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Brands must 'get personal' to stand out from the crowd

Marketers need to focus on the individual in order to grow a rival client base, round-table speakers agree.

Businesses who use a scattergun approach to marketing are set to lose out to those who harness the power of individuals,Unique Sphere Showing Uncommon Variation according to a panel of marketing experts at a round table debate in Glasgow.
 
The development and growth of the internet has created unlimited opportunities for businesses to target new customers but brands must filter this down to the individual to avoid being lost in the crowd.
 
Lawrence Jones, founder and CEO of hosting and colocation firm UKFast, said: “We’ve had a privileged position at the heart of the internet watching how it has grown over the past 15 years. The opportunities for brands to reach their target market are infinite now. The internet is expanding every day, but it’s important to distil that down. The web has created so many awesome prospects, it’s mind-blowing. How any business can ignore them is beyond me.”

Alistair Macneil, managing director at Healthy Websites, is a firm believer of using social media to gain this personal edge.
 
Macneil said: “When you are using something like Facebook, you can actually specifically target the ads to your profile customer. You’re always happy to take a call from someone when it’s something you are interested in and social media is a great way of providing that personal touch to potential clients.

“When you get to that personal design touch – that’s when it starts to become really effective.”
 
However, it’s not only social platforms that provide opportunities for brands to get personal. Stephanie Roxburgh, managing director of Database Direct, argues it can be implemented across all traditional marketing channels too.
 
Roxburgh said: “When you create a targeted piece of mail, whether it’s direct or digital, the response rate is significantly higher if it’s personalised.

“Any element of marketing where there is the ability to filter, we need to filter better – who we send to, what message we send and when we send it. The message needs to be tailored to get a better response.”
 
Matthew Whiteford, managing director at Higher Than Digital Marketing, believes there is great power in SEO when it comes to transferring key messages across to clients.
 
He said: “Companies need to realise how important SEO is and how important it is to shape your key messages to your clients. Right now, SEO is just as important as ever.”
 
The marketing experts gathered at a round table debate held by hosting and colocation firm UKFast in its Glasgow office.
 
Here are their top tips for targeting lead generation:
 

  • Capture leads through building new pages and promoting these pages through social media.
  • Learn who your customers are and how they want to communicate with you.
  • Don’t forget about the marketing mix.
  • In 2014, content is still king. We’re calling it education based marketing now. Think long term about your content and what it is you want to present to your potential customers.

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In the News UK

‘Stop now’ order to Glasgow marketing company over nuisance calls

The UK Information Commissioner’s Office (ICO) has ordered a marketing company based in Glasgow to stop bombarding the public with nuisance ico_blue_flex_logomarketing calls.

DC Marketing Limited made the calls to try to get people to purchase solar panels partly financed by the Green Deal Home Improvement Fund. An ICO investigation found the company also frequently gave a false name to avoid detection.

It is against UK law for a company to make marketing calls to an individual who has opted out of receiving them by registering with the Telephone Preference Service (TPS) or informing the company directly. It is also against the law for a company to give out false information in an attempt to avoid detection.

The ICO became aware that DC Marketing Limited was still contacting individuals who had asked not to be contacted after 280 reports were made to the TPS and the ICO from angry members of the public.

ICO Assistant Commissioner for Scotland, Ken Macdonald, said: “The law is clear. Companies must not contact individuals who have asked not to be called. DC Marketing Limited failed to respect people’s wishes and even lied in order to try and avoid detection.

“They have now been punished for their actions and served with an enforcement notice ordering them to stop making nuisance calls. If the company breaches the notice, then it will be treated as a criminal offence.”

The ICO has published detailed guidance for companies carrying out marketing explaining their legal requirements under the Data Protection Act and the Privacy and Electronic Communications Regulations. The guidance covers the circumstances in which organisations are able to carry out marketing over the phone, by text, by email, by post or by fax.

The ICO is also continuing to work with the government, OFCOM, the telecommunications industry and consumer groups, including Which?, to tackle the problem of nuisance calls. Further information about this work can be found on the ‘What action have we taken?’ section of the ICO website.

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Oslo campaign: Secret surveillance cameras film taxi passengers’ emotions

Ever wondered if you’re being watched by more than the driver while sitting in the back of a taxi?

A cab in Oslo, Norway, has been fitted out with hidden CCTV cameras, hooked up to facial recognition software, to record passengers as part of a digital experience for new online gaming company, Casumo.

Casumo’s mission is to erase boredom and make people smile. ‘Cab Cam’ secretly monitors expressions to calculate how happy the customer is, then surprises them with a refund for the boring part of their journey.Casumo_cab_screen_grab_1

The punter only pays for the part of the ride that cameras see of them looking happy. Further putting the fun back into taxi journeys, Casumo then gives passengers the balance of the fare as a cash-back code to redeem on Casumo.com

The Nordics-focused campaign kicks off in Oslo, and is the brainchild of Stockholm and Amsterdam-based digital agency, Perfect Fools. From yesterday (June 11), three cameras in a regular Oslo cab feed into a 4G-connected computer and printer. During a journey the emotional state of the unaware passenger is monitored while real-time software calculates the cost based on how bored they look during the ride.

At destination the passenger receives a receipt featuring their photograph, what percentage of their ride was dull, a bill for the ‘joyful’ part of the journey, and a code to redeem the ‘boredom saving’ on Casumo.com.

The print-out also asks the passenger if their photo and emotional journey details can be published on a campaign website.

The site will feature a heat map of the taxi’s journey, colour coded to identify the most boring parts of the city. Passengers’ own experiences will be shown online alongside statistics and details of the technology used.

John Harmander, chief marketing officer at Casumo, said: “Casumo is an award-winning, mind-blowing gaming experience; a storytelling platform that interacts with users and rewards them for participating, not just for playing. Casumo differs from other gaming sites because it takes the user on a journey fuelled by storytelling, engagement and rewards.

“Players are encouraged to have more fun. The boredom ride goes in line with the Casumo mission to erase boredom on all levels. Also in the physical world, Casumo is more than a casino. We are an entertainment machine, and we just got started.”

Tony Högqvist, creative partner at Perfect Fools, said: “Taxi journeys are dull so we will analyse the level of boredom and fight it with the Casumo antidote. Our main call to action is to erase boredom, adopt a Casumo.”

The campaign is one of a series of executions to support the global rollout of Casumo’s multiplatform games, which include classic casino and slot machine games such as blackjack and roulette, alongside quirky experiences featuring wizards, ghosts, pirates, nursery rhyme and even South Park characters, pretty much anything a gambler would like to play casino on.

Casumo differs from other gaming sites because it takes the user on a journey fuelled by storytelling, engagement and rewards. Players are encouraged to adopt a Casumo character and nurture it in the spirit of looking after a tamagotchi. Caring for a Casumo is rewarded with trophies and free bets.

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Lifetime achievement award for data stars Dunn and Humby

Two of the data world’s biggest stars are to be recognised for their outstanding contribution to the profession,dunnhumby

Edwina Dunn and Clive Humby – founders of DunnHumby, the firm that ‘wrote the book’ on supermarket loyalty, now a blueprint for ‘Big Data’ success – are to receive the Professor Derek Holder Lifetime Achievement Award at the IQ Talent Awards on June 18.

Edwina and Clive founded DunnHumby in 1999 and sold it to Tesco in 2011, having developed its world famous Clubcard programme during that time. Under their leadership, DunnHumby grew to more than 1,500 staff working across around 30 countries, ‘touching’ more than 350million consumers globally.

They enabled major brands to engage more meaningfully with their customers and delivered much greater understanding of their audiences. Their new commercial models helped many leading retailers build and drive enormous value from major data assets.

The Second IQ Talent Awards organised by DataIQ, are in association with the Institute of Direct and Digital Marketing (IDM) with all profits going to the IDM Charitable Trust to encourage more numerate graduates into the fast growing world of Big Data. The DataIQ programme of publications, events, research and online aims to meet the need for help, advice and insight from business professionals on all matters data, technology, analytics and governance. Launched in 2011, it now supports a community of more than 4,300 data-driven business professionals from most leading brands.

DataIQ CEO Adrian Gregory said: “Big Data really is big box office and Edwina and Clive are truly A-list stars of the show. Much is being made of how organisations are transforming business performance from the intelligent use of data. It’s really the people behind the scenes making sense of data who are making the difference. I can think of no-one who has made a bigger contribution to the world of data than Edwina and Clive.

“We are delighted they are accepting this important lifetime achievement award in honour of the late Professor Derek Holder, founder of the IDM.”

IDM CEO, Mike Cornwell F IDM added: “At the IDM, we truly believe that excellence and expertise should be publicly recognised, which is why we’re thrilled to support the IQ Talent Awards and to learn that true luminaries of the data world are to be honoured with the coveted Derek Holder Lifetime Achievement Award.”

The IQ Talent Awards gala dinner on board a luxury Thames Liner on June 18 are nearly sold out. A number of premium places on the boat have been reserved for friends of Clive and Edwina so they can join the celebration at close hand. To reserve one of these premium places, click here. http://www.dataiq.co.uk/talent2014/tickets and enter the code priorityvip

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Report: 24% of top 100 UK retailers have not optimised for mobile today

With mcommerce now 12% of overall ecommerce sales in the US and 5% in the UK, UK retailers need to improve mobile website optimisation with anshopsavvy-app1 emphasis on conversion-driven design to increase revenue

Skava, a major provider of digital commerce, digital marketing, and digital in-store technologies to brands including Staples, GAP and Banana Republic, has announced the results of its annual ‘UK Retailer Mobile Optimisation’ report. The report indicates that despite the surge in mobile traffic, which now accounts for nearly 20% of all e-commerce traffic, a quarter of the top 100 UK retailers have yet to optimise their e-commerce websites for mobile devices.

Although, this is a 26% increase on the 50% of UK retailers who had optimised for mobile by March 2013, UK retailers still lag behind the US, where 100% of the top US retailers have optimised. To view last year’s report, click here. 

According to eMarketer’s latest forecasts , worldwide business-to-consumer (B2C) ecommerce sales will increase by 20.1% in 2014, reaching $1.500trillion.

In the US, 12% of overall ecommerce revenue is now made up of mcommerce sales, according to BI Intelligence.

The major UK mobile retailer Argos received £400m in mcommerce sales, accounting for 10% of their overall online sales. However, on average the top 20 UK retailers have 5% of revenue coming from mcommerce according to the 2013 Internet Retailer Global Mobile 500.

Arish Ali, Skava CEO and co-founder, said: “In Europe, some retailers are still arguing the importance of mobile as a significant source of revenue, yet leading UK retailer Argos generated £400 million in mccomerce last year, accounting for 10% of overall ecommerce revenue. The increase in ecommerce revenue overall is masking the loss of revenue through poorly converting mobile websites.

“Simply creating a mobile website is no longer efficient, but retailers must build mobile optimised websites with a conversion-first approach. The launch of a mobile website is not the end of a retailer’s mobile strategy, but just the beginning. Like e-commerce websites before them, they require constant updates based on analysis of user behaviour to create a seamless shopping experience.”

In the 2013 Mobile 500 report published by Internet Retailer, only 20 UK retailers made the list. But these leading UK retailers saw an average of 2% on mobile compared to 4.3% on desktop.

“Mobile is the fastest growing sector of ecommerce, yet our data shows that retailers have still to adapt to the changing landscape,” added Paul Morrison, UK country manager, Skava. “Mcommerce has increased 78% in the last year and the innovative retailers which have moved beyond their first-generation Œstatic site scraped’ to a conversion-driven design are reaping the rewards.”

To highlight the financial implications for retailer’s not optimising their websites for mobile, Skava developed the SkavaONE Calculator. By using a retailer’s average order value (AOV), traffic and conversion rates from all platforms, the SkavaONE Calculator rapidly informs retail executives on the serious long-term financial implications for retailers with under-performing mobile commerce experiences.

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Marketers split on ambush marketing ahead of World Cup kick off

Carlsberg has set the standard for this year’s FIFA World Cup adverts with the most memorable advert from South Africa 2010, according to research byWorld Cup marketing, digital and communications recruiter, EMR.

More than one in four (26%) marketing professionals polled by EMR picked out Carlsberg’s ‘Probably the best team talk in the world’ campaign as making the biggest lasting impression, ahead of Nike’s TV campaign (18%) and Bavaria Beer’s ambush stunt (17%).

Both Carlsberg and Nike opted for high profile tie-ins with sporting icons in 2010. Carlsberg’s advert featured English greats Jack Charlton, Trevor Brooking and Stuart Pearce, while Nike’s ‘Write the Future’ campaign employed modern-day stars including Wayne Rooney and Cristiano Ronaldo.

In contrast, Bavaria – a non-FIFA affiliated Dutch brand of beer – ambushed the Holland vs. Denmark game with a cohort of 36 women who were pictured in the stands wearing short orange dresses carrying its logo: a stunt that fuelled the debate about the rules on ambush marketing to this day, as unofficial sponsors are prohibited from advertising in FIFA venues.

EMR’s research shows marketers are divided on the subject in the build-up to the 2014 tournament: 32% feel ambush marketing should be subject to stricter regulations while 33% feel the opposite, with the remainder unsure.

Just 4% voted official sponsor Budweiser’s ‘Bud House & Bud United’ campaign as the most memorable from 2010, with Bavaria’s stunt also having made more long-term impact than efforts by Pepsi, Coca-Cola (both 13%) and Adidas (10%).

Sportswear giants benefit most from World Cup sponsorship

More than one in four (28%) marketing professionals identified Nike as the brand which benefits the most from its association with the World Cup.

Rival sports manufacturer Adidas was placed second with 19% of the vote, having signed up for the next four tournaments until 2030.

With almost half (47%) of marketers picking out one of the two sportswear giants as enjoying the greatest brand benefits, the results suggest that brands with sponsorships which closely match their business focus have the best chance of standing out.

Coca-Cola and Visa were tied for third place on 14% with both having also extended their sponsorship commitments until the 2022 World Cup in Qatar.

Tournament expected to enhance Brazil’s reputation

Almost half (49%) of marketing professionals predict that the 2014 World Cup will have a positive impact on Brazil’s international reputation. Despite political and social unrest in the build-up to the event, this is twice as many as the 24% who feel Brazil’s reputation will suffer from hosting the tournament.

More than half (51%) believe Brazil’s tourist industry will grow as a result of the World Cup, while nearly a quarter (22%) forecast a rise in international business with Brazil.

One in ten (11%) expect the World Cup will result in more overseas investment in the country, while 7% predict a surge in migration and job relocation.

Simon Bassett, managing director of EMR – which has offices in Leeds, London, Moscow, São Paulo and Singapore – said: “The World Cup will see many of the world’s most recognised brands competing for the attention of a truly global audience. The mix of high drama, national pride and multi-million pound reputations makes the tournament a genuine theatre for marketing excellence.

“Competition is not limited to the pitch, with a galaxy of sponsors joining the host nation in the limelight. Our findings suggest the ultimate prize awaits those brands who can best marry strategic creative concept with memorable execution.

“The 2010 controversy over ambush marketing showed how original thinking and opportunism can also help to make an impact. But, given how challenging it is to stand out in this hugely competitive environment, it is no surprise to see opinion so evenly split about the rights and wrongs of sidestepping the rules governing big-budget sponsorship deals.”

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Ageing UK: Experian reveals insight into modern British pensioner

Retirees look to market towns and larger villages for a quiet but more cosmopolitan life.

As the ageing population rapidly increases in the UK, new and divergent groups of retirees are emerging, displaying a range of new traits such as wider internet adoption and changing property preferences, according to the latest analysis from Experian’s new Mosaic people classification. This trend will have a wide impact on a range of services, on the high street, the housing market and local authority planning.

Research has highlighted the growth of two new groups of older people – Village Retirement and Diamond Days, who have grown apart from the two more classic groups of Senior Security and Vintage Value. Recent figures from the ONS have highlighted the growth in the older population of the UK, showing that one in six people (16.4 per cent) in England and Wales was aged 65+ in 2011, with the number of over 90s growing from 340,000 in 2001 to 430,000 in 2011 – findings that emphasise the increasing diversity of elderly lifestyle and experience in the UK.

Rise of the Senior Market Town Retirees

Characterised mainly by the Mosaic Type Village Retirement,  Experian has identified a group of people dubbed Smarties:  traditionally couples and singles aged 65-plus, who have chosen to move to market towns for retirement. They now live in village locations, within thriving communities that are large enough to give them access to the local amenities they require for their everyday living and social needs. Characteristics of this group include:

  • Good health, higher pensions and savings, and more active than most pensioners of a similar age
  • Having been well-educated and enjoying long careers in higher managerial and professional positions, Village Retirement are comfortably-off with no outstanding mortgage and average household incomes of up to £29,000
  • High consumption of goods and services compared to their less-affluent peers
  • Prefer to shop in more upmarket supermarkets that prioritise provenance and quality over price
  • There are around 800,000 people within this this group living in the UK
  • Have downsized from family homes to spacious three or four bedroom properties
  • More likely to own a computer for internet access compared to other people of similar age

Top 10 towns for Village Retirement

  • Evesham
  • Dorchester
  • Yeovil
  • Cirencester
  • Kendal
  • Salisbury
  • Banbury
  • Bury St Edmunds
  • Stratford-upon-Avon
  • Bangor (Gwynedd)

Nigel Wilson, managing director of Consumer Insights & Targeting at Experian Marketing Services, UK&I, said: “Smarties – made up largely of our group Village Retirement – are a distinct type that are part of a rising trend of better-off retirees who, instead of staying in the family home or moving to the coast as they might have done in the past, are downsizing, freeing up assets and starting new lives in attractive towns and small cities across the UK.

”These types have a distinct set of needs with regard to a wide range of issues – downsizing house size and shopping for different groceries, normally from higher end convenient supermarkets that use smaller ‘local’ stores, being two examples. Preferences held by these groups will shape the areas in which they settle, with the desire to downsize likely to impact younger groups moving up the property ladder, and shopping preferences shaping the local high street.”

Older, happier, more comfortable

The second new type identified by Experian is Diamond Days: retirees who have stepped down from high earning roles to enjoy a comfortable retirement in large, mortgage-free houses that were once home to their families. Other key features of this group include:

  • Affluent, older retired couples, no longer financially responsible for younger generations
  • High disposable income, desirable four or five bedroom homes, travel widely and clustered in the South East of England
  • A smaller group; there are around 520,000 people within this type in the UK More likely to use a tablet compared to others of a similar age

Top 10 towns for Diamond Days

  • Epsom
  • Maidenhead
  • Guildford
  • High Wycombe
  • Farnham
  • Woking
  • Redhill
  • St Albans
  • Camberley
  • Orpington

Decline of the ‘average’ British pensioner – a snapshot of elderly diversity A further two types have grown out of larger groups identified by Experian that coincide more closely with previous views of the older population. Broadly, these groups are split between those who have retired with a reasonable nest egg and a pension to rely on, to those whose finances may be more strained:

Senior Security:

  • Senior Security are elderly singles and couples who are still living independently in comfortable homes that they own, and have often chosen to retire to the seaside
  • Considerable equity in property – many own their homes outright and have chosen to remain in family homes after the children have left
  • Top locations include: Bournemouth (Boscombe), Eastbourne, Hempstead Valley, Worthing and Bognor Regis

Vintage Value:

  • Elderly people who mostly live alone, either in social or private housing, often built with the elderly in mind
  •  Levels of independence vary, but with health needs growing and incomes declining, many requiring an increasing amount of support
  • Top locations include: Sunderland, Chester-le-Street, Washington, Motherwell and Merthyr Tydfil

Wilson added: “Our research has found that these emerging groups within the older age bracket have distinct tastes and needs in terms of housing and product preferences which stand apart from previously held generalisations regarding older groups within the UK. As the older population of this country increases it will become more important than ever before for organisations that want to reach this age bracket – be they retailers or local councils – to understand them and ensure that they are seen not as one identical group, but as a section of the population with a broad range of varied interests and lifestyles.”

Experian unveiled a new version of Mosaic in April 2014, which offers new insight into demographic shifts in the population of the UK. Modelled using the latest Census data, Mosaic offers insight into households, living patterns and the shape of UK cities.

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DHL relocates giraffe to its new home in Israel

It’s not just post and parcels that DHL Global is good at, as a 16-month-old male giraffe called Jengo (pictured) can verify.

He was safely transported more than 3,000km to a new home, thanks to DHL Global Forwarding, which assisted in the relocation from Liege, Belgium,Giraffe to the Ramat Gan Safari in Tel Aviv, Israel.

Jengo was moved via DHL’s international cargo network and arrived safe and healthy in Tel Aviv on Thursday May 22. He will join his respective new herd at the Zoological Center Tel Aviv for a breeding program.

Rafi Rozalis, CEO DHL Global Forwarding Israel, said: “We are committed to supporting conservation and environmental causes around the world. Jengo’s journey is a further opportunity for this and we are glad to have helped Ramat Gan Safari in their mission. Having in mind the requirements for transporting the tallest terrestrial animal on earth, it also gives us the chance to show that we can handle even the most unusual cargo transport.”

In co-operation with Ramat Gan Safari, DHL used a special crate (pictured)  for the transportation of Jengo. The giraffe was flown on a Boeing 747-400 cargo aircraft operated by the Israeli airline El Al and was accompanied by a team of animal keepers and veterinary physicians to secure health and safety at all times. Besides the safety team, the aircraft also took along a daily amount of food supply, weighing approximately 100 kilograms.dhl-giraffentransport

Jengo will join a herd of seven giraffes for a breeding program at Ramat Gan Safari. Giraffes are classified as ‘Least Concern’ by the International Union for Conservation of Nature, although some subspecies are classified as endangered. The Ramat Gan Safari takes care of the largest collection of wildlife in the Middle East. Besides the safari area, visitors have also access to a modern outdoor zoo.

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Testing begins on customer insight tool

Business Intelligence specialist IT Performs (ITP) is looking for digital marketing teams to take part in trials for a new customer insight tool which can predict the lifetime value of customers.

In association with SAP’s Co-innovation Lab and HANA Partner Engineering teams, IT Performs will be starting beta-tests for Kairos, a breakthrough Customer Value Analytics Platform this summer.

Designed specifically for marketers looking to enhance and evaluate their digital strategies, the cloud-based software will collect and automatically analyse multiple sources of customer-related data, in real time. By predicting the lifetime value of each customer, Kairos offers unprecedented genuine insight into customer behaviour that will help clients understand their customers’ needs so they can offer more relevant products and services, making them more competitive and profitable.

Glen Westlake (pictured), co-creator of Kairos, said: “Using Kairos, our clients will get a simple analytics platform to help track customer value over time using best practice profit and loyalty models. These can be used to influence the focus and level of investments into marketing and customer service and predict the impact on different customer segments. Kairos guides the most appropriate customer retention and acquisition actions necessary to meet customer needs and deliver efficient corporate results.”Glen Westlake CEO IT Performs (WEB)

Combining ITP’s expertise in Customer Lifetime Value (CLV), gained from working with the Telecoms industry over several years, with the advanced capabilities of SAP’s in memory database (HANA), Kairos simplifies this complex data science task by providing pre-built; data extractors (APIs), predictive models and visual analytics, to deliver a simple and easy to use solution to measure and track CLV.

Companies wishing to sign up for the beta program can contact UK-based IT Performs on: 0845 868 5692.

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Mobile wallet – in 1 in 5 handsets by 2018, researcher finds

A new report from Juniper Research has found that 1 in 5 mobile handsets will have mobile wallet functionality by 2018, against less than 1 in 10 at the end of last year.

The report – Mobile Wallets: Strategies for Developed and Developing Markets 2014-2019 – found that growth would be driven by two distinct wallet models. In emerging/developing markets, SVAs (Stored Value Accounts) are increasingly enabling first time financial access for unbanked individuals, and the report anticipated a surge in deployments across sub-Saharan Africa, developing Asia and Latin America.

Meanwhile, the report says that wallet launches across North America and Western Europe are increasingly expected to feature contactless payment functionality. The sector is forecast to receive a boost both from the anticipated launch of an Apple iWallet later this year and through HCE (Host Card Emulation)-based NFC (Near Field Communications) services. According to the report, more than 1 in 3 mobile wallets – and over 50% of wallets in developed markets – will featuring contactless payment by 2018.

P2P Attractive Value-Add

The report also claimed that the mobile wallet profile would be bolstered through high-profile P2P (Person to Person) payment initiatives such as the UK’s Paym, which will be integrated into customers’ existing mobile banking or payment apps as an additional way to pay. At the same time, it argued the mobile P2P market in the US was being driven by a number of start-ups – including Venmo and Dwolla – targeting younger demographics.

According to report author, Dr Windsor Holden: “While P2P mobile payment services have struggled to gain traction in developed markets, financial institutions are keen to commit to them as they can serve as an attractive value-add to consumers in an increasingly cashless society.”

Other findings from the report include:

  • China’s Alipay now has more than 100 million wallet users.
  • HCE threatens operator role in contactless value chain.

The whitepaper, Smart Phone – Smart Wallet – Smart Cash, is available to download from the Juniper Research website together with further details of the full report and the attendant Mobile Wallets IFxl.