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1、MEICIVo1:2I2Q2017Poweredby1TPFINTECH$aJfe6咿t6InsideThisTupIoT:Financia1ServicesDrivingaConnectedWor1dTAB1EOFCONTENTSO1INTERNETOFTHINGSdrivingaConnectedwor1dIntroduction03IoTinFinancia1Services12UseCases22Vendor1andscape27FutureOut1ook30MED1C1/pwWTPSECTIONONEIntroduction:IntefinetofthingsINTERNETOFTH
2、INGSDRIVINGACONNECTEDWOR1DWHATISINTERNETOFTHINGS?InternetofThingsisasystemofinterre1ateddevices,machines,anima1sorpeop1e；co11ective1yca11edthings：equippedwithuniqueidentifiersandtheabi1itytotransferdataoveranetwork.InternetofThingsenab1esthetransformationofanyphysica1objectintoadigita1dataproductbyt
3、heuseofsensorsandwire1essconnectivity.IoT,whenpairedwithAIandbigdata,presentsapath-breakingscenario,withanobjectiveofanticipatingneeds,so1vingprob1ems,minimizingriskandincreasingefficiency.TheIoTactsasanintermediarytoo1thathe1psturninformationintoaforcethatcanboostefficiency,increaseproductivityandd
4、rivefundamenta1improvementsincustomerexperiences.InternetofThingshasthepotentia1tobringeveryobject,consumerandactivityintothedigita1rea1m.MED1C1/povrdbyMINTERNETOFTHINGSDRIVINGACONNECTEDWOR1DamazonchoIoTdevicesandservicesorientedtowardsindividua1susersOrfami1ies.Theobjectiveistoimprove1ivesbymakingt
5、hemhea1thier,safer,ormoreenjoyab1e.E.g.AmazonEcho,Goog1eNestthermostat,SamsungMCSmartFridgeSamsungFami1yHub:SmartFridgeSittingbetweenconsumerandIndustria1IoT,Commercia1IoTde1iversbusinessva1uetoahospita1/hote1/ma11,he1pingthemsaveenergy,optimizeoperations,assetuti1izationsandefficiency.E.g.Smartmete
6、rsforoptimizingabui1ding1se1ectricityconsumptionSmartMeterSmartVa1veSmartIrrigationContro11erRuggedandhigh1ysca1ed-upversionofcommercia1IoT,industria1IoTinc1udessensorsembeddedinindustria1machinery,transportation,hea1thcare,etc.Theobjectiveistoestab1ishaM2Mconnectivityanmonitortheequipment1shea1thto
7、preventandreportdamage.SmartWarehouseMEDICI/pwWTPINTERNETOFTHINGSKEYENAB1ERSDecreasingcostofhardware/sensorsEvo1utionofdatastorageandprocessingframeworksUbiquitouswire1esscoverageandbigdataThecostofdatastoragehasreducedexponentia11yovertheyears.Newinternetframeworks1ikeIPv6with128-bitcanhand1ea11con
8、ceivab1eIoTdevices.AccordingtoSteve1eibson:,wecou1dassignanIPV6addresstoeveryatomonthesurfaceoftheearth,andsti11haveaddresses1efttodoanother100+earths.” 50%dropinsensorpricesoverthepastdecade. Costofbandwidthdecreasedbynear1y40Xoverpastdecade. Processingcostsdecreasedbynear1y60Xoverthepastdecade.Hig
9、h-speedwire1essconnectivityisavai1ab1eforfreeoratavery1owcost.Wire1essconnectivityformsthebackboneoftheIoTecosystem.Evo1utionofbigdataandana1yticspavesthewayforusingthevastpoo1ofinformationandgatheringstructuredinsights,drivingbusinessva1ue.MEDICI/pcebyTP(S6ejojseepjodJ1000000OSIOOMboaIOMbpsIGbps.1.
10、5Mbp512Kbps(PI1oUs*dS-m.OOO)tUJS4SU0QINTERNETOFTHINGSKEYENAB1ERSSmartphonepenetration The2007smartphoneexp1osionpavedthewayforIoTreachingpeop1e1s1ives. With2.9bi11ionsmartphoneusersg1oba11y,IoThasadirecttouchpointforahugecustomerbase. Modern-daysmartphones,beingahubofinbui1tsensors,provideanexce11en
11、tdevicepotentia1forIoTtokickin.Shiftinconsumer1ifesty1eConsumerneedshavebeenevo1vingtowardsautomatedandeffort1essday-to-dayactivitiesandIoT,withitsideaofconnectingthings,doesexact1ythat.Withtheincreasingeffortsbybusinessesonde1iveringsuperiorcustomerexperience,IoThasagreatopportunitytode1ivertheneed
12、edva1ue.Thego1dentreasure:customerdata Enterprisesarerea1izingtheva1ueofcustomerdata,asanumberofdata-as-a-servicebusinessmode1sevo1ve. IoT,withitsseam1essconnectivity,churnsoutabundanceofcustomerdatarea1time,andisexact1ysuitedforthemodern-daybusinesstrends.MED1C1/pwWTPIoTVA1UECHAINMED1C1/(inte1)gema
13、1to起ZigeeeProxama会KONUXHIsamsung迳at&tftHomeServe榭Vodafoneeeye冬thingworxMwatsonPB1UERIVER*fitbitsgfoxPReDIXHMicrosoftCSmartTTnngsGoogeBaccentureInfosysOirtsiumicoachWebMethdsHoneywe11sa1es/orce1absComponentskSmartDRViCRSbNetwork“ConnectivitykP1atformbSystemIntegrationApp1ication(UX)OEMs(DevicePrOVide
14、rS)NetworkCarriersP1atformProvidersITIntegratorAppDeve1operJH/IShareofVa1ue5-10%15-20%30-40%15-20%10-20%ICurrentareasofIoTserviceofferingsbystakeho1ders：Potentia1areasforFISandbanks-toCo11aborateandde1iverva1ueIoTbusinessDe1iveredva1ueIoTwi11di1utethetraditiona1industryboundariesasa11thestakeho1dersstrivetoachieveashareofva1uethroughco11aborating/exp1oringnewterritories.THEIOTECOSYSTEM:POTENTIA1Thestakeho1dersofIoTecosystem,traditiona11yhaveaspecificsegmentinwhichtheyoperateandgenerateva1ue.Whi1enetworkcarriersare1imitedtoprovidingQcon
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