PayU has launched a real time recurring (RTR) offering, called PayU Xpress, designed to boost security and convenience for both retailers and consumers.
The solution provides South Africa’s eCommerce stores with a platform for their shift to a one-click checkout, offering increased customer engagement and the potential for increased sales through improved customer conversions.
“It is our conviction that shoppers just want payments to “happen” and not to be an integral part of the online checkout experience. With RTR we can achieve this, says Karen Nadasen, Country Manager of PayU South Africa.
“Data shows that where shoppers are able to virtually tap and go whenever they see an item at a retailer they trust, they are more likely to purchase impulse items and keep returning to the same site for further service,” concludes Nadasen. “Online operators have experienced a drop off as significant as 30% due to poor functionality and user accessibility – it is a costly mistake to make.”
One-click checkout services have been implemented by numerous retailers over the past few years, with brands such as Amazon, PayPal and Uber taking advantage of its potential and capability. These merchants long since recognised the value of convenience and the importance of customer experiences in an increasingly customer-controlled world.
Uber’s payment platform uses RTR to accept recurrent payments upfront. For Visa Checkout and PayPal, the solution gives their customers a central stop for all their payment options. Amazon Mobile Payments has been available since early 2016 to overcome the barriers around mobile conversion and, along with one-click and Amazon Payments, is one of the reasons why the company achieved $US107 billion in sales in 2015.
The World Wide Worx Online Retail in South Africa 2016 report has found that online retail in the country is growing at a steady rate and it is expected to reach 1% of the total spend for the first time this year. The fact that shoppers still only spend small amounts may be ascribed to legacy issues hindering adoption, but can ultimately benefit the retailer if frequency of payments increases with the right payment solution in place.
Ultimately, some of the biggest barriers to customer conversion are delays, complexity and security on mobile devices, frustrating input methods. Mobile devices are with people 73% of the time according to Facebook and according to a Google / Ipsos study, 29% of users will switch to another site if the one they are on is too slow.
With PayU Xpress, consumers need only enter their details on their first purchase. The platform becomes their central payment repository for as long as they require. PayU offers additional fraud protection for merchants and consumers as users have the option to activate 3D Secure on a user’s first transaction without having to do it every time. For the retailer, the addition of the PayU Xpress button to their payment page is quick and easy so their consumers can use the feature as needed.
“PayU Xpress delivers a shopping experience which is safe, easy and requires only a single click for authentication,” explains Nadasen. “It is the ideal option for eCommerce stores looking to drive richer engagement and improve conversion rates, and gives returning customers a simple and safe space in which to transact. The system uses a PCI-DSS level 1 certified card tokenization service to assure all users of complete security throughout.”
PayU Xpress has been designed to simplify the checkout experience and bring a high-level of online sophistication to South Africa’s eCommerce culture and its simple system and easy controls will give the online merchant the support they need when it comes to reassuring the careful customer.
Samsung in lock-step with its rivals?
Tonight Samsung will kick off the next round in the smartphone wars with the S10 range, writes ARTHUR GOLDSTUCK.
When Samsung unveils the new S10 smartphone at an event in San Francisco today, it will mark the beginning of the 2019 round of World War S. That stands for smartphone wars, although Samsung would like it to be all about the S.
Ever since the launch of the Samsung Galaxy S4 in 2013, Samsung has held both technology and thought leadership in the handset world. Back then, Apple’s iPhone 5 was the last device from the American manufacturer that could lay claim to being the best smartphone in the world. With the 2013 launch of the iPhone 5s, Apple entered an era of incremental improvement, playing catch-up, and succumbing to market trends driven by its competitors.
Six years later, Samsung is fighting off the same threat. Its Chinese rival, Huawei, suddenly wrested away leadership in the past year, with the P20 Pro and Mate 20 Pro regarded as at last equal to the Samsung Galaxy S9 Plus and Galaxy Note 9 – if not superior. Certainly, from a cost perspective, Huawei took the lead with its more competitive prices, and therefore more value for money.
Huawei also succeeded where Apple failed: introducing more economical versions of its flagship phones. The iPhone 5c, SE and XR have all been disappointments in the sales department, mainly because the price difference was not massive enough to attract lower-income users. In contrast, the Lite editions of the Huawei P9, P10 and P20 have been huge successes, especially in South Africa.
Today, for the first time in half a decade, Samsung goes into battle on a field laid out by its competitors. It is expected to launch the Galaxy S10 Plus, S10 and S10 e, with the latter being the Samsung answer to the strategy of the iPhone XR and Huawei P20 Lite.
Does this mean Samsung is now in lock-step with its rivals, focused on matching their strategies rather than running ahead of them?
It may seem that way, but Samsung has a few tricks up its electronic sleeve. For example, it is possible it will use the S10 launch to announce its coming range of foldable phones, expected to be called the Galaxy X, Galaxy F, Galaxy Fold or Galaxy Flex. It previewed the technology at a developer conference in San Francisco last November, and this will be the ideal moment to reclaim technology leadership by going into production with foldables – even if the S10 range itself does not shoot out the lights.
However, the S10 handsets will look very different to their predecessors. First, before switching on the phone, they will be notable by the introduction of what is being called the punch-hole display, which breaks away from the current trend of having a notch at the top of the phone to house front-facing cameras and speakers. Instead, the punch-hole is a single round cut-out that will contain the front camera. It is the key element of Samsung’s “Infinity O” display – the O represents the punchhole – which will be the first truly edge-to-edge display, on the sides and top.
The S10 range will use the new Samsung user interface, One UI, also unveiled at the developer conference. It replaces the previous “skin”, unimaginatively called the Samsung Experience, to introduce a strong new interface brand.
One UI went live on the Note 8 last month, giving us a foretaste, and giving Samsung a chance to iron out the bugs in the field. It is a less cluttered interface, addressing one of the biggest complaints about most manufacturer skins. Only Nokia and Google Pixel handsets offer pure Android in the local market, but One UI is Samsung’s best compromise yet.
It introduces a new interaction area, in the bottom half, reachable with the thumb, with a viewing area at the top, allowing the user to work one-handed on the bottom area while still having apps or related content visible above. One UI also improves gesture navigation – the phone picks up hand movements without being touched – and notification management.
The S10 range will be the first phones to feature the latest Qualcomm Snapdragon 855 chip, at least for the South African and American markets. That makes it 5G compatible, for when this next generation of mobile broadband becomes available in these markets.
They will also be the first phones to feature Wi-Fi 6, the next generation of the Wi-Fi mobile wireless standard. It will perform better in congested areas, and data transfer will be up to 40% faster than the previous generation.
The phones will be the first to use ultrasound for fingerprint detection. If Samsung gets it right, this will make it the fastest in-screen fingerprint sensor on the market, and allows for a little leeway if one pushes the finger down slightly outside the fingerprint reader surface. It does mean, however, that screen protectors will have to be redesigned to avoid blocking the detection.
Not enough firsts? There are a few more.
Most notably, it will be the first phone range to feature 1 Terabyte (TB) storage – that’s a thousand Gigabytes (GB) – at least for the top-of-the-range devices. Samsung last month announced that it would be the first manufacturer to make 1TB built-in onboard flash storage. Today, it will deploy this massive advantage as it once again weaponises its technology in the fight for smartphone domination.
- Arthur Goldstuck is founder of World Wide Worx and editor-in-chief of Gadget.co.za. Follow him on Twitter and Instagram on @art2gee
IoT set to improve authentication
By Sherry Zameer, Senior Vice President, Internet of Things Solutions for CISMEA region at Gemalto
As it rapidly approaches maturity, the Internet of Things (IoT) is set to continue a transformational trajectory, introducing new efficiencies in multiple fields by allowing measurement and analysis on a scale that has never been possible before. From agriculture to logistics, from retail to hospitality, from traffic to health, from the home to the office, the applications for monitoring ”things” are limited only by the imagination.
And South African (and African) businesses are showing abundant imagination in their practical deployments of IoT solutions in multiple settings, creating a better tomorrow through almost universal measurement and the introduction of new levels of convenience – including how to access locations, devices and services securely.
Any company, whether South African or international, should bear in mind that understanding consumer expectations can be the key to unlocking the full potential of IoT devices and related smart services.
According to Gemalto’s latest Connected Living study, improving the way consumers authenticate themselves to services is one of the most anticipated benefits of IoT, highlighting a desire for a more seamless and secure IoT experience.
Consumers are interested in advanced ways of authenticating themselves through automatic (based on behavioral patterns) or biometric techniques, lessening the need to have to intervene manually, all in the name of a much more streamlined authentication process. Smartphone manufacturers like Apple and Samsung have already placed fingerprint and facial recognition high on the agenda. There is also a widespread positive sentiment towards IoT’s potential for improving the quality of home life through connected, smart appliances.
Personalised services is something else that wins consumers over. In fact, a fluid, personalised and unified experience with continuity of services, together with security and privacy, is critical for the successful implementation of any technology.
And those types of services are today quite possible. With everything being connected – from small gadgets to digital solutions for large enterprises – IoT is no longer just a buzzword. That much is clear in a piece from Vodacom IoT managing executive Deon Liebenberg. Writing for IOL Online, Liebenberg provides insight into the sheer range of applications for IoT: the 20 use cases he cites range from the obvious, like transport and logistics, to the connected home and wearables; he even suggests tagging pets with IoT transmitters, for those who always need to know the whereabouts of the family cat.
Low-cost tags fitted to cats, dogs, lamp posts, shipping containers or other items are just one part of the puzzle, however. There are other two pieces; arguably the most complex part is the availability of communication networks in areas where there aren’t any WiFi networks, or indeed, anything else.
And that’s where the bigger takeaway from Liebenberg’s piece and other IoT trends articles becomes apparent. The communication networks are there, as are those tags: dedicated IoT networks (like LoraWAN, SigFox and narrowband IoT) are all available in South Africa.
So, too, is the third and final essential component. Software which is able to process the data generated by the tag and transmitted over the IoT network and into the internet. In this regard, there’s no shortage of solutions available from cloud providers like AWS and Azure; electronics giant Siemens, too, is in on the action, having recently launched a new cloud-based IoT operating system to develop applications and services for process industries, including oil and gas and water management.
This combination means it is quite possible right now to enable just about any use case. Business owners, who will know best how IoT can add value in their organisation, can now see their ideas becoming reality. Most crucial of all, IoT solutions delivering new levels of efficiency and convenience are not only possible, they are able to be offered with the simple and effective security that will drive consumer acceptance.