Barclays expands contactless wearables

Barclays bPay key fob

Barclaycard is to roll out a range of wearable payment devices that can be used to make ‘touch and go’ contactless payments across the UK, following the  launch of its bPay wristband last year.

The card issuer’s announcement yesterday notes that each device – an updated wristband, key fob and sticker – will use contactless payment technology and be powered by a secure digital wallet.

Barclaycard – part of Barclays Retail and Business Banking – is a global payment business. The devices can be used by anyone with a UK-registered Visa or MasterCard debit or credit card and be bought online or in high street stores from July.

On the Consuming Issues show on Share Radio UK yesterday, I discussed Barclays’ move with Sue Dougan in a five-minute phone chat that you can listen to in the audio embed below.

We discussed Barclays’ offering, how the technology works, the Apple Pay effect, the drivers that will make devices like these appealing to consumers, security and confidence in using such devices, and more.

Interesting times with mobile as trends clearly suggest a continuing move away from cash payments to cashless payments via methods like contactless payment, with further evolutionary (and probably disruptive) effects when Apple Pay launches in the UK in July.

Read more in a report in the Guardian, below, which I referenced in my discussion with Sue.


Powered by Guardian.co.ukThis article titled “Barclays expands contactless wearables” was written by Sarah Butler, for theguardian.com on Monday 29th June 2015 00.01 Europe/London

British shoppers could soon be paying for cups of coffee or trips on public transport by waving a keyfob or sticker, as contactless payment moves into newer wearable devices.

Barclays, which launched payment wristbands last year, is launching key fobs, an updated wristband and stickers that can be attached to any flat surface, including a mobile phone. The bPay devices can be used by anyone with a UK-registered Visa or MasterCard debit or credit card and bought online or in high street stores, including Snow + Rock, CycleSurgery and Runners Need, from next month.

The venture comes as mobile phone companies begin to muscle in on the payment market. Both Apple and Samsung are working on systems to make contactless payments in shops.

Apple launches its mobile payment system in the UK next month, which allows users pay for goods by tapping their phones on contactless card readers in stores. Unlike contactless cards, Apple Pay includes an extra security measure – tokenisation – which ensures that the card details stored on a phone are never passed to the retailer.

Barclays’ bPay band launched in the UK in July last year, but Barclays would not confirm exactly how many people had taken up the original band.

Mike Saunders, managing director of digital consumer payments at Barclaycard, saidcash-dominated transactions were being replaced by contactless technology.

The UK Payments Council recently revealed that cashless payments have now overtaken the use of notes and coins for the first time in the UK.

The bPay wristband, fob and sticker act like a contactless bank card, but must be pre-loaded with cash. Funds can be added online, via a mobile app or by automatic top-up. It is possible to own several devices and manage them separately so that, for example, a child’s pocket money can be loaded onto a sticker or fob.

Purchases of less than £20 can be made waving the band across the merchant’s sales terminal. Transactions of £20 or more require the customer to enter their pin to validate the transaction.

guardian.co.uk © Guardian News & Media Limited 2010

Published via the Guardian News Feed plugin for WordPress.

#FC15 Call to Action: Let the journey begin

The crowd at FutureComms15

One of the difficulties for an event that’s intended to look at the future of communication is delivering on the promise and expectation established in the description of and communication about the event.

FutureComms15 in London – hashtag #FC15 – that took place on June 18 was a one-day event organized by MyNewsDesk, and described thus:

PR & Comms are evolving. With content marketers taking centre stage in digital, is there a place for PR? Is PR actually dead? Do PR pros need to turn into content marketers? Or will content marketers slowly take on all PR duties?

Following last year’s acclaimed event, FutureComms15 delves into the PR/content divide to unveil the future of communications.

Ah, the “future of communications.” There’s an expectation that is almost impossible to meet unless you really are going to focus beyond the horizon and offer event-goers something that captures their imaginations, that galvanizes their thoughts into actions; something that’s different, that’s beyond what you typically hear at every comms-related event you go to these days that usually has the phrase “The future is digital” mentioned somewhere up front.

I was there, in the audience mostly but also with a stint chairing a 35-minute panel discussion on SEO and PR in the morning. More on that in a minute.

If there’s one thing I took away from #FC15 last week, it’s that it was pretty clear to me that everyone broadly knows what’s needed, and the part they need to play, to create a communication landscape that is close to what many wish to see in the not-too-distant future. They also know there’s no magic wand or bullet but instead quite a lot of work to do to create the landscape to enable organizational communication – whether that’s PR, employee communication, corporate, whatever – to be valued and valuable and to be effective.

This take-away reminds me of a point I make to communicators when speaking about the future of communication or, more fundamentally, what each of us needs to do as part of the journey to that future, best portrayed in this self-explanatory slide:

be

My point is that the future of communication requires each of us to play a role. While there will be paths and maps, the navigators are each of us. That route should start with asking the question “How To Be…” for each of the eight words in the slide above, ie, what is it that each of us must do?

The “How” should feature large in  any discussion about the future of communication where such discussion often (usually) includes credible and valuable opinions on  what needs to change in order to get to that future.

Usually missing, however, is “How.”

At #FC15 last week, I did hear quite a bit of foundational stuff in some significant areas that will make “how” a lot easier to answer. For instance:

Incidentally, Sarah and Stephen are, respectively, current and past presidents of the CIPR, the PR industry body in the UK. No coincidence that.

Circling back now to that morning panel discussion on SEO and PR that I chaired – and which Sarah Hall did a terrific write-up – the discussion was interesting even if we did spend a lot of our time explaining  what SEO is understood to be in the PR business (not the same as what it is) and considering its value in contemporary communication practice. But we did get to the “How” that produced some common views on what each of us needs to do to in order to create that future everyone looks towards.

And here are two simple but powerful calls to action from this SEO panel that apply broadly, not just to the topic:

Lukasz Zelezny got us well focused when he proposed that everyone should learn about something that isn’t within their usual areas of interest or expertise. In the context of SEO, that means things like reading publications that talk about SEO, attending conferences about SEO.

In other words, if you want to really understand the role of something like SEO that has evolved hugely from what the Wikipedia description says, you need to find out about it. Sounds simple, doesn’t it? And each of us has the power to do that.

Gem Griff made a key point about talking, noting that people in the tech industry constantly have informal get-togethers to share thinking, knowledge and expertise. These gathering are often known as hackathons. You don’t see those in PR really, do you?

Think again – Gem started #PRFuture Hack Day, an informal PR hackathon where anyone can talk about anything with anyone else in an informal setting, the kind of setting that encourages dialogue and connection. There seems to be appetite for PRs to collaborate, Gem says. Who knows where that might lead? (It sounds a lot like The Big Yak unconference that Rachel Miller and others organize for internal communicators.)

In fact, there’s a #PRFuture Hack Day planned for July 23 in London. Why not sign up and come along? That’s part of your “How.”

See, starting the journey to that ‘tomorrow place’ isn’t difficult.

The final word on #FC15 comes from Dan Slee.

Passion is a wonderful thing.

Shell’s big QR code experiment

Shell QR code

When I called in to a Shell station in Reading on Saturday to fill up my car with fuel, I noticed this banner attached to the side of the pump I was using.

“Fill up and go here with our speedy payment service,” it says. “Powered by PayPal.” And there’s a big QR code in the middle of the sign.

It’s called Fill Up And Go and the usage idea is simple:

You’ll be able to use it through the Shell Motorist App. Select a pump on the forecourt, enter the maximum amount you wish to spend, then scan the QR code or punch in the ID number at your pump, all from inside your car. The App then releases the pump for use and you can then fill up and go. When you’ve finished, a receipt will be automatically sent to your phone.

As it says, you use it with the Shell Motorist app for iOS or Android plus a PayPal account, the only payment method you can use. Shell says you can also use PayPal’s mobile app to pay for your fuel purchase. There is a transaction range: £20 minimum, up to £150 maximum (with the price of fuel these days, that maximum doesn’t seem too low).

Station LocatorShell announced this new service earlier this year, saying it was being tested and would roll out later in the year. Shell says it’s the first fuel retailer to offer such a service across the UK. The Shell station in Reading where I saw the banner is one I use pretty regularly, with my last visit about ten days ago. So the sign has appeared within the past week.

I’ve been using the Shell Motorist app for some time – to track loyalty points and see offers, etc – but hadn’t noticed reference to this new service until I looked for it.

And the app does mention it, with the Shell station locator map for my immediate area showing a station not far from my house that is participating in it. So that’s my destination when I need to fill up again, probably within a week or so.

I want to try it out, to see if it is a convenient and easy way to pay for fuel as Shell expects it to be. When it comes down to it, that’s what it has to be – convenient and easy – for it to gain consumer acceptance, especially when it comes to a technology like QR codes that you can’t say has had a warm reception, never mind gained universal consumer acceptance.

Much of the criticism is about how QR codes are presented by those who implement them, often in ways that are simply lame or even mind boggling. But there are great examples of imagination alongside the mistakes (some of the latter potentially brand-damaging such as what happened to Heinz recently).

In the case of Shell’s QR code experiment, I think it’s imaginative and likely to appeal to people who want greater convenience and ease of use when performing a task as mundane as filling up your car with fuel. No more walking over to a cashier and offering a card for payment, or fiddling with a pay-at-the-pump card system (although I can’t recall seeing one of those at a Shell station) – with the new Shell service, you just complete the transaction with your smartphone whilst sitting comfortably in your car.

Use of mobile devices is prohibited on most petrol station forecourts in the UK. But using this new Shell service should be dead easy from the driver’s seat. Then you get out of the car to fill your tank, get back in the car and drive away when done, with the payment receipt automatically sent to your phone.

I wonder how it could evolve in future. Maybe petrol stations could revert to the service ethic of yore when you had someone who came out to fill your tank while you stayed in your car. You’d add perhaps 10 percent to the cost as a service charge. A small price to pay for the convenience and comfort. Could be quite a service differentiator.

Perhaps something along the lines of what Shell reportedly started offering a few years ago.

shell-forecourt-service

But first things first. I’m looking forward to trying it and adding it to my list of imaginative uses of QR codes, not to the lame list.

Dick Costolo: Twitter unfollows the leader as social milestones are missed

Welcome back, @jack !!

The news yesterday that Twitter CEO Dick Costolo is stepping down from that leadership role next month has attracted widespread commentary and opinion, not least on Twitter itself.

There’s credible opinions that Costolo is going because he hasn’t evolved Twitter as many observers and critics expected or believe he should have. Indeed, the stock market greeted yesterday’s announcement with a 10 percent rise in Twitter’s share price at one point.

An analysis in the Guardian today – you can read the full story below – is a pretty good assessment of a real predicament confronting Twitter, not only from an investor’s perspective but also from that of users and marketers.

[…] Twitter accounts for 1.6% of the critical US digital advertising market – a market worth $50.73bn – compared with Facebook’s 7.6%. Twitter accounts for 3.6% of US mobile internet ads to Facebook’s 18.5%. And in mobile display ads Twitter has a 7% market share compared to 36.7% for Facebook, according to eMarketer.

On user numbers alone – Twitter has 302m monthly active users to Facebook’s 1.44bn – the share of ad market doesn’t seem so surprising. Yet it’s the slowing down of growth that has concerned investors: Twitter’s monthly active user numbers have fallen 30% from 2013 to 2015, and by 2019 growth – a critical indicator of future potential revenues – is heading for a slowdown to 6%.

Yet there’s a more fundamental element that needs attention – what is Twitter?

[…] who is Twitter for? How does it distinguish itself against Facebook? And how can it expand its service while remaining simple and accessible?

Those questions aren’t new at all. Even though how Twitter itself talks about what Twitter is has become more clear in the past year or so, is it how users, marketers, etc, see Twitter?

Our mission: To give everyone the power to create and share ideas and information instantly, without barriers.

I’m not so sure. As a Twitter user since 2006, I’m often asking that question myself even though I’m more than happy to continue my thinking out loud and occasional engagement with others on the platform. I don’t have massive personal expectations of Twitter beyond the implicit simplicity behind that mission statement (but I have a different view if I put on my marketer’s hat).

Yet maybe Twitter’s not entirely sure about that either – the mission statement is slightly different on Twitter’s investor relations page.

Twitter strives to give everyone the power to create and share ideas and information instantly, without barriers.

Maybe change is afoot already: Twitter also announced yesterday that the 140-character limit on direct messages will be changed to a whopping 10,000 characters. Note this is for DMs only – the 140-character limit for regular tweets remains. For now, at least.

While that news will be appealing to many who will relish the opportunity of penning short stories to DM to their friends, I fear it also opens the door to push marketing – whether you like it or not – on a grand scale.

In any case, might Costolo’s departure herald a pivot of sorts in Twitter’s next steps with the (re)appointment of Twitter co-founder Jack Dorsey as interim CEO while Twitter starts a search for a permanent replacement?

There are all sorts of opinions about that.

[The Guardian report below is published here with permission via the Guardian News Feed plugin for WordPress.]


Powered by Guardian.co.ukThis article titled “Dick Costolo: Twitter unfollows the leader as social milestones are missed” was written by Jemima Kiss, for theguardian.com on Friday 12th June 2015 09.41 Europe/London

It says something about the extraordinary scale of social platforms when a technology behemoth with 302m active users every month can be seen as failing to achieve its potential. Yet that is exactly why it appears that Twitter’s chief executive, Dick Costolo, now has to go from the company’s top post.

In after-hours trading following the sudden announcement on Thursday, Twitter stock briefly fluttered up 8% higher. It was a reflection of the uneasy feelings from investors towards a man who fell under their increased and ultimately poisonous scrutiny as he navigated the social networking firm through its public offering in November 2013, having been CEO since he took over from Evan Williams in October 2010.

Despite being a very different product serving a very different audience, Twitter is often compared to Facebook – and often unfavourably. Therein lies an identity crisis of sorts.

For Twitter’s investors the concern was less about user numbers than the growth and aggressiveness of the company’s online advertising. While Costolo was popular with many staffers for bringing structure and co-ordination to a chaotic young company, and took it to a market capitalisation of .4bn, he also oversaw the process of risk and uncertainty in pushing towards a brand new space.

Costolo and Jack Dorsey, who now takes over as interim CEO, have both insisted that the move was not connected to Twitter’s recent financial results – which saw those user numbers grow just 4.86% – so much as a decision made purely by Costolo himself, as a capstone to discussions that had been going on since last autumn.

Right now Twitter is in danger of becoming a niche product: it is beloved by journalists (guilty) and marketers, yet viewed with confusion by mainstream consumers.

Where the selective friendship groups of Facebook make sense (to varying degrees), Twitter’s public face can be more intimidating. On the other hand, the 140-character simplicity of Twitter’s platform and the potential to be the “civic square” of popular debate offers just as much value and, usually, less flatulent conversations.

In an era of endless feeds and the digital burden of email and obligatory posts from friends, Twitter’s brevity and ambience is a welcome change; what you miss is just missed – not mourned, nor added to a tedious, ever-increasing pile like email.

But in focusing its business Twitter has made some strategic decisions, such as closing off access to selected third parties – Instagram at one point, Meerkat at another, and earlier to a wider stream of third-party developers. Twitter was under pressure to protect its valuable audience and its scale, and in doing so cut off the community that helped it grow.

All of which left many users and especially those investors wondering: who is Twitter for? How does it distinguish itself against Facebook? And how can it expand its service while remaining simple and accessible?

Twitter accounts for 1.6% of the critical US digital advertising market – a market worth .73bn – compared with Facebook’s 7.6%. Twitter accounts for 3.6% of US mobile internet ads to Facebook’s 18.5%. And in mobile display ads Twitter has a 7% market share compared to 36.7% for Facebook, according to eMarketer.

On user numbers alone – Twitter has 302m monthly active users to Facebook’s 1.44bn – the share of ad market doesn’t seem so surprising. Yet it’s the slowing down of growth that has concerned investors: Twitter’s monthly active user numbers have fallen 30% from 2013 to 2015, and by 2019 growth – a critical indicator of future potential revenues – is heading for a slowdown to 6%.

For a young public company those numbers are sounding more and more like a death knell. For investors, Twitter’s plans – and Costolo carried the can for this – have not confidently set out its future. Chris Sacca, a major investor, wrote an insightful essay on the company’s challenges: “Twitter has failed to meet its own stated user growth expectations and has not been able to take advantage of the massive number of users who have signed up for accounts and then not come back. Shortcomings in the direct response advertising category have resulted in the company coming in below the financial community’s quarterly estimates.

“In the wake of this Twitter’s efforts to convince the investing community of the opportunity ahead fell flat. Consequently the stock is trading near a six-month low, well below its IPO closing day price, and the company is suffering through a seemingly endless negative press cycle.”

But he says Twitter “has boldness in its bones” and that it can improve by making the service easier for new users, more supportive for users intimidated by the site, and by making it feel less lonely.

guardian.co.uk © Guardian News & Media Limited 2010

Published via the Guardian News Feed plugin for WordPress.

Talking tech on live radio

Share RadioFor the past six months, I’ve been taking part in a live radio show every other Tuesday as a guest contributor to a morning show on Share Radio UK, a start-up digital radio station broadcasting in London and online.

It’s huge fun discussing myriad topical stories related to technology with Georgie Frost, presenter of the daily Consuming Issues show, in the segment called #FutureTech.

For about 20-25 minutes, Georgie and I talk about issues and topics that matter to consumers, sharing our thinking about those issues and topics that we think will interest, help or otherwise engage those consumers who listen on DAB or online.

You can get a great sense of what our discussions are like with yesterday’s episode: topics included two of Apple’s announcements on June 8 (Apple Pay in the UK and music streaming), the end of voicemail (perhaps), drones in China that check for student exam cheats, a new app designed to help human rights activists document and store photographs and films that can be shown in court, and wearable tech for wellness in the workplace (a favourite topic of ours). Phew!

Take a listen:

So every other Tuesday morning, I’ve been going to the Share Radio UK studio in Pimlico in London to have a chat about topics that are great stimuli for engaging conversation between two people who really are interested in those topics. Definitely the right foundation for listenable content.

As a podcaster, I’ve experienced one of the major and obvious differences between recording a podcast and doing live radio – with live radio, there is no editing scalpel. Plus, a radio station typically has a production team and researchers, a luxury Shel and I don’t have with our podcasts. Not yet anyway.

In any case, I enjoy these regular every-other-Tuesday live treats on the digital airwaves. Thanks to Georgie and Annie Weston, a great producer, plus the whole team at Share Radio UK.

There’s more of Georgie and me here:

Check out Share Radio UK (try the Android or iOS app). Some great programming and presenters. And take a look at the station’s plans for expansion. Huge potential.

FIR Interview: Leila Janah and The Future of Work

FIR InterviewsThe expansion of the global internet population will continue to have a profound impact on infrastructure, education, finance, commerce, and healthcare, among other industries worldwide.

That was a major theme of The Next Billion London, a one-day conference on May 19, 2015, presented by Quartz magazine.

At the Quartz event, FIR co-host Neville Hobson had the opportunity to record a conversation with Leila Janah, founder and CEO of Sama Group and an award-winning social entrepreneur who uses technology and lean business methods to promote social justice.

A wide-ranging conversation focused on the future of work which was how Quartz titled her conference session, very much in the midst of the profound impact the Quartz conference addressed. A thought-provoking segment in the latter part of the discussion concerns the role of governments as enablers of positive change through specific actions that include taxation and rebuilding trust with citizens.

The interview began with Janah introducing her business model.

Listen Now

Get This Podcast

About Our Conversation Partner

leilajanah110Leila Janah is the Founder and CEO of Sama Group and an award-winning social entrepreneur.

Prior to Sama Group, Leila was a Visiting Scholar with the Stanford Program on Global Justice and Australian National University’s Center for Applied Philosophy and Public Ethics. She was a founding Director of Incentives for Global Health, an initiative to increase R&D spending on diseases of the poor, and a management consultant at Katzenbach Partners (now Booz & Co). She has also worked at the World Bank and as a travel writer for Let’s Go in Mozambique, Brazil, and Borneo.

Leila is a Young Global Leader of the World Economic Forum, a Director of CARE USA, a 2012 TechFellow, recipient of the inaugural Club de Madrid Young Leadership Award, and the youngest person to win a Heinz Award in 2014.

She received a BA from Harvard and lives in San Francisco.

  • Connect with Leila on Twitter: @leila_c.

FIR Community on Google+Share your comments or questions about this podcast, or suggestions for future podcasts, in the online FIR Podcast Community on Google+.

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Podsafe music – On A Podcast Instrumental Mix (MP3, 5Mb) by Cruisebox.

(Cross-posted from the FIR Podcast Network blog.)