Category Archives:
mobile payments

maxime_de_nanclas Guest Post – Pay wars heat up

Contactless P2P payments could mean victory
by Maxime de Nanclas, COO with Mobeewave

Recent speculation [November 2015] about Apple’s venture into creating a P2P (phone to phone) payment system for mobile devices is just the latest move in what has come to be known as the ‘Pay Wars’. In the same week, Samsung was also the subject of similar speculated reports which went so far as to drill down to specific technology capabilities that would include the option for contactless transactions, whereby a user taps a phone or card to another NFC device to transfer funds or conduct payments. Just this past week, LG announced they are working on their own mobile payment solution called LG Pay in partnership with a Korean credit card issuer. Continue reading

charge my mobile box is already ticked GoMo accidentally places bet using Payforit

Pen in pocket bets with

Here at GoMo Towers, we’d have to recommend opting out your handset from the UK’s Payforit mobile payment service at present. That’s because we appear to have placed a bet whilst driving along. Which means the pen in our pocket managed to bet £8 with When we tried to track down the operator of this service, we had a great deal of trouble. The company is called BigWin Ltd and a spokesperson told us, “Obviously the pen in your pocket entered the competition.” It’s a shame to recommend this negative action because we’d used Payforit originally to purchase a bus ticket. Won’t be doing that again in a hurry. Continue reading

tfl_payments What forms of Oyster contactless payments TfL actually supports

You need the right question to get the right answer for London transportation

It really should be called the Ministry for Disinformation, but TfL [Transport for London] has finally admitted here that it does support Apple Pay  (See ‘Apple Pay UK isn’t compatible with Oyster – yet)’ as a means for paying for your transportation on the London public transport network. The vast majority of UK citizens would understand this capability as an ability to stand-in for the long-accepted ‘Oyster’ card. But, of course, you need to utilise industry jargon and equate ‘contactless payment’ with Oyster. So the list of Oyster replacement methods includes – bPay, EE’s Cash on Tap plus Vodafone’s SmartPass applications for pay as you go where contactless is accepted. Consumers also need to know that when paying for their journeys through London, only those on rail services must touch in and out to pay the right fare. Whereas on buses and trams, consumers only have to touch in. Well, that’s going to confuse the Hell out of tourists, isn’t it? Continue reading

Pay_hsbc Apple Pay UK isn’t compatible with Oyster – yet

Contactless payment system has more holes than a sieve

Congratulations to Apple for finally launching its contactless payment system in the UK today [July 14th 2015] as we predicted here. Sadly, as a contactless payment system, Apple Pay has more holes than a sieve. For starters, there appear to be more “coming soon” financial institutions, than those which actually matter. The list of eventual supporters includes Bank of Scotland, First Direct, Halifax, Lloyds Bank, M&S Bank and TSB. What’s weird is that HSBC – which was amongst the participants to accidentally reveal the July 14th launch, isn’t included. Instead there are only American Express, MBNA, Santander, Nationwide, NatWest, Royal Bank of Scotland and Ulster Bank in the financial sector. Embarrassing since HSBC is included on the official Apple Pay we page’s screen shots. Worse still, there’s no mention of the anticipated support for Transport for London’s (TfL’s) Oyster payment system. Continue reading

it's early days - Doku Apple’s entry into UK mobile payments could be gamechanger

So market watcher,, seems to think

“When the world’s biggest company wades into mobile payments, you know it’s going to be a game changer,” says Ernest Doku, a technology expert with “The support of some of the UK’s best known retailers, from Marks & Spencer to the Post Office, doesn’t hurt either,” he added. We all know, of course, that the introduction of Apple’s iTunes changed the face of music retailing. Now the Apple brand is being brought to bear on the whole concept of a mobile wallet, which has yet to become mainstream. What has Apple got which the opposition hasn’t? The answer appears to be a higher level of security – particularly with fingerprint recognition. Continue reading

mobile_payments_pic ImpulsePay to launch Payments Page Editor

Web app allows merchants and retailers to maintain branding through the mobile payment experience

Press release

June 8th 2015. ImpulsePay has launched a Payments Page Editor, a new enterprise web app that will empower merchants and retailers using its mobile payments service, BillMobile, to provide a better end user payment experience. The merchant will be able to maintain a consistent brand for their users through the payment process, including adding new offers at short notice, resulting in more transactions and less payment drop out. The introduction of the Payment Pages Editor means that for the first time merchants using the BillMobile Charge to Mobile payment service will be able to design and launch bespoke payment pages from scratch for mobile ready e-commerce stores. Continue reading

mpayments_summitt_logo mPayments Summit London 2015

[ June 9, 2015; 9:00 am to 7:00 pm. ] Organisers: AIME,
Venue: America Square Conference Centre, 1 America Square,
Location: London, UK

Register: here

Built on 20 years of experience in the direct operator/carrier billing space, this world-leading event showcases how mobile operator billing in its various guises now represents an ideal payment channel for interactive services, digital content and physical goods across a wide range of vertical sectors. Continue reading

seismic shift  - prins UK is world’s No. 1 in mobile payments says Adyen

Google & Open Handset Alliance closing gap on iOS

The UK is the world Number One in mobile payments, according to Adyen – the global payments tech experts. The company has just published its latest quarterly Mobile Payments Index (MPI), which tracks mobile payment data from web-based transactions across Adyen’s customerbase. In terms of individual markets, the UK stands head and shoulders above the global averages. In Q1 2015, 44.4 per cent of online payments in the UK were made using a mobile device up from 36.9 per cent in Q1 2014 . Additionally, Asian markets have for the first time broken the 20 per cent barrier for online mobile payments. Interestingly Adyen says that still rules the roost, but Google and the Open Handset Alliance are closing the gap. Continue reading

adyen-pay-jan15 Over 27% of global online transactions are now on mobile devices says Adyen

The USA shows strong growth to 26.7%, while the UK leads the way at 44.4%

Press release

April 30th 2015. Adyen, the global payments technology company, has published its quarterly Mobile Payments Index (MPI), which tracks mobile payment data from web-based transactions across Adyen’s customer base. Online payments made using mobile devices continues to rise globally according to the findings, now accounting for 27.2 per cent of the total online payments made in Q1 2015 – up from 25.8 per cent on the traditionally high online spending period of Q4 and up a massive 39 per cent on the corresponding period last year. The average transaction value (ATV) of digital goods purchased via tablets has surpassed the figure for desktops/laptops for the first time since Adyen began publishing the Mobile Payments Index in June 2013. Continue reading

Watch once again expected to impact mobile payments

Industry comment from Powa’s Wagner

Ahead of the Apple Watch’s global launch on Friday April 25th [2015], another industry observer has sent GoMo News his comments on how the Apple Watch will make waves in mobile payment. (See ‘Watch to increase Apple Pay’s popularity‘). E-commerce and mobile expert Dan Wagner, CEO of Powa Technologies, believes that The launch of  the Apple Watch marks the first time consumers will have access to a product that combines two of the fastest growing technologies in recent years: – wearable technology and mobile payments. Another noted analyst, Ming-Chi Kuo, has estimated that pre-order numbers are around 2.3 million units with Apple expected to ship between 15 and 20 million Apple Watches in 2015. Continue reading

skewered approach - Dr KF Lai Banks fail to promote their services via mobile

They’re using TV instead says BuzzCity

According to mobile advertising network, BuzzCity, the Banks are failing to communicate on the very devices they are offering their services on. Only 16 per cent of marketing spend for mobile banking was placed on mobile advertising, a decrease of 10 per cent from 2013 and less is spent on radio and newspaper – 9 per cent respectively. By contrast, TV cited as the most used medium for promotions with 42 per cent. Those figures are taken from to BuzzCity’s latest report which is available for free downloading from here. It also reveals a 60 per cent increase in people using their mobile devices to bank online. Continue reading

Buzzcity-banking Mobile banking booms but customers still unaware of its possibilities

Banks evolving their mobile strategies, but communications with customers are outmoded says BuzzCity

Press release

April 15th 2015. Ongoing global research from BuzzCity reveals that mobile banking continues to increase, but a skewed approach to communications means banking customers are confused as to the range of features and services available to them. And although nearly all banks now offer mobile banking services, marketing efforts to communicate to their customers remain traditional, with TV cited as the most used medium for promotions (42 per cent). Continue reading

apple will have its work cut out - zoller Watch to increase Apple Pay’s popularity

Industry reaction to Apple’s wearable technology release

Much as GoMo News had anticipated, Apple’s announcement of its Watch range of wearable devices has focused on how it should help increase the popularity of its Apple Pay mobile payment service – even though at presence the system is currently restricted to the USA only. As Apple itself said – the Apple Watch can be used to pay for coffee via Apple Pay. Jon Worley, CEO for marketing with Proxama urges that retailers and brands should take note of the opportunities that Apple Watch will offer them.” If anyone can create a buzz around a new product then it is Apple but when it comes to smart watches it will have its work cut out,” Eden Zoller, principal analyst for consumer services and payments at Ovum, warns. Continue reading

Adyen Mobile Payments Index reveals 26% of global online transactions now over mobile

Latest figures from Adyen

Press release

January 28th 2015. Adyen, the global payments technology company, has published its quarterly Mobile Payments Index, which tracks mobile payment data from web-based transactions across Adyen’s customer base. As the world shifts to mobile, the latest Index reveals a surge in mobile payment share of online transactions, marking the first time mobile payments have accounted for more than a quarter of global online payments since Adyen started publishing the Mobile Payments Index in June 2013. Continue reading

UK banks set for NFC cave-in thanks to Apple

Talking big bucks puts NFC on map

How ironic that a company which held out against the industry-wide enthusiasm for NFC – Apple, has now sown the seeds for British banks to finally cave in. These are the same banks which refused GoMo News a contactless card because of insufficient funds going through the account. But if you own an iPhone 6, apparently, the banks are now going to be fighting for your custom. Apple’s influence can be seen from the terminology now being used. Today it is ‘wave and pay’ whereas for years, the correct expression was contactless payments. Continue reading