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Twitter was born as a text messaging service; tweets are 140 characters because that is the length of a text message, minus a few characters for the author’s name.Today, though, most people in the United States think about Twitter as a Web tool, and they use it either online or via smartphone apps.But Twitter has not forgotten about all the people in the world who do not have fancy phones. On Friday, the company announced that it had acquired Cloudhopper, a Seattle text-messaging start-up.There is “untapped potential” with Twitter text-message use “Mobile is clearly where the majority of usage will happen,” Evan Williams, Cloudhopper has already been working with Twitter to connect its service directly with mobile carriers around the world, in part so that users do not have to pay extra to send or receive text message tweets. Twitter has long had problems with this, and in the past has had to disable text messaging in certain countries because of high fees.Read more at bits.blogs.nytimes.com

With 2012 fast approaching along with it comes new mobile marketing opportunities that your business should follow as you consider efforts to spread the word about your brand and products and services through mobile. 

Mobile Visitation Grew 200% 

2011 has been a breakout year for growth in mobile visitation.  It featured a steep rise in text messaging, smartphone purchases and mobile advertising. Corporate use of mobile websites grew 210 percent in the last 12 months!

The space for mobile payments has heated up really fast over the past couple of years. One thing that we’ve started to see more of lately are applications that focus more on peer-to-peer payments versus something that you’d use to see a business. With PayPal implementing NFC, Dwolla providing software solutions to hardware problems and Venmo firmly in between all of it, the space is getting crowded quite fast.

Funds can be added to Clover via any credit card, but not directly from your bank or PayPal.

If you want to Pay, there are 2 ways to go about it. You can either pay a contact directly, or you can create a QR code that is then scanned by another Clover user to accept funds from you. This makes it easy to split a bill at a restaurant, for instance, but it also leaves the door open to long-distance transactions. In time, according to some grayed-out options in the UI, you’ll also be able to pay via SMS or email.

The race right now is primarily between three parties – PayPal, Dwolla, Square and newcomer Clover Pay. Each of these services have its ups and downs, but it’s worth noting that they can all be used for peer-to-peer payments and that’s how we’ll be reviewing them.

PayPal Setup: Nearly instant. You can sign up for a PayPal account in just a couple of minutes, then have it funded from a credit card almost immediately after. Pros: Widely accepted payment form, in use by millions. Full-featured mobile app on iOS and Android, including the ability to scan checks for deposit. Tight integration with the USPS and eBay makes for easy collection and shipping. Cons: Often criticized for high fees. PayPal tends to lock down accounts for investigations with a guilty-until-proven-innocent approach. Terms of service disallow many actions, and are quite obtuse in important sections.

Dwolla Setup: Signing up for and using Dwolla is quick, but you’ll need to tie it to your bank account to fully leverage its abilities. This can take 3 to 5 business days, depending upon your bank. But, if your bank supports instant transactions, you won’t have the typical transfer lag. Pros: Dwolla charges only $0.25 per transaction, no matter how much money is being transferred. A highly-secure mobile app is available for Android and iOS. Instant transfers to and from your bank account, if your bank is part of the participating network. Dwolla is integrating with merchants, allowing you to pay directly from your account. Instant feature will “loan” you up to $500, charging a $5 fee only if you don’t pay it back before your statement is over. Cons: This could be a pro, depending on how you see it. Dwolla has no debit card function. It’s intended to be used as an extension of your existing bank account. Smaller base of users means that you’re not as likely to find a Dwolla customer for exchanging funds.

It’s no secret that credit card companies are shelling out big bucks and aggressively forming partnerships and deals to start cashing in on the mobile and digital payments innovations currently taking place. American Express, which recently debuted its own digital payments product Serve, has been particularly aggressive on the partnerships front, striking recent deals with both Foursquare and Facebook. Mastercard has bet on NFC with a partnership with Google for Google Wallet and bought online payments gateway DataCash for $520 million last fall. And Visa has made a number of major moves in the mobile and digital payments space of late; including making an investment (and taking on an advisory role) in disruptive startup Square, buying virtual goods payments platform PlaySpan for $190 million, and acquiring mobile payments company Fundamo for $110 million. We sat down with Visa’s Global Head of Mobile Product Bill Gajda and the company’s Head of Global Product Strategy, Innovation and eCommerce Jennifer Schulz to discuss how the financial company is planning to compete in both mobile and digital payments.

In May, Visa announced its plans for the digital wallet. We’ll explain this initiative later in the post, but part of this platform would allow you to access your loyalty points, credit cards and more from your mobile phone at the point of sale. And the third pillar of Visa’s mobile strategy is incorporating value-added services like real-time alerts, contextual services, and offers at point of shopping based on where you are.

Gajda explains that Visa is licensing mobile payments applications PayWave for integration with the ISIS wallet and the company is actively looking for other ways to integrate with NFC into the company’s mobile payments structure.

For as long as Facebook has been running its Facebook Credits program—the virtual currency that users can redeem on games and other content peddled through Facebook’s network—it has been letting users top up those Credits using their mobile phones. It does this in partnership with companies like (reportedly) Boku and (definitely) Zong, the payments company bought by eBay’s PayPal last year. Users can also top up their Credits via PayPal and credit cards.

It’s not known how much, exactly, is purchased via the mobile channel today, but it is an example of how mobile is actually already driving significant revenue for Facebook. “Facebook Credits make a lot of money through mobile phones,” enough that Zong was “growing very fast last year” because of Facebook purchases, according to Frederic Court, a partner with Advent Venture Parnters, one of the VCs that backed Zong before the eBay (NSDQ: EBAY) buy.

This is because while sometimes the mobile payments were actually more expensive than a PayPal or credit card transaction, they are often a lot quicker to do, especially if you are in the middle of a game. And, as with other mobile-based payment options, they appeal to those who don’t have or want to enter card details.

Jack Dorsey’s Square was unveiled last December as an innovative way to let people quickly and easily accept physical credit card payments from their mobile phone.

Square is ideal for taking money at political fundraisers for several reasons.

A local flower cart in San Francisco is using Square to take payments from customers. Denim, a jeans store in New York is using Square to take payments from shoppers. We even used Square at this year’s Crunchies to raise money for the UCSF Foundation.

New technologies, apps and add-ons let smartphones both receive and make payments, and the next generation of phones in the coming years will go further than ever to letting your mobile replace your wallet.

Cash transactions are getting rarer with debit and credit cards being accepted nearly anywhere, but you still run into places that stubbornly remain cash-only, whether it's a lunch wagon, a little independent café, or even an artist selling paintings at a market.

Lately, several solutions have popped up for small businesses - or anyone, really - to accept card payments by attaching a card reader to their iPhone, iPod touch or iPad, or other smartphone.

The first GSMA Mobile Observatory report to focus on Africa has come back with some fascinating conclusions. First among them, Africa has passed Latin America to become the world's second largest mobile market. The global mobile association examined the 25 African countries that account for 91% of mobile use (calling them the "A25"). Here are some of the most interesting of the report's conclusions.

The report "integrates data from a wide range of existing sources to provide a comprehensive picture of the African mobile industry. These include public sources such as the ITU, World Bank and research by National Regulatory Authorities as well as commercial providers such as Wireless Intelligence, Informa, Gartner, Buddecomm and ID." Africa now has 620 million mobile connections, passing Latin America Regional penetration has risen from 2% in 2000, to 57% this year Over the last decade, the number of mobile connections has grown an average of 30% per year, forecast to reach 735 million by the end of next year Mobile provides 3.5% of African GDP Highly competetive sector has resulted in price decreases of up to 60% in some areas, with an overall average of 18% decrease in the last year 96% of is pre-paid with voice services currently dominating, however data is increasing rapidly - Kenya data revenues, for instance, including SMS, have increased at a 67% annual growth over the last 4 years, representing 26% of total revenues in that country

Starting today, on the retail shopping holiday known as Black Friday here in the U.S., Walgreens will begin rolling out its new scannable mobile coupons which work at its over 7,700 stores nationwide. The coupons are being made available in the Walgreens mobile applications and to use them, you simply show your phone at checkout where it will be scanned by the cashier.

You’ll find the coupons in a special section within the mobile application where you’re also able to sign up for SMS-based alerts.

Coupons will only be offered one at a time every two to three days, and will range in value from $0.50 to $5.00. The discounts will be targeted towards a wide variety of products, including beauty items, gifts, consumables and everyday essentials, like diapers.

A deep integration of Twitter and iOS 5 was among the many things announced by Apple today but it's not just that you'll be able to post to Twitter from inside official Apple apps like photos and maps. Any 3rd party iOS developer will be able to leverage a number of Twitter Application Programming Interfaces (APIs) to make their apps better and more social. After email, SMS and iOS messaging, Twitter will now become a key social layer over the top of many of the apps on iOS devices.

"There is single sign-on, which allows you to retrieve a user's identity, avatar, and other profile data." That sounds like Facebook Connect, but I'm going to guess that Twitter will not prohibit developers from caching that data for time-shifted, aggregate, offline or other interesting types of analysis. Letting users skip having to create an account with every new app they download and instead click to log-in with their Twitter accounts is going to make many users very happy and encourage every iOS owner to get a Twitter account if they don't have one already. App developers will get more and better populated user accounts, faster.

"There's also a frictionless core signing service, allowing you to make and sign any call to the Twitter API." To be honest, I'm not really sure what this means. Perhaps it means that parts of the Twitter API that require user authentication will be accessible via the same single sign-on feature discussed above.

Austrain mobile payment transaction company Dimoco has rolled out a new mobile carrier billing service in the Czech Republic.

Dimoco has thus started offering gateway billing via the billing gateways of three Czech MNOs, namely T-Mobile, Telefonica O2 and Vodafone.

Dimoco develops, operates and markets a mobile messaging and payment transaction hub.

In South Africa, the continent’s strongest economy, mobile phone use has gone from 17 percent of adults in 2000 to 76 percent in 2010. Today, more South Africans – 29 million – use mobile phones than radio (28 million), TV (27 million) or personal computers (6 million). Only 5 million South Africans use landline phones. Nielsen’s recently released Mobile Insights study in South Africa, which examined consumers’ usage of and attitudes toward mobile phones, networks and services, reveals a number of interesting insights such as: -- Nokia rules: More than half (52%) own that company’s handsets, followed by Samsung and BlackBerry, and 56 percent of those currently using other brands indicated their next handset would likely be a Nokia. -- SMS text messaging is practically ubiquitous among South African mobile customers, and is used by almost 4.2 times more people than e-mail. More than two-thirds (69%) of consumers prefer sending texts to calling, in large part because it is less expensive, and 10 percent believe texting to be a faster way of communicating.

Alcatel-Lucent Geo-Location Mobile Game "Acquisition" On top of our platform and supported by our community members, Alcatel-Lucent ran an innovation & development challenge to bring new mobile applications and games to life. A TopCoder member came up with the idea for Acquisition, which leverages network-based API's for automated geo-checkin, SMS, subscriber identity, call control and player presence. It pairs it with game mechanics similar to a traditional game of Monopoly. In a game of Acquisition you are competing against a set of friends to amass the most wealth and you do so by physically checking into a variety of localities, trading properties, developing on top of owned properties, earning dividends and expanding your empire.

With the excitement surrounding the arrival of undersea cables in Sub-Saharan Africa and the prospects of the smartphone revolution in bringing mobile connectivity to most parts of the continent, it is easy to forget for instance that the continent still has 1 domain per 10,000 users.

In education, there are the vast prospects that e-learning provides for students, but doing this in a way that scales is difficult in Africa’s low bandwidth environment. There are also prospects in various sectors ranging from agriculture to finance each with its own unique set of challenges.

Amidst this backdrop, the obvious respite for bridging the access gap appears to be through smart phones. However, majority of Africans can only afford the cheapest of phones which are typically low end phones. To truly expand access, smart phone prices will need to crash drastically and rural connectivity would need to expand dramatically. Save for these two actions, revolutionizing the continent via the Internet will continue to remain a pipe dream.

Mobile payments company Fortumo (which we’ve already covered in the past) unveiled cross-platform, HTML5-supported mobile payments, allowing developers to monetize users of mobile web apps in 60 countries, on any mobile device, with single integration.

The solution is praised to require “less clicks” relying on the data already stored on a device, ensuring for both better user experience and, well, more money for developers.

What’s more, thanks to operator billing capabilities it [solution] offers “strong alternative to credit cards,” especially in emerging markets.