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TURN LEFT OFF the main reception to PayPal's offices in San Jose, open a nondescript door and you step into a garish living room dominated by a flat-screen television. This is a laboratory for what PayPal calls “couch commerce”: people sit in front of the television buying things with their mobile phones or tablet computers. Next door is a make-believe shopping mall complete with a mock hardware store, grocery and coffee shop. In each, consumers can order, buy and pay for things using their phones, or even just their phone numbers.
We know that mobile payments are redefining commerce , but will our phones soon replace our wallets? PayPal seems to think so . The payments giant boldly predicts that the wallet will be dead by 2015. It's putting its money where its mouth is: It recently acquired mobile payments provider Zong for $240 million. PayPal isn't the only one getting into the game though. Google recently launched Google Wallet , the search giant's mobile payment system, and Visa recently made a strategic investment in Square , the mobile payments platform now worth more than $1.4 billion .
Eyeing a shift in consumer habits, eBay has announced it is buying Zong , a provider of payments through mobile carriers, for $240 milllion. The cash acquisition will let consumers pay for purchases from their phones or computer by using their mobile phone numbers for verification. (The payment shows up on their phone bill.) The idea, according to a statement from eBay, is to provide consumers with another payment option in addition to PayPal.
A Danish startup has created a fairly straightforward web-based application that lets organizations invoice each other online. But humble though it may sound, in the long run, this Nordic venture could well end up disrupting not just the business software industry but the banking industry as well. That's because the invoicing application is just the tip of a much larger iceberg that the company, Tradeshift , is envisioning--one that leverages big data to reinvent how credit ratings are set for small- and medium-sized businesses.
Cet article a été rédigé en collaboration avec SIA Conseil et est publié conjointement sur leur (excellent) blog Finance & Stratégies ( le lien est ici ). Les annonces de lancement de moyens de paiement innovants foisonnent dans les medias. Kwixo, Buyster, Pay2you sont autant de nouveaux services venant alimenter un marché en plein développement, dont la motivation est de proposer des solutions de paiement à valeur ajoutée, alternatives aux services traditionnels offerts par les banques. Pour décrypter le développement de ce nouveau marché, nous nous sommes appuyés sur l’étude d’un panel de services innovants proposés par différents acteurs, qui nous permet de dresser un premier état des lieux.
A new report by DigitalRiver shows that companies need to be cognizant of new business models and payment methods worldwide as the market shifts towards free-to-play gaming. According to estimates by SuperData Research, $15.9 billion in revenue will come from boxed game product, while $7.1 billion will come from online and mobile. Within that space, SuperData expects free-to-play games and virtual goods sales to make up over 50 percent of online gaming revenues by 2017. There's been a recent trend of underperforming MMORPGs switching to the free-to-play model successfully.
Many large European banks are considering the possibility of outsourcing their core small business lending to a new group of loan funds. This is a further sign of the growth of the ‘shadow banking’ industry in Europe, a market that has already gained in importance in the US. (See graph attached.) ‘Shadow banking’ (good title for a film thriller) is nothing shady, it’s a phrase used to encompass a broad range of institutions and mechanisms, from wholesale finance to peer-to-peer lending and even pay day loans.
Que se passe-t-il quand l'innovation se focalise sur les technologies en oubliant les utilisateurs ? Dans la plupart des cas, l'échec est inéluctable. Le paiement sans contact est en bonne voie de devenir un cas d'école pour illustrer ce constat universel. L'idée de départ (remplacer les pièces de monnaie et billets de banque par un instrument simple à utiliser) pouvait paraître séduisante mais il faut maintenant se rendre à l'évidence : les consommateurs n'en veulent pas ! Depuis presque 10 ans, les expérimentations se sont multipliées aux 4 coins du monde.
Mobile payments are coming, and there are many paths being beaten to get them to our phones. Google-backed mobile payments startup Corduro launches this week with a combined mobile wallet/payments processor for Android and the iPhone (which will be available in the respective app stores later this week). Like Square, Corduro is primarily a way for merchants to take payments on mobile devices. But it has a few twists. One is pricing. In some cases, it can be up to 30 percent cheaper for merchants in processing fees than regular credit card transactions (and even beats Square slightly).
What is a mobile payment? I get that question a lot. There's a surprising amount of misinformation and confusion being sown about mobile payments. (Even by well-meaning news organizations and reputable tech sites.) And then there's the hype.
Paypal signe sa deuxième acquisition en moins de deux semaines. Sur son blog officiel , la filiale d'eBay annonce avoir racheté Fig Card, une start-up spécialisée dans les paiements mobiles. Le montant de la transaction n'est pas précisé. Fig Card permet aux marchands d'accepter des paiements mobiles dans les boutiques physiques au moyen d'une clé USB qu'ils branchent sur leur caisse enregistreuse. Pour utiliser le système, les acheteurs doivent simplement disposer de l'application Fig sur leur smartphone. Les fondateurs de Fig Card, Max Metral et Hasty Granbery, rejoignent l'équipe Mobile de Paypal.
Mobile payments company Square has landed a big coup— sales placement on Apple’s online store. And we’ve just confirmed with Square that the startup has a deal for in-store sales as well. Apple will start selling Square devices in all of its U.S. retail stores starting this week.
Gemalto Mobile NFC Payment Application First in the World Certified by MasterCard Newly certified payment application set to trigger commercial rollouts of mobile contactless ecosystem CARTES in Asia, Hong Kong , Mar 29, 2011 - Gemalto (Euronext NL0000400653 GTO), the world leader in digital security, announces the world's first UICC-embedded software application compliant with Mobile MasterCard® PayPass™ M/Chip 4, the brand new MasterCard payment specification designed for mobile near field communications (NFC).
La vidéo sélectionnée Paypal affiche ses ambitions - Interview d'Alexandre Hoffmann, Directeur Général pour la France Paypal ambitionne de devenir le moyen de paiement préféré des Français.
If there’s anything to which Starbucks customers are more addicted than caffeine, it’s Starbucks’ new mobile payment system. Only two short months ago, Starbucks rolled out a branded mobile payments system through the Starbucks Card Mobile iPhone and BlackBerry applications, which can be used at nearly 7,000 Starbucks across the US. Now, the results are in. This week, Starbucks announced that some 3 million coffee-crazy customers have purchased their morning joe using Starbucks Card Mobile.