Mobility & Financial Services
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Mobility & Financial Services
Mobile financial services news and trends
Curated by Katia Hilal
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Facing the inevitable: Mobile and the ATM

Facing the inevitable: Mobile and the ATM | Mobility & Financial Services | Scoop.it

Tom Harper, publisher of ATM Marketplace and Mobile Payments Today, discusses what happens when a ubiquitous technology meets a disruptive upstart.

In the case of the convergence of ATMs and mobile devices, Harper is firmly on the side of those who believe the future lies with a combination of the technologies. He's closely watched the emergence of the technology since first hearing about it some years ago.

Katia Hilal's insight:

One other evidence of the convergence between mobile and financial services. Here the mobile interacts with the ATM as the authentication device to access the financial services for the banked. In other geographies, the ATM becomes the access point for cash-in, cash-out, money transfer or bill payment out of a mobile money account for the unbanked.

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CGAP - A New Wave of E-Money in Latin America

CGAP - A New Wave of E-Money in Latin America | Mobility & Financial Services | Scoop.it
In Latin America, the banking sector is highly rooted in the economy, and to think about non-bank issued electronic money is almost heretic. But things are changing.
Katia Hilal's insight:

New regulatory frameworks are emerging to allow financial inclusion by making mobile money accessible to the non banks, not only telcos are concerned but payment aggregators and agent network managers are jumping on this opportunity to monetize the value of their significant footprint and cash management infrastructure.

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A History Lesson for Advancing Interoperability in Mobile Money

A History Lesson for Advancing Interoperability in Mobile Money | Mobility & Financial Services | Scoop.it
What can we learn from the past in markets like the United States and Japan that can help advance interoperability between financial service providers?
Katia Hilal's insight:

Lessons about how interoperability can boost the take off of B2C and C2C services are numerous. The report discusses some in the banking and payment industries but roaming and SMS interoperability are also examples of tremendous boosters for mobile services.

It is evident to anyone that this will be future. So how long will the dominant mobile money players keep their garden's fences?

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Google Wallet kills plans for a plastic card

Google Wallet kills plans for a plastic card | Mobility & Financial Services | Scoop.it
Following the departure of its chief, Google Wallet drops plans to introduce a branded card.
Katia Hilal's insight:

The plastic card became part of the Google Wallet strategy last year when the product moved away from a strictly NFC-based wallet to a more cloud-based approach

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4 technologies sélectionnées sur le salon Shop Innovation

4 technologies sélectionnées sur le salon Shop Innovation | Mobility & Financial Services | Scoop.it
Sélection de quatre innovations sur le salon Shop Innovation

Via pascale bonnard
Katia Hilal's insight:

Self scanning de code bar en magazin, messages promotionnels basés sur la géolocalisation des clients, tag NFC pour offres promotionnelles, réseaux sociaux de clients. On voit l'émergence de l'expérience shopping de demain.

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Is mobile money becoming a commonplace rather than a differentiator? | Mobile for Development

Is mobile money becoming a commonplace rather than a differentiator? | Mobile for Development | Mobility & Financial Services | Scoop.it

Via L Girard
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NFC : Cityzi passe la barre des 2,5 millions de Français équipés. Mais quid de l'utilisation ?

NFC : Cityzi passe la barre des 2,5 millions de Français équipés. Mais quid de l'utilisation ? | Mobility & Financial Services | Scoop.it
L'appétence pour les services sans contact se double d'abord et surtout d'un catalogue de terminaux compatibles de plus en plus large. Sur la vraie consommation de la technologie, le mystère reste entier.
Katia Hilal's insight:

Bon chiffres pour les téléphones compatibles Cityzi mais silence radio sur l'usage.

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Retailers expected to invest $55B annually in mobile by 2015: study

Retailers expected to invest $55B annually in mobile by 2015: study | Mobility & Financial Services | Scoop.it

Retailers will significantly bump up their mobile marketing spend over the next three years thanks in large part to coupons and advertising, according to a new study from Juniper Research.

In Juniper’s “Retail mCommerce: Mobile & Tablet Marketing, Advertising & Coupon Strategies 2013-2017” report, the research house looks at how retailers will ramp up their mobile initiatives to drive in-store traffic and online sales over the next few years. In addition to traditional commerce-driving methods, the report also points to the growth in augmented reality and near-field communications as sales drivers.


Via Nicolas Prigent, pascale bonnard
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Fabienne PUEL's curator insight, January 27, 2013 3:44 PM

Les distributeurs ont nefin compris l'attrait du mobile?

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Orange launches mobile money service in Uganda - PaymentEye

Orange launches mobile money service in Uganda - PaymentEye | Mobility & Financial Services | Scoop.it

Orange telecom has launched its mobile money wallet service. Orange money will be in partnership with Pride microfinance and Post bank to broaden the financial service to its customers. Orange Uganda CEO Philippe Luxcey believes that Orange Money will build on its successes in other African countries.

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Nigeria will not license operators for Mobile Money

Nigeria will not license operators for Mobile Money | Mobility & Financial Services | Scoop.it

Tunde Lemo, deputy governor, Operations, at the Central Bank of Nigeria (CBN) has pooh-poohed what appeared to be the global model for mobile money payment system, the Kenya Mpesa stating that it has only helped in creating a monopolistic bohemia. Lemo said in view of the Kenyan experience, Nigeria would not licence mobile operators in the country despite public demand for the telcos to be so licenced.

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David Marcus (Paypal) : "L'avenir n'est pas au NFC mais au paiement mains libres"

David Marcus (Paypal) : "L'avenir n'est pas au NFC mais au paiement mains libres" | Mobility & Financial Services | Scoop.it
Services de crédit, cartes de paiement physiques, facturation opérateur, achat en magasin, NFC... Que peut apporter Paypal pour améliorer l'expérience de paiement ? Son patron fait le tri.

Via Nicolas Prigent, pascale bonnard
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PayPal launches pre-paid cash card - PaymentEye

PayPal launches pre-paid cash card - PaymentEye | Mobility & Financial Services | Scoop.it

PayPal has announced the launch of its 'pre-paid cash card' that consumers can buy in-store and use to top up their accounts for online purchases. The PayPal My Cash Card has been developed with pre-paid specialist InComm for Americans who don't have bank accounts or cards, or do not want to use them online.

Katia Hilal's insight:

This is a major step for PayPal to reach the unbanked which will enable them to move to emerging markets where this population represents the majority of consumers.

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Ugandans Design Mobile Money Smart Card

Ugandans Design Mobile Money Smart Card | Mobility & Financial Services | Scoop.it

All the customer needs is to be registered for mobile money with any network in Uganda. Then the customer must have the Imara card and money on their phone. Such a customer can pay for goods and services using this card at any of the Imara Points of Sales (PoS).

The card will prompt a pop-up on your phone and ask you to confirm payment. Then you type in your Personal Identification Number (Pin) of mobile money on your phone and money for the good is automatically taken off.

"That's it; your transaction is done there and then," says Jogoo.

Katia Hilal's insight:

A first step before closed loop mobile money implementations go open loop, and connect with the global EMV schemes.

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Why does Kenya lead the world in mobile money?

Why does Kenya lead the world in mobile money? | Mobility & Financial Services | Scoop.it
PAYING for a taxi ride using your mobile phone is easier in Nairobi than it is in New York, thanks to Kenya’s world-leading mobile-money system, M-PESA. Launched...
Katia Hilal's insight:

Some argue that bringing free money into the regulated economy might hinder the entrepreneurial spirit, these need to check-out the following statement:  "One study found that in rural Kenyan households that adopted M-PESA, incomes increased by 5-30%. In addition, the availability of a reliable mobile-payments platform has spawned a host of start-ups in Nairobi, whose business models build on M-PESA’s foundations. ," 

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MasterCard Prepares to Offer PayPass on Embedded Chips in Samsung NFC Phones | NFC Times – Near Field Communication and all contactless technology.

MasterCard Prepares to Offer PayPass on Embedded Chips in Samsung NFC Phones | NFC Times – Near Field Communication and all contactless technology. | Mobility & Financial Services | Scoop.it

MasterCard Worldwide is the latest payment scheme to work with Samsung Electronics, with plans to soon offer its PayPass application for embedded chips in new Samsung NFC phones, NFC Times has learned.

Katia Hilal's insight:

MasterCard's answer to the partnership announced earlier between Visa and Samsung.

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MasterPass digital wallet launches in Canada - PaymentEye

MasterPass digital wallet launches in Canada - PaymentEye | Mobility & Financial Services | Scoop.it

As of launch, merchants including Porter Airlines, WagJag, Jaunt.ca and Grocery Gateway have enabled MasterPass checkout services on their eCommerce websites.  MasterCard plans to expand the number of MasterPass enabled merchants in Canada to 800 merchants by the end of 2013 and 2,800 merchants by the end of 2014. When making purchases through these companies’ eCommerce websites, MasterPass digital services will allow Canadian consumers to securely and complete their transaction, eliminating the burden of filling out card and shipping information repeatedly. 

Katia Hilal's insight:

One of the first deployments of MasterPass and certainly will be a very interesting lab to see how the service will pick-up.

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Barclaycard announces wheels firmly in motion on contactless bus payments

Barclaycard announces wheels firmly in motion on contactless bus payments | Mobility & Financial Services | Scoop.it
Barclaycard has announced over 700,000 people have tapped to travel across London on TfL buses since the launch of contactless payments, with the figure expected to rise to 25 million during 2013.
Katia Hilal's insight:

A reassuring statistic about the growth of use of contactless payment. Will the contactless card payment supercede the phone-based NFC experience? Do people trust card issuers more than their telco or handset brand?

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Passbook : le m-commerce intelligent

Passbook : le m-commerce intelligent | Mobility & Financial Services | Scoop.it

En France, Mc Donald's a été l'une des premières marques à utiliser Passbook. Un évènement, puisque la chaîne de fast food a annoncé 700 000 téléchargements, une hausse de 44% des commandes, depuis iOS, la semaine du lancement, et 1,4 million de visiteurs sur l'appli GoMcDo compatible avec Passbook ! 40% des utilisateurs de l'appli se serviraient de la fonction Passbook qui leur permet de recevoir dans leur mobile puis de présenter leur bon de commande dématérialisé dans leur restaurant Mc Donald's. Pourtant en France, ce nouveau service d'Apple ne séduit pas massivement, ni les annonceurs, ni les consommateurs. 


Via Nicolas Prigent, jmmegnin le furet, Benjamin Di Crescenzo
Katia Hilal's insight:

Les quelques freins à l'utilisation de passbook sont en pass d'être résolus.

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Pascale Couderc's curator insight, February 22, 2013 6:52 AM
"L'un des freins à l'adoption de Passbook peut être d'ordre technique. Conçu par et pour les Américains, cette appli ne propose que des codes 2D, (et non 1D ou simple codes-barres linéaires), difficilement lisibles par les caisses dans les magasins français, pas toujours équipés"
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Paiement sans contact et commerce : pourquoi tant de haine.... FC ?

Paiement sans contact et commerce : pourquoi tant de haine.... FC ? | Mobility & Financial Services | Scoop.it

Pas une semaine sans que David Marcus, le CEO de  Paypal, »NFC Not The Answer for Retailers, Says PayPal ou d’autres acteurs du paiement en ligne comme Buyster « Les marchands n’ont pour l’instant pas les moyens de s’équiper en NFC » ne critiquent la technologie NFC, dans une interview ou une conférence, ce week-end encore dans le blog des Echos par la directrice générale de Paypal France. Sans redévelopper les problématiques « commerce et paiement mobile » publiées récemment dans ce blog dans un article précédent en deux parties (une et deux) , rappelons la raison principale de ce « NFC Bashing » généralisé de la part des acteurs du paiement « online ».

 

 


Via Nicolas Prigent, pascale bonnard
Katia Hilal's insight:

NFC bashing par PayPal

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Ingenico Agrees To Acquire European Online Payment Services Provider, Ogone, For €360M To Build Out Multi-Channel Payments Strategy | TechCrunch

Ingenico Agrees To Acquire European Online Payment Services Provider, Ogone, For €360M To Build Out Multi-Channel Payments Strategy | TechCrunch | Mobility & Financial Services | Scoop.it
Ingenico, a global payment provider, is to acquire Brussels-based, pan-European online merchant payment services provider Ogone for €360 million.
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La guerre du paiement par téléphone mobile

La guerre du paiement par téléphone mobile | Mobility & Financial Services | Scoop.it
Qui remportera la bataille du paiement par téléphone mobile dans les magasins ? Google, avec son portefeuille électronique virtuel Google Wallet, eBay avec son système de paiement PayPal, les opérateurs téléphoniques comme le consortium Isis (AT & T, T-Mobile USA, Verizon Wireless...), les banques ou les acteurs de la grande distribution ?
Katia Hilal's insight:

Un résumé de l'état du marché du paiement mobile aux Etats Unis, des différents acteurs et enjeux pour gagner les grandes enseignes du commerce de détail.

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Google lance Zavers, un outil d'e-coupons pour les magasins

Google lance Zavers, un outil d'e-coupons pour les magasins | Mobility & Financial Services | Scoop.it
Le consommateur qui sauve sur son compte les coupons proposés sur Internet peut les utiliser en boutique en tapant son numéro de mobile lorsqu'il arrive en caisse.
Katia Hilal's insight:

Après le PassBook d'Apple, Google s'attaque au marché du couponing, un préambule avant le mobile payment via google wallet.

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Visa’s m-payments operations being stifled by India’s mobile operators :: Visa’s m-payments operations being stifled by India’s mobile operators - PaymentEye

Visa’s m-payments operations being stifled by India’s mobile operators :: Visa’s m-payments operations being stifled by India’s mobile operators - PaymentEye | Mobility & Financial Services | Scoop.it

Electronic payment enabler Visa has claimed that its mobile payments service has been stifled by telecom operators in India that have refused to offer USSD access, a secure text message-based interactive system that the company wants to use as the backbone for its mobile banking services.

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Kenya's latest mobile money innovation booms - PaymentEye

Kenya's latest mobile money innovation booms - PaymentEye | Mobility & Financial Services | Scoop.it

Transactions on Kenya's latest mobile banking innovation, M-Shwari, crossed the Sh1 billion (USD11.6m) mark at the close of last year in an overwhelming uptake that could force the country's banks back to the drawing board.

Katia Hilal's insight:

This is a great example of Mobile Money 2.0 features which will embrace wider financial services such as loans, savings, micro insurance etc. Kenya has always been the best labs for these innovative services.

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