid Investment Data
Management Solutions
• Agile Bank Management
• Core Banking BPO
• Internal Hackathons
• Customer Co-development
Products and Services
Banking
• Open-Source Banking
Systems
• Vendor App Stores for
Banking
• Enterprise App Store for
Banking
• Design Thinking in Banking
• Internal APIs
• Prescriptive Analytics
At the Peak
• Vendor-Supplied Market
Data APIs
• Business Capability
Modeling
• Community Cloud
• Enterprise Architecture
Governance
• Cloud-Driven Business and
IT Services
• Intelligent Bank Operations
• Logical Data Warehouse
• Financial Services Industry
Architecture Frameworks
Sliding Into the Trough
• Big Data Management
• Enterprise Data Governance
• Predictive Analytics
• Open Development Banking
Platforms
• BIAN Standards
• Component-Based Financial
Services Solutions
• Private Cloud Computing
• SOA Backplane
• Innovation Management
• Complex-Event Processing
Software Platforms
Climbing the Slope
• IT Infrastructure Utility
Hype Cycle for Bank Operations Innovation, 2014
56. Hype Cycle for Payment Innovations, 2014
On the Rise
•Wearable-Originated Payments
•Sound-Wave-Based Payment
System
•Money and Payment Clouds
•PIVAS — Tracking and
Negotiation
•Acquiring Convergence Solutions
and Dashboards
•Application PaaS for Payments
•Bank Payment Obligations
•Mobile Digital Payment Advisor
At the Peak
•Social Messaging App-Based
Payment System
•Peer-to-Peer Foreign Exchange
Marketplace
•Remote Commerce Emulation
for Proximity Payments
•Trusted Service Manager for
NFC-Enabled Mobile Payment
Systems
Sliding Into the Trough
•PIVAS — Synchronization
Process
•EMV Migration (U.S.)
•Payment Architectural
Frameworks
•Payment Services Hub
•Digital Wallet Solutions
•Transaction Banking 2.0
(Payments)
•Mobile-Originated Proximity
Payment Systems
•Alternative Card Networks
•Social Network Payment System
•Mobile Devices as Payment-
Acquiring Terminals
•Online Bank-Enabled Payment
(OBEP) Systems
•Mobile-Originated P2P Solutions
(for Mature Payment Markets)
•Enterprise Mobile Financial
Services Solutions
•Near-Real-Time Low-Value
Payment Systems
Climbing the Slope
•PIVAS — Reward and Loyalty
•Biometric Payment Systems
•Multipayment Application
Instruments
•Mobile Wireless Payment
Systems (for Nonmature
Payment Markets)
•Contactless Retail Payment
System
•Internet Micropayment
Solutions
57. Hype Cycle for Digital Banking, 2014
On the Rise
•Wearable-Originated
Payments
•Biometric Mobile
Banking Authentication
•Geolocation Products
and Services
•Banks as Customer Data
Brokers
•Banking App Stores
•Gesture Control for
Banking
•PIVAS — Tracking and
Negotiation
•Mobile Digital Payment
Advisor
At the Peak
•Peer-to-Peer Foreign
Exchange Marketplace
•Global Consumer Tablet
Banking
•Gamification in Banking
•Mobile Lending
Sliding Into the Trough
•Disruptive Financial
Intermediaries
•In-Branch and ATM Video
•PIVAS — Synchronization
Process
•Loyalty Point
Marketplaces
•Payment Architectural
Frameworks
•Social Media Compliance
•Digital Wallet Solutions
•Mobile Commercial
Remote Deposit Capture
•Smartphone Banking
•Feature Phone Mobile
Banking (Africa)
•Enterprise Mobile
Financial Services
Solutions
•Near-Real-Time Low-
Value Payment Systems
•Instant Payment Card
Issuance (Branch and
Kiosks)
Climbing the Slope
•Budget and Goals PFM
•PIVAS — Reward and
Loyalty
Entering the Plateau
•Basic Personal Financial
Management
•Mobile Consumer
Remote Deposit
58. Hype Cycle for Open Banking APIs, Apps and App Stores, 2014
The Hype Cycle
•The Four Main Categories of
Open Banking
•Off the Hype Cycle
•New on the Hype Cycle
•Why This Hype Cycle Is Front-
Loaded
•Fast Movers
•Who Can Benefit From This
Hype Cycle?
•Multigeography, Multicontext
Analysis
•The Priority Matrix
On the Rise
•Commercial Banking APIs
•Community Source Banking
Systems
•OpenID Connect
•Employee Apps
•Open Bank Project
•SDA for Application Services
•Banking App Stores
•Business Models for Open
Banking
•Business Strategy for Open
Banking
•Tablet Apps
•Internal Hackathons
•Vendor Readiness for Open
Banking
•Open-Source Banking Systems
•Developer and Partner
Ecosystems
•Retail Banking APIs
•Internal APIs
•API Marketplaces
At the Peak
•OAuth
•Commercial Banking Apps
•Application Services
Governance
•External Hackathons
•Crowdsourcing for Open
Banking
Climbing the Slope
•Nonbank APIs