Telemedia Magazine

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making interactive communications pay

IN THIS ISSUE

ISSUE 39 | £4.99

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Media revolution

Mark Challinor kicks off our focus on Interactive Media with a look at what publishers want from digital and and how the telemedia industry can deliver it

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Going digital

Paul Skeldon shows how Safari Mobile’s digify.it platform can help publishers... by showcasing Telemedia magazine as an app on their great new platform

FEATURING

PAYMENTS

New global retail study reveals consumer demand for new ways to pay

Shoppers around the world are demanding a transformation in their retail experiences, a study by MasterCard has revealed. Retailers are under increasing pressure to adopt new payment technologies, as shoppers demand simpler and more innovative ways to pay, MasterCard’s first Retail Social Listening Study has revealed, ahead of the Mobey Forum’s Mobey Day in Barcelona on 1415 October.

In a world first, the MasterCard study in partnership with PRIME Research, analysed 1.6 million unprompted online conversations around shopping and retail, across 61 markets in order to understand consumer experience over the last 12 months. The global social listening study identified some of the key trends within the shopping and retail space, in order to provide retailers with stronger insights and understanding of their audience. Key findings from the study indicated retailers are experiencing a shift in consumer expectations, requiring new and richer experiences, which will enable consumers around the world to shop at the ‘speed of life’. The study also finds that convenience was the most positively discussed aspect of new digital payment methods in shopping and retail related conversations (77%), with the travel sector leading the way in terms of the highest share of coverage. Consumers spe>> 5 GAMING

TxtNation leads the “charge to mobile” in Gaming The gaming sector, especially online casinos, are leading the way in terms of using charge to mobile technology, Telemedia magazine can exclusively reveal. Leading telemedia player txtNation has bagged a series of big deals with i-gaming billing companies to add charge to mobile to the payment stacks of many leading casinos, and business is brisk.

Casinos are increasingly using charge to mobile for initial offerings and sign ups with a view to them upselling them to longer term credit card use – and its working, with i-gaming companies reporting excellent conversion rates. “We are seeing huge momentum in the i-gaming sector for charge to mobile, with the £30 limit not being seen as a barrier as it’s usually for an initial offering,” says Michael Whelan, head of txtNation. “The sector has taken a lot of education, but now they have got it they have embraced it totally and en>> 4

More news, views and analysis at www.TelemediaOnline.co.uk

PAYMENTS

Mobile payments will grow at 39% between now and 2020 Future Market Insights (FMI) projects the mobile payment transaction services market will expand at a CAGR of 39.1% during the period 2014-2020, driven by ticketing and top ups >> 11 PAYMENTS

High value mobile contactless payments to be accepted across Europe by 2017

MasterCard has announced that everyone will be able to pay with their contactlessenabled device for high value payments (above £30 in the UK) at all contactless terminals in Europe by 2017. >> 11 PAYMENTS

Apple Pay is here: but is it really going to change payments? 14 July, saw the launch of Apple Pay in the UK. Many of the leading banks and some 250,000 merchants are already live with it and its has garnered many column inches in the media and much breathless oration on TV. The web is alive with the sound of Apple Pay. >> 12

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INDUSTRY

Leading telemedia players Fonix and ImpulsePay listed in the Tech Track 100 The BDO Sunday Times Hoscox Tech Track announced the annual Tech Track 100 (an independently ranked list of the UK’s fastest growing technology companies based on size, turnover and profit) - and reveal that two leading Telemedia companies are “on the up”. Mobile messaging, payments and telephony company, Fonix at number 34 in the annual business report, while ImpulsePay, a pioneer of the Charge to Mobile sector, was listed as the 10th fastest growing technology business in the UK. Launched in 2014, Fonix’s payment, messaging and telephony software processes more than 200,000 transactions every day, and has handled in excess of £56m of con-

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sumer payments in the past 12 months. Its customers are principally in media, entertainment and digital commerce industries and include Channel 5, Comic Relief, Powwownow and Daily Mail Group. Formerly Orca Digital, the enlarged group was established last year after chief executive Rob Weisz, merged Orca with his mobile payments company Fonix Interactive. The business has seen sales growth from £4.8m in 2014 to £28.5m in

2015. The Tech Track list is based on average annual sales growth over the last three years. ImpulsePay’s place on the list is thanks to the success of both

More news, views and analysis at www.TelemediaOnline.co.uk

the ImpulsePay and BillMobile brands that help businesses quickly and easily take payment of up to £30 from consumers with a little as two clicks on their mobile phone.


TRAVEL

“Charge to Mobile is a growing technology and we are very proud to have been recognised as leading this growth,” said Chris Newell, CEO of ImpulsePay. “The whole sector will continue to grow over the next few years and we expect to be leading the way.” Weisz previously spearheaded Mobile Interactive Group’s commercial division, which topped the Tech Track 100 in 2008 before it was bought for £37m by American mobile marketing giant Velti in 2011. Commenting on the announcement, Weisz said: “Being ranked by Tech Track is a huge achievement and testament to the hard work and energy delivered by the team at Fonix over the last 18 months. “Mobile payments, in particular carrier billing, is entering an era where consumers enjoy secure, frictionless payments

and a growing number of merchants across an increasingly diverse number of sectors are rewarded with massively improved conversion rates.” Not only was ImpulsePay the highest listed mobile payments provider, it was also the company with the lowest number of employees, ten! “Growth can be achieved with a strong, determined and intelligent team. You don’t need to be the biggest, just the best,” continued Newell. “We also have great clients who had the vision to see how mobile payments could help their business and now have the results to back that up.” ImpulsePay expects further sales growth over the next few years as the company capitalises on Charge-to-Mobile’s increasing popularity. www.fonix.com www.impulsepay.com

Mobile making a significant and growing contribution to travel, study finds Mobile accounts for a significant part of the growth in the travel bookings sector, with its share doubling from 12% to 23%, according to the latest study by Criteo. Having analysed a sample of over 1 billion bookings from over 100 of the top travel suppliers and online travel agents (OTAs), Criteo has identified a number of key trends which can offer travel providers insights into how to optimise their strategies and take advantage of the increasing opportunities on mobile platforms. Mobile apps are generating 49% of the mobile revenue is now generated from mobile apps thanks to in-app advertising and tracking and this had increased from 12% just a year ago.

Device use varies depending on multiple factors as expected, however, smartphones are clearly the most effective device upon which to close same day bookings – 47% on mobile, 58% on mobile and tablet. Attribution is still a challenge for marketers as cross-device usage is significant in this sector. In terms of smartphone bookings, online hotel travel agencies are generating significantly more business from mobile platforms than the suppliers themselves – 21% vs 7%. www.criteo.com

„More than 350 Number Ranges at Top Rates makes us Reseller Number One!“

Ying Guo, Sales Manager

Making interactive communications pay

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CONTENT

European digital audiences are 24×7 and multiscreen – but they have distinct ‘tribes’ New findings released today by Brightcove, reveal that more than seven in ten consumers see ‘room for improvement’ with their on-demand and live viewing experiences – with more varied (35%), relevant (32%) and easier to find content (22%) cited as the top changes needed. The report – ‘A New View’ – conducted by Vanson Bourne on behalf of Brightcove questioned more than 4,000 consumers across Europe to find patterns in the way audiences watch digital content today. The report suggests that more than a third of European viewers now use mobile (33%) and tablet (34%) devices to watch video content, and four in ten (41%) use more than one screen as part of their viewing habits (known as ‘second screening’). Online video content is now being consumed 24/7. While the evening still dominates (55%), daytime (24%), overnight (15%) and morning (6%) viewing are increasingly popular times of the day for catching up on the latest shows. Many are realistic about the necessity of ads, with over four in ten respondents saying they expect advertising if content is free. Another 12% reported ‘there’s nothing wrong with ads’ and some even said they enjoyed them.

However, 39% of viewers want ads to be shorter and 31% want to be able to fast-forward through them, suggesting the perception of ads still requires improvement. The research groups the viewers of tomorrow into four distinct categories or ‘tribes’, characterised by their viewing habits, expectations and preferences. The Digital Natives, who fall in the Generation Z demographic, are highly connected and like to use multiple devices to view video content, sometimes at the same time. 67% use their mobiles. Of all the tribes, this group are the biggest ‘binge watchers’ at one third (33%) and watch the most online/on-demand video content (or VOD) at 10 hours a week. A third (36%) of this group post on social networks talking about content they’ve seen, most often in the

morning. The millennial generation has grown up in the midst of a technological revolution and are multi-screen junkies. Of all the tribes, this group is most likely to buy products seen in video content. Nearly two thirds (60%) of this group have a tendency to second screen whilst watching video content, and one in twenty use three screens. Of all the groups, this tribe are least loyal to live TV programmes, but most willing (31%) to pay for premium channels. Telly addicts are a part of the Generation X age group that has a tendency to be highly educated and family orientated. Of all the groups, television was most important to their lives (55%). This group watches less VOD content at seven hours a week and the majority (72%) prefer to do so on their PC or laptop. Over half of this group schedule

to watch entertainment, live sport or time-sensitive events like political elections or variety show finals. Baby Boomers make up most of the Devoted Spectators tribe. This group are the most keen news watchers and will mainly watch programmes at home. Three-quarters (75%) of this group are loyal watchers of their favourite programmes, but watch the least digital video content of all the tribes at just five hours a week. Perhaps surprisingly, a fifth of this group use more than one screen at least some of the time when watching content. Anil Jain, Senior Vice President & General Manager, Media at Brightcove comments on the study: “Despite all these evolving patterns in viewers’ expectations and preferences for digital television, across the board audiences are looking for relevant, varied and high-quality content that entertains or informs them, across platforms and screens. “As broadcasters plan for their future, extra care should be taken to marry rich content with optimal delivery, discoverability and relevant advertising in relation to both the content and viewer. The more tailored the content is, the more accepting viewers are to advertising – which in turn helps broadcasters achieve business goals. www.brightcove.com

help but get the message that charge to mobile is a great way to quickly pay for entertainment and is likely to mark the beginnings of charge to mobile getting some real mainstream momentum. “The biggest hurdle to getting

any vertical to use charge to mobile is that there were very few user case studies: that has now all changed,” says Whelan. There is also the added advantage – as increasingly witnessed by these i-gaming companies – of the ability to bulk message mo-

bile users and include a link that takes them straight to the charge to mobile page to make an initial deposit to play. This is helping drive very rapid uptake and is putting a big smile on the face of the gaming industry. www.txtnation.com

GAMING

Gaming sector << 1 thusiastically.” The move is excellent news for the charge to mobile industry as casino gaming has a very broad appeal and, more over, advertises in mainstream media such as cinema and TV. This can only

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More news, views and analysis at www.TelemediaOnline.co.uk


FROM THE EDITOR

THE BIG GUY Paul Skeldon paul@telemedia-news.com ART DIRECTOR Victoria Wren victoria@wr3n.com CONTRIBUTORS & CONSULTANTS Rory Maguire, Toby Padgham, Chris Newell, Edward Boddington, John Strand, Peggy Ann Salz, Bruce Pharoah, Paul Dunone, Jarvis Todd, Sheldon Johns, Mark Birkett, Eric Feltin, Tim Green SALES & MARKETING info@telemedia-news.com PRODUCTION DIRECTOR Annika Micheli annika@telemedia-news.com PUBLISHER Jarvis Todd jarvis@telemedia-news.com TO SUBSCRIBE www.telemedia-news.com CIRCULATION ENQUIRIES Ellie Gold ellie@telemedia-news.com WHAT WE’VE BEEN LISTENING TO Dr Hellier, James I Delete, TV Smith WHAT WE’VE BEEN AMUSED BY Kingsmen WHO WE’VE BEEN FOLLOWING @WindsorJohnHolden WHAT WE’VE BEEN READING ABOUT Sapiens, Yuval Noah Harari AUGUST 2015 WILL BRING... Talks to change Part 4 of the Code TELEMEDIA MAGAZINE is published five times a year and circulated in print to qualified readers and downloaded in digital format to 12,000+ requested readers. BUSINESS ADDRESS: Ground Floor, Virginia Cottage, Nash Lane, Scaynes Hill, West Sussex, RH17 7NJ, UK. Web: www.telemedia-news.com Overseas subscriptions and non qualified readers can obtain Telemedia Magazine with an annual subscription rate of £15 / 20. Refunds on cancelled subscriptions will be provided at the publisher’s discretion, unless specifically guaranteed within the term of subscription. © World Telemedia Ltd. All rights reserved. No part of Telemedia Magazine may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying and recording on any information storage or retrieval system without the written consent of the publisher. The contents of Telemedia Magazine are subject to reproduction in information storage and retrieval systems. Repro and Print by Trio Offset

Dealing with the digital dilemma The publishing industry is the latest in a long line of mainstream entertainment services that are having to go digital. It all started with music, then books, then films. Now newspapers and magazines – many of which have toyed with digital – are having to embrace it fully and make it pay. And that is why this issue of Telemedia magazine is focused on digital publishing and the monetization thereof – and it paints an interesting picture. The publishing industry knows that it has to fully embrace digital, and that that means not only creating a load of digital content, but linking it all together and coming up with interesting ways to package it up and get it out there. Oh and of course how to make

money from it. As you will see in the features in this issue, we get an insight into what the publishing world wants from digital – and from telemedia in terms of monetization – as well as then exploring other facets of the digital dilemma. For instance, how do you actually go about digitizing your content cost effectively? How can you use the data it creates to add value to your advertisers that can end up on the publisher’s bottom line? We also explore how charge to mobile can be used to make snackable digital content something that can be easily paid for with micro- billing, making it more appealing to consumers to actually pay for the things they enjoy.

And finally, we look at how to target and retarget consumers and offer them easy ways into the content and beyond. As our focus shows there are many ways to make digital media work and to make it pay. And we are putting our money where our mouth is and offering this issue of Telemedia magazine digitally with the digifi.it platform. Check out the website. www.telemediaonline.co.uk @telemediaTweets @MrSkeldon

second most discussed topic according to the study (21% share of coverage of the six aspects measured). Consumers discussed extensively their desire for retailers to integrate new payment systems, with conversations about fashion being most prominent in terms of sector. Fashion focussed shoppers were the most keen to shout about retailers who accept new methods of payment, such as contactless acceptance and mobile payment capabilities. In addition, Twitter was highlighted as the most frequently used social media platform globally when it came to online conversations about retail and shopping. Carlos Menendez, Executive Director for International Markets at MasterCard explains “The wave of social engagement we see every time new payment

innovations are rolled out truly reflects the demand and desire for new and more convenient ways to pay. It also shows that payments have really moved into the heart of the shopping experience – causing frustration when not accepted and engagement when fast, easy and personal.” Mobey Day is an annual event that brings together the finance, technology and telecoms industries globally for two days of

sharing, learning, analyzing and collaborating. Themes for Mobey Day 2015 include HCE and tokenization, value added services in mobile payments, consumer engagement and the importance of design in mobile finance and blockchain technology and virtual currencies. Find out more about Mobey Day’s website. www.mastercard.com www.mobeyday.com

Paul Skeldon. editor

PAYMENTS

New ways to pay << 1 cifically highlighted their preference for not necessarily needing to take their wallet on every trip and being able to use mobile payments when they travel. Rewards and benefits for the consumer were the most vociferously and positively discussed topics across social media when it came to shopping and retail (38% share of coverage of the six aspects measured). Entertainment was the sector leading the way, where rewards & benefits were most discussed. Consumers expressed eagerness for further acceptance of NFC payments allowing them to receive rewards for using them regularly, such as with MasterCard’s Fare Free Friday’s in London. After rewards and benefits, consumer discussion of which retailers do and do not accept newer forms of payment was the

Making interactive communications pay

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REGULATION

Making sure that your ads aren’t seen by everyone is becoming increasingly important – especially with regulators and networks getting more concerned about youngsters seeing age inappropriate content. Declan Pettit explains what can be done

Eyes wide shut

The famous US marketing pioneer, John Wanamaker said over 150 years ago: ‘Half the money I spend on advertising is wasted; the trouble is I don’t know which half’. One would think that today, with all our profiling metrics, advertising spend would be better targeted – yielding a more favourable effective spend ratio. This would appear not to be that case, especially when it comes to who you don’t want to see your ad. Telemedia Week ran an article (15th July) concerning the results of a recent Childnet survey, which revealed that 12% of kids have accidentally spent money on an in-app purchase. This is only part of the problem kids face when navigating their favourite app. Rory McGuire, MD of AIME, warned in the article: ‘It is very important therefore that young people…are also aware that an advert they see may not be appropriate for their age. Under PPP and MNO Codes, a merchant is responsible for all advertising. Recently, MNOs took to issuing a ‘Pink’ card to merchants, where the marketing journey – which is generally outside of direct merchant control – is age inappropriate. This Pink card requires them to take down ad within 24hrs, or as agreed with the MNO. It’s positive to

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see that PPP and MNOs now understand that working with Merchants in this area is vital. This pragmatic approach of Industry is aligned to the regulatory responsibility for thorough DDRAC to be conducted by parties in the value chain. For a merchant, the expectation is that ‘reasonable endeavours’ are made to ensure ads aren’t placed in children’s apps/sites. Before delving into what is ‘reasonable’, what exactly is the problem? A lot of publishers do not specify what type of ads they want on their sites/apps. Categories for advertising aren’t granulised - and when selecting a sector such as ‘entertainment’, there may be children’s services included, as the app developer hasn’t specified an age range. Also, none of the blind networks – including Google – can guarantee 100% that this will not happen – Google terms state an accuracy rate of 90%. So, not only are advertisers exposed to the whims of the publisher from a regulatory perspective, they are also being penalised financially as they have to pay for the wasted inventory that have absolutely no interest in their ‘anti virus software’. So, what are the ‘reasonable endeavours’? Currently there are two approaches for control-

ling ad placement in such media. Firstly, there is White listing. By citing specific sites and apps for ad placement, it’s impossible to build full list of appropriate sites - so advertisers just go for large known apps/sites but miss out on traffic from the large number of lesser-known publishers. Then there is Black listing. This is the process of selecting categories by working with media companies to block specific sites/ apps. This requires regular post advertising analysis of traffic (needing further blocking), monitoring alerts of inappropriate ads that require further action and on-going support from customer services for complaint monitoring and refund policy. To deploy a black listing approach, the merchant needs to undertake the above list of on-going actions – which costs time and money. The problem is only going to get worse, since Google launched its new automated system that matches up similar logins with patterns and demographics (not cookies as logins are normally wiped). This will push advertisers to more of a ‘placement’ approach rather than display (to avoid age inappropriate issue). An additional problem is individuals have networks (at home/office/public) - so inappropriate targeting

More news, views and analysis at www.TelemediaOnline.co.uk

will get worse. To monitor age inappropriate advertising, MCP has developed a solution, called Age Inappropriate Scanner (AIS) with some larger industry players who are keen to demonstrate proactive compliance to regulatory obligations. AIS is a spin-off from MCP’s VeriScanner tool – an automated ad scanner (online and social) operating 24/7 in 6 European countries including UK. Not only does it capture the full consumer journey through to service landing page, it also provides a plethora of commercial information (competitive analysis, new flows, new services), as well as being a necessary compliancemonitoring tool. MCP is also developing an online checking facility to establish if the referring app or site is kid-intensive – called ‘KidsCheck’. It will be a real-time solution, allowing merchant to reject or accept an ad on the basis of the app id or the site URL. The service provides a rating of each site, based upon a continuing accumulation of sites and apps, targeted specifically at children. Declan Pettit is Director of Monitoring Compliance Partners www.monitoringcompliancepartners.com


10-12 November 2015 Backed by Telemedia powerhouses including Oxygen 8, International Premiums, Telecom 2. Kwak, Talk Talk Business, txtNation and Phonegroup, the 51st World Telemedia show has officially launched. With a no-nonsense theme of “Carrier Billing for Premium Content, Service & Applications”, the show returns to the wonderful city of Prague on the 10th to the 12th November.

World Telemedia Prague Preview Over the coming weeks we’re looking forward to seeing how this “revamped” industry gathering will take shape. When I asked event organised Jarvis Todd to explain his thinking behind some of the format changes he explained: “Information exchange has often been a challenge [in this highly competitive industry], with speakers often reluctant to “spill the beans” – this year we’ve mixed it up by introducing a variety of new formats to stimulate the exchange of thoughts, ideas and information” There will be four major plenary sessions (covering industry trends, billing, infrastructure and new vertical markets) supported by “country updates” and “city breakouts”. The updates being short sharp “drop in” sessions (on the show floor); where delegates can gain a general understanding of a wide range of global markets. However the breakouts will give everyone an opportunity to enjoy a change of scene with like-minded colleagues; as they gather in specially selected city venues to discuss areas of common interest – whilst sampling some local culture. The show floor looks a little

different too, with video screens at every turn - the emphasis will really be on company presentations and meetings areas. There’s even a dedicated corner for you to book a pre-arranged TV interview with the editor of Telemedia Magazine – this can then be used as valuable corporate video content for your own site, You Tube, Telemedia TV and course Telemedia Online. As you might expect, the team at WT HQ are also now working hard to select the very best city locations for another packed schedule of evening events. Prague may not be “just about the beer” but don’t worry, it’s sure to feature as part of a networking schedule that includes; a Gala Dinner on the 10th, Evening Drinks on the 11th and a “tasting” session for those “hair of the dog diehards” that don’t

wish to rush off on the last day. World Telemedia 2015 is set to be another high tech orgy of business networking and information gathering - with the emphasis on helping everyone make the right contacts during their time in Prague. So now is definitely the time to get in touch with the events team and start thinking about how you can capitalise on this fantastic and seemingly “evergreen” commercial forum. A call for papers has now gone out with responses due by the end of September and the show floor is now open to book meeting areas, table tops, stands, mini lounges and hospitality areas. See www.wtevent.co.uk/rates/ for more details or contact Jarvis@wtevent.co.uk (+44 7711 927092)

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EVENT SCHEDULE

TUESDAY 10 NOVEMBER 12:00 NOON Registration Opens 15:00 – 16:00 CITY BREAKOUTS • International PRS • Premium Content • UK Telemedia 17:30 KEYNOTE PRESENTATION GLOBAL OPPORTUNITIES FOR TELEMEDIA

17:00 – 19:00 EXPO LOUNGE • Company Presentation/ Meeting Areas • Keynote Presentation • Corporate Video Area • Country Update Area • Welcome Drinks & Refreshments 20:30 OPENING PARTY & GALA DINNER WEDNESDAY 11 NOVEMBER 10:00 – 16:00 COUNTRY UPDATES 11:00 – 13:00 CARRIER BILLING 13:00 – 14:30 DIRECTORS LUNCH 15:00 – 17:00 STRATEGIC TELECOMS 16:00 – 19:00 CITY BREAKOUTS • Premium Content • UK Telemedia • International PRS 21:30 EVENING DRINKS RECEPTION THURSDAY 12 NOVEMBER 11:00 – 13:00 KEY TELEMEDIA VERTICALS 11:00 – 13:00 COUNTRY UPDATES 13:00 WORKING LUNCH & FAREWELL DRINKS 15:00 CZECH BEER TASTING For full speaker list and updates see www.wtevent.co.uk

Making interactive communications pay

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PUBLISHING

Media revolution The publishing business has embraced digital, but how can it effectively monetize it and make it work to its advantage? Here Mark Challinor discusses what the media needs to do, how micropayments hold the key and what the telemedia industry can bring to the party Readers today consume content anytime and anywhere, and the plethora of ways to do so grows by the minute. But let’s take the long view for a minute. Let’s look at the landscape they find themselves in. The Internet of Things makes it a truly connected world 24/7, where we are now identified by geolocation or an IP address. News media companies realise the role interactive technologies are now playing – and that they will continue to play a big part in future business models. The trick, though, is how to monetise this new world. As print revenues decline, digital monies are not replacing them fully yet. Mobile, for example, is seen by many as an add-on and not the premium channel it deserves to be. News media companies reach more people today than ever – through largely a print-plus-digital offering/portfolio. I could argue that we deserve better. More creativity abounds now – more investment in trying new ideas, better structures, etc., with road maps, customisation, and creative advertising solutions across platforms. These all add to the mix. And then there is data. The future winners, according to Enders Analysis, are those who have a firm grip on their audiences and where they are going using data. That’s why many media companies are seeing data as the Holy Grail, capturing, manipulating, and exploiting their data now in this new era of Big Data. When adding first-party data (via competitions, subscriptions,

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etc.) to the market and industry data that’s available freely, a powerful picture can emerge that’s attractive to advertisers. So, it’s all simple, isn’t it? Well, not quite – but news media is getting there. There is still much to learn, get right, and understand. And a significant piece of the jigsaw puzzle, I believe, is in the area of direct payment solutions – that is, charging for content direct to the user’s mobile phone bill. That’s charge to mobile. So, where does mobile payment technology fit in? News media is focused on developing mobile products more than anything else. But a whole range of technology companies – app stores, operators, payment companies such as Barclaycard and Visa, etc – are going to have a big impact on how publishers make money. We are still on first base. For instance, would giving readers the option to pay for media content through mobile phone operators give a boost to circulation sales? If someone goes into a shop and buys a carton of milk, it feels wrong to put it on your plastic card. The same could be said of picking up a daily newspaper. Consider the logic: there are more people with mobile phones than credit cards in the world, so mobile billing could be a way to increase sales. The potential is most definitely there. It could be argued that app stores and a whole new breed of apps – such as Uber and OpenTable being just two of many – are already doing a decent job of taking much of the pain and hassle out of paying for stuff and

content on mobile. No terminals need to transact. But for “non-app” sales, or for reaching consumers without a credit card or those who don’t want to use one, it could be a good way of tapping into users who don’t yet pay for things with a mobile device. I feel that what’s needed is an education exercise from the telemedia industry to publishers to iron out the trust and fear factors – assuring them there is no risk – and explain of the benefits. Another hot topic is whether or not this new way to pay would help users make mobile advertising payments. Near field communications (NFC) allows mobile users to pay for items simply by tapping bank cards on payment points. This surely has big potential. If NFC payments do really take off – ApplePay and AndroidPay are leading the charge – it could provide an interesting and powerful new way to track the impact of advertising on a range of purchases, particularly at point of sale. This element has been missing for advertisers thus far, and news media companies, as “trusted” brands at the very heart of buying decisions, could be well placed to take advantage of new developments and efficiencies in the mobile retail process. Think of the e- and m-commerce and brand extension opportunities. Education, again, is and will be key. There is still not enough knowledge – and a fear of the unknown – in media businesses and their agencies and advertisers, which keeps this from being

More news, views and analysis at www.TelemediaOnline.co.uk

fully explored and ultimately exploited. Curiosity is there, but perhaps there is not enough to take that curiosity to the next stage without help. One reason media businesses such as newspapers have struggled to charge for content is because they need to charge either all (pay the entire subscription fee for all the content) or nothing (which sometimes, for some of the not-so-smart- organisations, then results in many ugly, non-targeted banner ads and popups everywhere). All of a sudden, with m-payments, there is an economically viable way to charge arbitrarily small amounts of money per article, section, hour, video play, archive access, or maybe even news alert. If micro-payments take off, then I can begin to see interesting possibilities. Media companies may start paying commenters for their input. Imagine a comment post that passes a certain number of votes, receiving a tiny fee. Maybe powerful celebrities will retweet a news brand’s promotional football tweets, thus receiving a fee linked to the number of people reached. A Swedish payment company thinks it can “save newspapers” – their words. That claim caught my eye of course. But there is something interesting here. In the UK, many newspapers see circulation numbers declining when only charging less than a cup of coffee on cover price. But, payment company Klarna thinks it has built a tool that can help ease newspapers’ transition to digital,


PUBLISHING

and they feel it could ultimately save the industry. The company thinks its oneclick payments could revolutionise the way we consume media online and on mobile. It built the business around the idea of shifting payments until after you’ve bought something online, rather than before. It basically lets any retailer put the equivalent of Amazon’s “buy with one click” button on its site. Click the Klarna button, then input your e-mail address and post code. That’s it. You’ve bought your item. The buyer then gets an e-mail asking them to fill in payment and delivery details. This method radically improves conversion rates’ – the percentage of people who actually follow through with a purchase after looking or putting it in their shopping basket. The technology remembers

your computer, smartphone, or tablet, meaning you only have to fill in payment details once. Next time you go to any enabled site, you can literally buy with one click. This has turned into a billion-dollar idea for Klarna and maybe a nuance that the direct billing industry in general might want to consider. It has now started working with Bonnier AB, the Nordic media giant, to offer customers an easier and simpler way of accessing articles. Browsers visiting Bonnier sites can pay €1 for a day pass with one click and will soon be able to alternatively buy individual articles for small sums. The company isn’t the first to try this. The New York Times, Wall Street Journal, The Washington Post, News UK here in London and the entire German newspaper industry have all recently partnered with Dutch start-up

Blendle to offer micropayments for articles. Blendle says: “Lots of people have tried to do micro-payments but they all require you to download an app or sign up first. People don’t want to do that. If people see this complex subscription sign up, people will just go somewhere else, but if you can provide them with an instant ‘buy this article for 10p,’ they’d do it.” Or, what if a writer programmes the ability for only 1,000 people to read a story, with the price for reading it increasing by say, one penny with each additional reader? Alternately, what if the writer of a story was willing to share a certain amount of royalty with fans who were willing to annotate and enrich the story with context, background, and trivia? Today, the mechanisms to enable the above all involve sig-

nificant programming effort and friction. But in the near future, a simple-to-use and understandable mobile payment mechanism can remove friction and make consumption, paying, and revenue-sharing all happen in the background. The argument and cautions against m-payments is that the model breaks the typical monetisation dynamic by unbundling publications and selling articles by the slice to subscribers. Price per piece. This model could therefore be (argued by some) devaluing a publisher’s content. It introduces a level of “friction” in the content discovery process because readers have to decide, with each and every article they want to read, whether it’s worth the money. On the surface, the model sounds “interesting,” but some think it might be leading

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PUBLISHING

publishers down the same path to pennies the music industry slid down nearly a decade ago if used in the same way. It didn’t work for music: streaming music is cannibalising song downloads a la Spotify. It didn’t work for video, and it especially won’t work for news if the shelf life of an article has much less value to consumers than the evergreen media they consume multiple times. That’s why, for instance, many journalists today are reportedly told to write articles without a date stamp if possible, to give the content more shelf life and “resurrectable” opportunities. Many people are no longer interested in paying per tune or DVD; they are more interested in paying for a license to listen to any song or watch any movie on any device. The same might be true for certain media, which

brings us to what could be called “Netflix for news”. Today, the most user-friendly consumption model for music, video, and news is the all-access/one-subscription model. A number of new digital magazine publishing houses are now considering some form of “Netflix for news” to their readers for a monthly fee. Currently, though, many offer just flat PDF-like replicas, created using off the-shelf, digital publishing solutions, and do not support frictionless discovery of content. They do little more than present images of a publisher’s content, which can’t be searched, shared, or enhanced with digital features. The value to users, publishers, and advertisers is limited at best. Things need to change. But maybe seeing the opportunity for m-payments will accelerate that change. I think that a change will happen once publishers start

to use push notifications better, informational e-mails for mobile screens better, creating a better experience all round such as by using data; creating tailored rich media offerings; getting closer; incorporating the concept of time, location, and context (TLC), etc. This is indeed happening now, granted, more quickly for some than others, but it’s certainly starting to happen. Then the users see the added value and are more receptive to commercial offerings. All this can happen quickly, too. We are at first base, indeed, but we can score a goal in a matter of weeks and months, not years. There are highly skeptical audiences out there. I know from working inside The Telegraph in London when a paywall was introduced how tricky it can be to monetise audiences.

But be relevant, be contextual, be adaptive, and be closer than you’ve ever been. The rewards with monetising those audiences through payment solutions will get a whole lot easier. Mark Challinor is former Director of Mobile Platforms, Telegraph Media Group, and is currently Global President, International News Media Association and CEO, Media Futures www.INMA.org www.mediafuturesltd.com @challinor inma.mark@gmail.com

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More news, views and analysis at www.TelemediaOnline.co.uk


Direct Operator Billing in Motion

Watch out for payments

Picture this

Rory Maguire explains why watches and mobiles are going to be the key to spontaneous purchases – especially in publishing

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Paul Skeldon takes a look at how charge to mobile could find a leading role in the world of movies – by revolutionising how cinemas operate

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Developing a complex

Masha Cilliers outlines how complex mobile payments have become and considers the full extend of what CM is competing against

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PAYMENTS

Mobile payments will grow at 39% between now and 2020 driven by ticketing, transfers and top ups Future Market Insights (FMI) in its research report, titled, “Mobile Payment Transaction Services Market: Global Industry Analysis and Opportunity Assessment 2014-2020” projects the mobile payment transaction services market to expand at a CAGR of 39.1% during the period 2014-2020. According to FMI, proliferation of mobile devices and increasing adoption of mobile money services across financial institu-

tions and other vendors are the key factors driving the mobile payment transaction services market. Merchants and

vendors around the world are upgrading their POS systems to facilitate mobile payment, and FMI >> 12 PAYMENTS

High value mobile contactless payments to be accepted across Europe by 2017 MasterCard has today announced that everyone will be able to pay with their contactless-enabled device for high value payments (above £30 in the UK) at all contactless terminals in Europe by 2017. MasterCard already announced last year that contactless would be accepted at every point of sale across Europe by 2020. Using payment services such as Apple Pay, consumers can already make higher value (+£30) contactless transactions by authenticating themselves with their

venience. In the second quarter of 2015, tap transactions in Europe grew by almost 170% year on year and consumfingerprint or a PIN code ers already using contacton their mobile phone or less have tapped 20% other device. However, more. Contactless spend currently this is only avail- tripled in Europe comable at selected retailers. pared to Q2 2014. In Q2 By 2017 all contactless 2015, half of contactless terminals will be upgrad- transactions took place in ed to allow higher value grocery stores; followed payments. by 14.5% at restaurants Europeans increasingly and bars, and 10% at tap for their everyday general retail stores. purchases as they benefit Chris Kangas, Head of from its speed and conContactless Payments

Europe at MasterCard adds: “The list of retailers accepting contactless never stops growing. Over the last quarter, we have announced new acceptance deals across Europe with major retailers like Ikea and McDonald’s. The drive to full contactless acceptance is taking hold. In July 2015, 43% of new terminals installed had contactless capability which is up from 21% the previous year.” MasterCard contactless technology is one of the

solutions that can help retailers to reduce queuing at the cashier or make life easier for consumers when they commute every day. For example, 1.2million contactless transaction are made with Transport for London each day, making it one of the largest contactless merchants worldwide. In Russia, contactless payments are now available in Moscow at parking meters, on the Metro and at ticket vending machines >> 12

Direct Operator Billing in Motion

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PAYMENTS

PAYMENTS

Apple Pay is here: but is it going to change payments? 14 July, saw the launch of Apple Pay in the UK. Many of the leading banks and some 250,000 merchants are already live with it and its has garnered many column inches in the media and much breathless oration on TV. The web is alive with the sound of Apple Pay. But is it going to revolutionise payments? Well, yes and no. Apple Pay – in its first iteration at least – is really just a brand using NFC contactless payments for instore payments. It also has limited reach: not everyone has an iPhone and pretty much no one has an Apple Watch. That said, thanks to all the media hoopla, it has made everyone think about mobile payments, which, for the charge to mobile end of the telemedia industry can only be a good thing. But the real issue is whether it will actually gain that much real traction? According to Gallup, 65% of consumers are at least somewhat familiar with Apple Pay,

but awareness doesn’t always lead to usage. Gallup finds that only 21% of iPhone customers actually use the Passbook app, and iPhone represents just half (48%) of the smartphone market. Though Apple is better positioned to drive adoption than some of its digital wallet competitors, it still has a way to go before Apple Pay becomes ubiquitous. Only 6% of consumers surveyed by Gallup say they are very likely or likely to start using Apple Pay in the next 12 months. This reality isn’t unique to Apple, as Gallup’s analysis shows that most customers are still looking for value in a digital wallet provider. Apple may hope that

Contactless payments

its digital wallet can entice potential customers to purchase or switch to an iPhone, but the feature doesn’t appear to be compelling enough. According to Henry Morland, VP of Products at Brightpearl: “While many commentators remain enthusiastic about the service, one of the biggest challenges for Apple Pay is the double side of adoption, both from the retailers and from consumers. Recent research has highlighted that more than 60% of iPhone 6 users who tried Apple Pay once didn’t use it again because they forgot or weren’t sure the store they were in accepted it. A separate report from Forrester found only

27% of iPhone customers trust Apple when it comes to mobile digital wallets.” Rob Weisz, MD of mobile messaging and payments company Fonix puts it well when he says: “Apple Pay will be great for certain things, not everything. This is what everyone misses with mobile payments: it won’t replace anything it will be a collection of different payment services that offer increased convenience. The consumer will chose which to use and when. Apple pay will sit alongside credit card and charge to mobile and all the others. The key will be user behaviour – that is what will create a mobile payments eco-system.”

<< 11 at a number of local and regional bus routes. In St. Petersburg contactless is also available at turnstiles of the underground, at bus routes and trams. Javier Perez, President MasterCard Europe, concluded: “Consumers in 40 European countries are endorsing the contactless payment experience as part of their day-to-day life. 61% of MasterCard in-store transactions are contactless in the Czech Republic, while similar growth trends are being seen in Poland (41%), in Hungary (27%) and in Slovakia (27%). Every time consumers see the contactless logo, they can use any contactless enabled device whether it’s a card, a mobile phone or another contactless enabled form factor to pay at home but also abroad.”

‘others’ segments collectively accounted for 8.3% share of the mobile payment transaction services market revenue; FMI estimates it to drop to 6.9% by the end of forecast period. The global mobile payment transaction volume is anticipated to reach 106 Bn by 2020. In terms of volume, merchandise purchase segment is anticipated to account for 39.8% share of the market, witnessing increase of 670 BPS. Use of mobile payment services for money transfer is expected to witness a decline of 430 BPS in its

market share by the end of forecast period. Furthermore, airtime top-ups segment is also anticipated to lose 480 BPS and account for 19.2% share of the market volume by 2020. Africa and Asia Pacific are the two most lucrative regions for mobile payment transaction services market. In terms of value, these two regions collectively accounted for nearly 58% share of the global market in 2014. FMI forecasts that these two regions will continue to dominate the global market during the forecast period.

A key development in the global mobile payment transaction services market is that Asia Pacific will outpace Africa to become the largest market. FMI estimates Asia Pacific mobile payment transaction services market to account for 27% of the global mobile payment transaction service market revenue by 2020. Among all the regions, North America is poised to witness the significant growth. North America held a 22.8% value share of the global market in 2014, and it is anticipated that by 2020, it will increase to 24.9%.

PAYMENTS

Mobile payments << 11 expects this trend to continue during the forecast period. Key factors that can impede the growth of the mobile payment transaction services market include issues with data security and privacy, and limited awareness among consumers. FMI estimates these factors to have a moderate impact on the mobile payment transaction services market growth. On the basis of key applications, FMI has segmented the mobile payment transaction services market into

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money transfer, merchandise purchase, airtime top-ups, bill payment, ticketing, and ‘others’. In terms of market value, money transfer segment accounted for 51.1% share of the mobile payment transaction market in 2014. However, the segment is expected to lose 780 BPS by the end of 2020. In contrast, merchandise purchase segment is anticipated to gain traction during the forecast period, accounting for 49.9% share of the overall market revenue by 2020. Airtime top-ups, bill payment, ticketing, and

More news, views and analysis at www.TelemediaOnline.co.uk


CASE STUDY

Experian automates SMS to improve call centre efficiency Experian is a leading global information services company, providing data and analytical tools for their clients around the world. Experian help businesses to manage credit risk, prevent fraud, target marketing offers and automate decisionmaking. The company also helps people to check their credit report and credit score, and protect against identity theft. In 2014, Experian was named by Forbes magazine as one of the “World’s Most Innovative Companies.” Experian has been using the same CRM system to capture and store contact information for candidate and tenancy applications for many years. An integral element of this process is the validation of a number of key pieces of information which

form the core basis of the application. Although the system had been the foundations of their customer contact operations, they needed to be able to reach their increasingly mobile audience at a time most convenient for them. This meant enhancing the systems functionality by adding a robust SMS solution that seamlessly integrated with the excising system. Experian relies on having the most accurate contact informa-

tion recorded for all key Oxygen8 is providing From a business percontacts associated with a multi-layered mobile spective, the SMS soluan application. validation and messaging tion has improved call Whilst this information gateway which has been centre proficiency, saving has been captured hisseamlessly integrated time and money on outtorically, the mobile con- with the Experian candi- bound phone calls that tact channels didn’t get anwere manuswered. For An integral element of this process ally validated those canis the validation of a number of leaving room didates that key pieces of information that form for human responded the core basis of an application error and to the SMS, offering an the overall extremely time consum- date and tenancy valida- application turnaround ing process. They began tion system through the time was on average looking for a solution use of steadfast API’s. 2.5 days quicker. Which that effortlessly automatAs a result, the Experi- in turn ensures that an team can work from ed this costly process. internal contact SLA’s one platform to conduct are met. This level of They found Oxygen 8. multiple activities, saving improved efficiency has valuable time, improvhad a dramatic impact on ing user experience and the teams productivity, increasing productivity. they are achieving more To further compliment and to a much higher the improved mobile standard data validation; the Thanks to Oxygen8’s Experian systems now messages solutions, have automated incontact agents are now built text messaging able to take advantage triggers to chase apof the built in prompts; plication information enabling them to follow from all relevant parties up on missing customer to ensure all SLA’s are information automatihit. An imperssive 40% cally. This has vastly imof candidates responded proved the quality of the within an hour of receiv- candidate data they can ing the automated SMS. now obtain. It’s much “It’s great having Oxy- more of an effective progen8 as a partner, the cess that the traditional, multi-channel technolmore manual, methods ogy solutions mean we of chasing outstanding can easily add further information, largely due functionality to our to the unprecedented existing systems with open rates SMS mesthe use of APIs as we saging generates, when grow our business,” says compared to other Tim Rooney, Commermarketing channels such cial Director, Experian as email. www.oxygen8.com Consumer Information Services.

Direct Operator Billing in Motion

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Rory Maguire takes a look at how charge to mobile is increasingly likely to be the go to method for spontaneous purchases and that publishers, content owners, ticketing companies and pretty much everyone else should sit up and take note

Watch out for payments A good colleague who has been in the payments business for many years Tweeted a few months ago “I have just paid for my coffee with my Apple Watch”– clearly proud of the joined up technology between the coffee shop, the watch, the phone, the mobile network, and the bank that enabled a spontaneous purchase to happen so smoothly. Just to dampen his moment of pride and creating a twist on what he had just said, I Tweeted back “My goodness, that was an expensive coffee!”. Joking aside though, the introduction of a seamless method of paying for a spontaneous purchase (without the need to carry cash) comes with enormous upsides that will enable the creation of new consumer products and services. As consumers are acquiring en masse, smart and portable technology they are also creating material changes to the way they access and consume on line services as well. A quiet revolution is occurring in the supply of online content and services to keep up with this mass consumer behaviour change. Digital publishers are changing strategies as their traditional model of free content, funded by

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advertising is suffering from reduced revenue as the available ad inventory shrinks on the smaller mobile screen. The use of a paywall is not a new concept to enable charging for content but existing payment methods fail to get conversion as asking for credit card details through a mobile screen is a sure way to kill a sale. Charge to Mobile is coming to the rescue. Traditional ticketing is also undergoing a digital revolution as consumers no longer want to buy tickets solely from devices connected to printers or from hard to reach ticket retailers and are welcoming spontaneous easy methods to purchase and redeem tickets without the need for paper or lengthy credit card registration. The digital ticket functionality currently exists on considered purchases such as flights and some trains and bus routes, but for spontaneous purchases for both travel and entertainment a supply revolution is underway. In the same way that a watch can create a seamless coffee purchasing experience (see the recent

Nat West adverts for how this can make consumers happy about their spending!), Charge to Mobile is behind both of the quiet revolutions occurring in digital publishing and ticketing. Charge to Mobile is a

seamless method of taking a decision to purchase by a consumer and completing that purchase with two simple steps. Agree to the purchase – step one, then agree that the charge can be applied to the mobile bill – step two. No credit card needed, no PINs and passwords needed and values can start at 10p

More news, views and analysis at www.TelemediaOnline.co.uk

and go to £30 in a single transaction. This is such a simple method for consumers to transact that the financial regulators in Brussels, carved out an exemption for Charge to Mobile transactions from

formal financial regulation. This recognises across Europe (through the guidance provided by AIME) that the potential for simple spontaneous purchases to be placed on to the mobile telecoms bill is significant for consumers and digital businesses . It also recognises that what

is good for the consumer of digital content is also good for consumption of ticketed services. Imagine the difference this will make when faced with a car park prepayment you currently have to find cash or call a number and relay your credit card details, security code and car registration number. Instead, a simple 2D barcode scan and your car reg details (or a photo) will charge this to your mobile account. Imagine also the consumers who do not have credit cards (approximately 26% of the adult population and 99% of under 18’s) and wish to jump the bus that has stopped taking cash. A simple browse to the bus service and the ticket is paid for via the two step agreement. Through the creative work of several AIME Members working on enabling Charge to Mobile for the providers of digital content and ticketed services, it will not be long before I can read specialist advice on a business issue, while riding the bus to the cinema and pay for all three without a credit card (or watch) transaction in sight! Rory Maguire is MD of AIME www.aimelink.org


Picture this One of the key places that charge to mobile could make a killing is in cinema: it’s a spontaneous purchase and results in a ticket. But why stop there? Using payments could just make cinema the first charge to mobile ecosystem. Paul Skeldon explains Cinema should be one of the key early adopters of mobile payments. It is often a spontaneous purchase decision; it is often researched and booked online; and is something that could clearly benefit from being dragged into the 21st century. And yet the only real mobile experience you get today at the cinema is a clunky version of the website to book a ticket – which needs a credit card – if you are lucky. Yet it could all be so different. I should be able to book and pay for my cinema experience on my handset using Apple Pay, PayPal or charge to mobile in one click. I can find the film. I can choose my seats. I should be able to pay – all with my phone. And I should be able to use my phone as the ticket. I should also be able to use my phone to get snacks and interact with trailers and even get a ride home. What cinema goers today actually want is a ticket on their mobile as the end point of the process of finding the film, at the cinema they want to see it, in the seats they want to sit in. The payment process is part of that, but to understand how mobile payments can shape the cinema experience you really need to understand the wider cinema experience. The key to this is in

using payments, as ever, to close the loop between mobile marketing and receiving ‘the goods’, which in this case is the cinema experience. Cinema related promotions such as vouchers for free admission and reductions on confectionary are increasingly being delivered via the mobile handset. The next step is to make the purchase – the actual payment – part of the click through from here. And as ever, charge to mobile could offer the ideal solution, since it is quick and easy to do and relatively low value. The process is then completed by the ticket being delivered to the handset, so users can jump the queue. You could even apply this to then pre-buying refreshments. In fact, the whole process is very much akin to the click-and-collect phenomenon that is sweeping the retail sector: the only difference is that you are collecting a slice of Hollywood (and possibly some nachos). All over the world, payment provider Boku already uses charge to mobile and its e-money licence as an option for low-cost convenience purchases for ticketing and for pay-ahead for a coffee as ‘a click-andcollect item.’ In fact, Boku estimates that 25% of click-and-

collect transactions come via the mobile – rather than from within an ecommerce environment – so there is a good fit with mobile payments, especially carrier billing. German cinema chain CinemaxX is starting to see how this can be replicated for the movies. It has partnered with payment app Yapital to let cinema goers buy their ticket and their refreshments using the Yapital app. The catch is that they have to use the app to scan a barcode at the cinema to initiate the process, and rather than being aimed at making the cinema going process better, it’s a sop to get people used to using mobile payments. “Big blockbusters regularly attract millions of spectators to cinemas. As

one of the largest operators of modern multiplex cinemas, CinemaxX is a crucial partner to help establish mobile payment with Yapital in people’s daily lives,” explains Karsten Cornelissen, Managing Director at Yapital. “It’s just so easy to pay for the ticket, snacks and drinks quickly, simply and safely with the one device that I have with me at all times - my smartphone.” While it is clear that consumers could benefit from making the process easier, there are benefits for the cinema chains too. Juniper Research analyst Nitin Bhas, whose report into mobile ticketing for transport and events/entertainment predicts that global m-ticketing will top 16 billion tickets in 2015 alone and could rise to 32 billion by 2019, believes

that: “Mobile ticketing solves key problems for facility operators whether in the transport or events markets. The ability to sell and deliver tickets through the mobile channel without the need for extra staff or real estate has a significant impact on operator profitability, especially as user numbers are continually increasing and need to be supported with minimal investment.” So what will make cinemas start to take this seriously? The obvious benefits of more tickets with lower staff costs is a clear boon, but changes in user habits and devices will be what makes this go. www.boku.com www.cinemax.de www.yapital.com

Direct Operator Billing in Motion

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Developing a complex There are a plethora of payment tools on mobile, but does innovation improve performance or lead to complexity? Masha Cilliers ponders what is on offer and what each brings to the world of e and m-commerce – and what charge to mobile is up against

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Not a month goes by without an announcement of another payment mechanism being launched either in Europe or in the US. Each country, however big or small, is working on developing standards, schemes and regulations to address rapidly growing ecommerce sales. But what does that mean for the retailers? Should they add every payment mechanism every time one is launched or should they wait until the said payment is firmly rooted in consumer behaviour? Let’s look closely at a range of different payment methods to consider how we might answer these questions.

ers as such. Basic level of international sales can be supported with acceptance of just cards, however, it has to be understood that in some countries consumers prefer to use other payment methods and if a retailer doesn’t incorporate them into the checkout page the conversion will suffer.

Bank transfers Some markets have launched a real-time bank transfer scheme, which allows the consumers to pay the retailers directly from their bank account whilst giving ‘authorisation-type’ confirmation to the retailers before they provide goods and services. The most widely used schemes are Ideal Cards (Netherlands), SofortuThere are domestic and berweisung (Germany), international cards in most European countries. Poli (Australia). In the UK, Vocalink has been Historically some of the working on launching domestic cards were proprietary brands (such Zapp which effectively does the same thing but as Switch, Carte Bleue, only via mobile app. Laser) but presently most of them have been cobranded with the main Wallets network brands Visa and The most known wallet globally is PayPal. But MasterCard and can be there are many other accepted by the retail-

More news, views and analysis at www.TelemediaOnline.co.uk

wallets that have been used for specific needs and within specific industries e.g. Skrill (Moneybookers) or Neteller. A couple of years ago both Visa and MasterCard have launched their versions of wallets V.me and Masterpass respectively. These are similar to PayPal as they store card information, but differ in that they do not carry cash balances, so they can be used for easy checkout at retailers. Prepaid Prepaid cards are predominately cobranded with the international payment systems and as such can be accepted as Cards above without any additional technical system. However, there are other prepaid schemes such as U-cash and PayPoint in the UK and various branded tokens (Xbox) whereby consumers can upload cash at retail locations and it effectively converts it to a token which can be used for purchases online. These are very useful for non- or under-banked and for the migrant com-

munity who otherwise would not have means for paying online. Mobile wallets Most recent innovation to make headlines is based on allowing payments via mobile phone by using the phones at the contactless acceptance locations. ApplePay was launched last month in the UK and it has already been running in the US for some time. Other providers such as Samsung, Android and Microsoft are not far behind. They use what is known as tokenisation technology allowing payment cards to be converted to a token which is then issued for each phone and stored in its secure element. No card details are shared during the transaction and the tokens are useless unless used by the phone to which they were registered. Importantly this payment method is also available online and within the app as such making it a consistent journey across the channels.


MPOS (Mobile ‘Point of Sale’ device) Whilst not a payment method in itself, it is worth mentioning that with the extent of the innovation in the mobile and tablet devices there are now a number of solutions allowing accepting cards via such a device. This is suitable for small retailers and for those that want to check out the consumers at various locations in the store rather than just at the tills.

a long time to earn consumers trust on a large scale. There are also technology limitations. For example most contactless terminals are programmed not to accept transactions over a certain value (£20 in the UK), although it should be possible to accept customer verified (e.g. Touch ID) transactions for any amounts. Consumers are still concerned about security when making payments online or over mobile. This gives advantage to Concerns established brands such Much research suggests as international card that whilst the consumers schemes and also banks. Interoperability can be don’t love their banks, a problem. Many new they trust them most payments are based on with their money and a new technology and payments. It will take each implementation is new comers, even those with well-known brands, different from another.

to the new benefits but often due to the positive marketing effect it carries. The reality is, many payment methods don’t make it to the finishing line: they don’t become mass payment products and have to be withdrawn. Or they merge with others and change shape which will require additional integration work. Thus those retailers who have worked Retailer strategies hard to support such payIntegrating each new payment instrument or ments early on may feel disappointed. an acceptance method But waiting to see the can be costly and more importantly requires a big maturity of a payment commitment from techni- method may mean that you are missing out on cal resources that may be more urgently needed its current benefits. For example, mobile payelsewhere. ments via premium SMS Some retailers do have not taken off in a choose to embrace the large way, however, in innovation partly due

Also, large players (e.g. Apple) enforce their own standard whilst not being the same as others. That means more different interfaces for the customer and more integrations for reatailers. Finally rules and regulations regarding issuance and acceptance of payment mechanisms are getting stricter and are not always very clear.

the early 2000s some digital content providers embraced it and have sold their products to a much wider consumer segment that they would otherwise have been able to target with card acceptance only. There is also a wave of new payment service providers who can make it easy to integrate new features and take this burden partially away from the retailers. In summary, retailers should consider not just the hype but also the tangible benefits each new payment method may bring them before deciding whether to ‘jump’ or wait. Masha Cilliers is a payments and e-commer consultant

Direct Operator Billing in Motion

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PUBLISHING

Mobile messaging: here to save the publishing industry? Publishers need to engage consumers through digital – and they need to make money from them. But how do they do that? Could mobile and, in particular, Payforit m-payments hold the key? Juan Ageitos thinks it might just be The steady decline of the publishing industry has been well documented over the past few years. The rise of the internet, mobile and social media have created an environment where people want news and content at all times, but are more reluctant to pay for it. And, as more eyeballs shift towards digital technologies, advertising revenues for traditional publishers has dwindled. While some publishers such as Buzzfeed, Gawker and Huffington Post have thrived in the new business environment, many others have struggled to embrace technology and grow their readerships. The customer disconnect Overlooking the issue of declining revenue from advertising or sales for a moment, one of the biggest challenges the publishing industry faces is the disconnect they have with their customers. Most end users of the more traditional publishers buy their daily newspaper from the local store, or buy hard copies of their books from their favourite retailers. Even though many customers are fiercely loyal towards publishers, particularly in the case of newspapers and magazines, it’s the retailers and shopkeepers who hold the relationships with the customers, not the publishers. So how do publishers go about forging meaningful relationships with their customers? Mobile messaging is the key.

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Mobile, the key to engagement The important first step for publishers is getting to know their customers directly. But the challenge is customers don’t want to be part of the digital publishing revolution. For them the physical product is part of the appeal and as such they don’t wish to communicate with publishers via email or be pushed down the route of a digital subscription. However, that’s not to say you can’t use digital devices or mobiles to get to know them. SMS is the ideal way to engage with these customers on mobile, as it is quick, effective, and more personal than email. Using SMS to get to know your customers has valuable implications for publishers. It not only gives them a way to communicate directly with their customers, it increases engagement and reduces acquisition costs. Getting the customer’s details The key is obtaining their numbers is to provide a genuine value or incentive for your customers to give you their personal data. Think about providing a special offer or competition for your customers. For example, you could run a special promotion for your customers, where if they text a short code they can receive a free product or service. You could take this concept even further, and give your customers an incentive to share the promotion with their friends. The classic example of this

is Uber, when you share your Uber promo code with a friend and they sign up, you get £10 off. Similarly, you could run a competition to give away a major prize where the entry mechanism consists of entering the draw by sending your details via SMS. Payforit holds the key Embracing mobile doesn’t need to be a push towards digital publications. Publishers must embrace mobile to improve their customer experience, particularly when it comes to acquiring new subscribers. Lets face it, the user experience of subscribing to a newspaper or magazine is not great. Customers either have to use a coupon that’s always too small to fill in all the details, or they have to go online, which is something they were trying to avoid in the first place. The process of paying, especially using offline methods, is quite daunting too. Not many people feel comfortable mailing in a piece that has your credit card details on it. Publishers can adopt services such as Payforit to make the payment and subscription process much quicker and easier, to overcome these payment and subscription barriers. With Payforit, it becomes possible for a publisher to set up a subscription service where a person could SMS their address, and their desired subscription to a short code, and that would be it. The customer gets their publication

More news, views and analysis at www.TelemediaOnline.co.uk

with just a few taps, and it is charged to their mobile phone bill at the end of the month. Much quicker and simpler than signing up using a computer. For the publishers, it creates a simple and painless process for customers to engage with publishers, streamlines the process and decreases the acquisition costs for new subscriptions. And given most people carry their phones with them all the time, the window publishers have to acquire new customers would grow exponentially. Our research has shown that 46% of users would be more likely to purchase products or services on their mobile if they didn’t have to provide card or address details and could instead pay in two clicks. With the publishing industry looking for new ways at recapturing its user base and establishing direct relationships with its customers, mobile messaging must play a vital role. With a high open rate and ability to resonate with audiences regardless of their their technical savvy, mobile messaging perfect tool to improve customer experience and relationships. And, with the broader adoption of Payforit, mobile messaging has the potential to dramatically improve the customer acquisition and retention process. It could even be the industry’s saviour. Juan Ageitos is Senior Marketing Manager, mGage www.mgage.com


PUBLISHING

Read all about it Print media needs a sure fire way of monetising digital, but could they already be sitting on a way to make payments for snackable content really easy. Rob Weisz explains Reading the paper over a boiled egg in the morning or sitting down to watch the TV with the family of a Saturday night was once the norm. These days, with media running across a host of digital and physical channels, and choice of content – not to mention a bewildering array of content providers, being a media consumer has never been so rich. But this richness for the consumer has left many media companies poorer. The internet may have democratised access to information, but that has seen what was once paid for become free to the end user. And this has cost many media companies dearly – whether they be traditional ‘inkies’ or TV, as well as newer entrants such as satellite and cable providers. So what can they do to put it right? Paywalls? Subscriptions? In-App purchasing? Online and mobile ads? All these things are potential ways for media companies to try and gather revenues. The one thing they can’t do is nothing. To date, for media companies the answer has largely been to use paywalls. But the jury is out as to how effective, long term and acting alone a paywall can be. When the New York Times installed a paywall, there was much doubt in the industry as to how

successful it would be. However, it has been something of a success. Asking people to take out a paid subscription to view content has paid off, with 727,000 subscribers reported in the first quarter – earning the publisher more than its online advertising. While digital ads brought in $32.9 million, the paywall raised a $37.7 million in 2013. Paywalls clearly have a place, but making the payment of the paywall – or for instant access to bits of content without one – is going to be key to getting the people to pay for content. It has to be quick and easy and seamless. Filling in credit card details and entering personal information isn’t going to cut it: the user wants the content instantly not after a lot of thumb work, especially on a small device. But could the answer be right under the noses of many of these media companies? Many newspapers have long used charge to mobile services – or PRS as its was once called – to charge consumers for all sorts of phone based services. These services are designed for micropayments, for quick snacks of entertainment and put the charge for doing so on the consumers phone bill. This chimes beautifully with models that print media companies are trying to exploit to get

consumers to pay small amounts of money for small bites of content. Television companies face similar challenges: how to make money from a more pay as you go kind of content consumption. Ad revenues on all but the main channels are being hit hard, yet online advertising can’t make up the shortfall. Charging for content, as in the newspaper world, seems the obvious answer, but is there a thirst among consumers for a pay-as-you-go model for TV content? Sky’s launch of NowTV back in 2012 aims to tap into this, but will it be able to persuade users to part with small increments of cash for content: content more over that was more typically found online for free. Many analysts expressed concern that Sky’s NowTV launch would cannibalise its existing pay-per-service model, and would shift the company towards a more a la carte pricing model. This hasn’t happened as of yet, but it has shown how there is a shift it consumer taste and demands. And it won’t just be Sky that has this problem: it will affect all commercial TV companies as they look to keep up with where consumer eyeballs are and what that means for their ad revenues.

Again, TV companies already use the technologies that could well help them serve a more snacking, pay-as-you-go TV content viewing model. Many already use voice shortcodes and have, in the past, used premium SMS for voting services, the market for snackable instant content could be best served by technology that they already have familiarity with and, in some cases are already using elsewhere in their business already. And why stop there with ‘traditional’ media? The likes of Netflix and even Spotify could well capitalise on charge to mobile as an instant payment tool. With more films being watched on tablets and phones, and with Spotify needing to take on Apple Radio head on, having access to a payment technology that can allow for instant microbilling could well be the way to make entertainment make some money. Rob Weisz is CEO at Fonix www.fonix.com

Making interactive communications pay

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PUBLISHING

Your content; everywhere Media wants – needs – to make digital work and make money, but how can publishers do this in practice? Paul Skeldon shows how one platform aims to do just that We live in a digital world and publishers, more than anyone, know what this means for business. On the one hand, digital can make their content reach far more people and can be richer and way more trackable. On the other, however, it is difficult to ‘go digital’ properly and, often, the ROI is unclear. But it needn’t be that difficult. The problem, for publishers without deep pockets, is how to get from the traditional way of creating a paper product to a fully digital offering that can be seen by consumers on an ever-widening range of devices. Traditionally, this has meant creating many different versions of the ‘product’ and putting them in their respective channels. While, much of this revolves around mobile, and the advent of adaptive and responsive design has gone some way to making sure that publishers can create their magazines on other devices, but its not the best way for mid-tier publishers to achieve digital nirvana. What makes digital publishing interesting is that it offers unparalleled levels of tracking. You can know exactly what anyone does with your con-

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tent – something you can never really do with print media on its own – and this is where digital makes a big difference to publishers and why its so imperative to get it right: it is where the ROI and indeed the growth is. So how do you go about making this happen, especially on a budget and without having to employ reams of new staff or buying expensive new kit? Safari Mobile (UK) might just have the answer. Its Digitfi.it platform is designed to let publishers turn their print content into digital, for consumption across a broad range of devices easily and effectively – without vastly increasing workload and

without breaking the bank. “Digital media means your content, everywhere,” says Garry Pattenden, Commercial Director Safari Mobile (UK), which has rolled out a solution that allows publishers to “create once and publish it everywhere. The key is that it takes the content in once and you can then purpose it for all sorts of devices with all manner of add ons – extra content, interactive features, video and more – relatively easily and cost effectively.” Safari’s digifi.it platform is a set of complex APIs that turn one lot of content from publishing tools such as InDesign or Quark Express into digital versions for any device or channel

More news, views and analysis at www.TelemediaOnline.co.uk

that you want to reach. “It’s a bit like Google translate in a way,” says Pattenden. “you put the content in and tell it to translate it into ‘every language’ and it does it – it translates html5 into apps, web, social, mobile and print.” This clearly has advantages for many publishers, offering a relatively simple way to make their content digital in the first case. Of course, there is more to digital than just ‘digitising’ print content – important as this first step is – in reality, digital versions need to take the print version further. Digital allows for the addition of deeper and richer content and can often tie together all the many ‘multimedia’ offerings many publishers


have siloed across their sites. Many have video, webinars, podcasts and more: digital allows this to be put together with the written content to offer a fuller experience for the reader. Analytics Going digital is a must for all publishers, not least because they have to be wherever their readers are, to offer a service and to place their advertisers wares in front of the right audience in the right way. And this is where digital comes into its own. It is so easy to see who is reading what, and where they are reading it – not just where in terms of device, but also in terms of actual geolocation. “Digifi.it goes way beyond what Google Analytics offers,” explains Pattenden. “We can look into web pages, apps, mobile sites and see not only who is looking at what, but what they dwell on, what they skip, what they then go an do – and much more.” This all paints a picture of the audience and what they do, but can also drill down and segment out groups and, in theory, even profile individuals and what they are doing. ``Our tools let you profile the

audience, groups and even individuals and more importantly allows you to retarget them based on what they have done in the past few weeks,” says Pattenden. “And you don’t have to be a statistics graduate to do it either. The sales manager can do it and deliver meaningful,

And it works This isn’t just theory anymore, this is something that publishers can actually benefit from right now. Digifi.it client, The Watch Finder successfully digitised its content and saw conversions up by 28% resulting in an increase in revenue of £300,000 in ten

Digital versions need to take the print version further: digital allows for the deeper and richer content and can tie together all the ‘multimedia’ offerings publishers have in siloes across their sites real time data to his publisher to help shape strategy on the fly.” It also provides a much better way to bring in advertisers. In the days of pure print, the publisher sold them an audience that were, by virtue of the fact they’re reading the magazine; they might be interested in a certain “type” of advertising. In the digital world – and with tools such as Digifi.it – the publisher can show the advertiser exactly who is interested in what and provide a much more targeted and valuable audience to each advertiser. This is how it pays for itself and this is how to monetise digital publishing: the data is the key.

months. Ergonomist publisher Grove House Publishing is another typical example of an old school publisher that needed to go digital, but didn’t know where to start. “The company was paper based for years and published magazines that were typically tucked into a farmer’s back pocket. But with a younger generation entering the business, the company needed to become more digital and social,” says Pattenden. “But they didn’t know where to turn and feared that to go digital would cost a lot of money – with no clear idea of whether there would be an ROI or not – and may involve totally rethinking all their working practices.”

It is early days for Grove House, it is currently just rendering its publications as digital, but eventually it too will start to add more content and make it more interactive and rich. And in time the paper publication – which will still be great for getting information out there and for throwing in the back of a tractor – will act as a teaser or lead in for the richer digital version where the readers can drill deeper into the content they need to know more about. This will also feed into how the company sells its advertising space: offering advertisers totally targeted ads at the people who want to see them. This is the win for the publisher. Digital makes for a better product, but it also can deliver better value for money for more advertisers. This is the ROI. This is why this is so important. What are you waiting for? To see digifi.it in action and to get your interactive digital copy of Telemedia magazine search Telemedia Magazine on your App Store

Making interactive communications pay

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More news, views and analysis at www.TelemediaOnline.co.uk

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Making interactive communications pay

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Number cruncher

Each issue we take a look at some of the interesting stats floating around in the telemedia space and associated areas to get a snap shot of what is going on out there. This month we take a look at four key telemedia markets and how they are fairing according to the PPP/Mobile Squared industry report. From the top: Charity donations; TV and Radio interaction; Games and app purchases on mobile bill; and Dating and flirting services.

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More news, views and analysis at www.TelemediaOnline.co.uk


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