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For disruptive mobile payments startup Square, 2011 was a year of massive growth on many levels. The startup ended the year with over 1 million merchants using the mobile payments platform to accept credit cards (there are only 8 million merchants who accept credit cards in the US). In November, Square announced it was processing $11 million in payments per day (up from $4 million a day in July). Sir Richard Branson, Kleiner Perkins, Visa, and other investors poured over $100 million over the course of the year into Square, with the company’s latest valuation pegged at $1 billion. And Square announced a number of new product innovations, including Card Case, a new iPad app and more. Not to mention the unveiling of  retail deals with Apple, Wal-mart, Best Buy, Radio Shack, and Target. It’s hard to imagine how Square could top such an eventful year. But according to COO Keith Rabois, 2012 will prove to be even more monumental for the mobile payments company.

Square is kicking of 2012 with two new retail deals, OfficeMax and select UPS Store locations. With these new retailer partnerships, Square is now being sold at 10,000 retail locations, up from 9,000 at the end of last year. Square’s credit card readers sell for $9.99 in stores but each purchaser can redeem a $10 credit to their bank account. According to Rabois, retail sales of Square has been a large driver of adoption. In fact, currently 80 percent of U.S. population is within 15 minutes of a Square device sold at a retail location.

Beyond expanding retail deals (there are more to come, he says); Square will also be looking to upgrade the experience of running a business, end-to-end, on the iPad. Last May, the company debuted new iPad app Square Register, a high-powered point of sale replacement for cash registers and point of sale terminals. This year, the startup will add to the capabilities of this software, enabling small businesses to grow and manage their operations off of the device.

Isis, the near field communication mobile wallet venture from Verizon, AT&T and T-Mobile, took another step forward with the announcement that it has selected SIM card maker and digital security specialist Gemalto as its trusted service manager (TSM) for the wallet. The deal means Gemalto will manage the secure element on Isis phones, overseeing the transfer of payment credentials from banks and payment services to the Isis wallet application on phones.

Gemalto will essentially hold the payment keys for Isis, controlling which service providers are able to tap Isis for contactless payments. It won’t participate in the actual transactions but will enable a host of applications, from payments to coupons and loyalty cards.

The deal is an important step for Isis, which is moving ahead toward a launch in the first half of 2012 in Salt Lake City and Austin before a larger nationwide roll out. The joint venture will compete with Google Wallet, which launched in September with partners Sprint, MasterCard and Citibank and First Data as its trusted service manager.

PayPal has been a powerhouse in online payments but it hasn’t really cracked the much bigger market for payments for goods in the real world. Now, the company is starting to show off how it can put all of its components and recent acquisitions together to form a broad tool for mobile payments.

PayPal hosted a partner event for retailers yesterday and began explaining how they’ll be able to implement its tools for in-store payments. The big reveal will happen next month at PayPal’s developer conference in San Francisco, but the company showed a glimpse of how it’s marshaling its resources. It’s important for PayPal to step up with a compelling offering because the mobile payments market is getting crowded with options like Square, Google Wallet and upcoming services like Isis from the cellular carriers and digital wallets from credit card companies.

Scott Thompson, president of PayPal, said in a blog post the company is looking to be a one-stop shop for merchants to help them address every part of the shopping lifecycle. OK, that’s a bit of jargon, but it means PayPal is going to help push out targeted advertising, help with in-store discovery and improve transactions with a handful of options.

For those of us who have grown accustomed to purchasing things from our laptops, tablets and smartphones, the experience of walking into a physical store and standing in line can get tiresome. It's hard to top the immediacy and convenience of online and mobile shopping. Yet, there are still plenty of items that are best purchased in person.

Apple hopes to bridge the gap between these digital and physical worlds. The company just released an update to its Apple Store app for iOS. Using the application, customers can not only purchase Apple products like they can on the Apple website, but they can now opt to pick them up in person at one of the company's many retail locations.

The app can also be used as a sort of self check-out scanner for certain accessories in Apple stores. Need a new case for your iPhone or a power adaptor for your MacBook? Now you can scan the item with your phone's camera, pay for it in the app and be on your way.

Clipboard aims to become the go-to service for saving and sharing the relevant parts of any page or service available on the Web, including much of its core functionality, or put differently taking care of everything in between simply bookmarking a URL and having to save an entire Web page.

Using a bookmarklet, Clipboard users can ‘clip’ things like search query results, stock quotes, tweets or Facebook status updates, video clips, images with captions, a Google Maps map, a forum answer, an Amazon book review, an eBay product summary, a digital coupon, and the likes.

Select part of a Web page or service, and use your mouse (simply by hovering over something or, preferably, by using the scroll wheel) to increase or decrease the number of ‘zones’ you would like to clip. Your selection – including links and images etc. – will be saved to your Clipboard profile instantly, and you can jump straight to it to visit your clip collection

Verizon Wireless, AT&T and T-Mobile are planning to invest more than $100 million to take on Google with Isis, the companies’ mobile payment project, according to a report.

Isis, which the three carriers announced last November, is a mobile payment system that uses near-field communication. The three companies hope that it will be a viable competitor to Google Wallet, a NFC solution from the search engine giant that is rolling out in the market this year.

According to Bloomberg, the three carriers have earmarked $100 million for the venture. Previously, no funding had been announced.

Tapit is a new mobile advertising startup, founded in March 2011, that enables content sharing and offer delivery simply by tapping an NFC-enabled phone anywhere the Tapit logo can be found.

The company has now raised a seed funding round from Sydney Angels in record time – just 22 days from the pitch until the round was subscribed for. This is the fastest investment to date for Sydney Angels, the not-for-profit membership organization for angels which typically invests in Sydney-based startups.

NFC (near field communication), a short-range wireless technology, is often associated with mobile payments and mobile wallets these days, as a new way to enable purchases at point-of-sale. But that’s only one of the many possible use cases for the technology, which can also support things like sharing files and media between devices, advertising, ticketless transactions and more. It can even be used to perform actions like those found in NTT DOCOMO’s nifty “tap to follow” offering that lets two Twitter users follow each other simply by tapping phones.

Starbucks customers in the UK will be soon be able to walk into their local store, fire up their iPhone and pay for their orders via their Starbucks card, the company has announced.

The one-touch app, which has been available in the US since the beginning of the year, is set to launch on January 5th, allowing Starbucks card owners to link their accounts to the iPhone application and pay using the on-screen barcode in any of the 700 Starbucks locations in the UK.

It’s perfect for people that regularly travel without cash and regularly utilise their Starbucks card in order to pay for their coffee on the commute to work or when out shopping. With one in five customers already using their cards to pay for their cup of Joe, Starbucks is likely to see a rapid uptake in application usage.

In the fast-moving world of Internet innovation, the search for the winning combination of strategies often means companies are continually rolling out features to match their competitors.Take local deals, territory that Chicago-based Groupon claimed with its launch more than two years ago. Google, Facebook, Yelp, OpenTable and a host of other Web-based companies have introduced their versions of discount offers since then. And many of these players have started allowing users to "check in" to local businesses on their mobile phones, a concept popularized by Foursquare and other location-based services.This ongoing flurry of activity is underpinned by a common desire to conquer three important categories of growth for consumer-oriented Internet companies: mobile, social and local commerce. The race to find the right mix is crucial for capturing revenues and the loyalty of consumers whose sources for information and entertainment are becoming increasingly fragmented.

"A mobile and social Web, both on the advertising side and e-commerce side, is going to be more highly monetizable," said Mendez, whose private-equity firm focuses on privately held companies such as Facebook. "It's more likely to turn eyeballs and visitors into transactions and dollars spent."Companies are building on the three pillars of mobile, social and local commerce in different ways, focusing on core strengths before adding other capabilities.

Groupon, for example, built its business model on the idea of social plus local commerce, creating a group-buying platform as a new form of local online advertising. Last week, it launched a mobile application called Groupon Now that delivers deals to consumers based on their location.

Apple has informed iPhone/iPod Touch application developers that they can't include location-based advertising within their apps. The move has intensified rumors that Apple is planning to launch its own mobile advertising network. Google clearly seems to be the target here. Google recently acquired AdMob, one of the most popular mobile ad networks. Will Google "retaliate" by closing down options for Android developers? It doesn't seem like that type of policy would match their m.o. What's more, by owning AdMob, it's difficult to see why they would feel threatened by other competitors. Apple's move seems to be a step in the wrong direction. Developers who put out free apps generally try to get revenue from in-app advertising. Location-based advertising, while still in its infancy, is truly the key to mobile ads. If a company can know that you're in the vicinity, they could send you a coupon incentivizing you to visit their store and make a purchase. Of course, location-based advertising should always include an opt-in or opt-out policy, but privacy doesn't appear to be Apple's main concern here. Apple did acquire mobile ad network Quattro Wireless recently.

Since location-based check-in app Foursquare was launched at South by Southwest in 2009, the app has seen exponential growth, reaching over 7.5 million users this year.

Apart from gamification through leaderboards and badges (or stickers, or pins), the motivation for users to participate in location-based networks is severely lacking.

1)make it easy and 2) create value. Users want to put in less effort and receive more value.

Summary: Mobile payments are expected to pick up rapidly in the next year, but don’t expect NFC technology to be at the forefront just yet.

Mobile payments is a hot topic at the moment, but there’s actually quite little going on in comparison when it comes to actual activity. There are hardly any smartphones enabled with NFC technology, nor are most of the digital wallet programs set up and running extensively yet.

this field is expected to rapidly change within in the next year, according to a group of panelists assembled at GigaOM’s Mobilize 2011 conference in San Francisco on Monday afternoon. The mobile payments spectrum could (and should) look vastly different at this time in 2012.

New technical standards and consumers’ extensive use of mobile media put us on the cusp of an explosion in mobile payments.

Long rumored and heavily used in Asia, mobile phones have the ability to be used as payment devices similar to credit cards.

Now, the growing penetration of smartphones, the widespread use of phones to comparison shop, share price or product features or accept discount and coupon offers makes mobile payments the next high demand phone function.

While growth in usage of social media by the public continues to grow unabated, new research shows that social media usage among large companies is leveling off. The research from the University of Massachusetts at Dartmouth shows that corporate use of networks like Facebook and Twitter plateaued in 2011. The study looked at outward facing social media usage by Fortune 500 companies, and found that adoption of blogs, Twitter and Facebook did not rise from 2010 to 2011. Just under 1/4 of the Fortune 500 have a public facing blog. While this is an increase from the 16% measured in 2008, it has not increased at all since last year. Likewise, Twitter usage has only increased by 2% in the last year, from 60% last year to 62% this year. Only 58% of large companies have a Facebook page; however, another 2% rise from last years figure. Astonishingly, 31% have no presence on either Facebook or Twitter at all. This follows research last week revealing that 1 in 5 small business owners hate social media.  Bete noir of the industry was Groupon, with a whopping 70% of SMEs reporting their dislike of the coupon website.