Archive for the ‘NFC’ Category

  • An obsession with payments – why?

    on Sep 8, 14 • in NFC, Payments, Slider • with No Comments

    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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  • NFC, TfL and some much needed TLC

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

    NFC, TfL and some much needed TLC

    As you know, NFC is a favourite topic here at BillingViews Labs. Over the years it has given us the opportunity to write poetry about it, be rude about it and, of course, when ISIS was born gave us the perfect excuse to rhyme ISIS with crisis. So when news came through that Transport for London (TfL) were toying with the idea of using NFC enabled phones to pay for transport, in London, we were quickly sharpening our keyboards. But the news was stubbornly sensible. And highlights a critical point. While we have been busy

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  • Mobile Payments – where are we?

    on Feb 24, 14 • in News, NFC, Payments • with No Comments

    Mobile Payments – where are we?

    With Mobile World Congress in Barcelona upon us, it seems opportune to review the state of play in mobile payments. Mobile payments is one of those subjects that people have been talking about for ages, however the experience for most consumers is limited to shopping via apps or mobile websites, which is little different to using your laptop, apart from the smaller screen! Where mobile payments starts to get interesting is when your mobile device becomes an enabler to a simpler, frictionless payment experience. That could be sending money to a friend with Barclays Pingit

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  • NFC – a question of where, not when?

    on Nov 18, 13 • in News, NFC, Payments • with No Comments

    NFC – a question of where, not when?

    The roll out and success of NFC – and particularly NFC as a form of mobile payment – has been thoroughly examined, not least by us. Apart from the people who are involved, NFC has been criticized and laughed at almost universally. One point that we missed is that NFC will succeed in specific markets for specific reasons. Take Canada as an example. Mark Farmer, late of Rogers and now with consultancy Airdreams, believes that “NFC will have an interim value in that the infrastructure – at least in Canada – is wide spread which

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  • NFC – a technology that solves no known problem

    on Nov 7, 13 • in Beyond Billing, News, NFC, Payments • with No Comments

    NFC – a technology that solves no known problem

    We are seriously considering having badges made that say ‘big companies cannot innovate – so don’t try.’ In fact the only thing that cannot innovate like a big company trying to innovate is a bunch of big companies trying to innovate together. Generally what happens is that instead of discussing how the new technology makes doing the shopping so much easier, the group ends up discussing standards and who’s turn it is to make the tea. When the banner ad popped up which said ‘Watch the latest from the GSMA’s NFC and Mobile Money Summit’

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  • What have NFC and connected cars got in common?

    on Oct 30, 13 • in Beyond Billing, News, NFC, Payments • with No Comments

    What have NFC and connected cars got in common?

    As if to prove Peter Cochrane’s (and our own) thesis that large companies cannot innovate, ISIS and their fixation with NFC for payments is looking more and more like a car crash in slow motion. As we have said several times before, NFC is similar to IMS in how it will evolve. Five years ago IMS was in everybody’s strategic development plan for the next two years – and nobody knew why (we asked). There were conferences and parties and webinars and the whole thing looked like a circus and fed conference organisers and trade

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