3 days in payments
The news is always so frenetic in the field of payments, especially mobile. Over the last 3 days, and 7 are ads that have caught my attention. Bids are increasing, competition becomes fierce between players, new opportunities open up ... Overview.
The World Bank launches a new program (" Fellowship"), inviting leading experts to share their experience, knowledge and vision with the organization and the participating governments.
The first guest of this initiative is none other than Michael Joseph, former CEO of telecommunications provider Safaricom , credited the tremendous success of M-Pesa , the mobile payment solution that already attracted 15 million Kenyans (about 21 million mobile phone users). Its mission is to World Bank will guide strategies in Africa and beyond, for the development of banking and mobile payments.
M-Pesa is also a key player in an ad of OpenWay, the payment solution WAY4 just been adopted by one of the largest financial institutions in Kenya , Equity Bank.
The bank will thus have an offer allowing it to integrate card payments but also (and especially) the interactions with the M-Pesa accounts. The information is especially significant that Equity Bank is the banking partner with whom operator Orange has launched (late 2010) its own mobile payment solution Orange Money (which one may suspect that it does not meet the expected success ...).
Let then quickly on the "startup mobile payment" of the week: Paydiant raised funds to accelerate development of its solution, which we know nothing yet, if is that it should be available later this year.
eBillme system and its online payment "invoice" gain visibility with the announcement its integration into the platform for merchant sites Discover Network, which makes it immediately accessible to all e-tailers that have adopted it.
For the record, when the consumer chooses the eBillme payment method to pay for purchases on the Internet, an electronic invoice is sent by courier. It can then settle the transaction on its online banking site (via bill payment services are widespread in the U.S.) or in cash, in one of 75 000 points of sale "natural" partners of the startup .
In France, Orange entering a new phase in its investment strategy by providing payments for the first time in Europe, the regulation on the telephone bill applications downloaded on the "Windows Phone MarketPlace.
Like all telecommunications operators, the French will benefit from the commercial bonanza that represent new uses of mobile phones. In the applications area, we had seen so far attempts to create "AppStore" dedicated ( doomed to failure, in my opinion ). Orange tent is a much simpler approach to implement, it will take a revenue share of the download almost effortlessly ...
the midst of this turmoil, Paypal continues to expand its offerings, particularly on mobile.
Without this constitutes a very important step forward, the announces the integration of the function "call for entries" from FundRazer (itself connected to Facebook) in its application for the iPhone demonstrates the the specialist will address all market segments and remain on the front of the stage payments.
Terminons, provisoirement, avec Visa et le lancement , en Russie et en Ukraine (dans un premier temps), d'une fonction de paiement P2P (de pair à pair) exploitant son réseau d'échanges VisaNet.
Ce système permet à tous les porteurs de carte de transférer des fonds, en fournissant simplement le numéro de carte du bénéficiaire.
Outre la facilité d'utilisation, Visa met en avant la quasi-instantanéité de ce mode d'échange d'argent, par rapport aux virements interbancaires classiques. Avec ce nouveau système, le spécialiste des cartes tente visiblement de concurrencer PayPal on its site.
Walking this news of payments, a question arises: where are the banks ? Indeed, only one is present among these 7 listing. If she does not want to fall behind in the current wave of innovation, it is time they react ...
Announcement: I am 17 and March 18 next, the show e-Commerce One-to-One in Monaco, with Mobino for a presentation on online payments and mobile, which will aim to summarize the major industry trends and give some clues to identify leaders of tomorrow.
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