Go Time for Mobile Wallets?
|
|
- Gabriella Richard
- 5 years ago
- Views:
Transcription
1 Go Time for Mobile Wallets?
2 Introduction Despite a clear desire for the ability to make payments without carrying a conventional wallet, for half of all consumers the concept of a mobile wallet remains a mystery. What is the current and projected status of mobile wallet adoption? What features matter most to credit union members who already are aware of the potential of this technology? And how can Sprig by CO-OP help you meet these expectations and position your credit union for a market that s evolving as it s growing. These pages will provide a concise overview of the state of the mobile wallet, and an introduction to the ways in which Sprig by CO-OP can engage your members with the capabilities they desire. Go Time for Mobile Wallets? 2
3 Contents Mobile Insights CUs Can t Afford to Take a Wait-and-See Approach to Mobile Wallets 4 At a Glance Opening Up About Mobile Wallets 6 Go Time for Mobile Wallets? 3
4 Mobile Insights CUs Can t Afford to Take a Wait-and-See Approach to Mobile Wallets Digital wallets are a hot topic in financial services and with good reason. According to a 2013 Global Study conducted by PayPal, a whopping 86 percent of us would rather leave our traditional wallets at home, if we could, in favor of a mobile alternative. Consumers may like the idea of a mobile wallet, but awareness of existing products is unclear. There is no dominant brand or category-defining product. For credit unions, the challenge is making sure that member engagement with mobile wallets is part and parcel of engaging with their credit unions as the market evolves. Unpacking the Mobile Wallet Mobile wallets represent the area of greatest potential growth for the financial services industry, including credit unions. Before we delve into the mobile wallet, let s define its more familiar predecessor: the online digital wallet. BusinessDictionary.com defines digital wallet as Software that resides on a buyer s computer and holds digital cash, and a digital certificate with a digital signature, as well as billing, shipping and payment information for online transactions. Mobile wallets offer some of the same functionality by using a smartphone instead of a computer. Moving the wallet to a mobile device offers more portability and creates interactive shopping experiences, along with providing basic functions such as payments and identification. For example, a mobile wallet might use geolocation to determine where a consumer is shopping, pull relevant coupons and loyalty cards for that store, present cardless payment options, and even facilitate the transaction. Another commonly cited mobile wallet feature is person-to-person payments. Friends attempting to split a dinner check no longer have to reach for their cash or ask the server to split the bill between different credit cards. They simply exchange money via their smartphones, using their mobile wallets. (PayPal s study found that 54 percent of Americans say they ve been stiffed by someone, most often by friends who intended to split a restaurant check with them. Mobile wallets may provide the immense service of reducing social bad debts!) For a mobile wallet to be useful, of course, it has to connect with merchants and other wallets. A mobile wallet isn t really working at optimum capacity if it doesn t connect with a wide range of merchants and the individual people with whom the user wishes to exchange money. Expectation: What do Consumers Want? Now that we ve seen how mobile wallets might work, let s consider what consumers expect from mobile wallets. First, a question: Is there actual demand for mobile wallets, or is this a solution in search of a problem? Answer: As stated in the beginning, 86 percent of Americans would prefer to leave their wallets at home. Top places they want to go wallet-free: the beach, the gym (or wherever they re exercising), the laundromat, the grocery store and restaurants. Consumers might want the utility of a mobile wallet, but they re unsure how to get it. According to a Spring 2013 CMB Consumer Pulse study, The Mobile Moment: Barriers and Opportunities for Mobile Wallet, only 50 percent of consumers surveyed even knew what a digital wallet was. This lack of awareness leads to lack of usage. Thus, mobile wallets haven t really exploded on the scene yet. Only 16 percent of CMB Consumer Pulse respondents had used a mobile wallet in the past six months. continued... Go Time for Mobile Wallets? 4
5 Apparently, there is a gap between the large number of consumers who expect to abandon their regular wallets and the minority who are ready to try one out now. What s the problem? A raft of concerns (led by security), spotty awareness and current low usage stand in the way of more robust adoption. But this is a growing market. In its report, Mobile Money Transfer & Remittances Business Models & Monetisation Opportunities , Juniper Research expects the average number of active mobile wallet users making domestic transfers in the U.S. and Canada to more than double between 2011 and 2013 going from 2.3 million to 5.4 million. Gartner, Inc. produced its own report, Forecast: Mobile Payment, Worldwide, 2013 Update, and predicted 245 million people worldwide will use mobile payment technology this year, generating 235 billion in transactions. By 2017, Gartner expects the ranks of mobile payment users to reach 450 million, with 721 billion in transactions. These bright predictions assume that the gap between consumer expectation and experience will narrow, making customers more comfortable with the technology and paving the way for its growth to reach its envisioned potential. Credit unions obviously have their work cut out for them as they try to close the gap through information, education and marketing. For credit unions specifically, the best mobile wallet is one that works as part of the financial services package. Credit unions need to embrace this technology or risk losing wallet share entirely to competitors. It will be time, resources and management energy well spent. About the Author Amanda Smith is Senior Technology and Innovation Manager for CO-OP Financial Services. She can be reached at amanda.smith@co-opfs.org and , ext Mobile Wallets Average number of active mobile users making domestic transfers in the U.S. and Canada is expected to more than double between 2011 and Source: Mobile Money Transfer & Remittances Business Models & Monetisation Opportunities , Juniper Research 2.3 million users million users 2013 Go Time for Mobile Wallets? 5
6 At a Glance Opening Up About Mobile Wallets Many credit union leaders already have recognized the potential of mobile wallets. They ve also been hearing from their members about the features that are a priority. Sprig by CO-OP offers the mobile convenience to meet these expectations. In flash polls taken during CO-OP s webinar Go Time for Mobile Wallets? credit union leaders showed their enthusiasm: 44 % of 75 credit union members request P2P Mobile PAYM ENTS TO ANYON E % currently use a MOBILE WALLET 68 % say Me-to-Anyone payments will be IMPORTANT FOR THE NEW Sprig by CO-OP What is your members top request when it comes to mobile wallets? * 44 % 28 % 16 % 4 % 4 % 4 % P2P mobile payments to anyone Pay at a wide range of retail locations Mobile account aggregation & access Mobile rewards/loyalty Other None Which wallets do you use personally? ** Other Don t currently use a digital wallet 5 % 8 % 12 % 11 % 3 % 25 % 35 % % What s the most important feature of the new Sprig by CO-OP? * 68 % Me-to-Anyone Payments 14 % RDC (Remote Deposit Capture) 13 % Real-Time Transfers 5 % Account Aggregation Webinar: Go Time for Digital Wallets, December 10, 2013 *Participants selected one response. **Participants selected more than one response. CLICK HERE To learn more about Sprig by CO-OP, arrange a conversation with a CO-OP Sales Representative. CO-OP Financial Services 9692 Haven Avenue Rancho Cucamonga, CA CO-OPFS.ORG CF1426 Go Time for Mobile Wallets? 6
Digital Wallets In Depth What are they? How do they work? And where do credit unions fit in?
Digital Wallets In Depth What are they? How do they work? And where do credit unions fit in? 1 Today s Presenters CAROLINEWILLARD Executive Vice President, Marketing & Strategy AMANDASMITH Senior Manager,
More informationPaying. on the go: Mobile payments slowly catch on in the United States
Paying on the go: Mobile payments slowly catch on in the United States apan adopted a mobile payment system for mass transit as a way to move millions of commuters through congested stations. Some African
More informationTo receive money, just share your enrolled address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
Consumer FAQs 1. What is Zelle? Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes 1. With just an email address or U.S. mobile
More informationCO-OP Mobile: Mobile App for ipads. April 18, 2013
CO-OP Mobile: Mobile App for ipads April 18, 2013 1 Today s Presenters DIANEZABLIT Product Marketing Manager RANDYTHOMPSON Senior Product Manager 2 Agenda Marketplace Mobile Trends CO-OP Mobile Overview
More informationConsumers Use of Mobile Financial Services 2015
Consumers Use of Mobile Financial Services 2015 Arturo Gonzalez and Ellen A. Merry Division of Consumer and Community Affairs Federal Reserve Board The analysis and conclusions set forth in this presentation
More informationThe future of mobile banking
The future of mobile banking Ludwig Schulze Business Development Corporate Development Office 1 2008 Nokia Amazing growth of mobility Global subscriber s (million) 4 500 4 000 3 500 4 billion in 2009 3
More informationWHY EVERY ONLINE ECOMMERCE STORE NEEDS MOBILE APP?
WHY EVERY ONLINE ECOMMERCE STORE NEEDS MOBILE APP? ABSTRACT Mobile Apps Replacing Ecommerce Websites. Statistics Sales Forecast. Statistics Customer Engagement. What Google Has To Say About Mobile App?
More informationInsights JiWire Mobile Audience Insights Report Q2 2013
Insights JiWire Mobile Audience Insights Report Key Insights Retail Research & Purchase Behaviors 2-5 Consumer-Brand Engagement 6-10 25 % increase in in-store mobile device usage 64 % 80 % Connected Device
More informationThe Future of the Mobile Wallet: Barriers and opportunities for the 2012 next stage of the mobile payment revolution 2015.
The Future of the Mobile Wallet: Barriers and opportunities for the 2012 next stage of the mobile payment revolution 2015 About this study The mobile wallet revolution is well underway, but the winning
More informationMobile Banking and Payments Emerging Trends and Opportunities
Mobile Banking and Payments Emerging Trends and Opportunities VIDEO 2 Introductions Barry O Connell Banking and Payments Strategy Barry focuses on customer, product and channel strategy for banks and payments
More informationTHE BANKING & FINTECH APP MARKET IN THE UNITED STATES
THE BANKING & FINTECH APP MARKET IN THE UNITED STATES BENCHMARKS & ANALYSES JULY 2016 In partnership with 1 INTRODUCTION Rankings and trends in the US banking & FinTech app market According to a Federal
More informationGPS // Guide to Practice Success
ways to use mobile technology to grow your practice in 2013 A Sesame You ve worked hard to make your practice website look great online, but how does it display on your smartphone? Take a moment to pull
More informationWhite Paper. Acceleration in the Mobile Banking and Payments Landscape: Insights and Perspectives from Financial Institutions
White Paper Acceleration in the Mobile Banking and Payments Landscape: Insights and Perspectives from Financial Institutions Since mobile banking and payments first appeared on the financial services landscape
More informationMobile Moving Forward in 2012: Insights from Top-Tier Financial Institutions
White Paper Mobile Moving Forward in 2012: Insights from Top-Tier Financial Institutions Mobile Moving Forward in 2012: Insights from Top-Tier Financial Institutions The proliferation of smartphones, changing
More informationInsights JiWire Mobile Audience Insights Report Q4 2012
Table of Contents Mobile Audience Trends 2-6 Connected Device Adoption & Trends 7-10 Worldwide Location Highlights 11-12 Public Wi-Fi Trends 13 79.5 % of mobile consumers are influenced by the availability
More informationTapping the Mobile Payments Revolution
Tapping the Mobile Payments Revolution Tapping the Mobile Payments Revolution Over three-quarters of UK adults now own a smartphone. And increasingly we re not afraid to use them to pay for goods and services.
More informationGLOBAL MOBILE PAYMENT METHODS: FIRST HALF 2016
PUBLICATION DATE: OCTOBER 2016 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-8 TABLE OF CONTENTS I PAGE 9 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 10 METHODOLOGY I PAGE 11 RELATED REPORTS I PAGE
More information6 th Annual Prepaid Assessment Measuring The 2008 Prepaid Market
6 th Annual Prepaid Assessment Measuring The 2008 Prepaid Market Reviewing Three Reports: Open Loop Assessment Published August 2009 Closed Loop Assessment Published September 2009 2009 to 2012 Forecast
More informationYammer Product Manager Homework: LinkedІn Endorsements
BACKGROUND: Location: Mountain View, CA Industry: Social Networking Users: 300 Million PART 1 In September 2012, LinkedIn introduced the endorsements feature, which gives its users the ability to give
More informationNinthDecimal Mobile Audience Q Insights Report
Q3 2013 Insights Report Research Overview Device Ownership and Usage 2 Consumer CPG Path to Purchase Behaviors 3-11 Mobile Ad Performance 12-13 Connected Device Trends & Adoption 14-15 Worldwide Location
More informationAustralia s thriving. Payout. Payout opportunities without borders TREASURY SERVICES - PAYOUT - PRODUCT GUIDE
Australia s thriving ecommerce Payout market Payout opportunities without borders TREASURY SERVICES - PAYOUT - PRODUCT GUIDE One partner, multiple payout options Which payout solution is right for you?
More informationMObIlE MOnEy PhoTo by istock
mobile money Photo by istock Finding the value in mobile payments for merchants and consumers egan Chesterfield reaches into her purse to pay for a cup of coffee. Instead of a wallet, she pulls out a smartphone.
More informationBusiness Resiliency Strategies for the Cloud. Summary Results September 2017
Business Resiliency Strategies for the Cloud Survey Summary Between May and September, 2017, Gatepoint Research invited selected executives to participate in a survey themed Business Resiliency Strategies
More informationDrivers and Trends in Mobile Payments. MMT APAC Manila, Philippines Lance Blockley 18 January 2011
Drivers and Trends in Mobile Payments MMT APAC Manila, Philippines Lance Blockley 18 January 2011 Mobile payments covers a number of different types of transaction Mobile Proximity Payments Mobile Money
More informationMobile Security / Mobile Payments
Mobile Security / Mobile Payments Leslie K. Lambert CISSP, CISM, CISA, CRISC, CIPP/US, CIPP/G VP, Chief Information Security Officer Juniper Networks Professional Techniques - Session T23 MOBILE SECURITY
More informationMid-Market Data Center Purchasing Drivers, Priorities and Barriers
Mid-Market Data Center Purchasing Drivers, Priorities and Barriers Featuring Sophia Vargas, Forrester Research Inc. 30 May 2014 Introducing today s presenters: Matt Miszewski Senior Vice President of Sales
More informationCMO Briefing Google+:
www.bootcampdigital.com CMO Briefing Google+: How Google s New Social Network Can Impact Your Business Facts Google+ had over 30 million users in the first month and was the fastest growing social network
More informationRoadmap to the Efficient Cloud: 3 Checkpoints for the Modern Enterprise
Roadmap to the Efficient Cloud: 3 Checkpoints for the Modern Enterprise Roadmap for the Modern Enterprise As your AWS environment grows, the importance of instilling governance and following best practice
More informationFACTS & FIGURES FEBRUARY 2014
FEBRUARY 2014 These figures will be updated regularly. - Layar B.V. FEBRUARY 2014 WHAT THE MARKET SAYS ABOUT AUGMENTED REALITY 1. INTRODUCTION At Layar we measure everything that we do and our customers
More informationNavigate our app like a pro. How-to s, guides and more. Certified by J.D. Power* for providing An Outstanding Mobile Banking Experience.
Navigate our app like a pro How-to s, guides and more Certified by J.D. Power* for providing An Outstanding Mobile Banking Experience. Smart phone. Safe banking. Secure access We make keeping your money
More informationWebsite Designs Australia
Proudly Brought To You By: Website Designs Australia Contents Disclaimer... 4 Why Your Local Business Needs Google Plus... 5 1 How Google Plus Can Improve Your Search Engine Rankings... 6 1. Google Search
More informationAndroid Pay. Tap into the world s biggest mobile platform PAYMENT METHODS ALTERNATIVE PAYMENTS
Android Pay Tap into the world s biggest mobile platform PAYMENT METHODS ALTERNATIVE PAYMENTS Why choose Worldpay? the complexities and challenges within the global market consumer needs global and local
More informationBanking Technology Trends
Banking Technology Trends Tuesday, June 18, 2013 3:30 PM 4:45 PM Presented by: Joe Trafton SVP, Chief Strategic Officer COCC 135 Darling Drive Avon, CT 06001 slide 2 slide 3 Bank Return on Equity 16% 14%
More informationINTRODUCTION...3 INSTRUCTIONS...4. SECTION 1 Welcome s...7. SECTION 2 Promotional s SECTION 3 Event Registration s...
Contents INTRODUCTION...3 INSTRUCTIONS...4 SECTION 1 Welcome Emails...7 SECTION 2 Promotional Emails...10 SECTION 3 Event Registration Emails...13 SECTION 4 Transactional Emails...16 SECTION 5 Cart Abandonment
More informationPost PC Era: Mobile Banking & Payments in Emerging Markets. Report Covers: India, Kenya, Indonesia, Ghana and Nigeria
Post PC Era: Mobile Banking & Payments in Emerging Markets Report Covers: India, Kenya, Indonesia, Ghana and Nigeria In emerging markets, formal banking only reaches a small percent of the population,
More information1. Title: Case Study: Successful App Genres in India Subtitle: The most popular types of apps with daily active users
1. Title: Case Study: Successful App Genres in India Subtitle: The most popular types of apps with daily active users 2. Title: Successful App Categories in India Subtitle: The top 5 app categories with
More informationMobile Banking ~ Smart & Secure
WHITEPAPER Mobile Banking ~ Smart & Secure This whitepaper is an extract from: Mobile Banking Handset & Tablet Market Strategies 2013-2017... information you can do business with Mobile Banking ~ Smart
More information360 View on M-Commerce. Presented by S. Baranikumar
360 View on M-Commerce Presented by S. Baranikumar Having multiple channels is important for the future 7 in 10 ecommerce consumers use their mobile phone or smartphone to research online and 1/10 use
More informationThere s No Reason Not to Localize State of Localization Benchmark Survey
There s No Reason Not to Localize State of Localization Benchmark Survey Transifex 2014 Click me TM Localization Benchmark Study 2014 The concept of localization is becoming more important as we all become
More informationOnline Marketing Strategies to Increase Sales & Guest Loyalty. Monday, March 8, 2010
Online Marketing Strategies to Increase Sales & Guest Loyalty Monday, March 8, 2010 Fishbowl Cocktail Facts 10 years old, 130+ employees Alexandria, VA based Product Suite includes Email Marketing, Social
More informationMobile: measurability unlocks spending
Mobile: measurability unlocks spending Gabriella Bergaglio TNS Digital Practice Lead Cristina Colombo TNS Consumer Insight Director IAB Forum 2013 Milan, 3rd-4th December TNS 2013 Storyline 1 Device penetration
More informationThe Monetisation of Portability and Verification in an A2P SMS World
The Monetisation of Portability and Verification in an A2P SMS World A whitepaper by Sponsored by Whitepaper The Monetisation of Portability and Verification Abstract Contents Abstract 2 3 5 6 10 10 11
More informationThe Next Generation of Mobile Learning. Tamar Elkeles, Qualcomm Kevin Oakes, i4cp
The Next Generation of Mobile Learning Tamar Elkeles, Qualcomm Kevin Oakes, i4cp About i4cp i4cp focuses on the people practices that make high performance organizations unique. High-performance organizations
More informationEricsson in financial services
Ericsson in financial services UPU presentation, November 5 th, 2014 Patrik Centellini Head of Business Development Ericsson M-Commerce patrik.centellini@ericsson.com at a glance MOBILE INFRASTRUCTURE
More informationSurvey Guide: Businesses Should Begin Preparing for the Death of the Password
Survey Guide: Businesses Should Begin Preparing for the Death of the Password Survey Guide: Businesses Should Begin Preparing for the Death of the Password The way digital enterprises connect with their
More informationWill Mobile Phones Replace Cards?
Will Mobile Phones Replace Cards? Bastian Knoppers, Senior Vice President Card Personalization and Fulfillment, FIS Soren Bested, Managing Director Monitise Americas Kevin Morrison, Senior Vice President
More information2017 Aid for Trade - Partner Country Questionnaire SurveyMonkey
#31 COMPLETE Collector: Web Link 1 (Web Link) Started: Thursday November 24 2016 10:44:53 AM Last Modified: Thursday November 24 2016 11:28:12 AM Time Spent: 00:43:19 IP Address: 192.91.247.212 PAGE 5:
More informationInformed Delivery Overview
Informed Delivery Overview National PCC Week Workshop Informed Delivery is bridging the gap between the physical and digital worlds! This feature is creating an innovative experience for consumers and
More informationAdobe Security Survey
Adobe Security Survey October 2016 Edelman + Adobe INTRODUCTION Methodology Coinciding with National Cyber Security Awareness Month (NCSAM), Edelman Intelligence, on behalf of Adobe, conducted a nationally
More informationPerception Gap Who are the financially excluded or underserved across Indonesia?
Perception Gap Who are the financially excluded or underserved across Indonesia? Who are the financially excluded or underserved across Indonesia? Huge diversity of this group, both in terms of the people
More information2014 USPS Mailing Promotions
2014 USPS Mailing Promotions U S Postal Service Goes Mobile in 2014! By: James H Jamie Cutburth USPS-HQ Sr. Sales Executive Marketing Innovations & Shipping Solutions Desk: 503-294-2336, Mobile: 503-816-8933
More informationAFRICA The Next Digital Payments Revolution
Your source for payments education AFRICA The Next Digital Payments Revolution Rossini Zumwalt, MD, Chief Payment Officer EMERGENT PAYMENTS Why Africa? Why Now? Emerging middle class Exponential population
More informationINNOVATING TODAY FOR TOMORROW S MAIL Gary Reblin Vice President, Product Innovation United States Postal Service
1 INNOVATING TODAY FOR TOMORROW S MAIL Gary Reblin Vice President, Product Innovation United States Postal Service 2 THE WORLD IS CHANGING Our increasingly digital and mobile-first world is driving huge
More informationHow Your Organization Can Drive Success in the Age of Digital Disruption
How Your Organization Can Drive Success in the Age of Digital Disruption Produced by How Your Organization Can Drive Success in the Age of Digital Disruption Digital success isn t just about technology,
More informationCLOSING IN FEDERAL ENDPOINT SECURITY
CLOSING IN FEDERAL ENDPOINT SECURITY More than half of agency IT officials worry about cyberattacks involving endpoint devices as a means of accessing agency networks. Yet many aren t taking advantage
More informationMDES to support converged wallets CEESCA 2015 Dubrovnik
László Szetnics, MasterCard Europe 30 September 2015 MDES to support converged wallets CEESCA 2015 Dubrovnik From the basics to the latest P2P Digitization MCBP NFC HCE PAN MasterPass Token DSRP MDES MDEXpress
More informationMobile Payment in a cashless future Trends/Benefits/Solutions
Mobile Payment in a cashless future Trends/Benefits/Solutions Carol Wan 20 th September 2018 Company Overview Headquartered in Hong Kong Founded in 1925 HKT Trust was listed on the Hong Kong Stock Exchange
More informationDoylestown, PA ROI Goalsetter is a registered trademark of FulcrumTech, LLC.
How to Power Up Your Email- Marketing ROI www.fulcrumtech.net 215-489-9336 Doylestown, PA ROI Goalsetter is a registered trademark of FulcrumTech, LLC. How to Get More Out of Your Email- Marketing Dollars
More information2010 Online Banking Security Survey:
2010 Online Banking Security Survey: ZeuS-Like Malware Rapidly Outpaces All Other Online Banking Threats PhoneFactor, Inc. 7301 West 129th Street Overland Park, KS 66213 1-877-No-Token / 1-877-668-6536
More informationThe changes in payments over the next three to five years will dramatically alter the way credit unions interact with their members.
CONCEPT DOCUMENT TEAM MEMBERS Sandra Sagehorn-Elliott, Bellco Credit Union Ray Springsteen, Fort Knox Federal Credit Union Jennifer Kulkoski, First Financial Credit Union Josh McAfee, Leaders Credit Union
More informationMore%than%one%third%of%mobile%consumers%comparison%shop%on%while%in5store%
Table of Contents Location-Based Trends 2-3 Mobile Shopping Behavior 4-5 Connected Device Adoption 6-9 Worldwide Location Highlights 10-11 Special Report: Automotive 12-14 On-the-go consumers comparison
More informationThe data quality trends report
Report The 2015 email data quality trends report How organizations today are managing and using email Table of contents: Summary...1 Research methodology...1 Key findings...2 Email collection and database
More informationPerception Gap Who are the financially excluded or underserved across Nigeria?
Perception Gap Who are the financially excluded or underserved across Nigeria? Who are the financially excluded or underserved across Nigeria? Huge diversity of this group, both in terms of the people
More information2013 NATIONAL ONLINE SAFETY STUDY
2013 NATIONAL ONLINE SAFETY STUDY Methodology and Sample Characteristics The National Cyber Security Alliance has conducted a new study with PayPal to analyze the cyber security behaviors and perceptions
More informationGlobal Prepaid Card Market with Focus on The United States ( ) April 2016
Global Prepaid Card Market with Focus on The United States (2016-2020) April 2016 Global Prepaid Card Market Report Scope of the Report The report titled Global Prepaid Card Market with Focus on The United
More informationThe Power of the Inbox Tips and Tricks for Successful Marketing
The Power of the Inbox Tips and Tricks for Successful Email Marketing Constant Contact 2015 Kimberly Beer Contact me: Midnight Productions, Inc & Constant Contact President, Constant Contact Authorized
More informationConsumer Opinions and Habits A XIRRUS STUDY
Consumer Opinions and Habits A XIRRUS STUDY Executive Summary With more devices on the planet than people, it goes without saying that wireless is no longer a bonus - it s a necessity. By the end of 2015,
More informationWhen Worlds Collide Payments meet mobile Osman Inegol, Mobile Business Unit
When Worlds Collide Payments meet mobile Osman Inegol, Mobile Business Unit Croatia, Israel, Romania and Turkey Zadar 17 September 2013 Agenda 1 What does Visa Europe do? 2 What is Visa Europe s vision
More informationKeep in touch by -- without a computer!
Keep in touch by email -- without a computer! EMAIL MADE EASY! NO COMPUTER REQUIRED. Easy to afford, easy to use, no computer or computer skills required. Using email doesn t have to be any more complicated
More informationMail Findings. Australia Post Consumer Survey. Research into consumer preferences of marketing and transactional communications.
Australia Post Consumer Survey Mail Findings May 2013 Australia Post Consumer Survey Mail Findings Research into consumer preferences of marketing and transactional communications. Methodology The Australia
More informationMDM is Calling: Does Your Business Have an Answer? arrival. Here To Go. Lunch Dinner. continue. Riiinnggg. Dec. 12
MDM is Calling: Does Your Business Riiinnggg arrival flight itinerary PLACE ORDER Here To Go Lunch Dinner continue Dec. 12 Riiinnggg Office answer MDM is Calling: Does your Business MDM is Calling: Does
More information74% 2014 SIEM Efficiency Report. Hunting out IT changes with SIEM
2014 SIEM Efficiency Report Hunting out IT changes with SIEM 74% OF USERS ADMITTED THAT DEPLOYING A SIEM SOLUTION DIDN T PREVENT SECURITY BREACHES FROM HAPPENING Contents Introduction 4 Survey Highlights
More informationPresenter: Tom Foti, U.S. Postal Service Please standby the webinar will begin shortly.
Mail Innovations and 2014 USPS Promotions January 21, 2014 3:30 4:30 p.m. ET Presenter: Tom Foti, U.S. Postal Service Please standby the webinar will begin shortly. To ask questions during the webinar,
More informationInformed Delivery. June 2018
Informed Delivery June 2018 Informed Delivery offers an integrated marketing approach to meet today s consumer demands. 1 https://www. BeyondCubicle.com What is Informed Delivery? e Informed Delivery users
More informationCICS insights from IT professionals revealed
CICS insights from IT professionals revealed A CICS survey analysis report from: IBM, CICS, and z/os are registered trademarks of International Business Machines Corporation in the United States, other
More informationMobile Money Understanding successes and failures
Tech@State: Mobile Money Understanding successes and failures August 2010 M-PESA Revenue (millions USD) M-PESA Registered Users (millions) M-Pesa Kenya is well known 60.0 50.0 M-PESA Revenue and Subscriber
More informationMobile Payments. Moving at the Speed of Innovation. Eric Kuhn, Enterprise Digital Product Development April 2017
Mobile Payments Moving at the Speed of Innovation Eric Kuhn, Enterprise Digital Product Development April 2017 Agenda Mobile Payments Landscape Why Your Digital Products are Essential for Growth How to
More informationOPIS CONFERENCES FAQs
OPIS CONFERENCES FAQs I have a specific question: How can I speak with someone at OPIS directly? Customer service representatives are standing by to answer all of your conference related questions. Please
More informationGold finger: Fingerprints lead biometric authentication
Gold finger: Fingerprints lead biometric authentication The use of fingerprint authentication on smartphones has surged. As of mid-2017, 28 per cent of all smartphone owners aged 16-75 used fingerprint
More informationBusiness & Technology Trends & Innovations: How Credit Unions Can Compete to Win! Mark Sievewright July 18, 2014
Business & Technology Trends & Innovations: How Credit Unions Can Compete to Win! Mark Sievewright July 18, 2014 2 Game Changers The 7Cs of Change: Consolidation Convergence Customer Shifts Competition
More informationThe Rule: Keep Customers Keep Revenue
munit m o C r u o Y loser to C s s e in s u B ur Bringing Yo y The Rule: Keep Customers Keep Revenue You ve done the hard work, you advertised your business, established a solid social media presence and
More informationGain Control Over Your Cloud Use with Cisco Cloud Consumption Professional Services
Solution Overview Gain Control Over Your Cloud Use with Cisco Cloud Consumption Professional Services OPTIMIZE YOUR CLOUD SERVICES TO DRIVE BETTER BUSINESS OUTCOMES Reduce Cloud Business Risks and Costs
More informationI Shopping on mobile / RU
I Shopping on mobile / RU Exploring how people use their smartphones for shopping activities Q3 2016 I About this study Background: Objective: Mobile apps and sites are a vital channel for advertisers
More informationA Step By Step Guide To Use PayPal
A Step By Step Guide To Use PayPal Table of Contents Introduction... 3 Creating an Account... 4 PayPal Verification... 5 Verification Process... 5 Utility of Each Account... 7 Transfer of Funds... 8 Checking
More informationMOBILE WALLETS. The Future of Cash. Whitepaper.
MOBILE WALLETS The Future of Cash Whitepaper www.juniperresearch.com 1 1.1 Introduction With the arrival of Apple Pay, interest in mobile wallets has been rekindled. In developed markets, an array of stakeholders,
More informationDal Web alle Apps. Michele Marrone. 24 November 2010
Dal Web alle Apps Michele Marrone 24 November 2010 Copyright 2010 Accenture All Rights Reserved. Accenture, its logo, and High Performance Delivered are trademarks of Accenture. From Web!.. - Year 2010
More informationKey Findings from the Global State of Information Security Survey 2017 Indonesian Insights
www.pwc.com/id Key Findings from the State of Information Security Survey 2017 n Insights Key Findings from the State of Information Security Survey 2017 n Insights By now, the numbers have become numbing.
More informationPopmoney FAQs. What is Popmoney?
Popmoney FAQs What is Popmoney? Popmoney is an innovative personal payment service that eliminates the hassles of checks and cash. Now, sending money is as easy as emailing and texting. And, you don't
More information19 th Year of Publication. A monthly publication from South Indian Bank.
To kindle interest in economic affairs... To empower the student community... Open YAccess www.sib.co.in ho2099@sib.co.in A monthly publication from South Indian Bank 19 th Year of Publication SIB STUDENTS
More informationSecurity Solutions for Mobile Users in the Workplace
Security Solutions for Mobile Users in the Workplace 1 1 Multitasking means multiple devices for busy end users Introduction Cloud computing helps organizations operate with less infrastructure, reducing
More informationGLOBAL PKI TRENDS STUDY
2018 GLOBAL PKI TRENDS STUDY Sponsored by Thales esecurity Independently conducted by Ponemon Institute LLC SEPTEMBER 2018 EXECUTIVE SUMMARY #2018GlobalPKI Mi Ponemon Institute is pleased to present the
More informationThe Money Is in the Square Cash Lets Users Funds to Friends
The Money Is in the Email Square Cash Lets Users Email Funds to Friends By: WALTER S. MOSSBERG October 15, 2013 Square now has a service that makes transferring money to a friend as easy as sending them
More informationHow to place an order on CSI s online store
How to place an order on CSI s online store Store website http://store.csionline.org/ 1. Click on account, then log in 2. Create an account or LOGIN using your currently registered email and password.
More informationHow To Get The Most Out Of Asia Pacific s ecommerce Boom
How To Get The Most Out Of Asia Pacific s ecommerce Boom AGENDA Understanding the APAC Region Spotlight on the South East Market Spotlight: Indonesia Market Spotlight: Thailand Market Spotlight: Vietnam
More informationMagento: A Year in Review
Magento: A Year in Review Magento Presents: Community Insights Brought to you by: Magento is proud to present Community Insights to help merchants develop strategies and tactics to better serve their customers.
More informationOnline International Remittance (OIR) FAQs
Online International Remittance (OIR) FAQs 1. When Energy CU members see that Interac e-transfer logo, they may expect to be able to send an international e-transfer from their account to a recipient account.
More information7/11/14. Presented by: Overview. Writing effective subject lines Creating good body copy Choosing HTML vs. Plain Text s
Overview Writing effective subject lines Creating good body copy Choosing HTML vs. Plain Text emails Presented by: SurveyGizmo Online Academy Reducing spam complaints Managing email lists Testing emails
More information2017 Site Selectors Guild State of Site Selection Trend Survey Report
2017 Site Selectors Guild State of Site Selection Trend Survey Report December 2017 www.siteselectorsguild.com The Site Selectors Guild is the world s largest association of business location experts.
More informationRISK MANAGEMENT Education and Certification
RISK MANAGEMENT Education and Certification aba.com/risked 1-800-BANKERS A new type of risk management professional is now in demand one that can demonstrate a thorough understanding of the complexities
More informationSAMPLE HEADLINE SAMPLE SUBHEAD TRAINING GUIDE
SAMPLE HEADLINE SAMPLE SUBHEAD TRAINING GUIDE Who is Consumer Cellular? Headquartered in Portland, Oregon, Consumer Cellular has been offering no contract, post-paid wireless service for over 20 years.
More information