Digital Wallet Archives

Promutuel launches digital insurance certificate

Canadian Promutuel Insurance has launched its digital auto insurance certificate. The digital insurance certificate allows motorists to have, on their mobile device, the certificate proving that they have the compulsory insurance required by law.

Promutuel Auto Insurance Certificate

The Promutuel Insurance certificate adapts to the main application systems. It is available in Apple’s iOS version as well as on Android. For the Apple version, it will be automatically downloaded into the Wallet app. Also, it allows the automatic updating of information when there is a modification to an already insured vehicle and it is easily shared with any temporary driver in different ways such as text or email.

Promutuel Insurance partnered with Passworks to create the digital insurance certificate.

APPLE WALLET NEWS WITH IOS 9.3

Apple just launched the new version of the operating system: iOS 9.3. Despite not being spoken on March 2016 Apple event there were small changes/improvements on Apple Wallet.

App Icon

Apple Wallet has been an amazing channel for brands to engage with their customers and one of the features was allowing brands to promote their App at the back of their passes.

With the new iOS 9.3, if a brand integrates the App with the pass, the App icon will also appear on the bottom left of the front of the pass where previously was the share icon

If you tap on the icon one of two things will happen; if the App is already install it will automatically open, otherwise you will be directed to the App store to download the App.

Share Link

Since the begging of Apple Wallet on the bottom left corner of the pass there was share icon. By tapping on that icon users were allowed to share their pass via message, mail or airdrop.

In iOS 9.3, and covered by previous point, the share icon has been removed and now appears on the back of the pass as a link right bellow the Automatic Updates and Suggest on Lock Screen.

On-Going Conversation & Customer Engagement

Mobile Wallets allow to start on-going conversations with your customers by managing the wallet pass. With the ability to do real-time pass updates, you can refresh the content of the pass frequently according to your brand strategy, so your customers always have an up-to-date pass and keep it on their mobile device indefinitely.

Paez, an international Argentinian shoes brand, provides exclusive value to their customers through Paez mobile wallet pass.

Paez first mobile wallet pass

Paez wallet pass is regularly updated to communicate new campaigns and deals, while giving Paez a powerful on-going mobile engagement channel and the ability to amplify an offer when it real counts. In this way, Paez is giving to their customers the opportunity to get the most value of their shopping experience.

Mobile wallets are proving to be a great tool to improve customer experience and delivering sales growth. Paez is already on-board with happy customer and great results!

SMARTPHONE USERS WANT REAL-TIME PROMOTIONS

Mobile is fast changing the retail landscape, specially when it comes to real-time promotions. Accenture^* surveyed more than 10.000 adult smartphones users worldwide, who shopped both in-store and digitally for the past 3 months.

Consumers use their smartphone when shopping and receiving real-time promotions is one of top smartphone retail services they desire.

Nearly half of smartphone user worldwide said they can´t wait to receive real-time promotions from retailer on their smartphone device. Also, 42% said they want the ability to credit coupons and discounts automatically.

Despite the majority of the respondents mentioned they want to receive real-time promotions, the fact is that only 7% of worldwide retailers are offer that service to their consumers.

Retailers understand the benefits of higher mobile engagement and Mobile wallets are one of the methods that retailers can have to give to their customers what they want. With Mobile Wallets, such as Apple Wallet or Android Pay, retailers can send to their customers’ real-time promotions and offers without the need for an App.

By taking advantage of the non-payment side of Mobile Wallets, the retailers can create a Perpetual Coupon that once is installed on the smartphone opens a real-time communication channel between the retailer and customer.

The Coupon can be updated in real-time with new promotions or offers according to the retailers’ strategy.
Directly send a notification to the customer´s lock screen alerting them of the new promotion.
Creates geo-fences and/or beacons that tie for a more personalized experience.

^* Source: Accenture February 2016 “Retail customers are shouting – Are you adapting?”

The new Passworks platform is here!

At Passworks our customers are always our focus, and as a result, we’ve just released the new version of our platform. Many of you have already experienced the new platform and be sure we appreciated all the feedback received.

Aside of many small improvements, the new platform brings:

A cleaner and more intuitive interface to design the passes and roll out the campaigns;
New features adding even more value to what our customers are already doing, including CSV file integration, EAN128/GS1 – 1D barcode integration, among other features, and preparation for upcoming releases;
New pricing model with monthly and yearly subscriptions in order to give you control over your campaign’s budget and, of course, with everything included (unlimited push notifications, pass updates, etc);
Several new functionalities were added to our API: https://api.passworks.io;

The right moment for Mobile Wallets…

The shift to mobile is definitely happening in 2016! For more information or support to create your mobile coupon campaign contact us.

Have a great week! 🙂

*Sources: Forrester’s Consumer Technographics Financial Services Survey; NCH Marketing Services & State of the Mobile Coupon Industry report by Koupon Media

Passworks at RBTE 2016!

Passworks team will be present again at the RBTE event on March 9th & 10th at Olympia, in London!

Feel free to contact us to arrange a speed dating meeting or come by and visit us at stand 159 to further discuss what are the new features of mobile wallets and Beacons! We will be happy to meet you! 🙂

SEPHORA DIGITAL STRATEGY & THE IMPORTANCE OF APPLE WALLET

Sephora has built a reputation as a big player in mobile. The Sephora mobile strategy is wide ranging and might seem complex, but there is a pattern that they use repeatedly.

First, and most important, Sephora strategy is customer focussed and on providing an informed experience, rather than holistic or technology focussed. Secondly, with the customer always at the centre, Sephora develops integrated cross-channel strategies that merge seamless for the customer.

“Sephora strategy
is customer-focused
and on providing
an informed experience”

Sephora knows digital. They know the importance of mobile and how mobile fits into the bigger picture, whether online or offline and, most of all, they understand how to combine and move between channels in a way that makes sense to their customers.

Sephora have their hands in Web, App, social networks (Facebook, Twitter and Pinterest), CRM, email, SMS, mobile commerce, digital loyalty using Apple Wallet Passes (Passbook) and more.

Main Elements of Sephora’s Mobile Strategy

Updated & excellent usability on the Website
Good mobile App
CRM with Email and SMS
Apple Wallet (Passbook) with Loyalty Card, Discount Coupons and Gift Cards
Integration with social networks such as Facebook, Twitter and Pinterest
Mobile Shopping experience
Seamless experience across functionalities and promotions
Active promotion of mobile features across all channels

Overview of Mobile Results and Performance

1/3 of all traffic to the Sephora website is from mobile devices
Over 50% of Sephora’s emails are opened on mobile devices
Mobile website m.sephora.com (full shopping and Beauty Insider)
Successful Sephora Apps
More than 600,000 Sephora customers who have their Loyalty Card installed it on Apple Wallet
Apple Wallet users spend twice as much annually and purchase twice as frequently as average Sephora customers

“1/3 of all traffic to the Sephora website is from mobile devices”

There is a lot to learn from the way Sephora has implemented their mobile strategy. Sephora has driven significant value from connecting in-store and offline media with Mobile Apps and Apple Wallet Passes, using multiple channels to build awareness. Email, SMS, Mobile Media, QR Codes and loyalty programmes have been put to good effect in supporting consistent brand messaging throughout.

For retailers, integration with existing loyalty programs makes excellent sense as a first step into mobile. And the use of services like Apple Wallet to enable digital loyalty cards, offers and coupon redemption are a must have without the need to build custom technology.

Unibail-Rodamco & NUMA Accelerator program

On Friday 19th of February, Passworks applied to the Unibail-Rodamco and NUMA Accelerator program. You can find more about at the retail accelerator program.

Unibail-Rodamco is the Europe’s leading listed commercial property company specialised in managing shopping centres in the main European capital cities. They partnerships with NUMA, which is the first french incubator for technology startups. The program will last for four months and the six chosen startups that will be selected will have access to the team and portfolio of Europe’s leading commercial property company. A great opportunity!

At Passworks, we believe that tour technology can help Unibail-Rodamco clients to do on-going communication in real-time and based on location with their customers through mobile wallet content, such as discounts, loyalty cards, event tickets without the barrier of having to install an App.

With Passworks, clients can Improve the customer experience in-store while creating a direct communication channel with customers enabling visibility gain, store traffic and increase sales.

Wish us Good Luck!

#Unibail-Rodamco #NUMA #retailaccelerator #mobilecontent #UR-link.fr

A Bigger Industry for Mobile Wallets in 2016

Mobile tech dependency heightens this year with the prevalence of more mobile wallets and mobile payment systems. In a survey by Accenture, Millennials (23%) and those from higher-income households (38%) led the pack in contactless payments where they are said to them at least once a week. More than half of those from North America (52%) are already “extremely aware” of mobile payments, according to the research. However, mobile wallets will become even more popular this year due to various factors and changes in the mobile and tech industry.

Here are some of the biggest influencers of mobile wallets in 2016:

https://www.flickr.com/photos/38827603@N03/18302185568/

Mobile Wallet Marketing will become a must

With Mobile Wallets, such as Apple Pay, Android Pay or Samsun Pay, customers now have more options than ever when it comes to paying via their smartphone. But mobile wallets have much more uses beyond enabling mobile payments, allowing users to add things such as coupons, store or loyalty cards, boarding passes, tickets or membership cards.

The non-payment side of mobile wallets is still nascent in terms of brand adoption, but as smartphone users are becoming more in sync with its functionalities brands should look to move their tickets or coupon and loyalty campaigns to more dynamic digital smartphone versions. Digital wallets form an important part of the current trend of new mobile technologies which are all focused on creating unique, innovative and real-time experiences for customers whilst paving the way for a more seamless transition between the physical and the digital worlds.

Bitcoin will become mainstream

Among the available crypto currencies worldwide, Bitcoin is the most popular and is becoming more accepted by consumers and businesses alike. In fact, some retailers have already started accepting this virtual coin as payment for transactions and we have seen a growing number of Bitcoin ATMs installed worldwide. In May 2015, there were already 400 machines installed globally and more are expected to be installed this year. Bitcoin is said to be taking on the popular virtual payment system PayPal, as it offers a more secure process to its users. Currently, Bitcoin firms are trying hard to make the currency mainstream.

“The benefit is going to be for people who want to use an online service, and don’t want to worry about managing and securing private keys and so forth. They can store as much as they want, there’s no fees, and it includes all the offline storage we provide as well as full insurance on all deposits,” said Bitcoin bank representative Jeremy Allaire.
Cheaper devices with NFC

The NFC (near field communication) chipset is now becoming a mainstream feature in almost all the handsets on the market, including the budget-friendly ones. However, many premium handsets in 2015 are still expensive, leaving many consumers waiting for the sales to give them a chance of owning such an expensive smartphones. Other NFC-enabled handsets are now also more affordable via various providers worldwide as newer devices are set to take over the market soon.

Iris scanning technology arrives

In 2016, a new biometric security in the form of iris scanning will dominate the next wave of mobile devices as it guarantees to be less costly and more secure than any known mobile sensors today. Since it will be more affordable than fingerprint scanning, we are hopeful that handsets with iris scanning will be cheaper, if not, it should at least have the same price tag.
We are certain that there are other factors that will affect the growing industry of mobile wallets this year, as new mobile technologies are set to revolutionize the next wave of smartphones.

Do you foresee the mobile wallet industry blossoming in 2016? We’d love to hear your thoughts so feel free to leave us a comment below.

Exclusively written for Passworks
By Tech-to-Day

Photo Credit: Vodafone Germany Corporate Communications via Compfight cc

Mobile Wallets: the ability to send Notifications

Even that you have a great App, not all your target clients will want it. This is supported by a recent Forrester research that found out “60% of US consumers have two or fewer retailer apps on their phones, 21% do not have any and only 3% had more than 10”.

Having said this, your customers will probably fall in one of two categories:

Brand loyalists who want your App, or
Not interested in downloading another App.

With the customers who have your App installed, you can use push notifications to send relevant information at right moment and time driving customer engagement and conversion. But as previously seen, only a part of your customers will have your App.

These facts impact your mobile marketing strategy and automatically brings questions that the marketers need to answer. How are you going to reach your customers? How are you going to create an active mobile engagement? How can I send push notifications to my customers?

The answer is Mobile Wallets Marketing.

With Mobile Wallet Marketing brands can create mobile wallet passes that can be downloaded in Apple Wallet or Android Pay (native Apps). This a great opportunity for brands and a brilliant solution for those customers who like your brand, but for some reason don´t want to install your App.

By using mobile wallets, brands can be on their consumer´s smartphone and engage with them in real time. One of the best things about mobile wallet is the possibility to send notifications that can appear on the smartphone lock-screen, similar to push notifications coming from apps. And since mobile wallets do not require any opt-in, they can act as a “small App”, allowing you to message your customer without them need to install your own App.

Basically, mobile wallet gives you the opportunity to communicate and engage directly with your customers without requiring a heavy commitment from them.

Promutuel Insurance partnered with Passworks to create the digital insurance certificate.

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