Global Carrier Billing Summit: Round Up

Global Carrier Billing Summit: Round Up

Carriers, payment integrators and merchants from around the world met up in London last week at the Global Carrier Billing Summit to share their progress and provide updates.

Mobile carriers will have large role to play in IoT, payments with 5G

Mobile carriers will have large role to play in IoT, payments with 5G

Video, gaming, AI, robotic, AR/VR platform CIOs and CTOs looking to embrace newer digital transformation solutions should look holistically within the mobile infrastructure ecosystems, and tag the mobile telecom operator as a strategic partner.

How Apple's update may turn the payments space on its head

How Apple's update may turn the payments space on its head

Recent changes to how Apple deals with the NFC chip in the iPhone and Apple Watch presents a world of opportunities.

How providers can enhance the payments experience

How providers can enhance the payments experience

Regardless of the latest and greatest technology, a successful payments strategy revolves around the consumer experience, and building a strategy requires an understanding of how consumers are engaging with payments on a day-to-day basis.

5 tidbits from the 2018 Bank Customer Experience Summit

5 tidbits from the 2018 Bank Customer Experience Summit

One of the overriding themes from this year's event held in Chicago was how banks will take advantage of the data they receive from AI initiatives to provide a better customer experience.

5 ways banks can create a digital mindset

5 ways banks can create a digital mindset

Every consumer is a digital consumer, and to be in banking means you have to be in digital banking. Frankly, digital is no longer an expense; it's a necessary investment that can deliver real returns for the financial institution.

Biometrics security isn't one-size-fits-all

Biometrics security isn't one-size-fits-all

Andrew Jamieson, the director of security & technology for the identity management & security unit at UL, writes that many technologies that would be enabled by biometrics are still vulnerable to spoofs and hacking.

European payments outages show long-term change needed

European payments outages show long-term change needed

Financial systems outages stop customers from accessing and spending money as they normally would. The growing incidence of outages — particularly in the U.K. and Europe — suggests that the payments industry is, at best, fragile and that things need to change. People are getting fed up.

6 tidbits from CONNECT: The Mobile CX Summit 2018

6 tidbits from CONNECT: The Mobile CX Summit 2018

One of the overriding themes from this year's event held in Chicago was an emphasis on design, whether it's a mobile app, a loyalty program, or delivery options.

What is AR's role in retail mobile apps going forward?

What is AR's role in retail mobile apps going forward?

Blair Newman, chief technology officer at Bell One, explains that while augmented reality apps offer endless possibilities to engage customers not all apps are created equal. He offers up five key aspects to consider before deployment.

Digital payments and the retailer

Digital payments and the retailer

Some retail outlets are experimenting with moving to digital payment-only operations. As non-cash payments become the norm, some retailers, particularly in hospitality, no longer accept cash. While there are downsides to managing cash, what are the pitfalls of refusing to deal with it?

Tokenization's role in IoT security

Tokenization's role in IoT security

While more connected devices is convenient for consumers as far as payments, it also opens a window for cybercrime and security breaches.

Biometrics: Are they becoming the nirvana of personal security?

Biometrics: Are they becoming the nirvana of personal security?

The combination of mobile banking and biometric security in our smart devices will enable consumers to have more confidence regarding their personal security and will be far safer than it has ever been.

Securing real-time payments with tokenization

Securing real-time payments with tokenization

For banks, direct debit fraud represents a bigger financial risk than card fraud. In particular, growing momentum for real-time payment schemes across the world is creating huge opportunities for fraudsters and placing increasing pressure on banks and clearing houses, who now have only seconds instead of days to identify fraudulent transactions.

World of Money to bring readers the latest news about financial tech

World of Money to bring readers the latest news about financial tech

Newsletter will selectively curate content daily from among the top stories and information sources to bring readers the news they need to succeed in a fast-moving and highly competitive global economy.

With use surging, what comes next for mobile banking?

With use surging, what comes next for mobile banking?

What areas of innovation could shape the channel, and how can financial institutions keep users engaged and satisfied?

What can US retailers learn from China about mobile payments?

What can US retailers learn from China about mobile payments?

The success in China is largely driven by consumers' adoption of mobile wallets like Alipay and WeChat/Ten Pay, which make up the majority of the mobile payment market.

How can real-time payments be secured?

How can real-time payments be secured?

With account-based fraud on the rise, the move from standard to real-time transactions is causing significant security challenges for central banks and clearing houses.

Are consumers pushing back against the cashless trend?

Are consumers pushing back against the cashless trend?

Danny Meyer, Union Square Hospitality Group CEO, recently penned a blog post about why his restaurants will continue to go cashless. But is that really what consumers want?

A closer look behind Sweden's cashless crusade

A closer look behind Sweden's cashless crusade

Sweden's apparent move toward becoming the planet's first cashless state is clearly neither accidental nor simply the outcome of choices made by the Swedish public.

Mobile Wallet Comparison Guide 2018: NFC smartphone payments stall

Mobile Wallet Comparison Guide 2018: NFC smartphone payments stall

Mobile Payments Today Editor Will Hernandez previews the latest guide from Networld Media Group.

Mobile scan-and-go: From cashier to concierge

Mobile scan-and-go: From cashier to concierge

With robotics and artificial intelligence (AI) technology advancing, many industries are now addressing the opportunities and challenges presented by increased automation. Retail is no different. In particular, the emergence of checkout-free retail has excited consumers tired of waiting in line.

Gen Z through the mobile payments lens

Gen Z through the mobile payments lens

Gen Z is on the scene and ready to leave their own mark on banking and payments. This latest generation, born after 1999, view the world completely differently than those who have gone before.

3 suggestions for the industry to

3 suggestions for the industry to "save" the Pays

Apple Pay, Google Pay and Samsung Pay aren't going anywhere, but U.S. consumers are not enthusiastic about using them at the physical point-of-sale. But the industry could do some things to help bump adoption and incentivize merchants to accept NFC-enabled mobile payments.

How payments innovation actually hinders the customer experience

How payments innovation actually hinders the customer experience

New technology and innovation is changing the way consumers want to pay, but the increasingly rapid pace of change also creates challenges and vulnerabilities for self-service equipment providers.

Kohl's revamps rewards program with a mobile and digital emphasis

Kohl's revamps rewards program with a mobile and digital emphasis

Blogger Bryan Pearson got the scoop on Kohl's new loyalty initiative that trades points for cash and combines elements of its credit card, sales events and Yes2You Rewards.

How cash and digital payments can coexist going forward

How cash and digital payments can coexist going forward

One clear conclusion we can make, based on recent trends in the financial services industry, is that the increasing prevalence of new transaction methods does not necessarily mean that more traditional payment mechanisms are being left behind.

Retailers and the move toward a mobile, cashierless checkout experience

Retailers and the move toward a mobile, cashierless checkout experience

Tom Chittenden, vice president and general manager of retail solutions, NCR Corp., writes about how the reinvention happening in retail is pushing more merchants towards the cashierless model.

Perception doesn't match reality in the US payments industry

Perception doesn't match reality in the US payments industry

Bank of America's Head of Digital Banking Michelle Moore and PayPal CEO Dan Schulman each made separate comments the past couple of weeks about the future of digital payments in the U.S. The problem is that right now, they're way off.

How the smartphone can help reinvigorate financially underserved consumers

How the smartphone can help reinvigorate financially underserved consumers

Dan Puterbaugh, senior legal advocate for Adobe, discusses the opportunity for the underbanked and unbanked to break into the financial mainstream.

Mobile Payments Today provides showcase for mobile wallet providers

Mobile Payments Today provides showcase for mobile wallet providers

Mobile Payments Today is preparing the 2018 edition of the Mobile Wallet Comparison Guide. If your company provides a mobile wallet, you're eligible for a free listing in the guide.

Can real-time payments transform the US market?

Can real-time payments transform the US market?

Real-time payments infrastructure officially arrived in the U.S. with the launch of The Clearing House RTP system in November. Will the technology ultimately prove to be, as predicted, "one of the most important payment transformation efforts in our industry"?

Travelers increasingly turn to digital payments over cash

Travelers increasingly turn to digital payments over cash

Nav Kullar, marketing manager for NCR Payments, cites a recent Visa study about this trend with consumers traveling abroad.

The wait is over: Why real-time redemption makes loyalty better

The wait is over: Why real-time redemption makes loyalty better

Julian Wallis, the retail director at Rambus, believes better value-added services can help retailers reverse declining revenue growth.

Tailoring the payments experience for the $101B mobile app opportunity

Tailoring the payments experience for the $101B mobile app opportunity

Jared Ronski, principal at PayArc, discusses the customer experience around mobile apps, including the actual payments process for users.

The curious case of rising cash demand in a digital age

The curious case of rising cash demand in a digital age

Cash demand has risen right along with payment card transactions during the past decade-and-a-half. What's up with that? We went looking for an answer in "Payments are a-changin' but cash still rules," a publication from the Bank for International Settlements.

Zelle 'scam' reveals the need for consumer responsibility

Zelle 'scam' reveals the need for consumer responsibility

Bottom line: don't do business with people on Craigslist unless you meet them in person.

A love letter to mobile payments for Valentine's Day

A love letter to mobile payments for Valentine's Day

Mobile Payments Today recounts all the ways we love our favorite transaction method, flaws and all.

Does it matter that bitcoin's lost its way?

Does it matter that bitcoin's lost its way?

And would Satoshi Nakamoto ever emerge to save it?

The many faces of mobile payments

The many faces of mobile payments

NFC, QR codes and various in-app payment methods have helped change the way consumers pay via a smartphone.

A 2018 resolution: Smoother mobile payments

A 2018 resolution: Smoother mobile payments

Today's mobile payments experience has too many potential cracks in the system waiting to form that put a snag in the potential of a smooth ride start to finish. The industry should work to prevent such issues as much as possible.

3 trends for 2018: Safer data, faster payments, better experiences

3 trends for 2018: Safer data, faster payments, better experiences

These areas present great opportunities, but also significant challenges.

How the EA Star Wars video game fiasco can be a lesson for banking, fintech

How the EA Star Wars video game fiasco can be a lesson for banking, fintech

Consumers want optimal value for the money they spent on a product. But when that doesn't go their way, expect backlash in a huge way.

Merchants can beat the Black Friday blues with faster payments, safer data

Merchants can beat the Black Friday blues with faster payments, safer data

While this period brings great opportunity for retailers, it also creates considerable challenges. Retailers must respond to evolving behaviors and manage huge increases in footfall, but still deliver the exceptional in-store experience consumers demand.

Backlash from 'Bodega Mania' a lesson for fintech, payments industries

Backlash from 'Bodega Mania' a lesson for fintech, payments industries

Bodega's social media firestorm will help educate the automated retailing industry and the technology community about the need to be direct with the public on important forthcoming changes.

Is Zelle finding a groove with bank customers over Venmo?

Is Zelle finding a groove with bank customers over Venmo?

It was a small sample size, but participants at a consumer panel at last week's Bank Customer Experience Summit in Chicago revealed their preferences for mobile P2P services.

Russians 'have it their way' with Whoppercoin

Russians 'have it their way' with Whoppercoin

The Burger King franchise in Russia has rolled out a loyalty program built around the 'Whoppercoin.' It's a cryptocurrency that customers can traffic in online or trade in for free burgers. Could it also be a signal that Russia is softening its hostile stance toward virtual currency?

5 excellent reasons — and counting — to attend the upcoming Bank Customer Experience Summit

5 excellent reasons — and counting — to attend the upcoming Bank Customer Experience Summit

And the sixth reason: "Change takes a much longer time coming than you think, and then it happens much faster than you would have thought." It's happening right now for you and your banking customers and BCX is the place to learn how to manage it.

Merchants should highlight mobile self-service usefulness to consumers

Merchants should highlight mobile self-service usefulness to consumers

Do consumers see the value in every self-checkout option available to them from different restaurants and retailers?

Fintech companies providing easy, meaningful and useful mobile experiences

Fintech companies providing easy, meaningful and useful mobile experiences

Banks need to find a way to create and maintain great relationships with existing and perspective customers. But alternative institutions are providing that experience, particularly of the mobile variety.

Visa continues to thumb nose at cash

Visa continues to thumb nose at cash

The card this week announced a program to award small-and-medium sized business to renounce cash in favor of shiny new point-of-sale systems that accept credit and debit payments as well as those of the digital variety.

How elotes and tamales keep a cashless society at bay

How elotes and tamales keep a cashless society at bay

A Chicago neighborhood is one example of the many anomalies when it comes to the digital discussion and pushing mobile payments forward.

2017 BCX awards competition last call for entries: Are you in?

2017 BCX awards competition last call for entries: Are you in?

Through Friday, June 16, Networld Media Group is accepting entries from innovative, consumer-focused financial institutions and fintech providers whose unique strategies and technologies are heightening the consumer experience.

Despite costs, airlines deploy mobile payments to leverage revenue opportunities

Despite costs, airlines deploy mobile payments to leverage revenue opportunities

Airline revenue and payments professionals find common agreement around revenue opportunities that arise from deploying mobile payment capabilities.

The mobile-payments dilemma for retailers: What's what in the market

The mobile-payments dilemma for retailers: What's what in the market

The decision on which mobile app to work with is an important decision. Some are sleek. Others are clunky. Some are quick. Others are slow as molasses. There are many items you must choose from, but here is an important something to think about.

It's a weird time for mobile payments

It's a weird time for mobile payments

We've seen multiple studies over the past few months that conclude younger generations are aware of mobile payments, but don't care much about them — a service such as Venmo being the rare exception.

The offline and online worlds collide at Amazon's bookstores

The offline and online worlds collide at Amazon's bookstores

If you want to see the potential future of retail, visit an Amazon bookstore.

It's the same old story for mobile payments adoption

It's the same old story for mobile payments adoption

A recent field test from the Boston Fed's Payments Strategies group shows the shortcomings of today's market.

How retailer mobile apps can make, or break, the customer experience

How retailer mobile apps can make, or break, the customer experience

Companies are always looking for new ways to solidify their relationship with their customer base and grow. Some do a good job while others miss. New technology often helps, but is not always the answer.

The impact of Amazon Go and the future of payments

The impact of Amazon Go and the future of payments

Does the consumer-controlled checkout Amazon Go offers hold revolutionary potential, or is it a blip on the radar before a newer, hotter trend dominates the popular narrative? In reality, it's a bit of both.

What's in a name for Masterpass, Venmo and Zelle?

What's in a name for Masterpass, Venmo and Zelle?

Venmo has staked its claim as a verb, which says something about its ubiquity. Masterpass and Zelle? Not so much.

The mobile-centric gap costs travel operators significant revenues

The mobile-centric gap costs travel operators significant revenues

With an estimated $817 billion expected in digital travel sales globally by 2020, airlines are missing significant revenues by failing to exploit the potential of mobile commerce and payment innovation.

Inside the mobile-only, on-demand market (and gig economy), Part III

Inside the mobile-only, on-demand market (and gig economy), Part III

In the final part of this series, we take a look at what makes a great mobile app. The answer might be simple, but the execution is often difficult.

Inside the mobile-only, on-demand market (and gig economy), Part II

Inside the mobile-only, on-demand market (and gig economy), Part II

In the second part of this series, Mobile Payments Today gives readers a closer look about how services such as Postmates work for the person delivering goods.

Inside the mobile-only, on-demand market (and gig economy), Part I

Inside the mobile-only, on-demand market (and gig economy), Part I

Mobile apps such as Postmates and Uber have become the blueprint for great customer experiences. But what is it like to be on the other side of such services, particularly Postmates?

Mobile ordering is reinventing the drive-thru experience

Mobile ordering is reinventing the drive-thru experience

Much of the draw of the drive-thru is rooted in speed and convenience; however, recent advancements in technology have created the potential for an even faster, even easier drive-thru transaction.

3 success factors behind airlines and their mobile payments strategies

3 success factors behind airlines and their mobile payments strategies

As airline passengers increasingly turn to smartphones and other mobile devices to book and manage their flights and related travel arrangements, airlines have the opportunity for significant new revenues.

Sweetgreen, mobile payments and a cashless society

Sweetgreen, mobile payments and a cashless society

The popular specialty salad quick-service restaurant chain tested a no-cash policy in 2016 and is now fully cashless where such a thing is allowed by law. Is such a move the best thing for consumers.

Are in-car payments innovative?

Are in-car payments innovative?

Their success will likely hinge on the same issues as mobile payments — consumer adoption and acceptance.

Retailers tap the power of mobile apps during holiday season

Retailers tap the power of mobile apps during holiday season

Here's a reason for retailers to be "appy" this holiday season: Purchases made on mobile apps more than doubled in 2015, to nearly $50 billion. We look at holiday-specific shopper apps and how retailers can parlay these concepts into direct spending online and in the store.

The revenue connection between mobile booking and loyalty

The revenue connection between mobile booking and loyalty

Kristian Gjerding, CEO of CellPoint Mobile, examines mobile loyalty in the travel industry.

Cardless cash transactions: What's in it for consumers?

Cardless cash transactions: What's in it for consumers?

A lot, actually. Which is why the ATM industry has seen a steady stream of rollouts this year — not only by financial institutions, but also by independent players.

The end of payments as we know it

The end of payments as we know it

André Stoorvogel, head of marketing at Rambus Bell ID, provides us with his thoughts on the industry after another Money20/20 conference.

Can Kohl's help mobile payments get off the launch pad?

Can Kohl's help mobile payments get off the launch pad?

Tim Spenny, from GfK Research, believes consumers will gravitate towards Kohl's Pay and make it a success.

Apple Pay's tenuous role in a cashless society

Apple Pay's tenuous role in a cashless society

Mobile Payments Today Editor Will Hernandez examines Tim Cook's recent comment about a cashless society and mobile payments.

CFPB, EMV, mobile payments sure to dominate this year's Money 20/20

CFPB, EMV, mobile payments sure to dominate this year's Money 20/20

The annual Money 20/20 conference starts Sunday, which means we're about to be hit with a lot of payments talk next week.

If Hispanics drive emerging payment tech trends, the industry needs to take note

If Hispanics drive emerging payment tech trends, the industry needs to take note

Mobile Payments Today Editor Will Hernandez takes a closer look at Bank of America's Trends in Consumer Mobility Report that reveals Hispanics are avid users of mobile for banking and payments.

5 trends shaping mobile payments worldwide in 2016

5 trends shaping mobile payments worldwide in 2016

Michelle Evans, the digital consumer manager for Euromonitor International, shares some findings from the company's latest global research.

From the source: Millennials share views about Alexa, Apple Pay, Venmo

From the source: Millennials share views about Alexa, Apple Pay, Venmo

A panel at this year's Bank Customer Experience Summit brought together some college students from the University of Chicago to discuss how they view today's financial services.

Is there an ideal time for airlines to launch mobile payments?

Is there an ideal time for airlines to launch mobile payments?

Kristian Gjerding, CEO of CellPoint Mobile, writes in his latest Mobile Payments Today blog post about what airlines need to consider when it comes to incorporating mobile payments into their apps.

Mixed reality: A way forward towards a cashless society

Mixed reality: A way forward towards a cashless society

In his latest blog post for Mobile Payments Today, Bruce Burke discusses how "mixed reality" technology could be interwoven between shopping, buying and paying for goods.

Merchants mull best ways to influence consumers through mobile devices

Merchants mull best ways to influence consumers through mobile devices

As consumers become more attached to their smart devices, the question becomes how do restaurants and retailers reach them there in an impactful way.

Wal-Mart Pay doesn't need loyalty and that's ok

Wal-Mart Pay doesn't need loyalty and that's ok

Is a loyalty program really what consumers need to use mobile payments and mobile wallets?

The mobile wallet wars ignore consumers' needs

The mobile wallet wars ignore consumers' needs

PayToo CEO Michel Poignant thinks the industry is approaching mobile wallets the wrong way.

5 tidbits from the CONNECT Mobile Innovation Summit

5 tidbits from the CONNECT Mobile Innovation Summit

No matter which way you turn these days, mobile (or mobility) is at the center of most conversations for banks, retailers, restaurants and any other consumer-facing brand.

7 reasons why the Bank Customer Experience Summit should be on your fall travel calendar

7 reasons why the Bank Customer Experience Summit should be on your fall travel calendar

If your business is about banking for people, not "consumers," here are several excellent reasons to register immediately for this September summit in Chicago.

My misadventures with Apple Pay

My misadventures with Apple Pay

We'll keep talking about the problems that plague proximity mobile payments until everyone gets it right.

 Early bird gets the worm: Top 5 reasons to meet us in Cali for Fast Cas Exec Summit

Early bird gets the worm: Top 5 reasons to meet us in Cali for Fast Cas Exec Summit

Although our 11th annual Fast Casual Executive Summit isn't until Oct. 9-11, you can get in at $595 as opposed to the regular price of $795 if you register by Friday. If that's not enough incentive to join us in sunny California for the summit, below are top five reasons you need to put his amazing event on your calendar.

CONNECT Summit set to dive into mobile's impact on restaurants, retail

CONNECT Summit set to dive into mobile's impact on restaurants, retail

Baron Concors, Shashank Saxena among the keynote speakers for the third annual executive event.

Pizza Hut's digital guru talking all-things tech

Pizza Hut's digital guru talking all-things tech

Baron Concors, Pizza Hut's global chief digital officer, will share insights about the chain's digital strategy Aug. 17 at this year’s CONNECT Mobile Innovation Summit in Dallas.

What mobile wallet providers can learn from Pokémon Go

What mobile wallet providers can learn from Pokémon Go

The free-to-play augmented reality mobile game has taken three nations by storm. Mobile wallet executives can learn a thing or two from the game's success.

Merchants chase Uber for a better mobile customer experience

Merchants chase Uber for a better mobile customer experience

It's no surprise the ride-sharing service comes up a lot during discussions about personalization and customer interaction. That was a topic of conversation during multiple panels at two trade conferences in May.

Restaurant industry tentatively embraces emerging mobile technology

Restaurant industry tentatively embraces emerging mobile technology

Mobile Payments Today Editor Will Hernandez went to the National Restaurant Association Show for the first time to get a look at how restaurants are connecting with the connected consumer.

3 quick takeaways from WWDC regarding Apple Pay

3 quick takeaways from WWDC regarding Apple Pay

While Apple didn't revamp Apple Pay like some expected, it officially announced its long-rumored entry into the online checkout world.

Week-old Chick-fil-A app hits No. 1 for iTunes downloads

Week-old Chick-fil-A app hits No. 1 for iTunes downloads

In case you haven't heard the news, Chick-fil-A has managed to become the No. 1 most downloaded free app on iTunes, not only by announcing the introduction of the new technology last Wednesday, but also by enticing downloads with an...

Mobile wallets don't have enough going for them right now

Mobile wallets don't have enough going for them right now

Richard Buckle, founder and CEO of Pyalla Technologies LLC, wrote a blog post about how he believes security concerns and an abundance of options for consumers continue to stifle widespread adoption of mobile payments.

Airlines should pursue partnerships with payments innovators

Airlines should pursue partnerships with payments innovators

Kristian Gjerding, CEO of CellPoint Mobile, wrote a recent blog post about how airlines are missing out on potential revenue opportunities by not partnering with the likes Apple and Google.

The Internet of Things to come as Nespresso, Apple, Nest try to grind out predictability

The Internet of Things to come as Nespresso, Apple, Nest try to grind out predictability

The adaptation of digital technology across products, from clothing to coffee, is slowly reshaping what today's consumers expect from brands and their retail experiences. Here's one example, by Nespresso, of how the Internet of Things influences not only new consumer behaviors, but also revenue streams.

Ironing out the wrinkles in mobile ordering

Ironing out the wrinkles in mobile ordering

The actual process of mobile ordering for consumers is simple. But picking up your order at a restaurant can be a little shaky at times.

Social media becomes more of a mobile commerce tool worldwide

Social media becomes more of a mobile commerce tool worldwide

Michelle Evans, digital consumer manager for Euromonitor International, examines the impact social media platforms have on commerce, specifically in the Asia-Pacific region.

Retailers ponder ways to embed loyalty into mobile wallets

Retailers ponder ways to embed loyalty into mobile wallets

What customers want is an easy way to use their fully functional mobile wallets to pay for everything from airline tickets to pharmacy items to clothing. And they'd be extra happy if their airline miles and retailer rewards balances could be incorporated into those transactions.

SXSW spotlight: Best practices from Nordstrom, REI for mobile retail integration

SXSW spotlight: Best practices from Nordstrom, REI for mobile retail integration

Providing consumers with a rewarding and successful digital experience can be tricky given integration hurdles that come into play.

Apple, the FBI and the security of mobile payments

Apple, the FBI and the security of mobile payments

Tim Spenny, from GfK Research, wrote about how the security of mobile phones is relevant to the mobile payments industry.

What to expect from Square's first earnings report

What to expect from Square's first earnings report

Thomas Yohannan gives his thoughts on the company as it prepares to release its first earnings report as a public company next week.

For issuers, the time for mobile payments is now

For issuers, the time for mobile payments is now

As new commerce endpoints continue to emerge, issuers must reconsider how to position their strategy and their brand in a digital world, writes Jordan McKee, senior analyst with the 451 Research Mobility team.

The opportunity for airlines with mobile payments

The opportunity for airlines with mobile payments

Can airlines and global businesses position themselves to potentially gain hundreds of millions in additional revenue by adopting a "mobile-first" payments strategy?

NRF BIG Show focused on enhancing customer experiences

NRF BIG Show focused on enhancing customer experiences

This renewed focus on the customer experience comes at a time when the smartphone, wearables and the Internet of Things become more relevant to consumers and retailers.

The problem with PayPal, 'old money' and digital payments

The problem with PayPal, 'old money' and digital payments

Will Hernandez, editor of Mobile Payments Today, had one thing on his mind after he watched PayPal's Super Bowl 50 commercial: hipsters.

Brands compete with each other to provide best mobile experience

Brands compete with each other to provide best mobile experience

Will Hernandez, the editor for Mobile Payments Today, shares a recent shopping trip that made him think about the mobile experience in 2016. Here's a hint: it still needs work.

The Starbucks mobile model could be difficult for retailers to duplicate

The Starbucks mobile model could be difficult for retailers to duplicate

Mobile Payments Today Editor Will Hernandez discusses the rapidly changing mobile payments market in a blog post.

The 10 most important bank weapons in the digital wallet battleground

The 10 most important bank weapons in the digital wallet battleground

Ed Busby, a former Softcard executive, wrote a blog post on what banks can do to compete with third-party providers.

Mobile payments bubble to the surface amid EMV growing pains

Mobile payments bubble to the surface amid EMV growing pains

A blog post by Mobile Payments Today Editor Will Hernandez argues that the customer buying experience is going backwards with chip cards.

Uneasy alliance: Banks and fintech startups

Uneasy alliance: Banks and fintech startups

Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about how he sees things going down between banks and fintech startups in the future.

Mobile payments set to dominate discussions at Money 20/20

Mobile payments set to dominate discussions at Money 20/20

EMV and bank innovation also should be hot topics next week in Las Vegas, writes Mobile Payments Today Editor Will Hernandez.

Android Pay, ISIS and the road to mobile payments ubiquity

Android Pay, ISIS and the road to mobile payments ubiquity

A number of different factors could help Android Pay pull ahead in 2016, according to Tim Spenny, the vice president of financial services consulting at GfK Custom Research, North America.

The loyalty-program argument with mobile payments

The loyalty-program argument with mobile payments

The point of sale is a valuable moment to boost a consumer's experience. If managed right it can also be a huge loyalty-boosting event.

Reimagining the core: Bank payments systems

Reimagining the core: Bank payments systems

There is pressure on legacy bank payments systems and how they must be reimagined for their successful transformation as the industry moves forward.

Mobile wallets: The hidden commerce model

Mobile wallets: The hidden commerce model

Ed Busby, a former Softcard executive, discusses an overlooked aspect of today's mobile wallet game.

CONNECT: How to get your app into the hands of millennials

CONNECT: How to get your app into the hands of millennials

Millennials will only keep 20 apps on a phone so the challenge is creating one that makes the cut.

CONNECT: Putting a bow on the mobile experience

CONNECT: Putting a bow on the mobile experience

Mobile Payments Today Editor Will Hernandez discusses some of the key points from this year's CONNECT Mobile Innovation Summit.

Major mobile wallet providers not distinguishing themselves

Major mobile wallet providers not distinguishing themselves

Apple Pay leads the pack in media hype, but it's been difficult to gauge its success, along with other schemes.

Banking's digital future: Becoming more relevant to millennials

Banking's digital future: Becoming more relevant to millennials

Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about what changes financial institutions need to make to reach younger consumers.

Remember that time when Rowdy Piper was in a Softcard commercial?

Remember that time when Rowdy Piper was in a Softcard commercial?

The now-defunct mobile wallet's marketing machine was plagued by problems from the start.

Can mobile boost the digital ordering experience?

Can mobile boost the digital ordering experience?

Noah Glass, the founder and CEO of Olo, discusses why mobile is the key to digital ordering success.

No surprise: Gallup finds mobile wallets low priority for consumers

No surprise: Gallup finds mobile wallets low priority for consumers

Just 13 percent of more than 17,000 consumers surveyed have a digital wallet on their smartphone.

Global consumers interested in proximity mobile payments

Global consumers interested in proximity mobile payments

Michelle Evans, senior consumer finance analyst at Euromonitor International, shares some insights from her company's recent Hyperconnectivity Survey.

Fintech 2.0 needed between startups and banks

Fintech 2.0 needed between startups and banks

Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about his recent attendance at the MoneyConf in Belfast.

Companies seek to take plastic to new digital heights

Companies seek to take plastic to new digital heights

Rich McIver examines the different players in this unique market.

Past is prologue: Maximizing future ignition of mobile money

Past is prologue: Maximizing future ignition of mobile money

Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about what the industry can do to help strengthen this sector.

A Microsoft-sized opportunity: Payment processing

A Microsoft-sized opportunity: Payment processing

The payments industry doesn't know much about Microsoft's plan for mobile payments, but Thomas Yohannan gives his take on the situation.

With Android Pay's arrival, battlefield lines have been drawn

With Android Pay's arrival, battlefield lines have been drawn

Google is back in the game with another mobile payments product, but how does it stack up against Apple Pay and Samsung Pay? Michelle Evans, senior consumer finance analyst at Euromonitor International, examines where Android Pay stands at this point.

ATM and mobile: A perfect match

ATM and mobile: A perfect match

Mobile devices are becoming ATM-access tools, able to offer many of the display and keyboard functions currently available on the self-service device.

Can Facebook and Twitter accelerate retail m-commerce markets?

Can Facebook and Twitter accelerate retail m-commerce markets?

Alex Hum wrote his latest blog post about the power social media could have in regards to the retail digital transformation.

Will mobile biometric authentication replace today’s passwords?

Will mobile biometric authentication replace today’s passwords?

Peri Kadaster, the director of strategy and marketing at Monitise, wrote a blog post about a question the industry has been asking for some time.

Does virtual currency's past dictate its future?

Does virtual currency's past dictate its future?

Excerpted from the author's opening remarks at the Virtual Currency Today Summit last week in Boston.

Bitcoin, mobile payments share some consumer adoption problems

Bitcoin, mobile payments share some consumer adoption problems

Executives from across the bitcoin ecosystem gathered in Boston last week for the first Virtual Currency Today Summit.

Mobile-centric narrative required for small merchant EMV adoption

Mobile-centric narrative required for small merchant EMV adoption

Jordan McKee, senior analyst for mobile payments for the 451 Research Mobility Team, writes in a blog post about the opportunity for payment service providers to push mobile payments with small merchants as a reason to upgrade terminals for the EMV shift.

Mobile wallets spin their wheels in the mud as consumer adoption stalls

Mobile wallets spin their wheels in the mud as consumer adoption stalls

Mobile Payments Today Editor Will Hernandez shares his thoughts on the current market.

Facebook Messenger as a business and payments platform

Facebook Messenger as a business and payments platform

Alex Hum takes a deeper dive into some of the new aspects of the latest P2P offering.

Lessons from the journey toward digital money

Lessons from the journey toward digital money

Dan Glessner, the chief marketing officer at Quisk, examines how some countries are marching towards a world where cash is obsolete.

Is HCE ready to transform the point of sale?

Is HCE ready to transform the point of sale?

Peri Kadaster, the director of strategy and marketing at Monitise, wrote a blog post about how this technology is expected to take off in 2015 and beyond.

Payments buzz from Mobile World Congress

Payments buzz from Mobile World Congress

Martin Cox, the global head of sales at Bell ID, wrote a blog post about what everyone was talking about at the recent trade show in Barcelona.

A conversation on all things mobile: Banking, payments, and Costanza

A conversation on all things mobile: Banking, payments, and Costanza

In his latest blog post, Mark Ranta from ACI Worldwide is joined by his colleague Dan Ring for a fun Q&A about the current market.

Future of money: Cashless, cardless, paperless

Future of money: Cashless, cardless, paperless

Dan Glessner, the chief marketing officer at Quisk, examines how new technology will accelerate the evolution of the payments landscape.

A holistic mobile payments strategy goes beyond the point of sale

A holistic mobile payments strategy goes beyond the point of sale

While Apple Pay is grabbing headlines, Shirra Frost from Fiserv believes it's important for banks to not get caught up in the hype and overlook other opportunities that strengthen the customer relationship.

Cracking the Apple Pay code

Cracking the Apple Pay code

Apple released record-breaking first quarter earnings Tuesday afternoon, but the mobile payments industry still doesn't have concrete transaction numbers for the company's wallet.

Apple killed the mobile wallet? No, not in the least

Apple killed the mobile wallet? No, not in the least

Rob Stringer, the vice president of marketing and product development for Cortex MCP, believes there can and will be many viable secure and exciting wallets on operating systems and hardware stacks that remain open such as Android.

Omnichannel banking: A consumer-first, not bank-first, experience

Omnichannel banking: A consumer-first, not bank-first, experience

Fırat İşbecer, Monitise SVP of sales and operations, examines some ways banks can build a successful omnichannel strategy and how mobile can influence it.

Why merchants should adopt a mobile wallet strategy

Why merchants should adopt a mobile wallet strategy

Michelle Evans, senior consumer finance analyst at Euromonitor International, states her case for why retailers need to have a way to reach consumers anytime and anywhere.

Webrooming: A new reality for retailers

Webrooming: A new reality for retailers

Jordan McKee, a senior analyst on the 451 Research Mobility team, discusses how same-day in-store pickup options are working well for retailers who are offering it. Mobile can eventually play a large role in this recent trend, he wrote.

How Apple killed the digital wallet

How Apple killed the digital wallet

Rick Oglesby, a senior research analyst for Double Diamond Payments Research, explains how Apple Pay changed the outlook for mobile payments.

The challenge of creating a new payment type

The challenge of creating a new payment type

Dan Glessner, the chief marketing officer at Quisk, examines the differences between companies that create a new way to pay versus the makings of a new payment type.

The Kessler Effect and today's crowded payments ecosystem

The Kessler Effect and today's crowded payments ecosystem

Dan Kramer, the senior vice president of marketing and merchant services for SHAZAM, wrote about how new entrants in the marketplace can be successful.

The chicken or the egg? Loyalty will drive mobile payments

The chicken or the egg? Loyalty will drive mobile payments

Tiago Soromenho, founder of Mozido's StickyStreet mobile loyalty solution, gives his view on why this is still a longstanding issue.

Uber and lessons for the mobile wallet

Uber and lessons for the mobile wallet

Mark Ranta from ACI Worldwide believes payment apps need to focus on the experience and create new experiences that are meaningfully better than the ones we have today.

Virtual currencies: bitcoin and beyond [infographic]

Virtual currencies: bitcoin and beyond [infographic]

An array of virtual currencies are making their presence known.

Starbucks: Getting rid of plastic in ways no other brand can

Starbucks: Getting rid of plastic in ways no other brand can

Rob Stringer, the vice president of marketing and product development for Cortex MCP, gives us another glimpse into why the coffee giant does loyalty right.

Mobile shoppers want better customer care right now

Mobile shoppers want better customer care right now

John Hibel, director of marketing at Contact Solutions Inc., lays out the issues merchants face as consumers shop more on their smart devices.

Wearables: The future of mobility

Wearables: The future of mobility

Mehul Nayak, from Softweb Solutions, writes about what the future may hold for the Apple Watch, Google Glass and similar devices.

Apple Pay's missing one thing retailers crave: Data

Apple Pay's missing one thing retailers crave: Data

The mobile payments system diminishes the ability to track shopper behavior. This is among the reasons why some major retailers are not accepting it, writes the President and CEO of LoyaltyOne Inc. Bryan Pearson.

Mobile is no longer an alternative channel for banks

Mobile is no longer an alternative channel for banks

The rise of mobile has huge implications for how we manage our money. For banks to remain competitive, it’s essential for them to adopt a mobile-first strategy centered on the consumer experience, writes Monitise SVP of Sales & Operations Fırat İşbecer.

Digital cash: The new, lowest cost payment type

Digital cash: The new, lowest cost payment type

Dan Glessner, the chief marketing officer at Quisk, examines why this payment type can be useful to consumers.

Respatialization of currency: Cryptocurrencies & mesh networks

Respatialization of currency: Cryptocurrencies & mesh networks

Thomas Yohannan examines a possible future link between bitcoin and proximity payments involving mobile devices.

Mobile wallets: It’s a matter of trust

Mobile wallets: It’s a matter of trust

Ed Busby, founder of Hudson Mobile Advisory, examines how recent data breaches have an affect on how consumers view mobile payments.

Virtual currencies are very much a global reality

Virtual currencies are very much a global reality

Mark Ranta from ACI Worldwide believes bitcoin and its alternatives are here to stay, but how can they be regulated?

When Apple Pay met MCX

When Apple Pay met MCX

Ed Busby, the former chief commerce office at Isis (now Softcard), believes both emerging mobile wallets need to work together to ensure success.

Where's my (your) money?: Overcoming mobile payment growing pains

Where's my (your) money?: Overcoming mobile payment growing pains

Ronald Herman, CEO and founder of Sionic Mobile, says having the ability to send relevant promotions, rewarding users with instant incentives and providing security thresholds are critical components of a mobile effort.

Five trends in mobile payments worldwide in 2014

Five trends in mobile payments worldwide in 2014

Michelle Evans, senior consumer finance analyst at Euromonitor International, examines the key areas in the market as the year enters the final quarter.

Don't hand Apple Pay the mobile payments title just yet

Don't hand Apple Pay the mobile payments title just yet

Consumer behavior and the Android users will affect how mobile payments will shake out going forward.

HCE support could reach 85% of smartphones

HCE support could reach 85% of smartphones

Marcelo Delima from Sequent discusses how HCE is available on more Android-supported smartphones.

Build an integrated mobile experience on an identity relationship management platform

Build an integrated mobile experience on an identity relationship management platform

Lasse Andresen, CTO for multinational identity and access management software corporation ForgeRock, discusses how businesses can reach consumers across different channels.

Mobile payments looks for signs of life as the industry moves on

Mobile payments looks for signs of life as the industry moves on

Ed Busby, the former chief commerce office at Isis (now Softcard), examines what the industry might expect to happen in the next year as Apple Pay emerges.

#FutureofPayments: In defense of Bitcoin (and its cousins)

#FutureofPayments: In defense of Bitcoin (and its cousins)

A closer look at why virtual currencies can be beneficial to the financial system.

The mobile commerce revolution: Are you prepared?

The mobile commerce revolution: Are you prepared?

Steve Gurley, CEO and Chief Consultant for Pyrim Technologies, offers 10 questions to help one determine their level of understanding and preparedness for the coming mobile storm.

Softcard seeks an Apple hand

Softcard seeks an Apple hand

Mobile Payments Today Editor Will Hernandez examines some challenges potentially facing the mobile wallet on Apple's new iPhone 6.

The mobile George Costanza wallet

The mobile George Costanza wallet

ACI Worldwide's Mark Ranta discusses the problem of keeping your mobile apps in order on a smartphone.

Apple is the main event, but don't forget the undercard

Apple is the main event, but don't forget the undercard

Mobile Payments Today Editor Will Hernandez reviews what has been an exciting week for the future of mobile payments.

The challenge of, and solution for, secure mobile payments

The challenge of, and solution for, secure mobile payments

Greg Tennant from Cybera talks about what the industry is facing today in regards to mobile payments and security.

Apple and NFC: 10 key considerations for retailers

Apple and NFC: 10 key considerations for retailers

Ed Busby, founder of Hudson Mobile Advisory, lays out a plan for merchants to accept mobile payments.

#CONNECTsummit14: The analyst's view: think mobile first

#CONNECTsummit14: The analyst's view: think mobile first

Michelle Evans, senior consumer finance analyst at Euromonitor International, shares her key takeaways from last week's conference.

Can smart cards bypass mobile?

Can smart cards bypass mobile?

The ability to securely download apps to a consumer's smart card has been demonstrated. But why is this important to a market that is already moving toward mobile payment?

Turning mobile wallet economics on its head

Turning mobile wallet economics on its head

Ed Busby, who is the former chief commerce officer at Isis, believes consumer packaged goods companies represent the best chance for mobile payments.

Host Card Emulation: A solution for the 90%

Host Card Emulation: A solution for the 90%

Marcelo De Lima, vice president of marketing for Sequent Software, believes HCE can better connect the mobile consumer and retail stores.

Integrated loyalty may hold key to mobile payments adoption

Integrated loyalty may hold key to mobile payments adoption

Michelle Evans, consumer finance senior analyst at Euromonitor International, examines in a blog post the evidence that supports how offers drive mobile wallet use.

Mobile POS myopia: Moving beyond the micromerchant

Mobile POS myopia: Moving beyond the micromerchant

Jordan McKee, senior analyst for mobile payments at 451 Research Mobility Team (formerly Yankee Group), writes in a blog post about the opportunity for mPOS providers to offer products and services to larger merchants.

How will HCE affect mobile payments security

How will HCE affect mobile payments security

Simon Keates, principal consultant for mobile security at Thales e-Security, discusses some of the challenges involved with this technology.

Mobile wallets: Moving from early adopters to followers

Mobile wallets: Moving from early adopters to followers

Kristen Gramigna, CMO for BluePay, examines the consumer mobile wallet adoption problem.

The Starbucks mobile wallet: Will fantasy become reality?

The Starbucks mobile wallet: Will fantasy become reality?

Mobile Payments Today Editor Will Hernandez believes robust rewards could help such an initiative take off.

App overload: mobile payments adding convenience or confusion?

App overload: mobile payments adding convenience or confusion?

Ron Herman, Founder & CEO of Sionic Mobile, urges mobile-payment app providers to focus on the customer experience first.

Apple in payments: Bluetooth edition

Apple in payments: Bluetooth edition

Cherian Abraham from Experian Global Consulting examines how Apple might enable payments at the point-of-sale in the next iPhone.

Mobile wallets: will value actually drive adoption?

Mobile wallets: will value actually drive adoption?

Consumer adoption of mobile wallets continues to be held back by legacy point-of-sale systems and competing payment standards even though they provide an excellent payment experience for consumers.

Leave my physical wallet at home? No thanks

Leave my physical wallet at home? No thanks

Mobile Payments Today Editor Will Hernandez addresses one particular marketing issue that is backfiring on mobile wallet providers.

Apple in payments: a disruptor's dilemma

Apple in payments: a disruptor's dilemma

Cherian Abraham, who is the mobile commerce and payments lead at Experian Global Consulting, dives into what we could see happen in the next iPhone.

Mobile is threatening to end POS terminals at restaurants

Mobile is threatening to end POS terminals at restaurants

Noah Glass, Founder and CEO of Olo, believes mobile ordering will one day change this particular industry.

M-Pesa: big in Africa, bigger in Europe?

M-Pesa: big in Africa, bigger in Europe?

Tomasz Krajewski, head of commerce at eLeader, discusses the conditions needed in a country for Vodafone to find success with its mobile payment system.

Is real-time fast enough for banking information?

Is real-time fast enough for banking information?

ACI Worldwide's Mark Ranta thinks FIs should take it to another level.

In mobile payments, iOS is king

In mobile payments, iOS is king

Android might have the market share, but consumers spend more with Apple's system.

Bitcoin: The Future of Currency? [infographic]

Bitcoin: The Future of Currency? [infographic]

Top bank industry executives are all talking about Bitcoin’s threat to legacy payments systems, once they understand how it works. Will Bitcoin be the future of currency?

Have the mobile wallet wars ended?

Have the mobile wallet wars ended?

Remember the not-too-distant past when all of the talk in our industry was around who would win the mobile wallet war? Would it be the banks, the merchants or the third party providers? In the battle for supremacy, fast forward...

Out of Africa: Why NFC will fail and simplicity will be the winner

Out of Africa: Why NFC will fail and simplicity will be the winner

Despite the much publicized consumerization of IT and the growing domination of mobile in the online world, progress with mobile payments always seems pretty slow. Sure, we see high growth numbers but from a low user base.

Want to connect with customers? Think mobile first. [infographic]

Want to connect with customers? Think mobile first. [infographic]

Most Americans now own a smartphone and are using them to shop and eat out.

Credit Breaches Fueling EMV Fire

Credit Breaches Fueling EMV Fire

The high-profile information breaches that recently occurred have the consuming public in an uproar over fraud and identity protection – and not without good reason. While the potential for mayhem and damages emanating from these breaches may be incalculable at...

Apple will change consumers' behavior about contactless mobile payments

Apple will change consumers' behavior about contactless mobile payments

No matter what you think of Apple and its products, you cannot deny the fact the company changes consumers' behavior. And it will do the same for mobile payments one way or the other. A couple of weeks ago I spoke with Dr.

No widespread mobile ticketing a glaring omission

No widespread mobile ticketing a glaring omission

For as much energy as this industry spends on the mobile payments hype machine, we tend to forget the smartphone can solve minor issues that can result in better consumer experiences. Mobile ticketing is one area most companies choose not...

The Philippines is ripe for mobile remittances

The Philippines is ripe for mobile remittances

Filipinos and mobile share a special relationship. With a mobile penetration of over 100 percent, almost everyone in the country has a mobile device.

Mobile payments should be fun

Mobile payments should be fun

Ask yourself, what are the most popular mobile apps out there? Now let's have a little experiment. Ask your friends if you can have a look at the apps installed on their mobile devices.

Mobile and money remittance: A perfect match

Mobile and money remittance: A perfect match

There are real benefits money remittance companies can have by embracing a mobile-first strategy. In fact, when it comes to financial institutions, I believe that mobile and money remittance are the perfect match.

Beware of BOB!

Beware of BOB!

As this very publication has made clear, Direct Operator Billing, or DOB, is "the world's most popular mobile payment method." DOB (or Direct Carrier Billing — DCB — as it is sometimes called) is the state of the art, allowing...

5 things your restaurant’s mobile app must include [infographic]

5 things your restaurant’s mobile app must include [infographic]

Mobile innovations continue to grow at a staggering pace and to win the game, your brand's mobile app is going to need more than just a menu, nutritional information and restaurant locations.

BLE vs. NFC: The future of mobile consumer engagement now [infographic]

Bluetooth Low Energy (BLE) and Near Field Communications (NFC) are playing a key role in helping mobile technologies redefine how businesses and consumers engage with one another.

The growing role of the ATM

When you look at the demise of stores like Best Buy and Blockbuster, it's easy to see why physical retail stores, at least mid-market ones, are going out of business. The value proposition these stores used to afford to the consumer is simply not there anymore, because the Internet makes things cheaper and more robust.

After a natural disaster, mobile payments can speed the inflow of monetary aid

Mobile technology has evolved to the point where it is in almost everyone's pockets, and that can make a big difference in the event of natural disaster. Japan's tsunami, Hurricane Katrina, the Haiti earthquake and typhoon Haiyan, all of these...

As mobile wallet fatigue sets in, look for consolidation among providers

A review of mobile wallets in the United States reveals that these solutions have yet to gain major market traction because of two key factors. First, currently available solutions have no strong value proposition for consumers.

The Internet of everything and payment by things

At the present moment, mobile payments are thought of as mostly a payment system through the use of mobile phones. These phones allow us access to our online accounts through websites and apps, and even mobile banking can allow for...

Balancing mobile payments security vs. ease of use

Mobile is all about ease of use. The key reason why mobile apps use has skyrocketed is because they are so easy to pick up and use on a whim.

Food and Money in 2020

Food and Money in 2020

Eight years after launching my company OLO - the first of its kind to combine mobile commerce and food ordering - I found myself sitting on a conference stage in Las Vegas, addressing a crowd that had come to learn...

Look beyond the obvious for mobile payments' value proposition

We can probably thank King Alyattes for minting the first coin around 610-600 BC, and we've been happily using physical currency ever since. But 2,600 years later (give or take a few), are we finally ready for some major changes...

Recent announcements place NFC payments on life support

Recent announcements by leading players in the payments industry indicate that NFC's prospects for any sort of sustainable future are becoming increasingly dim. It all began in with press announcements in August when Apple and PayPal continued to reaffirm their...

Direct Carrier Billing: The world’s most popular mobile payment [Infographic]

Direct carrier billing lets wireless subscribers place the cost of a purchase for a digital good on their monthly phone bill. It's facilitated by providers who tap into the billing systems of carriers around the world, connecting billions of consumers to a quick, easy way to make a mobile payment.

Five types of offer stacking — and how to beat them

Merchants should look for opportunities to leverage technology that helps them deliver better experiences for customers — without negative effects on their bottom line.

Government payments

As a result of the recent IRS scandal, I am pretty sure credit card charges for government employees will draw extra scrutiny. There are some 3.5 million charge card accounts in the General Services Administration's SmartPay program, according to the federal government's procurement titan.

Mobile payments: Thinking out of the box

I have an article coming out in the soon-to-be published "State of the Mobile Payments Industry" report by Mobile Payments Today. In that article, I point out that the ultimate winner of the mobile payments gold rush will likely be the company that can re-envision the entire payments process.

Why the future of marketing lies in mobile payments

Why the future of marketing lies in mobile payments

For merchants, the convergence of payments and marketing should bring in new customers, increase sales from existing customers and provide more customer data.

The stars align for Apple and mobile payments

The stars align for Apple and mobile payments

Apple is getting closer to offering mobile payments – a lot closer. Though in Apple time that could still be a year or more. I’m not thinking about NFC in the iPhone.

Mobile payments and the identity revolution

At the heart of mobile payments is identity. In a cash based society, identity isn’t a very big concern as everyone’s cash is the same.

Journey into the near future of mobile payments [infographic]

Journey into the near future of mobile payments [infographic]

From shopping on their phones to ditching change at the parking meter, consumers are embracing mobile payments for an ever larger number of daily tasks.

Changing of the guard in Generation M

Changing of the guard in Generation M

In the days of yore there were credit cards, banks and money remitters – each group had its leading companies and business was pretty much status quo. There wasn’t much new; financial products were kind of bland and nothing really happened other than a few mergers and acquisitions.

What's next for payment aggregators?

What's next for payment aggregators?

The ranks of POS payment aggregators – payment service providers (PSPs) that act as the merchant or record – are growing. Square, Intuit, and PayPal are the most visible players, and there are new market entrants on a regular basis.  They are lured by the promise of a large untapped market and low cost of customer acquisition.

How to grow online sales: What the GrubHub/Seamless merger means

How to grow online sales: What the GrubHub/Seamless merger means

As the National Restaurant Show lumbered into its third day, GrubHub and Seamless, two leading online ordering providers for independent restaurants, awakened the industry with a major announcement — a merger that would form the nation's largest network for mobile...

Mobile payments don't depend on Apple, but Apple will soon depend on mobile payments

Mobile payments don't depend on Apple, but Apple will soon depend on mobile payments

As per the last count (and I keep track of this stuff) there are 47 misconceptions, misunderstandings, and myths about Apple when it comes to mobile payments. I’m not going to bore you with all 47, but we can hit the highlights on three which have recently been brought to the forefront.  1.

Spark Pay from Capital One: Not innovative, but a good deal

Spark Pay from Capital One: Not innovative, but a good deal

Capital One Bank has quietly launched Spark Pay, a mobile card acceptance product focused primarily on small merchants. At first glance, the program appears to be similar to systems from Square, Intuit, and PayPal.

Chase Visa deal and SDWOANAF: where potential and confusion meet

Chase Visa deal and SDWOANAF: where potential and confusion meet

Writing clearly requires more effort than just writing; this becomes more evident the more complicated the subject. The Wall Street Journal provided a good example of that recently with its article "What's in Your Digital Wallet? Lucrative Data" The story...

FTC issues report on increased use of mobile payments

FTC issues report on increased use of mobile payments

The Federal Trade Commission recently issued a staff report titled "Paper, Plastic … or Mobile?" The report, which is based on an FTC workshop, highlights key consumer and privacy issues resulting from the increasingly widespread use of mobile payments. According...

MasterCard's new wallet fee: taxing the competition?

MasterCard's new wallet fee: taxing the competition?

MasterCard has opened a new front in the wallet war — a fee upon mobile wallet operators. The new "staged digital wallet operator annual network access fee" (SDWOANAF? A horrible acronym if ever there was one) is a kind of...

Amazon's bi-modal purchasers

Amazon seems to think that there is a market for virtual coins. The company revealed the possibility of a customer buying apps or in-app purchases with their credit card or virtual coins.

Return of NFC: The Curse of the Secure Element

Return of NFC: The Curse of the Secure Element

This post is in response to the recent Bankinter story of NFC payments at the point-of-sale without requiring an SE — and the lack of any real detail around how it plans to achieve that goal. I am not privy...

Merchants critical to mobile payment success: why you can't dismiss MCX

Merchants critical to mobile payment success: why you can't dismiss MCX

During the last couple of years, we’ve seen the conversation about mobile commerce shift as efforts from payment networks, mobile network providers and technology firms have been rolled out with quite limited success. Projections of rapid adoption have given way...

How to win at mobile commerce: identity management

How to win at mobile commerce: identity management

How many times have you seen a new report about a new method of payment that is going to revolutionize mobile ecommerce? It’s faster, it’s easier, and it’s designed for the mobile device. Now think about how many of those...

Smells like innovation

Smells like innovation

Big news with Chase entering in to a 10 year expanded partnership with Visa to create a ‘differentiated experience’ for its merchants and consumers. I would warn anyone thinking “offers and deals” when they hear “differentiated experience," because I believe...

Report from Mobile World Congress 2013

Report from Mobile World Congress 2013

I come to Barcelona for Mobile World Congress every year. I often don’t see much of the expo or conference itself, as I stuff my diary with as many meetings as seems reasonable from my cozy office desk.

MCX takes payments back to the future

When MCX (Merchant Customer Exchange) announced that they were going to launch their own mobile payments platform in 2012, that news reverberated in the American payments market like a shot. Prior mobile payment efforts were impressive thanks to heavyweights like...

Mobile Wallets: What does Linda think?

Mobile Wallets: What does Linda think?

Many years of observation have revealed that my wife, Linda, is fairly representative of the average consumer when it pertains to the adoption of new technologies. If she likes something, it’s fairly predictable that masses will as well.

The '3X factor' of carrier billing in app store purchases

The '3X factor' of carrier billing in app store purchases

2012 was a record year in the growth of app store purchases over mobile operator billing. Google Play sales processed via carrier billing by Amdocs for leading NA operators tripled in revenues last year.

Seven myths about the new credit card fees you have to pay

Seven myths about the new credit card fees you have to pay

What you think you know about the credit card fees is probably wrong.

Google Wallet takes off the training wheels

Google Wallet takes off the training wheels

At midnight yesterday, Google sent me an email on how the new GoogleWallet update will now allow me to store my "Citi MasterCard" online. As other Google Wallet aficionados may recall (Bueller..? Bueller..?), Citi was the lone standout in Google Wallet's journey to the cloud and its race to conformity.

Are mobile payments really about payments?

Are mobile payments really about payments?

Especially in banked markets, where payment card penetration is often above the hundred percent, we have all learned to recognize that mobile payments needs to be more then "mobilizing" payments by changing the form factor from plastic card to a...

MCX - MerChants reduX

MCX - MerChants reduX

Recently, I spent an hour chatting with friends of mine who launched a small business about what worked and what didn’t. When the topic veered off to card acceptance costs, the reaction was visceral – one of absolute loathing and the struggle to understand the myriad ‘Do’s and Don’ts’ of what cards to accept and how to accept them.

Mobile Wallet: What's your value prop?

Mobile Wallet: What's your value prop?

Mobile wallet offerings need to give consumers what they really want.

Technology's Risky Allure

Technology's Risky Allure

I saw an article today about the apparent slow adoption of a very cool technology Citi had incorporated in their C2 card—a Finovate “Best of Show” technology from Dynamics, Inc. that makes plastic cards multi-functional.

Should retailers really be concerned with who controls the mobile wallet?

Should retailers really be concerned with who controls the mobile wallet?

MCX isn’t the first retailer(s) to try either controlling the mobile wallet or creating their own. The question at this point is should they even be concerned.

Bango holds Nexus 2012: ‘Making money from the mobile web’

Bango holds Nexus 2012: ‘Making money from the mobile web’

Earlier this month, we at Bango held the latest in our long-running Nexus event series, in San Francisco. Bango Nexus is a prestigious, invite-only event that brings together key players shaping the mobile internet, and I’m glad to share some...

There and back again: a customer journey with PayPal

There and back again: a customer journey with PayPal

I remember creating my PayPal account back in 2000 when an acquaintance of mine wanted to split the lunch tab with me and sent me $20 via email a couple of days later. I remember hurriedly opting to cash out via check, having little trust in a newfangled payment startup.

Why successful mobile payment solutions succeed

Why successful mobile payment solutions succeed

Talk of mobile is on everyone’s lips these days, the word “mobile” appears in more and more LinkedIn profiles, and articles about new initiatives appear daily. But I’ve seen very few attempts to figure out why mobile efforts succeed.

Kenyan Banks vs. M-PESA: the gloves come off

Kenyan Banks vs. M-PESA: the gloves come off

Kenya has made impressive strides in overall financial inclusion over the last five years, thanks to the launch of the M-PESA mobile money transfer service by Safaricom Ltd. M-PESA has within the same period opened the eyes of the world...

Bill & Ted’s Mobile NFC Transit & Ticketing Adventure

Bill & Ted’s Mobile NFC Transit & Ticketing Adventure

We are excited about the impact that mobile and near field communication (NFC) technology could have on the transit and ticketing sector. Following Bell ID’s recent acquisition of smart card solutions company, Ecebs, we wanted to share our vision for...

The revolution you're missing: mobile payments and emerging markets

The revolution you're missing: mobile payments and emerging markets

Mobile payments are growing where the need for them is greatest.

The top 8 features of the Square/Starbucks launch

The top 8 features of the Square/Starbucks launch

Square launched at Starbucks today, and it is an interesting step forward in the world of mobile commerce – not just for Starbucks, but for other Square retailers. For all of the good and not-so-good features of Square’s new app,...

Legally blind

Legally blind

When it comes to mobile banking, financial institutions have been willfully blind.

Let's talk about fraud

Let's talk about fraud

I am in Vegas and I am fascinated by my room key. This is not the usual "insert into the slot, wait for it turn green or hear it chime" key cards; these are 'tap and hold to a door scanner till the door opens' RFID key card.

Why is Isis a big deal?

Why is Isis a big deal?

Contrary to what may be said, Isis is a big deal for mobile payments.

No doot aboot it

No doot aboot it

Canada is angling to become a world leader in mobile payments.

Swipe out?

If NFC isn't dead, it's fair to describe it as not feeling very well. The mobile payments industry floats on oceans of hype and buoyed expectations as any industry in its infancy must.

Mobile banking vs. mobile payments - which is bigger?

Mobile banking vs. mobile payments - which is bigger?

The other day, out of sheer curiosity, I Googled the words "mobile payments." The search turned up "About 34,100,000 results." Wow, I thought. Then I searched the same term in the Google News section.

Oh no! Here we go again

Oh no! Here we go again

Mobile Payments Today recently had an article entitled: "Wal-Mart Exec Says ‘No’ to Google Wallet, NFC." Not long after the article was published, I had people flooding my in-box with both shrieks of panic saying: "Oh no! You’re doomed!" and...

Which app stores keep their developers happy?

Which app stores keep their developers happy?

Bango survey on app store payment processes takes the temperature of the global developer community.

Five reasons the iPhone 5 excludes NFC

Five reasons the iPhone 5 excludes NFC

Based on Apple's press conference on September 12, their strategy can be described as: change customer behavior now, encourage an upgrade later. The Apple wallet is going to be called “Passbook.” It works without an NFC chip, relying instead on...

But they didn't

But they didn't

Apple could have done so much more with its newest iPhone.

Mobile commerce in meetings and travel

Mobile commerce in the meetings and travel space will be an exciting development because of the need and opportunity for disruption within many facets of the market. It’s an industry that has long prided itself on relationships, not an unfair statement because most industries do.

10 things you (and maybe Google!) didn't know Google Wallet can do

10 things you (and maybe Google!) didn't know Google Wallet can do

On a normal business day I probably have a meeting or call with at least half a dozen companies, and the first thing they think of when I mention NFC is mobile payments. More specifically, they always correlate Google Wallet with NFC.

How mobile POS and payment systems prevent fraud

How mobile POS and payment systems prevent fraud

Mobile payment technologies actually provide more safeguards than current payment methods.

Apple's victory over Samsung may yet be a win for NFC

Apple's victory over Samsung may yet be a win for NFC

Thanks to the recent judgment in Apple's lawsuit against Samsung, next month we could see a potential import ban placed on Samsung on top of the damages awarded to Apple. So how is this a good thing for mobile payments...

It's all about the data in Generation-M

It's all about the data in Generation-M

Is big data worth more than big fees in the evolving world of payments?

May I see your smartphone and registration please?

If we want mobile wallets, what do we do with our driver's licenses?

Can we get rid of payment terminals?

Can we get rid of payment terminals?

Some might call it the nerdy behavior of a passionate m-commerce professional, but each time I check out at the grocery store I am intrigued by these small, strangely designed payment terminal devices on the counter. They're a mix of...

Isis, it's not you; it's your business model

Isis, it's not you; it's your business model

Is Google Wallet making a comeback before Isis even shows up?

Switch to decaf. This isn't the end of NFC.

Switch to decaf. This isn't the end of NFC.

The partnership between Starbucks and Square won't stop NFC for mobile payments.

NFC takes a shot in the belly

NFC takes a shot in the belly

The Square and Starbucks deal makes NFC a lot less attractive.

Checking in on mobile banking

Checking in on mobile banking

A year ago I wrote a piece on The Future of Mobile Banking sharing my opinion that financial institutions were well positioned to row their own boats when it came to mobile payments. (By the way, let’s use the word...

The Ten Commandments of Payments

The Ten Commandments of Payments

What people often forget when delivering new payment services is that the execution of the capability is more important that the capability itself. New services are not successful because of the technology they use, or even how they have been marketed.

TRAVIK (Sixpack) is dead; long live...?

TRAVIK (Sixpack) is dead; long live...?

What's next for MNOs and banks looking to offer NFC payments?

Why carriers will (not) partner with Google Wallet

Why carriers will (not) partner with Google Wallet

Is there a value to carriers to offer a service that cuts them out of mobile payments?

Mobile money: from infancy to intrinsic

Mobile money: from infancy to intrinsic

Will Apple's Passbook move mobile money out of its infancy?

Is Apple tipping its NFC hand?

Is Apple tipping its NFC hand?

If you look at some of Apple's patents over the last year, you see NFC everywhere.

NFC beyond payment – Bill & Ted’s NFC adventure

NFC beyond payment – Bill & Ted’s NFC adventure

Currently, the hype around near field communication (NFC) is largely centred on mobile wallets and other payment applications, yet the technology is capable of offering so much more to consumers’ daily lives. Let’s consider a scenario – old friends are...

PayPal introduces 'bypass' model to retail payments

PayPal introduces 'bypass' model to retail payments

Are payment companies about to see themselves undermined?

Mobile POS in the age of omni-channel

Mobile POS in the age of omni-channel

Five years from now, the least likely place a transaction will be completed is at the cash wrap. In the past, customers and retailers have experienced a single channel touch point via the brick-and-mortar store.

iCarte: contactless payments for iPhones

iCarte: contactless payments for iPhones

There were a lot of rumors around iPhone’s new version iPhone 4 that it would come with an NFC chip, but unfortunately it didn’t. It’d be a huge step for the contactless space, and could also be a huge step...

Apple using Bluetooth for payments: the worst idea

Apple using Bluetooth for payments: the worst idea

People really think Apple is going with Bluetooth for payments?

Mobile payment conferences: déjà vu all over again

Mobile payment conferences: déjà vu all over again

Everyone's talking about mobile payments, but who are they talking to?

Feature Phones are Key to Mobile Payments Adoption

Feature Phones are Key to Mobile Payments Adoption

Mobile payment are smartphone solutions in a feature phone world.

Moving beyond lip service: mobile wallets and the under/unbanked

Moving beyond lip service: mobile wallets and the under/unbanked

Everyone and their uncle are tripping over themselves in a race to launch a mobile wallet, or at least talk about an intent to produce one in time. Judging by the number of initiatives out there (or soon to be),...

How customers are driving mobile POS

How customers are driving mobile POS

Retail stores are in a push for customers to drive their shopping experience—from selection to checkout. At the same time, customers are looking for a cross-channel shopping experience that can encompass the digital shopping cart, combining all channels from in-store...

BlackBerry World 2012

BlackBerry World 2012 was a surprisingly robust and upbeat affair given the travails of Research in Motion as of late. 2011 was such a disastrous year for the company that it was tempting to speculate that the choice of Waterloo...

Google Wallet: Connecting the dots in Generation-M

Google Wallet: Connecting the dots in Generation-M

Mobile payments still has a few wrinkles that need to be ironed out.

Contactless EMV - What is the value to retailers?

Contactless EMV - What is the value to retailers?

Retailers often ask, “What new POS equipment should I buy?” My answer has been the same for almost 4 years: “Nothing, yet.” My logic is this: The upcoming liability shift occurs in October 2015 for merchants that have not deployed...

Tales from the East

Tales from the East

Look to Asia Pacific to see where the real action is in mobile payments.

Numbers: the universal language of Generation M

Numbers: the universal language of Generation M

Mobile Payments Today blogger Bruce Burke convened the "Social, Mobile, Payments" conference in Orlando, Fla. earlier this month.

There is no such thing as mobile or electronic commerce anymore

There is no such thing as mobile or electronic commerce anymore

Can retailers give consumers what they want in a multi-channel retail world?

Safaricom marks 5 years amidst agent liquidity concerns

Safaricom marks 5 years amidst agent liquidity concerns

In March 2012, M-PESA, a mobile phone based electronic money transfer and payments service marked five years since its commercial launch in Kenya by Safaricom, the leading mobile phone service provider in Kenya. It is no secret that one of...

Wake up, Google! Part 3

Wake up, Google! Part 3

What does Google do with Google Wallet now?

Wake up, Google! Part 2

Wake up, Google! Part 2

What can Google do with Google Wallet now?

Wake up, Google!

Wake up, Google!

What can Google do with Google Wallet now?

Bold statement from an industry leader

Bold statement from an industry leader

When VeriFone speaks, they often reveal the next advances in Mobile Commerce. They spoke clearly at the GSMA conference earlier this month regarding both Near Field Communications (NFC) and Mobile Network Operators (MNOs). In October of 2010 when VeriFone announced...

Could Apple bring the end of handset subsidies?

Will mobile payments mean no more subsidies and long-term contracts?

The high stakes world of mobile payments [Infographic]

The high stakes world of mobile payments [Infographic]

Many companies are going "all-in" for a share of the mobile payments jackpot.

Isis & Google Wallet: compare and contrast NFC payment solutions

Isis & Google Wallet: compare and contrast NFC payment solutions

Which digital wallet in the U.S. has the edge as NFC reaches its tipping point.

Pay Industry Pressure Past the Red Line (and Growing)

Pay Industry Pressure Past the Red Line (and Growing)

Published with permission from the author. This post originally appeared on peHUB. The payments industry manages almost $5.5 trillion in the US every year, and about $13 trillion worldwide.

Apple iWallet - The giant awakes?

Is Apple getting in the mobile payment game?

Mobile payments: some will succeed, some will fail

Mobile payments: some will succeed, some will fail

Not every use case for mobile payments is destined to be a winner.

The secret to who makes the most money in mobile payments

The secret to who makes the most money in mobile payments

Who is the early favorite to make a killing in mobile payments? The answer may (or may not) surprise you.

Carriers: We're here to help!

Carriers: We're here to help!

Carriers view mobile payments as a new way to stay relelvant. But will they?

Will telcos avoid the dumb pipe trap with mobile payments?

Every February, the mobile industry puts on its finest display of new tech and services at the Mobile World Congress, which took place this year in Barcelona. If you are addicted to all things mobile, this show is a your...

Don't think mobile commerce; think agile commerce

Don't think mobile commerce; think agile commerce

A carefully executed mobile strategy offers retailers the opportunity to engage with consumers at every step of their retail journeys.

Apple Payments, or How I stopped worrying and learned to love the uncertainty

When Steve Jobs died in 2011, it was a media event of huge proportions. People and pundits flooded the internet, airwaves and print with testimonials and appreciations of his accomplishments, evoking comparisons to titans of industry like Thomas Edison and...

Virtual Vegas: Cashless in Generation M!

Virtual Vegas: Cashless in Generation M!

Exploring mobile money and cashless alternatives in Sin City.

IPhone 5, NFC and IWallet - pick any two

IPhone 5, NFC and IWallet - pick any two

Being on Week 3 of a self imposed Google Wallet embargo, I had instead been writing about the ongoing turf wars between platform providers and carriers, which is starting to sound like an episode of "Mob Wives." Though the bulk...

Are retailers focusing on the wrong value for mobile in retail locations?

Are retailers focusing on the wrong value for mobile in retail locations?

For retail, 2012 is all about mobile, mobile, mobile. But are they doing it all wrong by focusing on something that’s destined to fail? No, I’m not saying mobile phones in consumer's hands, and retailers pushing services onto those phones, will fail.

Going to a concert?  Taking the train?  There’s a mobile payment for that.

Going to a concert? Taking the train? There’s a mobile payment for that.

Ticketing and transportation provide perfect use cases for mobile payments.

Whither retail? Some thoughts as NRF 2012 winds down

Whither retail? Some thoughts as NRF 2012 winds down

The National Retail Federation (NRF) is just winding down its 101st "Big Show" in New York as I write this. The focus is pretty timely: it's all about jobs and growth and retail's contribution to each. According to the NRF, 1 in 5 jobs in America is retail-related.

NFC kiosks in Japan have helped mobile payment adoption

NFC kiosks in Japan have helped mobile payment adoption

I recently read several articles about the slow adoption of mobile and NFC payment in the U.S. including the following - Hold onto your wallets: Mobile payments seeing slow adoption. In Japan, NFC (more precisely NFC-F which is different from NFC-A and -B used in the U.S.) has been enthusiastically adopted nationwide over the last 10 years.

On the road with Google Wallet

On the road with Google Wallet

I rode about 900 miles in the last four days, cutting across Virginia, Maryland, Pennsylvania and New Jersey to be together with my family for Christmas. I figured this would be a good time to put my new Galaxy Nexus and the Google Wallet app through its paces.

Picture Perfect - processing images in Generation-M

Picture Perfect - processing images in Generation-M

How image capture technology may affect the development of mobile transactions.

A Mobile Sales Tax?

Mobile shopping on CyberMonday was huge! According to the PayPal data there was a 552 percent increase in global mobile payment volume on Cyber Monday 2011 compared to 2010. The global mobile payment volume also experienced a 154 percent increase...

Trouble brewing for Google Wallet

Trouble brewing for Google Wallet

How does Google Wallet surmount the growing number of obstacles to adoption?

Mobile payments via SIM card: opportunity or failure right out of the gate?

Mobile payments via SIM card: opportunity or failure right out of the gate?

Is it too late for mobile payments via contactless SIM cards?

Google Wallet: A missed opportunity?

Google Wallet: A missed opportunity?

Despite the fanfare, the Google Wallet isn't a total success.

A history lesson and European money

How will today's economic and social turmoil affect the way mobile payments are regulated?

Isis should be helping Google, for their benefit

Isis should be helping Google, for their benefit

Isis should cooperate with Google and let them do all the heavy lifting

M2M: Mobile to machine in Generation-M!

M2M: Mobile to machine in Generation-M!

CTIA conference highlights the future for mobile payments in a machine-to-machine world

Developing a multi-channel bill payment strategy

Developing a multi-channel bill payment strategy

Self-serve financial services kiosks are often the main attraction at trade shows, conferences and exhibitions, as they capture the imagination of service providers and retailers by utilizing innovative technology solutions to satisfy consumers' thirst for convenience. Most recently, the Utility...

The mobile wallet changes everything for FIs, but not so good for the wallet makers

The mobile wallet changes everything for FIs, but not so good for the wallet makers

Financial institutions have big opportunities in mobile wallets, but will the wallets themselves become a commodity?

My issue with issuers

A story about one man's concern for issuers in the mobile payment future.

iPhone on Sprint will make Google Wallet accelerate, even without NFC

iPhone on Sprint will make Google Wallet accelerate, even without NFC

Even if it doesn’t include NFC and mobile payments, Apple’s iPhone 5 may still spur mobile payment adoption.

On PayPal taking the mobile payment initiative

On PayPal taking the mobile payment initiative

PayPal's efforts to become a mobile payment leader amount to some savvy PR at the moment.

The Future of Mobile Banking

The Future of Mobile Banking

Basic mobile banking is table stakes for today's FIs. What's the next step for mobile banking?

Communication, Cooperation and Collaboration: A Modern Business Model For Generation-M!

Communication, Cooperation and Collaboration: A Modern Business Model For Generation-M!

As mobile and financial services converge, cooperation and collaboration are more important than ever.

Payment gamification

Making a game out of mobile payments may be exactly what's necessary to spur adoption.

The most important mobile payment infographic. Ever.

The most important mobile payment infographic. Ever.

We at Mobile Payments Today felt it was up to us to cut through the hype and clear things up to define what a mobile payment is. And we knew just how to do it: an infographic.

Is direct operator billing the next big thing in mobile payments?

Is direct operator billing the next big thing in mobile payments?

Allowing consumers to put purchases on their phone bill has advantages, so how big will it get?

Mobile money services: The Human Network

Mobile money services: The Human Network

The evolution of mobile money isn't all about technology.

Policy and Charging Control and Mobile Payments

A primer on PCC and how it works to make mobile payments more reliable on a wireless network.

Consolidation in the Mobile Payments Industry

Consolidation in the Mobile Payments Industry

How eBay Changed the Perception and Evaluation of the Global Mobile Payments Industry

Are Isis and Google really competitors in the mobile wallet biz? Not exactly.

Are Isis and Google really competitors in the mobile wallet biz? Not exactly.

The fight is on between Isis and Google for mobile wallet preeminence. Or is it?

New mobile commerce industry outlook presented at PrePaid Press Expo in Las Vegas

New mobile commerce industry outlook presented at PrePaid Press Expo in Las Vegas

Panelists at the recent Prepaid Expo in Las Vegas provided some insights into where mobile payments is heading.

Is Isis in crisis?

Despite long odds, Isis still has some cards to play.

What's in MY wallet?

What's in MY wallet?

What am I doing personally to move mobile money ahead?

It's checkout time

Nordstrom's new tablet makes checking out a part of the "story" of shopping.

Is mobile banking more secure than traditional online banking?

Is mobile banking more secure than traditional online banking?

Mobile banking is on the rise for more reasons than convenience. In truth, it’s more secure than traditional online baking.

PayPal preaches against NFC, but the devil is in the details

PayPal preaches against NFC, but the devil is in the details

PayPal says it is looking at many technologies, including NFC, then days later its parent company comes out and says NFC is "not for commerce." What does it mean? The devil is in the details.

Towards a global, interoperable mobile money network

Towards a global, interoperable mobile money network

Organizations worldwide are looking to create a mobile money ecosystem to increase financial inclusion

The mobile supermarket

Tesco’s virtual supermarket is a wonderful blend of retail and technology which opens a new realm for marketing.

Thinterface: Moore's Law and mobile payments

Thinterface: Moore's Law and mobile payments

In January of this year I ignored blizzard warnings and made a trek to New York City to participate in the First Annual Mobile Payments Conference being held at the iconic New Yorker Hotel. I was one of the lucky few whose flight wasn’t impeded by the thick blanket of snow that was dumped on the Northeast that week.

The economy needs jobs? There are lots of them if you're in mobile payments!

The economy needs jobs? There are lots of them if you're in mobile payments!

Turn on the news today and the stock market might be doing ok, but the topic on people’s minds is jobs, jobs, and "Hey, where are the jobs?"  I’ve recently learned through a few associates in the industry of something that seems to be a pattern. In May, we saw Google announce its Mobile Wallet.

Convergence: social, mobile and payments

Convergence: social, mobile and payments

As social, mobile and payments combine, the possibilities for commerce seem limitless.

Forget about the wallet wars; here come the IP wars

Forget about the wallet wars; here come the IP wars

As competition heats up for mobile payment market share, the market for mobile payment IP may be heating up too.

There's no such thing as an

There's no such thing as an "alternative mobile payment technology"

Alternative mobile payment technologies? There's only one, no alternatives.

How mobile payments could have prevented the Sony data breach(es)

How mobile payments could have prevented the Sony data breach(es)

Mobile payments represent a more convenient, and more secure, payment method.

Smartphone wallets? That's so 2010. T-Commerce in Generation-M!

Smartphone wallets? That's so 2010. T-Commerce in Generation-M!

Do you want to be ahead of the curve? Don't think mobile; think tablets.

Mobile payment innovation: Managing personal finances through expedited payments

Mobile payment innovation: Managing personal finances through expedited payments

In today's tough economic environment, municipalities and their residents feel the negative impacts of financial hardships. As municipalities across the United States continue to deliver essential utility services, such as electricity, gas and water, they rely on timely receipt of payments to balance their budgets.

When it comes to mobile payments, the next big bet isn't China or India

When it comes to mobile payments, the next big bet isn't China or India

While China and India may seem like good markets for mobile payments, the real opportunity may be in Latin America.

The impetus for consumers' involvement in mobile money ecosystems

The impetus for consumers' involvement in mobile money ecosystems

In my first column for Mobile Payments Today, I defined our current decade with a “handle” that summarizes a concept everyone can easily grasp: “Generation-M”. I spoke of how there are many changes taking place and how mobile money, payments...

Google Wallet will be more secure than plastic credit/debit cards

Google Wallet will be more secure than plastic credit/debit cards

The combination of security features in Google's mobile payment product is stronger than plastic cards alone.

The people behind the scenes of the Google Wallet announcement

The people behind the scenes of the Google Wallet announcement

There are a lot of people who deserve credit for the Google Wallet announcement.

Rumors are in; logic is out

Rumors are in; logic is out

Just when I thought most rumors were simply vapid, and would never become completely crazy, along comes the latest rumor about NFC terminals as the "big surprise" for Apple’s store anniversary. When did the tech and finance industries become as...

Mobile Payments Opportunity: The Coupon Coupe

You may have missed an interesting anniversary in 2009: 100 years since the widespread introduction of the coupon. Since then, coupons have been a useful tool for manufacturers who want you to give their products a try, and are willing to give you incentives to do so.

Welcome to Generation M

Welcome to Generation M

Since this is my first blog for Mobile Payments Today under the title of “It’s Generation-M,” I thought it would be a good idea to define Generation-M to help you understand what I’ll be rambling on about in the weeks...

If Apple waits on NFC, it will be a mistake

If Apple waits on NFC, it will be a mistake

There is no question that Apple will put NFC in either its iPhone in version 5 or 6. Some are saying Apple will wait until version 6 because of the relative infancy of mobile payments, but the questions now facing...

VeriFone defines next generation of mobile commerce services with PAYMEDIA

VeriFone defines next generation of mobile commerce services with PAYMEDIA

VeriFone has crystallized its long-term position in a pivotal announcement today about new product determined to put the VeriFone POS devices at the coveted center of payments, loyalty, and mobile commerce industries. As reported by American Banker this morning, VeriFone’s...

Will retailers use

Will retailers use "tender steering" to control interchange fees?

A process called “tender steering” is new to most retailers.  It means that a retailer can provide incentives to customers to use a particular type of card to pay.

Mobile payments: It's all in the promotion

I have been writing about why I believe mobile payments will eclipse the card-based payment system that dominates the U.S. today.

What, me worry?

What, me worry?

Maybe we shouldn't be asking "Who will regulate mobile payments?" but "Who won't?"

The mobile wallet is killing mobile payments

The mobile wallet is killing mobile payments

We constantly hear about the mythical mobile wallet, an idea that has yet to be truly standardized. Its security has some standards from global platforms, and we are seeing some industry groups try to standardize OTA provisioning and control of keys.

The rumors you're hearing are all true

The rumors you're hearing are all true

Should you trust unnamed sources on mobile payments? Probably.

The key to Amazon's mobile payments strategy: know JACC

The key to Amazon's mobile payments strategy: know JACC

Last week, Bloomberg.com reported that Amazon.com’s “Amazon Payments” unit is working on a mobile solution based on Near Field Communication (NFC). But an analysis of the potential business models and revenues strategy of Amazon all but precludes NFC as the...

Drivers for mobile payments part II: Loyalty

If you have been watching the recent press releases from Amazon, Sprint, Microsoft and others, you probably have come to the conclusion that there is a great deal of activity in mobile payments, but precious little clarity as to what...

Sprint may have just made its smartest move in years

Sprint may have just made its smartest move in years

Today we heard that Sprint Nextel Corp. will be launching NFC based payments this year – not next year, but this year.

Fasten your seat belts, it's going to be a bumpy ride

Fasten your seat belts, it's going to be a bumpy ride

Are NFC payments a foregone conclusion or overhyped fad?

On social couponing and the evolution of mobile payments

On social couponing and the evolution of mobile payments

Groupon, and websites like it, have been getting a great deal of buzz and excitement recently. They are clearly part of the mobile payments ecosystem because they are focused on mobile and generate transactions for products and services in the physical world.

Consumers ready for their mobile close-up

94% of North Americans are ready for Mobile Payments? Yes, with a big caveat.  You may have read recently that Mobio commissioned a survey of 1085 North Americans to solicit their views on mobile payments. Mobio was interested in learning why, despite nearly ten years of hype, growth in mobile payments was not exactly through the roof.

Five mobile payment lessons from CTIA

Five mobile payment lessons from CTIA

Some big takeaways for mobile payments from this year's CTIA Conference in Orlando

Prognosis terminal? Will mobile payments kill the credit card terminal?

Are credit card terminals headed for history's dustbin?

Combining payments and loyalty programs

Combining payments and loyalty programs

How loyalty and convenience will foster mobile payment adoption.

Polishing the Apple: Apple waits on NFC

What new rumors about Apple's NFC plans may mean

A Square bubble?

A Square bubble?

After reaching a minor milestone, is Square on its way towards meeting expectations?

PayPal rolls out micropayments -- is brick and mortar next?

PayPal rolls out micropayments -- is brick and mortar next?

PayPal’s announcement yesterday rolls out micropayments (transactions under $12) for online purchases, and further improves their position for a large stake in the mobile payments arena. But how would they leverage this micropayment capability at a brick-and-mortar store? One possibility is the ‘do-it-yourself’ approach, as shown in the diagram.

Mobile Payment on the rise

Mobile Payment on the rise

At the turn of a new decade, smartphones are becoming ubiquitous, and a necessity rather than just a convenience. The latest technological breakthroughs in mobile payment are bound to further revolutionize our way of life, as more consumers embrace new...

Educating The Mobile Industry

Educating The Mobile Industry

The digital signage industry is becoming aware of mobility, but the same can't be said about the mobile industry becoming more aware of the digital signage industry. An effort is underway to change this.

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Mobile Payments Today: September's top 5 reads