Archive for the 'Payment' Category

Mobile Commerce Transactions, NFC and mTicketing

Wednesday, December 3rd, 2014

Juniper has new research that says that Mobile Commerce Transactions will Approach 200bn By 2019. If you want to be part of this, Juniper say that NFC and mTicketing are likely to be the top growth areas.
However, if you get involved with NFC and ticketing then make sure it’s secure. As Trend Micro recently demonstrated, […]

Apple Pay Limitations

Friday, October 10th, 2014

There’s an interesting article on USA Today Money quoting a UBS report explaining problems with Apple Pay that will limit its dominance…

Onerous fees charged by Apple
Inferior technology
Little incentive for merchants to adopt Apple Pay-compatible devices

More reasons then, why Apple should open up NFC before interested parties develop alternative solutions.
Looking wider, this provides learnings for […]

The Future of Apple Pay and NFC

Monday, September 15th, 2014

I have been analysing Apple Pay to determine if it’s likely to accelerate mobile payment in general and the use of NFC. FirstPartner have an explanation how Apple Pay Works and Penrillian explain how the market isn’t open yet.
The initial implementation is US only, supports only 1.5% of US merchants, relies on the unpopular […]

Mobile Path to Purchase

Wednesday, November 27th, 2013

If you have a physical product to sell and you want to sell it via mobile, what should you do? Should you use conventional AdWords advertising, create a mobile accessible web store or an app? In what ways do consumers search/research products and in what ways are they completing the purchase?
Google Think Insights has some […]

The Impact of Price on Revenue

Thursday, January 31st, 2013

At some stage most developers offering paid apps ask themselves if they might make more money by lowering (or sometimes increasing) the price of their app. Distimo has done some interesting analysis on the impact of price drops on the iPad and iPhone app stores.
The conclusion is that price drops positively affect revenue…

My own not-so-scientific […]

Mobile Payments, Security and Convenience

Monday, December 10th, 2012

If you are thinking of selling physical goods from within an app then you should take a look at SurveyMonkey’s latest survey of over 600 mobile phone users.
The main conclusions are that mobile still suffers from end-user security concerns, Paypal is the most well-known payment solution and people re using mobile payments mainly for convenience.
I […]

How Many Apps?

Monday, November 19th, 2012

There’s sometimes a question as to how many apps an organisation/company should produce. Should you bundle all required functionality into one app or produce separate apps?
The overriding consideration is obviously cost. It costs a lot more to produce, test, support and distribute multiple apps rather than have everything on one app. So what considerations might […]

Mobile and 2 Factor Authentication

Friday, September 21st, 2012

If you are offering an app that needs stronger login methods then you should take a look at 2 factor authentication. In summary, you force users to login using their usual username/password and additionally require another id, typically a PIN that’s only valid for a short time. This is the same as the smart cards/tokens […]