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.

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.

0800 numbers might become free for mobiles

Ofcom are considering making calls to 0800 free which is good news. Unfortunately, they are having a consultation exercise first which means it is unlikely to happen before early 2013. Lets keep our fingers crossed and hope the consultation

process comes out in favour of the proposal.

Quad Core mobiles now!

Our mobile phone makers have now come up with quad core processors for our mobile phones. It doesn’t seem two minutes hat quad core pc’s were the latest idea, now it phones. This innovation has arrived and we are already expecting a lot of these phones to come out in the market such as the HTC Edge and rumoured Samsung Galaxy S3 and Meizu MX phones. So if you’re planning on buying a new phone this year, you may have to wait until these phones make an entry into the market.



But what does all this mean, for me I always end up trying to do too much at the same time as my mind goes off in tangents. So those multi taskers it means you can get away with this on your mobile as well as your pc without waiting for ever. So it does more things at the same time. It’s also faster for downloads and uploads, so for those who watch videos or clips on YouTube on your mobile will find it much faster. You will also find that power consumption is lower as quad core processors will break up tasks across it cores, and battery drainage will be less if you forget and leave apps open.



Consequentially, as we have seen of late mobiles will become even more like pc’s with the same processing power. Of course this will initially add some additional cost as all new ideas do, but in time I expect cost will come down. So the big question for me is do I wish to forego the bigger pc screen for a more mobile all be it smaller screened pc? For the moment I will continue to use my iPad and watch developments, and use my desk pc when want peace and quiet in my study. It’s like everything in life each has its place some better for one thing and others more appropriate when out and about. So just think about what each does best and ask yourself will it really help you, or is it just another advertising gimmick to get you to buy a bigger more costly mobile.







Will Google be launching mobile wallet in 2012

There are rumours that Google may be launching their mobile wallet in time for the Olympic in 2012. It is thought that they are in talks with UK retailers in order to extend its anticipated trials in the first quarter of 2012. The UK market seems

Mobile wallet

receptive to  eCommerce following Barclaycard’s ongoing contactless credit card roll out, Orange’s UK wallet and increased levels of e-commerce smartphone demand. It will be interesting to see how consumers feel, as surveys have shown how many people still have concerns about the security around mobile wallets. Personally, I feel these concerns will be addressed as it is in all parties interest to resolve the matter. However, we as consumers need to play our part and be aware of the risks and take out appropriate insurance which is already available to cover any losses associated using our mobiles as wallets.

So be sensible and your mobile phone hopefully will your ‘new flexible friend’ but like all new ideas and gadgets you need understand its advantages and disadvantages so you can get the most benefit from this new technology.

Do you like your kids having a mobile phone?


Mobiles & our kids

A recent UK survey showed that three-quarters of Britons are against children having mobile phones, Reuters reports, but despite this we know that the majority of children possess a mobile phone. Do believe it is a good idea that your child has a mobile because enables you keep in contact with them? Or do you take view they should not have them?

There is also the unresolved matter of what effect the mobile phone signal has peoples health. It has suggested that young children and adolescents may be more susceptible to the harmful effects of mobiles. The problem is the medical data is limited, much more research needs to be done. Governments and the industry are playing the risks down due their vested interests. This attitude has been likened to that of the tobacco industry and cancer 40 years years ago, are we destined to repeat the same mistake with the lives of our children? The problem is that truthfully that there  is insufficient evidence to date. Personally, I think we should be cautious about mobile usage in young children until there is more data available. So what are your thoughts on this?