Most important first
   prepaid is a major driving force in the near 
       future of mobile wallets
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     I    Prepaid is…
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   ‘a container into which valuables can be stored 
     and retrieved using specific methods’
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                                       Source: MasterCard / partners in prepaid
      Past: simple but effective tool
   Merchants
   • means of increasing the brand loyalty of customers
   • anticipation of future purchases in exchange for store discounts
   Transport and ticketing services
   • Prime examples: Hong Kong’s Octopus prepaid travel card or London’s 
    Oystercard
   MNOs
   • Airtime
   • fewer contractual obligations 
   • PAYG accounts have eclipsed their pay monthly counterparts 
        Mobile Future: plenty of opportunities
      Enhancement of existing physical products via mobile channel
      •   Mobile reload/top up
      •   additional channel to improve customer value
      •   interactive channel to get in touch with the users
      Digitization of existing physical prepaid solutions
      •   replacement or endorsement of the existing solution
      •   HCE?
      Development of new mobile based prepaid solutions
      •   launching a new mobile based prepaid solution
      •   no need for the producing physical cards anymore - is there?