Group items tagged

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.

Because NFC tags are more expensive than barcodes or RFID tags (just under $1 in volume) they will make their way into high-end retail products first: Cars, electronics, consumer appliances.  As more products start to include NFC tags, this will drive the price down even further.  As the price goes down, NFC tags will make their way into products $20 and above (clothing, wine, shoes, Costco-sized purchases). And then there are the phones. With almost 100 million NFC-equipped phones estimated to be shipped just over the next year and more than 1 billion predicted for the next four years, shopping, comparing, and purchasing via NFC-equipped smartphones will become commonplace.

Turning to the crowd has proven pretty popular with security types. In-Q-Tel, the CIA’s venture capital arm, recently began work on a prediction market aimed at forecasting computer security events. Darpa, the nerd cousin of Iarpa over at the Defense Department, tucked away some cash in its budget last year to farm intelligence, surveillance and reconnaissance data out to the crowd in search of better analysis. The Navy has even turned to crowdsourcing via online multiplayer games in order to hunt for better ideas against piracy.

That viral growth is deserved, too. Turntable.fm is arguably the most interesting social startup to emerge in a long time. Inventing a new subgenre, ‘social listening’, the site revels in something humans have enjoyed for millennia: shared experiences around music. If you haven’t tried it yet, here’s how it works: You can only sign up if a friend of yours on Facebook is already signed up. Once you’re in, the site lets you DJ, playing songs in an on-screen ‘nightclub’. Others come to listen to you in your ‘room’ and can join you on the decks if they choose. Multiple DJs (up to five) play a song each in turn and everyone else in the room gets to vote on the current DJ’s choice. If your choice gets voted up, you get a point. If it gets voted down by too many people it’s ditched for the next DJ’s choice.

when DJs demonstrate that they’re listening to each other by playing off each others’ track selections, there’s a commonality that transcends… individual achievements. Social games that offer the promise of individual success may be missing out on the uniqueness of shared experiences capable of creating shared surprise and pleasure. As when tracks flow well, as when it’s clear that DJs are not just picking their own favorites but show that they’re paying attention to each other, as when a “good” stretch of DJing attracts newcomers to the room, and so on.

A new way for media companies to interact with their audiences: Earlier this week, we experimented with setting up our own The Next Web room (you can often find TNW staff spinning tunes in there). One tweet brought in a crowded room and it was fun for us to be able to play music with our readers. Music is a brilliant bonding tool and being able to have direct group chat with readers can help media companies get to know their audience better, and vice versa. I even got teased with knowledge of a stealth startup over the chat function yesterday – so maybe we’ll get a few news tips this way too!

Forget consoles and PCs -- mobile gaming is prepped to be the number one gaming platform for the next decade, according to Glitch developer Tiny Speck. Vice President of Product and Operations Kakul Srivastava says we're already seeing it everywhere: "It is what is happening right now. I think the killer console is going to be your mobile device. That is absolutely where people will play more rich and involving, and even graphically intensive games."

With the newest editions of smartphones outpacing their predecessors and coming out much faster than the next console generation, Srivastava thinks it's not surprising that mobile gaming has momentum in the industry. "That pace of change is why mobile devices are going to be the console of the future. The way player interaction and player needs are changing, it's much faster than the five to seven years [of console development] that we're talking about," she said.

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.

Just under half of the UK population now owns a smartphone, and Google's mobile operating system Android is powering half of those those being sold – followed by RIM's BlackBerry models with 22.5% and Apple's iPhone at 18.5%.

The pace of smartphone sales is accelerating rapidly, too. In the 12 weeks to 2 October, they comprised just under 70% of mobile phones, according to new research from Kantar Worldpanel ComTech.

Dominic Sunnebo, Kantar's global consumer insight director, warned that the next year could see a lot of jockeying for customers.""Over the next six to 12 months, the current group of Android owners will be coming to the end of their contracts and looking for an upgrade," he said."Our data shows that when these consumers upgrade they tend to remain fairly loyal to Android itself – 62% buy another Android mobile – but considerably less so to the handset manufacturer."

The state of Ceará, in Northeast Brazil, contributes only to 2% of the Brazilian GDP. Yet, it will soon host the Brazil’s largest public broadband Internet network. The Cinturão Digital do Ceará (CDC), which translates as Ceará’s Digital Big Belt, will be inaugurated this Thursday by the governor Cid Gomes and the Science and Technology Minister Aloizio Mercadante. So why did the local authorities decide to invest around R$50m (US$28.6m) into this initiative?

Many people couldn’t afford faster speeds anyway – in Fortaleza, one third of the population lives in favelas (slums) filled with migrants who have left rural areas.

This situation led the state to develop its own public network, the CDC. It is a highly ambitious project; according to the government, it consists of a whopping 2,600 kilometers of optic fiber.

As with all things Internet, the future of mobile payments is going to be fragmented, making the promise of a digital wallet on your phone a lot less exciting. Having a phone act as a credit card makes things faster, more convenient and might even lead to more bargains. But the way things are panning out, only people who meet very specific cell phone, bank, and credit card company criteria can join in on the fun. Just today, Verizon blocked Google Wallet from its phones, reports The Wall Street Journal's Amir Efrati and Anton Troianovski. So for those with multiple credit cards, or without a Citi Master Card, Google Wallet can't replace a wallet, giving it a major utility handicap.

As of right now, Google's mobile payment tech only works on Sprint phones with Citi Bank Master Cards. That applies to a very specific set of people. Of course, Google doesn't have the only digital wallet replacement out there. For everyone else, there's Verizon, who has teamed up with T-Mobile and  At&T to work on its version, Isis, which will begin trials next year, note Efrati and Troianovski. And Visa too is apparently in the works for its own mobile payments system, they add. We also can't forget third party apps like Square, Venmo and ZipPay, which allow users to pay others who have the app using stored credit card information. This almost works as a replacement for the wallet, and would theoretically work better than Google Wallet, if only every single place everywhere accepted Square payments -- but they don't. 

So we have two types of fragmentation happening in the mobile payments world. With these "wallet" payment systems, like Google Wallet and Visa's mystery service, the service is only as useful as having that single credit card. And then the system is fracturing on a retailer level. Even with Google Wallet, only stores with the compatible card reader accept it; same with the Square-like services. While the number of retailers accepting Square has grown, as this chart posted by The Atlantic's Alexis Madrigal shows, it can't become a wallet replacement unless every single retailer has it. The same applies to Google Wallet: Not every retailer has the capabilities. Like we've seen with Netflix and streaming movies, the services are nice supplements to cable. But not yet a replacement because they all have somethings but no one has all things. The same can be applied to mobile payments. They all can be used with some credit cards and at some retailers, but we won't leave our wallets at home until we get a cord-cutting equivalent. For now, users either have to load a smorgasbord of mobile payment apps, or settle for the current half-hearted solutions. 

Dickson Chu, the high profile and often outspoken head of digital and mobile networks at Citi, has quit the bank to join daily deals outfit LivingSocial.

Chu joined Citi from PayPal less than two years ago with a brief to kickstart the bank's mobile payments programme. Unusually for the conservative banking industry, Chu was prepared to speak his mind and was an unashamed advocate of the Google Wallet venture.

Citi is currently the sole banking partner for the search giant's mobile payments operation, which is straining to make a mark on the high street ahead of the forthcoming launch of a rival programme by the Isis carrier consortium.

The arrival of NFC in handsets has been talked about since the world was young, but big steps are finally being taken towards making its availability more widespread. Samsung’s new Galaxy Nexus device supports NFC through Google Wallet; RIM and Telefónica recently announced a new trial of the technology in Europe next year; and America’s big three networks have formed the ISIS alliance to enable a common architecture for NFC mobile payments.

When Nokia launched its new Lumia 710 and 800 handsets in October, it was widely expected that these devices would be the first Windows Phones to support NFC. Nokia had all but confirmed this itself when, last year, it stated that all of its 2011 smartphones would include NFC support.

In an interview on Windows Phone with TechRadar, Will Coleman, product manager at Microsoft UK, said that “NFC is supported by it, but needs to be enabled by the OEM. So if any [manufacturer] wants to enable it, that can be done by all means.”

To enable NFC-powered check-ins, establishments need to display a sign or poster containing an NFC tag that points to their venue's Foursquare listing URL. Nokia's developer blog has some resources on getting started with NFC tags. Signs like this not only enable people to check-in with less effort, but can also provide a visual, real-world call to action. For non-power users of location services like Foursquare, it can be pretty easy to simply forget to check in to a restaurant or other local business. Having that sign hanging there can provide a mental trigger. Business owners can also use the opportunity to push promotions and deals, offering discounts or free products to the mayor or anybody else that checks in. Admittedly, the average person has no idea what NFC is right now. But it's almost universally predicted to reach mainstream adoption within a few years, quite possibly replacing our wallets and keys at some point in the future. NFC is already included on a number of Android-powered handsets and is rumored to be coming to the iPhone 5 next year.

American retail company REI ventures into augmented reality (AR) promotions by creating an AR app to give prizes to consumers and at the same time encourage traffic inside its new location in New York.

The app is named “Find Out NYC” and may be used by consumers to scan more than 400 specially-designed REI posters located around New York City, which serve as portals to six virtual scenes. Upon finding one of these posters, they can use their smartphone at the poster to scan and capture its respective headline. This will take them to an AR page that projects the virtual nature scene along with pictures of outdoor gear prizes that they can tap to win them. Apart from winning the outdoor gear prize, customers are also given the chance to win a trip for two to Costa Rica.

From REI: REI is now in New York City! We’re located in the historic Puck building near Manhattan’s SoHo district. Drop in and explore our 39,000-square-foot, three-level store. REI offers top-brand outdoor gear and clothing for camping, climbing, cycling, fitness, hiking, paddling, skiing, snowboarding and more. We’re also a complete New York City bike shop, offering professional bike shop services to help keep you biking the streets and trails year-round. Come by, meet our friendly staff of outdoor experts, and gear up for your next adventure. Find out about all of the REI events going on now in the New York area, and be sure to download our new FIND OUT NYC app! Use your phone to scan and unlock specially designed REI posters around the city which serve as portals to six virtual scenes. Use the map functionality on the app to find the posters nearest you. Get Find Out NYC app details.

Google Chairman Eric Schmidt caused some raised eyebrows last week when he claimed that by next summer “the majority of the televisions you see in stores” will come with Google TV.

Okay, he may have the timing wrong, but I think that Google will absolutely come out on top of this. It will dominate the smart TV world much in the same way it now dominates the smartphone world.

I liked some of the ideas behind the first iteration of Google TV, but like everyone else, was disappointed by the execution

That's what a Danish startup called Senseye claims to be doing; they say they've got software for Android that uses the front-facing camera to track a user's eye movement and then uses that to control what happens on the phone's screen. They're not alone in working on doing that kind of work, either. Eye tracking could be a big new way that users interact with their devices.

If the company can really pull this off, Senseye could join the ranks of Microsoft's Kinect, Surface and the touchscreen mobile devices in what people are calling the Natural User Interface (NUI). A Swedish company called Tobii announced in-car eye tracking technology this week as well and these aren't isolated innovations.

Consumers will be able to pay for everything on the high street with their mobile phones in five years time, a new survey says.

Research by Forrester, commissioned by PayPal, found that “2016 will be the year when UK shoppers will be able to use their mobile phones to pay for things on the high street with digital money rather than cash, cheques or cards”.

The findings are based on interviews with 10 senior executives from major UK businesses, representing a combined 2010 turnover of £85 billion.

PayPal’s first retail tests of its in-store payment system is happening at Home Depot, the payment company acknowledged last week. But the bigger test will be ensuring that many more retailers and merchants are in a position to easily integrate PayPal’s system as it looks to roll out its offering this year.

PayPal is taking a big step forward by partnering with AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. AJB is now incorporating PayPal’s mobile payment system into its framework and building out a specific PayPal interface, which will allow PayPal users to pay through 250,000 point-of-sale terminals that connect to AJB software. AJB said it services 20 percent of the top retailers in North America. The AJB integration should be become available to retailers in the first quarter of this year.

Retailers will still have to decide if they want to enable payments via PayPal. And the process of outfitting stores and chains can take anywhere from days to weeks. But if they choose to make the software upgrade, retailers will be able to receive payments via a PayPal Access Card or through an “empty hand” payment in which a user accesses their PayPal account by entering in their phone number at a point of sale terminal. In both cases, they will need to confirm a transaction with a PIN code and then AJB’s software takes the request and pings PayPal, which authenticates the user. PayPal can send back coupon information or deals stored on a user’s PayPal app, which the user can then decide to apply before selecting their payment form and checking out. After the transaction, users will receive an e-receipt on their PayPal app and online in the PayPal account.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

We've been promised a wallet in our phones for years, but 2012 will be the year that it breaks through. The advent of this technology will mean more than just the convenience of a 'Jedi wave' of your phone to pay for coffee. From tracking your carbon footprint to smart posters, mobile payments are another piece of the infrastructure of the 'Internet of Things'.

NFC, or Near Field Communication, is a type of chip built into mobile phones to allow contactless payments. Although the NFC technology has been around for years, a major barrier to progress has been the lack of payment terminals.

The Transport for London Oystercard is a form of contactless payment, and you've probably seen contactless payment terminals in popular sandwich chains like Pret and EAT. The same terminals can be used for NFC mobile payments as these phones become available. The difference is that NFC will allow the phone to interact with the terminal using an app, making it much more flexible than the debit card or Oystercard systems.

Don Kingsborough could have called it quits. The man who founded Worlds of Wonder Toys, famous for Teddy Ruxpin and helping lead the introduction of Nintendo in the U.S., and the former president of of consumer products at Atari, was just winding down his time last year at Blackhawk Network, a pre-paid card company that he had sold to supermarket Safeway. With his options expiring, he decided to sell and contemplated retirement.

But then PayPal came calling, and Kingsborough couldn’t resist the opportunity to make one more big stab at shaking up the retail world. Kingsborough joined PayPal in March 2011 as VP for retail and prepaid products, heading up PayPal’s efforts to launch an in-store payment system.

In his first extensive interview since joining PayPal, Kingsborough said he wasn’t just interested in extending his career; he saw a huge chance to fundamentally change the way people shopped in retail stores as digitalization moved payments beyond cash and credit. And he believes that PayPal is uniquely positioned to bring that vision to market.