mobile payments

ARM® TrustZone® along with Trusted Execution Environments provide a secure, integrated and convenient way to manage sensitive and valuable assets on a mobile device. It adjusts the device to the user, not vice versa, and thus opens a whole new

First, today’s digitally oriented customers expect banks to provide an ever-higher quality experience defined by speed and the flexibility to conduct business across many channels. They’ve grown accustomed to going online and transferring money between accounts, for example, and using their mobile device to make payments and check their account balance. These kinds of experiences have raised the bar in terms of customer expectations – and banks need to keep up, or risk losing customers. This is particularly true of millennial customers, as they have little regard for loyalty, which banks have traditionally relied on to build their business. Once frustrated by inconvenience, they don’t hesitate to switch banks – and thanks to the internet, this is now a fast, painless process.

We live in an age of unrivaled ecommerce opportunity. The number of new internet users is climbing by 248 million each year, equating to 7% annual growth. That figure in turn is dwarfed by booming ecommerce rates, which average out at 14% globally. This report offers an overview of ecommerce markets across the globe, summarizing the current situation, and identifying the most effective ways to nurture business - and the customer experience - on a local and global scale.

The economic face of the APAC region is changing. While the East has long been considered a source of competitively priced raw materials and manufacturing services, the spending power of its inhabitants - and their increased fondness for international travel - has transformed it into a force to be reckoned with. It’s estimated that, over the next five years, 88% of the growth in the global middle class will be in the Asia Pacific region.1 If multinational companies hope to take advantage of this vast new target market, they will need to adapt their expansion strategies and offer APAC customers a tailored retail experience.

Doing business across borders presents a whole host of unfamiliar challenges to today’s merchant. As technological advancement and increasing globalization unlock international markets, it’s tempting to imagine that a business model successful in one region can simply be transplanted into another. Not so. The logistics of domestic and international transactions have changed, and so too have customer expectations and preferences. Customer and merchants pain points have transformed and multiplied. In this report, we explore some of the core challenges businesses today face in their quest to succeed in global commerce. We offer an overview of how unified commerce can both resolve these issues and offer new advantages and standards of best practice, enabling your business to meet the demands of tomorrow’s customer, no matter their location, preferred payment method, and mode of contact.

China is becoming one of the most important markets for luxury goods in the world. The rise of the Chinese luxury consumer is bringing a world of opportunities to luxury retail giants across the globe. By 2025, it is expected that consumers in China will account for 44% of the $339 billion in luxury goods spending worldwide. This infographic highlights these projected luxury sales increases and identifies the primary drivers and the preferred payment methods for Chinese consumers.

In just a few decades we've gone from face-to-face, catalog and phone omnichannel: endless retail/multiple ways to buy and receive goods. That change has expolded sales.  Download this interesting Infographic to see more.

In this report, we will examine all facets of mobile payment processing, beginning with a very brief history of mobile payments and forecasts for the future. We will then explore the benefits of mobility for small and mid-sized businesses, the ease of processing mobile payments, the equipment required and the issues small and mid-sized businesses should take into consideration when taking your business mobile.

Abacus is a real time expense reporting solution that processes individual expenses as they flow into the system. No expense report required. It provides finance teams unprecedented visibility into spend and minimizes the work required to submit expenses. At one time, the most efficient way to get expense documentation from employees to the finance team was to tape receipts together and fill out templated forms. Today we have mobile cameras, automated accounting software, and convenient apps for peer-to-peer payments. We live in a world of real time data. You should be able to submit your expenses as easily as you pay a friend for your half of dinner!

Abacus is a real time expense reporting solution that processes individual expenses as they flow into the system. No expense report required. It provides finance teams unprecedented visibility into spend and minimizes the work required to submit expenses. At one time, the most efficient way to get expense documentation from employees to the finance team was to tape receipts together and fill out templated forms. Today we have mobile cameras, automated accounting software, and convenient apps for peer-to-peer payments. We live in a world of real time data. You should be able to submit your expenses as easily as you pay a friend for your half of dinner!

obile Payments have emerged as a catalyst for transactions across all markets. In underdeveloped markets, mobile payment technology is enabling businesses to sell products and services to consumers that had previously been out of reach. In developed markets, it has made the process of purchasing products and services even simpler. PayPal, one of the most popular digital payment solutions on the market, facilitated $66 billion in payment volume throughout 2015, and now has 188 million active registered user accounts across the US. Furthermore, Statista projects that mobile payments will account for more than $210 billion in transactions by 2019. Mobile payment technology is a step forward in the process of connecting businesses to the people they are serving. However, some merchants will find themselves miles behind their competitors by the time the transition to mobile payments is complete. The reason? A failure to implement the correct mobile payment strategy. An ever-increasing numbe

This paper summarises the main observations extracted from the Interconnected Commerce: A Revolution in Value Creation whitepaper.

The time of mobile point of sale (mPOS) has arrived. While the mission to adopt EMV has dominated the payments industry over the past few years, many hotels, resorts and casinos are now focusing their efforts on rapid planning and implementation of mPOS strategies. A number of emerging trends are driving this new focus, including an emphasis on enhancing guest experiences and building brand loyalty by leveraging digital and mobile technologies. Innovative hotels, resorts and casinos are using these solutions to create entirely new guest experiences that improve service speed and convenience while creating distinct competitive advantages. mPOS is increasingly becoming a key part of the picture, providing unique opportunities to improve guest service quality and engagement, create new efficiencies and cost savings, and strengthen their brand. This eBook will provide an overview of those opportunities, some key trends in the hotel & lodging industry, and guide you through the key requirem

Learn about the top mobile trends impacting merchants today. From the increasing need for speed, to the spread of mobile payments and tokenization, this report will help you understand how to better satisfy your customers.

This paper reveals how important is effective security software for banking threats.

Whether you’re scanning products, medicine, parts or shipping labels, your data capture needs are dramatically shifting. Traceability demands more data in smaller spaces; mobile payments are on the rise; scanning multiple barcodes consumes valuable time, and there’s less tolerance for inefficiency – capabilities only imaging technology can ful?ll.

Over the past few years, improvements in mobile devices, Wi-Fi, and cloud computing have made mobile point of sale (POS) solutions e ective and a ordable for businesses of all sizes. Tablets have emerged as the most popular platform for mobile POS solutions, and you may have already heard the buzz about them. There’s a reason for all the hullaballoo. In addition to integrating payments and making retail transactions more e cient than using a traditional electronic cash register (ECR), tablet POS solutions can provide robust management data. A tablet POS solution makes sense for many retailers, particularly if you’re looking to: • replace an ECR or want to have a mobile POS in place on opening day • unlock new pro t-making and cost-saving opportunities • expand your business • keep pace with ever-changing customer expectations Figuring out which tablet POS solution is the best for your business may seem like a huge challenge. But don’t worry. Taking the right approach, by using too

For traditional banks, competing in an increasingly digital business environment is a challenge. And it’s getting tougher on several fronts. First, today’s digitally oriented customers expect banks to provide an ever-higher quality experience defined by speed and the flexibility to conduct business across many channels. They’ve grown accustomed to going online and transferring money between accounts, for example, and using their mobile device to make payments and check their account balance. These kinds of experiences have raised the bar in terms of customer expectations – and banks need to keep up, or risk losing customers. This is particularly true of millennial customers, as they have little regard for loyalty, which banks have traditionally relied on to build their business. Once frustrated by inconvenience, they don’t hesitate to switch banks – and thanks to the internet, this is now a fast, painless process.

IBM Rational enterprise modernization solutions can help companies develop new mobile banking services using smartphone technologies and text-message based services, to allow customers to make payments with their cell phones. All made simple.

Learn about the top mobile trends impacting merchants today. From the increasing need for speed, to the spread of mobile payments and tokenization, this report will help you understand how to better satisfy your customers.

The financial collapse of 2008 had the greatest impact on the financial services industry since World War II, resulting in consolidation and extensive regulation. The crisis coincided with increased competition from emerging economic powers, nonbanks and fintech organizations. Consumer behavior, from the adoption of mobile banking to P2P payments, forced banks to retool and respond with innovative products and investments in new delivery channels. Technology changed rapidly as well. In the capital markets, trading became fully automated, with pricing, risk decisions and settlement across exchanges made in milliseconds

Interconnected Commerce: A Revolution in Value Creation, commissioned by Equinix and produced by Aite Group, discusses the state of the global payments ecosystem and its evolution into a core component of commerce enablement.