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mCommerce Daily: Mobile Payments & the Loyalty, Rewards Factor

One of the main drags on using a phone to pay, at least in the U.S., has been the issue of what problem it solves. Anyone who has used a credit card or cash and then compared that ease of use to any mobile payment method has likely found there is no great improvement.

Of course, there is the coolness factor, like when paying via the little LoopPay FOB device, or tapping an Android phone to a terminal or, if you have an iPhone 6, trying out ApplePay.

The reality is that we’re still quite early in the evolution of mobile payments.

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Payments Source: Banks Can Cash in by Adding M-Commerce Service to Mobile Payments

There is lots of talk about mobile payments and where banks play, but the real opportunity has less to do with payments and more to do with “mobile commerce services," or all of those things banks (and merchants) can do via mobile to attract, engage, motivate and reinforce customer relationships to protect existing revenue streams and create new ones.

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BostInno: Office Envy - Paydiant

The venture-backed startup does the same white-label work for a handful of well-known brands--Subway, Harris Teeter and CapitalOne, to name a few. Usually it stays out of the limelight, ensconced comfortably in its new offices in Newton.  

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Chief Marketer: Subway's New In-Store Mobile Pay Solution

Subway’s new mobile app rewards users with loyalty programs and special offers, but it also allows them to order food and make in-store payments directly from the app.

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Mercator Advisory Group: Does the Starbucks App Stand a Chance Against Apple Pay? Talking Mobile Payments Strategy with Paydiant

It's been almost a few  weeks since Apple announced its long-awaited entry into payments with Apple Pay. For payments geeks, which includes everyone at Mercator Advisory Group, this was our Comic-Con. We've been busy these past couple of weeks putting out numerous think pieces on what this development means for various stakeholders within the payments ecosystem. We have also had a number of calls with clients and other industry stakeholders, all keen to understand where they stand if Apple succeeds in driving a once in a generation change in the way people pay for things. One of the questions I have been wrestling with since the Apple’s September 9 keynote is what Apple Pay means for retailers who are investing in their own wallet apps that combine loyalty and payments.

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