ADN’co Payments Insight – November 2012

The Emerging Industry of Paperless Luncheon Vouchers

• FRANCE – Leading French luncheon voucher issuers are reacting to Moneo Resto payment card.
• FRANCE – Yet another paperless initiative on this market, Resto Flash uses mobile QR-code scanning for payment validation.

The vouchers market is being disrupted those days. Longstanding industry leaders are now making their moves: Edenred started pilot testing new mobile-based paperless vouchers in Italy, again upholding its know-how. This trend towards dematerialisation also applies to the other special payment vouchers, including gift cheques and holiday vouchers.

Helping Customers with Technological Devices

• FRANCE – The RATP and SNCF are enabling online Navigo reloading through Gemalto provided readers.

Leading Kenya Telco Safaricom Enhancing its range of Offers

• KENYA – Considering M-Pesa’s popularity, Safaricom is now getting involved in saving capabilities and loans subscriptions and prepares an m-banking service with the privately owned bank CBA.

French Start-up Taking its Know-How in Biometrics to the US Market

• US – The American network Discover is about to test Natural Security’s biometric devices in POS payments contexts.

Mobile Card Acceptance: Square’s New Rivals

• US – Bank of America, follows in Squares footsteps, and focuses on a mobile cash collection app, Mobile Pay on Demand, with associated dongle for small merchants.

The multisectoral mobile card acceptance market is still on the move, and banks start proposing their own light POS devices offers. As they do not necessarily benefit from the required in-house skills, they rely on technical partners and service providers. BNP Paribas Fortis (Belgium) and Ingenico for instance are rolling out mobile acceptance services for small merchants too.