C'est pas mon idée !: Quand une banque commercialise ses "big data"

C'est pas mon idée !: Quand une banque commercialise ses "big data": Le sujet est extrêmement sensible mais rien ne semble pouvoir arrêter la tendance : l'exploitation des données des consommateurs à des fins commerciales se développe, que ces derniers le veuillent ou non. Après le cas récent de l'opérateur Telefónica, c'est une banque qui se lance cette fois dans l'aventure.
Au premier abord, l'initiative que vient de lancer UBank peut paraître anodine. PeopleLikeU propose en effet aux australiens de comparer leurs habitudes de dépenses avec celles de leurs concitoyens. Concrètement, après avoir renseigné ses caractéristiques démographiques et économiques (sexe, âge, niveau de revenus, lieu de résidence...), le visiteur va pouvoir consulter quelques statistiques sur les personnes au profil comparable au sien, sur un ensemble de postes budgétaires (alimentation, voyages, loisirs...). la suite sur: http://cestpasmonidee.blogspot.fr/2012/11/quand-une-banque-commercialise-ses-big.html

American Express Launches Mobile App for its Bluebird Prepaid Card

American Express Launches Mobile App for its Bluebird Prepaid Card

Today, American Express released the iPhone app for its new Bluebird prepaid card which will be sold in Walmart stores and elsewhere. The app allows new customers to sign up for a Bluebird prepaid card, but in my test I was not able to get that to work (see below).

As you'd expect from American Express, the app is attractive and well designed. It includes important payment features (see inset):

Billpay

P2P payments

Request money

Mobile remote deposit

la suite sur: http://www.netbanker.com/2012/10/american_express_launches_mobile_app_for_its_bluebird_prepaid_card.html

C'est pas mon idée !: Telefónica commercialise ses "big data"

C'est pas mon idée !: Telefónica commercialise ses "big data": Vous avez certainement déjà entendu le message (y compris dans ces colonnes) : les informations que les entreprises détiennent sur leurs clients sont une mine d'or inexploitée. Les institutions financières devraient être particulièrement concernées mais la première grande société (à ma connaissance) à lancer une offre est un opérateur de télécommunications, Telefónica.....
la suite de l'article de Patrice Bernard sur
http://cestpasmonidee.blogspot.fr/2012/10/telefonica-commercialise-ses-big-data.html

moviepass un astucieux cocktail: geolocalisation,+ carte prepaid + rechargement automatique

Plus que le domaine d'application (carte cinéma illimité) il me semble que c'est la notion de rechargement automatique d'une carte prepaid grace à une géolocalisation qui est la partie la plus innovante de cette démarche

source:. http://www.netbanker.com/2012/10/launching_automatic_location-and-merchant-based_prepaid-card_reloading_with_spending_controls.html

vive le fun marketing: Scandale !

Scandale !:
Des messages très privés entre Gratounett’, la fameuse éponge de Spontex, et le Hérisson S. ont été rendus publics suite au « bug » de Facebook, lundi dernier. Pour preuve :


 
Rebondissant sur l’actualité chaude du moment, la page Facebook de Spontex n’en est pas à son premier coup d’essai. En soutien à la princesse Kate, l’entreprise enlevait le « o » et ses fans pouvaient alors découvrir son logo revisité. Ou encore cette devinette lancée lors de la journée de lancement des soldes : « Que font un hérisson et une Spontex hyper absorbante pendant les soldes ? », réponse : du sèche-vitrine ! Le jour de l’élection présidentielle, on pouvait également voir sur la photo officielle prise dans les jardins de l’Elysée… le Hérisson S… et j’en passe des meilleures.
Je dis chapeau, face à tant d’humour et de réactivité : je suis officiellement tombée sous le charme de Gratounett’ – et ses 259.000 fans facebookiens très probablement aussi.
Redevenons sérieux quelques instants, si vous avez raté le lundi noir de Facebook et que vous auriez une petite envie de lire un récapitulatif décapant (éhonté appel de pied à Gratounett’, je le concède), je vous invite à lire l’article de Xavier Lesueur, CEO et fondateur de Vanksen : « Facebook le mal-aimé. Chronique d’un désamour annoncé ».

Le logo revisité en soutien à Kate – Le Hérisson S. se prend pour notre nouveau président  

Foursquare Partners with Open Table on In-App Reservations for iPhone and Android

allez "lafourchette" vite une alliance pour la france ? 
Foursquare Partners with Open Table on In-App Reservations for iPhone and Android:
Put down those vending machine crackers right now. Foursquare just announced a partnership with Open Table that lets you find a restaurant and book a table straight from your iPhone or Android.

Foursquare used to be more of a check-in service for chronicling your neighborhood adventures with friends. Since the company added an “Explore” tab, a whole new world has opened up for those who are all dressed up with nowhere to check in. Foursquare can locate restaurants near users’ current locations, offering reviews and menus to make the decision about where to go a little easier.
The company first rolled out the reservations feature to its desktop application in May. Now available for iPhone and Android, the big reservation button is an improvement over trying to type in a phone number and it doesn’t require any talking.
Every restaurant has different rules about when and how to make reservations, but the app tells you immediately if the restaurant doesn’t take last-minute stragglers or if nothing’s available. Finding a back-up plan shouldn’t be a problem – Foursquare says there are thousands of restaurants on Open Table to choose from.
New Career Opportunities Daily: The best jobs in media.

Payez les transports en commun nantais avec votre Smartphone

le m paiement et nfc continuent leur diffusion par "grappe"
Payez les transports en commun nantais avec votre Smartphone:
Le Smartphone s’invite dans les transports en commun puisque les utilisateurs pourront bientôt acheter leur ticket via leur téléphone mobile. Dès le 15 octobre, le service sera mis en place sur le TAN (Transport en Commun de l’Agglomération Nantaise).

Nantes est la première ville à proposer ce système. Une précédente expérimentation avait été partagée à Nice, désormais, le concept est effectif à Nantes et cela dès le 15 octobre pour les propriétaires de Smartphones sous Android. Ainsi, les usagers auront l’opportunité d’acheter des « mTickets », ce qui signifie « Mobile Tickets ». Pour ceux qui utilisent de téléphones de la Pomme devront attendre la fin du mois, c’est-à-dire le 29 octobre.

Stocké dans un portefeuille virtuel

Les consommateurs pourront acheter deux types de tickets (1 heure et 25 heures). Des carnets ou encore des tickets pour les navettes aéroports seront également proposés. L’ensemble est ensuite stocké dans le portefeuille virtuel. Comment l’utiliser ? Les usagers devront sélectionner un titre de transport sur leur Smartphone et le composter en utilisant le code secret. Le flashcode est généré sur l’écran. Les contrôleurs seront équipés en conséquence et pourront vérifier la validité du ticket.
Le TAN a également expliqué que la norme NFC sera prochainement proposer aux habitants. Cette innovation permettra ainsi d’éviter le flashcode.

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© Jennifer pour Be Geek, 2012. |
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Lancement de SFR Paycard, première brique de services autour du paiement !

comment cela va se positionner / buyster qui est a priori poussé par les telcos dont sfr?
Lancement de SFR Paycard, première brique de services autour du paiement !:

SFR et Mastercard ont conclu en juillet 2012 un accord de partenariat en vue de développer le sans contact mobile et les paiements NFC. SFR lance en France à lancer une carte de paiement et de retrait, rechargeable, sans contact PayPass. Commercialisée au prix de 14,90€ et valable un an, elle ne nécessite pas d’ouverture de compte bancaire et peut être rechargée en espèce, par carte bancaire ou gratuitement par virement bancaire. Elle sera disponible au lancement sur le site sfrpaycard.fr ainsi qu’auprès de la majorité des buralistes en France.
[Selon une étude Ifop2 (pour Wincor Nixdorf) fin 2011, 45% des français souhaiteraient disposer d’une carte de paiement prépayée rechargeable avec des espèces et 42% d’une carte de paiement sans contact.]



Elle permet :


- L’utilisateur de SFR PayCard peut payer en rapprochant simplement sa carte du terminal de paiement dans les 500 000 points d’acceptation PayPass™ dans le monde

- une application mobile (Android, iOS) et des alertes SMS permettent au détenteur de la carte de suivre en temps réel ses transactions : paiement, retrait, rechargement, solde, etc.

- la possibilité de recharger gratuitement sa carte par virement bancaire ou encore de transférer de l’argent entre deux cartes SFR PayCard, pour une utilisation en France et à l’étranger, au coût de 1€.





Pourquoi qu'une carte sans contact ?
SFR Paycard est la première brique de services de SFR autour du paiement. Cette carte qui intègre la fonctionnalité sans contact PayPass™, va contribuer à démocratiser l’usage de cette technologie. SFR a d’ailleurs pris la décision de commercialiser auprès de ses clients abonnés, à partir de début 2013, uniquement des cartes SIM nativement compatibles NFC.

la réponse de snapp.fr à L iPhone 5 et à Passbook ?

snapp.fr - L iPhone 5 et le Passbook : l avènement du mWallet ?
la réponse de fidme à la menace passbook: fidme Apple avait déjà présenté dans son keynote de juin son iOS 6 Passbook et ses potentiels « effets » sur le marché des applications mobiles. Répandues comme une trainée de poudre avant même que le service ne soit live, de nombreuses réflexions « boules de cristal » ont émergées. Quelle attitude adopter pour des pure players comme Snapp’ et notre service FidMe et quel futur pourrions-nous envisager ? Quelles premières conclusions tirons-nous des tests de l’iOS 6 et


du SDK du Passbook. Quel potentiel sur le marché de la fidélité et des commerces de grande et petite distribution ? la suite sur http://www.snapp.fr/fr/idactus/detail/iphone5-passbook-fidme.html

Il y aura des morts dans cette guerre des wallets: Fidme semble avoir des arguments en étant pré-installé sur des plateformes comme nokia mais cela sera t'il suffisant ? Etes vous convaincus ?

C'est pas mon idée !: Demandez un prêt depuis votre téléphone !

C'est pas mon idée !: Demandez un prêt depuis votre téléphone !: Vous pensez que les applications mobiles bancaires devraient se contenter de fournir des services de consultation des comptes et, peut-être, d'émission de virements ? Vous estimez que la possibilité offerte par BNZ d'ouvrir un compte depuis son téléphone n'est qu'un "coup" marketing ? Alors que direz-vous de la nouvelle proposition de CUNA Mutual Group de souscrire un prêt depuis son smartphone ?


a lire sur: http://cestpasmonidee.blogspot.fr/2012/09/demandez-un-pret-depuis-votre-telephone.html

Analyser les comportements au-delà des porteurs de cartes: Retailers Turn to "Soft Surveillance" to Fight Customer Anonymity

Retailers Turn to "Soft Surveillance" to Fight Customer Anonymity:

If a tree falls in the forest and no one hears it, does it make a noise? That age-old question resonates with the specialists who provide retailers with customer intelligence. In their case, the question is: If a shopper leaves without making a purchase, is there any way for a store to know she was there? And why didn't she become a paying customer?

Until recently, customer Intelligence has focused on understanding consumers through historical data. For example, Tesco uses vast data sets culled from decades of customers' Clubcard use to make pricing decisions, influence shoppers to buy specific items, and build loyalty.

But that approach doesn't tell a firm about a new or transient customer. Can anything be learned about shoppers who don't carry loyalty cards? What about cash customers? Casual browsers? Shoppers who come in as families or as gaggles of teenagers?

The technology ecosystem known as the internet of real-time data is moving us toward a better understanding of what these consumers are thinking and doing. This ecosystem, which will become increasingly integrated into the fabric of consumers' lives and society as a whole, is an extension of the internet of things — an estimated 50 billion sensors that are capable of sending event data to anyone authorized to listen in. Many homeowners, for example, have connected their alarm systems to security companies; many drivers accept having devices such as mileage trackers in their vehicles.

In retail environments, companies are aiming to be able to identify all shoppers, connect them with their shopping profiles, and either sell them something or at least gain enough data about them to help make a sale during the next visit.

One way to do all this is to encourage shoppers to use an app while they're in the store. That lets the retailer track their movements while sending them coupons or suggesting purchase ideas. High-speed processing is a must, because customers don't linger long. Leading proponents of this approach use the data-talks-to-data concept developed by IBM's Jeff Jonas and his team in the Entity Analytics group.

An emerging and more radical approach, known as "soft surveillance," makes use of concepts such as DNA testing that are more usually associated with security services. To ensure the safety of passengers and workers on buses in the UK, drivers have been given swab kits so that if a passenger spits, for example, they can take a sample that is then compared with a national DNA registry. Policies like this have led to a 50% drop in crime in Merseyside, Liverpool.

Researchers at the Fraunhofer Institute have created a system of electronic noses that can smell explosives or other chemical substances. When combined with laser scanners and embedded into the walls of buildings such as airports, these sensors can detect threats, alert security services, and track a person carrying a suspicious substance. With modifications, this technology could identify perfumes worn by shoppers and send related ads and discount offers to video screens in elevators or corridors. Fraunhofer has also pioneered eye-tracking systems that can identify consumer preferences in stores. Retailers will soon be able to use this technology to present a shopper with a coupon or other value-added service as they browse.

Families that shop together have long represented a missed data opportunity for retailers, because there has been no way to collect information about children if their mom is the only person interacting electronically with the store at the register. That's about to change. Facial-recognition software can now identify groups' sizes and estimate members' ages, which could allow stores to provide the customers with targeted displays. For example, a car dealership could put minivan ads on monitors as a family walks up to the showroom door.

Futurist and hacker "Pablos" Holman of Intellectual Ventures has shown how an RFID reader can wirelessly glean details from a credit card that never leaves your pocket. In theory, at least, data of this sort could be gathered at building entrances.

To prepare themselves for this new age, retail executives should follow three steps.

• Decide on the overall data-collection goal and determine how invasive the company can be, given the laws and standards in each region where it operates. For example, the EU's data-protection provisions are stricter than those in the U.S. The company also needs to think about how its data-collection efforts might affect its relationships with customers.

• Develop and execute prototype solutions to gain an understanding of the opportunities that these systems and their data present, how these move the firm closer to its customer-intelligence goals, and what ethical frameworks need to be established to protect both the company and the consumer.

• Work toward creating a unified framework for the integration of systems and data. This involves combining soft-surveillance data with information from existing business-intelligence and analytics solutions.

Sophisticated new data-gathering systems are designed to both improve profitability and help the consumer save time and effort. But companies need to beware of making shoppers feel that they've entered an Orwellian world where Someone is Always Watching.

MORE ON CUSTOMER INTELLIGENCE

What Data Can't Tell You About Customers

Can Big Data Smoke Out the Silent Majority?

Don't Build a Database of Ruin

Meet Your Company's New Chief Customer Officer

What Data Can't Tell You About Customers: complémentarité entre data quanti et études quali:

complémentarité entre data quanti et études quali:
What Data Can't Tell You About Customers:
Across industries, companies are using the vast amounts of user-generated data to guide innovation of new products and services. But data mining does not equate to developing "customer intelligence." Human behavior is nuanced and complex, and no matter how robust it is, data can provide only part of the story. Desire and motivation are influenced by psychological, social, and cultural factors that require context and conversation in order to decode.

Data can reveal new patterns that point a firm in the right direction, but it can't indicate what to do once there. It reveals what people do, but not why they do it. And understanding the why is critical to innovation.

A Wink or a Twitch?

Think of the last time someone winked at you. With that simple gesture the person was able to communicate. Yet, how did you know what it meant? Anthropologist Clifford Geertz posits that all of our behaviors are imbued with socio-cultural significance. Interpreting their meaning and the motivation behind them requires what he calls a "thick" understanding that comes from detailed observation of people's interactions and their environment. In the wink/twitch example, customer intelligence would only tell us that there was eye movement — not what kind or what it meant. It misses the "thick" understanding that is critical to meaningful innovation.

Several years ago, a client engaged Continuum to design new products for base of the pyramid (BOP) families in urban Brazil. We set out to understand the needs, values, and motivating desires of the people for whom we were designing. In conducting our field research, we observed that virtually every family owned a television. This was not a huge surprise — any report can tell you the rising percentage of technology ownership among families in emerging markets. But when we dug deeper, we learned that the TVs were not status symbols or signs of increasing wealth; they were safeguards. Because of the violence prevalent in the favelas where these families lived, parents feared their children going out at night. What these parents really wanted was a way to make the living room more entertaining than the streets.

Customer intelligence might have told us the percentages of TV ownership among BOP Brazilian families, but it never could have illuminated the why. Building on this insight, we leveraged our client's capabilities to transform a staple product geared toward parents into an engaging experience designed for kids. In prioritizing parents' deeper needs, our client regained market leadership.

When the Data Trail Goes Cold

Increased computing power, ubiquitous consumer tracking, and ever-more-effective data mining techniques do offer significant advantages to business. Trends can be identified more quickly and precisely than ever before. But the fact remains that any trend, however early it's identified or robustly defined, can't tell you how to succeed.

When Clorox entered the "green" cleaning market in America, routine trend analysis had revealed that while the overall cleaning products market was stagnant, the "green" niche was growing. Basic consumer intelligence indicated that consumers were becoming more environmentally conscious, but that people often didn't know how to act upon their changing values toward green. The company's own intelligence suggested the emergence of a new and underserved segment of "chemical avoiding naturalists" who had not been attracted by existing offerings from Seventh Generation and Method. But that's where the data trail ended.

Abandoning quantitative data analysis, Clorox conducted in-depth interviews and in-home ethnography to better understand the psychology, unmet needs, and underlying values of these "naturalists" — and what it would take for them to switch to green home cleaning products. The insights gained allowed Clorox to stake out a positioning of "natural" vs. "sustainable" that resonated with this segment. They designed not just a product but an entire experience comprising utility, accessibility, aesthetics, information, and emotional resonance.

Clorox Green Works has been credited with not only dramatically expanding the market for environmentally-friendly cleaning products in the U.S., but also helping the sustainability movement gain traction by revealing that for mainstream consumers environmental concerns are first and foremost about what's "in me, on me and around me."

Knowing Too Much

In an effort to be more customer-centric, companies today often jump to apply their "customer intelligence" to guide product and service innovation. Armed with data, companies feel they "know" their consumers. But knowing about someone is not the same as knowing them. Confusing the two is the difference between a transaction and relationship.

Recently, we spoke with a young man who had soured on his medical provider when they leveraged customer intelligence to "help him." While driving to work, "Kurt" received a call from a woman on behalf of his doctor's office. The system showed that he had not refilled his depression medication in several months. She asked him if he was still taking the medication and reminded him that it was important. Kurt found the call extremely uncomfortable and paternalistic. "It's weird to be an adult and have some stranger call to tell me to take my meds," says Kurt. "It felt like someone was watching me, making sure I followed orders."

Kurt's doctor likely had the best of intentions: keeping Kurt well. But Kurt was left feeling that the office had exploited its knowledge of his behavior to control him. In fact, Kurt intentionally stops taking his medication every once in a while to evaluate whether he still needs it. Yet the doctor's office took none of these factors into account in its interaction — coming off as Orwellian instead of caring.

There are certainly ways to use customer data to strengthen relationships and improve people's lives. But those actions — and interactions — must be thoughtfully designed to respect people's values and build trust.

To innovate for a future in which consumers' desires and habits change as quickly as their mobile devices, businesses must be nimble in delivering emotional connections beyond just functional utility. That requires understanding customers as people — nuanced, dynamic, unpredictable — not just collections of data.

MORE ON CUSTOMER INTELLIGENCE

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la sécurité enjeu du NFC, google met en avant la sécurité

Google highlights security in new Wallet video:

It seems like every report that comes out about NFC contains the same caveat: mass adoption will not happen until consumers are convinced of the technology’s safety. With its new video, “Google Wallet: Shipping Safe and Sound,” Google looks to convince the skeptics that Google Wallet is in fact more secure than the leather wallets they’re carrying around today.

The video runs through the basic security features of Google Wallet, including card encryption, PIN protection, and the phone’s built-in screen lock feature. The video also shows how customers can deactivate their Google Wallet account online in the event they lose their handset. 
Read the full article at NFCNews…

PayPal and Discover to Bring PayPal to Millions of In-Store Locations

un pas en avant pour la "mortaristation" de paypal
PayPal and Discover to Bring PayPal to Millions of In-Store Locations: PayPal has announced an extension of its offline strategy by teaming up with Discover to bring PayPal to more than 7 million merchant locations across the U.S.

"We couldn't be more thrilled to work with Discover. This relationship quickly extends PayPal's reach to millions of merchant locations nationwide and is a milestone moment for us that will create new benefits for Discover merchants without requiring new hardware or software,” said Don Kingsborough, PayPal’s Vice President of Retail. "This relationship will deliver a truly seamless digital wallet, available most places consumers shop offline, which offers the speed, simplicity and security already enjoyed by 113 million active PayPal customers online."

Rollout to merchants will launch in April 2013.

Quelles synergies mettre en place entre programmes de fidélisation et réseaux sociaux ?

Quelles synergies mettre en place entre programmes de fidélisation et réseaux sociaux ?: Afin de développer leur relation client, nombre d’enseignes ont mis en place un programme relationnel diversifié : programme de fidélisation, offre de services, plan d’animation… L’attention se porte aujourd’hui davantage sur les médias sociaux. Les initiatives s’y multiplient, développant entre autres, la proximité et l’expérience client. Mais qu’en est-il de la cohérence globale du dispositif relationnel de l’enseigne ?


Alors que la stratégie social média doit venir en appui, valoriser et enrichir le programme relationnel “socle”, quelles synergies sont instaurées avec les autres leviers actionnés, notamment avec le programme de fidélisation?

De l’animation bonus à une intégration complète au programme de fidélité, de nouvelles démarches émergent :

a lire sur http://barbarahaddad.wordpress.com/
barbara est aussi sur twitter: @barbHADDAD

A lire sur C'est pas mon idée !: paiement et mobile, toujours...

C'est pas mon idée !: Brèves : paiement et mobile, toujours...: Le mois écoulé a été riche d'actualités dans le domaine des paiements sur mobile, avec les annonces plus ou moins prometteuses d'Apple, Microsoft et Google mais aussi les dernières nouveautés de Square et de son concurrent européen iZettle, ainsi que les initiatives de banques, de Kaching au porte-monnaie virtuel S-money de BPCE... Mais ce ne sont là que les plus visibles. Revenons donc sur quelques innovations plus discrètes mais parfois plus disruptives.

http://cestpasmonidee.blogspot.fr/

mes remarques: bravo une fois de plus pour ce post. J'ai juste 3 remarques à chaud:


je me demande quel est le degre de sécurité de mpowa qui utilise le bluetooth (dans le contexte actuel d'attaques sur la sécurité du NFC).

Walla.by ne semble pas avoir de puces ce qui me semble de facto le réduire aux cartes de fidélité sans paiement.

la multiplication de ces systèmes est pour moi leur premier ennemi

pas de reseau pas de m-paiement: C'est pas mon idée !: Orange & le porte-monnaie mobile

C'est pas mon idée !: Orange nous rappelle que le porte-monnaie mobile e...: Vous êtes certainement au courant de la panne géante qu'a connue le réseau de l'opérateur Orange vendredi dernier,... Voilà une occasion de se souvenir que toute technologie a ses défauts, qui peuvent avoir de nombreuses conséquences imprévues..... => Pas de réseau, pas de 3D secure et pas de M-Paiement
a lire sur: http://cestpasmonidee.blogspot.fr/2012/07/orange-nous-rappelle-que-le-porte.html

AfterCof': une initiative des futurs-ex cofinoga

AfterCof': Vous avez un projet dans le numérique ? Découvrez ...: Le NODE BORDEAUX est un lieu d'échange entièrement dédié au digital. Cet espace de coworking, niché dans une petite rue du centre histori...

C'est pas mon idée !: S-money, le porte-monnaie mobile universel de BPCE...

C'est pas mon idée !: S-money, le porte-monnaie mobile universel de BPCE...: Les annonces autour des paiements sur mobile se succèdent toujours à un rythme effréné dans le monde entier mais aujourd'hui l'actualité est française, avec la première présentation officielle de S-money, la solution du Groupe BPCE. Grâce à une combinaison de recettes classiques et de quelques idées plus originales, enrobée d'une démarche de co-innovation, le nouvel entrant se positionne d'emblée parmi les meilleurs...
a lire sur: http://cestpasmonidee.blogspot.fr/2012/07/s-money-le-porte-monnaie-mobile.html

=> dans la guerre des wallets qui s'ouvre on trouve bien sur BPCE, mais aussi crédit agricole (Kwixo) les opérateurs téléphoniques (buyster), les géants de l'internet avec paypal, google wallet et prochainement passbook d'apple ou le wallet de microsoft. Et bien sur visa amex ou mastercard, ainsi que des intervenants plus petits voire marginaux. Clairement il y aura des morts car l'univers des paiements notamment français est habitué à l'interopérabilité.  

apres les wallets de cartes voici la carte wallet

Digital wallet combines users’ credit cards and selects the best one:
While innovations such as the Canadian government-backed MintChip have aimed to reduce the amount of physical money we carry around with us, our latest spotting is a solution for those who have amassed numerous credit cards. The Wallaby Card is connected to each of its users’ accounts and is able to select the best one to take advantage of discounts and rewards.
Those creating an account with Wallaby load the details of the bank cards they want to link to their digital wallet, which are stored online. Both the continuous and one-off benefits tied to each card are monitored by the service and users can pick the type of rewards they usually choose for those cards. Customers can then replace the various cards they usually carry around with the single Wallaby Card. The date, location of the user and their card details are checked every time the Wallaby card is used to ensure that the best card linked to the digital wallet is chosen to enable customers to make optimal use of deals and their money. Currently in limited beta trialling, the Wallaby Card will cost nothing for the first six months of use and USD 50 a year after that, although the company believes many will make that back in rewards. The following video demonstrates how the card works:

The Wallaby Card frees up wallet space and benefits users by forwarding transactions to the best card to use every time it is swiped, meaning they don’t have to remember the rules and deals attached to each account. How else could financial services be made easier to better serve customers?
Website: http://www.walla.by/
Contact: http://www.walla.by/about-wallaby/contact-wallaby/
Spotted by: Hemanth Chandrasekar