Smartphone life shakes up website world


 Is your company website geared up for view on smartphone or computers and tablets. If you  follow the techy world you will see that more and more of us are using Smartphone as a means of accessing the internet. If your website is not user friendly to apps then you will rapidly be left behind in this increasingly digital world – think about it if you wish to remain  in business!

In-store mobile wallet payments will reach €78bn in Europe and North America by 2017.

Finally all parties look as if they are getting their acts together to provide a mobile wallet service in Europe and US. Up until now it as been patchy with individual providers like Starbucks leading the way. I look forward to seeing how the alliances between the parties develop. From my perspective I am interested to see what the security will be like, and most importantly who foots the bill when you loose your mobile.

Mobile wallet In US mobile are reaching all time high and it has become the focus of some local authorities and police departments. Watch this space for more information on this …….. to be continued.



Update on use of Mobile Wallets in US & UK


For those of you followed my earlier blog on Mobile wallets ( the message its pretty much the same ( talks about the US market place which not surprisingly is further advanced than UK & Europe.
The article ( deals with situation in UK using the the same data set  mention in the earlier article but also also brings up some new statistics. But the general message for UK is that consumers like you and me are still concerned about security and it goes on to talk about how many consumers surveyed identified a lack of in-store promotion of contactless payment. The study also found that staff were frequently uninformed about contactless payment, unsure whether the stores accepted it, and unaware of minimum payment requirements or upper limits.

So the players who are trying to convert us consumers – you need educate your own staff as well as consumers – get your act together if you are serious about mobile wallets in the UK.

Heart shaped Fruit Tart


For the sweet pastry use a heart shaped base pan to keep with the theme!


Crème patissière

Ingredients for the toppings

To serve

Preparation method

  1. For the sweet pastry, preheat the oven to 190C/350F/Gas 5.
  2. Lightly grease and flour 12 x 8cm/3¼ heart shaped tins.
  3. Stir the flour and salt together in a large mixing bowl. Add the flattened butter straight from the fridge into the flour and rub in the mixture.
  4. Add the sugar, mix together the eggs and egg yolk, and  add to the mixture. Gently mix with a dough scraper, or spatula, until the dough comes together in a ball.
  5. Lightly flour a work surface, tip the pastry ball out onto it, and knead until you have a smooth soft dough. Shape the pastry into a square, to make it easier to roll out.
  6. Place the dough the fridge to chill for an hour minimum, preferably overnight.
  7. Remove the pastry from the fridge and lightly flour a work surface. Roll out the pastry 2-3mm thick and line the 12 tins, leaving an overhang of pastry. Place some greaseproof paper over the top and fill with baking beans. Rest in the fridge for 30 minutes.
  8. Once chilled, place the pastry tart cases on a baking sheet and cook for 15 minutes. Lift out the paper and beans, brush with beaten egg yolk, and place back in the oven for 8 minutes.
  9. Remove from the oven and allow to cool for 15 minutes. Then trim the edges and lift out onto a cooling rack.
  10. For the crème patissière, place the milk, vanilla seeds and pods into a large saucepan and warm though.
  11. Place the eggs, sugar and flour in a large mixing bowl and whisk until the colour changes and becomes pale. Gradually add the warm milk and vanilla to the egg mixture, whisk together, then return the mixture to the pan. Cook on a low heat until it the mixture thickens, then pour into a clean bowl. Place a circle of greaseproof paper on the mixture, to stop a skin forming.
  12. If you would like to flavour the crème with kirsch, add it to the crème once it is cold.
  13. To make up the fruit tarts, spoon the crème patissière in a piping bag, and pipe into the pastry cases. Top the tarts with the strawberries.
  14. Put the apricot jam and 1-2 tablespoons of water in a small sauce pan and warm it through, so it loosens up and becomes more liquid. Lightly brush the fruit to glaze.
  15. To serve, place the tarts on a cake stand and dust with icing sugar, and garnish with mint tips or pistachios.


With permission of


More about mobile wallets


I came across two articles which follow on from my article last week on mobile wallets.


In the article on “Comment: Mobile Wallets – Can IT withstand the strain?” ( makes some very interesting points about how retailers need to have a very good overview of all the technology they have a cross their organisation. The technology will need to be integrated with the mobile wallet technology for the business to get the maximum benefit from what mobile wallets have to offer – such as information about purchases trends and needs of their customers. Because the technology is spread across many departments there will turf issues to deal with, e.g. Customer loyalty card information may reside with Marketing or Sales. 

It is also important that the system is robust and can cope with customer demands which ebb and flow and that the system has the capacity to deal with demand place on the system at peak times. Lastly, all the above has be seamless and work 100% of the time as it will make sure the customers gets a good service or they will not come back with more business in the future.


In the article “2013: opening the mobile wallet?”( are two conflicting reports. There are conflicting reports about the use of mobiles for banking and the use of mobile wallets. This all

highlights the huge debate that is going in some circles about this new technology. There is also a difference between the relative use in US and Europe which I have talked about in earlier blogs on this subject. ICM Research talks about the doubt as to whether mobile wallets will really feature in 2013. Whereas Juniper Research talk about over 1 billion people will use mobile for banking purposes by 2017.


So what does all this mean to you as consumer and potential user of mobile wallets? Apparently 80% of us are aware of mobile wallets now but only 8% are prepared to use them. The mobile joint venture between EE, O2 and Vodafone say that education will help persuade us to make the move. However, this is disputed by the ICM Research data and goes on to say that the use of mobile wallets is in its infancy with lack of support, few terminals and little or no in-store promotion. This is certainly the case in the UK with only a very small number of retailers using the technology.


There is also the concern amongst consumers like myself about the security of mobile wallets. This has not been help by the major players not talking to each other and going their separate ways – although I understand things are improving on this front. But uptake will remain patchy until all parties get together and thrash how to move forward constructively, and reassure consumers like myself with a consistent message. After all many of us who have been around a while will remember a number of battle royals between two or more companies or organisations in the same field fighting over different technology to get you and I to buy their particular product. 

2013 not year for mobile wallets in UK


Mobile wallet

Last year we heard quite a lot about mobile wallets, what will happen in 2013. As one might expect in the US it is becoming more available and consumers seem to be become more receptive,  more retailers are making the service available.



In the UK it is a little slower, it is available but only to limited extent. Consumers are still concerned about security, only limited number of phones have capability, and mobile contracts tie you in for up to 2 years. All this means that although mobile wallets will be available to some, for the majority of consumers  it is still a little time away. 


However, despite the above consumers are increasing using smartphones and tablets to access to information and buying  products and services on the internet. The impact of this is seen regularly on our TV screen with a number of well known brands going to the wall. So in the longer term I do believe that consumers will embrace the concept of mobile wallets – its a natural progression. If this is to be sooner rather than later the players in the arena such as mobile suppliers, banks, and retailers need to work together. Those slow to embrace the new technology will be left behind and if they are not careful end up on the evening news as another brand or supplier consigned to the history book.

Smartphones using more data than tablets


It seems that we smartphone owners are using more data than tablets. I have noticed this on my own smartphone (Galaxy III). The bulk of my consumption is on home wifi – so it is free which is just as well as it is upto 3.7G last month! Smartphones are also now becoming more important in our daily shopping which might account for some of this increased data usage.

For those of you concerned about this increased usage should use one the many apps available to monitor usage I use – My Data Apps – Morbidia Technology Inc. Check out your App store to find the best one for you.

Beginners Guide on Mobile Wallets




If you are like me and think the concept of a Mobile wallet is in principle a good idea but have reservations about the pros and cons,  here is a Beginners Guide which might help.

More new on Apple’s new iPad problems



A few days ago I wrote on the problems that apple are having with their new iPad. The UK Authorities are thinking about launching a full investigation into Apple’s previously broad marketing claim that the third-generation iPad is able to connect to high-speed 4G LTE network. Apple’s Wi-Fi + 4G iPad operates on the 700MHz and 2.1GHz bandwidths in the new iPad currently. In Europe 800MHz and 2.6GHz channels for 4G have been reserved for use, the UK is going to schedule an auction wireless spectrum at the end of 2012.

What does the future look like for telecommunications?



We have all heard of HUD (Heads Up Display) technology it has been used in military aircraft and even some of the more expensive cars as seen on the left. Well what about in combination with your Smartphone and a pair of glasses? Communications sector is always coming up with the next idea to sell phones and Googles latest concept is  HUD in pair of glassesIf you wish to see into the future read this article Its interesting stuff and gives you an idea as to what we can expect in the future.

However, it is not without some issues. As Google are behind it and they have advertisers to please as well as ensuring a viable revenue stream. It does raise the question as to how to the balance the need for advertising without having annoying adverts displayed in your spectacles! Also they will need to convince people its cool to wear these new communicating specs – I am sure its not beyond their ingenuity.