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MWC: Study shows people want “always-on”, social, payments

Want to grab that purchase and go? You’re not alone. Today more than ever, people are living an increasingly digital – and mobile – life and they expect their ability to pay for their needs and wants to match that same “always on” mindset, according to social media conversations identified in the 2019 edition of the Mastercard Digital Payments Study. The research was released at Mobile World Congress in Barcelona last week.

Mobile payments represented more than 30 percent of the total social media conversation around payments in the Middle East and Africa, with total mentions doubling over the prior year.

Now in its sixth year, the study, developed in partnership with PRIME Research, analysed more than 3.3 million conversations globally and 90,000 conversations in the Middle East and Africa from the past year, across social media channels including Twitter, Facebook, Instagram and Weibo.

Interest in New Technologies

People are looking to newer technologies to have an impact on their lives. In the past year alone, such mentions on social media increased 30 percent globally since the last study. Today, nearly 20 percent of all mobile commerce payments are focused on contactless payments and mobile wallets. Beyond these primary focus areas, consumers are interested in how artificial intelligence, QR payments and wearable payments will impact their lives.

Overall, people are increasingly positive toward these newer technologies. In the Middle East and Africa, virtually all (95 percent) mobile wallet conversations were favorable, with 22 percent of posts praising the speed, efficiency and simplicity of these products.

“In the fast-evolving world of digital payments, it is crucial that we listen and understand the views of the people who ultimately use our solutions. The Mastercard Digital Payments Study highlights a willingness to adopt the latest payment technology solutions from users across the Middle East and Africa, and reinforces the increasingly important role that mobile payments play in everyday life,” said Gaurang Shah, senior vice president of Product Management, Digital Payments & Labs for the Middle East and Africa at Mastercard.

Primed for Action with Peace of Mind

Among the conversations analyzed, consumers clearly continued to be focused on the security of their money and their data as a foundational requirement. In their posts, people recognize the value of new technologies on delivering this peace of mind across mobile payments.

Looking at the newer technologies:

  • Biometrics reached a potential 111 million, driven primarily by an interest in voice payments and fingerprint scanners
  • Tokenization – and its critical role in supporting and protecting payments of all type – was featured in conversations reaching a potential audience of 11 million viewers

While breaking news around data breaches drove one-fifth of data-related conversations, another 13 percent of these conversations noted the potential of digital security technologies, including blockchain, tokenization and biometrics.

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Time is running out for Microsoft SQL Server 2008

Companies are urged to update from the dated database management software as it reaches the end of its support, writes BRYAN TURNER.

The 11-year-old Microsoft SQL Server 2008 database management software is reaching the end of its support on 9 July. The applications that use databases running on this software will be at risk of security and stability issues.

On self-managed databases, upgrading to the latest database version comes with a lot of risks. Many IT departments within companies go by the motto: “If it’s not broken, don’t fix it”.

Microsoft made it very clear that it would not be updating SQL Server 2005 after its extended support date and even left it vulnerable to Spectre and Meltdown by not releasing patches for the dated version.

Updating SQL Server versions may seem daunting, but the benefits far outweigh the effort it takes for a migration. In the last major version update, SQL Server 2016 introduced simpler backup functionality, database stretching, and always-encrypted communications with the database, to name just three features.

While backing up the database may be the last thing on the typical database administrator’s mind, it’s become increasingly important to do so. In SQL Server 2008, it’s clunky and causes headaches for many admins. However, in SQL Server 2016, one can easily set up an automated backup to Azure storage and let it run on smart backup intervals. Backing up offsite also reduces the need for disaster recovery for onsite damage.

Database stretching allows admins to push less frequently accessed data to an Azure database, automatically decided by SQL Server 2016. This reduces the admin of manually looking through what must be kept and what must be shipped off or deleted. It also reduces the size of the database, which also increases the performance of the applications that access it. The best part of this functionality is it automatically retrieves the less accessed records from Azure when users request it, without the need for manual intervention.

Always-encrypted communications are becoming more and more relevant to many companies, especially those operating in European regions after the introduction of GDPR. Encryption keys were previously managed by the admin, but now encryption is always handled by the client. Furthermore, the keys to encrypt and decrypt data are stored outside of SQL Server altogether. This means data stored in the database is always encrypted, and no longer for the eyes of a curious database manager. 

The built-in reporting tools have also vastly improved with the addition of new reporting metrics and a modern look. It includes support for Excel reports for keeping documentation and Power BI for automated, drag-and-drop personalised reporting. Best of all, it removes the dreaded Active X controls, which made the reporting in a webpage feel very clumsy and bloated in previous versions.

A lot has changed in the past ten years in the world of SQL Server database management, and it’s not worth running into problems before Microsoft ends support for SQL Server 2005.

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Local apps to feature in Huawei’s App Gallery

Huawei’s mobile app store, the HUAWEI AppGallery, will soon feature a multitude of apps and designs by local developers. The company says this is part of its drive to promote South African digital talent and include more useful apps for Huawei smartphone users. HUAWEI AppGallery and HUAWEI Themes are pre-installed on all the latest Huawei and Honor devices.

“South African consumers are increasingly wanting more apps that are relevant to their unique circumstances, addressing issues they experience regularly – such as load shedding or safety concerns – but also apps that celebrate South Africa’s multitude of cultures and this vibrant country,” says Lu Geng, director of Huawei Consumer Cloud Service Southern Africa Region.

Akhram Mohamed, chief technology officer of Huawei Consumer Business Group South Africa, says: “Huawei is committed to catering to the needs of South African consumers, but we also know that we do not have all the answers. For this reason, we aim to work closely with South African developers so that we can give our users everything that they need and want from their devices. At the same time, we also hope to create an open ecosystem for local developers by offering a simple and secure environment for them to upload content.”

Huawei Mobile Services was launched in South Africa in June last year. Since then, both the HUAWEI AppGallery and HUAWEI Themes – which features tens of thousands of themes, fonts and wallpapers that personalise user’s handset – have become increasingly popular with the local market. Even though it is a relatively new division of Huawei, there has been a great increase in growth; at the end of 2018 Huawei Mobile Services had 500 million users globally, representing a 117% increase on the previous year.

Explaining what differentiates the HUAWEI AppGallery from other app stores, Mosa Matshediso Hlobelo, business developer for Consumer Cloud Service Southern Africa says: “We use the name ‘HUAWEI AppGallery’ because we have a dedicated team that curates all the apps in terms of relevance and ease of use and to ensure that there are no technical issues. Importantly, all apps are also security-checked for malware and privacy leaks before being uploaded on to the HUAWEI AppGallery.”

Huawei recently held a Developers’ Day where Huawei executives met with South African developers to discuss Huawei’s offering. 48 developers registered their apps on the day, and Huawei is currently in discussions with them with the eventual aim of featuring the best apps and designs on HUAWEI AppGallery or HUAWEI Themes. The Consumer Cloud Service Southern Africa Team at Huawei plans on making Developers’ Day a quarterly event and establishing a local providers’ hub, where developers can regularly meet with Huawei for training on updates to programmes and offerings.

“We have a very hands-on approach with our developers, and hope to expand that community so we can become an additional distribution channel for more developers and expose them to both a local and a global audience,” says Geng. “For example, we regularly feature apps and designs from local developers on our Huawei social media pages, and do competitions and promotions. We want to do everything we can to make our Huawei users aware of these local apps and upload them. This will encourage the growth of the developer community in South Africa by giving developers more opportunities to generate revenue from in-app purchases.”

* Developers who would like their apps featured on the HUAWEI App Gallery, or designs featured on HUAWEI Themes, should visit https://developer.huawei.com or email Huawei Mobile Services on sacloud@huawei.com.

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