Design and Evaluation of a Mobile Payment System for Public Transport: the Mobipag STCP Prototype
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The Fintech Book Paint a Visual Picture of the Possibilities and Make It Real for Every Reader
Financial Era Advisory Group @finera “Many are familiar with early stage investing. Many are familiar with technology. Many are “FinTech is about all of us – it’s the future intersection of people, technology and money, familiar with disruption and innovation. Yet, few truly understandFinancial how different Era an animal Advisory and it’s happeningGroup now there is an explosion of possibilities on our doorstep. Susanne and is the financial services industry. Such vectors as regulation, compliance, risk, handling The FinTech Book paint a visual picture of the possibilities and make it real for every reader. other people’s money, the psychological behaviours around money and capital ensure A must-read for every disruptor, innovator, creator, banker.” that our financial services industry is full of quirks and complexities. As such The FinTech Derek White, Global Head of Customer Solutions, BBVA Book offers a refreshing take and knowledge expertise, which neophytes as well as experts will be well advised to read.” “FinTech is reshaping the financial experience of millions of people and businesses around Pascal Bouvier, Venture Partner, Santander InnoVentures the world today, and has the potential to dramatically alter our understanding of financial services tomorrow. We’re in the thick of the development of an Internet of Value that will “This first ever crowd-sourced book on the broad FinTech ecosystem is an extremely deliver sweeping, positive change around the world just as the internet itself did a few worthwhile read for anyone trying to understand why and how technology will impact short decades ago. The FinTech Book captures the unique ecosystem that has coalesced most, if not all, of the financial services industry. -
Doing Business in the Mobile Channel
News July 12, 2010 • Issue 10:07:01 Industry Update .......................................14 Security standards lifecycle extended .........42 Congress approves interchange Doing business in regulation amendment ..........................44 New ACH rules in step with Check 21 .......47 the mobile channel Trade Association News: ETA unveils new logo ............................76 By Patti Murphy MWAA to present strategies The Takoma Group for changing times ................................76 verything is mobile these days, and the business of payments is no Features exception: Juniper Research Ltd., a high-tech research firm based in the U.K., forecasts that nearly half of all mobile telephone users worldwide GS Advisory Board: E will be using mobile devices to initiate payments by 2014. Meanwhile, the online auction site eBay Inc. claims it handled $500 million in mobile pay- Merchant retention, taking ments in 2009; this year that number is expected to triple. the initiative – Part 1 .............................24 SellingPrepaid: At present, the bulk of mobile payments occur outside the United States. In Prepaid in brief ....................................33 Kenya, for example, M-Pesa, a mobile banking and payments product provided FinCEN seeks comprehensive by mobile operator Safaricom Ltd., managed to sign up 20 percent of Kenyans who just a few years ago were unbanked. AML framework....................................34 Prepaid largely spared in fi nal In Haiti, where 90 percent of adults had no bank accounts just last year, a Durbin Amendment ..............................38 project is underway to build a mobile money system for the entire nation. Views The U.S. Agency for International Development and the Bill & Melinda Gates Foundation kicked in money and expertise to create the system. -
Designing Mobile Service Experiences from Understanding and Conceptualizing to Prototyping the Customer Experience
I D 2013 DESIGNING MOBILE SERVICE EXPERIENCES FROM UNDERSTANDING AND CONCEPTUALIZING TO PROTOTYPING THE CUSTOMER EXPERIENCE MARIA TERESA VASCONCELOS DE MORAES SARMENTO LOPES DISSERTATION SUBMITTED TO FACULDADE DE ENGENHARIA DA UNIVERSIDADE DO PORTO TO OBTAIN THE DOCTORAL DEGREE IN INDUSTRIAL ENGINEERING AND MANAGEMENT II Maria Teresa Vasconcelos de Moraes Sarmento Lopes Dissertation submitted to Faculdade de Engenharia da Universidade do Porto to obtain the Doctoral Degree in Industrial Engineering and Management Advisors: Professor Lia Patrício Professor José Bártolo III Abstract An experience is a complex phenomenon. Nevertheless, it comprises every aspect of a service offering, from customer care quality to its usefulness, surrounding environ- ment, and reliability. Hence, it is a challenge to incorporate improved experiences into the ebullient context of mobile services. Service innovation requires new concepts, new approaches, and new techniques, by recognizing and taking advantages of the interactions between the customer and the service provider. Tackling mobile service experiences through a design thinking path contributes to New Service Development and is the main impulse for this study. This research design is based on two pillars of knowledge: a behavioural-science para- digm to understand and evaluate customer experiences through different levels of de- tail; and a design-science paradigm to promote service research through practice. Ser- vice design research generates artefacts, methods and tools, thereby endorsing new concepts. The research followed a design thinking approach with an application to the concep- tion of a mobile service for managing loyalty programs, actively taking part of the de- velopment process from exploration, ideation, reflection and implementation. Starting with an exploration stage, the understanding of customer experience was ascertained through a qualitative study along three phases of service adoption and a quantitative study. -
5G a “Special Generation” – but in Good Time
MWC15 Daily DAY4.qxp_DAY1 04/03/2015 18:07 Page 1 BROUGHT TO YOU BY: OFFICIAL NEWSPAPER OF MOBILE WORLD CONGRESS 2015 IN THIS ISSUE WI-FI ALLIANCE OUTLINES RISKS WITH LTE-U INDUSTRY BODY STRESSES NEED TO COOPERATE WITH MOBILE CAMP PAGE 4 ORANGE PUTS MEA PIECES INTO PLACE OPERATOR SAYS MOVE WILL MAKE IT EASIER TO ENTER INTO MERGERS IN THE REGION PAGE 6 XIAOMI: SUCCESS IS DOWN TO BRAND CHINESE FIRM SAYS ITS FRESH APPROACH IS PAYING OFF PAGE 6 D AY F O U R • THURSDAY 5TH MARCH 5G a “special generation” – but in good time By Paul Rasmussen and Joseph Waring unveil a new performance leap, the LTE engineers respond by he mobile industry should matching it.” consider 5G as a “special Underlining the need for a new Galaxy S6 Edge Tgeneration”, introducing generation, Mischa Dohler, “challenges in all layers of the professor of wireless scoops Best In technology”, Mike Short, VP of communications at King’s College public affairs Telefónica Europe London, insisted: “We really do Show Award (pictured right), said. need 5G in order to have a Speaking in one of yesterday’s paradigm shift. The order of services. We must look at “And we’re going to fit all that on amsung’s Galaxy S6 Edge - sessions covering the next- magnitude jump in traffic is what is performance and coverage, and not one network. The risk with 5G is unveiled Sunday on the eve generation mobile technology, he really driving this move.” just consider microcells.” we’re stretching it too wide to be Sof MWC15 - has been said: “It’s beyond what we’re doing He said the industry is nearing Ericsson group CTO Ulf able to build it. -
Annual Report 2014 03 Chairman’S Statement
The Bango mobile payment platform is vital to the global growth in digital content sales. The giants of mobile choose the Bango Payment Platform to provide a delightful and immediate payment experience that maximizes sales of digital content. With over 140 markets activated by our partners, the Bango Payment Platform is established as the global standard for app stores to offer carrier billing. As the next billion consumers pick up their first smartphone, Bango technology will be there to unlock the universe of apps, video, games and other content that bring those smartphones to life. Global leaders plugging into Bango include Amazon, BlackBerry, Facebook, Google, Microsoft and Mozilla. January to December 2014 saw Bango exceed 140 Mobile Network Operator activations, with new integrations in strategically vital, fast-growing markets, including Indonesia, Mexico, South Africa and across the Middle East. Bango was proud to launch two entirely new app store integrations during 2014, with Amazon, who are acknowledged as the masters of connected commerce, and with Samsung, the world’s largest smartphone manufacturer. Six of the world’s largest app stores have chosen the Bango Payment Platform, demonstrating that Bango has emerged as the de facto global standard for carrier billing in app stores. Contents 01 Contents Highlights……………….……………………….....…………..….………...…02 Strategic report Chairman statement…….......................………………….……......……03 CEO statement……………………........................….…….……...……..04 CFO statement…………………….........................……….…...………..07