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Without so much as a whisper from the retailer itself, Amazon’s Android tablet is heading our way. Rumoured to launch at the end of the third quarter in time for the holiday season, Amazon is hoping it can steal a little of Apple’s thunder and steal a little of its market share.

Amazon’s decision to launch an Appstore was a surprising one, especially because there was no shortage of alternative Android marketplaces at the time. Incorporating its patented recommendation system and its “Free App A Day”, the third-party application store won many fans in the US primarly because it has been providing customers with downloads of some of the most popular Android apps and games.

Amazon is one of, if not the world’s number one Cloud storage and service provider and is seen by many to have led the march towards the Cloud, with affordable and reliable online services that even the most bootstrapped startups could afford. Asserting itself in the hosting market has helped the company make the best of its other web-based services, namely online music downloads and its new Android Appstore.

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.

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.

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.

PayPal is testing an NFC mobile payments application at two stores in Sweden while it continues to look for ways to expand access to its payments services.

PayPal has been experimenting with NFC for a while and recently incorporated NFC into the latest version of its Android app to enable peer-to-peer payments with two mobile phone users tapping their phones together to transfer money between them. The NFC payments app test is running in conjunction with two Swedish retailers and the Swedish developer Accumulate over a five day period.

“There has been some confusion out there,” said Anuj Nayar, director of communications for PayPal, San Jose, CA. “We are not anti NFC.

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.

One of the themes that we've been most interested in at NextView over the last 12+ months has been the impact of consumer web trends on business software.  

But I've seen an acceleration of the impact consumer web trends are having on business software, and believe strongly that it will provide a thread of innovation for SaaS companies for the next 5+ years.

The classic delineations of web products for business and consumer ("enterprise" direct selling, on premise vs cloud, etc) are only getting blurrier.

Taiwan's Acer Inc. plans to launch smartphones with near field communication (NFC) technology, which will allow users to make remote bill payments and contactless payments for retail and public transport, a company manager said Thursday.

"Telecom operators have forecast that NFC technology will become critical for smartphones next year, and I think other cellphone makers will also regard this technology as a default function on their products by that time," said Vincent Chen, product manager of Acer's telecom business department.

The current Mango operating system does not support NFC technology, but the next release of the Windows mobile platform -- Windows 8 -- is likely to feature the function, Chen said.

Ever since Amazon released the Kindle, it now sells more e-books than it sells physical books: Amazon reported that it sold 115 e-books for every 100 physical books it sold in 2011. Unfortunately, e-books are still very much the same as physical books: they are static, their content is not updated nor does it include videos or interactive infographics.

If you have an iPhone/iPad/iPod, we highly recommend downloading “Our Choise”. Not only is it an intelligent and interesting book, its format is the first peek into what your book experience will become in the next few years. It might be time to kiss those physical books goodbye after all.  If you’re not convinced, check out the great demo given at TED:

Gartner has just released its Worldwide Mobile Terminal Sales to End Users report for 1Q11, and results confirm the expectations: Android keeps growing and is with no doubt the number one platform, while Nokia is still the strongest manufacturer even though at its minimum level since 1997. The other great winner is the Taiwanese HTC, which sells almost triple amount of handsets thanks especially to its Android smartphones.

Nokia keeps loosing share but keeps first position, with Samsung holding number two with a slight loss in percentage but growth in sales. LG loses ground too and is now pushed by Apple and RIM. ZTE keeps growing, and just behind it HTC passes two of the bigger names from the past that are today relegated to bottom positions: Motorola and Sony Ericsson. Huawei closes the top ten thanks to its low-price devices. Can we expect HTC to pass ZTE and maybe even RIM before the next report? With amazing superphones such as the Sensation and the Thunderbolt that’s very possible! “Smartphones accounted for 23.6 percent of overall sales in the first quarter of 2011, an increase of 85 percent year-on-year”, said Roberta Cozza, principal research analyst at Gartner. “This share could have been even higher, but manufacturers announced a number of high-profile devices during the first quarter of 2011 that would not ship until the second quarter of 2011. We believe some consumers delayed their purchases to wait for these models”.

The smartphones report shows a huge growth by the Android OS, which is now firmly the platform to sell the most, with Symbian dropped to number two, and iOS third after surpassing BlackBerry OS. Microsoft OSs (both Windows Phone 7 and the older Windows Mobile, combined) mantains the same sales level of last year but halving its percentage; experts say Microsoft’s alliance with Nokia will bring Windows Phones back to the top replacing Symbian,

Microsoft's Kinect has been the fastest-selling consumer electronic device in history, has over 10 million owners, and connects nearly 35 million users through Xbox Live--all of whom are capable of online sharing. "This type of experience is really an untapped market because these devices already live at home," says Dawson. KinectShop is primed to seamlessly integrate with real-life shopping experiences. "With an experience like KinectShop, a shopper can easily scan a QR code or swipe their NFC smartphone to take their experience with them and use wayfinding tools to locate the product in-store," Luke Hamilton, Dawson's Razorfish colleague, writes to Fast Company in an email.

We just can’t give enough love to mobile payments as we watch the world move from cash to credit to cardless. Intuit is feeling the evolution too and created an infographic to explain just how much mobile payments are growing and where they’ll be in 2015.

The two biggest payment players last year were obviously credit and debit cards, with a small, but rising mobile payments only making up 5 percent of purchases executed. But important to note is that as credit, debit and other forms of payment increase, cash exchange decreases. People have long trusted plastic to deliver their currency, so why not trade in the plastic for airwaves? Well, according to Intuit, people will do just that. Cash is expected to drop to just over $1 trillion changing hands in 2015, and alternate payments jumping up considerably to $2.7 trillion, hugely surpassing cash as a trusted method of payment.

Also important to keep in mind is the proliferation of smartphones themselves. Smartphones have permeated over 40 percent of mobile users, but more interesting is the fact that this is mirrored in business owners. 37 percent of entrepreneurs also work through the smartphone, creating a level playing field for people wanting to buy and sell over the phone.

So, HP is now distancing itself from webOS under the guise of making it open source. It presumably could not find a company willing to buy the platform so now it is taking the only avenue that is available. HP now has very little way to make money off of webOS. As a licensed open source project, it is not going to be able to sell licenses to the platform, the way Microsoft does with Windows Phone. Nor does it have Google's clout in the advertising world to monetize webOS the way Android does. HP must pin its hope on the notion that developers, OEMs and carriers will pay HP for its software and cloud services in the development of webOS applications.

Herein lays the problem. As an open source project, developers will be able to choose whatever cloud and development tools they want. The fact that webOS is so closely tied to the Web does not help either because there are a variety of solutions to make HTML5 Web apps outside of HP. From the startup realm with companies like appMobi, Sencha, Appcelerator to enterprise developer companies like IBM and SAP, HP has no way to tie the development process to itself in an open source environment. Google has accepted this fact and lets the Android ecosystem do as it pleases because as long as people have Android devices in their hands, Google stands to make money from when and how they use the Web and native apps on the device.

Wearable computing becomes the next mobile frontier.

We’ll remotely connect to our smart homes.

A jump in wireless home broadband adoption.

Vantiv, a provider of mobile payment solutions, announced a new point-of-sale product on Friday that it will be rolling out in partnership with Verizon Wireless. The product, which is currently in field testing, includes custom tailored applications and an Android-based point-of-sale solution for accepting payments. The applications will be available in Verizon’s Private Application Store for Business. “Merchants and consumers are seeking greater mobility, control and timely access to data,” said Bill Weingart, Chief Product Officer of Vantiv. “We’ve teamed with Verizon to combine our payment and security expertise with Verizon’s ability to tailor development of mobile technologies to address those needs.” Verizon Wireless is also a member of ISIS, an initiative in which it has partnered with AT&T and T-Mobile to provide customers with NFC-based mobile payment options. Vantiv’s full press release follows after the break.

Vantiv Introduces Next Generation Mobile Payment Solution Teams with Verizon to Develop and Deliver More Flexibility and Opportunity for Merchants to Grow Their Businesses CINCINNATI, Jan. 31, 2012  — Vantiv, LLC (formerly Fifth Third Processing Solutions, LLC), a leading integrated payment processor, today announced that its customers will be the first to use an innovative point-of-sale device and system that will help merchants more effectively conduct business.

Vantiv is conducting a field trial of a new mobile payment solution developed in collaboration with Verizon. The new solution is architected on the Android operating system and features end-to-end, secure point-of-sale payment capabilities and business applications using Verizon’s Private Application Store for Business. As a result, Vantiv customers can tailor point-of-sale applications to meet their needs while taking advantage of remote device management.

If it were up to Jumio, we’re all going to be ‘netswiping’ to purchase books, clothes, travel, FarmVille crops and whatnot online in a couple of years. The startup has been extensively testing its digital payments service in private beta mode since last year, when Jajah founder Daniel Mattes started teasing whatever they were building.

The startup has since assembled an impressive advisory board, including former Google exec Zain Khan, former Amazon exec Mark Britto and Maarten Linthorst, CEO of CSI Communication Systems. And we recently learned that Facebook co-founder Eduardo Saverin and other investors pumped $6.5 million into the startup.

Today, Jumio is finally unveiling Netswipe, a technology solution that enables e-commerce site owners and Internet retailers to process online and mobile payments by having customers ‘swipe’ their credit cards using virtually any webcam. Think of it as Square for the Web, without the need to purchase and install additional hardware. Watch the video below to see how it works, in a nutshell.

NFC, the technology running behind Google Wallet and many mobile e-commerce applications, lurks in many of the smartphones on display at CES. But mobile commerce isn't the only reason that NFC deserves your attention.

the most potentially disruptive technology has so far gotten precious little coverage. I'm talking about Near Field Communications or NFC. Didn't get your pulse pumping? What if I told you that NFC is the technology behind Google Wallet and every other mobile e-commerce technology, and that it's likely to be built into a good many of the higher end smartphones shown at CES? If you believe industry watchers, there'll be about a half billion phones sold with the technology between now and 2015.

NFC can be used for a lot of things, and payment is just one of them. The close proximity technology can also be used to see specs and other details on retail items. As stores like Best Buy move to compete with Amazon on price, you can bet that this technology will be used to replace the pimply faced kid who actually knows a surprising amount about whatever it is he's selling. It could also be used to assure the lowest prices for price conscious consumers.

Google is finally opening up its near field communication payment system, Google Wallet, today to the public, allowing Nexus S users on Sprint to try out contactless payments through their smartphone. It’s a little later than originally expected and again, with only one handset that supports it, Google Wallet is just the first step in a long process.

But it’s a significant one that begins a much broader effort by Google to change both the way people pay for goods in the real world and interact with merchants and retailers. Toward that end, Google announced today that it has struck deals with American Express, Visa and Discover so their cards will also be integrated into future versions of Google Wallet. Initially, Google Wallet launched with MasterCard as its first partner. But now, banks that issue cards through Visa and Discover will soon be able to load up their accounts directly on to Google Wallet.

For Google, the wallet initiative signals a new opportunity to market deals and discounts to consumers and allows merchants a new way to reach consumers and strengthen their relationships with them through discounts and loyalty programs. And it enables them to close the loop on transactions, so they can see how effective their marketing is.

PayPal’s mobile payment system has gone live at 51 Home Depot stores in the US.

The eBay-owned company has also reported that its mobile payment volume reached $4bn in 2011.

PayPal’s new mobile payment system, which was trialled by eBay CEO John Donahoe, allows users to pay at the till by entering their mobile phone number and PIN.