Top 10 ‘Next Wave’ Mobile Commerce Strategies


Figure 55: Top 10 ‘Next Wave’ Mobile Commerce Strategies

( Click on the images to view )

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There are several effective next wave mobile strategies that you can consider for conducting m‑commerce transactions.

C11. QR Code Transactions

One innovative approach for processing m-commerce transactions that does not require an extensive change in the infrastructure is the use of QR codes. Starbucks and Burger King have launched mobile payment apps that enable customers to pay for their meals by scanning a QR code at the cash register or drive through window. This makes it easier for customers to pay for purchases.

The interesting aspect of this payments approach is that it doesn’t require the retailer to purchase hardware such as NFC, RFID or barcode scanner devices.[i] Starbucks has processed over 50 million purchase transactions via its mobile payment QR code app.

Burger chain Larkburger has adopted a third-party mobile payments alternative to streamline its checkout processes. Customers download the LevelUp app and set up an account with their debit or credit card. A camera at the checkout register then simply captures the QR code on their smartphone to process the payment. Transaction receipts via e‑mail complete the paperless process.

Astute management actually views payment processing as a key component of creating a great dining experience; it’s not just about the food, but about ease of payment as well. Furthermore, electronic mobile payments enable Larkburger to track customers and implement loyalty tactics (e.g., $5 for first time app usage and a $10 credit for every $100 worth of purchases).[ii]

C12. Biometric Transactions

Biometric finger recognition or palm scanning now enables instant payment and loyalty points processing – no credit or debit cards needed.[iii] There are many different approaches for conducting biometric transactions. Piggly Wiggly implemented Pay By Touch biometric scanners at checkout to enable customers to pay for groceries with their fingerprint. By setting up an account beforehand, customers could select the payment method as well as the store loyalty card to credit.

Adoption has been high with almost 20 percent of non‑cash customers signing up. An interesting aspect of the launch is that the adoption has been surprisingly high for seniors. This could be due to the security benefits of seniors not needing to carry around large sums of cash.

Adoption by employees was also very high as they could make quick purchases during their breaks. Key customer benefits include faster lineups and not needing to have their wallet with them to make a purchase. A key benefit to Piggly Wiggly was more repeat store visits by early adopters.[iv]

CITYBANK IMAGE

Figure 56: Citibank Pay By Touch Biometrics Commerce TransactionsCitibank has introduced Pay By Touch biometric fingerprint scanners for retail purchase transactions.[v]

The downside of the examples described above is that they require special biometric scanning devices installed in all the retail locations using them. One innovative approach for biometric payments that Apple and others may be exploring involves the use of fingerprint scanning technology directly on the consumer’s mobile device. This would require an app, but would not require any additional in‑store infrastructure. The app would authenticate that the person making the payment is truly authorized.[vi]

C13. Pay by Phone Bill Transactions

ZONG LOGO        SCREENSHOT ZONG

Figure 57: Charge your Phone Bill with Apps such as Zong or Boku

Innovative apps from companies like Boku[ix] or Zong[x] enable customers to simply charge purchases on their mobile phone bill. Security is improved as no credit card details are required and a single-tap transaction makes it a simple, speedy, frictionless transaction.[xi]

QR ZONGWatch the Video: Pay by Phone Bill Transactions – Zong: The Zong app enables consumers to charge purchases onto their telecom carrier phone bill. No credit or debit card is needed.[xii] <goo.gl/IW2eu> (Duration: one minute)

C14. Click-to-Call Transactions

Click-to-Call enables a person to simply tap a phone number on a smartphone and immediately connect to someone on the phone. Once a sales person is reached, consumers can ask questions about the product, store hours and product availability in a certain store.

Most companies will simply end the call at that point and leave it up to the customer to make it to the store, find the product and stand in line to complete the transaction. But that is a missed opportunity since a lot can happen after the call has ended. The consumer could stop by your competitor’s store first, place a web query to see if there is a lower price online or simply get distracted with a detour that takes them off in a different direction.

Clever organizations understand this and put a process in place to conduct Click-to-Call Transactions. Once all of the consumer’s questions have been answered, the call centre or store representative can attempt to close the sale on the phone and complete the transaction (e.g., with a credit card). An effective click-to-call transaction should have processes in place to notify the store to ready the item for pickup.

A more robust click-to-call transaction process could even eliminate the store visit altogether and have the item shipped directly to the customer. This is one form of clicks and bricks transactions that will be covered in more detail in the next section.

Conducting click-to-call transactions may be another powerful tactic for tackling a major problem with online sales – abandoned shopping carts. Research suggests that about two‑thirds of online transactions are abandoned before completion.[xiii] Encouraging click-to-call transactions during more traditional web commerce transactions could potentially have a significant impact on reducing lost sales.

QR CLICK TO CALLWatch the Video: Click-to-Call Ads – Google: Instructions on how to place Click-to-Call ads with Google.[xiv] <goo.gl/LZFPf> (Duration: two minutes)

C15. Clicks and Bricks Transactions

Clicks and Bricks Transactions integrate mobile web or mobile apps with brick and mortar facilities. For example, Best Buy in the UK has launched a mobile app that enables customers to order and pay for products on their smartphone, with the option to get their purchase delivered or save money and pick it up from a nearby Best Buy store.[xv] This strategy requires coordination between the mobile ordering system, real‑time inventory systems and local service personnel who can get the item ready for pickup.

Large retailers are stepping up their efforts to capitalize on their physical locations by integrating their online presence (clicks) with their offline physical facilities (bricks) by introducing more clicks and bricks mobile service options.

Stores like Walmart, Sears and Macy’s are adding options such as “pickup locations, free shipping outlets, payment booths and even drive-thru customer service centers for online sales to their brick and mortar buildings.”[xvi] Picking up or returning an item without ever leaving your car is a great convenience for people on the go.

QR click and bricksWatch the Video: Clicks and Bricks Transactions – Home Depot: Home Depot offers a Buy online, pick up in‑store service.[xvii] <goo.gl/Q4ce5> (Duration: one minute)

These options have many benefits for retailers including a reduction of sales lost to online and real‑world competitors; better utilization of physical assets; and an increase in average order size, number of store visits, revenues, inventory turns and margins.

Placing an online order and picking it up at a physical location has many advantages for shoppers including free shipping (especially valuable for bulky items), same‑day delivery and returns, the convenience of only being directed to a store that has the item in stock, the ability to pay by cash and elimination of the risk of fraud and identity theft associated with online credit card shopping. As a result, demand for this option is high, so retailers are satisfying the need with solutions.

Walmart, Sears (sears2store)[xviii] and Home Depot all enable customers to buy on the web or smartphone and pick up in‑store. Over half of online sales at Walmart.com are picked up in Walmart stores through its site to store® option, which now accounts for two percent of sales.[xix]

This has even opened up a new business model opportunity for Walmart. You can actually buy goods at Walmart.com from other retailers and still get free shipping to your nearby Walmart store. Walmart earns a portion of the sale, maximizing utilization of its physical assets such as stores, trucks and logistics systems.

To combat this advantage, online-only stores are partnering with distribution networks that use existing physical stores to help them distribute goods.[xx] Amazon is opening several distribution centres near major cities. This could open up a new service opportunity for next day and same day delivery, creating a clear threat to real‑world retailers.[xxi]

Nordstrom achieved an eight percent increase in same‑store sales by integrating the inventory systems of all of its stores with its online ordering system. Customers can determine exactly which store has a particular product in stock so they can buy it/reserve it/pick it up or get the store to deliver it. This integrated single view of inventory becomes even more important as people make these queries from smartphones while en route and then receive directions to the closest store with a particular item in stock.

Companies without this integrated view of inventory would not be able to accurately direct the consumer and therefore could lose the sale. Mobile customers are important targets since customers that purchase from multiple channels actually spend four times more than a single channel customer.[xxii]

C16. Pay by Name Transactions

Imagine walking up to a retail clerk and simply providing your name to charge a purchase on your tab. It’s now possible with Pay by Name apps. These apps can be set up so that the retailer immediately sees the name of the person and their photo to verify the transaction. With Square’s Pay with your Name app, you can make purchases without even taking your phone out of your pocket. It also displays popular menu items in real time and lets consumers see current and past transactions on their tab.[xxiii]

QR  PAY BY NAMEWatch the Video: Pay by Name Transactions – Square: Square’s Pay with your Name app enables consumers to pay for purchases simply by identifying themselves; setting up a tab is quite simple.[xxiv] <goo.gl/Bb0VC> (Duration: two minutes)

C17. Employee Mobile Transactions

There are a number of different ways to transform mobile devices into payment processing platforms for use by your employees. Technologies such as those from Square, Intuit or PayPal simply require a small device to be plugged into the smartphone to swipe a debit or credit card. Similar to current in‑store and in‑restaurant payment systems, customers can add a tip and approve the transaction.

The difference though, is that these systems are completely paperless. The customer signs for the purchase directly on the smartphone and an electronic receipt is then sent to the customer via e‑mail or text message.

QR CODE EMPLOYEE MOBILE SQUAREWatch the Video: Employee Mobile Transactions – Square: A powerful demonstration of the impact of the Square payment system on small business success.[xxv] <goo.gl/rvq1F> (Duration: one minute)

QR CODE PAYPALWatch the Video: Employee Mobile Transactions – PayPal: PayPal employee mobile payment transactions.[xxvi] <goo.gl/91M0v> (Duration: one minute)

Teen fashion retailer PacSun rolled out hundreds of iPads to its sales associates across the country. Its goal was to increase in‑store sales by providing personalized service to complete sales transactions on iPads, bypassing cashier lineups. Associates are even guided to suggest coordinated accessories or close m-commerce sales for items that are out of stock.

This strategy has decreased walkouts and increased revenues, giving PacSun a competitive advantage. Customers can even scan QR codes on the sales associate’s iPad to transfer exclusive content to their smartphones. The iPads are also used to distribute up-to-the-minute product information and training materials to employees.[xxvii]

The benefits of employee payment processing systems can be even more profound when the current payment method is cash only. The Girl Scouts organization provided mobile payment swipers to its Scouts enabling them to accept credit and debit card payments for cookie sales. As a result some troops experienced sales increases from 13 percent to 27 percent; one troop reported an almost 400 percent increase in average sales transactions.[xxviii]

Some companies are even experimenting with mobile payment processing methods that do not require plugging additional hardware into the mobile device at all. The customer’s credit card is simply placed against the face of the smartphone, it gets scanned, and the credit card information is entered into the app. Voila, a completed m-commerce transaction.[xxix]

These m-commerce transaction systems have a number of benefits for the companies using them.

  •       Generate larger transactions.
  •       Generate more impulse purchases.
  •       Simplify transactions (tax and tip calculator).
  •       Reduce transaction errors (built‑in tax calculator).
  •       Improve cash flow (money flows immediately into the bank).

There are also a number of benefits for consumers:

  •       Faster transactions
  •       More convenient (no searching for cash), and
  •       More green (digital signatures and receipts sent electronically).

JC Penney announced that mobile checkout smartphones and tablets will replace its cash registers in 2013. Benefits include a simpler shopping experience, lower cost, increased sales and powerful analytics “about how consumers are interacting with their merchandise both online and in store… If done correctly, large retailers can free up at least one hundred square feet of floor space for additional merchandise.”[xxx]

Retailer Urban Outfitters has also announced that it is never buying another cash register. In‑store transactions will be done on iPads on a swivel that can be viewed by both sales associates and customers. iPad apps can also provide additional functionality to collect customer information, view product details or set up a gift registry. Sales associates will be armed with iPod Touches as well.[xxxi]

Ports Coffee & Tea already uses an iPad as a cash register – customers sign with their finger to pay. Customers can also pay for drinks via a mobile app. Receipts are then e‑mailed to customers to complete the paperless process.[xxxii]

Mobile solutions have also been introduced to process EMV credit card and debit card transactions, also known as Chip and PIN transactions.[xxxiii] EMV stands for Europay, MasterCard and Visa. It is a global standard for the interoperability of integrated circuit cards.

These Chip and PIN cards are more secure than magnetic stripe credit cards since they are much more difficult to duplicate and have an option to require a password before they can be used.[xxxiv] This introduces yet another option for companies to enable employees to securely process credit and debit card transactions using mobile devices.

C18. Tap ‘n Go Transactions

FIGURE 58 NFC TAP N GO

Figure 58: NFC Tap ‘n Go Commerce Transactions

NFC enables simple tap ‘n go transactions with a specialized device that can receive funds from your customer’s smartphone, tablet or NFC‑enabled chip card. All that’s needed is a simple tap and the payment is complete. A PIN[1] code could be added to raise the level of transaction security.

NFC holds a lot of promise for m-commerce. Of the $1.3 trillion in mobile payment volume expected per year by 2017, more than half of that volume is projected to be NFC transactions.[xxxvi] This form of m-commerce has not taken off in a big way yet, since most smartphones are not NFC‑enabled. It also requires organizations to adopt NFC devices and that will take time. The diffusion of innovation is always slow when an infrastructure change is required, as seen in this case.

More NFC success has occurred in Asia with examples such as the Octopus card in Hong Kong that can be used to make tap ‘n go purchases for everything from a bus ticket to a meal and a beer.[xxxvii] If NFC is ever adopted in iPhones or iPads, it could become a tipping point to help propel NFC usage in the future.

qR GOOGLE WALLETWatch the Video: Google Wallet Tap ‘n Go Transactions: An introduction to the Google wallet app that can store credit cards, loyalty cards, gift cards and coupons. Google’s SingleTap can improve the customer checkout process.[xxxviii] <goo.gl/eH33a> (Duration: three minutes)
QR MASTERCARDWatch the Video: MasterCard Tap & Go™ PayPass Transactions: MasterCard’s Tap & Go™ PayPass payment system enhances ease of access for New York and New Jersey transit riders.[xxxix] <goo.gl/jBPAa> (Duration: three minutes)

C19. Customer Self-Checkout Transactions

Customers can now complete Customer Self-Checkout Transactions on their smartphones in places such as retail stores, restaurants and grocery stores. The PizzaExpress app enables customers to pay for their tab with a credit card, debit card or PayPal payment right at the table. Payment confirmation then gets sent to the waiter and the customer gets an electronic receipt. Staff benefits from reduced workload and patrons benefit from reduced wait time, especially during peak periods.[xl]

Toys R Us has introduced an “in‑store ordering system that gives customers and store associates access to the Internet to order items they cannot find in the store,” as well as “the ability to buy online and pick up in‑store.”

AISLE PICTUREAISLE LOGO

Figure 59: Customer Self-Checkout Commerce Transactions – AisleBuyer

Mobile self-checkout apps such as AisleBuyer enable retail customers to scan items in‑store, access detailed product specifications and prices, read product reviews, receive coupons, place items in their virtual shopping carts and check out with a mobile payment. This eliminates checkout lines at the cash register.[xliii]

QR AISLE DEMOWatch the Video: Customer Self-Checkout Commerce Transactions – AisleBuyer: AisleBuyer’s mobile self-checkout app enables consumers to bypass lineups. Customers simply provide the smartphone digital receipt as proof of purchase and exit the store.[xliv] <goo.gl/AUHrc> (Duration: two minutes)

AisleBuyer’s mDine app gives customers full access to restaurant menus and the ability to place food orders from their smartphones while outside or inside the restaurant. Customers can quickly access past orders, place new orders and make a mobile payment including tip. This permits customers to skip lineups and reduce wait times for both food and payment. Analytics can then be used to track consumer behavior and influence future marketing promotions.

SUPER STOP & SHOPSTOP n SHOP APPLI

Figure 60: Stop & Shop Supermarket Scan It App

Stop & Shop Supermarket’s Scan It app lets consumers browse deals, shop, scan, tally and pay for their groceries.[xlvi]

Stop & Shop also provides in‑store handheld Scan It devices to customers, but one day the pervasiveness of smartphones could eliminate the need for such devices. Analytics are used to make automated personalized offers to customers based on their past purchasing history.[xlvii]

C20. Immersive Video-Enhanced Transactions

Some retailers have also had success in exploiting the power of video to trigger commerce transactions. Fashion house Burberry created a retail theatre concept by streaming live video of male and female runway shows in Milan, Italy via an iPad app.[xlviii] No doubt the pounding music, professional models strutting down the runway and celebrities in the front row all added to the excitement of the event and the Burberry brand.

Viewers could click on any item in the show to make an instant purchase via the click-to-buy commerce option. The chance to buy the latest fashions directly from Milan even before they hit the stores can be very alluring for some customers.[xlix]

Combining the power of video, social media environments, creativity and entertainment, companies are already creating entirely new innovative commerce worlds.

QR CODE C 20Watch the Video: Immersive Video-Enhanced Transactions – Only.com: Only.com created a totally immersive video experience called “The Liberation – an online interactive film experience. It is a fashion catalogue, a movie, a game, a music video and the world’s first on‑demand video retail environment.” They claim to have generated over 280,000 visits in two weeks.[l] <goo.gl/nbCi2> (Duration: two minutes)

Mobile Transaction Innovation Benefits

These innovative payment methods have a number of benefits including customer convenience, staff convenience and the ability to up‑sell and cross-sell. Another powerful reason for companies to explore various electronic payment methods is to reduce credit card transaction fees; the more transactions that can be converted, the bigger the impact to the organization’s bottom line.

Square even announced an option recently for small businesses to pay a fixed monthly fee, eliminating credit card transaction fees for most transactions.[li] These transaction savings can quickly add up, resulting in an immediate improvement to a company’s profitability.

M‑Commerce Best Practices

An effective m‑commerce strategy must address two crucial commerce barriers: complicated purchasing and payment processes, and consumers that do not feel secure.

     Tackle security and the perception of security by:

  • Building solid secure payment mechanisms and making them highly visible to visitors
  • Offering personalized support such as click-to-call to reduce the proportion of abandoned shopping carts, and
  •  Creating prominent alliances with other brands such as credit card companies, banks, m-commerce wallet and payment vendors (e.g., PayPal, Google, Apple), commerce auditing services (e.g., WebTrust, TRUSTe, Better Business Bureau), online commerce vendors (e.g., eBay, Amazon.com and Yahoo Shopping) and strategic alliance partners.

     Simplify purchase and payment processes by:

  • Conducting usability testing and eliminating any complexities from the buying process
  • Building smartphone sensors into the buying process (e.g., RFID, location-aware apps), and
  • Implementing multiple m-commerce methods since customers likely already have a preference for using certain established accounts (e.g., PayPal Mobile Express, Apple’s Passbook or simple over-the-phone credit card transactions).

    See Appendix H to learn about a comprehensive tactical model for creating an m‑commerce strategy using the Bullseye M‑Commerce Model and the Bullseye M‑Commerce Scorecard.

Challenge Questions

Next Wave Commerce Transaction Strategies and Priorities: Does it make sense for your organization to implement multiple next wave mobile payment transaction methods, and if so, which ones rank as the highest priority? Which technologies and strategies would you use? How would you implement them? How would you communicate and promote them? What are your sales objectives for each transaction strategy?


[1] PIN stands for Personal Identification Number and decreases the risk of fraud.


[i] Rimma Kats. “Burger King pilots mobile payments program to accelerate mcommerce push.” Mobile Commerce Daily. June 15, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/06/15/burger-king-pilots-mobile-payments-program-to-accelerate-mcommerce-push.

[ii] Chantal Tode. “Larkburger chain adopts mobile payments to streamline checkout.” Mobile Commerce Daily. July 18, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/07/18/larkburger-chain-adopts-mobile-payments-to-streamline-checkout.

[iii] Lauren Lowrey. “Biometric payments expanding to grocery and convenience stores.” SecureIDNews. February 2, 2005. Accessed November 4, 2012. http://www.secureidnews.com/2005/02/02/biometric-payments-expanding-to-grocery-and-convenience-stores/.

[iv] Josh Meier. “Piggly Wiggly wiggles themselves into the 21st century, but at what cost?” ars technica. July 18, 2005. Accessed November 4, 2012. http://arstechnica.com/uncategorized/2005/07/5110-2/.

[v] Sumner Lemon. “Citibank Singapore debuts biometric fingerprint payment system.” Digital World. November 22, 2006. Accessed November 4, 2012. http://www.digitalworldtokyo.com/index.php/digital_tokyo/articles/citibank_singapore_debuts_biometric_fingerprint_payment_system/.

[vi] Chantal Tode. “Apple bets consumers would rather swipe than tap in mobile payments.” Mobile Commerce Daily. July 31, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/07/31/apple-bets-consumers-would-rather-swipe-than-tap-in-mobile-payments.

[vii] “Zong Mobile Payments.” CrunchBase. Accessed November 4, 2012. http://www.crunchbase.com/company/zong.

[viii] Christopher Mack. “Mobile App Roundup: Donations, Big Fish Games, Stocks, & More.” Inside Mobile Apps. March 18, 2011. Accessed November 4, 2012. http://www.insidemobileapps.com/2011/03/18/mobile-app-roundup-donations-big-fish-games-stocks-more/.

[ix] Ryan Kim. “Boku’s Eurotrip nets big mobile payment deals.” GigaOM. August 29, 2011. Accessed November 4, 2012. http://gigaom.com/2011/08/29/bokus-eurotrip-nets-big-mobile-payment-deals/.

[x] “Buy digital goods with your mobile – easy, safe mobile payments – Zong.” Zong. Accessed November 4, 2012. http://www.zong.com/.

[xi] Chantal Tode. “Boku monetizes Android apps with carrier billing.” Mobile Commerce Daily. July 5, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2011/07/05/boku-monetizes-android-apps-with-carrier-billing.

[xii] “Zong mobile payment demo on a Facebook app.” YouTube. Uploaded by Zongtv on June 5, 2009. Accessed November 4, 2012. http://goo.gl/IW2eu or http://www.youtube.com/watch?feature=endscreen&NR=1&v=aLjRcAFrGiI.

[xiii] Nach Maravilla. “8 Tips to Reduce Shopping Cart Abandonment.” PowerHomeBiz.com. September 3, 2012. Accessed November 4, 2012. http://www.powerhomebiz.com/online-business/shop/shopping-cart-abandonment.htm.

[xiv] “Mobile [Ad]itude 9 with Meredith: Click to Call Ads.” YouTube. Uploaded by GoogleMobileBlog on January 27, 2010. Accessed November 4, 2012. http://goo.gl/LZFPf or http://www.youtube.com/watch?v=A-YfV2ZuJkc.

[xv] John Montgallo. “Best Buy UK makes a significant move into m-commerce.” Mobile Commerce Press. September 1, 2011. Accessed November 4, 2012. http://www.qrcodepress.com/best-buy-uk-makes-a-significant-move-into-m-commerce/853851/.

[xvi] Stephanie Clifford. “Luring Online Shoppers Offline.” The New York Times. July 4, 2012. Accessed November 4, 2012. http://www.nytimes.com/2012/07/05/business/retailers-lure-online-shoppers-offline.html.

[xvii] “Buy Online, Pick Up In-Store Service – The Home Depot.” YouTube. Uploaded by homedepot on September 2, 2011. Accessed November 4, 2012. http://goo.gl/Q4ce5 or http://www.youtube.com/watch?v=dVfSJIT8-Yw&feature=related.

[xviii] “Shop Your Way.” YouTube. Uploaded by Sears on April 21, 2009. Accessed November 4, 2012. http://www.youtube.com/watch?v=kWLno1NQlxs&feature=related.

[xix] Diana Bailey. “How to Use Walmart’s Online Site to Store Delivery.” eHow. Accessed November 4, 2012. http://www.ehow.com/how_4548804_use-walmarts-online-site-store.html.

[xx] Stephanie Clifford. “Luring Online Shoppers Offline.” The New York Times. July 4, 2012. Accessed November 4, 2012. http://www.nytimes.com/2012/07/05/business/retailers-lure-online-shoppers-offline.html.

[xxii] Stephanie Clifford. “Nordstrom Links Online Inventory to Real World.” The New York Times. August 23, 2010. Accessed November 4, 2012. http://www.nytimes.com/2010/08/24/business/24shop.html?_r=1.

[xxiii] Jennifer Van Grove. “Square Announces New Consumer Initiative: Pay With Your Name.” Mashable. May 23, 2011. Accessed November 4, 2012. http://mashable.com/2011/05/23/square-pay-with-name/.

[xxiv] “NEW!! Pay With Your Name.” YouTube. Uploaded by 85anonimous on May 25, 2011. Accessed November 4, 2012. http://goo.gl/Bb0VC or http://www.youtube.com/watch?v=p74F7dKndBM.

[xxv] “Boccalone Gets Paid With Square.” YouTube. Uploaded by square on February 14, 2012. Accessed November 4, 2012. http://goo.gl/rvq1F or http://www.youtube.com/watch?v=ub10xQrZlH0.

[xxvi] “PayPal Here: How It Works.” YouTube. Uploaded by PayPal on March 15, 2012. Accessed November 4, 2012. http://goo.gl/91M0v or http://www.youtube.com/watch?feature=player_embedded&v=x5woIGSOLGk.

[xxvii] Rimma Kats. “PacSun aims to increase sales via in-store iPad implementation.” Mobile Commerce Daily. August 25, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2011/08/25/pacsun-aims-to-increase-sales-via-in-store-ipad-implementation.

[xxviii] Chantal Tode. “Girl Scouts quadruple cookie sales with mobile credit card swipers.” Mobile Commerce Daily. June 26, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/06/26/girl-scouts-quadruple-cookie-sales-with-mobile-credit-card-swipers.

[xxix] Sarah Perez. “Uber Simplifies Sign Up Process: Just Hold Up Your Credit Card & You’re In!” TechCrunch DISRUPT. April 4, 2012. Accessed November 4, 2012. http://techcrunch.com/2012/04/04/uber-speeds-up-sign-up-process-just-hold-up-your-credit-card-youre-in/.

[xxx] Rimma Kats. “Mobile checkouts will be game-changer for retailers.” Mobile Commerce Daily. August 1, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/08/01/mobile-checkouts-will-be-game-changer-for-retailers.

[xxxi] Joe Weisenthal. “Urban Outfitters Says It Will Never Buy Another Cash Register Again – All Sales Will Be Done On iPods And iPads.” Business Insider. September 27, 2012. Accessed November 4, 2012. http://www.businessinsider.com/urban-outfitters-replaces-all-cash-registers-with-ipads-2012-9?op=1.

[xxxii] Rimma Kats. “Ports Coffee & Tea Co. lets local consumers pay for drinks via mobile app.” Mobile Commerce Daily. June 22, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2011/06/22/ports-coffee-tea-co-lets-local-consumers-pay-for-drinks-via-mobile-app.

[xxxiii] Jonathan Camhi. “New Mobile Payments Platform for EMV Cards.” Bank Systems & Technology. November 09, 2012. Accessed December 24, 2012. http://www.banktech.com/payments-cards/new-mobile-payments-platform-for-emv-car/240077507.

[xxxiv] “EMV.” Wikipedia. Accessed December 24, 2012. http://en.wikipedia.org/wiki/EMV.

[xxxv] “iPhone 5 to Support NFC-Based Portable ‘Remote’ Computing?” MacRumours.com. November 1, 2010. Accessed November 4, 2012. http://forums.macrumors.com/showthread.php?t=1041632.

[xxxvi] “Press Release: Mobile Payments to Reach $1.3tn Annually by 2017, as NFC and Physical Goods Sales Accelerate.” Juniper Research. August 15, 2012. Accessed November 4, 2012. http://www.juniperresearch.com/viewpressrelease.php?pr=332.

[xxxvii] Rimma Kats. “What is the stall with NFC?” Mobile Commerce Daily. June 25, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/06/25/what-is-the-stall-with-nfc.

[xxxviii] “Google Wallet training video.” YouTube. Uploaded by GoogleBusiness on September 21, 2011. Accessed November 4, 2012. http://goo.gl/eH33a or http://www.youtube.com/watch?v=hLbmy4XQsMo.

[xxxix] “MasterCard Tap & Go™ Payment System Enhances Commuter Experience.” YouTube. Uploaded by MasterCard Worldwide on May 28, 2010. Accessed November 4, 2012. http://goo.gl/jBPAa or http://www.youtube.com/watch?v=RY4axTP_XyE.

[xl] Lauren Johnson. “PizzaExpress targets on-the-go customers via iPhone app.” Mobile Commerce Daily. June 22, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2011/06/22/pizzaexpress-targets-on-the-go-customers-via-iphone-app.

[xli] Chantal Tode. “Toys R Us exec: Mobile is a significant strategic advantage.” Mobile Commerce Daily. June 15, 2012. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2012/06/15/toys-%E2%80%98r%E2%80%99-us-exec-mobile-is-a-significant-strategic-advantage.

[xlii] Tom Foydel. “AisleBuyer: At the Intersection of Consumer and Enterprise Technology.” Enterprise Irregulars. October 13, 2011. Accessed November 4, 2012. http://www.enterpriseirregulars.com/42676/aislebuyer-at-the-intersection-of-consumer-and-enterprise-technology/.

[xliii] Rimma Kats. “AisleBuyer drives restaurant industry sales via mobile ordering app.” Mobile Commerce Daily. August 4, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2011/08/04/aislebuyer-drives-restaurant-industry-sales-via-mobile-ordering-app.

[xliv] “AisleBuyer Demo.” YouTube. Uploaded by AisleBuyer on June 11, 2010. Accessed November 4, 2012. http://goo.gl/AUHrc or http://www.youtube.com/watch?v=fLVXt6EmhFE.

[xlv] Rimma Kats. “AisleBuyer drives restaurant industry sales via mobile ordering app.” Mobile Commerce Daily. August 4, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/2011/08/04/aislebuyer-drives-restaurant-industry-sales-via-mobile-ordering-app.

[xlvi] “SCAN IT! Mobile.” Stop & Shop. Accessed November 4, 2012. http://stopandshop.com/scanitmobile.

[xlvii] Rimma Kats. “Stop & Shop lets consumers scan, bag groceries in-store via mobile.” Mobile Commerce Daily. July 12, 2011. Accessed November 4, 2012. http://www.mobilecommercedaily.com/stop-shop-lets-consumers-complete-entire-shopping-trips-via-mobile.

[xlviii] “Burberry – Iconic British Luxury Brand Est. 1856.” Burberry. Accessed November 4, 2012. http://www.burberry.com.

[xlix] Michelle Christina Larsen, Kristian Laliberte. “The Future Of Shopping: Burberry Steps Up Their Game With ‘Retail Theater’.” Refinery29. September 17, 2010. Accessed November 4, 2012. http://www.refinery29.com/burberry-runway-shopping.

[l] “Only The Liberation – Case Film.” YouTube. Uploaded by UncleGrey Denmark on June 1, 2012. Accessed November 4, 2012. http://goo.gl/nbCi2 or https://www.youtube.com/watch?feature=player_embedded&v=kCr7ZP7KC0Q.

[li] Lena Rao. “Square Debuts Monthly Pricing Option For Small Businesses With Zero Swiping Fees.” TechCrunch DISRUPT. August 16, 2012. Accessed November 4, 2012. http://techcrunch.com/2012/08/16/square-debuts-monthly-pricing-option-for-small-businesses-drops-swiping-fees/.

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