Gartner sagt dem Mobile Payment ein weltweites Wachstum von 70 Prozent in 2009 voraus, d.h. von 43,1 Millionen Nutzern in 2008 auf 73,4 Millionen in 2009. In 2012 sollen es dan 190 Millionen sein, was drei Prozent aller Mobilfunknutzer entsprechen würde.
Gartner defines a mobile payment as paying for a product or service using mobile technology such as a short message service (SMS), Wireless Application Protocol (WAP), Unstructured Supplementary Service Data (USSD) and NFC. It includes transactions that use banking instruments such as cash, bank accounts or debit and credit cards, as well as noncarrier stored value accounts, such as travel cards, gift cards or Paypal. It does not include transactions that use mobile operators’ billing systems, such as purchase of mobile content or telebanking by mobile to the service center via an interactive voice response (IVR) system.
“Mobile payment has very different user cases and impact on developing markets to that of developed markets,” Ms. Shen said. “In developing markets, together with mobile banking, it allows people to use financial services in a more-efficient way — and sometimes the only way — at more-affordable costs, and can greatly improve standards of living. In developed markets, mobile is more of an extension of the existing payment infrastructure that allows people to deal with their financial needs on the go and in a timely fashion.”
Das Wachstum soll sich allerings weniger in West-Europa abspielen, wo Gartner nur von einer Steigerung von 0,9 Prozent in 2009 und 2,5 Prozent in 2012 ausgeht.
In terms of both number of users and transaction volumes, Gartner expects Asia/Pacific and Japan to maintain a larger share of the market through 2012. While mobile payment penetration in Western Europe is expected to rise from 0.9 percent in 2009 to 2.5 percent in 2012, and from 1.7 percent to 3 percent in North America; penetration in Asia/Pacific and Japan will rise from 2 percent in 2009 to 3.8 percent in 2012. Mobile payment penetration in Eastern Europe, the Middle East and Africa (EMEA) and Latin America is also expected to exceed 3 percent by 2012.
