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.
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.
Recent changes to how Apple deals with the NFC chip in the iPhone and Apple Watch presents a world of opportunities.
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.
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.
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.
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.
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.
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.
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.
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?
While more connected devices is convenient for consumers as far as payments, it also opens a window for cybercrime and security breaches.
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.
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.
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.
What areas of innovation could shape the channel, and how can financial institutions keep users engaged and satisfied?
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.
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.
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?
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 Payments Today Editor Will Hernandez previews the latest guide from Networld Media Group.
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 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.
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.
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.
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.
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.
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.
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.
Dan Puterbaugh, senior legal advocate for Adobe, discusses the opportunity for the underbanked and unbanked to break into the financial mainstream.
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.
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"?
Nav Kullar, marketing manager for NCR Payments, cites a recent Visa study about this trend with consumers traveling abroad.
Julian Wallis, the retail director at Rambus, believes better value-added services can help retailers reverse declining revenue growth.
Jared Ronski, principal at PayArc, discusses the customer experience around mobile apps, including the actual payments process for users.
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.
Bottom line: don't do business with people on Craigslist unless you meet them in person.
Mobile Payments Today recounts all the ways we love our favorite transaction method, flaws and all.
And would Satoshi Nakamoto ever emerge to save it?
NFC, QR codes and various in-app payment methods have helped change the way consumers pay via a smartphone.
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.
These areas present great opportunities, but also significant challenges.
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.
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.
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.
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.
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?
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.
Do consumers see the value in every self-checkout option available to them from different restaurants and retailers?
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.
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.
A Chicago neighborhood is one example of the many anomalies when it comes to the digital discussion and pushing mobile payments forward.
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.
Airline revenue and payments professionals find common agreement around revenue opportunities that arise from deploying mobile payment capabilities.
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.
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.
If you want to see the potential future of retail, visit an Amazon bookstore.
A recent field test from the Boston Fed's Payments Strategies group shows the shortcomings of today's market.
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.
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.
Venmo has staked its claim as a verb, which says something about its ubiquity. Masterpass and Zelle? Not so much.
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.
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.
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.
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?
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.
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.
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.
Their success will likely hinge on the same issues as mobile payments — consumer adoption and acceptance.
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.
Kristian Gjerding, CEO of CellPoint Mobile, examines mobile loyalty in the travel industry.
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.
André Stoorvogel, head of marketing at Rambus Bell ID, provides us with his thoughts on the industry after another Money20/20 conference.
Tim Spenny, from GfK Research, believes consumers will gravitate towards Kohl's Pay and make it a success.
Mobile Payments Today Editor Will Hernandez examines Tim Cook's recent comment about a cashless society and mobile payments.
The annual Money 20/20 conference starts Sunday, which means we're about to be hit with a lot of payments talk next week.
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.
Michelle Evans, the digital consumer manager for Euromonitor International, shares some findings from the company's latest global research.
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.
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.
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.
As consumers become more attached to their smart devices, the question becomes how do restaurants and retailers reach them there in an impactful way.
Is a loyalty program really what consumers need to use mobile payments and mobile wallets?
PayToo CEO Michel Poignant thinks the industry is approaching mobile wallets the wrong way.
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.
If your business is about banking for people, not "consumers," here are several excellent reasons to register immediately for this September summit in Chicago.
We'll keep talking about the problems that plague proximity mobile payments until everyone gets it right.
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.
Baron Concors, Shashank Saxena among the keynote speakers for the third annual executive event.
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.
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.
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.
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.
While Apple didn't revamp Apple Pay like some expected, it officially announced its long-rumored entry into the online checkout world.
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...
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.
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 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.
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.
Michelle Evans, digital consumer manager for Euromonitor International, examines the impact social media platforms have on commerce, specifically in the Asia-Pacific region.
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.
Providing consumers with a rewarding and successful digital experience can be tricky given integration hurdles that come into play.
Tim Spenny, from GfK Research, wrote about how the security of mobile phones is relevant to the mobile payments industry.
Thomas Yohannan gives his thoughts on the company as it prepares to release its first earnings report as a public company next week.
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.
Can airlines and global businesses position themselves to potentially gain hundreds of millions in additional revenue by adopting a "mobile-first" payments strategy?
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.
Will Hernandez, editor of Mobile Payments Today, had one thing on his mind after he watched PayPal's Super Bowl 50 commercial: hipsters.
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.
Mobile Payments Today Editor Will Hernandez discusses the rapidly changing mobile payments market in a blog post.
Ed Busby, a former Softcard executive, wrote a blog post on what banks can do to compete with third-party providers.
A blog post by Mobile Payments Today Editor Will Hernandez argues that the customer buying experience is going backwards with chip cards.
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.
EMV and bank innovation also should be hot topics next week in Las Vegas, writes Mobile Payments Today Editor Will Hernandez.
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 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.
There is pressure on legacy bank payments systems and how they must be reimagined for their successful transformation as the industry moves forward.
Ed Busby, a former Softcard executive, discusses an overlooked aspect of today's mobile wallet game.
Millennials will only keep 20 apps on a phone so the challenge is creating one that makes the cut.
Mobile Payments Today Editor Will Hernandez discusses some of the key points from this year's CONNECT Mobile Innovation Summit.
Apple Pay leads the pack in media hype, but it's been difficult to gauge its success, along with other schemes.
Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about what changes financial institutions need to make to reach younger consumers.
The now-defunct mobile wallet's marketing machine was plagued by problems from the start.
Noah Glass, the founder and CEO of Olo, discusses why mobile is the key to digital ordering success.
Just 13 percent of more than 17,000 consumers surveyed have a digital wallet on their smartphone.
Michelle Evans, senior consumer finance analyst at Euromonitor International, shares some insights from her company's recent Hyperconnectivity Survey.
Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about his recent attendance at the MoneyConf in Belfast.
Rich McIver examines the different players in this unique market.
Dan Glessner, the chief marketing officer at Quisk, wrote a blog post about what the industry can do to help strengthen this sector.
The payments industry doesn't know much about Microsoft's plan for mobile payments, but Thomas Yohannan gives his take on the situation.
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.
Mobile devices are becoming ATM-access tools, able to offer many of the display and keyboard functions currently available on the self-service device.
Alex Hum wrote his latest blog post about the power social media could have in regards to the retail digital transformation.
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.
Excerpted from the author's opening remarks at the Virtual Currency Today Summit last week in Boston.
Executives from across the bitcoin ecosystem gathered in Boston last week for the first Virtual Currency Today Summit.
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 Payments Today Editor Will Hernandez shares his thoughts on the current market.
Alex Hum takes a deeper dive into some of the new aspects of the latest P2P offering.
Dan Glessner, the chief marketing officer at Quisk, examines how some countries are marching towards a world where cash is obsolete.
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.
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.
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.
Dan Glessner, the chief marketing officer at Quisk, examines how new technology will accelerate the evolution of the payments landscape.
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.
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.
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.
Fırat İşbecer, Monitise SVP of sales and operations, examines some ways banks can build a successful omnichannel strategy and how mobile can influence it.
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.
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.
Rick Oglesby, a senior research analyst for Double Diamond Payments Research, explains how Apple Pay changed the outlook for mobile payments.
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.
Dan Kramer, the senior vice president of marketing and merchant services for SHAZAM, wrote about how new entrants in the marketplace can be successful.
Tiago Soromenho, founder of Mozido's StickyStreet mobile loyalty solution, gives his view on why this is still a longstanding issue.
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.
An array of virtual currencies are making their presence known.
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.
John Hibel, director of marketing at Contact Solutions Inc., lays out the issues merchants face as consumers shop more on their smart devices.
Mehul Nayak, from Softweb Solutions, writes about what the future may hold for the Apple Watch, Google Glass and similar devices.
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.
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.
Dan Glessner, the chief marketing officer at Quisk, examines why this payment type can be useful to consumers.
Thomas Yohannan examines a possible future link between bitcoin and proximity payments involving mobile devices.
Ed Busby, founder of Hudson Mobile Advisory, examines how recent data breaches have an affect on how consumers view mobile payments.
Mark Ranta from ACI Worldwide believes bitcoin and its alternatives are here to stay, but how can they be regulated?
Ed Busby, the former chief commerce office at Isis (now Softcard), believes both emerging mobile wallets need to work together to ensure success.
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.
Michelle Evans, senior consumer finance analyst at Euromonitor International, examines the key areas in the market as the year enters the final quarter.
Consumer behavior and the Android users will affect how mobile payments will shake out going forward.
Marcelo Delima from Sequent discusses how HCE is available on more Android-supported smartphones.
Lasse Andresen, CTO for multinational identity and access management software corporation ForgeRock, discusses how businesses can reach consumers across different channels.
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.
A closer look at why virtual currencies can be beneficial to the financial system.
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.
Mobile Payments Today Editor Will Hernandez examines some challenges potentially facing the mobile wallet on Apple's new iPhone 6.
ACI Worldwide's Mark Ranta discusses the problem of keeping your mobile apps in order on a smartphone.
Mobile Payments Today Editor Will Hernandez reviews what has been an exciting week for the future of mobile payments.
Greg Tennant from Cybera talks about what the industry is facing today in regards to mobile payments and security.
Ed Busby, founder of Hudson Mobile Advisory, lays out a plan for merchants to accept mobile payments.
Michelle Evans, senior consumer finance analyst at Euromonitor International, shares her key takeaways from last week's conference.
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?
Ed Busby, who is the former chief commerce officer at Isis, believes consumer packaged goods companies represent the best chance for mobile payments.
Marcelo De Lima, vice president of marketing for Sequent Software, believes HCE can better connect the mobile consumer and retail stores.
Michelle Evans, consumer finance senior analyst at Euromonitor International, examines in a blog post the evidence that supports how offers drive mobile wallet use.
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.
Simon Keates, principal consultant for mobile security at Thales e-Security, discusses some of the challenges involved with this technology.
Kristen Gramigna, CMO for BluePay, examines the consumer mobile wallet adoption problem.
Mobile Payments Today Editor Will Hernandez believes robust rewards could help such an initiative take off.
Ron Herman, Founder & CEO of Sionic Mobile, urges mobile-payment app providers to focus on the customer experience first.
Cherian Abraham from Experian Global Consulting examines how Apple might enable payments at the point-of-sale in the next iPhone.
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.
Mobile Payments Today Editor Will Hernandez addresses one particular marketing issue that is backfiring on mobile wallet providers.
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.
Noah Glass, Founder and CEO of Olo, believes mobile ordering will one day change this particular industry.
Tomasz Krajewski, head of commerce at eLeader, discusses the conditions needed in a country for Vodafone to find success with its mobile payment system.
ACI Worldwide's Mark Ranta thinks FIs should take it to another level.
Android might have the market share, but consumers spend more with Apple's system.
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?
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...
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.
Most Americans now own a smartphone and are using them to shop and eat out.
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...
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.
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...
Filipinos and mobile share a special relationship. With a mobile penetration of over 100 percent, almost everyone in the country has a mobile device.
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.
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.
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...
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.
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.
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.
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...
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.
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...
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.
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...
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 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 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.
Merchants should look for opportunities to leverage technology that helps them deliver better experiences for customers without negative effects on their bottom line.
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.
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.
For merchants, the convergence of payments and marketing should bring in new customers, increase sales from existing customers and provide more customer data.
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.
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.
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.
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.
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.
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...
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.
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.
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...
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 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 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.
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...
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 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...
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...
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.
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...
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.
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.
What you think you know about the credit card fees is probably wrong.
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.
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...
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 offerings need to give consumers what they really want.
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.
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.
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...
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.
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.
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...
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...
Mobile payments are growing where the need for them is greatest.
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,...
When it comes to mobile banking, financial institutions have been willfully blind.
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.
Contrary to what may be said, Isis is a big deal for mobile payments.
Canada is angling to become a world leader in mobile payments.
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.
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.
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...
Bango survey on app store payment processes takes the temperature of the global developer community.
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...
Apple could have done so much more with its newest iPhone.
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.
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.
Mobile payment technologies actually provide more safeguards than current payment methods.
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...
Is big data worth more than big fees in the evolving world of payments?
If we want mobile wallets, what do we do with our driver's licenses?
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...
Is Google Wallet making a comeback before Isis even shows up?
The partnership between Starbucks and Square won't stop NFC for mobile payments.
The Square and Starbucks deal makes NFC a lot less attractive.
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...
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.
What's next for MNOs and banks looking to offer NFC payments?
Is there a value to carriers to offer a service that cuts them out of mobile payments?
Will Apple's Passbook move mobile money out of its infancy?
If you look at some of Apple's patents over the last year, you see NFC everywhere.
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...
Are payment companies about to see themselves undermined?
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.
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...
People really think Apple is going with Bluetooth for payments?
Everyone's talking about mobile payments, but who are they talking to?
Mobile payment are smartphone solutions in a feature phone world.
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),...
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 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...
Mobile payments still has a few wrinkles that need to be ironed out.
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...
Look to Asia Pacific to see where the real action is in mobile payments.
Mobile Payments Today blogger Bruce Burke convened the "Social, Mobile, Payments" conference in Orlando, Fla. earlier this month.
Can retailers give consumers what they want in a multi-channel retail world?
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...
What does Google do with Google Wallet now?
What can Google do with Google Wallet now?
What can Google do with Google Wallet now?
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...
Will mobile payments mean no more subsidies and long-term contracts?
Many companies are going "all-in" for a share of the mobile payments jackpot.
Which digital wallet in the U.S. has the edge as NFC reaches its tipping point.
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.
Is Apple getting in the mobile payment game?
Not every use case for mobile payments is destined to be a winner.
Who is the early favorite to make a killing in mobile payments? The answer may (or may not) surprise you.
Carriers view mobile payments as a new way to stay relelvant. But will they?
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...
A carefully executed mobile strategy offers retailers the opportunity to engage with consumers at every step of their retail journeys.
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...
Exploring mobile money and cashless alternatives in Sin City.
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...
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.
Ticketing and transportation provide perfect use cases for mobile payments.
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.
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.
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.
How image capture technology may affect the development of mobile transactions.
Payforit in the UK reaches a tipping point.
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...
How does Google Wallet surmount the growing number of obstacles to adoption?
Is it too late for mobile payments via contactless SIM cards?
Despite the fanfare, the Google Wallet isn't a total success.
How will today's economic and social turmoil affect the way mobile payments are regulated?
Isis should cooperate with Google and let them do all the heavy lifting
CTIA conference highlights the future for mobile payments in a machine-to-machine world
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...
Financial institutions have big opportunities in mobile wallets, but will the wallets themselves become a commodity?
A story about one man's concern for issuers in the mobile payment future.
Even if it doesnt include NFC and mobile payments, Apples iPhone 5 may still spur mobile payment adoption.
PayPal's efforts to become a mobile payment leader amount to some savvy PR at the moment.
Basic mobile banking is table stakes for today's FIs. What's the next step for mobile banking?
As mobile and financial services converge, cooperation and collaboration are more important than ever.
Making a game out of mobile payments may be exactly what's necessary to spur adoption.
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.
Allowing consumers to put purchases on their phone bill has advantages, so how big will it get?
The evolution of mobile money isn't all about technology.
A primer on PCC and how it works to make mobile payments more reliable on a wireless network.
How eBay Changed the Perception and Evaluation of the Global Mobile Payments Industry
The fight is on between Isis and Google for mobile wallet preeminence. Or is it?
Panelists at the recent Prepaid Expo in Las Vegas provided some insights into where mobile payments is heading.
Despite long odds, Isis still has some cards to play.
What am I doing personally to move mobile money ahead?
Nordstrom's new tablet makes checking out a part of the "story" of shopping.
Mobile banking is on the rise for more reasons than convenience. In truth, it’s more secure than traditional online baking.
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.
Organizations worldwide are looking to create a mobile money ecosystem to increase financial inclusion
Tescos virtual supermarket is a wonderful blend of retail and technology which opens a new realm for marketing.
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.
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.
As social, mobile and payments combine, the possibilities for commerce seem limitless.
As competition heats up for mobile payment market share, the market for mobile payment IP may be heating up too.
Alternative mobile payment technologies? There's only one, no alternatives.
Mobile payments represent a more convenient, and more secure, payment method.
Do you want to be ahead of the curve? Don't think mobile; think tablets.
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.
While China and India may seem like good markets for mobile payments, the real opportunity may be in Latin America.
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...
The combination of security features in Google's mobile payment product is stronger than plastic cards alone.
There are a lot of people who deserve credit for the Google Wallet announcement.
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...
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.
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...
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 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...
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.
I have been writing about why I believe mobile payments will eclipse the card-based payment system that dominates the U.S. today.
Maybe we shouldn't be asking "Who will regulate mobile payments?" but "Who won't?"
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.
Should you trust unnamed sources on mobile payments? Probably.
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...
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...
Today we heard that Sprint Nextel Corp. will be launching NFC based payments this year – not next year, but this year.
Are NFC payments a foregone conclusion or overhyped fad?
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.
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.
Some big takeaways for mobile payments from this year's CTIA Conference in Orlando
Are credit card terminals headed for history's dustbin?
How loyalty and convenience will foster mobile payment adoption.
What new rumors about Apple's NFC plans may mean
After reaching a minor milestone, is Square on its way towards meeting expectations?
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.
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...
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.