Posts tagged NFC
This years, Mobile World Congress in Barcelona, Spain February 25-28, will focus on, “The New Mobile Horizon,” showcasing the imminent ways mobile is continuing to enhance all of our lives. By the end of this year alone there will be more than 15 billion connected devices, out-numbering the world’s population. The mobile phone is re-shaping the world as we know it, and becoming ubiquitous to the way that we connect, interact and live. AIRTAG will attend this year’s MWC to connect with other industry leaders and other players in the mobile commerce eco-system to share our experience in Mobile Shopping innovations that are helping to re-invent the consumer experience of going shopping, making purchases and paying. Our demos this year are focused on continuing to streamline the user experience with the introduction of NFC technology into existing customer journeys. AIRTAG’s MWC demos for this year, will include:
GoMcDo: now live in 60+ McDonald’s France locations. GoMcDo enables users to order and pay ahead for McDonald’s products, check-in on the unattended “Easy Check In” Kiosk to pick up an order, and then skip the line. We will be demo’ing this solution with NFC check-in capabilities to show a further simplified user experience.
McDonald’s iPad ordering: A solution that helps McCafé (The coffee chain branch of McDonald’s) baristas take customer orders by iPad directly at the table.
AIRPASS: AIRTAG’s comprehensive customized white label mobile wallet solution, enabling retailers, financial institutions and MNO’s to deliver self branded mobile wallets with NFC payment capabilities. AIRPASS will be demo’d at MWC with the inclusion of mobile commerce features: McDonald’s fast ordering and Loyalty program integration.
AIRSHOP Loyalty: An innovative Loyalty solution for processing Mobile & NFC Loyalty cards directly at the POS giving shoppers ‘real-time’ access to rewards balance updates. Shoppers have the ability to choose when and where to burn their rewards in ‘real-time’.
We hope to see you at the MWC 2013! If you are interested in meeting us on the road, contact us here to make arrangements prior to the show.
Lear more about the Mobile World Congress.
“The brightest star in the retail sky this year was mobile commerce,” said Mickey Alam Khan, editor in chief of Mobile Commerce Daily and Mobile Marketer, New York. This holiday season has proved more than ever that Mobile Commerce is here to stay. Although NFC has not experienced the same boom yet, we at AIRTAG know that NFC is the direction in which we are moving. Yet, it may be even 5 years or more before, “NFC accounts for the majority of payments.” (Jérémie Leroyer on Mobile N Apps) AIRTAG’s CEO, Jérémie Leroyer had a recent opportunity to share the AIRTAG perspective on NFC with Heather Lockenson of Mashable on Whether or not it is worth it to build an NFC app right now. “NFC is really, so far the only technology available on Smartphones that can secure a transaction,” said Jérémie Leroyer to Mashable. “NFC will become the main technology to perform transactions in the future.” Read the full article on Mashable More >
Everyone at AIRTAG has been very excited about the launch of the AIRTAG Kit. Today, we are reminding everyone of this unique set of tools, with the official launch of the AIRTAG Kit in France. The AIRTAG Kit is a fastand easy way to develop a MasterCard PayPass Wallet Application using MasterCard’s recently released Mobile User Interface Software Development Kit (MMPP UI SDK) now available free for download via the MasterCard Developer Zone. The AIRTAG Kit contains the necessary hardware, tools and support to successfully complete your PayPass Wallet App development. It’s cost effective, easy to use and simplifies the MasterCard certification process.
What’s in the Kit? The Kit includes, the latest generation NFC Samsung Galaxy S3 with 3 pre-installed white label apps including a wallet, a USB Contactless Card Reader, 5 UICC samples, 2 demo tags, and a 1 year membership to the Developer Program. The Developer Program provides the ability to ask our own AIRTAG developers additional questions, support for issues you may have with the UI SDK or the AIRTAG Kit, additional resources; user guides for the MMPP UI SDK and the AIRTAG Kit, tutorials, manuals, payment scheme support and support for additional Smartphone platforms as they become available. These resources provided in the Developer Program are used by our own AIRTAG developers to build mobile payment & wallet apps. Where else would you be able to get ongoing support from a group of NFC Mobile Payment experts at such a low cost? More >
A recent statement that caught the AIRTAG teams attention was MasterCard’s announcement last week of a new partnership with ING to offer online payments as part of the PayPass based platform in the Netherlands. PayPass more than a service but a platform, includes an online payment system, branded services and an API giving developers a tool to integrate PayPass into many different systems. MasterCard’s and ING’s PayPass online payments will offer shoppers enhanced security, the ability to apply coupons and vouchers to their purchases and receive digital receipts. According to a new study by AOL and BBDO 40% of purchases from Smartphone devices occur from home, the couch or anywhere else. Now MasterCard will offer those shoppers an even easier way to pay from anywhere. With PayPass online payments, there are two possible Customer Journeys;
Customer Journey #1: Merchandise selected, Payment method selected, Shipping details are entered and Pin is entered (The phone will supply EMV compliant cryptogram to communicate directly with the retailers payment terminal)
Customer Journey # 2: Shopping is started on a tablet, Products selected, Billing information entered, QR Code is sent. The user would then tap their Smartphone on the tablet to make the payment, connecting the PayPass app directly with the merchants shopping cart
This new pilot is part of MasterCard’s initiative to offer “converged payments experiences, in-store, online or a mobile device.” (MasterCard Press Release) With the approach of the holidays consumers now more than ever are mobile shopping and showrooming for convenience and to maximize savings. It’s great to see MasterCard proactively responding to consumer behavior changes by offering easier ways to pay when Mobile Shopping both in-store or anywhere else.
AIRTAG is very excited to have announced yesterday, the launch of the AIRTAG Kit; a set of smart tools designed to make the deployment of NFC Mobile Payment applications easier and more accessible than ever. We have been working together with MasterCard for more than a year with a goal of providing something truly relevant and useful in today’s Mobile Payment marketplace. The AIRTAG Kit, is meant to be used alongside MasterCard’s recently released Mobile User Interface Software Development Kit (MMPP UI SDK), and together they are the best way to develop your Mobile PayPass™ app.
What exactly is in the AIRTAG Kit?
The Kit includes, the latest generation NFC Samsung Galaxy S3 with 3 pre-installed white label apps including a wallet, a USB Contactless Card Reader, 5 UICC samples, 2 demo tags, and a 1 year membership to the Developer Program.
Tell me more about the Developer Program?
First, let’s take a minute to introduce the AIRTAG team. The technical geniuses behind the operations at AIRTAG HQ includes 50+ experts in NFC, mobile app development, mobile marketing and mobile engineering. They develop Mobile applications, online platforms and NFC in-store readers and devices for brands like McDonald’s, MasterCard, Carrefour, Reebok, Dior, Casino, G20, Orange, NRJ Mobile and many others. A team with more than 6 years of experience. They are as expert in the field as it gets.
Through the Developer Program included in the AIRTAG Kit, you will have the ability to ask our own AIRTAG developers your additional questions in the AIRTAG Kit forum and get support for issues you may have with the UI SDK or the AIRTAG Kit. The Developer Program also provides additional resources; user guides for the MMPP UI SDK and the AIRTAG Kit, tutorials, manuals, payment scheme support and support for additional Smartphone platforms as they become available. These resources provided in the Developer Program are used by our own AIRTAG developers to build mobile payment apps. Where else would you be able to get ongoing support from a group of NFC Mobile Payment experts at such a low cost?
AIRTAG’s CEO and Co-founder Jérémie Leroyer had a few words to share with Venture Beat’s journalist John Koetsier, on the AIRTAG Kit and our ongoing partnership with MasterCard. “The Airtag kit is the second part of our partnership with MasterCard, and contains all of the hardware and software needed to build and test PayPass apps, including resources for the developer community.”
Learn more about MasterCard’s Mobile UI SDK
The Mobile is undoubtedly becoming the preferred method for purchasing. In fact, almost half of the US population shopped by Mobile Phone in June. And according to Juniper research that number is set to only increase by about 50% in the next two years. An expected 580 million people will be shopping by Mobile phone by 2014 with mobile transactions are expected to total more than 730 billion by 2017; a 25% yearly increase from now until then.
These type of facts are proof that we are seeing a revolution in the way that people find, order and pay for products & services. As we witness the shift to the era of the Mobile Shopper, more companies are securing their mobile first strategy. Zipcar CEO Scott Griffith inspires us with his comment at this year’s Mobilecon about the changes in consumer behavior the company has seen in the last eighteen months from, internet to mainly mobile use.
“Consumers want mobile applications, they want social media as part of their experience,” something the company has been tapping into for the last year.
Griffith is focused on the capability the mobile has, which a computer simply does not, “the ability to reach customers whenever and wherever.” That possibility alone has led the company to plan on intensely moving towards a fully Mobile Zipcar experience. Zipcar future innovations will move beyond just the ability to reserve, and use the mobile to unlock and start a Zipcar, to a completely enhanced in-car driving experience. The Mobile device will become an ‘in car assistant’ to help navigate, plan an itinerary, build an iTunes playlist and provide information about the car.
Griffith’s insights feed into the AIRTAG vision of “Mobile possibilities,” a possibility which is backed by concrete facts of the steady inclination of Mobile Shoppers. The last months at AIRTAG have seen our innovations direct much of a focus on the idea of the “anytime and anywhere,” user experience. Our Mobile solutions, for partners like McDonald’s and Carrefour have been about disrupting the traditional shopping experience so users are able to do everyday things, at their own discretion, from when and where they want.
Obviously penetration in the retail environment is a longer process then let’s say for a platform like Zipcar; which has only ever entailed online use. But, it is clear that more people are Shopping by Mobile because it proves to be quite simply; easier and better. Between now and 2014, we at AIRTAG look forward to continually bringing new innovations to our solutions and exploring all of the possible in Mobile Shopping.
Learn more about AIRTAG’s Mobile Shopping Solutions
“Consumers will happily make NFC mobile payments if the opportunity arises.” (NFC Payments Report, 2012)
The NFC Payments Report 2012, gives some interesting perspective insight leading up to the predictions for mobile payments in 2012. After interviews and surveys with more than 3,000 consumers and 500+ industry experts and executives, conclusively 2012 should be the “tipping point” for NFC mobile payments. However, the anticipated growth can only become a reality with a fair amount of pull-together from all players in the equation because a few essential pieces are still missing.
According to the report; 2/3 of consumers interviewed from both the US and UK, would not hesitate to make an NFC payment, if the service was readily available. Getting additional consumers on board; according to the experts, is constitutive of all parties (including retailers) relaying information strongly emphasizing the wider benefits of mobile payments.
At this point the industry experts are already convinced. Executives believe that mobile payments will be a strong source of revenue and that mobile payments will be able to deliver more effective up and cross selling.
According to the report, the seemingly most difficult aspect of mobile payment adoption is the convincing of retailers. Building customer enthusiasm is more a standard marketing procedure whereas retailers want to see tangible benefits and results e.g. investment return.
Although retailer “partnerships are still not cemented,” they are absolutely necessary for wider success. This may well be dependent on four factors;
- Cost of the required POS technology
- Visible Investment return
- The cost of participating in the “wallet”
- Intermediary charges
In proximity shops where paying as quickly as possible with an NFC device would be most visibly convenient; newspaper stands, fast-food restaurants, grocery stores and coffee shops; independent retailers will likely be more hesitant to adopt a service that may lower profit margins. A detail that still needs to be given considerable thought is the intermediary fees in those situations.
Although early 2012, has already seen a lot of traction from leading retail brands in their uptake of mobile payment strategy as well as the implementation of NFC capable cash software; further adoption by large scale retailers and retail chains experts argue, is still an important factor that will continue to push the whole industry forward.
Read more about the NFC Payment Report 2012
Expected rise in Mobile Shopping; User Friendliness and Consumer Insight should be at the top of the list
“John Donahoe, president/CEO of eBay said that eBay and PayPal’s expected $10 billion in volume transactions this year will be more than double what the companies saw last year. The results are proof that that there is a staggering surge in mobile shopping and payments, which did not exist years ago.” Although the eBay PayPal predictions were re-worked a number of times in the last quarter, the high number expectations further emphasize the drastic shift to Mobile Shopping to be seen in the coming year.
If the number of mobile shoppers is set to double as eBay predicts evidently this should lead to more people shopping exclusively with their mobile phone, naturally NFC payment should follow closely behind? We’d like to think so.
The company’s insightful strategy has already incorporated thought into the often dreaded part of paying by mobile phone; the tedious entering of credit card details. PayPal announcing two days ago they have acquired the start-up Card.io. Card.io specializes in credit card picture scanning; at just 15 cents a scan PayPal users will have the option of taking a picture of their card and license as supplement for entering credit card detail.
The consciousness of consumer opinion and user experience re-enforces the importance that Mobile Shopping and Payment remain effortless for users; with distinct & visible benefits, to lead to change in purchasing behavior.
On another note, as the shift to Mobile Shopping picks up traction it is important to look at leveraging the possibilities, instead of exploiting them. Recently published on Marketing Week by Michael Barnett an article highlighted exactly what Mobile Shopping should not be; license to spam customers with unwanted information. Barnett used the example of an unappreciated marketing campaign received from an Airline provider; pushing notifications asking participation in a government lobbying campaign.
Mobile Shopping may “provide valuable marketing data, but that value is unlikely to be realized if the business can’t use the program to engage emotionally with customers.” (Michael Barnett for Marketing Weekly)
The opportunity with data produced by Mobile Shopping, should lead to customer insight and a means of better relationships with shoppers by offering relevant rewards, couponing and marketing campaigns.
Source: MODO News
“The future for NFC (Near Field Communication) looks very bright. Analysts have predicted that by 2015, one in two mobile phones will be NFC-enabled and that NFC will facilitate transactions worth $74 billion.” (Chung, MoDo News)
Yet, a question that still seems to be cycling around the NFC grid is all of the possible reasons why NFC success is being held back. The possible reasoning for road blocks seems to be somewhat circular; phones are not equipped with NFC technology, retailers are not equipped with NFC ready POS equipment and the question remains of how consumers really feel about the service.
Yet, in the last few weeks more mobile operators have announced NFC ready devices and plans for Wallet systems. Just a few days ago Microsoft announcing their Window’s 8 Phone to be equipped with NFC technology, along with the Microsoft Wallet as part of a strategy for outstanding the competition.
While we anxiously await a wider spread deployment of NFC ready retailers and devices, it is interesting to consider how those in the mobile payments industry can influence and encourage consumer support of the technology. Hwan Chung, CEO at Danal Europe has some interesting thoughts.
Acknowledging that most people do not have handsets capable of contactless payments, and that the stores that accept NFC payments are few and far between, Chung positively comments that there are some operators that are starting to make notable leaps advancing the industry as a whole.
“We’re starting to see mobile operators like O2 in the UK, and Rogers Communications in Canada, announce plans to enable NFC payments. This is backed up by payment providers like Visa and PayPal, who are also getting in on the act.” (Chung)
Chung emphasizes that whilst this is great, it is important that consumer flexibility be strongly considered because customers will want to take the reins in terms of deciding how they pay for purchases.
“Little has been done to provide customers with the flexibility that they want to make payments – and that’s the main issue holding back the industry, not concerns about security or service availability.” (Chung)
Within the mobile payment industry it is important that there is a certain level of understanding that consumers do not want to be ordered to do things a certain way and the early stages of the mobile payment industry should focus more on offering new purchasing channels (with encouragement to try them of course) and then letting the consumer decide.
“If operators and payment providers continue to dictate how mobile payments are made, NFC will remain on the starting blocks.” (Chung)
Read more from MoDo News
Read more about the Microsoft Windows 8 Phone
Last month PayPal unveiled its PayPal Payment solution which allows retailers to provide online and offline payments with a PayPal compatible POS system. Among the brands that will feature this service are: Abercrombie & Fitch, Advance Auto Parts, Aéropostale, American Eagle Outfitters, Barnes & Noble, Foot Locker, Guitar Center, Jamba Juice, JC Penney, Jos. A. Bank Clothiers, Nine West, Office Depot, Rooms To Go, Tiger Direct and Toys “R” Us. The large variety of brands adopting this technology emphasizes that in-store solutions are for retailers of all products and sizes.
PayPal’s solution ensures retailers do not need to install any complicated equipment, instead because PayPal has signed contracts with POS manufacturers Ingenico and more recently a contract signed with both VeriFone and Equinox, “the number one and number three point-of-sale terminal manufacturers in the world,” (David Marcus, President of PayPal writes on the company blog) ensures the technology is already integrated by the POS manufacturer.
PayPal emphasizes the need for retailers to engage with their customers at every point in the journey, or risk becoming irrelevant. The features of PayPal’s solution are that it provides customers with a better shopping experience, extends loyalty programs and allows retailers to engage and connect with clients on multiple channels.
“PayPal’s offline solutions are much more than just a way to pay. We’re helping merchants connect with consumers at every stage in the shopping cycle. Before they come into the store, while they’re in the store, or even after they’ve left. We’re able to drive consumers through a retailer’s doors with relevant offers, coupons and discounts, then maintain a relationship with that consumer that keeps bringing them back to the retailer, in store or online.” (David Marcus, PayPal Blog)
Read more about the features of the PayPal offline/POS solution
Read more about Mobile Shopping Solutions