hard problems in mobile commerce

Hard Problems in Mobile Commerce

Pragati Ogal RaiChief Technology Evangelist, PayPal Inc.

@pragatiogal

2

• Author of “Android Application Security Essentials”

• 2014 Zinnov Thought Leadership Award

• Mobile Developer Relations, PayPal North America

• 15+ Years Industry Experience

• Mobile, Android, Security, Payments and Commerce

Pragati.Rai@paypal.com

@pragatiogal

www.slideshare.net/pragatiogal

www.linkedin.com/in/pragati

My Ego Slide!

Agenda

What is mobile commerce?

Hard problems in mobile commerce?

Mobile commerce is worth US$230 billion

Asia represents almost half of the market

M-Commerce will reach US$700 billion in 2017

http://www.digi-capital.com

Traditional Commerce

www.123rf.comwww.jaipuronline.in

Traditional e-commerce

telegraph.co.uk

Mobile Commerce

Promotions & coupons

Mobile commerce

Payments

Location-based services

In-store research

Self-scanning & self-checkout

Social commerce

Loyalty

Mobile shopping lists

Mobile commerce ecosystem is complex!

Problem # 1

Infrastructure

Clients Merchants

M-commerce Ecosystem

Challenges of m-commerce ecosystem

New market players and dynamics

Integration of different players

Limitations of client devices

Portability

Pervasive computing

Location aware devices

Merchant machines

Standardization & approvals

Too many expectations

End to end security is still a challenge!

Problem # 2

Full Connectivity

Partial Connectivity

Infrastructure Centric Model Merchant Centric Model

Client Centric Model

Disconnected: Off-line m-commerce

Mobile Security StackM

ob

ile S

ecu

rity

Sta

ck Application

Operating System

Device Hardware

Infrastructure/ Network

• Each layer takes care of

it’s own security

• Each layer depends upon

lower layer for security

• Transition between the

layers can cause attacks

Security challenges

End to end security

Privacy

Integrity of state

Client-merchant identification

Authentication

More points of attack

Cannot trust the mobile ecosystem

Mobile Checkout & Payment is Complicated!

Problem # 3

http://www.fun-stuff-to-do.com

http://www.astegic.com

“Good design is obvious. Great design is transparent.” Joe Sparano – Graphic Designer

Mobile Checkout & Payment is Complicated!

Focus on generally good mobile design

Keep customer on a one way track to checkout

Reduce checkout steps

Do not ask customers to fill in lengthy forms!

Security is paramount

Provide different payment options

Using technology trends to solve a real problem

Problem # 5

Technology happens, it's not good, it's not bad. Is steel good or bad?Andrew Grove

Technology Trends

Global Social

Mobile Local

DigitalService & delivery

Summary

Mobile Commerce is complex

Problem #1: Mobile commerce ecosystem is complex

Problem #2: End to end security is still a challenge

Problem #3: Mobile checkout & payment is complicated

Problem #4: Using technology trends to solve a real

problem

Pragati Ogal Rai

@pragatiogal

http://www.slideshare.net/pragatiogal

Thank You!