New Mobile Commerce Industry Outlook Presented at PrePaid Press Expo in Las Vegas


A detailed forecast and quantitative analysis of the emerging Mobile Commerce industry was presented and discussed at the Pre Paid Press Expo in the Paris Hotel in Las Vegas, and the results were remarkable. Mobile payments and mobile commerce have become different products, applicable to different markets. One of the key differences is the use … Continue reading New Mobile Commerce Industry Outlook Presented at PrePaid Press Expo in Las Vegas

Google, Mastercard, VeriFone, and (Many) Others Create a Third Mobile Commerce Format


Mobile commerce in the United States will have three Mobile commerce products,  each with similar features, similar benefits, similar functions.  However, all three have different sets of partners,  operate on at least two different types of networks, and will certainly have three different delivery systems.   It’s like a triangular boxing ring with the  boxer in … Continue reading Google, Mastercard, VeriFone, and (Many) Others Create a Third Mobile Commerce Format

Will Retailers Use “Tender Steering” to Control Interchange Fees?


A process called “tender steering” is new to most retailers.  It means that a retailer can provide incentives to customers to use a particular type of card to pay.  This method could give retailers the power to drive interchange rates down by driving customers to some types of cards and away from others. You might … Continue reading Will Retailers Use “Tender Steering” to Control Interchange Fees?

Mobile Payments Strategy of Mastercard is Crystallizing


For over two years now, conventional wisdom and industry pundits agreed that the general strategy of MasterCard and Visa would attempt to make mobile payments simply another form factor of a credit or debit account. The tactics that these companies would use to accomplish this strategy, however, had been the subject of extensive speculation and … Continue reading Mobile Payments Strategy of Mastercard is Crystallizing

Combining Payments and Loyalty Programs


The first pictures of the Isis mobile wallet are probably many months away from being released to the public. No, the image on the left is neither from Isis nor endorsed by Isis, but it has merit based on recent public statements from the company. Last week, two executives on the Isis management team discussed … Continue reading Combining Payments and Loyalty Programs

PayPal Rolls Out Micropayments- Is Brick & Mortar Next?


PayPal’s announcement yesterday rolls out micropayments (transactions under $12) for online purchases, and further improves their position for a large stake in the mobile payments arena. But how would they leverage this micropayment capability at a brick-and-mortar store? One possibility is the ‘do-it-yourself’ approach, as shown in the diagram. The multi-billion dollar system that supports … Continue reading PayPal Rolls Out Micropayments- Is Brick & Mortar Next?