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Mobile Payments in the U.S., 5th Edition

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Mobile Payments in the U.S., 5th Edition

Packaged Facts forecasts mobile payments made at the retailer point of sale will increase 54% in 2016 over 2015 with continued robust growth through 2019. Our forecast is predicated largely on continued movement toward smartphone usage saturation and an increase over time in the percentage of smartphone users making mobile payments at the point of sale.

Our latest report, Mobile Payments in the U.S., gives industry participants the insight the need to stay abreast of mobile payments trends, including mobile point-of-sale payments, mobile P2P and mobile commerce. The report does the following:

Explores mobile payment market trends, including tokenization, loyalty/rewards to omni-channel migration, EMV, payment agnostic solutions, and mobile P2P monetization. This includes:
  • Mobile payment usage trends by demographic in three segments: mobile commerce, mobile person-to-person payments, and mobile point-of-sale payments.
  • Online and mobile payment preference trends (i.e. credit card, PayPal, Visa Checkout, etc.), including direct card entry on website versus wallet options.
  • Mobile payment types, ranging from paying bills to making online purchases to P2P and international remittances.
  • Mobile bill payment preference trends, compared against other methods.
  • Domestic and international money transfer trending, by type of service
  • Mobile P2P services used, with analysis of marketplace leaders
  • Trended interest in mobile payments at POS and mobile POS payment services used
Analyzes leading mobile/digital wallet payments solutions, such as Apple Pay, Android Pay, and PayPal; and including retailer mobile payments solutions such as Starbucks. These include demographic analysis of numerous features and benefits beyond payments; and payment/revenue metrics.

Analyzes factors shaping merchant-driven mobile payment models and competitive threats and solutions for card issuers and networks; mobile payments’ effect on card ownership and usage; and factors influencing specific card choice when making mobile POS payment.

Provides a U.S. market size and forecast for point-of-sale mobile payments.


  • Executive Summary
    • Report Scope
    • Report Summary
      • Market forecast and trends
      • War of the wallets
      • Mobile payment methods
      • Mobile payments and the card connection
      • NFC mobile payments and players
      • In-depth: Starbucks mobile payments
      • In-depth: PayPal mobile payments
  • Market Forecast and Trends
    • Market size and forecast
      • Table Mobile Point-of-Sale Payments: Market Size and Forecast
    • It's a mobile world
      • Mobile at- home access gaining on PC access
        • Table U.S. Adult Home Internet Use: Desktop via Mobile Phone, 2008-2015
      • Smartphone ubiquity around the corner?
        • Table U.S. Adult Call Phone and Smartphone Ownership Trends, 2012-2015
      • Shift to mobile commerce
      • And mobile financial service engagement
        • Table U.S. Adult App Use and Banking/Finance App Use, 2015
    • The payment networks
      • Visa
      • MasterCard
      • American Express
    • War of the wallets
      • Calling the winners
      • A rosy future
      • Android Pay and Apple Pay
      • MCX
      • PayPal
      • Samsung Pay
      • Starbucks
      • Banks in the mix: Chase Pay
      • Retailers in the mix: Walmart Pay
    • Mobile wallets: ingredients to success
      • Payments in the background
      • Seamless
      • Payments not the primary driver
      • Secure
      • Social
      • Loyalty and rewards
      • Payment method choice
    • Authentication methods
      • The NFC conundrum
      • Large chain skew
      • Host card emulation
      • EMV transition a bit of a bust
      • Most device upgrades didn't make the deadline
      • Tokenization
    • QR code momentum
    • Monetizing P2P
  • Mobile Payment Methods
    • M-commerce
      • Online payment preference trends
        • Table Online Payment Method Preferences, 2014-2015
      • Online and mobile payment method preferences
        • Table Payment Entry/Usage Methods, by Preference and Age, 2015
        • Table Payment Entry/Usage Methods, by Preference and Race/Ethnicity, 2015
    • Mobile payment types
      • Table Mobile Payments Types Used, by Age, 2015
      • Table Mobile Payments Types Used, by HH Income, 2015
      • Table Mobile Payments Types Used, by Race/Ethnicity, 2015
      • Mobile bill payment catching up to phone and in-person
        • Table Payments Methods Used, Smartphone Users vs. Non-Users, 2015
    • Mobile P2P
      • Domestic and international money transfer trending
        • Table U.S. Adult Money Transferors: Domestic and International, 2008-2015
      • PayPal gains on Western Union
        • Table Person-to-Person Money Transfer Methods/Services Used in Past 12 Months, 2010-2015
      • Mobile P2P services
        • Table Mobile P2P Services Used, by Gender, 2015
        • Table Mobile P2P Services Used, by Age, 2015
        • Table Mobile P2P Services Used, by Race/Ethnicity, 2015
    • Mobile payments at the point of sale
      • Interest in mobile payments at the point of sale on the rise
        • Table Interest in Mobile POS Payments, 2012-2015
      • Mobile POS payment services
        • Table Mobile POS Payment Services Used, by Gender, 2015
        • Table Mobile POS Payment Services Used, by HH Income, 2015
        • Table Mobile POS Payment Frequency, by Demographic, 2015
  • Mobile Payments and the Card Connection
    • The card fades into the background
      • Retailer brand loyalty—but not customer card loyalty?
      • Threats to card issuers and networks
    • Mobile payments' effect on card ownership and usage
      • Table Mobile POS Payment Services Used, by Gender, 2015
    • Factors influencing card choice when making mobile POS payment
      • Table Factors Influencing Mobile POS Payment Card Funding Choice, by Age, 2015
      • Table Factors Influencing Mobile POS Payment Card Funding Choice, by HH Income, 2015
      • Reasons for using credit cards
        • Table Reasons for Using Credit Cards, by Gender, Age and HH Income, 015
  • NFC Mobile Payments and Players
    • Apple Pay
      • Introduction
      • The nuts and bolts
      • The traction
      • Sizing the Apple ecosystem
        • Table Apple U.S. Usage Universe, by Product/Service, 2015
        • Table U.S. Smartphone Ownership, by Operating System, 2015
        • Table U.S. Apple Households and iPhone Users, by Demographic, 2015
    • Android Pay
      • Moving from hybrid NFC/cloud-based model
      • to a host card emulation model that leverages the cloud
      • and that grows the usage pie
      • Giving consumers more reasons to use it
  • In Depth: Starbucks Mobile Payments
    • Starbucks
      • Demographic analysis: An ideal mobile payments candidate
        • Table Starbucks U.S. Restaurant Usage and Usage Frequency, 2015
        • Table Starbucks Coffeehouse Users and Frequent Users, by Demographic, 2015
        • Table Starbucks Mobile POS App Users, by Demographic, 2015
      • By the numbers: Starbucks mobile payments
        • Table Starbucks Loyalty and Mobile Payment Metrics, 2014-2016
      • The secret sauce: app engagement tying user to Starbucks ecosystem
      • Loyalty partnerships promising more to come
  • In Depth: PayPal Mobile Payments
    • PayPal
      • Recipe for success: the PayPal digital wallet
      • Usage reach
        • Table PayPal Active Customer Accounts, 2012-2015
        • Table PayPal Users, by Demographic, 2015
        • Table PayPal as Bill Payment Method: Used Sometimes/Always, by Demographic, 2015
      • By the numbers: A mobile payments powerhouse
        • Table PayPal Transaction and Payment Value Metrics, 2012-2015
      • Braintree and Venmo
        • Table PayPal Transaction and Payment Value Metrics, 2012-2015
        • Table Venmo Accountholders, by Demographic, 2015
      • The balancing act: account funding method
        • Table PayPal Take Rate, 2012-2015
        • Table Primary Method Used to Fund PayPal Account, by Age, 2015
        • Table Primary Method Used to Fund PayPal Account, by HH Income, 2015
      • P2P leadership
        • Table Sending/Receiving Money: PayPal vs. Western Union, by Demographic, 2012-2015
      • Mobile POS: gaining traction
        • Table PayPal Users: Online, Mobile and POS, by Demographic, 2015
  • Appendix
    • Methodology
      • Consumer survey methodology
    • Report table interpretation
      • Color coding
      • Indexing
    • Terms and definitions
      • Report table interpretation
      • Indexing
    • Terms and definitions
      • Electronic payment system
      • EMV
      • Mobile banking
      • Mobile financial services
      • Mobile payments
      • Mobile P2P
      • Mobile POS
      • Mobile wallets
      • Proximity mobile payment
      • RFID
      • Secure element
      • Smartphone
      • SMS text messaging
      • Tokenization and end-to-end encryption
      • Unbanked, underbanked and alternative financial services users

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