David'S Recent Blogs

Real World Cloud NFC Mobile Payments
Why NFC mobile payments aren’t dead yet
Mobile Manifesto for Hybrid Development
Getting from PowerPoint to Production
iPad Mini Announcement – Does it matter?
Making mobile payments and financial inclusion work in any market
Mobile Money needs: East & West, Developing & Developed must meet
Freedom, Independence and Mobility
Enterprise Mobility and Mobile Strategy
Mobile Roadmap: Calculating Hard ROI on Soft ROI Initiatives

Breaking Mobile Financial News

Real World Cloud NFC Mobile Payments  December 3, 2013

I went on a shopping spree yesterday using my Nexus 7 Android tablet to pay via NFC.

I wanted to test out KitKat’s new NFC abilities provided by SimplyTapp, which is in all official Android builds going forward. I also wanted to compare making payments using Google Wallet and an experimental app.

Google Wallet with McDonald's mobile payment receiptsAs I mentioned in my previous post, Android 4.4 KitKat no longer requires a hardware secure element. This is called host-based card emulation (HCE). Importantly, this means wireless carriers no longer control provisioning cards for NFC payments.

Mobile carriers are now just one of many types of organizations that can provision virtual payment cards onto NFC-enabled devices. Plus this means no more annoying trips to your carrier’s retail store to get an “enhanced” SIM card to enable mobile payments.

Now banks, retailers, loyalty card companies, card networks – and anyone else who wants to – can embed payment functionality into their applications.

Of course, this means they have to provide a lot of back-end services and integrations ...

Why NFC mobile payments aren’t dead yet  November 22, 2013

Android NFC Mobile Payments using HCE

Android 4.4 KitKat puts NFC on life support

NFC fatigue seems like it’s almost become rigor mortis in my conversations with issuers and merchants over the last few years. But, just maybe, that’s changing.

We’ve been stuck in a deadlock where carriers tightly control handset payments hardware but won’t accept the necessary risk to extend enough credit to consumers to make a mobile wallet useful. In fairness, this likely means acquiring or partnering with one or more banks and creating a number of complicated business relationships. But in the end, it’s been a big-fat roadblock that’s nearly killed mobile payments and NFC in particular.

Furthermore, until now, NFC secure element design has required physical hardware  connections in a design holdover from pre-smartphone days. Just look at the long-awaited Isis launch instructions. You have to physically go into your carrier’s store to upgrade your SIM card to communicate with the NFC chip in your phone. Most of the Isis software is actually running on that SIM card and there’s no good way to get it from the carrier and onto your existing ...

Mobile Manifesto for Hybrid Development  August 21, 2013

HTML5 logoBest practices for hybrid development are still evolving. We’re seeing many projects (by others) taking longer than they should, because it’s just not clear how best to design and construct hybrid applications for large-scale, mission-critical projects. The details would probably take an entire series of blog posts to cover.

So, I thought it would be helpful to share some of our rules of thumb for streamlining hybrid development. Like all articles of faith, some of these maxims may be contradictory. Keep in mind, that every situation is different and you’ll almost always have to make judgement calls (hence, the contradictions).

Of course, feel free to contact us if you’d like to discuss your specific situation.


Use open solutions and interoperable components – the market is moving too fast for closed solutions to keep up Limit JavaScript use, it’s hard to maintain in large applications (use JavaScript for the UX interaction it was designed for) Use HTML5 UX where possible Use Native UX for complex controls Determine UX on a feature-by-feature basis Push as much functionality into the cloud as possible Use analytics as much as possible (Google Analytics, Tealeaf) Responsive design is your base, with channel-specific optimizations as necessary

I expect this list to ...

Getting from PowerPoint to Production  August 9, 2013


Today we announced our new educational webinar series “Getting from PowerPoint to Production”. The first webinar is August 28th at 2:00PM ET and is tailored for the insurance industry. You can register here.

We’ve put together these webinars because we’ve seen overwhelming numbers of organizations (92%) struggling with getting mobile projects done in the timeframe they originally expected. Many organizations have built an five year roadmap that will transform them into industry leaders, however, they’re unable to get even a small percentage of that original roadmap into the market due to the complexity of mobile application development, vendor tools, testing, organizational issues, skills/training inadequacies, and other issues – in addition to budget limitations.

We have been helping organizations work through these issues since the early days of mobile. Our clients include dozens of Fortune 500 companies as well as smaller companies like credit unions, technology companies, and retailers.

There is no one-size-fits-all solution, but there are solutions.

Companies shouldn’t settle for mediocre mobile solutions. Letting your mobile and tablet channel wither is essentially choosing to let your business wither. Come join our webinar and get ...

iPad Mini Announcement – Does it matter?  October 23, 2012

The All-New iPad MiniApple unveiled their new iPad Mini family of tablet products today along with a variety of updates to other Apple products including the Mac Mini and the fourth generation iPad.

So after all the hype settle down, does any of this matters for corporations around the world?

Yes. The Consumerization of mobile IT marches on. Here is one more product and form factor organizations must support. The iPad Mini also provides a form factor more conducive to many enterprise mobility tasks, which will continue to the seepage of Apple products across the modern enterprise.

Apple highlighted many corporate milestones with this announcement: 100 million iPads sold, 80% of the U.S. high school education curriculum available as iBooks, 2500 schools using iPad and iBooks.

All of this means that mobile products like the iPad Mini are on course to become as ubiquitous as paper. The new iPad Mini form factor is easier to carry, easier to put away, and capable of blazing fast LTE Internet connectivity. Flight attendants and pilots may find iPad Mini more suitable to their job than paper or the growing number of full-sized iPads for flight plan replacement options. Students ...

Making mobile payments and financial inclusion work in any market  September 20, 2012

BanKO mobile bankingAs I mentioned in a recent post, I just returned from Manila where I did a half-day workshop on building the business case for mobile financial services and had a couple speaking slots in the main session. Incidentally I’ll also be at Mobile Money Canada next week facilitating a panel on mobile payments in Canada.


While in the Philippines, we met with the Central Bank of the Philippines (Bangko Sentral ng Pilipinas) to discuss the regulatory and legislative changes they’ve made over the years to enable such significant mobile payments innovations.

The Philippines were the first to offer mobile banking back in 2004 with Globe Telecom’s GCASH. And although sometimes overshadowed in the media by Kenya’s M-Pesa, the Philippines continue to innovate and grow adoption. GCASH added an ATM card option to their mobile wallet. Competitor SMART, launched their wallet,

Mobile Money needs: East & West, Developing & Developed must meet  September 14, 2012

I’m on my way back from speaking at the Mobile Financial Services Asia Pacific summit in Manila. The Philippines created mobile money in 2001 and they continue to push financial inclusion forward with initiatives like Banko – which connects a mobile wallet to a real bank account.

Real innovation is happening in most markets. Unfortunately often the development is in a vacuum. The Developed world is completely missing out on financial inclusion efforts of the developing world. And the Developing world is missing out on the differentiating products the developed world is creating for its customers.

Financial inclusion promises to create new bank customers. But developing world banks are neglecting their paying customers to help the poor. Developed world banks are neglecting the poor — and the promise of new customers — but many are providing compelling mobile products. Similarly, mobile payments is nearly non-existent in the west but widely available to the remote poor in Asia and Africa.

In the end, mobile payments in any market won’t get traction unless it fundamentally transforms the shopping (or remittance) experience.  For the very poor this means a better user experience that requires far less ...

Freedom, Independence and Mobility  July 4, 2012

American FlagToday is America’s Independence Day. It’s the pinnacle of summer and we Americans celebrate our country and our heritage with fireworks, cookouts, and possibly a trip to the lake or the pool.

I think of today is the world’s Independence Day too, since the US Constitution has become the model of free nations around the world. All of us consultants at Mobile Strategy Partners are Americans, but we all have spent time outside the US. Our tag line is “The Global Leader in Mobile Commerce.” About half our consulting revenue comes from outside the US and I expect it to only increase. In fact, I was in the UK this time last week.

As a result, I’ve been thinking a lot about what it means to be both an American and a Citizen of the World, and ultimately, how global developments in technology, politics, and various economies affect our practice and our clients.

We have a global focus and strive to share the best practices from around the world and across vertical industries. In some ways, this is intensely American. However, what many Americans overlook is that the rest of the world is doing ...

Enterprise Mobility and Mobile Strategy  May 28, 2012

Retail Mobile Commerce Linebusting enables payment with sales associate

Mobile line busting improves the retail shopping experience by letting customers pay faster while keeping associates on the sales floor with customers

The mobile industry often delimits efforts between B2E “Enterprise Mobility” and B2C “Mobile Commerce” initiatives. This may have been a valid distinction in the past, but it’s short sighted to think of mobile separately.

A successful mobile strategy requires a holistic approach that looks at everything from employee usage, customer usage, mobile marketing and third-party mobility.

Similar forces are acting similarly on every type of mobile initiative. A rapidly changing mix of devices must securely access an increasing number of legacy enterprise systems in a secure and user-friendly way.

BYOD (Bring Your Own Device) is bringing the lightning-fast consumer device replacement schedule to the enterprise. BYOD is also rapidly breaking down enterprise IT rules against supporting certain devices. Apple and Android devices are now commonplace at many companies and RIM BlackBerrys are fading away. iPads in particular are finding uses across the organization adding further pressure for IT to not only support iOS but the tablet form factor.

A rapidly ...

Mobile Roadmap: Calculating Hard ROI on Soft ROI Initiatives  May 13, 2012

Mobile ROI

A Fictitious ROI Chart

We’re commonly hired to help companies make decisions on their mobile roadmap and build the business case around the mobile initiatives.

Many execs put items on their roadmap that their gut tells them are important, but it’s difficult to calculate the ROI.

While I agree that it’s impossible to calculate the exact ROI of soft ROI initiatives, I think you can calculate the ROI enough to objectively assess your priorities.

In fact, I think it’s critical that you do so. The mobile landscape is littered with too much wasted money because of executive gut decisions that didn’t end up the way they expected.

So, let’s walk through an example:

I’m going to use mobile banking because I think it’s actually harder to calculate than retail mobile commerce in some ways. Retail mobile commerce ultimately results in a sale, whereas banking is a loyalty play. Retail is tricky to calculate because increasingly, the sale crosses channels, hiding the fact that mobile, online, or bricks-and-mortar retail affected the sale.

So, imagine a mobile banking roadmap with ten items on it but you only have budget to do five or six.

The number one item on your ...

Name: David Eads
Title: Founder
Company: Mobile Strategy Partners

David Eads is the Founder & CEO of Mobile Strategy Partners LLC a consulting firm helping organizations optimize their mobile channel. David is plugged into mobile initiatives at hundreds of companies in the US, Canada and beyond. David is also an industry speaker on mobile technology and is quoted in the press.

David founded Mobile Strategy Partners after witnessing the frustration organizations of all sizes faced with mobile technology. Mobile Strategy Partners helps clients get better products to market faster using our industry expertise, insight, and proprietary business models.

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