Skip to main content

Home/ Open Intelligence / Web 3X (Social + Mobile)/ Group items tagged tips

Rss Feed Group items tagged

Dan R.D.

21 Tips for Using Twitter and Facebook for Business [03May10] - 1 views

  • 21 Tips for Using Twitter
  •  
    "Businesses want to see results, that's the bottom line. Social media, as the title suggests, describes a social experience not necessarily a business one. This list helps to focus in on how business can benefit from the social processes to engage both internal collaboration and external customers and partners; perhaps a more appropriate name would be 'Business Media'?"
Dan R.D.

Foursquare Gets Into The Crowdsourced Curation Game With Tip Lists [15Aug11] - 0 views

  • oursquare has launched its Tip Lists features today, attempting to capitalize on people’s unending desire to create lists about locations, like Top Five Coffee Shops in SF, etc etc. Up until now your Foursquare Tips have sort of roamed free on the app, without rhyme or reason or real incentive to add more. Today the company is trying to improve on the Tips experience and get users to fancy themselves local experts. After all, you must know something about some place in the city you live in right?
  • Creating a list is relatively easy, as the entry field auto-populates with places. There is also a collaborative functionality, which lets people who you’re friends with edit a list.
  • The Tip Lists will also feed into Foursquare’s Explore functionality, which serves up recommendations for Food, Nightlife and Coffee based on your friends’ Checkins and Tips.
Marc-Alexandre Gagnon

Sage Mobile Payments Handles Credit Cards, Signatures And Taxes - 0 views

  • “While other vendors are fighting over no monthly fees, but higher processing costs for mobile transactions, we’re still saying ‘no’ to mobile transaction surcharges,” said Hammermaster. “With Sage Mobile Payments, businesses have the option to pay no more than they would to process regular credit or debit card transactions on a standard credit card terminal.” 
  • Enhancements built into Sage Mobile Payment 2.0 include an updated user interface, signature capture capabilities, a tax and tip calculator, and a free Sage Mobile “app store” download.
  • “In 2011, 25 percent of worldwide mobile PC shipments were tablets, and upwards of 75 percent U.S. small and midsized businesses plan to purchase tablets in the next year,” said Greg Hammermaster, president of Sage Payment Solutions, the payments division for Sage. “Mobility has truly become a must-have in today’s business world. Businesses using Sage Mobile Payments have a great opportunity to expand their sales and customer service opportunities, and with the confidence of a commercial-grade mobile payments solution. Sage Mobile Payments will help businesses evolve into this next phase of mobile payments.”
  • ...3 more annotations...
  • New Sage Mobile Payments 2.0 features:One Merchant Account — Businesses can now use their existing Sage Merchant ID (MID) account to add mobile payments to their existing payment solution, and at the same low processing rate.Updated User Interface on Smart Phones — The new, completely intuitive, colorful user interface makes processing payments easier than ever.Signature Capture — Businesses can give customers peace of mind knowing a signature is required to complete their transaction. With the swipe of a finger, a signature is captured to complete a sale. A signed receipt is emailed to both the business and their customer.Tax And Tip Calculator — Businesses no longer need a separate calculator to determine tax due and tips; Sage Mobile automatically calculates both.‘App Store’ Download — By going to the Android Marketplace or Apple’s iTunes store, businesses can download the Sage Mobile application at no cost. Then, once they have called Sage to set up their merchant account, they can start accepting mobile payments.
  • Businesses using Sage Mobile Payments can benefit from increased chances to close sales; anytime, anywhere transactions; a secure and PCI compliant payment processing environment; real-time authorizations for expedited cash flow; and minimal cost.Sage has been providing businesses and organizations with electronic payment systems for more than 20 years. Visit Sage Payment Solutions online at www.sagepayments.com.
  • Sage North America today announced the launch of Sage Mobile Payments 2.0, the latest version of its Payment Card Industry (PCI) compliant mobile payments product. Sage Mobile Payments comes bundled with a Sage merchant account, and allows businesses to cost effectively and securely process credit and debit card transactions on mobile devices, like cell phones and tablets, including Apple’s iPad, across all major wireless carriers. Version 2.0 focuses on enhancing the customer experience through new features designed to save businesses time and increase the security of their transactions.
Dan R.D.

Africa set to reach one billion mobile connections by 2016 says report [06Nov11] - 0 views

  • Africa is being tipped to pass one billion mobile subscriptions to become the world’s second largest mobile market by 2016 according to new research from analyst firm Informa.
  • Mobile activations in the continent, which currently stand at 616 million, are estimated to grow by more than 60 percent over the next five years making the region the world’s second largest telecom market behind only Asia.
  • Informa explains that the development of the region’s “relatively immature telecoms market” — thanks to increased competition and lower costs — combined with the continued growth of Africa’s population are the primary reasons for its growth predictions. The use of 3G is also tipped to rise at a strong rate from 6.6 percent of Africa’s total mobile subscribers today to 46 percent by the end-2016 .
  • ...1 more annotation...
  • the region’s most connected country as the Informa announcement explains: Nigeria will continue to be Africa’s biggest mobile market by subscriptions, with a forecasted 152.09 million subscriptions at end-2016. Egypt will hold onto its position as Africa’s second-biggest mobile market, with a forecasted 118.03 million subscriptions at end-2016. South Africa, the continent’s third largest mobile market, will have 80.56 million mobile subscriptions at end-2016.
D'coda Dcoda

Re-working Work for Virtual Teams [29Jan10] - 0 views

  • The world of work for knowledge and information workers has seen enormous shifts over the past decade, and it is something that impacts a disproportionate number of entrepreneurs.  According to the 2006 US Census, 49% of US businesses were based out of the home.  While these ranks used to be dominated by the trades (e.g. construction, electricians, plumbers, etc.), advances in technology have swelled the ranks of the home-based knowledge worker (e.g. consultants, web designers, developers, writers, etc.).This creates a whole new set of challenges when it comes to getting work done.  Because information-based work is almost never done in a vacuum, most of us work in teams.  And a large percentage of those teams can go weeks — if ever — without seeing each other face-to-face.  Making this work well sounds like it should be easy given all of today’s technology: email, Skype, ooVoo, Twitter, etc.  But, as usual, the issue that requires the most management is not the technology, it’s the people.This creates a whole new set of challenges when it comes to getting work done.  Because information-based work is almost never done in a vacuum, most of us work in teams.  And a large percentage of those teams can go weeks — if ever — without seeing each other face-to-face.  Making this work well sounds like it should be easy given all of
  • today’s technology: email, Skype, ooVoo, Twitter, etc.  But, as usual, the issue that requires the most management is not the technology, it’s the people.Becky McCray of SmallBizSurvival recently posted an article on MyVenturePad discussing this very thing.  In “6 Tips for managing a distributed workforce,” she discussed several valuable tips in successfully leading a team that is all working remotely (presumably from their homes).  In addition to some of her great tips — ranging from reading The One Minute Manager to explicitly declaring the weekend off — here are a couple more items that I’ve recently been reminded are critical to the success of a virtual team.Clarifying priorities.Rules of engagement.
  • Roles and responsibilities.Talk through assumptions.Ask, Then DecideRead more at www.workingpoint.com 
Marc-Alexandre Gagnon

Top 7 Mobile Commerce Trends in 2011 - 0 views

  • 4. Offers, Offers and More Offers With the daily deals craze dying down post-Groupon IPO, mobile offers are springing up. Google Offers, Google's response to Groupon's daily deals, continues to expand and personalize its deals. It recently stepped into the mobile commerce space with an Android app. Amazon entered the daily deals space with Amazon Local. Mobile commerce isn't a part of the story, but with Amazon's hefty investment in Living Social and an infrastructure far more mature than Groupon's, Amazon may be waiting for just the right moment before really making its move. Meanwhile, daily deals superhero Groupon moved further into the location-based mobile commerce space through a partnership with Loopt. Soon after the Loopt announcement, Groupon launched Groupon Now, which inserts real-time, location-based offers into the daily deals game. Such offers are usually only available for a few hours, do not include the typical Groupon tipping point and are meant for impulsive mobile users.
  • 5. Shop Till You Sit: Tablet Commerce Tablets are all the rage this year. A recent study by eMarketer.com predicts that one in three online consumers will use a tablet at least once a month by the year 2014. Appel iPads are positioned to dominate the tablet market until 2015. So what are people doing on their tablets? Shopping, naturally. And thus the boom of tablet commerce. Amazon.com, the top revenue-producing Internet retailer, naturally leads the pack with a strong tablet-optimized site. Couch commerce, the act of sitting on one's couch and shopping from a smartphone and tablet, saw a strong increase this year - especially after Thanksgiving dinner and on Black Friday. Amazon launched its Kindle Fire tablet on September 28. ReadWriteWeb Writer Jon Mitchell calls it a store with a screen, quite literally suggesting that its sole purpose is to be a media consumption device. As the Kindle Fire continues to gain consumer mindshare and more developers flock to the Amazon Appstore (don't call it the App Store, OK?), we expect more tablet commerce growth in this area. Shopping catalogs designed specifically for tablets will add to the tablet commerce experience. Google launched a shopping catalog app for tablets back in August. Google Catalogs, as they're called, are like "window shopping with your iPad and Android tablet." The only potential problem for retailers? Now they won't have catalog readers' home addresses on hand.
  • 7. Don't Forget The Dongle Dongles refer to a device that is connect to a computer to allow access to wireless or protected software. In the case of mobile commerce, a dongle would be a mobile credit card swiper that attaches to the mobile device. Square, Verisign and Intuit lead the way in dongle innovation. But with Google Wallet and NFCs (near field communications) on the move, do dongles have a future? Square's Card Case digital wallet is a dongle. It lets you pay by saying your name and only your name - if the merchant you visit is in the Square directory. With its dongle reader, Square aims to make mobile payments mainstream. Intuit's recent mobile payments innovation introduce the dongle-to-debit-card. The company wants to make it easier for small- and medium-sized businesses to accept transactions on the go. While Square is the leader in the dongle world, Intuit offers QuickBooks, tax refunds, bank partnerships, health check-ins and other management systems. Dongle providers such as Verifone, Intuit, Erply, ROAMPay, TRUSTe and PayAnywhere will continue to push their products as the space evolves.
  • ...2 more annotations...
  • 6. Location and Local Groundswell: Chicago to Des Moines to Boston and Back Again The partnership between daily deals service Groupon and location check-in Foursquare was a big one. The two got together and made it happen. Or, as the Groupon blog says, "when we think of mobile addiction beyond Now! we think foursquare, and many of you guys do, too." The idea of positioning daily deals on Foursquare as an "addiction" doesn't exactly insure longevity; rather, it signals imminent burnout. But hey, we'll forgive Groupon's marketing team - with Groupon's stock prices slumping, the company is needs to keep looking for new ways to hit up consumers. Dwolla, mobile payments system based in U.S. mobile payments capital Des Moines, Iowa, seeks to completely sidestep credit cards. Unlike its main competitor PayPal, Dwolla does not snag a percentage of the transaction; instead, it asks for a shiny silver quarter, regardless of the transaction amount. LevelUp from Boston-based SCVNGR brings location-based gaming to the daily deals space. The idea is simple: Users will receive better deals the more they use the system. Much like the "unlocking" of Foursquare badges, LevelUp users will unlock new "levels" of awesome deals with particular merchants as they continue buying. Like its competitor Dwolla, SCVNGR recently began building local mobile payments into LevelUp.
  • Conclusion Mobile commerce is at a tipping point. It has not hit a critical, mainstream mass, however. First, the battle of NFCs vs. mobile wallets vs. dongles will need to settle, with one emerging and the others either following and finding their niches, or disappearing completely. Carrier billing will play a crucial role in how consumers start easing into the idea of mobile commerce. The daily deals space will become more focused on mobile, particularly in the ares of personalization and location-based targeting - people who use their phones are glued to them, naturally, and they must start receiving time-sensitive offers at exactly the right moment. Tablet commerce will continue to expand, as more people buy tablets and engage in "couch commerce." Catalogs, tablet-optimized websites and fast conversion rates make this the perfect platform for capturing consumers who already feel devoted to their tablets. In the dongle space, Square will continue to position themselves as the thought leaders, though they will face a fierce competition from Intuit.
Marc-Alexandre Gagnon

Fun Tip: Dictate Notes with Siri on iPhone 4S « Evernote Blogcast [08Nov11] - 0 views

  • Siri, the iPhone 4S digital assistant, does so many useful things; it helps you find the nearest pizza joint, reminds you to buy bread and even quotes 2001: A Space Odyssey. Did you know that you can also use Siri to dictate notes into your Evernote account? It’s true, and best of all, you probably already have it configured.
  • The set up is very straightforward. First, make Evernote a contact in your address book with your incoming Evernote email address. You can add the email by going into Evernote > Settings > Evernote email address.
  • Launch Siri and say “Send to Evernote.” Next, dictate your email and send it off. The message will show up in your default notebook. Even cooler, you can say “Send email to Evernote. Make apple pie for family reunion,” and Siri will send that note into your account.
  • ...1 more annotation...
  • It’s the hands-free way to create notes. Perfect for when you’re driving, jogging or just not in the typing mood.
Dan R.D.

5 Valuable Social Media Marketing Tips For Small Businesses [01May10] - 1 views

  • 1. You don’t have to jump immediately into hiring a social media expert.
  • 2. You don’t have to spend on high-tech gadgets.
  • 3. To help you maximize your allotted time for social media marketing, don’t spread yourself too thin.
  • ...2 more annotations...
  • 4. If you’re worried about tracking ROIs for your social media effort, you can simply ask new customers where they’ve heard about your business.
  • 5. To make it easier for you to stick to your allotted time, it helps to set up an alarm clock for when you need to start working and when your time is up for doing your social media marketing.
  •  
    Keeping it simple.
D'coda Dcoda

Virtual Teams - tips for successful meetings [13Jan10] - 0 views

  • Use your meetings for decision making and exchange of ideas rather than routine updates. Instead, email or post the updates ahead of time so people can read through them prior to the meetingMeetings should be no longer than 90 minutes.  If meetings are longer than 90 minutes offer your team members a 10 minute breakBe realistic about how many agenda items can be covered in a meetingAt the end of each meeting discuss what worked, what did not work, what could be improvedIf possible, rotate roles-scribe, timekeeper and facilitatorHave multiple presenters. The change of voice and pitch can help keep people engagedAgree to start and end on timeRead more at virtualteambuilders.wordpress.com
  •  
    probably good for a "how to" tag
D'coda Dcoda

Building Mobile Web Apps the Right Way: Tips and Techniques [09May11] - 0 views

  • Here’s a quick breakdown of the big differences between desktop and mobile platforms: Mobile device hardware is smaller and generally tends to have lower hardware resources than desktops/laptops. Smaller screens bring about different design considerations and challenges. Touchscreen technology introduces new interaction concepts that differ from traditional input devices (keyboard and mouse). With a mobile device, internet connectivity is not always as reliable as a hard-wired broadband connection, which means internet connectivity is a concern and data transfer could be significantly slower. Although these sound as if they are hurdles to get over, with careful thought and consideration, there’s no reason why they should be. Touchscreen technology is exciting. The smaller screen design will really make you think about how to get the user to interact with your mobile web app in the most satisfying way possible. What we should really be doing is looking at the list of differences above and seeing opportunities to deliver our content in a different way. Building mobile web apps will be a paradigm shift from traditional web development and web design.
  • In the next sections, we will discuss development/design considerations, as well as concepts and techniques for building mobile web apps.
  • Keep File Sizes Small
  • ...11 more annotations...
  • Dealing with Image Performance We want to try to get rid of as many images as we can. For the images we keep, we want them to be as lightweight as possible. If images are a necessity for particular parts of your mobile web app design, then there are a couple of extra steps we can use to trim off any excess fat from your files.
  • Use Adobe Fireworks for Transparent PNGs
  • Using ImageAlpha If Fireworks sounds like too much of a bother, check out ImageAlpha. Once installed, all you need to do is drag your images into its main window and then tweak the export settings to remove excess data from the images.
  • To learn more about using PNGs in web designs, see the Web Designer’s Guide to PNG Image Format.
  • Leveraging CSS3 Mobile web browsers these days are pretty advanced. Android devices use a mobile version of Google Chrome, whilst the iPhone does the same with Apple’s Safari. Some mobile devices come with mobile Opera and others allow you to install a browser of your choice such as mobile Firefox. So we’re talking about some pretty good browsers in terms of CSS3 and HTML5 feature support. CSS3 allows us to render things through code that would previously have required an image. We can use color gradients, draw rounded corners, create drop shadows, apply multiple backgrounds to HTML elements, and more — all of which can help improve performance and decrease development times.
  • If you look at a typical application interface via your smartphone, it’s almost guaranteed that you’ll find CSS3 being used.
  • By using CSS3, we can reduce data transfer — particularly images and possibly excess HTML markup. We let the browser and the device do the work to render the interface more quickly.
  • HTML Canvas If you fancy a little more work, then you can improve speed even further using the canvas element. Although using CSS gradients eradicates the loading of a physical image, that method still causes the device’s rendering engine to construct an image in the browser, which can result in a performance reduction depending on the device and browser.
  • Hardware Acceleration When it comes to mobile web apps, Apple’s mobile devices are a major consideration that we need to be aware of because of the current popularity of the iPhone and iPad. Safari 5 (on all platforms) brings hardware acceleration into the mix. If you’re not familiar with the feature, Apple describes it as follows: "Safari supports hardware acceleration on Mac and PC. With hardware acceleration, Safari can tap into graphics processing units to display computing-intensive graphics and animations, so standards like HTML5 and CSS3 can deliver rich, interactive media smoothly in the browser."
  • Be Cautious of CSS3 Rendering Performance As brilliant as CSS3 is, certain properties can slow down a web page. WebKit-based browsers, for instance, really seem to struggle with shadows in particular, so just be careful that you don’t apply too many of these to elements of your interface until the issue has been resolved.
  • Consider the Offline User Experience Finally, let’s briefly discuss HTML5 offline data storage.
  •  
    Very useful, but visit site for complete "how-to"
D'coda Dcoda

YellowBrck Launches New Free Location-Based Social Network Mobile App for Moms & Dads [... - 0 views

  • at http://www.yellowbrck.com. Email PDF Print New York, NY (PRWEB) May 12, 2011 YellowBrck is a new location-based social network mobile application created for moms and dads on the go. By downloading the free YellowBrck iPhone/iPad app in the App Store, parents can easily share their activities and locations with friends and other parents, as well as score special savings incentives from retailers. YellowBrck was created as a way to connect parents, help them share tips on ways to keep their children entertained, and learn about the latest family spots and events nationwide. By checking into YellowBrck on a regular basis, users are able to earn discounts and rewards from their favorite retailers. YellowBrck empha
  • is a new location-based social network mobile application created for moms and dads on the go. By downloading the free YellowBrck iPhone/iPad app in the App Store, parents can easily share their activities and locations with friends and other parents, as well as score special savings incentives from retailers. YellowBrck was created as a way to connect parents, help them share tips on ways to keep their children entertained, and learn about the latest family spots and events nationwide. By checking into YellowBrck on a regular basis, users are able to earn discounts and rewards from their favorite retailers. YellowBrck emphasizes the social aspect, allowing parents to meet up with nearby parents, keep tabs on what activities their friends are doing, and discover family-friendly places in their neighborhood. An impromptu playdate at the park or a last-minute trip to the museum is easily shared on YellowBrck for others to join in. Parents are also able to check-in for everyday tasks pre-listed on the app, including potty training and getting dressed, with the chance to “win” virtual stickers and real world savings from online and brick & mortar retailers, including Totsy, Ecomom, Dapple, Abe’s Market, Torly Kid, and many more.
D'coda Dcoda

#newsrw: Keep the audience interested with interactivity [27May11] - 0 views

  • Paul Bradshaw, visiting professor, City University and founder of helpmeinvestigate.com used the principal of toys to give ideas on developing the data story and explained the importance of  “future proofing the information we are gathering”, saying “that’s one of the big commercial imperatives”.
  • Conrad Quilty-Harper, data mapping reporter at the Telegraph, explained how creating maps adds to a story by using the example of a map on bike sharing schemes he created (though did not publish) using “Google Fusion Tables and a bit of javascript”. He recommends Google Maps and says the trailblazer of a news site using Google Fusion tables is the Texas Tribune.
  • My proudest example” was a live interactive Royal Wedding map which “worked brilliantly for three hours”. It showed some of the best tweets and were geolocated on the map. “We’ve got the data and we’re going to analyse it and do something with it in the future,” he said. “It tells you what people in specific locations were thinking”. The Telegraph would like to use the technology in a crisis news story, such as an earthquake or conflict.
  • ...9 more annotations...
  • One of the Telegraph’s examples Quilty-Harper gave was a map of what the UK would look like if the 2010 election was decided by people voting under the AV. He said the Telegraph is moving away from Flash graphics, which is not supported by the iPad.
  • “There’s a lot of under used resource” in the UK when it comes to creating maps, Quilty-Harper explained, saying the US is ahead of the game. He gave a tip that the Met office has an amazing resource of data on weather. Federica Cocco is editor of OWNI.eu and demonstrated the power of bloggers, data journalists, activists and graphic designers working together.
  • OWNI considers itself a think tank and as describes what they do as “augmented journalism”.
  • Alastair Dant, lead interactive technologist at the Guardian, gave a run down of how news websites use interactive content.
  • He listed the use of photos, slideshows, the interactive timeline, maps, charts and graphics, open-ended systems or “games”, which are interactive and allow users to make choices about what should happen, for example.
  • His view of the future is one of “lots of screens” as people use phones and tablet devices and of HTML5, which provides cross browser compatibility, overcoming the current problem.
  • Dant’s three tips for making interactive content are: 1. Google Fusion Tables 2. Tableau 3. Dipity, which is for timelines.
  • A question on how interactivity affects the audience and visitor numbers resulted in Paul Bradshaw discussing how many interactive maps and graphics go viral.
  • “With interactivity you get engagement”, Bradshaw said, and people spend a lot more time on the page – five times longer in the case of the data store, Bradshaw said.
Paul Simbeck-Hampson

Identify Website Goal Values & Win: Excellent Analytics Tips # 19 < Test - 0 views

  • #1: Assign campaign codes &amp; track offsite converting goals (micro-conversions).
  • #2: Uniquely track online micro-conversions in offline systems.
  • #3: Get the current "faith based" number from Finance.
  • ...2 more annotations...
  • #4: Use "relative goal values."&nbsp;
  • #5: Use $1 as the goal value for all the outcomes.&nbsp;
D'coda Dcoda

Agencies lack mobile skills and we need 100% mobile focused agencies [20Jan12] - 0 views

  • Despite all of this 99% of brands and businesses are ill prepared for this new flood of mobile tech. They literally don’t have a clue where to start. Most brands think that building an app is the solution to all their mobile problems but with over a million apps across the various platforms they are notoriously hard to promote and rarely get cut through. Many businesses have started implementing mobile sites but that is only really the tip of the iceberg and the vast majority of businesses wouldn’t even know what a mobile site was (have a look at some of the biggest businesses in your country to see how bad it is). The simple reality is that brands and businesses don’t even know that they should have a strong mobile presence yet and that presents a huge opportunity to a new breed of entrepreneurs willing to provide solutions.
  • Digital agencies will still be pumping out apps for the next couple of years to support campaigns and PR firms are not even at the races. Most importantly you would have to focus. Focus on nothing but mobile. As tempting as it would be to build websites and carry out traditional advertising that will just bring you down to the level of your competitors. The opportunities are immense though because mobile is not something that is just going to go away. It would take you 2-3 years to position yourself correctly but if you started now you would be miles ahead of the curve when this stuff really hit the mainstream from a marketing perspective.
  • We are adding our own mobile capabilities to compliment social because the two go hand in hand but there is plenty more room for agencies all over the world to spring up who are purely focused on mobile. It will without a doubt be the next big marketing frontier. That is my free business idea for the year so just send over the check if you do go ahead and give it a go and it turns in to a huge success
Marc-Alexandre Gagnon

Mobile payment apps work to make wallets obsolete - 0 views

  • Late last month, I ordered the beverage at Sightglass Coffee in SoMa, grabbed it from the counter and walked out without cracking my wallet.
  • Nobody chased me down because, when I first approached the cafe, the Card Case app on my iPhone detected the store's perimeter and automatically switched on. It broadcast my picture to the barista, who could then tap my pre-entered credit card number to cover the bill. The phone never had to leave my pocket.
  • It felt a lot like buying in the one-click environments of iTunes or Amazon, which is to say it didn't feel like buying at all. Square, the San Francisco startup behind the app, has come close to replicating the frictionless online buying experience in the brick-and-mortar world.
  • ...28 more annotations...
  • "What we wanted to focus on was removing the mechanics of the transaction and building the relationship between the merchant and customer," said Megan Quinn, director of products at Square, which occupies space at the Chronicle building at Fifth and Mission streets.
  • But, of course, Square isn't the only company working hard to crack the nut of mobile payments - and they all face considerable challenges.
  • Google, Visa, MasterCard, VeriFone, eBay's PayPal division and a joint venture among AT&amp;T, Verizon and T-Mobile are attacking the problem in various ways. In most cases, those businesses are going a different direction than Square, employing near field communications (NFC) technology that allows people to tap their phone near a terminal to make a payment.
  • Done right, mobile payments can accelerate the monetary exchange, while streamlining the issuance, acceptance and storage of receipts, coupons and loyalty cards. Down the road - once consumer and retail use reaches critical mass - the hope is that people will be able to leave their wallets at home altogether.
  • But there's a chicken and egg paradox: Customers won't start using mobile payments in great numbers until they're accepted in great numbers, and retailers don't have a huge incentive to roll these systems out until customers are clamoring to pay this way.
  • There are only about 150,000 retailers nationwide that accept payments over MasterCard's NFC-based Paypass readers. Google's Wallet payment app works with this system, and industry rumors suggest the next iPhone might as well.
  • Square, which has so far focused on small merchants has about 20,000 that accept Card Case.
  • Another big challenge is human inertia. To get people to download apps, key in credit card numbers and transform a habit they're very comfortable with, mobile payments will have to represent more than a little improvement over what they do today.
  • "You have to offer them a compelling reason to do it," said David Mangini, an IBM executive focused on mobile payments. "At a very, very minimum ... it has to be just as convenient, just as broadly accepted and just as safe."
  • One of the big knocks on basic NFC payments is that tapping a phone near a reader doesn't represent a whopping improvement over swiping a card. In addition, merchants have little to gain by replacing one expensive payment infrastructure with another, some observers say.
  • "It doesn't upset the status quo," said Nick Holland, senior analyst at Yankee Group. "It doesn't really change the original business model and it all goes through the same rails."
  • Receipts, deals Google argues that its NFC-based Wallet app is a big step forward for a few reasons. A single tap replaces not just the payment, but also the exchange of receipts, coupons and loyalty points.
  • On top of that, Google believes it's tying together the on- and off-line retail worlds, by allowing consumers to move the deals they spot on the Web into the Wallet app, where they can redeem them in the real world. Google Wallet also advertises nearby deals when users open up the app.
  • "For the consumer, it's really about tap, pay and save," said Osama Bedier, vice president of payments at Google. "On the merchant side, it's about closing the loop on that advertising."
  • This is a critical goal for Google, too, as it experiences slowing growth in online advertising - 93 percent of commerce still occurs offline, according to Forrester Research
  • For its part, Square steers around the limitations of NFC - as well as the various roadblocks of wireless carriers and credit processing networks - by leveraging the powers of the Internet to process payments. The credit card information is stored online, in Square's secure cloud, not on the device itself.
  • Square, which started by providing small attachments that allow merchants to swipe credit cards using mobile devices, acts as the merchant of record for its customers. This allows the businesses to quickly start accepting credit cards without going through the usual drawn out and expensive process of applying for a merchant account. But it also clearly puts more risk onto Square's shoulders.
  • Square turned on the hands-free feature on its Card Case app, which takes advantage of the so-called geofencing capabilities in the latest version of Apple's mobile software, in an upgrade to the app in November. The feature is only available on Apple devices to date
  • Quinn said "automatic tabs" represents an obvious improvement over traditional payments and it's quickly driving user growth (though the company doesn't disclose user numbers).
  • In addition, retailers have seen revenue leap as much as 20 percent since integrating the app. It drives traffic by highlighting nearby establishments, and the ease of payment encourages customer loyalty, the company says. Tips also tend to go up.
  • Is it safe? But the question that has dogged Square - and indeed hangs over much of the mobile payment space - is security.
  • Early last year, VeriFone CEO Douglas Bergeron blasted Square - its attention-grabbing young competitor - for what he called serious security flaws. In an online video, he argued that any bad actor could use the Square dongle and an easy-to-create app to skim credit card numbers.
  • Square CEO Jack Dorsey, also the co-founder of Twitter, defended the company's security practices in a letter. He also highlighted the inherent insecurity of credit cards, noting that any sketchy waiter is equally free to steal your information.
  • Meanwhile, Quinn argued that Card Case is actually more secure than credit cards because it only works if you're in the location and your face matches the picture that pops up on the merchant's screen.
  • The radio technology behind NFC has taken some security lumps, too.
  • Late last month, a security researcher at a Washington, D.C., conference used a wireless reader she bought on eBay to highlight some weaknesses of radio frequency identification, Forbes reported. She pulled the critical data from an RFID-enabled credit card through a volunteer's clothing, encoded that data onto a blank card and put it to use onstage.
  • Holland said that any new form of payment inevitably creates new forms of fraud. The challenge will be to educate consumers and merchants about how to minimize the risks.
  • "Clearly, having a device always with you and connected is a very inviting target for criminals," he said. "Any safe is only as strong as the key."
Marc-Alexandre Gagnon

2.0 brings Personal Pickup and EasyPay - Apple News, Tips and Reviews [08Nov11] - 0 views

  • The rumored update to the Apple Store app for iPhone, which we&nbsp;noted last week could revolutionize retail,&nbsp;has arrived, albeit a bit later than expected. Apple Store 2.0 brings many improvements, the most&nbsp;noteworthy among them being Personal Pickup and EasyPay services.
  • As reported, the app now allows you to purchase items directly for in-store pickup, available within an hour if it’s in stock at the local store of your choosing. If an item isn’t available, the expected ship times listed in the online store appear to apply. You can also now order custom Mac configurations (with more RAM, bigger hard drives, etc.) for in-store pickup through the app.
  • The other big new addition is EasyPay, which allows you to scan the bar codes of items you wish to purchase in-store with your iPhone’s camera (iPhone 4 or 4S only) and then pay for them directly in the app through your iTunes account. The app keeps your EasyPay purchase receipts, which should come in handy if you ever have to provide proof of purchase to in-store security on your way out the door.
  • ...1 more annotation...
  • There’s a new option to track the status of your orders right from within the app, too, which makes it easier to keep track of your online and in-store purchases in one place. The new Personal Pickup and EasyPay services are limited to U.S. customers only for now, but the update does introduce international support for Canadian and Chinese Apple Store customers for its other existing features. Hopefully Apple will continue to roll out Personal Pickup and EasyPay internationally if all goes well with the U.S. launch.
Marc-Alexandre Gagnon

Jiepang to deliver NFC check-ins and rewards to Chinese merchants * NFC World [26Aug11] - 0 views

  • China's leading location-based social service is distributing NFC window stickers to more than 3,000 merchants in Shanghai, Guangzhou, Chengdu, Taipei and Hong Kong
  • Jiepang is to distribute NFC window stickers to more than 3,000 merchant partners in six cities in Greater China, including Beijing, Shanghai, Guangzhou, Chengdu, Taipei and Hong Kong.
  • Jiepang is China's leading location-based social service. Its users currently check in and earn rewards via a GPS-enabled smartphone app which comes preloaded on all new HTC, Sony Ericsson, Nokia and other smartphone brands in China, including all three of the new Nokia NFC smartphones announced earlier this week.
  • ...7 more annotations...
  • Consumers use the service to check in to locations as well as to share tips, photos and comments. The system also automatically sends this information to a number of social networking platforms, such as Twitter and Facebook as well as local networks, so that friends and followers are notified whenever a Jiepang user checks in to a particular merchant.
  • Jiepang provides its fast growing network of merchant partners with a self-service platform they can use to provide offers to Jiepang users who check in to their locations, Leo Lee, Jiepang's marketing and business development manager in Hong Kong, has told NFC World.
  • The platform allows merchants to both choose the type of offer they wish to provide and set their offers so that rewards are triggered according to the kind of user actions they want to see. A reward can be offered, for example, each time a user checks in or only when they have checked in, say, three times during a set period of time.
  • Jiepang doesn't charge merchants for using the platform, and it doesn't plan to change this in the future, Lee added. The company's revenues, instead, come from partnerships Jiepang has established with brands such as Starbucks, McDonald's, Nike, Louis Vuitton and nearly 300 others. These enable the brands to use Jiepang "to reach, engage, and learn about their customers in both the offline and online worlds."
  • NFC offers a number of advantages over GPS to both users and merchants, Lee told NFC World. "NFC is a lot easier and convenient" for users, he says, and merchant partners can be sure that, when a user checks in, they really are present at their store. "GPS is not 100% accurate, you can be a few streets away," explains Lee.
  • The new service means that NFC phone users will be able to simply touch their phone to a window sticker in order to check in to a location and register their eligibility for a reward. Then, once they have fulfilled the criteria for a given reward, a mobile coupon for that merchant will be delivered to their phone. Jiepang users then simply show the coupon to the merchant in order to redeem it. Once accepted, the merchant voids the coupon by pressing an on-screen 'void' button on the customers' phone.
  • "NFC has a lot of possibilities for mobile commerce," says Lee. "We want to help small, medium and local merchants to use our platforms."
Marc-Alexandre Gagnon

NFC will be incorporated into one in five smartphones by 2014 - IT News from V3.co.uk [... - 0 views

  • Near-field communications (NFC) technology will be built into one in five smartphones by 2014 as mobile payment and interactive promotions take off, according to a report from Juniper Research.
  • Over 23 million NFC-capable smartphones are expected to be in circulation by the end of 2011, said the NFC Retail Marketing &amp; Mobile Payments report.
  • This willl rise to around 300 million by 2014, and half of these devices are expected to be active in the US.
  • ...8 more annotations...
  • The technology is predicted to generate high revenues, explained Howard Wilcox​, senior analyst at Juniper Research.
  • "NFC-based services in North America will account for nearly $47bn, or 41 per cent of the total, by 2016. The Far East and China ($31bn or 27 per cent) and Western Europe ($23bn or 20 per cent) will follow," he said.
  • However, Wilcox warned that there are still significant infrastructure challenges, and institutions including banks and merchants will need to have sufficient point-of-sale readers installed.
  • The Google Nexus S was the first smartphone to ship with NFC technology, but the hardware has seen limited use in the UK so far.
  • Google is to start trialling NFC services in US this summer, and O2 is expected to roll out a mobile wallet application in the UK this year.
  • RIM has also backed the technology, and its forthcoming high-end devices, including the BlackBerry Bold Touch, are expected to ship with NFC.
  • HTC, meanwhile, has taken a more cautious approach, stating that it will incorporate the technology once there is established demand.
  • The iPhone 5 was tipped to feature contactless payment, but the latest reports suggest that Apple will omit NFC from its fifth-generation iPhone.
Marc-Alexandre Gagnon

CeBIT: O2 gearing up for NFC smartphone services in UK - IT News from V3.co.uk [01Mar11] - 0 views

  • HANOVER: O2 is to introduce new services in the UK in the coming months, including a wallet application and direct-to-bill and peer-to-peer payment facilities, as the company looks to take advantage of mainstream smartphone use.
  • The services are already available in countries such as Germany and Kenya, and will be made available to UK customers soon, according to Matthew Key, chief executive of O2 parent company Telefónica, during his keynote at CeBIT.
  • "Near-field communication will allow people to carry their credit card in their phone and scan transactions. This is fantastic for customers and retailers because it takes a lot of the supply chain costs out," he said.
  • ...4 more annotations...
  • "We see ourselves being an aggregator of services and payments. As a mobile business we are uniquely positioned. Telefónica across the world has 190 million customers, and we know everyone's payment history and credit references."
  • Location-based advertising, which O2 has already started using in the UK, is also being tipped to become a "major product line" with the increasing use of smartphones, Key explained.
  • "Customers can opt to receive a voucher on their mobile phone. We know when a customer is wandering past Starbucks [for example], and can send a barcode asking them if they want to go inside and get 50p off a latte," he said.
  • "Location-based is customer specific and is win-win. The retailer benefits, the customer benefits and [O2] sits in the middle and benefits as well."
1 - 20 of 31 Next ›
Showing 20 items per page