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Mobile Business Insights. An IBM Mobile Blog.


As I conclude my series on mobile wallets, I want to talk about the business view and offer some recommendations on how to develop a mobile wallet strategy.

Horizontal versus vertical integration

The main business dimension that you should consider when determining a mobile wallet business model is the differentiation between horizontal and vertical wallets.

  • In the case of horizontal wallets, the provider of a wallet integrates services from third-party suppliers.
  • With vertical wallets, the wallet provider is the service supplier itself and integrates only its own services within the wallet.

It is also possible for mobile wallet services, such as mobile ticketing, that are running within an autonomous wallet to be decoupled and integrated within other wallets. That is how transport companies can launch their own wallet for mobile ticketing and also allow their customers to save their mobile tickets within the wallets of third-party suppliers. Continue Reading »

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March, 27th 2015

In a previous blog post, I introduced Bluetooth low energy (BLE) and WiFi Direct and talked about how these relatively new methods of connecting devices are enabling the next wave of mobile applications. BLE and WiFi Direct allow mobile devices to quickly and efficiently set up local networks with other mobile devices and peripherals. These technologies then enable devices to communicate directly with each other, without an intermediary on the Internet. In this post I’d like to describe, at a high level, what next-generation mobile applications can do using these new protocols. Continue Reading »

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Whether paid or free, general-use or industry-specific, mobile applications are emerging in exploding numbers these days. According to survey data from Gartner, by 2017 mobile apps will be downloaded more than 268 billion times. Most applications, however, do not cater to all the user requirements, or in some cases they come with the baggage of annoying features like excessive battery drain or misplaced buttons.

Whether you’ve been creating mobile applications for a long time, or are trying to make space in the mobile domain for the first time, there are many factors to consider for being successful. The most important question, however, remains the same: What makes a mobile application stand out instead of being wiped out?

Here are seven important things to keep in mind when creating a mobile application: Continue Reading »

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I’m a tech guy, and I like to have the latest gadgets, so I’ve bought a couple of “smart devices” for different purposes over time. In this blog post, I will tell you about my experience with these devices.

How I use my personal smart devices

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A key issue within the development process of proximity mobile wallets is the choice between a light wallet and a full wallet with NFC-based card emulation. This decision not only affects the technical capabilities of a proximity wallet; it also has an impact on your potential business model, partnerships, relations with stakeholders and go-to-market strategy. That is why a profound analysis of possible NFC strategies is mandatory at the beginning of a mobile wallet project. It will help you to steer your mobile wallet strategy in the right direction. In this post, I focus on the advantages and disadvantages of available NFC strategy options for proximity mobile wallets, as well as their long-term implications.

NFC-based card emulation

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