10 Dec

2016 : the year of payment by smartphone!

2016 the year of payment by smartphone

Although some companies are already offering to pay with your smartphone, WAL MART will surely lead the way.

Last Thursday, Wal Mart launched in the U.S. (Wal Mart Pay), a mobile application on iOS and ANDROID that allows its user to pay with their smartphone.

It is a virtual wallet where you enter the information from your credit card to pay, you only have to capture the bar code (QR-CODE) with your smartphone camera and the electronic invoice is sent to the mobile application ( Payment is made quickly )

2016 will be the year for payment by mobile phone. Wal Mart will deploy this new way to pay in all Wal-Mart of the United States by the next summer. Wal Mart Canada should follow either later this year or on late 2016.


Smartphone, the device at least of 3 feet

The cell is undoubtedly the electronic device of choice to join a person or make him change his consumption habits. Today, our cell is less than 3 feet from us. It is therefore easy to send advertising, reminders, notifications.

Therefore payments patterns will change. Forgot your wallet? This is not so serious because surely you have not forgotten your phone!

By providing useful applications, or replacing an habit by another one, is the key for major profits and gain the client’s loyalty. Wal Mart has understood this, let’s see who will be the next ones…

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31 May

Samsung’s non touch fingerprint recognition reader

fingerprint recognition by samsung's non touch


The multinational Samsung has filed a patent that reveals an interesting technological advance : The ability of a fingerprint recognition without contact with a reader.

Mobile devices will be able to conduct a scan of the fingerprint without any contact. The advantages of such a method is the ease of recognition of the fingerprint and to avoid distortion.

It is therefore easier to manage the recognition when dehydration occurs or distortion due to incorrect application of the finger on the reader. The recognition speed rate is also accelerated by this method.



Since Apple launched the iPhone with fingerprint recognition, we are seeing more closely the moment when phones will act as payment devices.

The phone will scan the owner’s fingerprint  and authorizes payment to an RFID or Bluetooth terminal. While this is not new in our mind, the moment of this deployment is very close and we can think that in 2016, the standard will begin to apply.


Samsung Pay

Samsung will launch this summer its new Samsung Pay payment platform that looks just like Square allowing the read of the magnetic stripe of a payment card.

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08 May

Target will pay $10M in damages

Target will pay $10M in damages

Security of sensitive data is a must and when a breah occurs this might be really dramatic for the business. Those who do not stay updated, or take adequate safety  measures maybe at risk! Target has learned it hardly.

In 2013 between 27th November to 15th December, Target was the victim of an attack that resulted in the loss of customer credit card data. A hacking software was installed on their payment terminals where customers swipe their payment cards.

Virtually almost all of the 1,797 Target stores have been affected by the pirates.

The perpetrators were able to make clones of the credit and debit cards to make large-scale fraud. Since then, Target has been the object of 15 different lawsuits for this data loss.

It is estimated that 4 million card numbers and information about their customers have been stolen. The proposal must be approved soon by a federal court of justice in Minnesota next week.


Target in trouble

Target in Canada did not last 2 years here. Unable to adapt to the Canadian reality and compete mainly with Walmart, they closed all their stores. Target was something near the same nature as Zellers. Big Surface Stores, no real good products or good prices even the atmosphere was not there.

In the US, Target has laid off 13% of its employees or 1700 of them. Very often (if not almost all the time), closing stores and doing laid off gives a slap to the capitalization, it reassures investors! It only pushes the inevitable in many cases. Is Target near dead?


Change of horizon

Restructuring, long-term planning or other reasons are often mentioned, but the fact remains that superstores have more and more difficulties to adapt to the new trend of online shopping.

We have seen with Future Shop, Dumoulin electronics even brand clothing stores in Montreal close their doors one after the other.

What worked yesterday does not guarantee success tomorrow!

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