Mobile Web

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May 28, 2016

Why Mobile Wallets Are Superior to Chip and PIN

 

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As banks and retailers try to avoid credit card fraud by turning to technologies like chip-enabled cards, mobile wallet solutions are still not being embraced as much as they should be.

Recently, banks launched their defense against credit card fraud by leaving the ramifications of fraudulent charges for the merchants to deal with. Merchants have thus been upgrading their equipment to accept credit cards with chips in hopes that the new and more secure technology will keep their customers’ account information secure, and customers coming back to their stores.

The problem with chip-enabled credit cards is that they’re slow to process. In the restaurant business and other industries that rely on being able to provide prompt service, seconds can add up and matter. 

 

Waiting Times for Chip-Enabled Card Processing

Imagine a grocery store clerk having to wait up to ten extra seconds for a chip-enabled credit card to process before it signals the receipt to print. Think about the frustration the clerk might endure and the delays the customers might experience. Why is this new and improved technology so slow? It has to do with the security processes. And while enhanced protection is a good thing, we think there are better solutions.

When a customer slides a chip-enabled credit card into the machine’s slot, the chip generates a one-time code that is sent to the bank over a secure network. The bank then confirms the code and sends the verification back to the machine; the customer is then able to walk off with goods or services.

 

Apple Pay and Samsung Pay as an Alternative

Instead of waiting eight seconds for a chip-enabled credit card to process, customers with iPhones, or Samsung or Android smartphones, can use mobile wallet applications at many retail locations to check out quickly. Apple Pay and Samsung Pay take about three seconds to process a transaction. Android Pay takes around seven seconds. We’ve even heard accounts of some mobile wallet processing taking only 2.4 seconds.

Granted, the length of time required to process chip-enabled credit cards is due in part to the fact that you have to insert the card, wait until the transaction is approved before signing, and then remove the card. It’s not the processing itself that takes all the time. But, with mobile wallets, all you have to do is have your app ready, tap, and scan. Of course, not all merchants take Apple Pay, Samsung Pay, or Android Pay. So, you’ll have to check for these logos on the merchants’ cash registers or research ahead of time to see which ones use the services.

Samsung Pay is the mobile wallet that’s accepted by most merchants, because it makes use of magnetic secure transmission. This technology produces a magnetic signal that acts like the magnetic strip on traditional credit cards, which means most credit card machines can read it. More banks support Apple Pay than Samsung Pay or Android Pay. Android Pay’s advantage is that it can operate on Android devices, Samsung phones, and even iPhones and Apple Watch. 

Staying on top of security, technology, and other aspects of life comes down to looking ahead and trying to predict where things are going, not focusing solely on where things are now. Hence, it might be best to ditch the old credit card solution for good in favor of mobile wallet technology, which can be used securely on the devices that seem to run so much of our lives.

May 27, 2016

Using SMS Messaging as Customer Service Tool

 

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It’s only when you stop to reflect what life was like ten years ago that you realize just how far SMS messaging has come. Back then, text messages were still primarily used for interpersonal communication between friends and family. Now, all kinds of businesses use SMS for all kinds of reasons, all of which enhance the customer experience and just make life easier for everyone. 

Think about the text messages you receive that aren’t from people you know personally. Banks send statements and fraud alerts; taxi drivers and ride-sharing services let you know they’ve arrived via text; healthcare providers send appointment reminders and everyone from airlines and travel companies to concert promoters and delivery services send confirmations by SMS.

The reason all these organizations are using text messaging over other forms of communication is very simple: people actually read their texts. Further, most people actually read ALL of their texts - and they usually do it within a few minutes of receipt. That fact is music to the ears of marketers in any industry, when you consider how routinely commercial emails are trashed, ignored, or junk filtered before they even had a chance. With SMS, around 90% of all messages are opened and read within three minutes. And since a similar percentage of the population owns a cellphone, using it as an effective way to reach people is a no-brainer. 

And yet, one-to-one customer support is one area where SMS messaging has been slow to take off - thought that’s beginning to change. So it should, because the potential is considerable.

 

SMS Customer Service is Win-Win

Firstly, every consumer out there is a candidate for SMS communication. It doesn’t require a smartphone, so even the most committed feature phone acolyte can be reached, and 2G networks are still the most reliable. Because of the 160 character restriction, a text message doesn’t demand too much of the recipient. There’s no action required - the recipient can consider the information and make their choice as to whether it’s relevant. If not, they can opt out of receiving future messages from the brand. 

Businesses love SMS because of the aforementioned high read rate, and the personal, informal tone generally expected of the information contained therein. A mobile marketing campaign centered around text messages is also incredibly cheap compared with more traditional mass media strategies. 

But while the benefits of SMS as a marketing strategy are well understood, we’re only just beginning to see customer service-based applications of the technology. Airlines have rightly spotted the aptness of text messaging for letting passengers know about delays and cancellations. Some have started using text messaging to help reduce wait times at check in, and provide passengers with a way of interacting with the airline that doesn’t require a tedious phone call.

May 14, 2016

Mobile Technology Is Helping Science Understand More About Parkinson's Disease

 

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A new iPhone app called mPower is giving scientists more insight than ever into the capacities and challenges of people living with Parkinson’s. Nonprofit Sage Bionetworks is a biomedical research organization that collected an unparalleled amount of data through its mPower app, which included a dataset comprised of the daily experiences of more than 9,500 Parkinson’s sufferers. This dataset offers more valuable information than any other study on Parkinson’s has provided, as it takes into consideration millions of data points that were collected on an almost continuous basis through the mhealth (mPower) platform.

 

Unprecedented Data

Sage Bionetworks says that its researchers, through the use of the mobile technology marvel mPower, have received an unprecedented look into the activities and day-to-day changes that Parkinson’s sufferers experience as they deal with their condition.

In the past, Parkinson’s researchers typically relied on small-group studies and data, which included participants in only about the 100-person range. With mPower, scientists are able to view and study data on a larger scale, and the scope of the research is giving more clues as to how Parkinson’s sufferers deal with challenges and treatment pertaining to speech, dexterity, memory, gait, and balance.

 

How Does mPower Collect Data?

The mPower app collects data on the abilities or disabilities of Parkinson’s sufferers in a variety of ways, all with the intent of helping the estimated seven-plus million people living with the disease improve speech, put an end to tremors, strengthen memory, and help other degenerative conditions. 

The app evaluates dexterity by asking users to do a speed-tapping exercise, which the iPhone’s touchscreen turns into data for researchers. To measure speech ability, users talk into their iPhone’s microphone and record their pronunciation of vowels (and other difficult parts of speech) for 10 seconds. They also use mPower to track their medication intake and to see if abilities improve after taking the drugs.

The mPower app gathers data, and scientists and doctors use it to research Parkinson’s on an ongoing basis. Participants using the app are able to control who sees their data, and intended data researchers include mPower-affiliated doctors and scientists, as well as specified researchers worldwide. 

The data collected has already helped researchers view symptom variations that could assist them in intervening in ways never before considered. The mPower app, along with additional text messaging health services that encourage people to stay in communication with doctors regarding their health, has the potential to offer big breakthroughs in Parkinson’s treatment and the treatment of other diseases. 

 

May 11, 2016

The Hottest New Trends in Mobile Marketing

 

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The mobile revolution has taken serious root, with marketers scrambling to make their websites mobile-friendly, create new and exciting apps, and otherwise drive traffic and increase revenue through mobile means. This is the mobile age, and with that in mind let’s check out some of the hottest new trends taking over mobile marketing: 

 

“Smarter” Social Messaging Apps

There’s greater selection regarding social messaging apps than ever before, with options now including Snapchat, WhatsApp, Kik, Peach, WeChat, and Facebook Messenger. People chat anytime, anywhere in today’s world, and about half of mobile phone users in the United States are predicted to rely on mobile messaging by the end of the year. The evolution of social media apps is already evident in China, where 91% of Internet users favor instant messaging over search. 

Platforms allow users to send multimedia messages, make payments, or use video call. They’re even used as interfaces for bot-driven interactions. 

 

Blurring Lines Among Apps, Social Media, And E-Commerce

Integration among apps and their social media and e-commerce outlets is a hot new mobile trend this year. Many social platforms are linking e-commerce features into their social media networks, such as Instagram’s “Shop Now” feature and Pinterest’s “Buyable Pins.” People didn’t used to shop on social media platforms, but the more seamless the integration, the more likely shopping on such platforms will become the norm. 

 

Branded Keyboards

A wide variety of branded keyboards are available through a mobile device’s app store, and function as ideal branding options. They allow companies to remain where they want, i.e. in consumers’ faces, without being a source of interruption or annoyance. App use equals keyboard use, meaning this type of branded engagement is far-reaching. Recent research indicates the average mobile device user works on the keyboard over 100 times per day, with branded keyboard leader Kibo seeing millions of downloads a month. And that was just in the company’s first year of operation. 

 

Apps=Lifestyle Reflections

In 2016 apps are expected to become integral parts of consumer lives as opposed to individual features that people turn to on occasion. Examples of apps as “lifestyle reflections” include fitness apps that offer weather alerts before a run and remind the person it’s time to pick up the dry cleaning. 

Lifestyle apps also increasingly indicate values. Think of consumers saying “I’m a proud fan or supporter of [x and y], which is why I use these [branded] apps.” 

 

More From Search Engine Results

Videos are already cropping up in Google’s search results, but the media giant is going a step further by experimenting with video ads. Should consumers take to video ads appearing in their search results, apps may also make appearances in SERPs. App directories and recommendations are already there, however apps as part of search engine results is a whole other thing. Such implementation will provide stores and directories with an exciting new set of opportunities. 

These and other trends are changing the marketing landscape, and mean marketers must remain that much more aware of current and future mobile trends. 

 

May 10, 2016

Text Messaging Can Help Reduce Hospital Stays

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Paging a doctor or physician has been the primary means of communication in hospitals for many years. If you’ve been to a hospital, or watched your fair share of General Hospital or Grey’s Anatomy, you know how this goes. But there are a lot of breakdowns and loopholes in this process; understanding and closing these gaps was what one study set out to do, by integrating secure text messaging.

 

Secure Text Messaging 

The Perelman School of Medicine at the University of Pennsylvania conducted the study, which was recently published in the Journal of Internal General Medicine and authored by several physicians, including Mitesh S. Patel, MD, MBA, MS.

The study included more than 10,000 patients at the Hospital of the University of Pennsylvania and Penn Presbyterian Medial Center; both facilities participated in the yearlong study that took place between 2013 and 2014.

In addition to discussing the importance of closing these time-sensitive gaps in coordination, the study concluded that better communication resulted in reduced time at the hospital for most patients; patients whose care teams used the secure text messaging systems left the hospital .77 days earlier, according to the report. 

 

Why Now?

Until recently, email and SMS text messaging platforms were strictly prohibited by hospitals. Most platforms didn’t offer the security features needed to align with current regulatory polices. But as mHealth and mobile communications have developed, many of these issues have been resolved. 

The advancement of mobile technology, smartphones, and wireless communication preempted a lot of issues in the healthcare industry. According to Dr. Patel, it’s about time the medical field caught up with the 21st century. 

“Many forms of communications within the hospital are shifting mediums in part due to the rising adoption of smartphones and new mobile applications,” said Patel. 

 

A Communication Correlation 

Until this study, whether hospitals were using mHealth platforms like SMS or not, most physicians were unaware of any link mobile technology might have with the real time a patient spent in a hospital. Thanks to Patel and the co-authors of the study, that link has been significantly illustrated. 

“Healthcare innovation is more than just using the newest smartphone app,” explained co-author David A. Asch, MD, MBA. “It involves carefully designed implementation and thoughtful evaluation of its impact on clinical care.”

Medical teams can use these secure text-messaging programs to communicate in groups with various healthcare providers simultaneously. They can share data and patient history and gain more immediate access to information. Less waiting for the doctors means less waiting for the patient, freeing up hospital beds that are already in short supply

Using mHealth devices and technology is the most likely solution for many issues currently faced by our healthcare system. It’s likely that future studies will illuminate even more ways in which these devices affect patient care and treatment plans. 

May 04, 2016

Technologies That Changed Retail

 

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In 2016, global business to consumer e-commerce sales is expected to reach $1.92 trillion. As impressive as this figure from Statista is, that’s millions of lost in-store experiences and missed customer service conversations. In an age of convenience, it can be easy to forget about what you might be missing.

Many shoppers enjoy walking down the aisles of large retail stores, checking prices and talking to people. They also like to touch the things they plan on buying. For every gained purchase online, a material purchase is lost, which has raised the stakes considerably for brick-and-mortar retail locations. If ever these stores needed a hero, it would be now. 

Who would have guessed that mobile technology could be that hero? The use of mobile technology in retail stores could save many from going out of business and help them keep pace with online shopping trends. Here’s how mobile technology is changing the retail game in a world full of online shoppers.

 

Saving Time with Retail Mobile Technology

Often, it’s faster to ask someone a question, make a suggestion, or compare two products than it is to find credible answers online. In fact, digging around on the Internet is almost more time-consuming than driving to the store in the first place.

Now, imagine all sales associates have smartphones or tablets that can locate what you want anywhere in the store. They can give you a price check, compare prices, and tell you where else you might find what you’re looking for. This is the direction mobile technology is heading, as physical retailers scramble to catch up on the super-highway. By empowering employees to help customers, mobile saves time while providing people with truly authentic service. Plus, shoppers get to walk out of the store with their merchandise in tow—no delivery time needed. 

 

Increase Productivity Among Retail Employees

Additionally, mobile technology will help retail owners save money by increasing the overall productivity of employees. In addition to customer service, mobile technology allows sales associates to manage inventories, place orders, receive shipments, take phone calls, and more. This also eliminates a mountain of paperwork and makes organizing data much less complicated. More people can do more work in a shorter amount of time.

Creating a network of employees working on mobile devices can also cut down on long checkout lines (especially during the holidays). The mobile Point of Sale (mPoS) is all about being ready the moment a customer agrees to make an in-store purchase and having an associate there to swipe the credit card. If that same customer walks to a long checkout line, they may decide not to wait. That’s a lost opportunity that’s likely to wind up somewhere online.

Shop owners can take some of those lost sales back by using mobile to capitalize on every possible sale.

The good old days we remember, when the Internet had yet become an e-commerce mecca and flashing banner ads were so bad they were good, are gone. To keep pace with all the sophisticated technology that keeps online shoppers coming back for more, brick-and-mortar retailers have no choice but to fire back with mobile.

May 01, 2016

Apps vs. Mobile Site

 

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As a small business owner, you’ve probably wondered whether to focus on making your website mobile friendly or utilizing the skills of a talented app developer. Both offer mobile marketing strategy advantages in light of industry, budget, and target audience, yet considering the amount of conflicting advice floating around, deciding which one to go with is often challenging. 

In 2013 a Compuware survey found that 85 percent of consumers enjoy apps over mobile websites. However, this hardly means one is better than the other, or that there isn’t just as huge a market for mobile sites. It’s like saying a percentage of people prefer the beach to the mountains—there’s still plenty of reasons to market mountain-based attractions. 

The decision to go with apps over a mobile website or vice versa depends on your mobile marketing strategy and related tactics.

 

Mobile-Friendly Websites

A mobile-optimized website is essentially a responsive design that recognizes when a visitor is using a mobile device and then converts the site to a version that’s easy to read via mobile. Therefore, you don’t necessarily need to produce different or additional content for a mobile site, as you would have to for an app. This makes mobile marketing management a much more streamlined process, and allows you to focus on other aspects of your business, rather than concerning yourself with content all the time. 

Mobile websites arguably drive more traffic than apps, so consider your ultimate goals behind site use: are you looking to improve consumer loyalty, or increase revenue by expanding your customer base? A cross-channel site may be your best option depending on what you wish to accomplish. 

 

Apps

The main advantage of having an app for your business is that it lets you make excellent use of a tablet or smartphone’s hardware and native functionalities. Cameras, GPS, speedometers, gyroscopes, and other useful pieces of technology found on the vast majority of modern devices are easily worked into your app’s operation. 

Another advantage of apps is that they rarely require an internet connection to run. Most apps store data locally on a phone or tablet’s hard drive, so users may enjoy them even if no internet connection is available. For example, some news apps download and store content through a Wi-Fi connection so users may read about current events until the app is able to sync with another connection. 

App infrastructure and development tools are more sophisticated and user friendly than ever thanks to demand for app developers, with major operating systems offering a serious selection of frameworks for developers to work with. Most frameworks are free. 

 

Wrapping Up

Again, which one you decide to go with depends on what your ultimate marketing goals are, how big your budget is, and more factors. If you have the means and the employees to handle a mobile-friendly site and an app, why not try both and see if one offers more benefits to your company than the other. You also might find that your team is efficient enough to provide content to each channel, thus increasing brand awareness and reach. Whatever you decide, remember that it’s a very good idea to offer at least one of the two options to your target audience. 

April 30, 2016

Beware of the Latest iPhone Text Message Scam

 

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iPhone users beware! The latest text messaging scam may be easy to fall for, and if you do, you risk scammers gaining access to your Apple ID and any information you have associated with it.

 

iPhone Text Message Asks for Your Apple ID and Password

If you own an iPhone and you receive a text asking you to confirm your Apple ID, and password, be very leery of it. Don’t act without researching, no matter how legit it appears, because it might be the latest text message scam targeted specifically at iPhone users. 

The text message goes something like this (and it’s personalized, to make it look even more legitimate):

“Dear Vitty your Apple ID is due to expire today. To prevent termination, confirm your details at http://appleidlogin.com.uk - Apple Support.”

 

Repeat! This text message is a scam so don’t click on it! 

The goal of the fake text message is to gain access to users’ private information, not to employ any malicious code on the iPhone. Tech-savvy users might spot right away that this message is phony, but it can seem completely plausible to those less in-the-know, for instance mom or dad. So, protect yourself, and share this text messaging scam with your friends and family. 

The phishing scam directs iPhone users to a web page that asks for their Apple ID and password. Upon close examination of the circumstances, many iPhone users will realize that their Apple account should not be in jeopardy of being closed. But, sometimes people react without thinking upon receiving a message like this.

 

Don’t Be Tricked Into Revealing Personal and Important Information

It’s critical that technology users stay on top of their IDs, passwords, account expiration dates, and user agreements with various companies. That way, risk of trickery and loss are reduced. Don’t be tricked into believing something a text message tells you will, or will not, happen or you could end up sorry.

This latest iPhone text messaging scam not only urges users to offer up Apple IDs and passwords, but it also asks for credit card information. This should be another clue that the messages are fake.

What is particularly dangerous about this latest text message scam is that it looks rather professional compared to other messages sent by hackers and scammers. There are no spelling mistakes, and there is no awkward language. It’s a simple request that appears quite like actual messages Apple would send.

If you receive this message, or anything like it, give careful consideration to its legitimacy. Don’t give out personal information to any site that you arrived at via text message link. Instead, go directly to a company’s website, log in with your ID and password, and see if there are actions you must take regarding your account from there. 

April 29, 2016

Mobile Shopping Poised for Growth in Kenya

 

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Kenyan retailers might not have fully adopted mobile communications to fuel their business activity, but they are embracing it, and technology is on the rise when it comes to their marketing campaigns. A recent Nielson study conducted on Kenyan retailers and their use of technology reveals that mobile usage in the past has been significant. Moreover, companies are slowly turning to mobile marketing concepts.

 

The Study

The Neilson research group conducted face-to-face interviews with 300 retailers across many spectrums and service channels throughout Kenya. The results show that, right now, most retail business is done in the country through direct communication and transactions. In fact, 96 percent of consumers in Kenya prefer to pay retailers with cash, and 88 percent of them prefer in-person communication. They also like to see new products firsthand. 

 

The Promise of the Mobile Market

Even though retail businesses in Kenya today seem to under-utilize mobile technology—just 12 percent of customers use mobile money to pay for goods—Nielson East Africa MD Jacqueline Nyanjom, says, “In a country with 96 percent mobile penetration, the findings are somewhat surprising – but they do point to enormous potential for growth.”

Kenya’s mobile money market is perfect for growth because of how easy it is for people already utilizing mobile technology to make the jump to purchasing goods online. In other parts of the world, mobile money has already been embraced or made great strides. In Kenya, Safaricom’s M-Pesa currently dominates the mobile money market, as small as it is. M-Pesa launched in 2007 and has more than 25-million subscribers, and about 130,000 retail agents use the technology. Countrywide, 43 percent of the Gross National Product flowed through this channel in 2013.

 

The Future of Mobile Shopping

One of the main reasons that Kenyans rely on cash for purchases is that it doesn’t carry transaction fees. Some shoppers and retailers, however, have expressed concern about the safety of using cash for purchases. Aside from fees, there are few reasons not to convert to the use of mobile money in the retail sector. About 25 percent of retail businesses say that they have not been approached with an offer to use mobile money for purchases, a fact that implies that there is an untapped group of business owners in this market.

Additionally, it seems that the time is ripe to encourage both businesses and consumers to accept mobile advertising and marketing as part of the mix. Companies need to focus on adopting retail apps, mobile coupons, promotions, geo-location deals and ads, and other mobile marketing tools in order to bring exciting new growth to the industry.

 

April 25, 2016

Pet Care Goes Mobile

 

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American’s love affair with animals has opened all kinds of doors for entrepreneurs and capitalists that see the growing obsession as a way to make a quick buck. Gluten-free dog treats and luxury cat towers are certainly more common today than they were just 10 years ago, and that’s just the beginning.

 

The Rough Life 

In the U.S. alone, the ASPCA estimates that there are 70 to 80 million dogs; approximately 37 percent to 47 percent of all US households are “with K9.” As pets become increasingly integrated in our home lives, it makes sense that a slew of products, gadgets, and services would also arrive in the marketplace. The newest of these is available on your mobile device. 

One of the greatest challenges many dog owners face is balancing a healthy schedule for the dog with the need to keep regular business hours. But that’s a lot easier said than done, especially for dog owners who often need help exercising their pooches, as well as ensuring they get regular bathroom time outside. According to this article, millennials in particular struggle with this issue: they prefer the jobs and the lifestyle of urban areas, but they also seek companionship from pets. 

Hunter Reed, a Nashville-area native, is one such pet owner. Long hours at his job meant that his boxer, Bella, would be stuck at home for long periods of time without company. He would look for dog walkers on craigslist, but found that most were unreliable. Reed would ask his friends in desperation, but ultimately found the issue too troubling not to act. 

"It got to the point where you feel bad asking your friends or neighbors," said Reed.

 

Pet-Sitting App 

Reed’s solution, in collaboration with Cody Dysert and Kris Molinari, was to create an app that connected dog owners with dog walkers using similar technology to the one used by Uber and Lyft. Reed’s app is called Walkio, and it’s competing for market space with similar apps in the pet-sitting arena. 

Walkio uses a vetting system, like Uber, that requires all walkers to undergo a background check. The app handles most of the administrative work dog walkers would normal manage on their own, including payments, appointments, scheduling, and key exchanging though lock boxes. Walkio uses basic chat features to let pet owners and walkers communicate as the walker picks up, walks, and returns the dog home. 

Pricing for this service ranges from $17 to $75 depending on the length of time the dog needs to be cared for — which includes an overnight option. 

There are several similar apps already on the market for this service, including Wag!, Swifto, Barkly, and Urban Leash. Reed hopes that by focusing on the customer services of the app, and starting in the Southeast region of the U.S., Walkio can become a market leader, at the very least in Nashville.

“The tech community in Nashville is really growing,” Reed said.

Reed and his co-founders are currently looking for funding to take the app to the next level. So far, the team has been primarily self-funded; the user base is still very small.

Will Walkio carve out a niche in the Southeast? One thing is for certain: Bella the dog is likely wagging her tail.