tag:blogger.com,1999:blog-17500930.post5265113095257167474..comments2024-03-20T22:57:03.923+00:00Comments on Dean Bubley's Disruptive Wireless: Sprint's mobile wallet sounds sensibleDean Bubleyhttp://www.blogger.com/profile/05719150957239368264noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-17500930.post-70277835417129060972010-11-10T14:34:47.932+00:002010-11-10T14:34:47.932+00:00Agreed - and even then less than 20% of subscriber...Agreed - and even then less than 20% of subscribers with a capable handset actually use the service. <br /><br />With regard to adding bills to the mobile phone - there is talk of Apple and Google interested in the likes of Boku and Payfone, which enable payment of digital goods just by providing your phone number and replying to a confirmation SMS. Good for developing, unbanked world as well as the 'youth' market who spend a lot of money on virtual goods on social networks...Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-17500930.post-57088829952627126082010-11-08T17:20:06.635+00:002010-11-08T17:20:06.635+00:00Anonymous - I think that the DoCoMo solution, is l...Anonymous - I think that the DoCoMo solution, is like many things in Japanese mobile comms, an exception rather than an example.<br /><br />From memory of the analysis I've seen from Telco 2.0 on this, DoCoMo has gone to quite extraordinary lengths to get traction for it, in addition to its normal ironclad control over handset architecture. It made acquisitions in the merchant acquirer and card issuer space, and even took a stake in a convenience-store retailer (Lawson) to help seed the market with NFC readers.<br /><br />Not something easily or willingly replicable by many other telcos.Dean Bubleyhttps://www.blogger.com/profile/05719150957239368264noreply@blogger.comtag:blogger.com,1999:blog-17500930.post-71531360934089015552010-11-08T16:27:41.328+00:002010-11-08T16:27:41.328+00:00Hi Dean,
What do you make of the 'relatively&...Hi Dean,<br /><br />What do you make of the 'relatively' successful NTT DoCoMo mobile wallet Osaifu Keitai?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-17500930.post-51231744521804645582010-10-29T08:35:30.707+01:002010-10-29T08:35:30.707+01:00Hi Nadeem
Thanks for this.
The philosophy is the...Hi Nadeem<br /><br />Thanks for this.<br /><br />The philosophy is the same, yes - ie use an existing payment mechanism. However, the Sprint one is actually a software wrapper (and API) for developers that mimics online payments more.<br /><br />DeanDean Bubleyhttps://www.blogger.com/profile/05719150957239368264noreply@blogger.comtag:blogger.com,1999:blog-17500930.post-24818982258554432422010-10-29T05:52:12.264+01:002010-10-29T05:52:12.264+01:00A similar initiative was launched by a group of In...A similar initiative was launched by a group of Indian banks last week. However, this does not involve the operators directly as the end user registers for this via the bank.Nadeemnoreply@blogger.comtag:blogger.com,1999:blog-17500930.post-4327770863792464452010-10-28T14:19:07.209+01:002010-10-28T14:19:07.209+01:00No, I absolutely disagree.
SMS payment is OK for ...No, I absolutely disagree.<br /><br />SMS payment is OK for a few things - mostly digital goods like ringtones. But buy a real-world product like a sandwich or a beer or a magazine? Why? Most of them take debit cards anyway.<br /><br />Transport?! There's absolutely no way I (or, I think most other Londoners) would want to pay for the tube and buses by phone. Tourists / visitors - maybe different, by I don't think so.<br /><br />In terms of regular local people - firstly >50% of public transprt users use prepay, and therefore are often likely to be out or low on credit. Yes, it's theoretically possible to have two prepay "buckets", one for mobile services and one for Oyster, but that just complicates things even more. <br /><br />And for postpaid users? Loads of complexities - fraud, people with business devices, lousy coverage, short battery life? No way. I want a separate card, with a separate balance, and the knowledge I don't have a rapacious operator sitting in the middle of the value chain.<br /><br />As for visitors - well, I didn't find buying an Oyster-equivalent in Tbilisi a couple of weeks ago especially onerous. Certainly better than chancing the roaming costs on my phone, especially as I had data roaming switched off anyway. Via SMS? Maybe, but again only without a 40p a time cost premuium.<br /><br />Read this about my own experience with parking via phone/SMS a couple of years ago - http://disruptivewireless.blogspot.com/2007/12/mobile-payments-for-car-parking-awful.htmlDean Bubleyhttps://www.blogger.com/profile/05719150957239368264noreply@blogger.comtag:blogger.com,1999:blog-17500930.post-85343182009623651412010-10-28T10:44:57.269+01:002010-10-28T10:44:57.269+01:00Let me give you a real life example of a very much...Let me give you a real life example of a very much needed SMS/premium number payment service, to bring it much more closer to home.<br /><br />Two words: public transportation.<br /><br />Just imagine how much better life would be if you could buy tickets to the Tube in London directly on any cell phone, as you can do in other countries.<br /><br />A lot off the hassle when visiting London would just melt away. No more frustrating queueing for a silly Oyster card I'm only going to use once. Just get out your phone and go. I'd even be willing to pay a small premium for the pleasure, if necessary.<br /><br />Please note that in the Scandinavian countries, there isn't even an extra charge for mobile payment of public transit tickets. In fact it's cheaper than buying with cash.Frednoreply@blogger.comtag:blogger.com,1999:blog-17500930.post-14263793299821491362010-10-28T10:33:53.968+01:002010-10-28T10:33:53.968+01:00I obviously meant "revenue share", not &...I obviously meant "revenue share", not "revenue" in the previous comment.Frednoreply@blogger.comtag:blogger.com,1999:blog-17500930.post-38518187681061056242010-10-28T10:32:18.010+01:002010-10-28T10:32:18.010+01:00Why don't you like SMS or premium number payme...Why don't you like SMS or premium number payment? They are very convenient when you don't have any change or local currency.<br /><br />The "it's too expensive" argument does not fly since that's merely a question about what the agreed upon revenue is and can be changed at will.<br /><br />Furthermore, a 50-70% cut for the service provider is always better than 100% of nothing. For validation, just look at Apple's App Store.Frednoreply@blogger.com