C’est pas mon idée !: PayPal se réinvente

PayPal se réinvente

Pour la première fois en 13 ans d’existence, PayPal est en passe de transformer radicalement sa solution de paiement pour en faire le porte-monnaie digital du futur. La filiale d’eBay fera demain, au festival “South by Southwest Interactive” (SxSW), la démonstration de quelques-unes des nouvelles fonctions qu’elle prépare, tout en précisant que l’imagination ne connaîtra (presque) aucune limite dans les évolutions à venir.

Cette présentation officielle va ainsi commencer à concrétiser la composante “consommateur” d’un nouvel écosystème esquissé il y a environ 6 mois, qui ne s’était traduit, pour l’instant, que par des expérimentations ciblant principalement les commerçants. Les concepts deviendront ensuite une réalité tangible dès la fin mai, quand les nouveautés commenceront à être déployées auprès des clients.

Les première idées de PayPal pour son porte-monnaie digital sont étonnamment diverses :

La séparation entre achat et paiement, permettant à l’utilisateur de sélectionner et modifier a posteriori (jusqu’à 5 à 7 jours après la transaction) le moyen de paiement sur lequel doit être imputé un achat (compte bancaire, compte PayPal, carte de crédit…).

La possibilité d’utiliser des coupons de réduction, points de fidélité, bons cadeaux… pour régler tout ou partie des dépenses.

L’option de paiement en plusieurs fois, interne à Paypal, qui vient directement concurrencer les cartes de crédit et les offres de crédit à la consommation.

Des listes personnelles pour stocker les achats à réaliser ou les “envies”, à partir desquelles le porte-monnaie recherchera, dans les boutiques, les promotions applicables et les imputera automatiquement sur les produits concernés, sans risque d’oubli.

La création de “règles” de paiement, par exemple pour affecter systématiquement certaines catégories de dépenses ou les achats dans certains commerces à un moyen de paiement prédéterminé (les voyages sur la carte de crédit, les courses à Carrefour sur le compte PayPal…).

Et PayPal insiste : ce ne sont là que les services initiaux, la nature digitale du porte-monnaie rend presque tout imaginable et de nouvelles possibilités seront ajoutées régulièrement, en fonction de l’évolution des attentes et des besoins des consommateurs.

Le message est clair : il n’est nullement question de “juste” remplacer une lecture de carte à puce par un “tap” de mobile pour payer. L’ambition de PayPal est de réinventer l’argent sous sa forme numérique et de rendre le porte-monnaie plus pratique, plus simple et plus utile pour tout le monde. Cette stratégie est évidemment la clé du développement du paiement mobile et le leader historique du paiement électronique est en train de prendre une position intéressante dans la course au succès.

via C’est pas mon idée !: PayPal se réinvente.

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Tomi Ahonen: Average users looks at their phone 150 times a day!

Tomi Ahonen: Average users looks at their phone 150 times a day!

CATEGORIES: GENERAL

BY: DUSAN BELIC, INTOMOBILE

THURSDAY, FEBRUARY 9TH, 2012 AT 12:50 AM

During the recent Mobile Web Africa conference in Johannesburg, 3G strategy consultant Tomi Ahonen took the stage to talk about the prospect of mobile technology and how it changes the world. Here are the highlights from his keynote:

Mobile is the fastest way to reach consumers. According to a study conducted in New Zealand, e-mail is read 48 hours after it is sent, while the average SMS is read in four minutes. In other words, SMS is 720 times faster than e-mail in message-opening throughput.

Nokia reported that the average person looks at their phone 150 times a day, or once every six-and-a-half minutes of every waking hour. In Africa, it’s 82 times a day, or every 12 minutes.

After optimizing its website for mobile devices, Tiffany’s sales grew 125%, prompting Ahonen to conclude that there isn’t going to be “one Internet.”

In China, mobile newspapers have converted 39% of their readers to pay for MMS news headlines. The country’s leading mobile operator, China Mobile, has 40 million paying users on SMS- and MMS-based twice-daily headline services of branded newspapers’ headlines.

Finally, Ahonen concluded that mobile is the fastest growing industry ever, going “from naught to $1 trillion in 2010, and is set to double by 2020.”

[Via: textually]

via Tomi Ahonen: Average users looks at their phone 150 times a day!.

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How Americans used their phones to assist with purchasing decisions this holiday season

More than half of adult cell phone owners used their cell phones while they were in a store during the 2011 holiday season to seek help with purchasing decisions. During a 30 day period before and after Christmas:
  • 38% of cell owners used their phone to call a friend while they were in a store for advice about a purchase they were considering making
  • 24% of cell owners used their phone to look up reviews of a product online while they were in a store
  • 25% of adult cell owners used their phones to look up the price of a product online while they were in a store, to see if they could get a better price somewhere else

Taken together, just over half (52%) of all adult cell owners used their phone for at least one of these three reasons over the holiday shopping season and one third (33%) used their phone specifically for online information while inside a physical store—either product reviews or pricing information.

Detailed findings—online product reviews and calling friends for purchasing advice

There are a number of demographic patterns in these survey findings. Specifically:

  • Cell owners ages 18-49 are significantly more likely to use their phones for online product reviews than are cell owners ages 50 and older. Cell owners ages 65 and older are especially unlikely to do this—just 4% did so this holiday season.
  • Urban and suburban cell owners are roughly twice as likely as rural cell owners to have recently used their phone to look up online reviews of a product they found in a physical store.
  • Non-white cell owners are more likely than white cell owners to look up online product reviews, and those who have attended college are more likely to do so than those who have not.

Detailed findings—cell phones as a tool for online price matching

Online price matching and looking up online reviews frequently go hand in hand. Overall, of the 33% of cell owners who used their phone recently in a store to look up either product reviews or prices online, roughly half (representing 17% of all cell owners) used their phones to engage in both of these activities.

As a result, the same groups that use their phones to look up online product reviews—such as cell owners under 50 years old, non-whites, those with at least some college experience and those living in urban or suburban areas—are generally the same ones that use their phones to look up online pricing information.

One in five “mobile price matchers” ultimately made their most recent purchase from an online store, rather than a physical location

When asked what happened on the most recent occasion where they used their phone to look up the price online of a product they found in a store, these mobile price matchers point to a range of outcomes:

  • 37% decided to not purchase the product at all
  • 35% purchased the product at that store
  • 19% purchased the product online
  • 8% purchased the product at another store

Since one quarter of cell owners looked up the price of a product using their phone in the 30 days preceding our survey, that works out to 5% of all cell owners who purchased a product online this holiday season after looking up its price online from a physical store. An additional 9% of all cell owners searched for the price of a product they found in a physical store but ultimately purchased it at that store.

The Pew Research Center’s Internet & American Life Project is an initiative of the Pew Research Center, a nonprofit “fact tank” that provides information on the issues, attitudes, and trends shaping America and the world. The Pew Internet Project explores the impact of the internet on children, families, communities, the work place, schools, health care and civic/political life.  The Project is nonpartisan and takes no position on policy issues. Support for the Project is provided by The Pew Charitable Trusts. More information is available at www.pewinternet.org