New Forms of Payment via the Mobile Revolution

The mobile experience has changed every aspect of shopping, from buying to paying. Before there was the ability to shop on phones or iPads, people actually had to go into a store. It sounds insane now, but that’s how people shopped for clothing and grocery’s about seven years ago. Now you can buy anything with your phone, and with that comes the aspect of payment.

Credit cards and debit cards have been the main source of payment for the past decade. Then when there was an increase in the way people shopped online, credit card numbers were used in its place. A couple years into the mobile shopping experience Paypal existed, taking payments for different websites so that the credit card information was secure. Konsier, an app aimed at understanding consumer behavior, even uses mobile payments. Without going to a third party site, you can buy the items that you are looking at on your phone.

Apple pay is another payment software. It is probably more secure than most payment systems, and they have even gotten over 200,000 retailers to use their form of payment, meaning that people trust this payment software. The only problem would occur with people who do not use an iPhone.

These new forms of mobile payments are happening when shopping online with your phone. But, what if someone stole your phone or iPad? When unlocking an iPhone 5s, it will unlock if you use the thumbprint system. Biometrics has been a part of the mobile shopping experience, and has helped keep content such as important credit card information safe. It is a new form of security, but it is slowly going to become a standard feature in phones.

Mobile payments, such as Apple pay, are slowly going to be the new credit card. Australia and New Zealand is far ahead of this mobile payment craze. Utilities, mortgage payments, etc. have been converted onto the mobile platform. Instead of walking into a store with a card, you’ll be walking into store with your phone to pay. The question is, are you ready for that kind of mobile payment technology?

Smart Shopping

Technology has change the way that we live, it has changed the way that we view life, and most importantly it has changed the way that we shop. Before there was technology, we relied on cutting coupons from magazines and the occasional seasonal deals. The new use of technology has changed this.

Refer to Yelp, people use this service to find a new restaurant, or somewhere they want to go by the amount of ratings. Let’s be real, half of the restaurants we find on Yelp, we would never go there on our own. The way that we shop now is similar, without hints or guidance from promotions via applications, we would not even have thought to buy or look at some of these products. Similarly, with the use of technology, we can walk into a store, and a notification can be sent to your phone for a new promotion, or a coupon

How does that even work? Pretend that the Konsier app has been downloaded on your phone. Let’s say that you have been looking at this new Samsung Flatscreen tv for a while but wasn’t sure if you should buy it. As you walk past the tv aisle, you get a notification on you phone saying that there is a discount for the tv that you have been wanting for months. Only because of this app do you even buy this tv, and for that you will be forever grateful. This is the new way of receiving promotions and coupons.

This goes beyond the simple notification that can be sent to your phone. It goes beyond a promotion. The reason that you received a notification about this promotion is because you always visited this section of the store, and you were constantly looking at this tv. Konsier new this and understood this. This app is about understanding consumer behavior. By also taking into account your interest for this product, this specific promotion was sent to you.

Technology has changed, and as people so have we. We love coupons and we love sales, but we can’t know about every single item that is on sale, so this type of location based shopping aides us. This type of app helps to create traffic to an item that we would have never bought if not for the notification.

Another Notification

With the creation of the smart phone, there was the creation of push notifications. The phone would buzz and beep with all those notifications, until you could take it no longer, and had to turn off the push notifications. This was when the notifications craze first started, but years later they actually help people out.

Think about how push notifications have changed on Facebook. A couple years ago, you would get notifications on anything and everything, and by the time an hour passed by, you were angry. Now Facebook has changed the way that you receive notifications, it only sends a few notifications that seem worthy to you.

Apps in general have stopped sending those annoying notifications, because they know that their app would be in jeopardy of being deleted on a customer’s phone. Instead, apps have gone the “opt in opt out” route. Google Now is a great example on the useful usage of push notifications. It syncs your calendar to the app so that it monitors your time by checking traffics and plotting a route. This information comes in the reminder of a push notifications. All of these extra steps are taken care for you without you having to do anything. This type of push notification is customized to a persons needs.

The new Konsier app also takes these push notifications to a new level. Konsier is like a “concierge” service where it promotes products and items that you would be interested in based on your preferences. The Konsier app uses the “opt in opt out” route. Pretend that you have downloaded the app on your phone, and you have decided to receive notifications on San Juan Hills Golf Club. If you are in front of a Target, and this Target uses this same app, the app will ask you if you would like to receive notifications on this Target. These notifications aren’t annoying; they are catered to your preferences and likings.

Gone are the day of annoying notifications on your phone. Today, most push notifications are aimed to help you instead of annoying you with useless information that you really don’t care about.