E-commerce Trends From 2014 To 2015

It’s been a busy year for e-commerce. This is our summary of how e-commerce developed during the last year and its main trends for 2015. You can download it from slideshare here and check the real Game Changers in e-business!

Omnichannel:

• From the customer’s perspective, there is only a single, technology-enabled channel  that brings together all touchpoints

Flexible Delivery:

• Next-day delivery and rapid in-store pickup will rock in 20151
• Returns are critical to the ongoing user experience

Shopping Malls:

• mobile optimized shopping experience
• hybrid experiences in their physical stores to accommodate mobile shoppers

Wearables:

• Businesses will be able to rapidly update consumers on price changes, promotions, etc.
• The link between eCommerce and the physical world

Social commerce is evolving to meet companies’ needs:

• Facebook dominates as a source of social media traffic and sales
• Community style sites like Polyvore, Instagram can generate high average order value1

Payments:

• About 15% of purchases in Starbucks U.S. happen via mobile apps
• Digital currencies such as Bitcoin will continue to gain traction next year
• Apple equips iPhone 6 with an e-wallet

- See more at: http://divante.co/blog/e-commerce-trends-2014-2015/#sthash.8wulZIf1.dpuf

EMV COMPLIANCE SIMPLIFIED

According to the company’s release, ChipDNA removes the many complexities of EMV compliance and reduces the time required to secure processor certifications from months to only days.

This new offering provides developers, ISVs and VARs with a free preview version of Creditcall’s ChipDNA SDK .

“Creditcall’s investment to add a free tool into the arsenal of resources for payment system developers, VARs and ISVs demonstrates our commitment and mission as the Heart of Payments to empower users with the strongest and most secure solution available to ease the transition to EMV,” said Jeremy Gumbley CTO of Creditcall. “With Creditcall’s new ChipDNA Lite SDK, users are able to freely assess the viability of our solution for their own needs, without any initial financial investment, and ensure they deliver the best technology and service to their customers.”

Tarjetas de crédito infalsificables por cortesía de la física cuántica

R. PérezTwitter de R. PérezRocío PérezEnviar correo a R. Pérez

16/12/2014 (05:00)

5

AA

Si hay una situación dramática con la que todos empatizamos es con el robo una cartera. Perder de vista los documentos de identificación y, sobre todo, las tarjetas de crédito es una auténtica faena que requiere de una reacción rápida para evitar males mayores. Pero cuando la sustracción nos pasa desapercibida, ya que no se trata de un robo en sí sino de un duplicado hecho sin que nos demos cuenta, las posibilidades de que nos demos cuenta demasiado tarde aumentan.

Por eso los bancos tratan desde hace tiempo de hacer tarjetas cada vez más seguras. Investigadores de todo el mundo libran una batalla continua contra los que intentan maliciosamente violar la seguridad de esas tarjetas, así como cerraduras, llaves o cualquier otro método de seguridad. Las bandas magnéticas se han sustituido por chips como un paso en esa batalla.

Investigadores de todo el mundo libran una batalla continua contra los que intentan maliciosamente violar la seguridad de esas tarjetas, así como cerraduras, llaves o cualquier otro método de seguridad

Pero aún queda margen de mejora, porque esos chips también pueden ser copiados una vez que se accede a la información que almacenan en su interior, y el código de seguridad que permite su uso también puede ser hackeado. Las cerraduras digitales que cierran cada vez más coches también son franqueables utilizando un ordenador. Solo hace falta imitar el juego de pregunta y respuesta que la cerradura juega con la llave.

Un solo fotón en varios sitios a la vez

Científicos de la Universidad de Twente, en colaboración con otros de la Universidad Tecnológica de Eindhovane, han desarrollado un método que hace imposible falsificar tarjetas o replicar sus características. El proceso está basado en la propiedad relativa a la física cuántica que tienen los fotones de estar en varios sitios al mismo tiempo para consignar ese sistema de pregunta y respuesta que certifica la autenticidad de las tarjetas y otros objetos.

"Un solo fotón tiene propiedades muy especiales que parecen desafiar el comportamiento normal de las partículas. Si se manejan bien, pueden codificar información de tal forma que evita que los atacantes puedan desentrañarla", explica Pepijn Pinske, científico de la Universidad de Twente y autor principal del estudio, que ha sido publicado en la revista Optica.

Para sus experimentos, Pinske y sus colegas aplicaron a una tarjeta una capa, fina como un papel, de pintura blanca que contenía millones de nanopartículas. Al enviar una partícula de luz a la pintura, esta se queda rebotando de un lado a otro entre esas nanopartículas, como si se tratase de una bola en una recreativa tipo pinball, hasta que logra escapar. 

Utilizando este mecanismo, un banco podría enviar un patrón de puntos de luz complejo y único para cada transacción (esto sería la pregunta), generando un patrón también único al escapar esos puntos (lo que constituiría la respuesta). El banco solo tendría que comprobar que el patrón respuesta es correcto antes de aprobar la transacción para hacerla segura.

Sería como dejar caer diez bolas de bolos y dejar 200 impactos distintos. Es imposible saber exactamente qué información se envió recogiendo las diez bolas, y si tratas de observar el proceso destruyes el sistema entero

Si se utiliza para esto una luz normal, digamos con todos sus fotones, un hipotético atacante podría medir esa luz y responder con el patrón adecuado, sin que el banco pudiese distinguir entre la tarjeta real y el señuelo utilizado por elhacker. Pero si el banco envía un patrón con un puñado de fotones, incluso con uno solo, la respuesta reflejada parecería tener mucha más información (más puntos de luz) que los fotones proyectados.

Imposible observar el proceso

Y debido a esas mismas propiedades cuánticas, un intento por parte de unhacker de observar cómo se forma el patrón haría colapsar esa naturaleza cuántica de los fotones y destruiría la información que estuviese siendo transmitida, permitiendo solo captar una parte y no toda la necesaria para validar la operación.

"Sería como dejar caer diez bolas de bolos y dejar 200 impactos distintos. Es imposible saber exactamente qué información se envió (el patrón creado en el suelo) recogiendo las diez bolas, y si tratas de observar el proceso destruyes el sistema entero", explica Pinkse.

Según el investigador, en el futuro podrá utilizarse esta técnica para proteger edificios, tarjetas bancarias, sistemas de identificación e incluso coches. "Lo mejor de nuestro sistema es que los secretos ya no hacen falta, de forma que tampoco pueden ser filtrados. 

Retailers With Digital Wallet Capabilities Will Win This Holiday Season: ADI

While all retailers are hoping for a record year this holiday season, the savvy ones will open wide their digital wallets for customers. Analysis by Adobe Digital Index (ADI) has found that smartphone conversion rates are much higher when retailers offer digital wallet payment options, such as PayPal, Amazon Payments, Google Wallet, or Apple Pay.

“Most retailers are initially excited about Apple Pay’s implications for the in-store environment,” explained Tamara Gaffney, principal analyst at ADI. “In-store adoption of payment technology, however, typically takes longer because it means new systems at the store. So, as Apple Pay becomes more ubiquitous, its first win could very well be online.” In fact, according to ADI, cart completion rates increase by 10% when digital wallet payment options are available.

According to ADI, 23% of purchases on smartphones use alternative payment methods, while just 16% use digital wallets across desktops and 19% use the payment option on tablets. Tyler White, an analyst at ADI, explained that digital wallet usage on mobile is higher because people find it convenient not to have to enter credit card information while on the go.

“People are also more wary of entering their credit card information on mobile devices,” White said. “They don’t feel as secure.”

According to White, ADI predicts Apple Pay will soon become the default alternative payment tool for many consumers using Apple devices because it enables easy transactions both offline and online. “Mobile conversion rates are expected to increase as digital wallets become more commonplace for online shopping,” White said.

Bridging In-Store/DigitalMobile applications are another way retailers are bridging online and in-store, and it seems to be working, with phone apps being used more than tablet apps. ADI research indicated that app usage growth on phones outpaced tablets by more than two times (70% vs. 35%).

When it comes to Android vs. iOs, Apple’s operating system represents 65% of app launches, and Android represents just 34%. The average iOS app is also used twice as long as is the average Android app per launch.

According to ADI, Apple Pay will get a bigger push into the market as more retailers add it as an option for in-app purchases as well.

Local PersonalizationAccording to Gaffney, the adoption of alternative payments options on mobile and the increased use of mobile apps in-store is phase two of an overall digitization of the retail environment. “Digital wallets are really changing the landscape for buying on mobile,” said Gaffney, “and beacons and location awareness are adding another dimension to in-store digitization.”

ADI shows high hopes for the use of location-based technology during the holidays. According to a survey of 400 U.S. consumers who own a smartphone or tablet, and plan to shop online during the holidays, 71% like having ads personalized, but opinions differ about the quality of today’s personalization efforts:

• 20% like it, but said that such ads are “not done well enough today.”
• 30% like it and said that today’s efforts are “as tailored to me as they need to be.”
• 20% said today’s personalization efforts are too intrusive.
• 29% don’t think ads should be personalized at all.

Additionally, ADI found that 34% of respondents said they have received a marketing promotion based on their locations, while another 21% were unsure. Additionally, 53% noticed retargeting efforts aimed at them. The survey also found consumers are open to beacons, with 55% finding it useful to receive promotions on their mobile devices while in a physical store.

“Beacons aren’t just changing the retail environment,” Gaffney said. “They’re being used in other venues as well, such as travel and hospitality and sports stadiums. Location awareness is coming from everywhere, since people have their phones everywhere they go.” 

ATM & NFC integration

New guide offers a comprehensive view of ATM and mobile integration

Cash isn't going anywhere. But consumers are. And increasing numbers of them are taking along a smartphone.
In fact, researchers have found that smartphone users are more likely to forget their wallet than their mobile device when they leave home. Which makes it almost inevitable that financial institutions will seek to bring together busy consumers and the cash and other banking services they need with the help of an intermediating mobile device.

Which mobile integration services do you offer?

This summer, Mobile Payments Today sister publication ATM Marketplace took a closer look at the symbiotic relationship between ATMs, smartphones, and mobile banking apps. Our surveys and detailed interviews with executives from leading financial institutions in the United States and Europe yielded a free 53-page, first-of-its-kind publication, the "ATM-Mobile Integration Guide: Strategies for successful omnichannel banking."

The guide presents findings about FIs' efforts to develop cross-channel strategies that link their ATMs with their mobile channels, their branches and Internet banking. It also identifies how the role of the ATM will evolve in the future omnichannel banking environment.
The document includes detailed survey results, as well as chapters that cover:

• key trends in cross-channel integration;
• case studies from ATM and branch innovators; and
• interviews with innovative banks.
• Sponsorship of the guide by Auriga makes it possible for ATM Marketplace and Mobile Payments Today to offer our readers a download of the entire publication at no cost.

Following is one of 17 interviews profiling many of the world's largest and most innovative banks and payment networks:

---

BBVA

"ATMs will have two important roles in the future," said Manuel Crespo, Madrid, Spain-based BBVA's head of physical channels technology. "Firstly, they will absorb the majority of low-value transactions, allowing staff to perform higher-value tasks for customers. Secondly, ATMs will serve as the link between digital and physical banking channels."

Crespo believes it will be important to offer videoconferencing at ATMs, personalization of ATM interfaces from mobile devices, cardless ATM transactions, cash recycling at ATMs and ATM access via biometrics.

"Biometrics will provide an alternative to card and PIN-based transactions, allowing non-card customers to access the ATM network," he said.
For Crespo, the best cross-channel strategy is to offer the same user experience across all channels. Processes must be designed and implemented in the same way, as opposed to having different processes for each channel. This will allow customers to jump seamlessly from one channel to another, and initiate transactions on a mobile device which they complete on another channel.
"Since mobile devices play such an important role in our lives, they should be considered as the main method for authenticating payments and customer service requests," he said.
BBVA's ATMs offer the following facilities:

• customizable menus;
• personalized product advertising and offers; and
• the ability to set up alerts based on specific rules.

Currently, BBVA offers the following mobile integration services at its ATMs:

• cardless ATM transactions involving NFC-enabled mobile devices;
• cardless ATM transactions using a one-time authentication code;
• locating the nearest using mobile devices; and
• withdrawals of cash received via mobile P2P fund transfers.

BBVA plans to roll out cardless ATM transactions from mobile wallets using QR codes by the end of 2014, and is developing the following services:

• allowing customers to use their mobile deice to customize their own ATM menu; and
• offering a real-time view on a mobile device of services on the selected ATM.

Based on its U.S. subsidiary BBVA Compass' drive-thru ATM video conferencing services, BBVA is working on a proof of concept for video-conferencing at its Spanish ATMs, Crespo said. Following the 2013 launch of assisted self-service banking terminals at its flagship branch of the future in Spain, BBVA plans to roll out assisted self-service technology in its other branches.

Apple Pay & Google Wallet Vs CurrentC

Apple Pay and Google Wallet have found an arch nemesis: CurrentC and the Merchant Customer Exchange. With CVS and Rite Aid disabling their NFC terminals to shut out Google Wallet and Apple Pay. Unlike Apple Pay, which Tim Cook touted on stage last summer puts the customer experience first, CurrentC revolves around one simple notion: limiting credit card fees retailers are forced to pay. 

The Mobile Customer Exchange (MCX) was formed in 2011 in an effort to fight back against the credit card fees required when customers swipe their cards to pay. The battle isn't a personal one against Apple Pay or Google Wallet. Though while Apple and Google's method is attached to credit cards, it isn't as if the iOS and Android apps require more fees to be paid either. Cleverly, retailers are looking to nip Apple Pay in the bud before many smartphone owners know what they're missing.

Companies part of the MCX

http://www.idigitaltimes.com/apple-pay-google-wallet-vs-currentc-nfc-users-inconvenienced-retailers-battle-against-credit-cards

Which Mobile Payment Methods are Consumers Using?

Mobile payments are beginning to make their mark on the US retail market. Starbucks is one of the biggest players in the space with over 10 million users actively using their mobile payment and loyalty application, an app that accounted for more than $1 billion in sales during 2013.

However apps such as Starbucks, Google Wallet, ISIS, PayPal, LevelUp are just the tip of the iceberg, with new mobile payment options popping up on a near daily basis. Regardless as to the name or benefits of the application, most mobile apps leverage one of 4 types of methods for accepting and sending payments - NFC (or tapping the mobile device near the point of sale), presenting a QR Code to a scanner located at the point of sales, scanning a QR Code located at the point of sale, and direct payments sent from one mobile device to another.

According to the Q2 Mobile Wallet report from Nielsen, 40% of mobile wallet users state that they use their mobile devices as their primary form of payment. One of the more interesting aspects of the report is on the methods consumers are leveraging when using their smartphones or tablets to purchase goods or services.

The impact of the major mobile players is clearly seen in the report, as the method employed by Starbucks of scanning a QR code at the point of sale is currently used by 45% of mobile payment smartphone users. However the report also offers contrary evidence to those that feel NFC is dead with a surprising 37% of individuals stating they have used the technology to make a purchase.