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March 24, 2016
Judging by recent moves made by Apple, it would appear that the company is getting ready to
bring its mobile payment service up to the next level for 2016.
Apple is planning to expand its 'Apple Pay' service beyond simple apps to include mobile websites
later this year.
It wishes to make the service available to consumers shopping through its Safari browser on
versions of the iPad and iPhone that have fingerprint scanners.
The company is also reportedly considering launching the service on Apple laptop and desktop
computers as well.
To be sure, Apple Pay is currently used for both physical transactions and in-app purchases.
Apple’s decision to go into the online shopping business is expected to take place before the Christmas 2016
holiday shopping season.
The use of Apple Pay for mobile websites would allow users to skip steps in the checkout process,
namely the input of payment and shipping information, and then to streamline the mobile shopping
The concept is that this simplified process will equate to more sales for those who enable the
feature, especially as the proportion of mobile shoppers increases.
According to a report from the Consumer Technology Association (CTA), about 70.2 percent of the 155 million
individuals expected to shop during the 2016 holiday season said they planned to make purchases online.
About 51.7 percent of consumers said they would likely use a smartphone or tablet while shopping
As mid-February, Apple Pay was accepted at more than two million physical locations across the globe,
though that number has likely increased since Apple launched the service in China five weeks ago.
About two weeks ago, Bloomberg estimated the number of active monthly Apple Pay users at 12 million,
compared to five million each for Google’s Android Pay and Samsung’s Samsung Pay.
In other mobile and wireless news
New research from GfK reveals that about 53 percent of Generation Z (aged 18 to 24) U.S. consumers said
they’ve made a mobile payment while using the Internet in the past six months.
According to the study, the number for Generation Z was nearly four times the 14 percent
figure for Baby Boomers (aged 50 to 68) and substantially higher than the 37 percent for Generation
Y (aged 25 to 34), and 27 percent for Generation X (aged 35 to 49).
While mobile payments on smartphone, tablets and other mobile devices account for just 3.1 percent of all transactions
in the U.S., the payment method accounts for 7.2 percent of transactions among Generation Z, the study
But Generation Z consumers don’t just use mobile payments more, they also have more faith in the
system and are the group most excited about paying for “more and more transactions” from their mobile
devices, says Gfk.
According to the firm’s results, no less than thirty-one percent of Generation Z consumers agreed
that “making payments with a mobile device is more secure than other methods” and 53 percent said they
were looking forward to using mobile for more transactions.
By comparison, only 16 percent of the overall population felt mobile payments are secure, though at
28 percent, Generation Y was most closely in line with Generation Z.
On average, only six percent of Baby Boomers feel mobile payments are secure. Generation Z’s enthusiasm
for a future with increased mobile payment opportunities also outstripped the U.S. average of 27 percent.
Generation Y was right behind their younger cohorts with 45 percent looking forward to more mobile payments.
GfK said Generation Z’s inclination for mobile payments and uncertainty in the general population provide
an opening for companies to better explain in detail the system’s real value proposition to consumers.
“Many consumers today do not understand the advantages offered by mobile payments,” said Tim Spenny, Vice
President on GfK’s Financial Services team.
“This creates an opportunity for the wireless industry to develop its own narrative around why people
should use mobile devices to pay for their purchases, with the better security, speed and ease of use top
among the reasons. In 2016, we see mobile payments gaining traction through the addition of benefits such
as rewards, discounts, and coupons that are integrated into phone payment systems,” he added.
But in crafting that message, the mobile services industry will have to address the one universal concern
among consumers: privacy.
According to the report, more than half of consumers in all generational groups expressed some concern
for their personal information when making mobile payments.
In other mobile and wireless news
While AT&T and Sprint were both very busy with earnings calls yesterday, without making a sound, T-Mobile upgraded its
'Simply Prepaid' data plans to include more bandwidth capacity.
The upgraded plans now include 2 more gigabytes of data on the bottom two plans and an extra five GB of data
for users on the higher-end plan.
Under the new arrangement, prepaid users can now get 3 GB of high speed data for $40 per month, 5 GB of
high speed data for $50 a month or 10 GB of high speed data for $60 a month.
All three plans still come with unlimited talk and text just as before. Simply Prepaid offerings
formerly only included 1 GB of data for $40 per month, 3 GB of data for $50 per month or 5 GB of data
for $60 / month.
The data increase on T-Mobile's packages comes just after the one year anniversary of the introduction of
the Simply Prepaid plans and alongside a new family of prepaid similar offers from Sprint's subsidiary Boost
Boost is now offering multi-line prepaid options for U.S. families, including a plan for two lines with
unlimited talk, text and data plus 5 GB of high-speed data per line for $70 per month, three lines for $90
per month or four lines for $100 a month with unlimited talk, text and data plus 1.5 GB of high-speed data
In other mobile and wireless news
Earlier this morning, Phoenix Tower International (PTI) announced that it has closed a deal
to acquire more than 600 wireless tower sites from U.S. wireless carrier T-Mobile.
According to Phoenix Tower, the transaction includes the exclusive right to manage and operate
the sites via PTI’s local U.S. subsidiaries.
Though the exact terms of the deal weren't disclosed, Phoenix Tower simultaneously announced
the closing of a five-year credit facility with Toronto Dominion (TD) Securities used to finance
the acquisition and provide funds for new tower development and the acquisition of further mobile
infrastructure assets in the United States.
"The closing of this credit facility with Toronto Dominion was crucial to the acquisition of the
sites with T-Mobile,” said Phoenix Tower CEO Dagan Kasavana.
“TD's facility provides additional financing for development and acquisition opportunities in
the United States where we want to continue to build momentum after our deal with T-Mobile. TD is
a market leader in tower financing and we are excited to work with them in our continued expansion
in the United States,” added Kasavana.
The news comes amid reports that T-Mobile is looking to raise $10 billion, as it prepares for a
showdown with Verizon and AT&T in the upcoming incentive auction.
Two weeks ago, the wireless carrier announced a $2 billion debt sale as a way to secure funds the
company admitted could be used for the acquisition of additional mobile spectrum.
The sale of T-Mobile’s wireless towers echoes previous sales from AT&T and Verizon ahead of the
AWS-3 spectrum auction that will take place soon.
In December 2013, AT&T pulled together $4.83 billion for the auction in a deal to lease the
rights to approximately 9,000 of its towers to Crown Castle.
AT&T also sold 600 of its towers to Crown Castle outright as part of the deal. In September 2014,
Verizon Wireless announced that it too was considering the sale of its towers.
In March of this year, the mobile carrier closed a $5 billion deal to lease or sell 11,448 cell
sites to American Tower.
The AWS-3 auction saw AT&T and Verizon spend a combined $28 billion, more than half of the $41
billion in total revenue.
Though Verizon admitted recently that the 600 MHz spectrum up for grabs is not its top priority,
T-Mobile has repeatedly expressed the sentiment that it will take the opportunity to scoop up as much
wireless spectrum as it can.
“T-Mobile is definitely ready and sees this spectrum auction as a unique and important opportunity,” said
T-Mobile CEO John Legere. “T-Mobile is going to go hard in this low-band spectrum auction and put that
spectrum to good use for our customers.”
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