Archive for the ‘NFC’ Category

  • Wearables the future of payments? I’m not convinced …

    on Oct 20, 14 • in NFC, Payments, Slider • with No Comments

    Wearables the future of payments? I’m not convinced …

    A few weeks back I spotted the bPay band from Barclaycard which supports contactless NFC payments via a wristband. Using the bPay website you load money from a debit or credit card and then make payments up to £20 by touching the band on the usual contactless card readers in store. As a payments geek I had no alternative but to get one! After a couple of weeks my bPay band duly arrived; I topped up and headed out to buy some stuff. Waitrose, Boots, Caffe Nero, Marks & Spencer – the world was my

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  • Mixed drinks, no mixed messages

    on Oct 17, 14 • in Beyond Billing, News, NFC, Slider • with No Comments

    Mixed drinks, no mixed messages

    Bars and pubs of all levels of repute have several things in common that are obvious as soon as you walk in the door, and actually before you even walk in. From the outside, you’ll likely see flashing neon and other colorful signs for various brands of beer and other liquid refreshment. This bombardment of ads continues when you step inside with yet more neon, mirrors and clocks emblazoned with company logos, coasters, mats and much more in the way of marketing at just about every corner of the establishment. Most of us can tune these

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  • PayPal to go it alone – we wonder why

    on Oct 7, 14 • in NFC, Payments, Slider • with No Comments

    PayPal to go it alone – we wonder why

    To the untrained eye, the impact that Apple’s late, possibly great, move into payments is having is astonishing. Just last week, PayPal and eBay announced that they would become two companies from next year, following a Board level strategic review. One has to wonder whether ‘strategic’ in this context should be spelt ‘panic stricken.’ Speculation is rife about why the split is to happen. Some of it involves the value of the two companies – and the feeling (probably justified) that together they are smothering value. Separated they will be worth more than if they

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  • Did Apple just win the payments game?

    on Sep 30, 14 • in Beyond Billing, NFC, Payments, Slider • with 2 Comments

    Did Apple just win the payments game?

    The short list for prizes for the most under-stated headline now includes this gem for our friends at Mobile Payments Today. It reads ‘MNOs face some uncertainty with mobile wallets.’ It should have included a cartoon of an executive having a panic attack, or being crushed by an Apple or having a panic attack because he is about to be crushed by an Apple. Once again, we see Apple biding its time, working relentlessly on doing something significantly different, and easy for the customer. Once again, Apple has shown how overpowering their market position is, and

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  • Amex bites the mobile payment hand that feeds it

    on Sep 18, 14 • in Beyond Billing, NFC, Payments, Slider • with No Comments

    Amex bites the mobile payment hand that feeds it

    At Apple’s latest product unveiling, people might have oohed and aahed over the bigger iPhone 6 screens and the Apple Watch, but the big story was undoubtedly Apple Pay. It, more than anything else announced that morning, has the potential to be a real game changer. We’ve already devoted space to Apple Pay here, here and here, with the general consensus of our own pundits and others in the industry that it will finally give mobile payments the boost it desperately needs. But it’s not without its detractors, including an executive from American Express. Josh

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  • An obsession with payments – why?

    on Sep 8, 14 • in NFC, Payments, Slider • with 1 Comment

    An obsession with payments – why?

    Payments used to be boring. You would meet a Billing Manager at a conference and he would say he looked after billing and payments and you would start talking about billing. Now, so some would say, Billing is dead (long live charging or something) and payments is where it is at. Everyone is getting into payments. Almost every day, we hear of a start up, a wallet that lets you know you have left it behind, perhaps, or that a bank has launched an app. Payments providers are investing millions, telecoms companies (old established ones)

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  • Does paying by text make paying easier?

    on Sep 4, 14 • in Beyond Billing, NFC, Payments, Slider • with No Comments

    Does paying by text make paying easier?

    For those who choose to forgo cash and credit cards for point of sale payments, there are a plethora of options to choose from today. From standalone payment apps like those offered by Starbucks (easily the most popular) to mobile payment apps or wallets from PayPal, Google, Isis, Apple’s Passbook, Square and more, there are about as many mobile payment methods as there are currencies in the world. And now Square has upped the ante by letting customers pay by text. While not a new concept (people have been paying for parking, train tickets and

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  • Has Amazon already won the mobile payments game?

    on Aug 21, 14 • in Beyond Billing, News, NFC, Payments, Slider • with No Comments

    Has Amazon already won the mobile payments game?

    Small businesses and mom and pop shops have always gotten the short end of the stick when it comes to credit card payments. Already on thin margins, they are forced by the credit card companies to fork over a percentage of each card swipe and follow a dizzying fee schedule that can easily add up to a significant amount taken out of their bottom line. Then along came e-commerce payment companies that promised to simplify credit card processing for even the smallest businesses and bring them into the digital age. Square paved the way along

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  • An interesting email about ISIS – and the future of mobile money

    on Jul 24, 14 • in Beyond Billing, NFC, Payments • with No Comments

    An interesting email about ISIS – and the future of mobile money

    You know how, in most email boxes, you can just see the title of the email and the first line of the text? Well, imagine how difficult it was for us not to grin with sheer glee when we saw an email from our friends at Mobile Payments Today. The title was ‘ISIS needs a phoenix-like reincarnation’ and then ‘if you are having trouble with this message…’ We had no trouble with the message. ISIS, the ‘innovative’ mobile wallet that was designed by a committee of vast telecom conglomerates and payment providers who are incapable

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  • Starbucks Mobile Checkout – frictionless?

    on Jul 16, 14 • in Beyond Billing, News, NFC, Payments • with No Comments

    Starbucks Mobile Checkout – frictionless?

    Jonathan Jensen recently highlighted the theme of friction in payments and the importance of focusing on the customer experience.  I couldn’t agree more with his sentiments.  I began to consider my own experience with mobile payments.  Over the past few years, I’ve tried plenty of mobile wallets, payment apps and peer-to-peer (P2P) payment solutions.  I’ve even gotten excited about a few.  But, alas, the only mobile payment app I use consistently is the Starbucks app for my daily brew.  And, I would argue I’m not alone here.   Starbucks is an industry leader in both usage

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