Can you do your Christmas shopping on your smartphone?

We already use our smartphones in lots of useful ways to fuel our shopping habits. Millions of us use them to search for information on products and to to compare prices online, even when in a physical retail store. But still, only very few of us actually use our phones to make the final purchase.

Of all sales made online in the US and Europe, only 10% are made by smartphone in the US, whilst the figure is even lower in Europe at 7%, according the to the Centre for Retail Research. Further, more than 90% of us abandon our shopping baskets when making purchases on a phone compared to 68% when making them on a desktop or laptop computer.

Why so? Generally, feedback from shoppers focuses on a poor user experience, such as a website not being optimised for a mobile phone or it being problematic to enter credit card details into a small screen with small keys. But there are many companies trying to solve this problem for us.

Amazon introduced millions to the ‘1-click’ purchase where you buy an item with one click of a button because your payment details and delivery address are already stored with the company. But what if Amazon’s enormous marketplace doesn’t have your desired item?

Launching internationally very soon is Zen Shopping, an app that offers one-tap checkout at more than 100,000 stores – including Amazon and Walmart – and claims the biggest inventory of goods in the world.

Digital ‘wallets’ are also being used in increasing numbers. The likes of Apple Pay and Google Wallet store payment cards, loyalty cards, and even vouchers but not all retailers accept them. Understanding if they are set for mainstream success is thus hard to gauge.

Perhaps the answer is Dashlane, a service that manages all your passwords, credit and debit card numbers, phone numbers, billing and delivery addresses in one encrypted app. The app has the considerable advantage of working with all payment methods and all retail websites.

As for shopping in the physical world,  you might come across the system from British firm Powa Technologies that allows shoppers to pay for goods quickly in-store and online using their smartphones.

The PowaTag system relies on digital tags, like QR codes, that can be inserted into emails, websites, posters, images – even the audio from TV ads. Shoppers download the app, set up an account and store their payment cards. Then wherever they see the PowaTag symbol they can buy the product by scanning it with their phone and tapping the “buy now” button.

Perhaps though, after all those options, you might just prefer to wander the high street? Not me, I’ve purchased every single one of my Christmas presents online for the last few years and increasingly on my smartphone whilst couched on the sofa!

Let us know if you’ve seen any particularly beneficial ways of using technology to manage your Christmas shopping.

 

 

 

Would You Pay Using A Techno-Tattoo?

Paying by contactless card or even your phone may soon be obsolete when this new tech innovation arrives – temporary tattoos that use a conductive ink to create a personal circuit board on your skin.

Whilst it can have payment uses, a more valuable application could be around health – as the circuits can be used to monitor blood pressure, stress levels, heart rate etc and then transmit the information wirelessly to a mobile app or computer. A clear benefit would be that, although temporary, the tattoos would be able to monitor continuously and easily, whereas current fitness trackers need to be taken off and actual medical equipment tends to be cumbersome.

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Have you seen any other new technology innovations that you think could have real benefits for you?

Will you get paid to walk?

  • Who is this post for? Anyone interested in earning money just by walking
  • What does it discuss? The launch of a new virtual currency and service called Bitwalking
  • How does it benefit you? Get fitter, get richer

Walking is good for your health, and it might soon fatten your wallet too. A new virtual currency and smartphone app called Bitwalking has been developed that will pay its users based on the number of miles they walk each day.

The app is launching very soon on Android and iOS in the UK, Kenya, Malawi and Japan and people can request an invite to download the app from the firm’s website right now (I have, what have you got to lose?)

People will need to walk around 5 miles to earn the current equivalent of 1$US. That would mean about an extra £5 in my pocket each week but in less affluent nations, this could seriously affect income in a positive manner. It will be fascinating to see how this is adopted in Kenya and Malawi, Africa’s two launch nations, where rural workers can sometimes earn only about $1 a day. By walking with a tracker in their pocket, they could double their salary.

It has also been suggested that many companies will participate in the scheme, in order to encourage their employees to stay fit and healthy. For a more in-depth look at the service and to evaluate its chances of success, read here.  Let us know what you think of this initiative? Brilliant idea or totatlly harebrained?

Using apps to save you money

  • Who is this post for? Anyone wanting to save some extra pounds
  • What does it discuss? How technology can help you save money
  • How does it benefit you? Increased bank balance; Decreased stress

We probably don’t need to run a poll to ask if you’d like to save money. But we DID run a poll recently to ask how people are using smartphone and tablet apps to save money. Below are the the most popular types of app being used by our readers and you can find them all for both iPhone, iPad, and Android devices:

  1. Monitoring expenses and budget – Moneyhub and Money Dashboard were most mentioned
  2. Supermarket price comparison – does anyone know of a better app than My Supermarket? I use it all the time
  3. Vouchers – such as Groupon, My Voucher Codes or vouchercloud
  4. Travel – Skyscanner was hailed consistently as the best for finding cheap flights but of course there’s TripAdvisor for cheap hotel rooms and the likes of trainline for rail travel.
  5. Cashback – It was no surprise that Quidco was the most mentioned app. We’re not sure about the claim of being paid to shop (hey, you have to spend money in the first place!) but it’s certainly a popular and easy-to-use service.

There you have it. Perhaps no great surprises but if you’re not currently using any of these types of app, it’s probably worth checking them out. If you have any other recommendations, please let us know!