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Making money fit for the future

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There is a problem with money – it now comes in many forms, but is not fit for the future. That’s going to change, writes ARTHUR GOLDSTUCK.|easy tech

Pepper is not your everyday waiter. He is a robot that can move on its own wheels, taking orders from customers in a restaurant, fetching the food and delivering it to tables. But he’s not just a novelty: over the past year, more than 14 000 units have been deployed in fast food outlets across Japan.

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Its maker, Softbank, builds a thousand every month and sells out as fast it produces them. Pepper has branched out into dentist offices, bathhouses and even life insurance sales.

Pepper’s international breakthrough came in May, when Softbank teamed up with Mastercard to add payment functionality via the Masterpass digital wallet app. It allows customers to pair the app on their smartphones with Pepper, and make payment through a touching a button on their screens or tapping the phone on Pepper.

It is currently being rolled out out mainly by Pizza Hut in its outlets across Asia, but is not going to stick to fast food. Meiji Yasuda Life Insurance in Japan plans to put a hundred Peppers to work as salesrobots at its 80 branches.

Pepper may well look like the future of sales, but in truth is only one of many futures that is beginning to emerge. At the Mastercard Innovation Forum in Budapest last week, where Pepper made an appearance, it was clear that the real secret was not in the artificial intelligence that makes Pepper possible, but in the interfaces that make payments seamless.

According to Michael Miebach, chief product officer at Mastercard, the problem with money is that it no longer works seamlessly, even in the digital area of connected accounts and mobile money apps.

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“The consumer today mainly engages with us through plastic, and some use digital payment factors,” said Miebach in an interview in Budapest. “So the payment experience can be digital, but there are many other experiences around payment that are not connected to each other.

“Take loyalty programmes with frequent flyer miles: to figure out what my mileage is, I have to go onto a website. And I can’t connect it with my card account. So there is a disconnect between all the payment tools. Many of them work well by themselves, but they are not fit for the future.”

This startling statement comes as research reveals it is not only so-called millennials who are ready for digital and connected payment systems. Consumers across the board want to be able to pay on any available channel, at any time, anywhere.

“They want convenience, it must be simple and smart, and it must be secure,” said Miebach. “The most important thing is safety and security, which is not only about preventing theft: it means that the payment must only take place when you want it to, and where you want it. Those needs are universal, for millennials and for older people.”

The initial focus is on what has been around for a long time, namely the existing form factor of the plastic card and how it will evolve, and linking it to what’s happening in the Internet space.

The big push in the United States at present is for the EMV system, named for card associations Europay, Mastercard and Visa. A chip embedded in the EMV card allows for authentication of the transaction on the card itself via a PIN number linked to the chip. South Africa introduced the system a few years ago, but it is only beginning to be a dominant safety standard in the USA.

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It is likely to be followed by a shift to tokenisation, which allows a random string of digits, linked to a card number, to be used once-off for the transaction, so that the card details are not stored by the merchant, and cannot be reused if intercepted.

Then, according to Miebach, “We move all the way to consumer self-authentication, or biometrics, and here it gets really interesting. I believe biometrics will be a critical factor to identify who is paying and who they are paying.”

Many smartphone users are already familiar with biometrics thanks to fingerprint recognition on newer smartphones. However, Miebach believes that facial recognition has the potential to be as big.

At Mobile World Congress in Barcelona in February, Mastercard demonstrated the concept of Selfie Pay, based on many smartphones having a camera that can recognise facial features. Instead of typing in a password, the user selects the Selfie Pay option, takes a photo with the front camera of the phone, and the transaction is authenticated. It’s already in use in California and the Netherlands.

In principle, there is little difference between biometric authentication like fingerprint and facial recognition on the one hand, and voice and iris scans on the other. It all comes down to the platform where the payment is being made, and which is the most natural form of authentication at that moment.

However, even the selfie does not offer enough convenience, says Miebach, as one still has to hold up the phone and take pic.

Raghav Malik, Senior Analyst in Enterprise Security Solutions doing a product demonstration of Identity Check in MasterCard stand at the Mobile World Congress in Barcelona, Spain, Monday, Feb. 22, 2016. The company displayed the future of payments for devices and wearables. (Carlos Alonso/AP Images for MasterCard)

Raghav Malik, Senior Analyst in Enterprise Security Solutions doing a product demonstration of Identity Check in MasterCard stand at the Mobile World Congress in Barcelona, Spain, Monday, Feb. 22, 2016. The company displayed the future of payments for devices and wearables. (Carlos Alonso/AP Images for MasterCard)

“How about if you have continuous proof of life, such as heartbeat patterns and continual authentication, based on wearables? It will be very intuitive and consumers won’t even notice it’s happening.”

There is one fundamental reason consumers would embrace this payments future, and why organisations like Mastercard are working so hard to turn it into reality.

“It sure beats the world of today with the range of passwords and user names we need to remember,” says Miebach. “That’s like having to guess who you are every time you make a payment.”

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  • Arthur Goldstuck is founder of World Wide Worx and editor-in-chief of Gadget.co.za. Follow him on Twitter and Instagram on @art2gee

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Android Go puts reliable smartphones in budget pockets

Nokia, Vodacom and Huawei have all launched entry-level smartphones running the Android Go edition, and all deliver a smooth experience, writes BRYAN TURNER.

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Three new and notable Android Go smartphones have recently hit the market, namely the Nokia 1, the Vodafone Smart Kicka 4 and the Huawei Y3 (2018). These phones run one of the most basic versions of Android while still delivering a fairly smooth user experience.

Historically, consumers purchasing smartphones in the budget bracket would have a hit-and-miss experience with processing speed, smoothness of user interface, and app stability. The Google-supported Android Go edition operating system optimises the user experience by stripping out non-important visual effects to speed up the phone. Thish allows for more memory to be used by apps. 

Google also ensures that all smartphones running Android Go will receive feature and security updates as they are released by Google. This is a major selling point for these smartphones, as users of this smartphone will always be running the latest software, with virtually no manufacturer bloatware.

Vodafone Smart Kicka 4

At the lowest entry-level, the Vodafone Smart Kicka 4 performs well as a communicator for emails and WhatsApp messages. The 4” screen represents a step up for entry-level Android phones, which were previously standardised at 3.5”.

The display is bright and very responsive, while the limited screen real estate leaves the navigation keys off the screen as touch buttons. It uses 3G connectivity, which might seem like an outdated technology, but is good enough to stream SD videos and music. Vodacom has also thrown in some data gifts if the smartphone is activated before the end of September 2018. 

Its camera functionalities might be a slight let down for the aspirant Instagrammer, with a 2MP rear flash camera and a 0.3MP selfie snapper. Speed wise, the keyboard pops up quickly, which is a huge improvement from the Smart Kicka 3. However, this phone will not play well with graphics-intensive games. 

Nokia 1

Next up is the Nokia 1, which adds a much better 5MP camera, improved battery life and a bigger 4.5” screen. It supports LTE, which allows this smartphone to download and upload at the speed of flagships. It also sports the Nokia brand name, which many consumers trust.

Although the front camera is 2MP, the quality is extremely grainy, even with good lighting. This disqualifies this smartphone for the social media selfie snapper, but the 5MP rear camera will work for the landscape and portrait photographer. 

The screen also redeems this smartphone, providing a display which represents colours truly and has great viewing angles. Xpress-on back covers allows the use of interchangeable, multi-coloured back covers, which has proven to be a successful sales point for mid-range smartphones in the past. 

Huawei Y3 (2018)

The most capable of the Android Go edition competitors, the Huawei Y3 (2018) packs an even bigger screen at 5”, as well as an improved 8MP rear camera and HD video recording. The screen is the brightest and most vibrant of the three smartphones, but seems to be calibrated to show colours a little more saturated than they actually are. 

Nevertheless, the camera outperforms the other smartphones with good colour replication and great selfie capabilities via the 2MP front camera – far superior to the Nokia 1 despite the same spec. LTE also comes standard with this smartphone and Vodacom throws in 4G/LTE data goodies until the end of September 2018. The battery, however, is not removable and may only be replaced by a warranty technician.

Comparing the 3

All three smartphones have removable back covers, which provide access to the battery, SIM card and SD card slots. The smartphones have Micro USB ports on the bottom with headphone jacks on the top. The built-in speakers all performed well, with the Y3 (2018) housing an exceptionally loud built-in speaker. 

Although all at different price points, all three phones remain similar in performance and speed. The differentiators are apparent in the components, like camera quality and screen quality. It would be fair to rank the quality of the camera and battery life by respective market prices. The Vodafone Smart Kicka 4 performed well, for its R399 retail price. The Nokia 1, on the other hand, lags quite a bit in features when compared to the Huawei Y3 (2018), bwith oth retailing at R999.

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SA gets digital archive

As the world entered the centenary of Nelson Mandela’s birth on Mandela Day, 18 July 2018, South Africa celebrated the launch of a digital living archive. 

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The southafrica.co.za  site carries content about the country’s collective heritage in South Africa’s eleven official languages.

Designed as a nation building,  educational and brand promotion web based tool, the free-to-view platform features award-winning photographic and written content by leading South African photographers, authors, academics and photojournalists.

The emphasis is on quality, credible, factual content that celebrates a collective heritage in terms of the following: Cultural Heritage; Natural Heritage; Education; History; Agriculture; Industry; Mining; and Travel.

At the same time as reflecting on the nation’s history, southafrica.co.za celebrates South Africa’s natural, cultural and economic assets so that the youth can learn about their nation in their home language.

Southafrica.co.za Founder and CEO Hans Gerrizen conceptualised southafrica.co.za as a means for youth and communities from outlying areas to benefit from the digital age in terms of the web tool’s empowering educational component.

“We can only stand to deepen our collective experience of democracy and become a more forward planning nation if we know facts about our nation’s past and present in everyone’s home language,” he says.

Southafrica.co.za, with sister company Siyabona Africa, is the organiser and sponsor of the Mandela: 100 Moments photographic exhibition that runs until 30 September at Cape Town’s V&A Waterfront-based Nelson Mandela Gateway to Robben Island.  The 3-month exhibition, which runs daily from 08h00 until 15h00, is showcasing one hundred iconic Nelson Mandela images taken by veteran South African photojournalist and self-taught lensman Peter Magubane.

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