Cutting Through Chaos in the Age of Mobile Me - New Report

Supporting real-time enterprise mobility that is personalized and contextually relevant takes a lot of work. In fact, it takes digital transformation. We have all grown accustomed to using personal consumer apps that know and understand us (think airline apps and Netflix), our preferences and provide contextually relevant content. Today, we expect the same from all of our apps both consumer and enterprise.

Download the full report here "Cutting Through Chaos in the Age of Mobile Me".

Ninety percent of mobile users highly value personalized mobile experiences. In order to deliver these experiences one must have real-time data collection, analytics, personalization engines and mobile applications capable of supporting real-time personalization. One must also have an operational tempo within their IT systems and business processes capable of supporting real-time. These capabilities make possible innovative new business processes that provide significant competitive advantages for businesses that embrace them.

Delivering a personalized experience, however, requires data and lots of it. We have identified three key information rich sources of this data we call 3D-Me data sources:

1. Digital – online activities, preferences, sentiment and profiles
2. Physical – data collected from IoT sensors (on vehicles, buildings, equipment, wearables, smartphones, etc.)
3. Personal – user preferences, roles, jobs, skills, locations, etc.

3D-Me data sources enable enterprises to collect the right data to gain an understanding of real-time activities, and insights into the needs of their users. One of the key ingredients of a 3D-Me data source strategy is users must agree to share personal data in exchange for value. This requires a new kind of enterprise/user relationships we call MME Data Partnerships.
Personalized experiences are not the whole story. End users want contextually relevant personalization. Personalization becomes relevant when you add time, context and location to it. Sending me an SMS alert that my local coffee shop is offering my favorite hot drink at a 50% discount for the next 45 minutes is not relevant if I am on the other side of the country. Relevant personalization requires the use of data triggers that identify contextually relevant opportunities, moments and environments (CROME). CROME triggers are bits of data that provide context, which can be used to provide relevant personalization at a specific time and place. Think geo-fencing jobsites.

These CROME triggers provided the data that when analyzed, understood and integrated with relevant personalization engines, can optimize the user's experience and productivity on the job.

CROME triggers can automatically deliver the right content at the right time. They can be connected to tasks, jobs, timesheets, etc. There are at least six tasks/challenges when implementing a CROME strategies:

• Identify the required CROME triggers
• Understand the meaning of each CROME trigger
• Understand where and how CROME triggers can be placed, collected and transmitted
• Monitor and analyze CROME triggers in real-time
• Connect specific CROME triggers to specific personalization options and business value
• Provide CROME powered personalization in mobile experiences

CROME triggers inform that something different and perhaps significant is happening. Finding the meaning, and then relating it to a particular personalization task or action follows.

The implementation of 3D-ME enabled data and personalization strategies and CROME triggers, all supported by IT systems and business processes running at real-time operational tempos will help companies deliver to the highest expectations of mobile users today and tomorrow.

Download the full report here http://www.cognizant.com/InsightsWhitepapers/Cutting-Through-Chaos-in-the-Age-of-Mobile-Me-codex1579.pdf.
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Kevin Benedict

Writer, Speaker, Analyst and World Traveler

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***Full Disclosure: These are my personal opinions. No company is silly enough to claim them. I am a mobility and digital transformation analyst, consultant and writer. I work with and have worked with many of the companies mentioned in my articles.

Mobile Commerce News Weekly – Week of November 23, 2014

The Mobile Commerce News Weekly is an online newsletter made up of the most interesting news, articles and links related to mobile commerce and marketing, mobile payments, mobile money, e-wallets, mobile banking, mobile ads and mobile security that I run across each week.  I am specifically targeting market size and market trend information.

Also read Connected Globe News Weekly
Also read Field Mobility News Weekly
Also read Mobile Cyber Security News Weekly
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Looking for an enterprise mobility solution?  Read the Mobile Solution Directory Here!

Shoppers are going mobile in larger and larger numbers, according to on-line retail data leader comScore. Mobile digital commerce is expected to have grown by 25 percent over the last season, almost twice the growth of desktop E-commerce.  Overall digital commerce is expected to grow by 16 percent, reaching $61 billion.  Read Original Content

Powa, a commerce specialist operating primarily in the United Kingdom, will be bringing its mobile commerce service to the United States. New funding will allow the company to launch its digital payments system in the U.S., expanding the mobile commerce options that are available in the country.  Read Original Content

Smartphone traffic to e-commerce sites grew by more than 62 percent and revenue grew 141 percent, according to MarketLive. Tablet revenue and traffic grew by a more modest 20 percent. Though still dominant, PC-based commerce growth “continued its decline.”  Read Original Content

The cost and time to mobilize enterprise applications can actually meet or exceed the original cost and time to implement those systems. In their new report, “StarMobile Transforms Enterprise Apps into Mobile Apps”, 451 Research details the advantages of StarMobile’s app development tool and how it can drastically reduce the cost and time to mobilize enterprise applications. Download report here: http://starmobileinc.com/report-451research-starmobile-transforms-mobile-apps-into-enterprise-apps/

A recently unveiled report from Juniper Research has found the total number of users who plan to engage in mobile transactions is going to grow considerably over the coming years. They predict just over two billion mobile phone or tablet users will make mobile commerce transactions by the end of 2017, up from 1.6 billion during this calendar year.  Read Original Content

Mobile payments may experience lackluster growth in Canada. A new study from GfK, a global market research firm, shows Canadians are somewhat apprehensive when it comes to using a smartphone to make a payment.  Read Original Content

Target Corp. has now taken another step that reveals the retailer is getting very serious about mobile commerce, as it has purchased Powered Analytics, which is said to have “an Amazon-like shopping experience,” that can be provided to shoppers while they are within a brick and mortar store location.  Read Original Content

In Contact Solutions' recently completed retail mobile shopping survey, one major issue with mobile buying behavior–customer care was found. Altogether, 16 percent of consumers said they struggle with mobile shopping apps at least half the time, and 38 percent of respondents said they are disappointed with the inability to get help within a mobile app.  Read Original Content

Smartphone and tablet based commerce is expected to account for 49 percent of all online sales in Europe by 2018, according to new research published by Forrester.  Read Original Content

According to the 2014 holiday shopping study conducted by Deloitte, which included the participation of 5,000 American consumers, the average holiday spending this year will be $1,299, which represents an increase of 13 percent over last year. Among all U.S. consumers 72 percent will be using their smartphones for shopping purposes.  Read Original Content

Realex Payments, Europe's leading payment solution provider, announced a new partnership with Shopgate, the world's leading software-as-a-service m-commerce platform.  Read Original Content

Nearly three-quarters (73 percent) of consumers surveyed said they trusted their bank in providing a mobile digital wallet service, a Deloitte report found.  Read Original Content

Mobile-based payments in the United States are expected to reach $142 billion in volume in 2019, according to a report from the research firm Forrester, from about $50 billion currently.  Read Original Content

In the three weeks since the company released Apple Pay, Whole Foods has processed more than 150,000 Apple Pay transactions. McDonald’s, which accepts Apple Pay at its 14,000 restaurants in the United States, said Apple Pay accounted for 50 percent of its tap-to-pay transactions.  Read Original Content

A new study by Retale found consumers are ready for mobile.  Thirty-six percent of respondents have previously used a mobile device to pay for something in a brick-and-mortar retail store, while the majority (64 percent) has not. However, mobile pay use has more than doubled over a two-year period.  Read Original Content

Apple’s new mobile payment system Apple Pay already has support from major banks, credit card companies and also some major retailers.  Now it would appear smaller independent retailers will also be able to support Apple Pay in the future as Square’s Jack Dorsey has confirmed the company is working on bringing Apple Pay to Square.  Read Original Content

Latest Articles on http://mobileenterprisestrategies.blogspot.com

Gamification Strategies and Mobile Applications - The Way it Should Be
2015 Enterprise Mobility Events Announced
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Kevin Benedict

Writer, Speaker, Senior Analyst

Digital Transformation, EBA, Center for the Future of Work Cognizant

View my profile on LinkedIn

Learn about mobile strategies at MobileEnterpriseStrategies.com

Follow me on Twitter @krbenedict

Browse the Mobile Solution Directory

Subscribe to Kevin'sYouTube Channel

Join the Linkedin Group Strategic Enterprise Mobility

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Recommended Strategy Book Code Halos

Recommended iPad App Code Halos for iPads

***Full Disclosure: These are my personal opinions. No company is silly enough to claim them. I am a mobility and digital transformation analyst, consultant and writer. I work with and have worked with many of the companies mentioned in my articles.

Mobile Commerce News Weekly - Week of December 8, 2013

The Mobile Commerce News Weekly is an online newsletter made up of the most interesting news, articles and links related to mobile commerce and marketing, mobile payments, mobile money, e-wallets, mobile banking, mobile ads and mobile security that I run across each week.  I am specifically targeting market size and market trend information.

Also read Enterprise Mobility Asia News Weekly
Also read Field Mobility News Weekly
Also read Mobile Cyber Security News Weekly
Also read Mobile Health News Weekly
Also read Mobility News Weekly

Looking for an enterprise mobility solution?  Read the Mobile Solution Directory Here!

Digital security firm Oberthur Technologies has partnered with mobile services specialists mBank in a project aimed at bringing together the m:Wallet solution from OT’s MoreMagic subsidiary and mBank’s experience in branchless banking, to provide mobile branchless banking including merchant payment, money transfer, loans, credit and insurance.  Read Original Content

Mobile app developer Bruce Arnold announced the availability of mCartXP, a multi-device HTML5 mobile web app developed jointly by his firm WebFL.US and their white label web development counterpart WLWeb.US.  The app can be used to buy and sell products and services using virtually any mobile browser - including Dolphin, Firefox, Mobile Safari and Opera - and any smartphone or tablet.  Read Original Content

Ovum has released a report concerning the caution that many consumers are exhibiting concerning mobile commerce. The report shows that some 68 percent of consumers said they would stick to traditional e-commerce due to the risks that exist in the mobile sector.  Read Original Content

Verivo is a leading provider of enterprise mobility software. Verivo helps companies accelerate their business results. Its unique technology empowers teams to build, deploy, manage and update their mobile apps -- rapidly and securely. Verivo’s mobility platform is used by hundreds of companies in numerous industries, worldwide. This newsletter is sponsored in part by Verivo.

Etisalat Group, the leading telecoms operator in Africa, the Middle East and Asia, announced the expansion of its award winning mobile phone-based commerce service "Flous" through its subsidiary Etisalat Moov in Benin.  Read Original Content

Early numbers from several retailers indicate a surge in mobile commerce for the first few banner sales days from Thanksgiving weekend through Cyber Monday. Forget double-digit growth. According to Internet Retailer Mobile 500, many retailers are posting triple-digit increases in several mobile metrics over the same holiday shopping days last year.  Read Original Content

From Thanksgiving through Cyber Monday, both eBay and PayPal saw the highest holiday mobile commerce activity that they have ever had. The volume of purchases and payments made over smartphones and tablets was higher than any other equivalent five day period in previous years at 96 percent greater, year over year.  Read Original Content

Mobile commerce sales accounted for nearly 21 percent of total Black Friday digital sales in the United States, $314 million out of $1.512 billion, and nearly 17 percent of Cyber Monday sales, $350 million out of $2.085 billion, Internet research firm comScore Inc. reports.  Read Original Content

The latest study by mobile entertainment body MEF reveals only around 65 percent of mobile media users globally have used their device to purchase goods or services.  The research reveals a decline in the volume of purchases for the first time — from 54 percent of mobile media users in 2012 to 42 percent in 2013. Read Original Content

According to the report from IBM, online shoppers in the U.S. spent more than $2 billion on Cyber Monday.  Read Original Content

Spindle, Inc. announced its MeNetwork360SM application is now available to merchants and consumers. Combining location-based mobile marketing and payment processing on a single platform, the MeNetwork360 app is compatible with both iOS and Android devices.  Read Original Content

“Together, e-commerce and m-commerce only comprise seven percent of U.S. retail spending—the rest is offline in physical stores, especially for products that shoppers want to see before they buy,” says Michael Boland, VP of content and senior analyst at BIA/Kelsey.  Read Original Content

Email marketing was a big winner on Black Friday. And much of the credit belongs to mobile.  According to new industry data presented by Marketingland, email marketing was both plentiful and effective on Black Friday – even more than it was on Cyber Monday.  The data cited points to 38 percent more email opens occurring on Black Friday than Cyber Monday.  Read Original Content

A Global Online Shopper report from WorldPay revealed nearly 40 percent of mobile shoppers are concerned about the security of their payments.  Read Original Content

Payelp Global, an international payment and business development platform representing thousands of merchants and hundreds of payment gateways, announced a partnership with Onebip by Neomobile, a global mobile payment service. Onebip enables merchants to monetize digital goods and services to their users on a global scale using carrier-billing technology. Read Original Content

Visiongain has determined global mobile payments networks will carry over $251 billion in transactions during 2013.  Read Original Content

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Kevin Benedict, Head Analyst for Social, Mobile, Analytics and Cloud (SMAC) Cognizant

View my profile on LinkedIn

Learn about mobile strategies at MobileEnterpriseStrategies.com

Follow me on Twitter @krbenedict

Browse the Mobile Solution Directory

Join the Linkedin Group Strategic Enterprise Mobility

***Full Disclosure: These are my personal opinions. No company is silly enough to claim them. I am a mobility and SMAC analyst, consultant and writer. I work with and have worked with many of the companies mentioned in my articles.

Mobile Expert Video Series: Shishir Kapoor on Mobile Payments and Security

In this Google+ Hangout interview with Cognizant's mobile payment expert Shishir Kapoor, we discuss the details of mobile payment systems, Truzign, the problems and challenges and how they can be solved.  Warning - the video recording seems to skip a bit (blame Google) but there is some great information here.

Video Link: http://www.youtube.com/watch?v=_BnHU0ffNLs&feature=share&list=UUGizQCw2Zbs3eTLwp7icoqw

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Kevin Benedict, Head Analyst for Social, Mobile, Analytics and Cloud (SMAC) Cognizant

View Linkedin Profile

Learn about mobile strategies at MobileEnterpriseStrategies.com

Follow me on Twitter @krbenedict

Join the Linkedin Group Strategic Enterprise Mobility

***Full Disclosure: These are my personal opinions. No company is silly enough to claim them. I am a mobility and SMAC analyst, consultant and writer. I work with and have worked with many of the companies mentioned in my articles.

Mobile Commerce News Weekly – Week of July 29, 2012

The Mobile Commerce News Weekly is an online newsletter made up of the most interesting news, articles and links related to mobile payments, mobile money, e-wallets, mobile banking and mobile security that I run across each week.  I am specifically targeting market size and market trend information.

Also read Enterprise Mobility Asia News Weekly
Also read Field Mobility and M2M News Weekly
Also read Mobile Marketing News Weekly
Also read Mobile Health News Weekly
Also read Mobility News Weekly

AuthenTec, a U.S. mobile and network security provider has agreed to be acquired by Apple.  One of its key offerings is fingerprint sensor, which can be used for authentication and security in mobile payments by phones, and is seen by some analysts as a target of Apple's purchase. Read Original Content

In India, the number of bank transactions through mobile devices grew over two-and-half times to 3.34 million in May 2012 from 1.28 million in May 2011, according to the Reserve Bank of India. Read Original Content

Charlie Miller, a principal research consultant at security company Accuvant, demonstrated on July 25 how NFC can be used to hack into a smartphone and access user information. Read Original Content

Verivo is a leading provider of enterprise mobility software. Verivo helps companies accelerate their business results. Its unique technology empowers teams to build, deploy, manage and update their mobile apps -- rapidly and securely. Verivo’s mobility platform is used by hundreds of companies in numerous industries, worldwide. This newsletter is sponsored in part by Verivo.  To learn more, visit www.verivo.com

M-commerce has quickly been adopted by 37 percent of U.S. consumers and is heavily driven by women and younger consumers (25-34). Driven by the popularity of mobile devices and the comfort consumers have found shopping on them, mobile commerce will continue to grow. Read Original Content

Worldwide Olympic and Paralympic partner for the London 2012 Games has announced mobile payments will be featured throughout the events to draw attention to the latest innovations for completing transactions and transforming the way money is exchanged and managed. Read Original Content

Mobile and online payments company payvia has come up with a new mobile payments solution. According to the company, it now offers a convenient option that complements merchant checkouts to reduce abandoned transactions, increase conversions and deliver more paying customers. Read Original Content

Mobile Commerce News Weekly – Week of June 10, 2012

The Mobile Commerce News Weekly is an online newsletter made up of the most interesting news, articles and links related to mobile payments, mobile money, e-wallets, mobile banking and mobile security that I run across each week.  I am specifically targeting market size and market trend information.

Also read Enterprise Mobility Asia News Weekly
Also read Field Mobility and M2M News Weekly
Also read Mobile Marketing News Weekly
Also read Mobile Health News Weekly
Also read Mobility News Weekly

It is estimated by 2016, application-to-person messaging – messages between a user and an automated application – will transform industries such as financial services, advertising, marketing, business administration, ticketing, television voting, bill payments and more. Read Original Content

The new Quarterly Benchmarking Index from IMRG and Capgemini has revealed that transactions completed on smartphones and tablets skyrocketed by an astonishing 2,000 percent in two years and accounted for 8.2 percent of total online shopping during the first three months of this year. Read Original Content

A new mobile payment network is leveling the paying field.  Called LevelUp, the network generates unique QR codes on consumer smartphones that can be read by merchant devices.  Read Original Content

Verivo is a leading provider of enterprise mobility software. Verivo helps companies accelerate their business results. Its unique technology empowers teams to build, deploy, manage and update their mobile apps -- rapidly and securely. Verivo’s mobility platform is used by hundreds of companies in numerous industries, worldwide. This newsletter is sponsored in part by Verivo.  To learn more, visit www.verivo.com

My Mobile Payments Ltd, has launched a new mobile wallet service in India that can be used by customers of any mobile operator or bank (you don't need be with any bank at all), the service called 'Money on Mobile' or MoM, can be used by mobile subscribers to make bill payments, purchase goods and services without the need of cash, check or credit/debit card. Read Original Content

Sprint is working on a mobile-payment service that could take on Google Wallet and countless other competitors in the marketplace, according to a new report from Android Central. Read Original Content

Mobile banking is growing all the time. Not only can you organize your money on your mobile with online and SMS banking, some customers can also use their devices to make payments using NFC. And now, NCR Corporation has announced they will allow their customers to use their mobiles to withdraw money from their account at an ATM. Read Original Content

Mobile Expert Video Series: The Sybase 365 Team

I have said it before, and I will say it again, I believe the Sybase 365 platform is one of Sybase's most interesting mobile platforms and one of their best kept secrets.  It is huge in m-Commerce and in mobile banking.  It is also widely used around the world for mobile commerce.  In this interview, I talk about Sybase 365 with Sybase's Allen Lau and Gabe Thendean.

An interesting side note - The Sybase 365 platform is integrated in some of SAP's mobile competitors' solutions.  Some of these competitors are actually using the power and capabilities of Sybase 365 to give them competitive advantages over SAP and SUP.  I think SAP should pay more attention to Sybase 365 as it can be the engine to power much of the new wave of mobile banking and m-Commerce globally.

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Kevin Benedict, Independent Mobile Industry Analyst, Consultant and SAP Mentor Alumnus

Visit MobileEnterpriseStrategies.com

Follow me on Twitter @krbenedict

Join the SAP Enterprise Mobility and Sybase Unwired Platform Groups

Read The Mobility News Weekly

Full Disclosure: I am an independent mobility analyst, consultant and blogger. I work with and have worked with many of the companies mentioned in my articles.

Mobile Commerce News Weekly - Week of January 30, 2012

The Mobile Commerce News Weekly is an online newsletter made up of the most interesting news, articles and links related to mobile payments, mobile money, e-wallets, mobile banking and mobile security that I run across each week.  I am specifically targeting market size and market trend information.

Also read Enterprise Mobility Asia News Weekly
Also read Field Mobility News Weekly
Also read M2M News Weekly
Also read Mobile Marketing News Weekly
Also read Mobile Health News Weekly
Also read Mobility News Weekly
Also read Mobility Charts Weekly

MasterCard is running an NFC pilot program at movie theaters in Australia that lets consumers pay for food and drink items via their mobile devices. Read Original Content

According to Gordon Borrel, advertising budgets earmarked for the desktop Web will shift to mobile in the next five years, propelling U.S. local mobile ad revenue to shoot up from about $2 billion this year to about $24 billion by 2016. Read Original Content

In December, sales stemming from smartphones and tablets accounted for 11 percent of total online sales, up from 5.5 percent in December 2010, according to IBM. Read Original Content

Tech Endeavour structures a mobile application as a multi-layered application consisting of user experience, business, and data layers. The mobile application development process starts with definition of the mobile application, understanding key components, learning scenarios where it will be used, learning key patterns and technology considerations as well as identifying specific scenarios such as deployment, power usage and synchronization.  This newsletter is sponsored in part by Tech Endeavour, http://www.techendeavour.com/.

During 2012, eBay predicts it will make $8 billion globally in mobile gross merchandise volume, up 60 percent from $5 billion in 2011. Read Original Content

Mobile Commerce News Weekly - Week of January 2, 2011

The Mobile Commerce News Weekly is an online newsletter made up of the most interesting news, articles and links related to mobile payments, mobile money, e-wallets, mobile banking and mobile security that I run across each week.  I am specifically targeting market size and market trend information.

Also read Field Mobility News Weekly
Also read M2M News Weekly
Also read Mobile Marketing News Weekly
Also read Mobile Health News Weekly
Also read Mobility News Weekly
Also read Mobility Charts Weekly

New York Waterway, which carries passengers across the Hudson and East rivers, will launch the first smartphone-based ticketing system for mass transit riders this week. The free app, developed by New York-based Bytemark, allows riders to purchase tickets in advance with an Apple or Android compatible smart device. Read Original Content

Recent predictions suggest that during 2012 there will be 30 to 40 million purchased smartphones enabled with NFC chips. Read Original Content

Juniper Research reports that nearly $55 billion in international remittances will be enabled via mobile devices by 2016. For 2011, it is estimated to be under $12 billion. Read Original Content

Tech Endeavour structures a mobile application as a multi-layered application consisting of user experience, business, and data layers. The mobile application development process starts with definition of the mobile application, understanding key components, learning scenarios where it will be used, learning key patterns and technology considerations as well as identifying specific scenarios such as deployment, power usage and synchronization.  This newsletter is sponsored in part by Tech Endeavour, http://www.techendeavour.com/.

KPMG's fifth annual Consumers and Convergence survey has found that 23 percent of U.S. consumers are now "very willing" to use their mobile phones as a wallet and the number rises to 30 percent for younger adults aged between 16 and 34. Read Original Content