SlideShare a Scribd company logo
1 of 43
Mobile Marketing 101Sarah Hodkinson  Head Of Merchant Marketing
About WHERE ,[object Object]
 An eBay/PayPal company
 Mobile location based services; 3 divisions:Consumer: Mobile App relied upon by 4MM+ consumer for local discovery & personalized place recommendations. Synchronized with where.com WHERE Ads: The largest location-based mobile ad network with 350+ publishers and over 50MM consumer reach  Merchant Services: making location-targeted mobile advertising and offer promotions easy and accessible for small businesses
What We Do WHERE App & Where.com Brands & SMB Merchants Local Consumer Audience WHERE  Ads™ SMB Portal WHERE creates the conversation between local consumer audiences and the merchants that want to reach them
Competitive Landscape
Today’s Agenda The Growth of Mobile Why Mobile is Important for Businesses The Mobile Ecosystem Establishing a Mobile Presence for your Business  “Location-based” mobile advertising How Businesses Can leverage Mobile Marketing  Mobile Commerce and Mobile Payments
Smartphone Use 50% of Americans will have smartphones by year end Mobile use of the web is growing faster than desktop use in the 90’s Source: Nielsen
How Consumers Use Phones Source: Pew
Mobile, Location & Spending ,[object Object]
   Microsoft: 53% of mobile searches on Bing have a local intent
    Most PC based search-to-purchases take one week vs. one hour for mobile
Ability to lead people from search to store & accelerate purchasing,[object Object]
The Mobile Ecosystem Carriers Device Manufacturers Operating Systems
An App or a Mobile Website? Apps Pros – Load quickly Don’t require connectivity Cons –  Discoverability OS Fragmentation Maintenance Mobile website Pros – Works across all platforms Less development Cons –  Load time Optimization for all devices THINK ABOUT THE MEDIUM!
Your Free Mobile Page ,[object Object]
 Business listing page includes
 Click-to-call phone number
 Click-to-map directions
 Ability for consumer to save
 Constant Contact Join My Email List
Customize by adding pictures; links (website, Facebook, menus, etc); business description; hours; etc,[object Object]
Mobile Marketing Channels Inbound / Pull: ,[object Object]
Mobile app
Mobile pageOutbound / Push: ,[object Object]
Email
Mobile ads
QR codes,[object Object]
 to a discount coupon
 to a contest
 from a sign in your window to reviews of your establishment
 to a video testimonial from a happy customer
 to a map to your nearby locations,[object Object]
Advertising Objectives
Media to Reach Consumers = OPPORTUNITY! Source: BIA/Kelsey
Consumer use of Mobile LBS Consumers use mobile ads to find nearby stores, to map them and get directions – indicators of intent to purchase
Mobile Advertising ,[object Object]
82% of smartphone users notice mobile ads (Google),[object Object]
50MM consumer reach
All platforms – Android, iPhone, Blackberry, Windows
350+ publishers
Pay only for performance
View stats & measure performance,[object Object]

More Related Content

More from BMA Carolinas

Sales Acceleration with Marketing Automation
Sales Acceleration with Marketing AutomationSales Acceleration with Marketing Automation
Sales Acceleration with Marketing AutomationBMA Carolinas
 
Improve Your Marketing ROI: Measuring What Matters by Kent Panther of Wray Ward
Improve Your Marketing ROI: Measuring What Matters by Kent Panther of Wray WardImprove Your Marketing ROI: Measuring What Matters by Kent Panther of Wray Ward
Improve Your Marketing ROI: Measuring What Matters by Kent Panther of Wray WardBMA Carolinas
 
B2B Social Media Strategy by Kevin Espinosa of Caterpillar
B2B Social Media Strategy by Kevin Espinosa of CaterpillarB2B Social Media Strategy by Kevin Espinosa of Caterpillar
B2B Social Media Strategy by Kevin Espinosa of CaterpillarBMA Carolinas
 
Understanding the Power of Content Marketing by Chris Moody of Oracle Eloqua
Understanding the Power of Content Marketing by Chris Moody of Oracle EloquaUnderstanding the Power of Content Marketing by Chris Moody of Oracle Eloqua
Understanding the Power of Content Marketing by Chris Moody of Oracle EloquaBMA Carolinas
 
Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...
Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...
Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...BMA Carolinas
 
The Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint Marketing
The Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint MarketingThe Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint Marketing
The Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint MarketingBMA Carolinas
 
Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...
Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...
Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...BMA Carolinas
 
The new MIT: A case study of marketing, sales and IT collaboration at Motorol...
The new MIT: A case study of marketing, sales and IT collaboration at Motorol...The new MIT: A case study of marketing, sales and IT collaboration at Motorol...
The new MIT: A case study of marketing, sales and IT collaboration at Motorol...BMA Carolinas
 
Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...
Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...
Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...BMA Carolinas
 
The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...
The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...
The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...BMA Carolinas
 
7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation
7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation
7 Advanced Tips for Driving Demand- A Case Study in Marketing AutomationBMA Carolinas
 
LinkedIn: What’s New and Trending for B2B Marketers by Leela Srinivasan
LinkedIn: What’s New and Trending for B2B Marketers by Leela SrinivasanLinkedIn: What’s New and Trending for B2B Marketers by Leela Srinivasan
LinkedIn: What’s New and Trending for B2B Marketers by Leela SrinivasanBMA Carolinas
 
Measurement That Matters
Measurement That MattersMeasurement That Matters
Measurement That MattersBMA Carolinas
 
Heroes and Underdogs: How Content Marketing Levels the Playing Field
Heroes and Underdogs: How Content Marketing Levels the Playing FieldHeroes and Underdogs: How Content Marketing Levels the Playing Field
Heroes and Underdogs: How Content Marketing Levels the Playing FieldBMA Carolinas
 
The Smart Difference: Agents of Change in a Social World
The Smart Difference: Agents of Change in a Social WorldThe Smart Difference: Agents of Change in a Social World
The Smart Difference: Agents of Change in a Social WorldBMA Carolinas
 
2012 BMA Carolinas Pro Ads Awards
2012 BMA Carolinas Pro Ads Awards2012 BMA Carolinas Pro Ads Awards
2012 BMA Carolinas Pro Ads AwardsBMA Carolinas
 
What To Measure: A How-To Guide
What To Measure: A How-To GuideWhat To Measure: A How-To Guide
What To Measure: A How-To GuideBMA Carolinas
 
So, Mobile is Big. Now What?
So, Mobile is Big. Now What?So, Mobile is Big. Now What?
So, Mobile is Big. Now What?BMA Carolinas
 
Wikipedia - A Guide for Marketers
Wikipedia - A Guide for MarketersWikipedia - A Guide for Marketers
Wikipedia - A Guide for MarketersBMA Carolinas
 

More from BMA Carolinas (19)

Sales Acceleration with Marketing Automation
Sales Acceleration with Marketing AutomationSales Acceleration with Marketing Automation
Sales Acceleration with Marketing Automation
 
Improve Your Marketing ROI: Measuring What Matters by Kent Panther of Wray Ward
Improve Your Marketing ROI: Measuring What Matters by Kent Panther of Wray WardImprove Your Marketing ROI: Measuring What Matters by Kent Panther of Wray Ward
Improve Your Marketing ROI: Measuring What Matters by Kent Panther of Wray Ward
 
B2B Social Media Strategy by Kevin Espinosa of Caterpillar
B2B Social Media Strategy by Kevin Espinosa of CaterpillarB2B Social Media Strategy by Kevin Espinosa of Caterpillar
B2B Social Media Strategy by Kevin Espinosa of Caterpillar
 
Understanding the Power of Content Marketing by Chris Moody of Oracle Eloqua
Understanding the Power of Content Marketing by Chris Moody of Oracle EloquaUnderstanding the Power of Content Marketing by Chris Moody of Oracle Eloqua
Understanding the Power of Content Marketing by Chris Moody of Oracle Eloqua
 
Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...
Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...
Marketing as a Mindset not a Department by Mathew Sweezey of Pardot, a Salesf...
 
The Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint Marketing
The Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint MarketingThe Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint Marketing
The Sky Is Falling: A True B2B Story by Dave McQuaid of VantagePoint Marketing
 
Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...
Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...
Evangelizing and Leading the Strategic Role of Marketing in Innovation by Ste...
 
The new MIT: A case study of marketing, sales and IT collaboration at Motorol...
The new MIT: A case study of marketing, sales and IT collaboration at Motorol...The new MIT: A case study of marketing, sales and IT collaboration at Motorol...
The new MIT: A case study of marketing, sales and IT collaboration at Motorol...
 
Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...
Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...
Become a B2B Marketing Superstar with Social Media Lead Generation by Jeffrey...
 
The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...
The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...
The Importance of Branding and Emotion in B2B Marketing by Ryan Saurer of Goo...
 
7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation
7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation
7 Advanced Tips for Driving Demand- A Case Study in Marketing Automation
 
LinkedIn: What’s New and Trending for B2B Marketers by Leela Srinivasan
LinkedIn: What’s New and Trending for B2B Marketers by Leela SrinivasanLinkedIn: What’s New and Trending for B2B Marketers by Leela Srinivasan
LinkedIn: What’s New and Trending for B2B Marketers by Leela Srinivasan
 
Measurement That Matters
Measurement That MattersMeasurement That Matters
Measurement That Matters
 
Heroes and Underdogs: How Content Marketing Levels the Playing Field
Heroes and Underdogs: How Content Marketing Levels the Playing FieldHeroes and Underdogs: How Content Marketing Levels the Playing Field
Heroes and Underdogs: How Content Marketing Levels the Playing Field
 
The Smart Difference: Agents of Change in a Social World
The Smart Difference: Agents of Change in a Social WorldThe Smart Difference: Agents of Change in a Social World
The Smart Difference: Agents of Change in a Social World
 
2012 BMA Carolinas Pro Ads Awards
2012 BMA Carolinas Pro Ads Awards2012 BMA Carolinas Pro Ads Awards
2012 BMA Carolinas Pro Ads Awards
 
What To Measure: A How-To Guide
What To Measure: A How-To GuideWhat To Measure: A How-To Guide
What To Measure: A How-To Guide
 
So, Mobile is Big. Now What?
So, Mobile is Big. Now What?So, Mobile is Big. Now What?
So, Mobile is Big. Now What?
 
Wikipedia - A Guide for Marketers
Wikipedia - A Guide for MarketersWikipedia - A Guide for Marketers
Wikipedia - A Guide for Marketers
 

Recently uploaded

ACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfSpandanaRallapalli
 
How to do quick user assign in kanban in Odoo 17 ERP
How to do quick user assign in kanban in Odoo 17 ERPHow to do quick user assign in kanban in Odoo 17 ERP
How to do quick user assign in kanban in Odoo 17 ERPCeline George
 
4.18.24 Movement Legacies, Reflection, and Review.pptx
4.18.24 Movement Legacies, Reflection, and Review.pptx4.18.24 Movement Legacies, Reflection, and Review.pptx
4.18.24 Movement Legacies, Reflection, and Review.pptxmary850239
 
Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...Jisc
 
Inclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdf
Inclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdfInclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdf
Inclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdfTechSoup
 
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxBarangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxCarlos105
 
Keynote by Prof. Wurzer at Nordex about IP-design
Keynote by Prof. Wurzer at Nordex about IP-designKeynote by Prof. Wurzer at Nordex about IP-design
Keynote by Prof. Wurzer at Nordex about IP-designMIPLM
 
Earth Day Presentation wow hello nice great
Earth Day Presentation wow hello nice greatEarth Day Presentation wow hello nice great
Earth Day Presentation wow hello nice greatYousafMalik24
 
ENGLISH6-Q4-W3.pptxqurter our high choom
ENGLISH6-Q4-W3.pptxqurter our high choomENGLISH6-Q4-W3.pptxqurter our high choom
ENGLISH6-Q4-W3.pptxqurter our high choomnelietumpap1
 
Judging the Relevance and worth of ideas part 2.pptx
Judging the Relevance  and worth of ideas part 2.pptxJudging the Relevance  and worth of ideas part 2.pptx
Judging the Relevance and worth of ideas part 2.pptxSherlyMaeNeri
 
Q4 English4 Week3 PPT Melcnmg-based.pptx
Q4 English4 Week3 PPT Melcnmg-based.pptxQ4 English4 Week3 PPT Melcnmg-based.pptx
Q4 English4 Week3 PPT Melcnmg-based.pptxnelietumpap1
 
AMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdf
AMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdfAMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdf
AMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdfphamnguyenenglishnb
 
Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17
Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17
Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17Celine George
 
MULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptx
MULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptxMULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptx
MULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptxAnupkumar Sharma
 
How to Add Barcode on PDF Report in Odoo 17
How to Add Barcode on PDF Report in Odoo 17How to Add Barcode on PDF Report in Odoo 17
How to Add Barcode on PDF Report in Odoo 17Celine George
 
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...Nguyen Thanh Tu Collection
 

Recently uploaded (20)

OS-operating systems- ch04 (Threads) ...
OS-operating systems- ch04 (Threads) ...OS-operating systems- ch04 (Threads) ...
OS-operating systems- ch04 (Threads) ...
 
ACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdf
 
How to do quick user assign in kanban in Odoo 17 ERP
How to do quick user assign in kanban in Odoo 17 ERPHow to do quick user assign in kanban in Odoo 17 ERP
How to do quick user assign in kanban in Odoo 17 ERP
 
4.18.24 Movement Legacies, Reflection, and Review.pptx
4.18.24 Movement Legacies, Reflection, and Review.pptx4.18.24 Movement Legacies, Reflection, and Review.pptx
4.18.24 Movement Legacies, Reflection, and Review.pptx
 
Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...
 
Inclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdf
Inclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdfInclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdf
Inclusivity Essentials_ Creating Accessible Websites for Nonprofits .pdf
 
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxBarangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
 
Keynote by Prof. Wurzer at Nordex about IP-design
Keynote by Prof. Wurzer at Nordex about IP-designKeynote by Prof. Wurzer at Nordex about IP-design
Keynote by Prof. Wurzer at Nordex about IP-design
 
Earth Day Presentation wow hello nice great
Earth Day Presentation wow hello nice greatEarth Day Presentation wow hello nice great
Earth Day Presentation wow hello nice great
 
ENGLISH6-Q4-W3.pptxqurter our high choom
ENGLISH6-Q4-W3.pptxqurter our high choomENGLISH6-Q4-W3.pptxqurter our high choom
ENGLISH6-Q4-W3.pptxqurter our high choom
 
Judging the Relevance and worth of ideas part 2.pptx
Judging the Relevance  and worth of ideas part 2.pptxJudging the Relevance  and worth of ideas part 2.pptx
Judging the Relevance and worth of ideas part 2.pptx
 
Q4 English4 Week3 PPT Melcnmg-based.pptx
Q4 English4 Week3 PPT Melcnmg-based.pptxQ4 English4 Week3 PPT Melcnmg-based.pptx
Q4 English4 Week3 PPT Melcnmg-based.pptx
 
AMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdf
AMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdfAMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdf
AMERICAN LANGUAGE HUB_Level2_Student'sBook_Answerkey.pdf
 
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptxFINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
 
Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17
Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17
Incoming and Outgoing Shipments in 3 STEPS Using Odoo 17
 
MULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptx
MULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptxMULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptx
MULTIDISCIPLINRY NATURE OF THE ENVIRONMENTAL STUDIES.pptx
 
YOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptx
YOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptxYOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptx
YOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptx
 
How to Add Barcode on PDF Report in Odoo 17
How to Add Barcode on PDF Report in Odoo 17How to Add Barcode on PDF Report in Odoo 17
How to Add Barcode on PDF Report in Odoo 17
 
YOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptx
YOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptxYOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptx
YOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptx
 
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
 

Mobile Marketing 101 and Location Based Advertising

Editor's Notes

  1. SMS – 10 digit (legitimacy), shared code, dedicated code
  2. Geo fences; flu index
  3. Why our deals are different = + mobile, lower commissions
  4. WHERE app becomes a platform for merchantsDeliver deals directMigrate customers & prospects to mobile
  5. Mobile wallet, NFC, Starbucks app, PayPal in UK at Pizza Express