Want to know more about possibilities and potential pitfalls of NFC wallets? Contact sbeecroft@consultingsmart.co.uk
Tuesday, 19 March 2013
Consulting Smart confirmed speakers at NFC Payments Global Summit 2013
Want to know more about possibilities and potential pitfalls of NFC wallets? Contact sbeecroft@consultingsmart.co.uk
Turkcell’s mobile payment reach 1m customers
The whole industry, says Kuruöz, who has been chief information and communication officer at Turkcell since September 2009, is looking for new services to generate revenue as traditional sources — voice and text messages — go into long-term decline. “We are losing ground in voice and SMS. “We’re looking at areas such as mobile finance, and entertainment services such as IPTV and mobile TV, which provide valuable content to our customers on multiple screens.” Turkcell already has an active mobile payment system, a project called Turkcell Cüzdan, Turkish for “wallet”, in October 2012 with the aid of Garanti Bank and MasterCard. Cenk Bayrakdar, the CTO of Turkcell who introduced the service, has now left the group and is starting a venture capital company, says Kuruöz. “The project has been successful,” he adds. “It has been one of the most advanced mobile payment solutions. So far we have reached almost a million customers and 400,000 credit cards are linked to people’s mobile wallets.”
Those figures indicate that the project appears to be running ahead of expectations. When Bayrakdar spoke to Global Telecoms Business in late 2012 he said: “We hope to activate 500,000 users by the end of the year and we hope to have two million active users by the end of 2013.” Now, Kuruöz says of Turkcell Cüzdan: “We are pushing hard for penetration and increasing transactions.”
Credit card link
The company is promoting two separate solutions, he adds. “We have payment from the bill, which is a micro-payment solution, or if you attach your credit card to your mobile wallet, the limit is your credit card limit. If you have the limit, you can go to as much as you like.” And the system is being accepted, he says. “It’s getting more and more traction.”
The idea of offering Turkcell Cüzdan as a managed service for other operators — suggested in the GTB interview by Bayrakdar — is still being considered, says Kuruöz. “We are still in discussions with other operators on the opportunities. And we are is talks with a couple of global players about extending the partnership to other countries.”
What does the term “global players” mean? Credit card companies? Kuruöz smiles and says: “This is something we can’t say.” But the experience in Turkey has been good so far, with penetration increasing and the number of transactions increasing. “We have a couple of new features coming in that will increase the volume of transactions.” Again, he’s unwilling to share details at the moment. “It will be a surprise,” says Kuruöz. The wallet at the moment supports transactions based on NFC — near-field communications — which allows users to make a payment by tapping a terminal at the check-out. “Many cafés and small restaurants already support NFC transactions,” he explains.
Web transactions
“But the biggest potential is in e-commerce,” says Kuruöz. By this he means web-based transactions where — in most parts of the world — people type in their credit card numbers to complete payment and buy books, tickets for travel or events, music, groceries or other goods and services. “You can type in your telephone number without giving your credit card number,” says Kuruöz. “It’s much more secure than using your credit card. Would you prefer giving your phone number to the e-commerce merchant or your credit card — and you give your phone number anyway, because they ask for your shipping address and phone number.”
The website has to be enabled to accept a transaction via Turkcell phone number, he confirms. Amazon does not yet have a Turkish service, but the system is being used by local online shopping sites, he says. “Many of the leading e-commerce sites in Turkey support our payment solution.”
Kuruöz takes a wide technical responsibility for the systems at Turkcell, including the OSS and BSS that are linked to e-payment services. His responsibilities at the company are “much wider than OSS”, he says. “I’m CIO and my responsibilities cover BSS, OSS, plus value added services, ERP and all IT.” And that includes services to the consumer such as the mobile wallet service.
Turkcell — which operates in eight countries and territories in addition to Turkey — has its own billing solution, says Kuruöz, who used to be a divisional manager at Garanti Technology, part of Garanti bank, and a senior manager at Accenture.
The mobile wallet is integrated with the charging system and the billing system, says Kuruöz. “Turkcell is one of the leading operators. We have 35 million subscribers in Turkey and 68 million in total. Around 38% are postpaid.”
The company is “heavily investing in charging capabilities” and the focus at the moment is real-time charging. Most operators have separate charging systems, one of prepay customers and one for postpaid customers, “but we in the process of merging them into a single solution to do real-time charging”.
Parallel running
When Global Telecoms Business was interviewing Kuruöz at Mobile World Congress the company was running the old systems and the new merged system in parallel. “We have completed the project and we are doing the quality verification at the moment. To provide a superior customer experience we believe that giving real-time charging to our postpaid customers is critical — for them to get real-time notification of when their packages expire.”
Other features that the system will provide will reduce the incident of bill shock when Turkcell’s customers are roaming, he adds. “If you don’t have real-time charging it is impossible to do this.”
This is all becoming more and more important as the number of devices proliferates, he adds.
“We all have phones and tablets and dongles, and it’s critical to share your package and keep control on spending,” he says. Turkcell is working with Ericsson on the charging solution, using its internal technology division.
The parallel running is scheduled to run a few more months before Kuruöz is happy that it is operating satisfactorily and is confident enough in the system. “We are planning to cut over in the third quarter,” he says. “This will be a big transformation. ”It’s a challenge, he admitted at MWC. “We’ve been doing the parallel running for about a month.” So far there have been few problems, but the company has to migrate “more than 3,000” service options from the old systems to the new one. “We are having to re-test all scenarios.” The parallel running will highlight inconsistencies and there will, no doubt, have to be a few fixes to the software. “We are working hard. ”It’s a first, says Kuruöz. “Ericsson doesn’t have any such previous example” of a combined real-time charging system for prepaid and postpaid customers. “We are the first.” However, Turkcell has already started using some of the functions that the new system provides — such as notifications to customers.
Integrated CRM
It’s not the only advanced software development going on in Turkcell, adds Kuruöz. The team is also working on an advanced customer relationship management system to integrate fixed and mobile services. “We are trying to build a solution to integrate mobile and fixed customers, from lead generation to order fulfilment.” It’s already being tested by using Turkcell’s own staff. “We are creating mobility for our teams in the field,” says Kuruöz. “We are giving tablets to our sales executives and to our corporate sales team. This is a good example of how to use mobile technology.” Having completed this first step, “we are getting feedback from the field”, says Kuruöz. This is an internal project, he adds, using Turkcell Technology’s 750 engineers, developing OSS/BSS solutions as well as services and products. But Turkcell does sell its technology to other operators, he adds — naming Zain and TeliaSonera as customers for some of its products.
Friday, 16 July 2010
Is Nice the Smartest City in the World? - Part Two
Thursday, 8 July 2010
Contactless payments – just hype or the real deal
However, Datamonitor does believe that there are promising long term signs that the technology could take off but it won’t be as soon as many analysts predict.
Mr Ubaghs continued “Although contactless payments have been around for nearly 10 years, Barclaycard and London’s Oyster travel card remain the only two high profile companies to offer contactless cards. Investment by other issuers is needed, not only in the technology itself but in educating consumers as well. Consumers will need to be convinced that it is worth their while to use the new technology”
“Importantly, for consumers to be sold on using contactless payments retailers and issuers will need to work together and as this is yet to happen on a large scale. It will be a good deal of time before we’re able to walk into any shop and buy a chocolate bar in the same way as London commuters tap their Oyster cards.”
For the original article click here
Consulting Smart Ltd provide specialist consultancy on the design and deployment of smart card and NFC technologies. For more information on how we can help your organisation realise the full benefits please see www.consultingsmart.co.uk or email us at info@consultingsmart.co.uk
French Minister of Industry Confirms Support for NFC Cities
Christian Estrosi, France’s minister of industry, has confirmed government support for three to five more cities to launch NFC services in France next year, following the precommercial NFC launch in Nice this spring.
Estrosi, who spoke at a conference Tuesday in Paris, has called on interested city officials and transit authorities in France to declare their intent to become one of the next tier of cities to host contactless-mobile services.
The additional cities would launch NFC sometime in 2011. Estrosi, who is also mayor of Nice, sees the additional cities as the second phase of what he hopes will be a broad deployment of NFC in France. He believes government help for up to five more cities to launch NFC will encourage other French cities to follow. That could lead to national rollouts in 2012, according to the vision.
The three to five cities are to be announced in December. Frontrunners are the cities of Caen and Strasbourg. Both have played host to multiple NFC trials in the past and city officials in both places have expressed strong interest in the technology. Officials in Bordeaux are also keen for the technology, said observers, and the city is also a favorite. Other cities mentioned are Rennes in Brittany, Marseille, Lyon and Grenoble.
Paris is also in the running, but it seems unlikely NFC will launch in the capital until 2012, although observers do expect some smaller projects in Paris next year. Key will be when STIF, the giant transit authority serving Paris and the surrounding region, acts on its plans to put its Navigo contactless ticketing application on NFC phones. A STIF representative did not attend the conference, which was co-organized by the government-funded NFC coordinating organization, Forum des Services Mobile sans Contact.
Like Nice, the three to five cities are expected to host such NFC services as contactless-mobile ticketing and related service discovery, mobile payment, and applications involving mobile tourism and health care. These services would be delivered by transit operators, banks and other service providers.
It remains to be seen how large the projects will become. In Nice, the country’s three major mobile operators, France Telecom-Orange, SFR and Bouygues, plus a mobile virtual network operator NRJ Mobile, have reportedly put only a little more than 3,000 NFC phones on sale.
That number could grow based on demand. And a representative of Orange, speaking at the conference Tuesday, confirmed the telco’s plans to sell 500,000 NFC phones in France by the end of 2011.
It’s unclear exactly what type of support the government will offer to the additional cities it selects to host the NFC services. Some funding is likely, along with indirect support.
The French government is also offering grants to some private companies for development work on NFC. Overall, the government, along with French telcos and some service providers have cast France as a leader in NFC technology. The French government also sees NFC as a promising industry for French vendors.
Thanks to NFC Times
Consulting Smart Ltd provide specialist consultancy on the design and deployment of smart card and NFC technologies. For more information on how we can help your organisation realise the full benefits please seewww.consultingsmart.co.ukor email us atinfo@consultingsmart.co.uk
Dutch Banks and Telcos to Move Forward on M-Payment Project
Three major Dutch banks and three mobile operators have decided to move forward with planning for an NFC mobile-payment launch in the Netherlands, NFC Times has learned.
The three Dutch banks, Rabobank, ING and ABN Amro; and three telcos, KPN, Vodafone Netherlands and Rabo Mobiel; gave the project the green light at a meeting June 28, following months of discussions, NFC Times has learned. The approval clears a major hurdle for the initiative and means the parties intend to move forward to lay the groundwork for a likely launch sometime in 2011–probably in the latter half of the year, sources told NFC Times.
But the parties are not releasing any details until they announce their plans, expected in a month or two. Representatives from KPN, Rabobank and ING, believed to be the most active members of the group, all issued nearly identical statements to requests for comment from NFC Times about the mobile-payment project.
“We are currently looking into the..................to read the full article click here
Consulting Smart Ltd provide specialist consultancy on the design and deployment of smart card and NFC technologies. For more information on how we can help your organisation realise the full benefits please see www.consultingsmart.co.ukor email us at info@consultingsmart.co.uk
Tuesday, 6 July 2010
Is Nice the Smartest City in the World? - Part One
By Steve Beecroft
Smart Technologies Consultant
Consulting Smart Ltd
The French city of Nice, which sits overlooking the tranquil waters of the Mediterranean Sea, was for many years an Italian dominion and became part of France in 1860. France’s fifth largest city Nice is widely believed to be one of the oldest human settlements in the world, so leading from the front and embracing change is embedded deep in the soul of the city.
This background have created a city that seeks continuous development and improvement. So the emergence of a new and innovative technology that delivers efficiencies for the local administration or provide a richer experience for citizens and visitors is almost always explored. Automatic Identification and Data Capture (AIDC) technologies are providing the city of Nice the opportunity to again look at improving the lives of the people that live and visit the city. These technologies include Radio Frequency Identification (RFID) and contactless Integrated Circuit (IC) chips, like those used in contactless payment cards. When coupled with a Human Interface Device (HID) such as a smart card or mobile phone, both of which are common place in a modern thriving environment, thee technologies can provide a large number of benefits to service providers and service users.
Now Nice is fast gaining a reputation of being a leader in the adoption of new technologies and could well be renamed NFC City such is its appetite to exploit the 360̊ benefits of the technology.
Amongst the Smart Technologies industry London is widely acclaimed the title holder for most technically advanced European city, however Nice is now fast catching up. The recent lull in activity in London and the UK’s seemingly reluctance to fully embrace NFC, and the increased momentum that technology is experiencing, has seen Nice overtake London. Well that is the view of many industry consultants, mostly French consultants it has to be said. Nonetheless they may well be right
Let’s explore some of the recent smart card, mobile and NFC technologies that have been deployed in and around.
Nice, Mobile Contactless City, The Multi- application Scheme
Private sector suppliers Gemalto, a world leader in digital security, Crédit Mutuel-CIC and NRJ Mobile have joined forces to offer contactless mobile payment services as part of the “Nice, mobile contactless city” project. Backed by the French government this project builds on the success for similar contactless payment rollouts in both Caen and Strasburg.
The scheme also includes a number of service providers including local transport in the form of busses and trams, banks, museums, restaurants, supermarkets and local retailers. Information dissemination services will also be available at the museum and university campus via smart posters.
Crédit Mutuel-CIC, the first French bank to launch a mobile banking service, are acting as the payment services provider, NRJ Mobile supplying the NFC enabled mobile phones and telecommunications company Orange will provide mobile services. This allows users to pay for goods and services using contactless, tap n’ go, technology in total confidence, thanks to the dedicated Trusted Services Management module that Gemalto are providing Crédit Mutuel-CIC with.
The scheme will be part of the newly created Cityzi brand name. It is based on an open platform and is governed by a set or technical specifications enabling easy participation for local service providers and retailers. Participants in the scheme can publicise the level of their involvement with a full set of marketing material including a set of Cityzi logos as follows:-
Four logos are available in all:
The initiative is being led by Christian Estrosi, Nice City Council’s, deputy mayor, and is designed to interface with Trusted Service Partner platforms in an open environment. It also complies with the latest European Payment Council (EPC) GSMA standards and will enable the secure, over the air communications..
Whilst the Caen and Strasburg initiatives precede the Nice project they are both smart card schemes so this makes the carefully planned and well phase implemented Nice NFC project the first of its type in Europe and almost certainly the largest.
Public Transport
Veolia, the public transport operator for the Nice Côte-d'Azur urban area, and ConnecThings, location based information provider, have partnered to transform the travel experience of commuters, locals and visitors.
Again some central government funding has been made available for the development abd delivery of Veolia’s BPass+ facility which offer a method of storing and renewing a transport ticketing on an NFC phone.
Initially c3,000 residents will be able to pay for tram and bus tickets using NFC phones or via a 2D barcode.
In the second phase of this project du for launch in Summer 2010 ConnecThings are equipping around 1,500 bus and tram stops with NFC technology, allowing transport users to download travel information direct to their NFC enabled mobile phone
Cycle Rides / Walking tours
Nice is said to be the first city in the world where NFC technology will be deployed within a city area for tourist information.
An application launched earlier this year, the NFC Tour Guide of the old city centre, allows visitors to the old city to borrow one of 100 Sagem phones from tourist counters or city offices. Those that already own an NFC enabled mobile are also able to access the service via that handset Alternatively
The city have installed RFID tags with InsideContactless NFC chips to Cityzi branded signposts or walls near a number of attractions, such as museums and galleries. Tourists taking the walking tour of the old city access information about each site they visit based on the tags they wave the phones next to.
It works by the mobile phone detecting the NFC tag, and then downloads the site relevant information from the InsideContactless software running on a server, via the NFC tag. that information at each site also recommends the next site the visitor should visit and provides directions. This helps the visitor to get the most from the walking tour and promotes the old city.
There is even a facility for the visitor to leave feedback on the site or the walking tour in that form of text comments or via the old city’s Facebook site.
To generate some revenue and help fund the maintenance and replacement of the handsets, there is the opportunity for local businesses to advertise their services. By restricting the advertising to local businesses Nice is protecting its investment in regeneration and ensuring the sustainability of the scheme.
Parking
Smart Park, from Monext and VinciPark, provide a richer and more convenient parking experience by implementing cashless and contactless payment, season ticket / membership management, loyalty, GPS functionality and other value added services.
Part Two to follow with NFC developments in Air Travel, Culture, Retail, University and more
Consulting Smart Ltd provide specialist consultancy on the design and deployment of smart card and NFC technologies. For more information on how we can help your organisation realise the full benefits please see www.consultingsmart.co.uk or email us at info@consultingsmart.co.uk