Online Checkout - In Real Life. Le paiement mobile: p2p. 14,6 millions d’utilisateurs actifs en mars 2012, 650 millions de dollars de transaction chaque mois, le service M-Pesa, proposé par l’opérateur de téléphonie mobile Safaricom au Kenya, reste une référence, le numéro 1 mondial lorsque l’on parle du paiement mobile. Tour d’horizon des facteurs de succès de ce service innovant. Sur leur téléphone portable, 24h sur 24 et 7 jours sur 7, près de 20 millions de Kenyans ont la possibilité d’envoyer et de recevoir de l’argent. Simple à utiliser, le service le plus répandu, M-Pesa (M pour mobile et Pesa pour argent en langue swahili), développé entre 2003 et 2006 par Sagentia, entreprise spécialisée dans le développement de produits technologiques, pour le compte de Safaricom, filiale de Vodafone, satisfait à la fois les lettrés et les illettrés.
Il suffit juste de savoir utiliser les bases fondamentales d’un téléphone portable pour souscrire gratuitement au service M-Pesa. Innovations permanentes. Paiement sur internet : Noyer épingle le Crédit Agricole et Kwixo. Accueil > Actualité économique cBanque avec AFP - Lundi 11 juillet 2011 à 17h47 - 9 commentaires Mots-clés : Banque de France, Crédit Agricole, Internet, Luxembourg.
Flickr/alainmichot93 Le gouverneur de la Banque de France Christian Noyer reproche au Crédit Agricole d'être passé par une de ses filiales enregistrée au Luxembourg pour lancer son offre de paiement par internet, baptisée Kwixo. Lors d'une conférence de presse de présentation du rapport de l'Observatoire de la sécurité des cartes de paiement, le gouverneur a remis en cause le choix du Crédit Agricole d'avoir abrité son projet au sein FIA-NET Europe, filiale du Crédit Agricole enregistrée au Luxembourg : « Si les gens sont assez bêtes pour aller choisir des moyens de paiement proposés avec des niveaux de sécurité moindres (qu'en France), on ne peut rien faire ». cBanque avec AFP - reproduction interdite Runout Enfin, en cas de problème (fraude, vol de données,...) la justice française on connaît.
Filou cocorico Pedro. PayPal to offer digital credentials to online consumers. PayPal is gearing up to play a part in a new US identity initiative which seeks to replace multiple password and user name log-ins with an interoperable set of commercially-supplied digital identities for consumers transacting online. The Obama administration's National Strategy on Trusted Identities in Cyberspace (NSTIC) released preliminary proposals for the creation of a federated 'ID ecosystem' late Friday, following a year of intense consultation and collaboration with public and private sector stakeholders. The NSTIC strategy aims to improve upon the passwords currently used to log-in online by encouraging the creation of a digital ID marketplace where users can shop among multiple identity providers.
PayPal's chief information security officer Michael Barrett has welcomed the initiative and says the company intends to play a role in any emerging ID marketplace. Read the full NSTIC strategy paper:» Download the document now 2.4 mb (PDF File) American Express ‘Serve’ Versus PayPal: What’s the Difference? American Express has just announced “Serve,” which the company touts as “a digital payment and commerce platform that gives consumers a new way to spend, send and receive money with services that go beyond the existing global payment networks.” You set up an account online at serve.com and dump money into it from an existing bank account, credit card or from other Serve users. I took the plunge and signed up for an account—here are my initial thoughts.
It’s very much like PayPal. Serve has the backing of a major financial institution in American Express, which may help some people feel more at ease whereas PayPal has always taken a “we are not a bank” stance. Serve isn’t a bank either, but American Express has a good reputation. I’ve had an Amex credit card for over 10 years and I’ve found the company to be quick with disputed charges and the least screw-jobby when all the credit card companies hiked their rates a couple years back. Anyhoo… Setup Plastic Funding Subaccounts Other Fees Pay Phone. American Express to launch Serve, a PayPal competitor.
PayPal’s enviable position as the go-to digital payment platform may soon be on shaky ground. According to an official announcement released this morning, credit card giant American Express has its own payment system in the works, which will take direct aim at PayPal and other emerging payment platforms. The service, dubbed Serve, will share many of PayPal’s features, including fund transfers, ATM withdrawals, and person-to-person payments. Serve users can connect their account to be funded by multiple accounts, including debit or credit cards, bank accounts or from another Serve account. Serve, which can be accessed online at Serve.com, through apps for iPhone or Android-based devices, or through Facebook, will initially be accepted anywhere that takes American Express credit cards, though the company says it could expand Serve through the adoption of technologies, like the near-field communication (NFC) payment option.
Abolition of cheques ? (UK - MPs debate) The UK's Treasury select committee is reopening its probe into plans to abolish cheques by 2018, claiming it has been "inundated with letters" from the public opposed to the move. After several years of declining popularity, in December 2009 members of the Payments Council voted to set a provisional target of 2018 for the abolition of cheques, with a review scheduled for 2016.
However, the decision provoked widespread concern, with consumer groups, small businesses and charitable organisations all speaking out, prompting the Treasury Committee to launch an inquiry last February. The Committee declared itself "unconvinced" by the Payment Council's assertion that cheques are in "terminal decline" and associated claims about the cost benefits of ditching the 350 year old payment method. Treasury Committee Chairman, Andrew Tyrie MP, now says: "The Payments Council had seemingly forgotten about the millions of people who remain less at ease with the latest technology.
Visa Unveils PayPal-Like Personal Payments Service For U.S. Consumers. Giant retail electronic payments network operator Visa is giving PayPal a run for its money today, announcing a new service that will allows U.S. consumers to receive and send funds to any eligible Visa credit, debit or prepaid account. Now, bank customers of participating financial institutions will have the option to select a Visa account as the destination for funds when making a personal payment. Users enter the recipient’s 16-digit Visa account, email address or mobile phone number, allowing consumers to send funds directly from their bank account to a recipient’s Visa account, similar to the act of sending money on PayPal. Visa is actually working with outside company CashEdge and Fiserv to offer this service. Previously, Visa’s personal payments was offered by financial institutions outside the U.S. but the availability in in the U.S. is a big deal, considering the popularity of PayPal.
Visa has consistently been looking for ways to build its online presence in payments. WorldPay partners CellPoint Mobile on m-payments for retailers. WorldPay, one of the world's leading payment service providers for both online and Point of Sale transactions, has partnered with CellPoint Mobile, a leading provider of mobile infrastructure, retail and payment solutions, to offer retailers mobile payment services for remote transactions. The joint solution gives merchants across the globe instant capabilities to offer consumers mobile payment options using Worldpay's extensive payment processing capabilities. The new payment solution provides a secure, PCI DSS compliant, web-based program that enables 1-click remote mobile payments. Figures show that retailers have already begun to adjust to the emergence of mobile shopping.
According to a recent report by Juniper Research, the mobile retail market is predicted to see an annual growth of 24% over the next four years, reaching $12 billion in 2014, further fuelled by an industry shift in the production and shipping of smartphones over traditional cellular phones. WorldPay, CellPoint to attack £12bn mobile payments market - 1/14/2011. Friday 14 January 2011 11:08 Mobile payments, already common in developing economies, are set to become bigger business in the developed world following the tie-up between payment service provider WorldPay and CellPoint Mobile, a provider of mobile infrastructure, retail and payment solutions to retailers.
The two firms plan to make it easier for retailers to introduce mobile payment services for remote transactions. According to market analyst IMRG, online business in the UK is likely to grow from £50bn in 2009 to £123bn in 2020. Online sales already account for 17% of retail sales, and this is expected to grow, along with the percentage conducted from mobile phones. Market analyst Juniper Research predicts the global mobile retail market will grow by 24% over the next four years to $12bn in 2014. With the WorldPay-CellPoint deal, retailers are charged a customer transaction fee, the same as for other transactions. Email Alerts. Ogone upgrades payment platform. Ogone Payment Services has signed an agreement with the financial services provider Transbank of Chile to provide its customers with the ability make payments in the local Chilean currency. Furthermore, Ogone Payment Services has entered partnerships with other three companies, namely the New Zealand-based financial services company ANZ, Standard Bank of South Africa and United Overseas Bank (UOB), a financial services provider in the Pan-Asia region.
Via the new partnerships, Ogone Payment Services offers multi-national businesses the opportunity to locally accept payments from Visa, MasterCard, American Express and Diners Club in those markets by using its payment platform. Furthermore, Ogone has upgraded its platform by adding the capability of processing payments in Arabic. Overall, the Ogone payment page is available in 20 languages. Ogone - PCI DSS. Google Checkout still not checking out around the world | Mobile-Financial.com. Google Checkout is an interesting point in the map of Mobile Money.
As with most Google products, it seems to be the answer to everything, and with the Mountain View based company behind it, why isn’t it everywhere and dwarfing other options just as Google does in search? Google Checkout was set up to take small payments for web services and other items, a central system for users and a single point of contact for developers and user. And then Google Checkout was thrown into the front line of mobile payment... the Android smartphone application store. From a technical point of view Google needed a way for people to pay for applications on their ‘free’ mobile OS, and they had their own payment system in place. It just wasn’t ready for the big time. Checkout’s major issue right now is that the customer base is either not there or can’t use it. The problems with Google Checkout are already having an impact on the Android smartphone. So what will Google do now? Barclays to acquire Egg credit card accounts. Acquires M-Com to Enhance Mobile Banking and Payments Capabilities (NASDAQ:FISV)
The companies have been partners since 2008, and hundreds of financial institutions already offer the jointly developed Mobile Money™ from Fiserv Acquisition will accelerate innovation and delivery of mobile solutions to Fiserv and M-Com clients BROOKFIELD, Wis. --(BUSINESS WIRE)-- Fiserv, Inc. (NASDAQ: FISV), the leading global provider of financial services technology solutions, today announced that it has acquired Mobile Commerce Ltd. (M-Com), an international mobile banking and payments provider, to enhance Fiserv's existing mobile channel capabilities. The two companies have been partners since 2008, developing and delivering Mobile Money™ from Fiserv to hundreds of financial institutions.
Financial terms of the acquisition were not disclosed. M-Com, founded in 2000, is based in Atlanta, Ga., with an office in New Zealand. "Offering robust services through the mobile channel is now critical for financial institutions," said Mr. Additional Resources M-Com: Tradeshift - Payal on eIncoiving.