Lloyds lance un service de solde bancaire par SMS, l'intérêt de la news est le prix mensuel du service et le nombre d'utilisateurs du P2P :
"The package is available as part of Lloyds' suite of mobile banking services which enables subscribers to monitor their account balances, transfer funds between accounts and set text alerts for pre-determined 'high' and 'low' balance amounts. Lloyds says customers using the service are now transferring more than half a million pounds every month.
The complete mobile banking package is charged out to users for a fee of £2.50 per month."
Lloyds TSB has become the first bank in the UK to launch 'on demand' text message balance updates for its customers.
http://www.finextra.com/fullstory.asp?id=20192
MiPay est l'une des premières solutions de mobile money carbon neutral
Mi-Pay's centralised data centre is now effectively carbon neutral
http://www.finextra.com/fullpr.asp?id=28358
Après les anglais et les portuguais, c'est désormais un service d'ATM allemand qui se lance dans la banque mobile (grace à ses connexions bancaires)
Sevenval, Wincor Nixdorf enter strategic partnership in mobile banking
http://www.thepaypers.com/news/article.aspx?cid=738721
L'Uganda est désormais la terre de compétition des services de mobile money, avec 2 annonces ce jour : Grameen +google+MTN d'un côté et de l'autre Zap Zain.
L'arrivée de google avec un service google trader par SMS destiné à devenir la place de marché support des transactions commerciales est une première, qui risque d'être généralisée.
Grameen, Google launch mobile apps with MTN Uganda
http://googleblog.blogspot.com/2009/06/extending-google-services-in-africa.html
Zain’s mobile money transfer service for launch today
http://www.monitor.co.ug/artman/publish/business/Zain_s_mobile_money_transfer_service_for_launch_today_87202.shtml
lundi 29 juin 2009
samedi 27 juin 2009
Dinube : Mobile-enabled cloud transactions
Dinube a une approche originale : transformer les marchands en banque. Ils ont remporté un challenge d'entrepreneurs et opèrent sur le marché test du Mexique. L'idée est de déposer de l'argent chez un marchand et vous payez par sms chez les autres. La promesse est forte vis-à-vis du marchand : au lieu de payer des commissions cartes, il obtient des revenus de ces transactions et dépôt.
"The company has plans to remove bank cards from financial transactions by connecting customers directly with retailers through their cell phones. “By turning upside-down existing payment systems, we are able to generate revenues for the merchants as opposed to charging them like other credit cards or debit cards,” Hayes said.
A user would sign up for the service through one of Dinube’s retail partners and deposit $50 or $100 with the retailer. To make a purchase, they would send a text message through Dinube’s platform, which would deduct the amount, plus a small fee. Once Dinube has a pool of retailers, users would be able to make a purchase at any of them using the same deposits, Hayes said."
Dinube launches payment tech for cell phones
http://www.masshightech.com/stories/2009/06/22/weekly12-Dinube-launches-payment-tech-for-cell-phones.html
"The company has plans to remove bank cards from financial transactions by connecting customers directly with retailers through their cell phones. “By turning upside-down existing payment systems, we are able to generate revenues for the merchants as opposed to charging them like other credit cards or debit cards,” Hayes said.
A user would sign up for the service through one of Dinube’s retail partners and deposit $50 or $100 with the retailer. To make a purchase, they would send a text message through Dinube’s platform, which would deduct the amount, plus a small fee. Once Dinube has a pool of retailers, users would be able to make a purchase at any of them using the same deposits, Hayes said."
Dinube launches payment tech for cell phones
http://www.masshightech.com/stories/2009/06/22/weekly12-Dinube-launches-payment-tech-for-cell-phones.html
panorama du paiement mobile à distance par Mobile Banker
Mobile Banker publie un article qui ne peut être exhaustif sur le paiement mobile à distance, mais qui a l'intérêt de lister les tendances du moment :
- les initiatives liées aux réseaux cartes,
- les initiatives des cariers (dont zoompass, etc)
- les initiatives des intermédaires telecom : soit des agrégateurs de paiement sur facture opérateurs, soit des gestionnaires de rechargement de comptes mobiles (top-up air time).
Mobile Banker est tres US centric, j'en profite donc pour compléter la liste des initiatives agrégateurs par le portefeuille (franco-belge) HiPay (qui détient une license de monnaie électronique).
Telecoms Get Their Due in Payments
http://www.americanbanker.com/article.html?id=20090625QB7XBOT5&rss=y
- les initiatives liées aux réseaux cartes,
- les initiatives des cariers (dont zoompass, etc)
- les initiatives des intermédaires telecom : soit des agrégateurs de paiement sur facture opérateurs, soit des gestionnaires de rechargement de comptes mobiles (top-up air time).
Mobile Banker est tres US centric, j'en profite donc pour compléter la liste des initiatives agrégateurs par le portefeuille (franco-belge) HiPay (qui détient une license de monnaie électronique).
Telecoms Get Their Due in Payments
http://www.americanbanker.com/article.html?id=20090625QB7XBOT5&rss=y
lundi 22 juin 2009
carte bancaire avec un bouton on /off par mobile, Western Union, Qtel : zap 22 june
C'est une idée simple, j'active ou je désactive ma carte via mon mobile. Reste à savoir si le marché trouvera cette initiative intéressante.(source finextra)
Jeff Hattara, president and CEO, Veritec, says: "People no longer have to completely rely on their card issuers to monitor possible fraudulent activity on their accounts. Cardholders can now de-activate their cards themselves, in real time, any time they choose to do so."
(communiqué)
VERITEC AND SECURITY FIRST BANK ENTER INTO AGREEMENT TO ISSUE AND
PROCESS DEBIT AND GIFT CARDS
http://www.veritecinc.com/news/Press%20Release%20_SFB_%20June%2018%202009%20FINAL.pdf
Western Union avance ses points en labellisant les principaux fournisseurs de plateforme de m-payment (mobile money) : fundamo, mChek, sybase 365, Utiba.
Western Union launches digital vendor programme for mobile outfits
http://www.finextra.com/fullpr.asp?id=28179
Qtel, operateur qatari, lance une offre de m-commerce
Qtel, Vodafone-Qatar to develop joint M-Commerce platform
http://www.thepaypers.com/news/article.aspx?cid=738658
samedi 20 juin 2009
Carte + P2P mobile : Raffeisen Bank Romania
ThePaypers relaie le communiqué de RevEurope qui vient de sortir pour Raffeisen Romania une carte Visa couplée à un système de P2P baptisé YAP. Une société US spécialisée dans les applis mobiles a aussi collaboré au projet :MPower Mobile.
Raiffeisen Bank, RevEurope launch prepaid debit card for m-payments in Romania
Twitter regarde du cote du t-commerce pour trouver une source de revenu
Via textually.org on apprend qu'un des membres du board de Twitter a déclaré que les conseils de shopping et le paiement via twitter seront une cible : "E-commerce, including links to products and turnkey payment mechanisms, is a likely revenue stream for Twitter, said Todd Chaffee, a Twitter board member ". Une sorte de t-commerce ?
Reste que cette source de revenu est aussi celle évoquée récemment par facebook, et déjà mise en oeuvre par les places de marchés comme Amazon ou E-Bay, etc et autres moteurs de recherches.
Twitter Plans to Offer Shopping Advice and Easy Purchasing
http://bits.blogs.nytimes.com/2009/06/19/twitter-plans-to-offer-shopping-advice-and-easy-purchasing/
Reste que cette source de revenu est aussi celle évoquée récemment par facebook, et déjà mise en oeuvre par les places de marchés comme Amazon ou E-Bay, etc et autres moteurs de recherches.
Twitter Plans to Offer Shopping Advice and Easy Purchasing
http://bits.blogs.nytimes.com/2009/06/19/twitter-plans-to-offer-shopping-advice-and-easy-purchasing/
FSTC New security standards for mobile payments
Le twitter de mobile_world (et cellular news et scmagazine) nous donnent des nouvelles du projet de standardisation des paiements mobiles du FSTC, qui entre dans la phase 3 sur 4 de son process. Une fois finalisé ce standard sera porté à l'ANSI (American National Standards Institute) puis à l'ISO.
Rappelons ce qu'est l'américain FSTC : "the Financial Services Technology Consortium (FSTC), is an industry group comprising banks, technology vendors, researchers and government organizations, which develops technology standards for the financial services sector. "
Par ailleurs le FSTC is looking for technology providers who would like to participate in the next phases of the project. For more information, contact the FSTC at (202) 589-4308 or email jim.pitts@fstc.org or john.fricke@fstc.org.
New security standards for mobile payments coming
http://www.scmagazineus.com/New-security-standards-for-mobile-payments-coming/article/138718/
Rappelons ce qu'est l'américain FSTC : "the Financial Services Technology Consortium (FSTC), is an industry group comprising banks, technology vendors, researchers and government organizations, which develops technology standards for the financial services sector. "
Par ailleurs le FSTC is looking for technology providers who would like to participate in the next phases of the project. For more information, contact the FSTC at (202) 589-4308 or email jim.pitts@fstc.org or john.fricke@fstc.org.
New security standards for mobile payments coming
http://www.scmagazineus.com/New-security-standards-for-mobile-payments-coming/article/138718/
jeudi 18 juin 2009
Zoompass Aran Hamilton interview for insiden
Interview for insiden
Aran Hamilton - EnStream’s Vice President of Strategic Partnerships
1) What are the relationships between Zoompass, Enstream and Peoples Trust ?
Zoompass is the application which was created by EnStream LP to allow users to transfer funds using their mobile phones. Peoples Trust issues the optional Zoompass Prepaid MasterCard Card which enables customers to make no-charge retail purchases using PayPass.
2) Enstream is an "old" start-up : 2005 ? What is the story ?
EnStream LP was formed in 2005 and is a joint venture between the three largest telecommunications carriers in Canada – Bell, Rogers and TELUS. Together they had the foresight to develop a service that would work seamlessly across the carriers. Plans were developed and the application has been thoroughly tested to ensure it was ready for consumer use. All of our hard work has paid off: Zoompass is a very useful tool and has functionality that you won’t see on any other mobile money application in the world.
3) Many comments about the fees: some people find them too expensive to success ? In France a similar service is 0,5 € per transfer and the postal office is 0,52€ if you put a cheque into an envelope and send it to your beneficiary . What are the benchmarks in Canada?
Transferring money between friends and family costs less than withdrawing funds from a bank machine (an instant teller). There is no charge to make purchases with Zoompass PayPass. The fee to send money is less than the price of a domestic stamp. The evidence seems to suggest that Zoompass represents a very cost-effective way for people to transfer money and make payments—especially when you consider the fact that Zoompass is also very fast, conveniently located on the mobile phone, and very safe and secure
4) Why is it only in Canada and not in all North America (like obopay) ?
Zoompass is available to the more than 21 million cellphone subscribers who use wireless service provided by one of the three major Canadian carriers (Bell Mobility, Rogers, or TELUS, as well as Fido, PC Mobile, and Solo Mobile). Zoompass is the only mobile payment service in Canada. Obopay is not available in Canada.
5) You issue a NFC card but NO sticker NFC like First Data : what are the reasons why ?
First, it’s worth mentioning that the Zoompass Prepaid MasterCard Card is a Contactless Card, enabled with PayPass, MasterCard’s contactless feature. Zoompass was developed as the first step towards the marriage of the wallet and mobile phone. Mobile payment is in its infancy in Canada and Zoompass will revolutionize the mobile industry. As Zoompass evolves, we may certainly adopt different form factors like contactless stickers and NFC device integration.
6) Does anti-trust accept that the major wireless carrier operate together ? Is Zoompass open to others wireless carriers (MVNO)? to other industries like TV cable or transportation?
EnStream’s mission is to enable mobile commerce functionality to wireless phone subscribers for the 95% of Canadians using the Bell Mobility, Rogers, and TELUS networks including their respective brands Fido, PC Mobile, and Solo. EnStream will seek to evolve the mobile money ecosystem by working with partners to launch compelling best-of-breed solutions.
7) When are you coming in France to showcase Zoompass ? (there is a meeting this week MobilePayment09 in Paris)
Thank you for the invitation! We were at Mobile World Congress in Barcelona a few months ago and we are meeting with people from all over the world about Zoompass and partnership opportunities. We welcome all opportunities to talk about this exciting topic!
(Thank you to Dave Fleet from Thornley Fallis Communications fleet@thornleyfallis.com)
Aran Hamilton - EnStream’s Vice President of Strategic Partnerships
1) What are the relationships between Zoompass, Enstream and Peoples Trust ?
Zoompass is the application which was created by EnStream LP to allow users to transfer funds using their mobile phones. Peoples Trust issues the optional Zoompass Prepaid MasterCard Card which enables customers to make no-charge retail purchases using PayPass.
2) Enstream is an "old" start-up : 2005 ? What is the story ?
EnStream LP was formed in 2005 and is a joint venture between the three largest telecommunications carriers in Canada – Bell, Rogers and TELUS. Together they had the foresight to develop a service that would work seamlessly across the carriers. Plans were developed and the application has been thoroughly tested to ensure it was ready for consumer use. All of our hard work has paid off: Zoompass is a very useful tool and has functionality that you won’t see on any other mobile money application in the world.
3) Many comments about the fees: some people find them too expensive to success ? In France a similar service is 0,5 € per transfer and the postal office is 0,52€ if you put a cheque into an envelope and send it to your beneficiary . What are the benchmarks in Canada?
Transferring money between friends and family costs less than withdrawing funds from a bank machine (an instant teller). There is no charge to make purchases with Zoompass PayPass. The fee to send money is less than the price of a domestic stamp. The evidence seems to suggest that Zoompass represents a very cost-effective way for people to transfer money and make payments—especially when you consider the fact that Zoompass is also very fast, conveniently located on the mobile phone, and very safe and secure
4) Why is it only in Canada and not in all North America (like obopay) ?
Zoompass is available to the more than 21 million cellphone subscribers who use wireless service provided by one of the three major Canadian carriers (Bell Mobility, Rogers, or TELUS, as well as Fido, PC Mobile, and Solo Mobile). Zoompass is the only mobile payment service in Canada. Obopay is not available in Canada.
5) You issue a NFC card but NO sticker NFC like First Data : what are the reasons why ?
First, it’s worth mentioning that the Zoompass Prepaid MasterCard Card is a Contactless Card, enabled with PayPass, MasterCard’s contactless feature. Zoompass was developed as the first step towards the marriage of the wallet and mobile phone. Mobile payment is in its infancy in Canada and Zoompass will revolutionize the mobile industry. As Zoompass evolves, we may certainly adopt different form factors like contactless stickers and NFC device integration.
6) Does anti-trust accept that the major wireless carrier operate together ? Is Zoompass open to others wireless carriers (MVNO)? to other industries like TV cable or transportation?
EnStream’s mission is to enable mobile commerce functionality to wireless phone subscribers for the 95% of Canadians using the Bell Mobility, Rogers, and TELUS networks including their respective brands Fido, PC Mobile, and Solo. EnStream will seek to evolve the mobile money ecosystem by working with partners to launch compelling best-of-breed solutions.
7) When are you coming in France to showcase Zoompass ? (there is a meeting this week MobilePayment09 in Paris)
Thank you for the invitation! We were at Mobile World Congress in Barcelona a few months ago and we are meeting with people from all over the world about Zoompass and partnership opportunities. We welcome all opportunities to talk about this exciting topic!
(Thank you to Dave Fleet from Thornley Fallis Communications fleet@thornleyfallis.com)
mardi 16 juin 2009
Mobile payment war in the USA ?
(source CNET)
Une star-up BOKU rachète 2 acteurs du mobile payment Paymo et Mobillcash et s'attaque au marché de Zong.
BOKU Launches, Makes Some Mobile Purchases For Mobile Payments
http://www.techcrunch.com/2009/06/16/boku-launches-makes-some-mobile-purchases-for-mobile-payments/
Here come the mobile payment wars
http://news.cnet.com/8301-13577_3-10265243-36.html
Une star-up BOKU rachète 2 acteurs du mobile payment Paymo et Mobillcash et s'attaque au marché de Zong.
BOKU Launches, Makes Some Mobile Purchases For Mobile Payments
http://www.techcrunch.com/2009/06/16/boku-launches-makes-some-mobile-purchases-for-mobile-payments/
Here come the mobile payment wars
http://news.cnet.com/8301-13577_3-10265243-36.html
#MP09 tomorrow Mobile Payment 09 in Paris / follow twitter
The Mobile Payment 09 meeting begins tomorrow (10 AM Paris time). You will have some live report by some twitter users like myself @denisvacher. The tag on twitter search will be #MP09.
Here is the first scoop : PayByPhone will be launched in France. (see the post below)
post relayé de "Le Paiement Mobile" :
Les startups du Mobile Payment 09
Le programme de la journée du 17 juin (demain) du salon Mobile Payment 09 sera cloturé par la présentation de plusieurs Startups (voir le programme détaillé ici) : TXTrans, Famoco, PayTap, NTX Research, Octopus & Horus, Friendsclear et Paybyphone.
Pour ma part, je participerai à cette présentation car j'aurai le plaisir de vous présenter en avant première l'offre Paybyphone qui va démarrer cet été en France. Paybyphone sera présentée simultanément sur les salons MP09 et Parkopolis (stand Parkeon), je vous attends nombreux ...
Vous pourrez aussi suivre l'évènement sur Twitter sur mobilepayment et sur denisvacher avec pour tag #MP09
http://mobilepayment.typepad.com/paiement_mobile/2009/06/les-startups-du-mobile-payment-09.html
Here is the first scoop : PayByPhone will be launched in France. (see the post below)
post relayé de "Le Paiement Mobile" :
Les startups du Mobile Payment 09
Le programme de la journée du 17 juin (demain) du salon Mobile Payment 09 sera cloturé par la présentation de plusieurs Startups (voir le programme détaillé ici) : TXTrans, Famoco, PayTap, NTX Research, Octopus & Horus, Friendsclear et Paybyphone.
Pour ma part, je participerai à cette présentation car j'aurai le plaisir de vous présenter en avant première l'offre Paybyphone qui va démarrer cet été en France. Paybyphone sera présentée simultanément sur les salons MP09 et Parkopolis (stand Parkeon), je vous attends nombreux ...
Vous pourrez aussi suivre l'évènement sur Twitter sur mobilepayment et sur denisvacher avec pour tag #MP09
http://mobilepayment.typepad.com/paiement_mobile/2009/06/les-startups-du-mobile-payment-09.html
lundi 15 juin 2009
samedi 13 juin 2009
Les operateurs canadiens lancent une solution de m-paiement Zoompass
Via la société Enstream, les opérateurs canadiens lancent groupés une solution désormais classique de type wallet + carte (NFC), baptisée Zoompass. Cout du transfert : 50 cents. Le site vient d'ouvrir et le service client est accessible via twitter. http://twitter.com/Zoompass
Zoompass est disponible aux abonnés de Bell, Fido, PC Mobile, Rogers, Solo et TELUS.
Zoompass est disponible aux abonnés de Bell, Fido, PC Mobile, Rogers, Solo et TELUS.Wireless carriers to offer mobile payment service
mardi 9 juin 2009
Mobile payment for TV, SMS for electricity, Epay, iPhone TPE : zap 9 june
Pour recharger son compte de TV payante, Dish TV (Inde) a choisi la solution de paiement mobile d’Atom Technologies (wallet).
Atom Technologies wins contract from DishTV for mobile payment services in India
http://www.thepaypers.com/news/article.aspx?cid=738552
SMS électrique, on connaissait le SMS allemand pour l’éclairage public, voici le SMS (a priori c’est plutôt de l’USSD) au Rwanda pour prépayer sa consommation (démo sur le lien).
D’une autre source on apprend que ce type de service représente “40 % of Rwandans now buy electricity using the company's services”
A texting entrepreneur embodies spirit of a new Rwanda
http://www.csmonitor.com/2009/0410/p06s01-woaf.html
http://www.smsmedia.rw/products/sms-utility-payment.php
SMS for electricity
http://www.textually.org/textually/archives/2009/06/023789.htm
http://www.swapmobile.co.za/index.html
Au Panama c’est la solution Epay de mobile transfert qui ajoute une carte à son arc
http://www.epayarea.com/
EPAY Launches Their EPAY Debit Card
http://news.prnewswire.com/ViewContent.aspx?ACCT=109&STORY=/www/story/06-09-2009/0005040622&EDATE=
Cote iPhone, une des nouvelles publicités met en avant l’usage de l’iPhone comme terminal carte commerçant
http://www.apple.com/iphone/gallery/ads/#office-large
(merci à PPC’s)
http://pierre-philippe.blogspot.com/2009/06/la-pub-du-nouvel-iphone-3gs.html
lundi 8 juin 2009
Zain plans cross-border money transfer service
Le mobile money transfert cross-border est un peu la nouvelle frontière, compte tenu des problèmes de régulations domestiques et de blanchiment. Dans cette course Zain annonce une avancée : "With ZAP, Zain customers will soon be able to make cross-border payments and transfers between Kenya, Tanzania and Uganda with no extra charge".
Zain plans cross-border money transfer service
http://www.busiweek.com/index.php?option=com_content&task=view&id=1645&Itemid=1
Zain plans cross-border money transfer service
http://www.busiweek.com/index.php?option=com_content&task=view&id=1645&Itemid=1
samedi 6 juin 2009
Mobile Wallet : Turkcell, Viet-Union, BillToMobile, Cellcom
Quelques nouvelles sur des solutions souvent déjà annoncées :
Turkcell annonce le lancement d'un wallet sur mobile pour 2010 (orienté péage), à noter que cette annonce illustre une nouvelle fois le dynamisme technologique turc.
Turkcell to launch new Mobile Wallet system in 2010
Celcom (Malaisie) lance un système de transfert d'argent via USSD baptisé AirCash (plus de détails via le lien)
Celcom launches mobile money transfer service
Danal a signé aux US avec un premier operateur mobile pour son système de paiement internet de biens reporté sur la facture opérateur : BillToMobile
Danal's BilltoMobile payment service to enter US market
Le wallet internet et mobile Payoo se déploie au Vietnam.
VietUnion signs e-wallet service agreement with four local banks
mardi 2 juin 2009
lundi 1 juin 2009
Paypal : central bank and regulation authority for virtual currencies ?
Poursuivons notre plongée dans l'univers des banques de monnaies virtuelles. Voici 3 exemples intéressants :
- MMO Sale : c'est un courtier en monnaies virtuelles, il met en avant son statut Paypal (avec lien sur son statut officiel maintenu à jour par paypal) pour rassurer le client acheteur (à l'instar d'un numero de license e-money pour un site d'e-money).
http://www.mmosale-fr.com/mmosale_pic/paypal_fr.gif
http://www.mmosale-fr.com/mmosale_pic/paypal_fr.gif- Virbank : une banque de monnaies virtuelles, qui permet l'achat et la vente : avec cotations et cut-off time pour le règlement, et dont voici un extrait des FAQ :
"Vente d'Argent Virtuel
Comment vendre ma monnaie à Virbanks? Pour vendre votre monnaie à Virbanks, vous devez aller sur la page de vente utilisée pour calculer les prix de la monnaie virtuelle. Cliquez ici pour être redirigé sur la page de vente. Entrez simplement la somme que vous voulez vendre (prenez soin de vérifier les unités de vente! Par exemple si vous vendez dans Final Fantasy 1 million de Gil, elles vont être entrées comme 1000K, et pour Star Wars, 6 millions de crédits seront entrés comme 6. Puis cliquer pour obtenir une offre pour votre somme (valide pendant 30 minutes).
Combien de temps cela prend-il pour recevoir le paiement une fois que jai livré ma monnaie? Généralement, nous envoyons le paiement tous les jours à 20:00 PST suivant la prise en charge de la marchandise. Si vous avez attendu le paiement au-delà de 36 heures, nhésitez pas à venir demander des renseignements sur notre live chat, ou par email."
- MMODO : c'est aussi un courtier mais ce qui est intéressant c'est qu'en plus de paypal pour acheter des devises virtuelles (qui est sur toute ces plateformes) il propose le virement SEPA !
zeevex : une monnaie universelle pour les gamers ?
ThePaypers nous annonce que Zeevex a été retenu comme monnaie virtuelle par un groupe de media. Comme l'évoquait Lisa Rutherford (CEO de TwoFish) la guerre pour la monnaie universelle est lancée, et dans cette bataille Zeevex tente un positionnement particulier, à savoir il se positionne d'entrée de jeu comme la monnaie des gamers.
Beckett Media selects Zeevex for micropayment services delivery
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