Categories: Business / Mobile Apps


Mobile payments are on the rise. But to paraphrase the Notorious B.I.G, mo’ mobile payments, mo’ problems.

The checkout process is one of the biggest causes of friction in shopping – whether in person or online. Companies that can make paying for a product or service simple, seamless and fast will be far ahead of others.

Let’s take a look at the mobile payment trends for 2017, and how they’ll help make our lives easier.

One-click checkout processes

Filling out lengthy fields on mobile is a massive source of online shopping friction. So is having to fetch your wallet to confirm your CSV code with every purchase. One-tap or single-swipe options such as those offered by Amazon or Stripe are the holy grail of purchasing. In fact, Amazon has simplified its one-click purchasing options even further with its virtual dash buttons. These place your most commonly purchased items right at the top of your dashboard so you can reorder and pay at the touch of a dash button.

Simplified user security

It’s a hassle to enter passwords and deal with two-factor authentication on mobile. Often it’s easier to forgo security in the name of convenience. That’s why firms like MasterCard are implementing functionality that combines simple with secure. Users can take selfies to verify their identity, and combine these with fingerprint recognition or even heart rate data. It’s a way of ramping up security while minimizing forgotten password incidents and the abandoned cart issues that result.

Mobile payments will make shopping in-store a breeze.

Grocery stores without checkouts

Waiting in line at the register is one of the biggest sources of retail friction. No wonder people are excited about Amazon’s new checkout-less grocery store in Seattle. The store uses sensors to track the items that a customer has put in their physical shopping cart. Those same sensors also add those items to their virtual Amazon cart. When the customer leaves the store, their checkout process is finalized.

Custom store mobile payment platforms

Stores are now offering their own mobile payment platforms as alternatives to Apple Pay and Android Pay. Kohl’s has recently launched Kohl’s Pay, which uses Kohl’s branded credit card for payments. The platform targets the 25 million active cardholders in the US – some 60% of which solely use their Kohl’s card when shopping at the store.

Contextual shopping will make social purchasing simple.

Contextual ecommerce shopping opportunities

Ecommerce stores love impulse shopping. Contextual commerce places “buy” options alongside items that consumers are reading about, researching or exploring. Following moves by Pinterest and Facebook, Instagram has started allowing retail users to tag purchasable products. While new, the roll-out represents a potential shift towards in-app or in-article ads that can drive consumers to buy.

Carrier billing

Carrier billing allows users to purchase apps, content, goods and services directly through their phone. Any purchases are simply reflected on their phone bill. According to carrier billing payment institute DIMOCO, 2017 will see a rise in carrier billed gaming, video on demand and epublishing services. Carrier billing is used by some 1 billion users in Europe – and is offered in the US by providers such as T-Mobile.

We can all do with a little less friction in our lives, so we’re looking forward to these innovations becoming the norm. For extra insight into how you can improve mobile payments for your app, just drop us a line.



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Touchtap is a mobile development agency specializing in mobile development. Learn how to get mobile applications developed.

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