The mobile payments have always been the eternal promise, the potential is huge. In Spain there have already been several attempts to introduce this new form to make payments with Mobipay to the head. However, despite the fact that behind these projects have been major figures in the sector "digital" as D. Julián Inza , this technology has not as it should just penetrate the market. In the case of Spain, I have my opinions, where one of them is still delaying in "technological issues." many other factors, but again, this is a subject for debate for very long ...
As regards other markets, we use, failures and successes of a variety of forms, going from very advanced to the Japan market tremendous potential and mobile usage in Africa and countries with less infraestrucura offline bank.
With this post I will just comment on the battle that exists today between Gadgets, the NFC and Apps for be the dominating technology of the mobile payment sector . In this battle there are many actors where everyone wants their cake, and where we see how they fight, from banks, telecoms providers, payment (Paypal, etc), software companies (Intuit, etc.) to giants like Apple or Google among others.
* That said, we'll start talking about the "Gadgets" :
Intuit recently created Mophie iPhone accessory called " Complete Solution Credit Card " . Mophie, which specializes in things like battery extenders and chargers, has created the hardware, one for credit card reader that attaches to the iPhone, while Intuit has developed the software to pay (Go Payment App) already operating in the iPhone 3G.
On the other hand we have the case of the company Square, where its CEO (and founder Jack Dorsey of Twitter), offers another card acceptance system "via gadget" designed for use in smartphones. Finally comment
another major rival of "gadget sector, which is none other than the agreement between Verifone giants Paypal, which will not be too sure glad Mr. Jack Dorsey who is watching his draft Square did not just take off mainly because of problems in risk management issues / repudiation), and variants.
Each of the above mentioned have similar features, but from the commercial point of view there are many differences, from pricing, commissions, or stays with a particular mobile operator: Battle gadget is served.
* Now we will talk about technology NFC (Near Field Communication) , another large sector of M-Commerce:
Company Bling Nation has partnered with Paypal to boost their "Bling label," an NFC tag that sticks to the back of any mobile phone. NFC technology is a short-range high frequency wireless communication that allows the exchange of data between devices. In this case, the label of Bling replaces a credit card and use it, just tap the phone on the merchant "bling." Bling Nation payments are linked to your account at a financial institution, and now, optionally with PayPal. The money is immediately debited to associate at the time of purchase.
Unfortunately, Bling tags only available from financial institutions that support this technology as well as those merchants who accept their business.
On the other hand, commenting that it seems that Apple will introduce serial NFC technology in its next iPhone. Have hired to do one of the gurus of the NFC, Benjamin Vigier, and safer than Steve Jobs will have to speak in this respect, as they do with everything they do.
Visa is starting trials of its contactless payment technology, payWave, integrated into a protective case for iPhone special, developed in collaboration with DeviceFidelity . Mastercard, on the part is also doing the same with its PayPass system . The battle is served ...
* Finally, we refer to Payments Apps , another great actor in this campaign:
The apps are in, and last year we saw several m-commerce solutions, Boku including , Zong , Obopay (purchased by Nokia) , MoneySend MasterCard, etc. We
other giants like Amazon Google and are also doing things in this "scene." Amazon with its Mobile Payment Service offers a well designed and integrated into any merchant to adhere to it.
Google for its part, provides an integrated solution to its Chrome browser where users of Google Checkout enjoy a safe and convenient way to pay. The problem is that it only works for Google Checkout in principle, thus severely limits the potential of this app built-in browser.
Finally, we return to Paypal, a giant growing bigger, we see that is present in the payment apps, besides being in NFC and Gadgets ...
Possible problems:
several questions arise when it comes to see what are major problems in each of these technologies in mobile payments, ranging from its usability costs, to the topic that really cares, which is none other than the security .
The issue of possible bank failures and unauthorized use , are of great importance, since today there's no sound legislation in this area, as opposed to whether there is on issues of card payments debit / credit cards, where if there is protection from misuse or unauthorized use of them. The same applies to cash transactions are automatically deducted from a bank account.
Consumers 'have nots' because find out what protections apply to every company that offers other payment solutions. The key is to bring all this tendency to use a fair legislative framework for the end user. Unfortunately, there are many interests involved, like almost everything and as usual, where "large" push to impose trends and further develop technologies and solutions can not always be followed from the legislative standpoint and adaptive use. Everything becomes obsolete too quickly and my opinion is that progress and innovation are key, but not the cost of a possible consumer ... are checked to make sense of innovation, but also of responsibility, but that sometimes does not matter ...
Who will win the battle?:
Each market has its own characteristics , since not all users in this world "global" are the same needs and habits when it comes to do something. addition, each market has a few quirks economic, political and very different development. That said, we can say that for example, the NFC has been a success in other parts of Europe and Asia. In Africa, where access to traditional banking is quite complicated, mobile payments has been widely deployed, especially through application "SMS."
still too early to know who will win, but what is clear is that it is a matter of imposing the brand or technology over another. And that like most things, depends on the degree of trust and reputation you acquire a company or another, so that successful marketing in this sense is key.
That said, we like Paypal, with a strong brand and a huge mass of customers, has won much, but everything will come ... I vote for a future of key and strategic alliances within the area of \u200b\u200bmeans of payment the rest of the many players in the ecommerce ...
is a question of branding and key partnerships, but should take great care where the product operation in a market, because although we are a world "global" there is still room for some ideas and business models that can secure give much to talk ...
Conclusion:
The M-Commerce has great potential, where in the field of payment methods, we see great ideas and opportunities, but be seen as legislation in this regard for its potential, is implemented in a fair and safe .
On the other hand, we see once again as means of payment, but overall risk management and safety of themselves, are to my knowledge one of the key pillars for the final launch of trade in general and electronic commerce in particular.
Related Posts:
innovation in payment methods and the sharing of cake 20/10/2010
means of payment as a key strategy in social networks and ecommerce in general 20/09/2010
Future of payments 7.11 / / 2008
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