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What is your Mobile App Strategy?

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An overview of the mCommerce market, and ROAM Data's capabilities.

An overview of the mCommerce market, and ROAM Data's capabilities.

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  • This is the pie, This is the shift, This is the opportunity – don’t miss it, a number of companies “missed the e-commerce boat” – e.g., Verifone, Hypercom, …+ NCR?Which businesses will take what piece of the pie? ROAM will be the rails for helping business take their piece of the pie
  • This is the pie, This is the shift, This is the opportunity – don’t miss it, a number of companies “missed the e-commerce boat” – e.g., Verifone, Hypercom, …+ NCR?Which businesses will take what piece of the pie? ROAM will be the rails for helping business take their piece of the pie
  • U h;hh.;h;.
  • ROAM’s patented ROAMplayer is the key to our client’s scalability and flexibility. We worry about porting the player to a new phone or device, and once it’s done, all applications can now run on that device.
  • ROAM helps its client’s mobile strategy in many ways. Our platform can be utilized by multiple divisions within our client’s organization, allowing the entire organization to leverage our player technology.First, we have a solution that is perfect for the mobile small business owner. For those large clients that have a significant base of small businesses in their mailing list or customer base, say contractors, direct sellers, or other businesses that travel, we can help them co-market a merchant account solution that is designed specifically for their mobile business needs.Second, with our background in mobile and payments, we have a solution that a company with a credit arm can use to give its customers the ability to access their account on their mobile phone to view balances, check transactions, and pay their bill on the phone that they already own.Thirdly, our platform is device agnostic, running not only on mobile phones, but on all types of POS terminals, allowing multi-lane retailers with a quick to market line-busting opportunity. Our platform can be ported to a mobile POS terminal and integrated with your POS and inventory systems relatively quickly, with additional features, not native to the terminal available (like reverse phone lookup, and dynamic updates)Finally, the coup des gras, is our ability to give a company a mobile app, not only on the iPhone, but on hundreds of phones that their customers already own. This application is not just a marketing tool, but a sales channel, with the built in capability to securely process transactions on the phone your customers already own. Not only can customers buy on their phone, but with our push marketing feature, our clients can sent targeted messages to their customer base with offers that are actionable in two actions. Signing in and clicking to buy.
  • ROAM helps its client’s mobile strategy in many ways. Our platform can be utilized by multiple divisions within our client’s organization, allowing the entire organization to leverage our player technology.First, we have a solution that is perfect for the mobile small business owner. For those large clients that have a significant base of small businesses in their mailing list or customer base, say contractors, direct sellers, or other businesses that travel, we can help them co-market a merchant account solution that is designed specifically for their mobile business needs.Second, with our background in mobile and payments, we have a solution that a company with a credit arm can use to give its customers the ability to access their account on their mobile phone to view balances, check transactions, and pay their bill on the phone that they already own.Thirdly, our platform is device agnostic, running not only on mobile phones, but on all types of POS terminals, allowing multi-lane retailers with a quick to market line-busting opportunity. Our platform can be ported to a mobile POS terminal and integrated with your POS and inventory systems relatively quickly, with additional features, not native to the terminal available (like reverse phone lookup, and dynamic updates)Finally, the coup des gras, is our ability to give a company a mobile app, not only on the iPhone, but on hundreds of phones that their customers already own. This application is not just a marketing tool, but a sales channel, with the built in capability to securely process transactions on the phone your customers already own. Not only can customers buy on their phone, but with our push marketing feature, our clients can sent targeted messages to their customer base with offers that are actionable in two actions. Signing in and clicking to buy.
  • ROAM helps its client’s mobile strategy in many ways. Our platform can be utilized by multiple divisions within our client’s organization, allowing the entire organization to leverage our player technology.First, we have a solution that is perfect for the mobile small business owner. For those large clients that have a significant base of small businesses in their mailing list or customer base, say contractors, direct sellers, or other businesses that travel, we can help them co-market a merchant account solution that is designed specifically for their mobile business needs.Second, with our background in mobile and payments, we have a solution that a company with a credit arm can use to give its customers the ability to access their account on their mobile phone to view balances, check transactions, and pay their bill on the phone that they already own.Thirdly, our platform is device agnostic, running not only on mobile phones, but on all types of POS terminals, allowing multi-lane retailers with a quick to market line-busting opportunity. Our platform can be ported to a mobile POS terminal and integrated with your POS and inventory systems relatively quickly, with additional features, not native to the terminal available (like reverse phone lookup, and dynamic updates)Finally, the coup des gras, is our ability to give a company a mobile app, not only on the iPhone, but on hundreds of phones that their customers already own. This application is not just a marketing tool, but a sales channel, with the built in capability to securely process transactions on the phone your customers already own. Not only can customers buy on their phone, but with our push marketing feature, our clients can sent targeted messages to their customer base with offers that are actionable in two actions. Signing in and clicking to buy.
  • ROAM helps its client’s mobile strategy in many ways. Our platform can be utilized by multiple divisions within our client’s organization, allowing the entire organization to leverage our player technology.First, we have a solution that is perfect for the mobile small business owner. For those large clients that have a significant base of small businesses in their mailing list or customer base, say contractors, direct sellers, or other businesses that travel, we can help them co-market a merchant account solution that is designed specifically for their mobile business needs.Second, with our background in mobile and payments, we have a solution that a company with a credit arm can use to give its customers the ability to access their account on their mobile phone to view balances, check transactions, and pay their bill on the phone that they already own.Thirdly, our platform is device agnostic, running not only on mobile phones, but on all types of POS terminals, allowing multi-lane retailers with a quick to market line-busting opportunity. Our platform can be ported to a mobile POS terminal and integrated with your POS and inventory systems relatively quickly, with additional features, not native to the terminal available (like reverse phone lookup, and dynamic updates)Finally, the coup des gras, is our ability to give a company a mobile app, not only on the iPhone, but on hundreds of phones that their customers already own. This application is not just a marketing tool, but a sales channel, with the built in capability to securely process transactions on the phone your customers already own. Not only can customers buy on their phone, but with our push marketing feature, our clients can sent targeted messages to their customer base with offers that are actionable in two actions. Signing in and clicking to buy.
  • Consumer facing apps. Merchants – talk to the Marketing / e-commerce side of the house. We know each phone, so we know each phone holder. Market to THEM. Cross channel integration. Drive traffic to store, or complete the sale on the phone. Securely.
  • Mobile Banking. Transfer funds, look up balances. I’m a BoA customer and I use their iPhone app more than I log into their website. Now we can extend this service to all the other phones we support.
  • Mobile Banking. Transfer funds, look up balances. I’m a BoA customer and I use their iPhone app more than I log into their website. Now we can extend this service to all the other phones we support.
  • Mobile Banking. Transfer funds, look up balances. I’m a BoA customer and I use their iPhone app more than I log into their website. Now we can extend this service to all the other phones we support.
  • Mobile Banking. Transfer funds, look up balances. I’m a BoA customer and I use their iPhone app more than I log into their website. Now we can extend this service to all the other phones we support.
  • Mobile Banking. Transfer funds, look up balances. I’m a BoA customer and I use their iPhone app more than I log into their website. Now we can extend this service to all the other phones we support.
  • And not only that but we can update our client’s applications in real time on the fly without having to re-certify and re-build for every phone type and carrier. Our solution is future-proof.
  • As an overview…
  • We have 4 key breakthroughs that solve these issues.We have solved the complexity of having all these devices and carrier certifications through our platform. With ROAM, we worry about the devices so our clients can worry about their core business. We give our customers the ability to have their apps on hundreds of different phones, and we give them the ability to update those apps as easily as you change your music or video on your windows media player.Not only do we understand the mobile space, our player can also integrate into a company’s web-enabled back end systems to “mobilize” anything a company wants to. From extending their storefront, to CRM, inventory lookup, our platform can quickly integrate with a company’s systems without significant changes to their database and structure.Not only can we give our clients an app that runs on hundreds of phones, we also have a PCI certified payment gateway, so our client’s apps can accept credit cards, and process payments. We’ve also included other web services like Reverse Phone Lookup and Voice-to-Text to improve our client’s experience and reduce the keystrokes the person with the phone has to make to process a purchase. I’ll talk more about this later.This could be enough, but we are a full service company. Not only do we work with out clients to create the app, we work with them to update and upgrade it, get it on more and new phones, and train our clients on technical support.
  • We have five libraries, ANSI, Objective C, J2ME, Android, and J2SEWe wrap each library in a UI for a particular phone OS so that our applications can use the indigenous widgets on each platform.ANSI is wrapped for Windows MobileObjective C is used for the iPhoneThe Java J2ME library is used for Blackberries, Verizon BREW phones, and all feature phonesThe J2SE library is used for our virtual terminal on a PC, MAC or Linux manchineThe Android Library is used… for Android.
  • Our clients have their internal systems, order entry, inventory, crm, etc..., with an API to access them. We wrap that API in web services and release whatever subset of their API’s our client wants to mobilize and send it to our gateway through a VPN connection past their firewall. From there, we put it together in a app that runs on the ROAMplayer and our client’s systems are now mobilized.
  • Traditional architecture that most people use today are not scalable. If someone wanted to develop an iPhone app, they would need to use internal or external resources with the right skills for Apple Development in Objective C, and go through the whole development and integration, QA and certification process, and deploy to the app store. Then convince customers to use it through marketing dollars and efforts. This covers 4.9% of the average phone users, while the other users are frustrated they can not get it. Wasting marketing resources. If they want more reach to other phones, they’d have to go through the whole process again, for each operating system and each device and carrier which are all different in process. If they wanted to make any changes and update their apps, they need to start all over again one device at a time. What if they want to integrate more functions later? Or add 3rd party applications for processing payment types, or value added functions, CRM, Social Media into their offering? It is virtually impossible with this architecture. Way too complex. Not scalable as you can see in this diagram. Some companies have spent Millions trying to deploy and support their own mobile apps on a few mobile operating systems and on a few carriers, and are stuck in limited coverage and functions.
  • ROAM’s patented platform solves this complexity by being a write once, run anywhere environment. Any time our client wants to update their app, they can do so without having to recertify, since it’s the player that’s certified. The application running on the player remains dynamic.

What is your Mobile App Strategy? What is your Mobile App Strategy? Presentation Transcript

  • Mobile Strategy
  • mCommerce is hot right now
    People are saying that mCommerce is where eCommerce was 10 years ago.
    1999
    2007
    Source: US census
    But if you look at the numbers…
  • The market is bigger.
    There are already 3 billion devices in the market today that can funnel mCommerce transactions, and mCommerce adoption is running 5X faster than eCommerce
  • % of Phone Market
    *Smart phones
    #Google’s Android platform is open source. Samsung, Motorola and LG all have Android phones
    ^ From Joel West, San Jose State University Smartphone Platform Competition slideshow
  • Major players in the market
  • Smartphone as % of market
    Source: Joel West, San Jose State University
  • mCommerce
    “…to exceed 1 Billion users and $1 Trillion in transactions by 2014” *
    *Source: IE Market Research 3Q 2010
  • Who will win which piece of the pie?
    Overall Commerce
    eCommerce
    mCommerce
    2015 & beyond
    eCommerce
    2010
    Commerce pie is finiteand it is shifting…
    eCommerce
    2000
    mCommerce
    2010
    1997
    *Source: IE Market Research 3Q 2010
  • Payments-Enabled Smartphones
    9
  • Mobile Phone Market Summary
    Smart phones are only 23% of market today, but growing
    Mobile devices far outnumber computers as access points to internet / data / money transfers
    Multiple OS’s (iPhone, Blackberry, Android, Windows 7) that are incompatible vs. computers (Mac, Windows, Linux)
  • What is mCommerce?
    Moving payment and transaction data securely using a mobile device.
    Mobile Merchants
    Extended Workforce
    E-Tailers
    Use their phone to accept Credit Cards
    Access company’s systems on a mobile phone
    Put their storefront securely on their customer’s phone
  • Why hasn’t it taken off in the US?
    According to Forrester Research the largest barriers for use are:
  • Credit Card Security Concerns
    Most mCommerce solutions go through a mobile browser.
    Offer gets sms’d to the user’s phone and launches a mobile page for a web browser
    Anyone can use it, no authentication
    PCI-DSS, PA-DSS compliance issues
    Keyed entry vs. swiped
  • Fear of ‘klunky’ user experience
    Consider e-Mail
    How many people do you know that use e-mail in their phone’s browser?
    Too painful
    Scroll too much to read
    Wrong for theform factor
    Instead they use an e-mail client.
    Yahoo, G-mail, AOL all have applications for their user’s cell phones
  • Partner with Ingenico and ROAM Data to provide a mobile platform that best fits your growing needs
  • What is Ingenico ROAM?
    Partnership between Ingenico and ROAM Data, the leading mobile commerce services provider in the U.S.
    Goes beyond payments with patented technology. Delivering device independent, dynamic apps to virtually any mobile device
    Fully hosted service, PCI-DSS & PA-DSS Compliant, 1 stop shop
    Based in Boston, founded in 2005 by seasoned payment and mobile industry experts from MIT and Carnegie Mellon
  • The future of Mobile Commerce does not go through a browser.
    Have you ever tried to buy buy something on your phone?
    UI inconsistent
    Scrolling to get to fields outside of window
    Too many pages
    Need a browser on your phone
    Limits the # of phones you can reach
    No off-line mode
  • ROAM’s award winning, patented and secure Player technology gives it the leg up
  • ROAM Patented Technology
  • Time to Market Advantages
    ROAM’s mobile Player middleware technology allows write once-run anywhere capabilities.
    ROAM’s IDE pulls APIs from web-services to quickly create custom applications that run on hundreds of devices.
    We can deploy faster and enter new markets quicker than our competitors.
  • Breadth of Devices
    ROAM’s mobile Player technology allows the same application to run on many different operating systems and hardware configurations.
    Hundreds of mobile phones on the market today.
    PC and Mac Virtual Terminal
    Dedicated POS terminals and devices
    Encrypted audio swiper fits into audio jack.
    Not built for one particular form factor.
  • Service that Follows the User
    Our product is a service.
    When a merchant changes phones, the service follows them.
    ROAM provides all technical support
    Provisioning the merchant’s devices
    Certifying new phones in the market
    ROAM takes care of mobile, soyoucan focus on your payments business
  • What Ingenico ROAM offers for mCommerce
    Mobile
    Merchant
    Solutions
    Ingenico ROAM
    Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go.
  • The Mobile POS market
    24
    • 27 million small business owners in the US – 78% of total businesses
    • 15% currently have a merchant account (our solution will help increase this number)
    • What % of this new segment can your sales staff talk with?
    • What % can they close?
    ****Note opportunity to tap existing merchant base beyond new merchant base. (Existing merchants who want mobile, requires creative marketing.)
    27,000,000
    4,050,000
    ?
    ?
  • Based on Merchant Category Code (MCC)
    MCC is the same as SIC Codes
  • Target Markets-US
    45,000 private detectives
    232,000 taxi drivers
    308,000 HVAC installers, 54% worked for contractors, 16% self-employed
    221,000 artists, 60% self employed
    72,000 interior designers
    152,000 photographers, 80,000 + self employed
    49,000 chiropractors, 44% self employed
    170,000 psychologists, 34% self employed
    74,000 self employed sales reps
    550,000 plumbers , 12% self-employed
    695,000 electricians, 9% self-employed
    51,000 Home entertainment installers
    1.7 million home health aides
    122,000 massage therapists
    1.2 million landscapers
    67,000 pest control workers
    1.3 million childcare workers,
    299,000 building cleaning workers
    261,000 health trainers
    Total of above: 6,360,000
    plus
    15,100,000 Direct Sellers in the US (AVON, Mary Kay, Amway, etc)
    Also target: Any IVR users, Virtual Terminal users, current low volume wireless merchants, Brick and Mortar Merchants for special events
    * From the US Bureau of Labor and Statistics
  • Small Business Owners
    Shorter sales cycle
    Not as price sensitive
    Not a lot of cash to invest
    27,000,000 of them
  • Competitive Landscape
    28
  • ROAMpay is PCI-DSS and PA-DSS certified
    Application outside of the browser. – allows each phone to be fully authenticated
    DES3 168 bit double encrypted data transfer
    In off-line mode, data is encrypted.
    The only encrypted audio swipe device in the market today.
    Technology and service model is patented
  • Customer-centric solution
    Your merchants can now conduct business where ever they are whenever they want, on the device they want.
    # of supported devices increases your potential reach into your target markets
  • ROAM’s got a consistent UI
    ROAMpay is a dedicated smart client like eMail
    Its own application
    Can be played on smart and non-browser enabled phones
    Same UI and transaction flow no matter the phone or carrier
    Look and feel can be customized to fit your needs
    Customer can change phones, and the service stays the same.
  • Main Menu Key Functions, Select “Credit Sales”
  • Log Notes, email Receipt as Option
  • Detailed receipt emailed to merchant and to customer (all data tracked on system)
  • Off-line capabilities
    Your clients can also accept credit cards and other business information while in off-line mode
    Once back in service, the encrypted stored data will be sent to the servers for authorization and processing.
  • What Ingenico ROAM offers for mCommerce
    Mobile
    Merchant
    Solutions
    Ingenico ROAM
    Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go.
    Mobile Wallet
    Solutions
    Allow cardholders to check balance, activities, receive alerts, make payments, and transfer funds on their mobile phone.
  • Mobile Banking/Mobile Wallet
    According to Berg Insight, 894 million Mobile Banking users by 2015
    In 2010, only 1,000 financial institutions out of 30,000 have a mobile banking application – Mobile Marketing Association
    Lots of room for growth
  • What Ingenico ROAM offers for mCommerce
    Mobile
    Merchant
    Solutions
    Ingenico ROAM
    Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go.
    Mobile Wallet
    Solutions
    Retail
    Solutions
    Allow cardholders to check balance, activities, receive alerts, make payments, and transfer funds on their mobile phone.
    Smart POS solutions, Contactless Enabled,
    dynamic updates with apps that can tie systems together
  • Extended Workforce market
    Direct Sales companies
    Government agencies
    Pollsters
    Any company with a mobile workforce
    Apps to not HAVE to be payment related. We can extend CRM, Order Entry, reporting functionality
  • Enter QuantityAdd additional SKUs
  • Automatic Price Lookup From Server
  • To Calculate Total: Enter Zip code, Shipping Option, Discounts – if any
  • What Ingenico ROAM offers for mCommerce
    Mobile
    Merchant
    Solutions
    Ingenico ROAM
    Mobile
    Consumer
    Solutions
    Mobile merchant account solution for small businesses, and other functions - easier ways to do business on the go.
    Your mobile storefront and actionable offers to hundreds of phone models your customers carry.
    Mobile Wallet
    Solutions
    Retail
    Solutions
    Allow cardholders to check balance, activities, receive alerts, make payments, and transfer funds on their mobile phone.
    Smart POS solutions, Contactless Enabled,
    dynamic updates with apps that can tie systems together
  • E-Tailers
    Large retailers with web presence
    E-tail only
    Current apps
    Drive purchases to mobile web
    Drive customers to store
    ROAM solution can turn mobile into Sales Channel.
    Capture impulse purchase in fewest clicks, securely, on the device your customers already own.
    Push marketing capable – send targeted offers, to capture additional revenue.
  • For Consumers To Buy on their Mobile:Merchants can deliver their mobile storefront and offers to their best customer’s handsets
    Convenience for Consumers!
    • Get immediate access to detailed product and pricing information.
    • Navigate through a catalog to buy
    • Special Offers / Coupons that are actionable!
  • ROAMbuy API Examples(Buy from Mobile App, or Adds)
    1. Hit “Buy” on the ad 2. Confirm Product 3. Enter Order Parameter(s)
  • ROAMbuy API Examples(Convenient Purchase & Fulfillment!)
    1. Confirm Purchase 2. Secure ROAMpay 3. Fulfillment & receipt
  • ROAMbuy API Examples(PULL usage, “Value of the Day”)
    1. PULL-“Value of Day” 2. See Deals/Overstock 3. Buy with Convenience
  • ROAMbuy API Examples(PUSH Marketing, Target Customers)
    1. PUSH Marketing 2. Targeted for Customers 3. Impulse Buy
  • ROAMbuy API Examples(Buy Instantly or Drive Store Traffic)
    1. PULL-“Value of Day” 2. Buy on the Spot 3. Redeem Coupon in store
  • Beyond Player Apps
    ROAMplayer middleware gives ROAM clients the reach across hundreds of devices
    Larger clients also want to invest in using the widgets inherent on certain devices (iPhone, iPad, Android, etc…)
    Most dedicated apps don’t have full payment and order fulfillment capabilities
    Many embed their e-commerce site within their app, or link to it from their app.
    For them we have the ROAMbuy API
    53
  • Partnership
    You
    Ingenico
    ROAM Data
    Building beyond 2011
  • Backup slides
  • Only ROAM Updates Your Apps Easily and Instantly Across All Supported Devices… why be bounded?
  • ROAM Competitive Advantages & Patented Differentiations
    Technology Advantages:
    Device agnostic vs. device specific
    Dynamic vs. static applications
    Peripheral capable (voice, card reader, NFC, etc.)
    Push capable (for enterprise users or cardholders)
    IDE for rapid Application Development
    Services Advantages:
    Full mobile services provider for your end-users
    Full payment gateway provider , PCI Certified & Secured
    Services Compatible with other 3rd Party Vendors
  • Built-In Payments
    & Other Web Services.
    4
    2
    3
    1
    Dev & Integration to Legacy Easy: Easy Web Services Integration, Non Invasive, Hosted IDE, Easy & Fast to build, manage, add new applications
    “Service The End Users”: Provisioning, Rights Mgmt, Fully Hosted Services & Support
    The
    Cloud
    ROAM’s4 Key Breakthroughs, To Deliver Scalable Mobile Commerce
    Devices Complexity Resolved: Device & Network Agnostic, Secure, Easy to Use! Interactive, Peripheral Enabled, Dynamically Update Your Apps, Push Capable
  • Device Complexity Solved
    UI
    UI
    UI
    UI
    UI
    ANSI
    C
    Library
    J2SE
    Android
    ANSI
    Objective C
    J2ME
    Objective C
    UI
    UI
    J2ME
    PC/MAC
    Virtual Terminal
    Library
    J2SE
    Android
    59
  • Device Complexity Solved
    60
  • Integration with Legacy Systems
    61
    The Cloud
    Web Service
    Systems
    API
    Subset of API
  • Built in Payments
    Our PCI certified payment gateway decrypts the second key and processes the transaction, getting authorization from one of our payment platform partners
    Our mobile gateway decrypts the first key and sends the single encrypted data to our payment gateway
    3DES Key 2
    PCI
    PCI
    We double encrypt all data as it’s entered on the device
    Payment Gateway
    3DES Key 2
    3DES Key 1
    3DES Key 1
    3DES Key 2
    3DES
    Confirmation of authorization is sent back to the device using 3DES encryption
    62
  • Traditional Mobile App Architectures Do NOT Scale for Even One App, Let Alone Many Changing Apps
    Integration & Testing
    Integration & Testing
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    iPhone App #1
    J2ME App #1
    RIM
    App #3
    RIM
    App #2
    Android App #1
    WinMobApp #1
    RIM
    App #1
    Brew
    App #1
    What About
    Enterprise &
    Commerce Apps?
    3rd Party Apps???
    Integration & Testing
    Dev, Certs, Boarding
    Dev, Certs Boarding
    Dev, Certs, Boarding
    Payment Processor #2 (Prepaid)
    Payment Processor #3 (checks)
    Processor #4
    Processor #5
    Payment Processor #1 (Credit)
    App Developer#1: iPhone
    App Developer #2: J2ME
    App Developer Symbian
    App Developer Palm
    App Developer #3Android
    App Developer WinMobile
    App Developer RIM
    App Developer Brew
    Enterprise
    App #1 with Payments
    Enterprise
    App #1 with Payments
    Enterprise
    App #1 with Payments
    Enterprise & Commerce
    App #1
    Marketing & Revenue Share
    Marketing & Revenue Share
    Marketing & Revenue Share
    App Changes, Services
    App Changes, Services
    App Changes, Services
    Integration & Testing
    Dev, Certs, Boarding
    Marketing & Revenue Share
    App Changes, Services
    Integration & Testing
    Dev, Certs, Boarding
    Marketing & Revenue Share
    App Changes, Services
    Integration & Testing
    Dev, Certs, Boarding
    Marketing & Revenue Share
    App Changes, Services
  • ROAM Approach: Highly Scalable! Write Once, Run Everywhere! Update Anytime! As-A-Service!
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    App #2
    J2ME App #3
    J2ME App #2
    J2ME App #1
    iPhone App #1
    RIM
    App #3
    RIM
    App #2
    Android App #1
    WinMobApp #1
    RIM
    App #1
    Brew
    App #1
    Enterprise & Commerce
    App #1
    Enterprise & Commerce
    App #1
    Enterprise & Commerce
    App #1
    Payment Processor #1 (Credit)
    Enterprise & Commerce
    App #1
    Payment Processor #2 (Prepaid)
    Payment Processor #3 (Checks)
    Processor #4
    Processor #5
    Enterprise & Commerce
    App #1
    ROAM
    Mobile
    Platform &Services
    Dev, Certs, Boarding
    Integration & Testing
    Marketing & Revenue Share
    App Changes, Services
    .
    .
    .
    . . .