Wednesday, June 10, 2009

MoMo Edinburgh: App stores and mobile payment

An excellent turnout of 18 people (causing issues with getting extra tables - but a nice problem to have ;-) gathered in the downstairs private room of Centotre in Edinburgh last Monday for a pleasant lunch with lots of mobile chat. Some more photos were taken were taken to add to the MoMo Edinburgh group on flickr.

Richard Marshall of Rapid Mobile kicked off an interesting discussion about mobile App stores, initially looking for thoughts about the Nokia Ovi store. This broadened into a more general debate about whether the other stores could replicate Apple's success, supported as it is by the public trust in their brand, the existing billing relationship created by iTunes, and the advantage of minimal hardware fragmentation.

It was noted that the rash of new store launches has created a conflict between operator focused stores on one hand, and platform focused stores on the other. Also, while fragmentation is still a hard problem, the huge numbers of Nokia java phones in the market, addressable via Ovi, represent a huge commercial opportunity.

Gavin Dutch of Hedout then moved the discussion on to the problems of taking conventional credit card payments in mobile apps and web services. It was noted that APIs intended for webapps, e.g. from paypal and the like, could often be used, though security systems like 3D secure can be a problem in some cases.

Discussion then moved on to contactless and mobile payments, and it was noted that the major credit card networks are now rolling out NFC readers in the UK.

The next event is planned for the 6th of July and anybody interested should make sure they are signed up to the google group.

PS. Thanks to Vero at Taptu for giving a mention of my previous post about MoMo Edinburgh in her recent carnival of the mobilists.

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