Creating a User-Centric Mobile Payment Architecture
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Creating a User-Centric Mobile Payment Architecture

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Payment architectures are no longer flat experiences that are static for all users. Mobile experiences have become personalized, providing an identity infrastructure to promote payment ease for users. ...

Payment architectures are no longer flat experiences that are static for all users. Mobile experiences have become personalized, providing an identity infrastructure to promote payment ease for users. Through the lessons learned from a mobile first PayPal product overhaul, we'll explore how identity and in-app purchasing coalesce to create a scalable mobile payment infrastructure, looking into how building cross-platform payment personalization increasing user ease and revenue.

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  • We are in an age of intense personalization
  • There are two things you need to offload complexity from the mobile experience. If there is a question
  • I started out working at Y! with a lot of auth systems, you might know them better as these things (show buttons)
  • I started realizing when I would build applications that besides a username, the rest of the info from these people was garbage, because of this… (show picture of a royalfetus profile)We’re in an age where are children have a social footprint before they are ever born…and that’s a much different world than the one I grew up in.
  • Social login is
  • It comes down to the difference between concrete user identity and socialized (curated) identity
  • It comes down to the difference between concrete user identity and socialized (curated) identity
  • It comes down to the difference between concrete user identity and socialized (curated) identity
  • Removing the registration form
  • This is what we’re doing through log in with PayPalWe’re also exploring capabilities to expand identity beyond those means
  • Adding in time interaction to identifying usersCalendar time + interaction rates with content
  • Commonality overlap
  • Identity targeting allows you to create personalized experiences for the users, but if it’s social based you can be getting anyonehttp://sales.artcony.com/2012/08/how-to-immediately-add-10-30-profits-using-up-sell-cross-sell-and-bundling-strategies/http://thefik.com/en/post/how-to-increase-sales-with-recommended-products-cross-selling/
  • Personalization allows you to take shortcuts for your users (signups, checkouts, etc.)
  • Reduce dropoff ratesI’ve seen numbers as high as 71% during registration: http://www.optimizationtoday.com/web-analytics/what-is-abandonment-rate/23% of customers abandoned carts when asked to register (Forrester)…At five questions, the drop-off rate is 2 percent; at 10 questions, 4 percent, and so on. Only at about question 35 does the correlation end (Kevin Hale, Wufoo)
  • Fixing the drop rates (taken from AB testing information: http://www.inman.com/2011/01/12/increase-online-conversion-rates/)Simplifying the form layoutsDisplaying relevance to users
  • Using card.io for scanning credit card information for processing

Creating a User-Centric Mobile Payment Architecture Creating a User-Centric Mobile Payment Architecture Presentation Transcript

  • Creating a User-Centric MobilePayment ArchitectureJonathan LeBlanc (@jcleblanc)Head of Developer Evangelism (North America)PayPal | Developer
  • The Age of Online Identity
  • Developer efficiency task 4Offload complexity to the implementingproviderOffload Complexity
  • Identity as a Mobile FoundationSocial Login Systems
  • Lots and Lots of Fake Data
  • Identity is Not Facebook
  • Identity is Not Even PayPal
  • These Are Simply Just Tools
  • User Curated Identity
  • Concrete Identity
  • Moving Identity ForwardUsing Identity to Remove Login
  • Identity to Remove Registration
  • How We’re Handling Identity
  • Time Interactions and Identity
  • InterestsUser AInterestsUser BInterestsCommonExpanding Identity via Commonality
  • Personalized RecommendationsOptimists consider that up to a 30% ofecommerce sales increase is thanks tocross-selling recommended productsfikobservatory
  • Identity is Mobile FoundationPersonalization for User Shortcuts
  • 23% of customers abandoned carts whenasked to register (Forrester)…At five questions, the drop-off rate is 2percent; at 10 questions, 4 percent, andso on. Only at about question 35 does thecorrelation end (Kevin Hale, Wufoo)
  • Fixing Mobile Form Drop Rates
  • Further Reducing Friction
  • Thank You!Jonathan LeBlanc (@jcleblanc)Head of Developer Evangelism (North America)PayPal | Developer