Eatechin Director, Payment and Merchant Solutions Jukka Sippola Verkkoteollisuuden maksuseminaarissa 24.4.2017. Katso esitys: https://livestream.com/ITstriimIT/maksaminen-verkossa/videos/154861041
Mitä on APIen hallinta ja miksi siitä kannattaa olla kiinnostunut? APIt luovat uusia liiketoiminnallisia mahdollisuuksia digitaalisessa maailmassa. APIt mahdollistavat uusia tuotteita ja rahavirtoja ja myös organisaation sisäisesti niitä voidaan hyödyntää innovaatioiden edistämiseen ja joustavuuden parantamiseen.
B2B-verkkokauppatutkimus: kuluttajistuminen ja monikanavaisuus keskiössä.
Kuluttajaverkkokaupat ovat jatkuvasti esillä, mutta B2B-verkkokauppoja ei ole juuri tutkittu. Tutkimuksella halusimme tunnistaa B2B-yritysten ajankohtaiset verkkoliiketoiminnan haasteet. Tutkimusta varten haastateltiin 84 verkkoliiketoiminnan kehittämisestä vastaavaa päättäjää.
Tutkimus osoitti, että yritykset nimesivät tärkeimmiksi kehitystarpeikseen monikanavaisuuden haltuunoton, asiakaskokemuksen kasvattamisen sekä ostohistorian ja asiakasprofiilin hyödyntämisen. Nämä ovat olleet jo muutaman vuoden B2C-verkkoliiketoiminnan kehityksen kärjessä. B2B-verkkokaupan kuluttajistuminen on jo kovassa käynnissä myös Suomessa.
Perehdy tarkemmin tutkimukseen tässä esityksessä tai osoitteessa http://www.descom.fi/?p=3023.
Many companies still consider web and apps two totally separate silos with different POs, contents, dev teams, design principles etc. It doesn’t have to be like this. Hence, combining web and app development and operations in a smart way has become one of my favourite topics recently.
In May 2019 I got to share my views at the E-handelsskola organised by DIBS at Retail Experience Live exhibition in Sweden. I was asked to talk about progressive web apps but since I feel they are not a viable solution yet, I ended up telling why and what you should do instead.
This is an extended edition of the slides I used at the event.
This was my summary of what I would currently suggest by default:
- Maximise usage of web-based content inside your app
- Leverage app stores as a delivery channel
- Leverage native for special tech as needed (push, sensors, proper camera etc.)
- Be ready to pivot to PWA if that takes off
DIBS Breakfast: How to create frictionless payment experiences Matias Pietilä
Slides for my presentation held at DIBS breakfast event 28.11. in Stockholm.
Mobile devices tend to cater for the major part of browsing on most consumer web services already.
When it comes to sales, however, the situation is worse. We often see mobile sales lag between one fourth and one third of total sales.
Thiks presentation contains some tips for improving the payment experience, especially in the mobile channel. Topics covered: credit card tokenisation, mobile wallets (especially Swish) and some PSD2 implications.
Eatechin Director, Payment and Merchant Solutions Jukka Sippola Verkkoteollisuuden maksuseminaarissa 24.4.2017. Katso esitys: https://livestream.com/ITstriimIT/maksaminen-verkossa/videos/154861041
Mitä on APIen hallinta ja miksi siitä kannattaa olla kiinnostunut? APIt luovat uusia liiketoiminnallisia mahdollisuuksia digitaalisessa maailmassa. APIt mahdollistavat uusia tuotteita ja rahavirtoja ja myös organisaation sisäisesti niitä voidaan hyödyntää innovaatioiden edistämiseen ja joustavuuden parantamiseen.
B2B-verkkokauppatutkimus: kuluttajistuminen ja monikanavaisuus keskiössä.
Kuluttajaverkkokaupat ovat jatkuvasti esillä, mutta B2B-verkkokauppoja ei ole juuri tutkittu. Tutkimuksella halusimme tunnistaa B2B-yritysten ajankohtaiset verkkoliiketoiminnan haasteet. Tutkimusta varten haastateltiin 84 verkkoliiketoiminnan kehittämisestä vastaavaa päättäjää.
Tutkimus osoitti, että yritykset nimesivät tärkeimmiksi kehitystarpeikseen monikanavaisuuden haltuunoton, asiakaskokemuksen kasvattamisen sekä ostohistorian ja asiakasprofiilin hyödyntämisen. Nämä ovat olleet jo muutaman vuoden B2C-verkkoliiketoiminnan kehityksen kärjessä. B2B-verkkokaupan kuluttajistuminen on jo kovassa käynnissä myös Suomessa.
Perehdy tarkemmin tutkimukseen tässä esityksessä tai osoitteessa http://www.descom.fi/?p=3023.
Many companies still consider web and apps two totally separate silos with different POs, contents, dev teams, design principles etc. It doesn’t have to be like this. Hence, combining web and app development and operations in a smart way has become one of my favourite topics recently.
In May 2019 I got to share my views at the E-handelsskola organised by DIBS at Retail Experience Live exhibition in Sweden. I was asked to talk about progressive web apps but since I feel they are not a viable solution yet, I ended up telling why and what you should do instead.
This is an extended edition of the slides I used at the event.
This was my summary of what I would currently suggest by default:
- Maximise usage of web-based content inside your app
- Leverage app stores as a delivery channel
- Leverage native for special tech as needed (push, sensors, proper camera etc.)
- Be ready to pivot to PWA if that takes off
DIBS Breakfast: How to create frictionless payment experiences Matias Pietilä
Slides for my presentation held at DIBS breakfast event 28.11. in Stockholm.
Mobile devices tend to cater for the major part of browsing on most consumer web services already.
When it comes to sales, however, the situation is worse. We often see mobile sales lag between one fourth and one third of total sales.
Thiks presentation contains some tips for improving the payment experience, especially in the mobile channel. Topics covered: credit card tokenisation, mobile wallets (especially Swish) and some PSD2 implications.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
This article is all about what AI trends will emerge in the field of creative operations in 2024. All the marketers and brand builders should be aware of these trends for their further use and save themselves some time!
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
This article is all about what AI trends will emerge in the field of creative operations in 2024. All the marketers and brand builders should be aware of these trends for their further use and save themselves some time!
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Beginners Guide to TikTok for Search - Rachel Pearson - We are Tilt __ Bright...
Case St1: Apple Pay käytännössä (Alma Talent)
1. Alma Talent: Tulevaisuuden maksutekniikat,
26.10.2017
CASE ST1: APPLE
PAY KÄYTÄNNÖSSÄ
MATIAS PIETILÄ, HEAD OF DESIGN, QVIK
#almatalent #maksutekniikat
@mpietila @qvik
2. ONNI OLLA TÄÄLLÄ TÄNÄÄN
LÄHELTÄ PITI
@QVIK@mpietila#almatalent #maksutekniikat
3. ONNI OLLA TÄÄLLÄ TÄNÄÄN
LÄHELTÄ PITI
@QVIK@mpietila#almatalent #maksutekniikat
4. NOW WE’RE SO MUCH MORE
WE WERE MOBILE FIRST
@QVIK@MPIETILA#ixdahel
TALLINK SILJAWHIM YLE UUTISVAHTI MUSTI JA MIRRIAURINKOMATKAT
10. MAKSUKORTIN
TOKENISOINTI
MISTÄ ON KYSE?
‣ Näkymättömän maksaminen mahdollistaminen
luottokorttitiedot tallentamalla
‣ Kolmas osapuoli hoitaa tarkkaan reguloidun kortin
tallentamisen
‣ Mahdollistaa myös toistuvaisveloitukset
MITÄ KANNATTAA HUOMATA?
‣ Teknisesti suoraviivainen, useita palveluntarjoajia
‣ Huomioi muutakin kuin komissiotaso
‣ Käyttäjälle vaivaa tallentaa kortti joka palveluun erikseen
@QVIK@mpietila#almatalent #maksutekniikat
VAIHE 1
13. MOBIILILOMPAKOT
MISTÄ ON KYSE?
‣ Mobiililompakot huolehtivat kortin
tallentamisesta keskitetysti
‣ Toimittavat myös yhteystiedot kauppiaalle,
mikä vähentää ostamisen kitkaa
MITÄ KANNATTAA HUOMATA?
‣ Suuri määrä toimijoita, saatavuus kaupoissa
ja kanavissa vaihtelee, sekava tilanne
kuluttajille
‣ Integraation taso vaikuttaa
käyttäjäkokemukseen – paras tapaa voittaa
@QVIK@mpietila#almatalent #maksutekniikat
VAIHE 2
14.
15. PSD2 JA UUDET TOIMIJAT JA ROOLIT
(PISP, AISP)
VAIHE 3
@QVIK@mpietila#almatalent #maksutekniikat
23. FINANSSIVALVONNEN EDUSTAJAN KOMMENTTI
YLEISÖSTÄ:
• Ei edellytä vahvaa tunnistautumista,
biometrinen tunnistaminen ollaan
hyväksymässä
• Turvarajat näillä näkymin muodostumassa
mielekkäiksi (vs. matkan varrella esillä
ollut jopa 10 euroa)
@QVIK@mpietila#almatalent #maksutekniikat
28. MIKSI APPLE PAY, MIKSI
OMA KORTTI?
‣ Halu palvella asiakkaita mahdollisimman
hyvin
‣ Korttien operointi itse tuo joustavuutta
‣ Konkreettien hyöty: kortin voi hakea
puhelimella ja saada käyttöön parissa
minuutissa
@QVIK@mpietila#almatalent #maksutekniikat
33. 1 KULUTTAJAN HYÖTY
KIVIJALASSA
‣ Maksaminen ilman korttia
‣ Tiukka integraatio laitteeseen: ei tarvetta
avata yhtään mitään
‣ Lähimaksu ilman 25 euron rajaa
‣ Turvallisuus ja turvallisuuden tuntu
‣ Ei tarvetta muistaa pin-koodeja
‣ Kortista välitetään kauppiaalle vain
kertakäyttökoodi (turvallisempaa)
@QVIK@mpietila#almatalent #maksutekniikat
1 2
3 4
35. 2 KAUPPIAAN JA
LIIKKEELLELASKIJAN
HYÖTY KIVIJALASSA
‣ Toimii suoraan (rauta + softa)
‣ Tarjotaan asiakkaalle tämän suosima
maksutapa
‣ Lähimaksulla nopeammat kassatapahtumat
‣ Parempi turvallisuus (liikkeellelaskija
maksaa tästä provision Applelle)
@QVIK@mpietila#almatalent #maksutekniikat
1 2
3 4
36. While the deals struck between Apple and the
banks are confidential, the tech group receives
about 15 cents per $100 transaction in the US,
while in the UK it gets “significantly less” — only
a few pence per £100 transaction — according
to banking insiders. Apple declined to
comment.
https://www.ft.com/content/
02287f44-2a3d-11e5-8613-e7aedbb7bdb7
KUINKA SUURI PROVISIO ON?
@QVIK@mpietila#almatalent #maksutekniikat
37. 3 KULUTTAJAN HYÖTY
DIGIKANAVISSA
‣ Vaivaton maksu, joka toimii aina samalla
tavalla
‣ Ei tarvetta rekisteröityä kaupassa
‣ Ei tarvetta syöttää korttitietoja kertaakaan
‣ Ei tarvetta erillisille sovelluksille
@QVIK@mpietila#almatalent #maksutekniikat
1 2
3 4
39. 4 KAUPPIAAN HYÖTY
DIGIKANAVISSA
‣ Apple tarjoama luottokortin tokenisointi
‣ Korkeat konversioprosentit
‣ Anonyymiostaminen (Apple palauttaa
ostajan yhteystiedot)
‣ Helppo käyttöönotto
@QVIK@mpietila#almatalent #maksutekniikat
1 2
3 4
40. PALJONKO SE MAKSAA
KAUPPIAALLE?
@QVIK@mpietila#almatalent #maksutekniikat
KIVIJALKA
‣ Ei mitään!
‣ Liikkeellelaskijan komissiota ei ole
julkistettu (huhujen mukaan US = 0,15 %,
Euroopassa n. kymmenesosa)
DIGIKANAVAT
‣ Yrityskohtainen neuvottelu
‣ Tietojemme mukaan kilpailukykyinen
luottokortin tokenisoinnin kanssa
41. MITÄ SE VAATII?
@QVIK@mpietila#almatalent #maksutekniikat
KIVIJALKA
‣ Lähimaksukyvykkyyden
kassajärjestelmästä
‣ Ei erillisiä sopimuksia tms.
DIGIKANAVAT
‣ Yhteensopivan PSP:n
‣ Tyypillisesti alle viikon
sovelluskehitysprojektin
47. “ADDING REWARDS CARDS TO USE
WITH APPLE PAY IS AVAILABLE ON
SUPPORTED PAYMENT TERMINALS”
ENTÄ KANTA-ASIAKASKORTIT?
@QVIK@mpietila#almatalent #maksutekniikat
https://support.apple.com/en-ca/HT204274
48. Most of the technology is existing and live
in terms of Pass creation and distribution
to Wallet, however, there is a dependency
on the POS infrastructure…specifically the
use of VAS (Valued Added Services)
protocols supporting Apple Pay Rewards in
the Payment Terminal / Pin Entry Device.
This is almost exclusively down to the
Terminal manufacturers […] to enable this
for the EMEIA region.
TULOSSA MYÖHEMMIN:
@QVIK@mpietila#almatalent #maksutekniikat
49. YHTEENVETO: MITÄ TAPAHTUU?
Tokenisointi mahdollistaa
helpon maksamisen
tänään
Maksaminen helpottuu
fiksumman autentikoinnin
ja lompakkopalvelujen
myötä
PSD2: tyystin uusia
palveluita, rooleja ja
mahdollisuuksia
avautuu ensi vuonna
1 2 3
@QVIK@mpietila#almatalent #maksutekniikat
50. YHTEENVETO: APPLE PAY
Nostaa koko
mobiilimaksamisen
tunnettuutta
Ylivoimaisen tiivis
integraatio edistää sekä
käyttöönottoa että
käyttöä
Edullinen kauppiaalle,
helppo ottaa käyttöön
1 2 3
@QVIK@mpietila#almatalent #maksutekniikat
51. LET’S CREATE IT TOGETHER
qvik.com
@QVIK
@MPIETILA
TÄÄLTÄ SAAT
KALVOT JA
PÄIVITYKSIÄ
AIHEESTA