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Table of Contents

Lead Story

Banks underserve the underbanked - AFS providers step in

Patti Murphy
ProScribes Inc.

News

Industry Update

EMV push could force operators to nix pay-at-the-pump

GoPago on merchant acquisition roll

Busy month for the SCA

PCI SSC turns attention to ATM security

Features

What's in a positioning concept?

Research Rundown

ISOMetrics:
Signs of optimism in small business sector

Selling Prepaid

Prepaid in brief

Passbook affirms bar code payments

How to reach Hispanics with prepaid

Views

Revolution underway in merchant underwriting

Brandes Elitch
CrossCheck Inc.

Get ready for 21st century shopping

Rick Berry
ABC Mobile Pay Inc.

Education

Street SmartsSM:
The song and dance of reputation building

Jeff Fortney
Clearent LLC

Avoid the price pitfall, sell on fairness

Steve Norell
US Merchant Services Inc.

Legal disputes: Head them off at the pass

Adam Atlas
Attorney at Law

New Products

Military grade mobile device

Juno T41
BlueStar Inc.

Digital loyalty has a spot

SpotOn
SpotOn

Inspiration

Own it, solve it, move on

Departments

10 Years ago in The Green Sheet

Forum

Resource Guide

Datebook

A Bigger Thing

The Green Sheet Online Edition

October 08, 2012  •  Issue 12:10:01

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Research Rundown

Mobile app report identifies riskiest markets

Mobile security company TrustGo Mobile Inc.'s quarterly TrustGo Summer Mobile Mayhem Report revealed an upsurge in malicious and risky mobile application penetration globally during the second quarter of 2012. For the report, TrustGo scanned 1.7 million apps from 175 market regions, categorizing apps as certified (safe), malicious, high risk or low risk.

TrustGo reported that among the world's estimated 700 million smart phone users, a majority of app downloads come from app marketplaces, stores and download websites based in the United States, Europe, China and Russia. Further findings from the summer 2012 report include:

  • Malicious apps grew to 25,580 from 11,822 during the first quarter 2012.

  • China-based apps pose the highest risk with 33.2 percent flagged as risky.

  • Over 1 in 6 apps on the global market could potentially compromise user security.

  • Games lead in mobile threat risk; social media and productivity apps rank lowest.

  • Ninety-four percent of high risk apps send user phone numbers to third parties.

"While viruses and risky apps are a global problem, some regions are more dangerous than others," said Xuyang Li, founder and Chief Executive Officer of TrustGo. "Many Chinese users can't access the Google Play marketplace, so a large number of third-party stores have popped up to fill the void. Unfortunately, this has made China's marketplaces especially insecure because many download sites haven't set up controls necessary to keep bad apps off their platforms."

According to Jeff Becker, TrustGo Head of Marketing, the key takeaway from the report is that no marketplace is completely safe. Ultimately, the consumer pays the price, he said.

For more information about the TrustGo Summer Mobile Mayhem report, visit www.trustgo.com.

Small business and mobile devices

A recent poll of 2,100 independent business owners conducted by The Small Business Authority found the majority still favor using PCs over smart phones and tablet devices for running business applications. Here's the breakdown:

Small business and mobile devices

Source: Newtek Business Services' The Small Business Authority

Navigating the mPOS maze

A Mercator Advisory Group report titled Mobile Point-of-Sale Solutions: A Comparative Analysis evaluates 16 different mobile POS (mPOS) solutions, including simple card acceptance devices, advanced mobile registers and less traditional alternative systems. Each system is scored based upon five criteria: potential future impact, technical innovation, infrastructure evolution, consumer benefit and merchant benefit.



NFC beyond contactless payments

Forrester Research projects the number of near field communication (NFC)-enabled mobile devices shipped globally will more than double to 100 million this year, yet mainstream adoption could take three to five years in most nations. In NFC: What Lies Beyond Contactless Payments, Forrester explored cross-device experiences that extend beyond traditional use cases.



Business intelligence fuels big data

An RIS Retail Solutions Brief: From Insight to Action suggests retailers can tackle big data with business intelligence directly from the storeroom floor using such data points as available item inventory, impending price markdowns, customer purchase history and the customer's potential future value to the retailer. The brief also recommended customer segmentation and offered a breakdown of six areas where big data presents the greatest opportunity.

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

USAePay | Impact Paysystems | Electronic Merchant Systems | Inovio