Windows 10 is just around the corner

In just a few days, on July 29, Microsoft will begin the public rollout of Windows 10 in 190 countries. If you want to upgrade your desktop or laptop computer, it’s a free upgrade in specific circumstances. Lifehacker has a simple flowchart that makes it quite easy to see if you qualify.

Windows 10 upgrade flowchart

The only difference to this chart is that Windows 8 won’t get you the free upgrade but Windows 8.1 will. According to Microsoft:

The only requirements are that a) your device is compatible, and b) you’re running genuine Windows 7 Service Pack 1 (SP1) or Windows 8.1 (Update).

Windows 10 is designed to run on Windows 7 and Windows 8.1 PCs. That means your device is likely compatible and will run Windows 10.

See the full specifications here.

You don’t have to get the upgrade immediately if you don’t want to – you’ll have a year from July 29 to get it for free. Otherwise you’ll have to buy a license just as you have had to do with previous versions of Windows. What’s different this time is the free upgrade offer.

Once you have upgraded your computer to Windows 10, you’ll be able to create an install disk on a flash drive that will let you do a fresh install from scratch if you wish to. Microsoft says such an install disk is yours to keep for free as well.

Starting a few months ago, you may have seen a popup window on your desktop saying that you could reserve a free copy of Windows 10 upgrade that would be available to you from July 29. If you accepted that, you’ll have a little Windows icon in your system tray.

You’ll also have that confirmed in the Windows Update section of Control Panel in Windows 7 or 8.1.

Windows 10 upgrade reserved

And what about editions? What ‘version’ of Windows 10 will you get?

Microsoft explains it:

Windows 10 upgrade editions

Note the small print – the free upgrade offer does not apply to enterprise-edition customers (that’s typically large companies) who will have different offers.

So what can you expect with the Windows 10 upgrade? How easy will it be to install? What issues might arise?

If you think about it, this is quite an exercise. Imagine the thousands if not millions of different configurations of computers around the world, a fair number of which will have some issue or another. Some won’t have up-to-date video drivers perhaps. Or maybe a niggling problem in Windows 7 the user never got around to fixing. It will be amazing if everyone’s upgrades go 100 percent smoothly.

Yet I think you can expect a pretty good experience if you’re prepared. Being so isn’t difficult:

  1. Make sure your current qualifying Windows version is legal and as up-to-date as it can be via Windows Update. Best thing is to ensure it’s configured for automatic updates and let it do its work for a few days.
  2. When you do get a notification that Windows 10 is ready to install, close every single program you might have running so that your PC can devote all its resources to the Windows 10 upgrade process from the start of it.
  3. Keep all the peripherals you use – printer, mouse, webcam, multiple monitors, etc – connected so that Windows can see all those devices and migrate settings as required. And of course, ensure your PC is connected to the internet.

As a member of Microsoft’s Windows Insider programme, I’ve been running beta versions of Windows 10 for the past eight months or so. The latest beta build 10240 released to Insiders about ten days ago is as flawless an upgrade as it got for a beta. It suggests quite clearly that you should expect a flawless upgrade experience, all else being equal.

Indeed, some industry journals are saying that 10240 is the RTM version of Windows 10. Maybe it is; my thought was that it definitely has the look and feel of finished software, as I noted in a post to the Insider community forum on July 16 (if you’re an Insider, you can read it in full):

[…] 10166 was a really good update in terms of overall polish, reliability of operation, looking like a final. Hard to add more to that but 10240 looks even better. It has a definite look of final, release-version software. For the first time, a terms of use text appears along with a screen explaining some of the features in Windows 10, eg, Edge browser.

Either way, Windows 10 is almost upon us so be sure you’re ready. I think Windows 10 is the best Windows yet, even better than 7.

See also:

  • Sean Hollister writes about his upgrade experiences in Gizmodo, a post a day (here’s Day 1 and Day 2). Very much worth reading.
  • When should businesses upgrade to Windows 10? ZDNet has insights from industry experts.

Is it time for a post-capitalism post-communism mashup?

The Guardian | An Age of Sharing

Books on politics and political issues rarely capture my attention or my imagination.

During the past decade, I have read just three books about politics, all biographies – Margaret Thatcher, Bill Clinton and Tony Blair. Probably great fodder for Freudians who’d like to pop me in a pigeon-hole. Good luck with that!

My own self-analysis of why these works did attract me tells me that each addresses times and experiences of significant change and, indeed, upheavals in society, in political landscapes and more. Each author, either directly and/or via a ghost, weaves a compelling narrative that resonates strongly with my understanding and sense of contemporary society and the changes I might wish to see happen as well as those I’d rather not.

The politics in each – in terms of labels like left, centre and right – get largely ignored.

This morning, during my usual early-Saturday online news consumption and sharing time, I came across an article in The Guardian by journalist Paul Mason that did very much capture my attention and my imagination.

In the article, published on July 17, Mason lays out a deep rationale and the canvas for his forthcoming book that discusses a topic that is most interesting if you take the politics out of it – the successor to capitalism.

Titled simply PostCapitalism: A Guide to Our Future, Mason’s book is described by publisher Penguin as “a guide to our era of seismic economic change, and how we can build a more equal society.” Clearly politics – and by that word, I mean class politics – will be very much a part of this no matter how I wish it weren’t.

After reading Mason’s piece in The Guardian, I thought about how would I sum up what the book’s about in a tweetable-length text? I came up with this:

Mason’s article is peppered with thought-provoking opinions to support his clear view that we are en route to a post-capitalist world that will capture your imagination, whether you agree or not.

To start with:

Without us noticing, we are entering the postcapitalist era. At the heart of further change to come is information technology, new ways of working and the sharing economy. The old ways will take a long while to disappear, but it’s time to be utopian.

Well, that got my attention. Thank God he didn’t say “It’s time to be dystopian” that you might expect from a journalist who, in his own words, “was a Leftie activist.”

Then this:

Almost unnoticed, in the niches and hollows of the market system, whole swaths of economic life are beginning to move to a different rhythm. Parallel currencies, time banks, cooperatives and self-managed spaces have proliferated, barely noticed by the economics profession, and often as a direct result of the shattering of the old structures in the post-2008 crisis.

New forms of ownership, new forms of lending, new legal contracts: a whole business subculture has emerged over the past 10 years, which the media has dubbed the “sharing economy”. Buzzwords such as the “commons” and “peer-production” are thrown around, but few have bothered to ask what this development means for capitalism itself.

And a paragraph that especially grabbed my attention:

There is, alongside the world of monopolised information and surveillance created by corporations and governments, a different dynamic growing up around information: information as a social good, free at the point of use, incapable of being owned or exploited or priced. I’ve surveyed the attempts by economists and business gurus to build a framework to understand the dynamics of an economy based on abundant, socially-held information. But it was actually imagined by one 19th-century economist in the era of the telegraph and the steam engine. His name? Karl Marx.

Karl Marx, as you will know, was a co-author of the Communist Party Manifesto, a publication I read in the 1970s and have always believed presents a Utopian view of a world that has never (can never?) been fulfilled as the failed dystopian Soviet project over a 70-year period clearly illustrated.

What Mason argues is for change within the current economic (and, I would argue, political) system rather than the “man the barricades” treatments you typically hear from ‘Leftie activists’ and those who talk about “we are the 99 percent,” etc. And, arguably, that’s what you see and hear today in much of the polarising rhetoric from the mainstream political Left.

So I like how Paul Mason makes his arguments for change with reality statements like this:

The modern day external shocks are clear: energy depletion, climate change, ageing populations and migration. They are altering the dynamics of capitalism and making it unworkable in the long term. They have not yet had the same impact as the Black Death – but as we saw in New Orleans in 2005 [hurricane Katrina], it does not take the bubonic plague to destroy social order and functional infrastructure in a financially complex and impoverished society.

And finally:

Most 20th-century leftists believed that they did not have the luxury of a managed transition: it was an article of faith for them that nothing of the coming system could exist within the old one – though the working class always attempted to create an alternative life within and “despite” capitalism. As a result, once the possibility of a Soviet-style transition disappeared, the modern left became preoccupied simply with opposing things: the privatisation of healthcare, anti-union laws, fracking – the list goes on.

And so I have pre-ordered the Kindle edition of Mason’s book which will be published in the UK on July 30. Can’t wait to read it.

[Image at top via The Guardian.]

Windows 10 shows the scale of Microsoft’s ambition

Windows 10 login

On July 29 – in just over two weeks’ time – Microsoft will begin the formal roll-out of Windows 10, the new edition of the Windows operating system for PCs and tablets (and Windows phones). It’s been the subject of a comprehensive beta-testing programme by around five million people since the programme was launched at the end of September 2014.

I’ve been part of this programme as a Windows Insider since last October, running the incremental builds of ‘Windows 10 Insider Preview’ as they become available on a couple of different computers, and providing feedback. It’s been a stimulating and most interesting experience so far; a few comments on that in a minute.

So starting on July 29, if your PC currently runs Windows 7 SP1 or Windows 8.1 you will be able to get Windows 10 at no cost by taking advantage of Microsoft’s free upgrade offer. If you’ve recently purchased a new PC running Windows 8.1, the Windows 10 upgrade should also be available to you at no cost and many retail stores may upgrade your new device for you.

Windows 10 is a huge deployment – Microsoft is rolling it out in 190 countries and in 111 languages. According to Terry Myerson, Microsoft’s man in charge of Windows 10, the launch will happen in waves starting with the Windows Insiders:

Starting on July 29, we will start rolling out Windows 10 to our Windows Insiders. From there, we will start notifying reserved systems in waves, slowly scaling up after July 29th. Each day of the roll-out, we will listen, learn and update the experience for all Windows 10 users. Soon, we will give a build of Windows 10 to our OEM partners so they can start imaging new devices with Windows 10. Soon after, we will distribute a build of Windows 10 to retailers all over the world, so they can assist their customers with upgrades of newly purchased devices that were originally imaged with Windows 8.1.

Now, here’s where things differ from every release of Windows that’s happened before.

In a presentation at the 2015 Microsoft Build developers conference in April, Microsoft CEO Satya Nadella spoke a bit about Windows 10, including these comments that provide some clear indicators on this version of Windows, its development, its release and its support that are quite different to what has gone before:

Windows 10 is not just another release of Windows, it’s a new generation of Windows. It is a very different Windows in terms of how we deliver it. It’s a service.

WaaS – Windows as a service. Not an attractive-sounding moniker but maybe something to get used to when you look at the global roll-out starting in a few weeks.

At the same event, Myserson said:

Our goal is that within two to three years of Windows 10’s release there will be 1 billion devices running Windows 10.

Those devices are not only the usual suspects (PCs, tablets, Windows phones) but also Xbox One, Surface Hub, HoloLens, bank ATMs, medical devices, and more.

With ambition at such scale, there’s no way you could sustain the physical manufacturing and distribution models of the past century. And something else to think about – how to persuade everyone on Windows 7 to move up to Windows 10.

Windows 7 domination

Free will help. But it will need a lot more than just that. I think word of mouth will help. Think of five million Windows Insiders and their opinions.

Looking at how previous versions of Windows have been produced and distributed, at end-user pricing that produced significant revenue over the years, Microsoft has been a discrete manufacturer where the product (mass-produced DVDs containing software, plus the packaging, etc) is manufactured and distributed through a supply chain to points of consumer sale – physical retailers, online shops, etc.

Now it’s about giving the software away at zero financial cost to consumers, wholly digital distribution, online support, online updating… these are the foundations for a new Windows ecosystem that will also offer developers an environment that’s eminently attractive, plus outlets in the shape of Windows Stores that will offer software created by those developers that work on any device Windows 10 runs on, making it easy for consumers to find (and pay) for the Windows 10 apps they want.

A familiar set-up if you think of how Apple and Google operate in their respective iOS and Android spaces.

In fact, that’s the landscape now – always-on devices, always connected online, able to automatically receive updates and new software on demand from online stores via a network connection typically wifi or cellular no matter where you are in the world.

Circling back to Windows 10 and my experiences with pre-release builds as a Windows Insider, my overall impression with the latest build I’m running (10166) is of a product that is exceedingly polished for a beta as I’d expect in a close-to-release version. I have it installed on a separate drive in a long-in-the-tooth Dell XPS desktop machine running Windows 7 SP1  with a 28-inch non-touch monitor; and as an upgrade to Windows 8.1 in a Fujitsu Stylistic Q704, one of the latest examples of an ultrabook with not only a touch screen but also the transformational aspect of separating the screen from a dock or keyboard to become a tablet.

In both cases, Windows 10 works out of the digital box, as it were – while early builds were understandably flaky at times (occasional system crashes, some native Windows 10 programs not working properly or at all), the last four builds in recent months have been almost flawless.

The Fujitsu machine in particular works exceptionally well, as if Windows 10 were designed precisely for a device like this (er…). It beats Windows 8.1 hands down in usability, intuitiveness, confidence and reliability. (I see Windows 8.1 to Windows 10 as you’d see Windows Vista to Windows 7.) And the venerable Dell works equally well running Windows 10.

None of my software that works on Windows 7 and upwards – and I have a lot of software – crashed or didn’t run on either device running Windows 10. Updating the operating system is transparent, behind the scenes and works.

In my book, all that makes Windows 10 an easy decision.

Idle thumbs: Why commuters are the best audience

Commuter

A guest post by Simon Bailey, CEO of Axonix, an advertising technology company backed by Telefonica and Blackstone.

Any marketer worth their salt knows all customers were not made equal, and that’s particularly true of commuters, where getting the bus or train into work is now a prime opportunity to check our smartphones and tablets to catch up on the latest news, gossip and games. With the average number of devices set to exceed four per person by 2020, we’re increasingly reliant on the small screen, and at no time more so than when we have some time to kill on-the-go.

If you’re not ‘on-board’ with this digital shift in media consumption or don’t plan to be – I’d stop reading now. But if you’re an ambitious business with high growth targets and a clear sales objectives, your ears should certainly be pricking up. The commuter audience is a highly connected and available audience, and it’s these eyes at these times which will stand to convert the most sales leads on your campaigns.

Understanding your audience: Being the early bird

Almost 90 percent of consumers admit to browsing and buying on smartphones and tablets during their commute with over half expecting to shop even more during this time in the future. So reaching the right person with the right message at the right time between early morning and after 5pm is now invaluable to your operational longevity, and it’s critical to be able to pinpoint exactly when that is in order to get the best result.

Commuters have various stages of browsing behaviours: for instance, when bored and browsing as opposed to when they have a definite purpose such as buying a certain piece of music, and so less susceptible to additional distraction.

Elsewhere, there is a natural variation on activity which is preferred by commuters inside and outside of London, with research revealing that 20 per cent use their device to read online news and 25 percent to play games via apps such as Farmville or Candy Crush in the capital, over a third higher than those further afield.

Internet browsing, social media and streaming video content also scored highly, to be expected, and London bus users were found to be the most social, with less than 10 per cent logging on to work systems during this time and empowered with better signal leading to greater use of social and leisure based applications.

Programming into the consumer psyche

So, once your target audience is identified, and when, how can you best connect with them? It’s all about programmatic trading; buying ad-space in real-time using data-led computer algorithms, to reach exactly the right user at the right time with the right content for optimum engagement – consumers are using their devices in rush hour, while commuting – and programmatic will help you specifically target the right people during these times.

Sounds like a ‘no-brainer’ right? Programmatic tools have increasingly been embraced by many, but many more are still reluctant or uncertain about its benefits. This is largely due to a lack of understanding of mobile ad exchanges and their benefits with over 40 percent of marketers admitting they still “don’t have a clue” what programmatic actually means.

Understandably, it’s in many marketers’ interests to avoid taking a chance on new technologies, with many taking a risk adverse attitude to doing so, and preferring the more established ROI they derive from traditional media. However, these individuals could find themselves redundant in a few years’ time, replaced by their more mobile-savvy, and dynamic peers – those that understand when their audience needs to find something to entertain them whilst on the bus or the train, and just so happens to serve them a targeted ad at that time.

Mobile devices are set to keep rocketing in popularity, with vendors and networks collaborating to increase connectivity and availability of services whenever and where ever you are. And transport companies know this. Just take for example The London Underground, which is investing rapidly in a Wi-Fi programme, rolling out internet services to over 150 stations across the capital. People want their phones on the go and it’s becoming easier for them to get online anywhere – even when underground!

There’s clearly a real opportunity here for marketers to reach huge and highly available audiences – provided they take the correct approach to mobile advertising. So, with all that in mind, its never been a better time to join the crowd and connect with your target consumer. As I said above, marketers need to understand their customers – and realising when they are looking for entertainment on the move and taking steps to reach them at those times could be your rush hour jackpot.

Simon BaileySimon Bailey is the CEO of Axonix, a role which he began in April 2015, having previously served as CCO since April 2014.

Previous to Axonix, Simon was at Velti where he was Vice President, Global Demand, managing the global advertising business.

Simon started his career in advertising in 1996 working for The Times. Since then he has spent the past 15 years working in the digital space where he has sold media, developed sales teams and built cutting edge advertising technologies for the likes of Excite Inc, 24/7 Real Media (WPP) and OpenX Inc.

Simon was a member of the founding team at OpenX where he was responsible for the Product Strategy designing and building the first version of the OpenX Real Time Bidding advertising exchange.

Simon is married with four children and has a degree in French and Politics from the University of Leicester.

[Image at top via Mobile Marketing.]

IBM delivers the experience at Wimbledon 2015

2015 Wimbledon - Henman Hill

The picture above is of a landmark that’s well known by fans of the Wimbledon Championships tennis tournament that is taking place in London right now.

It’s Henman Hill, the grassy mound smack in the middle of the Wimbledon venue, nicknamed thus for the now-retired British player Tim Henman. It’s packed with people – and usually more than than you see here – enjoying the live tennis on huge screens at the side of Number 1 Court to the right, just out of the view, or having a picnic in the glorious summer sunshine.

I took the picture when I was there last week, on June 30, the second day of the championships. I was there not so much to see the tennis, more to get to know about the technology behind the event that makes the tennis an enveloping experience combining the audio-visual live-action that you see and hear at Wimbledon itself; and on TV screens, computer monitors, tablets and smartphones wherever you are in the world with a network connection, along with data-driven information that adds enrichment to your experience.

I was there to find out about that last bit – the data that adds the enrichment – thanks to an invitation from Andrew Grill, Global Managing Partner in IBM’s Social Consulting business. IBM is Wimbledon’s prime technology partner, a rather dry phrase that somewhat under-states the role IBM plays largely behind the scenes in enabling that enrichment I mentioned.

And so I arrived at Gate 5 to meet Andrew, suitably attired for the occasion.

It was a blisteringly hot day on Tuesday last week, with temperatures in the afternoon well in excess of 33 degrees Celsius. The cool air-conditioned and climate-controlled interior of the IBM Bunker, the first port of call on our Wimbledon tour, was a most welcome respite from the heat and humidity outside.

Deep beneath the media centre building, the IBM Bunker is the central hub of IBM’s data services for Wimbledon. Our bunker guide was Sam Seddon, IBM’s Wimbledon Client and Programme Executive. In plain English, he’s the man responsible for managing the end-to-end delivery of the technical solutions that IBM provides to The Championships.

One end of those technical solutions is the rack of servers that funnel data to the screens of a dozen or more IBM engineers in the bunker who are the sharp end, so to speak, of analysing and extracting insights from the huge amounts of data generated from the activities across the 19 courts of the Wimbledon complex, to be used by the match commentators, the TV broadcasters and internet video feeds, on the Wimbledon.com website – built and maintained by IBM – and to the apps people install on their mobile devices.

From here, data is also provided to the media in the media centre that helps them build their commentaries and stories. There is so much data, says Sam, that IBM has people in every court who are able to help presenters and reporters construct their stories and reporting through helping them understand what the data can tell them.

2015 Wimbledon - IBM Bunker

Data analytics is a key part of what IBM does here – and an aspect I was keen to know more about – along with social media analysis and reporting. The picture above shows two of the team of engineers who pay attention to what’s happening across the web.

Note in particular the monitor with screen in purple/white at top left, displaying some metrics about website visitors the day before my visit. 2,365,398 total unique visitors to Wimbledon.com on June 29, it says. Project that out across the two weeks of these championships, and you’ll get a number probably far north of 30 million.

Sam told us that data from Wimbledon’s 19 courts comes into this room. That includes data created from tennis experts and others stationed at each court who capture datapoints like the speed of each player’s serve which they input into the system as quickly as possible. The target is to be 100% accurate, says Sam, as well as quick. Last year about 3.2 million datapoints were captured, he says.

With at least two people per court, three on the smaller ones, that’s well over 40 people who are capturing every movement of every player and entering that data into the IBM system for analysis and insight-creation, which is where the TV commentators, etc, I mentioned get the real value.

Data is the raw material: it’s the insights gleaned from analysis of that raw material that really matter.

2015 Wimbledon - IBM Bunker

Website security is paramount: the above shows part of the security team of engineers who keep an eye on the IBM cloud servers around the world to ensure “digital Wimbledon” stays up 24/7.

One of the amazing things about the IBM Bunker is that it exists only for the fortnight of the Wimbledon Championships. All that tech, all that engineering skill, all that talent, it comes together in Wimbledon each year for less than two weeks.

Yet it’s part and parcel of what IBM delivers to its primary customer, the All England Lawn Tennis and Croquet Club which owns Wimbledon, and in turn the broadcasters and others who produce the content that you see (and interact with) on your TV, computer, mobile device, etc. Not only that, IBM also provides the players with data insights on their quality of play and more that enable them to analyse their performance in every match. That must be exceptionally useful and valuable to them.

And I heard about and saw a great deal of IBM Watson, what IBM describes as “a cognitive system that enables a new partnership between people and computers that enhances, scales and accelerates human expertise.” I think of it as a sort of a digital Mechanical Turk that answers questions when you type them in.

That’s not to make fun of it. On the contrary, this is sophisticated technology that does some simple-looking things quickly, and learns more every time you ask it a question. You can ask relatively simple tennis-related questions – eg, “when is Andy Murray’s next match?” – and get an answer pretty quickly. Sam told me that the plan is to develop Watson so that TV commentators and others can ask it anything related to what they’re talking about at that moment, to dig up myriad facts, with relevant context.

Smart stuff.

We continued our tour with a conversation with some of IBM’s social media team, which opened my eyes (ears) to the importance and measurable value of the strategic use of social media where data analysis leading to valuable insights is paramount. It also demonstrated clearly to me that if you are to deploy social media in your business, you really must have the right skilled and talented people who can measure it and interpret outcomes – the missing link I see too often in some companies large and small.

During our bunker tour – and, indeed, for much of our overall time at Wimbledon – my host Andrew Grill video-recorded just about everything. So coming soon on this blog will be some additional posts with further narrative from me plus embedded videos that will give you the detail of Sam Seddon’s commentary with some fascinating insights into the detail of data analytics and social media analysis at Wimbledon, as well as additional commentary from other IBM experts.

In fact, here’s Andrew on the roof of the media centre with that camcorder!

2015 Wimbledon - Andrew Grill

It was a tremendous afternoon and I thank Andrew and Sam especially.

And we did get to actually see something of the tennis, in case you were wondering about the ticket I had clutched in my hand when arriving at the venue (as shown in Andrew’s tweet, above). Not seated in any of the courts, you understand, more peeking over the shoulders of IBM’s tennis experts during their datapoint captures.

A bit like this bird’s eye view from the box on Court Number 1 which we got to just as the match between Rafael Nadal and Thomaz Bellucci ended. (Nadal won.)

2015 Wimbledon - Court No 1 bird's eye view

For different perspectives on IBM’s Wimbledon tech, here are some very good mainstream media reports on this year’s Wimbledon:

And look out for more content here with those videos I mentioned. Subscribe to the RSS feed so you’ll get those posts automatically.

All the pictures I took at Wimbledon are in an album on Flickr. All shot on a Samsung Galaxy S4. Pretty good camera on that device.

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.

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