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Payments on the internet: The demand side. Dr. Malte Krueger University of Karlsruhe and PaySys Consultancy GmbH Karlsruhe, 10 November 2004. Presentation for the ECB Conference „E-payments without frontiers“ . Dr. Malte Krueger: The demand side. Introduction.

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slide1

Payments on the internet: The demand side

Dr. Malte Krueger

University of Karlsruhe and PaySys Consultancy GmbH

Karlsruhe, 10 November 2004

Presentation for the ECB Conference „E-payments without frontiers“

slide2

Dr. Malte Krueger: The demand side

Introduction

„Payments on the internet: the demand side“

„Guiding questions“:

Size of demand and main determinants

Differences across Europe

Convergence of needs

Need for pan-European surveys

slide3

Dr. Malte Krueger: The demand side

What are we looking at?

Internet payment systems

= electronic payments systems

intended to facilitate payments in e/m-commerce

slide4

Dr. Malte Krueger: The demand side

How big is the demand for internet payment systems?

Impossible to provide a reliable estimate of thevolume of internet payments

A short answer:

Smaller than you might think!

C2B Payments

A look at e-commerce in „real goods“

= „extended moto“ model

Moto has been flourishing without internet payments

Adding a new distribution channel should notfundamentally change this

slide5

Dr. Malte Krueger: The demand side

How large is the demand for internet payment systems?

E-commerce in digital goods

A driver of demand for internet payment systems?

Well, at the moment …

Revenue from digital content on the internet

Revenue from print media

Advertising

95%

Per Click and Subs.

5%

Advertising

66%

“Per Click” and Subs.

33%

Germany 2002

slide6

Dr. Malte Krueger: The demand side

How large is the demand for internet payment systems?

C2C Payments

Big demand in some countries

(if the only alternatives are cash and cheques)

Little in others(if there are effcient giro systems)

slide7

Dr. Malte Krueger: The demand side

Differences across Europe

Do critical demand-shaping factors differ?

Evidence regarding e-commerce

EU15 citizens who have purchased on the internet

(% in 2003)

Source EEIG

Source EEIG

slide8

Dr. Malte Krueger: The demand side

Differences across Europe

Do critical demand-shaping factors differ?

No systematic EU-wide study of internet payments

Use of various payment methods on the internet (in %)

Sources: BIS, ECR, insites, own estimates

slide9

Dr. Malte Krueger: The demand side

IZV: Survey of Consumer Payments on the Internet

Open www-survey

Carried annually – starting 1998

2004: 7th survey with 13.186 usable responses

So far: confined to Germany

2005: Austria will be included + possibly, other countries

59 questions covering:

Activity on the internet

Purchase of „real“ goods on the internet

Purchase of digital goods on the internet

Questions about specific internet payment methods

Ways to improve payment methods

Personal data

slide10

Dr. Malte Krueger: The demand side

IZV: Survey of Consumer Payments on the Internet

A quick sketch of our results

Respondents could name more than one method

slide11

Dr. Malte Krueger: The demand side

IZV: Survey of Consumer Payments on the Internet

Respondents were asked to name the three most important factors

13,4

Respondents were asked to name the three most important factors

slide12

Dr. Malte Krueger: The demand side

IZV: Survey of Consumer Payments on the Internet

slide13

Dr. Malte Krueger: The demand side

IZV: Survey of Consumer Payments on the Internet

59,0

84,4

14,0

17,1

12,2

10,9

slide14

Dr. Malte Krueger: The demand side

A summary of the IZV7 results can be found under

http://www.iww.uni-karlsruhe.de/IZV

Thank you!

Dr. Malte Krüger

PaySys Consultancy GmbHIm Uhrig 7D-60433 Frankfurt am MainTel.: +49 69 95 11 77 -12E-Mail: mkrueger@paysys.deURL: www.paysys.de

Universität Karlsruhe (TH)

IWW, Sektion Geld und Währung

Postfach 69 80

D-76128 Karlsruhe

Tel.: +49 721 608-6329

E-Mail: krueger@iww.uni-karlsruhe.de

URL: http://www.iww.uni-karlsruhe.de/

PaySys is German member of the Euro-pean Payments Consulting Association