Tag Archives: mobile

Have you ever had a text message warning from your bank about a recent transaction?

Last week my wife told me she’d received this message from our bank:

Have you ever had a text message warning from your bank about a transaction?

Mrs H then replied with ‘N’, following the instructions.

A few minutes’ later her phone rang, and we put it on loudspeaker on my desk. Continue reading Have you ever had a text message warning from your bank about a recent transaction?

Samsung’s MPOS on a phone

Trend #7 in my 2020 technology trends, “Apple accepts payments” has come true, enabling small businesses take contactless payments without the need to buy additional hardware or dongles.

The new Samsung XCover-Pro, which comes with MPOS functionality as standard

The product comes from Samsung rather than Apple. Apple is rarely a first mover, so in hindsight I should have called the trend “Samsung accepts payments“.

Among several new features, Galaxy XCover Pro will also have Samsung POS, a mobile-based point of sale (MPOS) solution that has been approved by Visa’s Tap to Phone pilot program.

Continue reading Samsung’s MPOS on a phone

Review of 2017 predictions

Time to look back on the 2017 predictions from 12 months ago…. how many of the predictions came true?

1. Everything On-demand

If there was one on-demand service that was in the headlines this year, it was Uber. And it wasn’t always for the right reasons. Uber and Deliveroo also led to a debate on the gig-economy and workers’ rights. Continue reading Review of 2017 predictions

How to improve all your business metrics through digital best practices

This article is a summary of the keynote presentation I gave at the Nimbus 90 Ignite event in London on Monday.

Modern businesses need to become more engaging, responsive and efficient. To achieve this, they need to focus on stronger digital deliverables, agile processes and automate much more than they do today.

Many businesses still struggle to define what digital really means, so we have come up with 12 “best practices” which include:

  1. Business Focussed Solutions (not technical)
  2. Self-service (for everyone)
  3. Try stuff (Fail fast/ learn quickly)
  4. (Very) regular releases
  5. Easy to use and regular multi variate testing
  6. Value dashboards
  7. Easier integration (e.g. APIs)
  8. Multi-device
  9. New business models (e.g. marketplace, sharing economy…)
  10. Culture of Innovation
  11. Bots/ automation
  12. Two way conversations

When we start a workshop with a customer, we focus on each of these digital best practices. We then challenge existing processes or applications. For example, we might ask the sales team how customers can self-service themselves, or how many customers are frustrated that they can’t use a specific app on a mobile or tablet device. Continue reading How to improve all your business metrics through digital best practices

When did it get so complicated?

This should be the logo for the new LinkedIn

In January LinkedIn released its new user interface. It’s now four months later and the user interface is still as shocking as its January release. Some of the best, unique, features of LinkedIn such as ‘who connects me to this person’ are hidden from view.

Do you want to refuse to link to someone because you don’t know them? The “I don’t know this person” notification appears out of immediate eye focus, so a. it’s hard to see and b. you need to either move the mouse (or your finger on the mobile version).

And the speed of the site is appallingly slow, with that irritating loading icon on every screen. LinkedIn owner’s, Microsoft, might as well show a rotating hourglass for nostalgia. Continue reading When did it get so complicated?

2017 digital predictions

This is now the seventh year of my digital predictions for the forthcoming twelve months (see here for 2016).

Supermarket checkouts - RIP in 2017 from Amazon Go?
Supermarket checkouts – RIP in 2017 from Amazon Go?

There are industry commentators and research analysts who release their predictions for the coming year. But I’m the only one brave enough to mark their homework at the end of the year! Last year I scored a respectable 61%.

Although President Trump and Brexit-at-some-point won’t have a direct impact on technology, there will be an indirect impact on consumer prices and investments into startups. Whether this affects the technology market in 2017 or later is difficult to say. Continue reading 2017 digital predictions

Five trends from The Future of General Insurance event

Describing key insurance trends at The Future of General Insurance event
Describing key insurance trends at The Future of General Insurance event

This week I spoke at The Future of General Insurance event about our latest Insurance Industry Technology Trends report at Endava. Here’s a brief summary of the presentation.

Endava works in many industries, and we can see what companies outside of insurance do really well, that insurers can learn from. We have found 20 ‘trends’, of which we covered five most relevant ones to general insurers at the conference:

  • IoT (Internet of Things) are slowly redefining how consumers perceive ‘insurance’
  • Moving to mobile first interfaces
  • Using social media
  • The use of digital marketing in the insurance industry
  • Building self-service into systems

Continue reading Five trends from The Future of General Insurance event

Points to consider when designing your next mobile app

Percentage of people who have disagreements with their partner due to their mobile phone usage, by age from Deloitte Mobile Consumer 2016 report
Percentage of people who have disagreements with their partner due to their mobile phone usage, by age

According to Deloitte’s Mobile Consumer Survey 2016 report, mobile hasn’t just reached saturating point (over 80% of the UK now owns a smartphone – and still annually growing at 7%), it’s become embedded in our day to day (and night to night) lives. We don’t just own a smartphone, we let it take over our lives – foregoing sleep or partner and friends asking us to put the thing away.

Here are the highlights and takeaways (all are UK statistics, from 3,251 respondents) from the Deloitte Mobile Consumer 2016 report:

  • 10% of smartphone owners check their device immediately on waking up, with over two thirds of us checking our phone within 30 minutes of rising.
  • 43% of us check our phones within 30 minutes of going to bed.
Suggestion: next time you want to spend time with your family or friends, forget your phone from Deloitte Mobile Consumer 2016 report
Suggestion: next time you want to spend time with your family or friends, forget your phone
  • Half of smartphone owners aged 18-24 check their phone in the middle of the night (most of whom check the time, instant messages, social media notifications or email). If you’re not in that age bracket, it’s still 48% for 25-34 year olds, 37% of 35-44 year olds and 27% aged 45-54.
  • Next time you’re out with friends in a restaurant checking your email, or supposed to be out with the family, or just crossing the road, remember the two graphs above.

Continue reading Points to consider when designing your next mobile app

I’ve found the best app and it’s not Pokémon

If you see these in the street, watch out for the impending stampede
If you see these in the street, watch out for the impending stampede

There is a trend for financial and retail companies to offer additional benefits at the checkout – whether it’s spreading payments for large purchases, insurance or charity donations. Some banks are offering ‘save the small change’ functionality, rounding the purchase up to the nearest dollar or pound and putting that change into a holding account.

I know a few people who collect small change (or a particular coin). Every day they put it in a jar, then at the end of the year they donate it to charity or buy themselves a gift. This is obviously harder to do with electronic payments at the moment.

With new challenger banking apps appearing on users’ smartphones, retail banks are starting to offer their customers value added services at the point of payment. Continue reading I’ve found the best app and it’s not Pokémon

Garmin Forerunner 235 ‘Smartwatch’ Review (I Love It)

The Garmin Forerunner 235. I wish I had as many hairs on my head as my arms. Nice watch though.
I wish I had as many hairs on my head as on my arms. Nice watch though.

After months of stating that I won’t get a smart watch, I’ve gone and bought one. Sort of. And I’m delighted with it. It’s the Garmin Forerunner 235.

I’ve been preparing to run a marathon since the start of 2016. During training my mile paces (timings) were all over the place. During a half marathon in May, someone suggested I get a GPS based running watch to keep my paces consistent.

After a little research I realised the decent ones are well over £200 and I didn’t want to spend that much. I found a way to get a 50% discount on the specific watch I wanted, the Garmin Forerunner 235, and now I’m hooked – not just on the running features. Continue reading Garmin Forerunner 235 ‘Smartwatch’ Review (I Love It)