v Mettez votre marque dans chaque poche! blog mobile marketing KraKant business developmet processing and gateway, mobile marketing, business development asie, business development inde, mobile business, mobile marketing, Asie, mobile commerce, mobile Inde, mobile payment, Chine, mobile-ticketing, mobile wallet, strongh authentication, 2FA, EMV L2, m-pos Visa and mastercard compliant

Saturday, October 20, 2012

Slovakia : Mobile Payments Launch in Slovakia and in Czech Republic

Komercní banka, Telefonica, Visa Europe & Samsung just have launched breakthrough technology in payments. The whole 2,000 owners of a Samsung Galaxy S3, can already simply swap their existing SIM card with a special payment SIM card. These SIM cards are available for free at 19 specialized O2 Guru stores across the Czech Republic, with a pre-charged credit of 250CZK from Komercni banka; enabling users to pay for goods and services with their mobile phones.
This launch builds was organized since a long time and the success of the whole solution project carried since several years, which proved that the market was ready for this payments innovation. They haed lilited the umber at 2,000 special payment SIM cards will be available to customers for free on their Samsung Galaxy S3 smartphones from the 23 of August. Thanks to the partnership with Komercní banka, the card will be charged with 250 CZK credit so that the consumers can experience the payment technology immediately. This KB Mobile Card (Mobil Karta) can be linked to an existing KB bank account or customers can set up a new account with Komercní banka. The mobile payment application, loaded onto a Samsung Galaxy SIII NFC SIM card, is provided by Visa Europe and will be downloaded to customer’s devices for free by the O2 Guru so they can start paying with their mobile.
“Together with our partners, it is our goal to introduce the technology of mobile contactless payments as an alternative to cash payments. The mobile payments offer a high level of convenience, speed and security. For merchants, they bring the new system of client service. Today, we are presenting the way people will pay in the future. We believe that by 2020 about a half of all transactions will be done via mobile devices,” says Miloslav Kozler, the regional manager of Visa Europe for contactless and mobile projects in the Czech Republic and Slovakia.
“Komerční banka has been continuously supporting innovations in payment methods. In co-operation with our partners, we are excited to be the first bank in the Czech Republic to offer our clients this revolutionary way of payment,” says Petr Polák, the Payment Manager at Komercní banka.
“The support of NFC technology in Samsung GALAXY SIII is another step towards our goal to bring a convenient and efficient cashless mobile payment solution. Today's customers, specifically Galaxy SIII users, like to use advanced technologies and features anytime and anywhere. A fast and secure contactless payment will expand the possibilities of use of their phones. And it is possible to use the new NFC technology, that corresponds both to the needs of our clients and to our corporate philosophy," says Roman Šebek, Sales and Marketing Director, Samsung Electronics Czech and Slovak.
“We are proud to be the first mobile operator to introduce the NFC payments to the Czech market. Our work, however, is not finished by launching a limited series of NFC SIM cards. This limited edition is the last step before the mass market launch of this service next year,” says Richard Walitza, NFC and Financial Service Manager at Telefónica Czech Republic, a.s.
The NFC technology in mobile phones brings not only more convenience, but also a more intuitive approach to payments. NFC Payments are simple and also more secure since the users have their devices under constant control and can set up a security level to suit their preferences. For commercial operation, assistants in O2 Guru stores were specially trained for the commercial launch of NFC payments and are ready to advise, provide tips and help customers with installation of the application. Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment SwiffPay, mobile payment

Labels:

posted by Hugues Courcier at 10:22 AM 1 comments

Sunday, October 14, 2012

Visa, MasterCard sign European mobile payment partnerships

Last week both Visa and MasterCard announced European mobile payments partnerships. On Monday, MasterCard announced that it has entered into a mobile payments partnership with Deutsche Telekom, while Visa announced on Friday that it had joined forces with Telefonica Digital to offer a similar service.
The agreement between Visa (San Francisco, Calif., USA) and Telefonica Digital (Madrid) will see both companies co-invest in the development of products and services in areas such as mobile wallet, contactless payments (NFC), acquirer services for mobile point of sale, and merchant offers. The agreement builds on Telefónica and Visa Europe's existing relationship in markets such as the UK and Ireland, formalizing it at a Europe-wide level and establishing Visa Europe as Telefónica's preferred partner for the issuance of branded payments cards and the development of related mobile payment services, says both companies.
“Visa has been an important partner for a number of years in Europe, helping us to trial, test and ultimately launch mobile payments products,” said Joaquin Mata, director of Financial Services at Telefónica Digital. “This market has enormous untapped potential and through this partnership with Visa Europe we aim to unlock significant new business opportunities.”
According to the companies, Telefónica is committed to striking wide-ranging, open partnerships with a range of companies in order to develop mobile commerce services. In addition to Visa Europe, it has recently formed partnerships with Sybase and Giesecke and Devrient.
The agreement between MasterCard (Purchase, N.Y., USA) and Deutsche Telekom (Bonn, Germany) involves Deutsche Telekom delivering smart payments to its 93 million mobile customers across Europe.
The initial deployments will begin in Poland and Germany and will include the introduction of a mobile wallet service in 2013. The platform will be open to other issuing banks and partners, according to the Wall Street Journal, and MasterCard products will be issued through Deutsche Telekom’s subsidiary ClickandBuy.
According to MasterCard’s Mobile Payments Readiness Index, which was released in May, both Poland and Germany were in the lower half of countries considered “ready” to adopt mobile payments. The scores were based on six different components: environment, infrastructure, regulation, consumer readiness, financial services and mobile commerce clusters.
According to MasterCard, Germany has a strong environment, regulatory structure, and widely distributed and affordable financial services; but the country falls short when it comes to levels of investment in telecom, as well as consumer readiness.
Although Poland is ranked in the bottom ten in terms of readiness, the index suggests that the problem has more to do with education rather than economics or penetration. According to the Index, partnerships between telcos and banks in Poland are already beginning to take shape.


Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment http://www.addictgroup.fr/loi-sur-les-caisses-enregistreuse-de-commerce-de-proximite/ http://www.addictgroup.fr/portfolio/plug-in-de-caisse-enregistreuse_prestashop-et-magento/ http://huguescourcier.blogspot.fr/2013/03/le-mpos-une-evolution-ineluctable-en.html http://huguescourcier.blogspot.fr/2013/03/interview-mobile-wallet-in-europe.html http://huguescourcier.blogspot.fr/2012/11/mobile-point-of-sales-loyaltie-program.html

Labels: , , ,

posted by Hugues Courcier at 4:32 AM 0 comments

Swiff debuts mobile point of sale technologies in Thailand in push towards a cashless world

World's first white label mobile commerce solution launched with Bank of Ayudhya to be real game changer for the future of mobile payments
Swiff, the global innovator of secure mobile commerce solutions, today announced the world's first complete live implementation of an end-to-end, secure mobile point of sale (mPOS) solution.
The partnership with Thailand's leading consumer finance bank, Bank of Ayudhya (BAY) and the Swiff platform will allow the bank to provide their customers with new retail opportunities made possible by the flexibility and low cost of Mobile POS.
"This is an exciting time for the payment industry, with technology being the bedrock for enhanced mobility, payments, convenience and productivity improvements," said Jerome Cle, CEO and Founder of SCCP Group. "We're ready to empower banks worldwide withtechnologies that enable truly secure mobile strategies, allowing them to stay competitive in the m-commerce revolution and take back market share from aggregators in that market."
Unlike other mobile payment companies, Swiff is not a payment aggregator and is a technology provider and partner to the banking and financial industry. Through Swiff's innovative and unique technology, banks have the tools to roll out mobile strategies that enable bank-level secured, authenticated transactions. Swiff's mobile platform is embedded with a Multi-Factor Authentication application that has the ability to track the mobile device, the staff who authorised the transaction, and identify the location where the payment was transacted. This enables the quick identification of any possible fraudulent use of the credit card, and promises an extremely high level of security for safe and secure card transactions.
"Our strongest differentiator lies in our ability to seamlessly integrate into any acquiring bank, allowing the bank to rapidly provide an mPOS service to existing and new merchants. On the commercial front, we are opening doors for banks to achieve a richer level of engagement with their customers. Increasingly, people are changing their payment habits and are more willing to use cashless systems through mobile devices to do banking, money transfer, and commerce activities," said Erik Holst-Roness, Executive Vice-President of SCCP Group.
Philip Tan, Head of E-Business of Bank of Ayudhya said, "Swiff is a strong component ofour mobile strategy in the payment chain, especially with its bank-level authentication and identification technologies which enable easy and secure payment transactions. Through this partnership, we now have a new way to engage with our customers, allowing us to grow and build customer relationships and provide a service that can help our customers become increasingly mobile in their payment processes."
Swiff was first launched by SCCP Group in Singapore since March 2012 and plans are underway for further bank partnerships to be developed in growth markets for the US, Europe, and Asia Pacific.


Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment Liens partenaires : plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité

Labels: , , ,

posted by Hugues Courcier at 4:28 AM 0 comments

Russia : Why Mobile Payments Are Taking Off ?

If you want to get a sense of what the technological future has in store, it often makes sense to take a look at what’s occurring in the developing world. Too poor to keep up with the last several generations of investment, markets such as BRIC countriesBrazil, China, India and Russia are often just getting around to providing many services that richer markets take for granted—and they are skipping ahead to the latest technological developments.
That dynamic appears to be at work in the financial services industry in Russia, where 95% of people lack credit cards and other banking services, according to Frederic Vanoosthuyze, vice president of information technology at MTS, the Russian telecommunications company. In place of those basic financial services, Russians are rushing ahead in the deployment of mobile payments, a technology that has been slow to take off in the U.S., as CIO Journal’s Clint Boulton reported.
“Mobile payments are growing and have huge potential in Russia given the fact that there are few credit cards,” Vanoosthuyze says. Russia is largely a cash economy. Vanoosthuyze notes that there are only 0.1 credit cards issued per person in Russia, just one third the rate in China. Thus the opening for mobile payments.
And as mobile payments enter the mainstream, they will extend financial services to millions of people, as Irving Wladawsky-Berger notes. “In developing economies, mobile digital money could be the ticket to financial inclusiveness and a higher standard of living for billions of people around the world, Wladawsky-Berger wrote in CIO Journal in August. “CIOs and other leaders need to make sure that they are prepared at various levels—from infrastructure to strategy and customer service—for those global differences.”
Russia does have a relatively widespread adoption of smartphones—which exists, in part, because the development of fixed line communications lagged the West for many years. Now one leapfrog technology—the smartphone—is making way for another. “Smartphones gives us a better platform for making financial products like mobile payments a part of people’s lives,” Vanoosthuyze told CIO Journal. Smartphone adoption is still in the single digits in Russia—not particularly high, but still much more widespread than credit cards. Vanoosthuyze says the total mobile payments market in Russia will hit 40 billion rubles ($1.2 billion) this year and triple to 163 billion rubles by 2017.
MTS—which is part of Russian investment firm Sistema and has about $12 billion in annual revenue—has been using the IT infrastructure that supports its telecom business to build a broader mobile payments service allowing its customers to use their mobile phones to pay a variety of bills. The company already has payment histories for millions of customers, which allows it to qualify them for its nascent banking services. That is a big deal in a country where credit scoring services, a key part of the financial infrastructure, have been lacking as well. “The absence of databases for credit also gives us an advantage in scoring people and distributing to our customers financial products,” Vanoosthuyze says.
As CIO Journal reported last week, he has been upgrading MTS’s IT infrastructure to enable the expansion of the mobile phone company into fixed line communications, pay TV, and now financial services.
Since 2010, he says, MTS has used its Easy Payment application to allow customers to transfer money to other accounts, and make so-called “community payments” for utilities such as water, heat, and electricity. The Easy Payment application handles about 125 million rubles a month worth of commerce, and total MTS mobile commerce is 500 million rubles a month. Vanoosthuyze says the total mobile payments market in Russia will hit 40 billion rubles this year and triple to 163 billion rubles by 2017.
Since 2011, MTS has offered a service called MTS Dengi (Russian for money), which allows any smartphone to be used as a mobile payment device. The service includes a near-field communications chip and a credit card. NFC services allow machine-to-machine communications over very short distances—such as the space between a customer and a cash register. They have been slow to take off in the U.S., however, as CIO Journal’s Boulton notes, for a variety of reasons. NFC hasn’t been built into the latest phones, such as the iPhone 5. And merchants haven’t invested in the technology, either
MTS has built a high level of security into the Dengi service, placing it in the phone’s SIM card. Vanoosthuyze says that’s more secure than a smartphone app.
MTS is only part of a wider mobile payments infrastructure in Russia. Two companies—Q/WI and Chronopay—operate so-called “corner terminals,” booths that can be found in shopping malls, underpasses and transportation stations. These machines accept cash for a range of bills, such as utilities or pay TV services, and then wirelessly transmit the credit to the user’s account, according to Vanoosthuyzse. Many ATMs provide a similar service, he said.
As Wladawsky-Berger notes, the arrival of digital mobile payments on a global scale will be as transformative as the rise of the credit card business was in the 1950s. And much of that change is beginning now, in Russia and other developing markets.


Liens partenaires :Liens partenaires : plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité

Labels: , , ,

posted by Hugues Courcier at 4:17 AM 0 comments

RUSSIA : Mobile payments already may beat 500 million business

With no iPhone 5 support and multiple competing variants, mobile payments may be having an evolutionary emergence toward what many expect will be a revolutionary disruption.
But, already, NFC helped process 4.5 billion rubles’ worth ($138 million) of mobile payments in Russia in the first six months of the year, according to one facilitator, I-Free.
The company projects that rising to between 15 billion ($460 million) and 18 billion rubles ($553 million) by year’s end, and up to 35 billion rubles ($1 billion) through 2013.
But I-Free’s Svetlana Kostochka tells Digit.ru even this growth is being held back by lack of NFC-enabled smartphones.
“Equipment manufacturers are in no hurry to offer devices with NFC, because they do not believe they will be in demand because of the few services. As a result, the market is not growing as fast as it could.”
US NFC payments were forecast to hit $1.1 billion in 2012 by In-Stat. Either Russia is way ahead of the US in mobile payments, or something isn’t lining up between that forecast and I-Free’s numbers. The difference may be that “NFC payments” is not confined to “mobile payments”.
East-West News: “The world’s largest payment systems, including Visa and MasterCard, are providing incentives to their Russian partners to adopt NFC through their proprietary payWave and PayPass platforms.
“Eleven sizable Russian banks already issue plastic cards with an NFC module, MasterCard says, adding that ‘a few thousand’ POS’s supporting NFC technology have been installed at Russian mobile outlets, cafés, malls, gas stations, and transportation systems, predominantly in Moscow and St. Petersburg.”


Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment

Labels:

posted by Hugues Courcier at 4:14 AM 0 comments

Tuesday, September 11, 2012

SCCP Payment Services consolidates hold on secure and authenticated mobile transaction space with large majority stake holding in 4G SECURE SAS (Europe)

• Acquisition will provide leading mobile payment firm with access to issuer side technology, complementing its comprehensive suite of technology products
SINGAPORE, 28 June, 2012 – Leading secured payment technologies firm, SCCP Payment Services Holdings, announced its strategic entry into the secured uthentication space with a large majority stake purchase agreement with 4G SECURE SAS (Europe), a company specialised in the development of a full patented authentication platform and mobile phone applications.
The acquisition of Europe’s frontrunner in authentication and mobile security solutions is SCCP Payment Services Holdings’ latest step in its expansion into the mobile commerce marketplace. “As part of our growth strategy, we have sought to expand our hold on the mobile payment space through accessing new technologies that complement what we already have in the form of Swiff,” said Jerome Cle, Founder and CEO of SCCP Payment Services Holdings. “4G SECURE is a natural fit because its patented and proven authentication technologies align with our payment solutions. The synergy provides our clients with highly secured mobile transactions solutions in a world where hackers and digital thefts are becoming increasingly sophisticated.”

4G SECURE provides an extensive range of strong authentication services to the growing digital couponing, gaming, ticketing and mobile commerce industry. Clients such as Cheque Dejeuner, Prowebce, Ubiqus and Oberthur Technologies find it a quick, easy-to-use, and low cost secure solution. Prior to the acquisition, 4G SECURE has supported SCCP Payment Services Holdings with solutions in mobile security that includes electronic signatures and two-factor authentication.

Benoît Delestre, President of 4G SECURE, who will join SCCP Payment Services Holdings as CEO of SCCP France, noted: “The strength of SCCP in payment solutions will provide 4G SECURE an inroad into the banking and financial industry, therefore creating opportunities for us to cross-market our solutions between both firms. Our mobile wallet solution will also create a new avenue for more mobile commerce services to be developed.”

SCCP has completed over 70% purchase of 4G SECURE SAS (Europe) in June. SCCP currently controls over 60% of 4G SECURE International. A full integration of all staff and the management team will be implemented while existing locations and facilities will remain unchanged. - End - Business development director mobile payment Russia; Vice President mobile payment asia; swiffpay europe: VP business developement europ mobile payment http://huguescourcier.blogspot.fr/2012/10/russia-nfc-mobile-payments-already-may.html http://huguescourcier.blogspot.fr/2012/10/russia-why-mobile-payments-are-taking.html http://huguescourcier.blogspot.fr/2012/09/le-marche-des-tic-au-vietnam.html http://huguescourcier.blogspot.fr/2012/09/how-mobile-pos-and-payment-systems.html http://huguescourcier.blogspot.fr/2012/09/swiff-one-more-square-like-payment.html http://www.restotimes.com

Labels:

posted by Hugues Courcier at 9:56 AM 0 comments