Links to quotesMirek.kula: http://daa.ec.europa.eu/content/rightful-role-nfc-mobile-services-and-how-get-thereNebo.d: http://daa.ec.europa.eu/content/low-value-payments-elephant-room-2012Eurosmart: http://daa.ec.europa.eu/content/security-mobile-devices-applications-and-transactionsHenryk, Engberg: http://daa.ec.europa.eu/content/mobile-payments-and-wallets
Headlines from the group ”E-commerce”Key data on online engagement: platformOn platform: 62 members, 26 discussions, 127 comments1 special initiatives: Discussion paper about trustmarks (20 comments) Most discussed: Most active:Mobile payments and wallets 36Electronic marketplace? (App store, Android market, Thierry NabethAmazon, ...) 14 Stephan EngbergE-commerce in the EU - so whats the issue? 9e-Commerce and Open Data 5 Henryk KulakowskiTax harmonisation 4 Jeremy MearsTrustmarks 4
Key data on online engagement: twitterMost Most activeRT
Headlines from the group ”E-commerce”Topic 1: E-commerce barriersChallenges• How do small e-tailers get discovered and trusted, especially cross-border? -> Topic 2• How do e-tailers deal with the plethora of payment methods in Europe• How can we make it easier to find online products?• How do we change VAT to create a level playing field for merchants?• Contract law is inhibiting some e-commerce sectorsActions recommended and commitments made• Payments – many commercial online payment aggregators (MyBank, iDeal, Skrill, Adyen, Wirecard, WorldPay, GlobalConnect…..and many more)• VAT shifting from merchant to consumer domicile basis – reduces impact of merchant location• Find products online - support the use of semantic meta-data that enable simpler, (and automated) integration of e-commerce data (eg OpenFoodFacts in France).• Businesses, particularly SMEs must support the proposed European Sales Law (to prevent contract law inhibiting ecommerce)
Highlighted quotesYstats: In Eastern European B2C E-Commerce, many payments are still made incash, but the Eastern European market for online payments continues to grow.Gianluigi Cuccureddu: Markets in general and Europe especially does NOT gainfrom this massive concentration of power with middlemen brokers in infrastructuretaking all the profits [related to travel aggregation sites)Rebentisch: A supply side "right to appear" corresponds to the user-centricinterest to find relevant content. It is better for the search intermediaries to servethe users than the providers of contentLaurence: VAT and other taxes vary considerably across the EU. This frequentlyimpacts where e-commerce and other digital media business locate themselves.European Blind Union: E-payments all currently present features that make theminaccessible to people with sight loss.ERADARtweet: Its a scandal and damaging to the European Single Market thatthe majority of e-commerce cross border contracts are still failing for one reason oranother.Gianluigi Cuccureddu: From a customer point of perspective, if a local (national)organization can provide a good, why should they look beyond?
Headlines from the group ”E-commerce”Topic 2: Trust and trustmarksChallenges• Create a stakeholder owned trust mark scheme for Europe to level the playing field for small retailers and increase cross-border e-commerce• Fraudulent websites contain the most “trustmarks”• Trustmarks to prove non-fraudulent sites, or to show level of service?• Scepticism that trustmarks can work at allActions recommended and commitments made• Many trustmark initiatives have been proposed to the EU• Rationalisation needed – some countries have too many trustmarks (eg NL)• Some doubt the ability of a trustmark to work• Create a European trusted e-commerce marketplace (a defacto trust mark)
Highlighted quotesAndrew McLelland: beware of asking online businesses to display lots of badgeson their sites. Online real estate is just as valuable as its counterpart in-store.AnkaL: When I try to buy on webstores in the EU I usually put a lot of effort to findwhether the webstore is "real" or phishing.griff (forwarding verbal comments): Amazon is a retailer AND a marketplaceowner. Some e-commerce retailers are telling me that this is unfair competitionYstats.com: A Europe-wide mandatory online shop security accreditation systemmight be the answertbikeev: engberg is also right in noticing that trust-mark would not change muchhere (re Amazon/eBay dominance).PolicyBloggers: while the motivations are good .. the reality may be harder ..what if each region EU LATAM USA Japan INDIA CHINA create similarregulations for their own regions…EMOTA: traders need to spend more efforts than ever on satisfying consumerexpectations regarding the quality of products and servicesNabeth-thierry: Do we have anything about supporting the development ofelectronic marketplace in EuropeTonyfish: On trust - this is a bit of rabbit hole as we would love to think we cancode Trust and write the algorithm but we cannot.
Headlines from the group ”E-commerce”Topic 3: Mobile payments – need and privacyChallenges• Is there a need• Simple replacement of cards won’t work• Most suggested schemes relay on selling user data – what about privacy?• Smartphones are still not ubiquitous – need to work on regular phones tooActions recommended and commitments made• Most solutions are specific company sponsored infrastructure -> see topic 4• Decide level of policy intervention needed, if anyHighlighted quotesEngberg: show me just one way available for empowered citizens to pay withoutthey and the provider loosing data control, ie. without linking who with what to a3rd party?Henryk: …we should look for other, widely available technology/solutions [thanNFC]. If m-payment wants to be a service for mass-market….. Can m-payment beas simple as phone call? In my opinion - yes it can.
Headlines from the group ”E-commerce”Topic 4: Mobile payments - methodsChallenges• Security• Standards and Ubiquity• Communicate via RF/camera/other or via mobile internet (pre-registered)• Role of telco, bank, merchant, technology supplier (GOOG, AAPL etc)• Payment mechanism must work across Europe (ie not just credit card linked)Actions recommended and commitments made• To enable cashless low value payments, reduce payments infrastructure cost rather than just moving it around the value chain• Many, many suggested schemes from banks, telcos, technology companies, retailers.
Topic 4: Mobile payments - methodsHighlighted quotesMirek.kula: Several last years have been called the Year of NFC, and yet, thusfar, there is not much to celebrate. Why? Will this change? If so, how?Nebo.d: the move to electronic payments …is running into a roadblock due to apayment system architecture dating from the 1970’s and a cost structure that isincompatible with very small, high volume transactions…With over 70% of cashretail purchases being low value payments in Europe, you can see the urgency infinding a solution to this problemEurosmart: Security and interoperability are key factorsHenryk: We should enable access to bank accounts for independent paymentproviders…GSM network have a lot of features which can help to better secureand simplify m-payments without additional expensive or inconvenient technology.But not all are commercially available….. in my opinion NFC m-payment will existbut will not dominate the market. Why? Because is competitive to cheapercontactless cards and cant be remote.Engberg: NFC is not a payment technology, but a low-security communicationprotocol. The very idea of using proximity as authoisation is invititing to fraud.