Seamless digital payments are the key to unlocking omni-channel retail and retailers need to keep making it easy for consumers to transact with them in any channel, writes VICTOR DE KOCK, of MasterCard South Africa.
Technology today touches nearly every aspect of consumers’ buying decisions, from researching which product to buy to paying for it. While this has transformed the retail sales experience compared to just a few years ago, merchants’ priorities remain much the same: driving sales, enhancing efficiency and delivering a top-notch customer experience.
What has changed is that they must meet these goals in a manner that serves the needs of a connected consumer who shops in a variety of ways across a range of different channels and touchpoints. Today’s customers hop from researching products on their smartphones to viewing them in-store to ordering online without missing a beat.
These global trends hold true in South Africa. According to the Mastercard Impact of Innovation Study, South African consumers are keen to use the latest technologies to shop and pay. Among respondents, nearly half use their mobiles as their primary device to access digital services and 73% are ready to pay with their mobile phones.
Moving to an omni-channel world
Retailers need to keep up by making it easy for consumers to transact with them in any channel. South African retailers understand the importance of moving towards omni-channel sales, but many find it challenging to deliver the checkout and payment experience that their customers expect across digital and traditional brick-and-mortar channels.
One important element of getting this right is making the transaction experience as simple as possible, but that alone is not enough. Consumers must also find their experiences with retailers to be personal, relevant, and cost-effective. This starts with thinking about how merchants can meet the needs of today’s complex, multifaceted and connected customer.
It involves shifting our focus from “channel only”—whether mobile, online or in-store – to “channel + customer + experience”. Important in this shift are payments technologies that make it safer and easier for consumers to pay and merchants to be paid – technologies that help merchants and consumers alike to escape the risks and inconveniences of managing cash.
This is the challenge we have been working to solve at Mastercard by introducing innovations such as EMV cards and contactless to South African consumers and merchants in the past few years. We have also focused heavily on digital commerce, launching our Masterpass digital wallet as an e-commerce play in 2014.
Since then, Masterpass has evolved into an interoperable solution that cuts across multiple channels – online, instore and in-app – and payment categories, making everyday payments available for everyone. It is accepted globally by more than 270 000 merchants and 5,200 South African merchants and now includes payments for mobile airtime and city municipal bills straight from the mobile wallet.
Digital payments platforms such as Masterpass offer a better checkout experience. Customers can check out faster, reducing shopping cart abandonment, and increasing conversion — all of which increase online sales. Customers can securely store their payment card and shipping address in one place for easy access during checkout. The platforms also make it easy for customers to pay securely from their mobile devices when they shop in-store.
The easy mobile POS device
Understanding that not all merchants are large chains with the latest point of sale systems, we have worked with partners such as iKhokha and Virtual Card Services to bring simple Masterpass acceptance into the face-to-face, bricks and mortar environment in addition to their mPOS and online offerings .
Digital payments shouldn’t only be about large transactions and large merchants – they should be as accessible to a consumer buying prepaid airtime from their phone or a loaf of bread and some vegetables from a spaza shop as to a customer buying a computer online. By providing easy and inexpensive point-of-sale devices that can be used anywhere, mobile technology has the potential to open up new channels of economic growth for merchants and enable them to meet the demands of consumers.
Fraud remains a major concern for consumers and merchants alike. It’s our mission to stay ahead by investing heavily in security innovations which use a host of new technologies. The trade-off between security and convenience is resolved by providing merchants with a hassle-free way to adopt and implement token services.
As a result, consumers get the best of all worlds: a frictionless checkout and peace of mind knowing that their card data is not at risk. Our aim is to ensure that all merchants can be paid quickly and securely, on every device so that they can meet the needs of their customers and grow their businesses.
* Victor de Kock, Head of Strategic Merchants and Acceptance, Mastercard, South Africa
As selfie cameras rise, so must selfie etiquette
Selfies were once a sign of narcissism or self-obsession. Now they are the new normal, writes ARTHUR GOLDSTUCK.
You can blame Oxford Dictionaries for making the “selfie” respectable. After all, being named Word of the Year, as it was in 2013, does tend to soften some of the self-consciousness in this most self-conscious of actions.
Once seen as a symbol of narcissism and self-obsession, it is now the new normal, to the extent that most smartphones are sold on the basis of the front camera. Or, as that feature is now almost universally named by manufacturers, the “selfie camera”.
I was one of the hold-outs, having a near-allergy to the selfie. I still resist, but succumb more often than I would like. The reason for continued resistance is that it remains a big leap from the word becoming respectable to the action itself shedding its narcissistic image.
For most, it’s already happened, and for that you can blame Ellen DeGeneres. She choreographed the most famous group selfie yet at the 2014 Oscars, when she roped a bunch of actors into a group selfie, using the then-new Samsung Galaxy S5 smartphone. Her tweet of the photo became what was then the most retweeted posting ever on Twitter, and was estimated to have been worth a million dollars in marketing value to Samsung.
Ironically, it was Samsung’s up-and-coming challenger, Huawei, that came up with a new word for this type of selfie: the “groufie”. Thanks to an 8 Megapixel front camera on the new Huawei Ascend P7 camera that year which took the highest quality selfies – and groufies – possible on a smartphone at the time.
It didn’t end there, and selfies and groufies have morphed into variations like selfscapes (selfie in a landscape), skyfies (selfies from the air, using remote controlled devices) and jerkies (selfies to make an idiot out of yourself). I invented all of those on the fly, so it’s easy to imagine a new word emerging for every type of selfie.
Continue reading about selfie improvements through the years.
Mickey’s 90th for SA
Disney Africa announced the local launch of the Mickey the True Original campaign, joining the global festivities honouring 9 decades of Mickey Mouse, his heritage, personality and status as a pop-culture icon.
As 18 November 2018 marks 90 years since his first appearance in Steamboat Willie in November 1928, a series of world-wide celebrations will be taking place this year and South Africa is no different.
The campaign will come to life with engaging content and events that embrace Mickey’s impact on the past, present and future. The local festivities kick off in earnest this month, leading up to Mickey’s 90th anniversary on 18 November 2018 and beyond:
- An exclusive local design project where ten highly talented South African artists will apply their own inspiration and artistic interpretation on 6-foot Mickey Mouse statues.
- Once revealed to the public, the statues will form part of the Mickey the True Original South African Exhibition, inspired by Mickey’s status as a ‘true original’ and his global impact on popular culture. The exhibition will travel to 3 cities and delight fans and families alike as they journey with Mickey over the years. Featuring 4 sections highlighting Mickey’s innovation, his evolution, influence on fashion and also pop culture, the exhibition is in collaboration with Samsung and Edgars, and will visit:
o Sandton City, Centre Court: 28 September – 14 October
o Gateway Theatre of Shopping, Expo Explore Court: 19 October – 11 November
o Canal Walk Shopping Centre. Centre Court: 16 November – 26 November
- Samsung continues their collaboration with Disney as they honour Mickey’s 90th anniversary nationally at all Samsung and Edgars Stores. Entitled Unlocking the Imagination, fans are encouraged to visit these stores, take a selfie with a giant Mickey plush toy using their Samsung Galaxy Note9 and stand a chance to win not only a giant Mickey plush, but also an international family trip. Visit www.Samsung.com for more information
- Mickey’s 90th Spectacular, a two-hour prime-time special, will be screened on M-Net 101 later this year. The elegant affair will feature star-studded musical performances, moving tributes and never-before-seen short films. Superstars from music, film and television will join the birthday fun for the internationally beloved character.
- In addition, look out for special programming on Mickey’s birthday (18 November) across Disney Channel (DStv, Channel 303), Disney XD (DStv, Channel 304) and Disney Junior (DStv, Channel 309).
- In retailers, Edgars will be stocking a complete collection of trendy fashion, accessories and footwear for the whole family, inspired entirely by Mickey Mouse.
- Mickey will be the central theme of an in-store campaign nationwide this November and December, with brand new products, apparel, toys, as well as titles from Disney Publishing Worldwide, including books, arts & crafts and comics
- Discovery Vitality and Disney are celebrating healthy, happy families this festive season by offering helpful and exciting tips and tricks on how to eat nutritious, yet delicious, foods, all inspired by Mickey. There’s also a trip to Disneyland Paris up for grabs. Log on to www.discovery.co.za/vitality for information.
- And much more – check the press for updates
“Binding generations together more than any other animated character, Mickey Mouse is the “True Original” who reminds people of all ages of the benefits of laughter, optimism and hope,” says Christine Service, Senior Vice President and Country Manager of The Walt Disney Company Africa. “With his universal appeal and ability to emotionally connect with generations all over the world, no other character quite occupies a similar space in the hearts and minds of a global fan base and we are thrilled to be sharing these local festivities.”
Mickey’s birthday is celebrated in honour of the release of his first theatrical film, Steamboat Willie, on 18th November 1928, at the Colony Theatre in New York City. Since then, he has starred in more than 100 cartoons and can currently be seen on Disney Channel (DStv, Channel 303) in the Mickey Mouse cartoon series and on Disney Junior (DStv, Channel 309) in Mickey and the Roadster Racers.
South African fans are encouraged to share their Mickey Mouse moments on social media using the hashtag#Mickey90Africa.