{"id":1306,"date":"2020-11-09T16:26:31","date_gmt":"2020-11-09T15:26:31","guid":{"rendered":"http:\/\/i360.trejka05.pl\/?p=1306"},"modified":"2021-06-10T11:55:17","modified_gmt":"2021-06-10T09:55:17","slug":"transcription-of-mobile-payments-in-loyalty-programme-apps","status":"publish","type":"post","link":"https:\/\/i360.com.pl\/en\/transkrypcja-platnosci-mobilne-w-aplikacjach-programow-lojalnosciowych\/","title":{"rendered":"Transcript \u2013 Mobile payments in loyalty programme apps"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Transkrypcja odcinka &#8211; <a href=\"https:\/\/www.youtube.com\/watch?v=DRNtlw2Fc3w\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.youtube.com\/watch?v=DRNtlw2Fc3w<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Good evening, this is Katarzyna Nawrocka speaking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> And Agata Kis\u0142o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Loyalty schemes at night. It\u2019s lovely to have you here again; we\u2019ve been talking about mobile apps and we\u2019ll be exploring this topic further.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> Today, I\u2019d like to talk about mobile apps for loyalty schemes that allow us to make mobile payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> We\u2019re focusing on payments, so let\u2019s start by looking at what this means for mobile app users.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> For mobile app users, this means they can make payments using their phones, on which they have the loyalty programme\u2019s mobile app installed. This is quite a complex topic, so I\u2019d also like to explain how it works, because, as I\u2019ve already mentioned, mobile apps are part of our everyday lives, particularly when it comes to our daily shopping, and many of us simply pay with our phones these days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Rozwi\u0144my ten temat &#8211; na czym to polega?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> The way it works is that we make payments in high-street shops using mobile loyalty programme apps by scanning barcodes or QR codes provided by the shop assistant at the till.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Chcia\u0142abym wr\u00f3ci\u0107 na chwil\u0119 do tematu, kt\u00f3ry poruszy\u0142y\u015bmy przy naszym ostatnim spotkaniu, dla tych, kt\u00f3rzy nie ogl\u0105dali tego odcinka &#8211; rozmawia\u0142y\u015bmy o podzia\u0142ach takich aplikacji, czy mog\u0142yby\u015bmy to jeszcze raz powt\u00f3rzy\u0107?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> Oczywi\u015bcie. Podzia\u0142 aplikacji jest prosty. Mo\u017cemy podzieli\u0107 te aplikacje na dwa rodzaje: pierwszy &#8211; kt\u00f3ry b\u0119dzie odzwierciedleniem programu lojalno\u015bciowego, w kt\u00f3rym mamy stron\u0119 internetow\u0105, mamy plastikow\u0105 kart\u0119 z kodem kreskowym, kt\u00f3ra b\u0119dzie po prostu w systemie aplikacji mobilnej i b\u0119dzie umo\u017cliwia\u0107 nam zbieranie punkt\u00f3w w programach lojalno\u015bciowych oraz korzystanie z rabat\u00f3w. Drugi rodzaj, o kt\u00f3rym te\u017c wspomnia\u0142am to rozbudowanie<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The loyalty scheme we run on our websites \u2013 which can be accessed via the relevant web addresses \u2013 and apps of this kind, which do not use plastic cards, have replaced plastic cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Can we, then, give some examples of places where we can pay using such a mobile app?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong>&nbsp; Yes, examples of such places include the Lidl chain of shops, or the \u017babka chain of shops,<br>or even Starbucks or Green Caffe Nero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Right, but how does this payment method work? Are they vouchers or codes?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong>&nbsp; Usually, such a payment is made by scanning a QR code, which the retailer displays on their screen, or a barcode, which is also displayed on the payment screen in a retail chain or caf\u00e9. Authorisation is, of course, a little more complicated, as we have to authorise such a transfer \u2013 which can also be treated as a bank transfer \u2013 by confirming it with a PIN on our smartphone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> I reckon that in each of the places you\u2019ve mentioned, it works a bit differently, so could we go into a bit more detail \u2013 for example, how does it work in the Lidl chain of shops?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> The Lidl chain of shops uses a QR code that allows us to pay for our shopping in its high-street stores. We pay by scanning the QR code and confirming the payment on our smartphone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> So what\u2019s that app called?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK: <\/strong>&nbsp;This is the Lidl Plus app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Right, let\u2019s carry on. We\u2019re at \u017babka and we want to pay using the mobile app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> At \u017babka, this also involves scanning transactions. People selling at \u017babka often confuse the app payment process with the process of collecting \u201c\u017bapps\u201d, or with the process of selecting a voucher and paying with \u201c\u017bapps\u201d, but the payment itself is made by scanning the transaction. The transaction appears directly on our smartphone screen and, of course, we must authorise it afterwards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> When looking for an app that we can use to pay at \u017babka, what\u2019s the name of the app we\u2019re looking for?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> \u017bappka, by 2 P.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> So it\u2019s completely different from what it\u2019s called. Right, so we\u2019re off for a coffee and end up at Starbucks. And how do we pay there?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> Starbucks, on the other hand, can be regarded as an electronic wallet, because at Starbucks we have to top up the app via a PayU transfer and then pay by simply treating it as a wallet from which money is actually deducted in real time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> What about popping in for a coffee at Caffe Nero, one of our competitors?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> At Caffe Nero, you can select the \u201cwallet\u201d option, where you can choose whether you want to collect stamps or pay with the relevant card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> We\u2019ve given a great many examples. Can we pick one that\u2019s the most consumer-friendly?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> It\u2019s definitely going to be Lidl Plus, as it\u2019s the most intuitive app and has the easiest, relatively speaking, process for authorising transfers. Following this trend, and bearing in mind current trends, I think I can safely say that most apps for shops, retail chains and caf\u00e9s will follow suit, offering the option to pay using a card stored within our mobile app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> As a consumer, I\u2019m wondering whether I can add my payment card to an app like this?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong>&nbsp; This is how most apps work, as we add our payment card by entering our card number, security code and expiry date. Authorisation by the bank often involves the bank making a transfer, which is, of course, refunded later. As I said, most apps are designed to add such a card to their system so that money can later be debited from that account when making a mobile payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> When I pay using an app like this, am I still part of the loyalty scheme? In other words, will the discounts and points that I would have been awarded had I paid in the traditional way also be credited to my account?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> That\u2019s exactly right. We\u2019re still members of loyalty schemes, and we earn rewards for payments made via our mobile apps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> It\u2019s just that we pay differently, isn\u2019t it?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> Yes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Agata, we\u2019ve been talking a lot about how this looks from the consumer\u2019s perspective. But what if I wanted to see what the process of implementing such a solution would look like in my own business \u2013 as someone who runs a business?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> Of course, any app we might create for your business will serve as a representation of your business. We need to understand the purpose the app is intended to serve, and we also need to know what payment system you\u2019d like to implement \u2013 whether you\u2019d prefer an e-wallet, or whether you\u2019d like to link a card so that your customers can link their payment cards to the app. Of course, we are able to expand our offering. We can add vouchers to the app, we can add various types of promotional leaflets to the app, and we\u2019d be happy to give you a presentation and tailor our offering to suit your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> And so we\u2019re starting to work together. Does it matter how big my company is?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong>&nbsp; It\u2019s certainly important, though what matters more is the type of customers you have. Are they customers who buy small items, or are they customers who buy high-value goods? However, as I said, we are able to adapt the mobile app both to retail chains that sell groceries and to DIY store chains. We can adapt our app to retail chains selling various types of clothing, and we\u2019ll certainly tailor this app to your end customer\u2019s needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> So, does that mean we can work with any business in this way?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> I don\u2019t think the sector matters. We tailor our proposal and the app\u2019s specifications to your specific needs, and we\u2019ll set up the payment systems exactly as you\u2019d expect.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> And we can safely say that i360 will find a solution for every business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK: <\/strong>That\u2019s exactly right. We offer a comprehensive solution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KN:<\/strong> Thank you very much for the interview.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AK:<\/strong> Thank you, good night.<\/p>","protected":false},"excerpt":{"rendered":"<p>Transkrypcja odcinka &#8211; https:\/\/www.youtube.com\/watch?v=DRNtlw2Fc3w KN: Dobry wiecz\u00f3r, wita Pa\u0144stwa Katarzyna Nawrocka. AK: I Agata Kis\u0142o. KN: O programach lojalno\u015bciowych noc\u0105. Mi\u0142o mi Ci\u0119 go\u015bci\u0107 kolejny raz, rozmawia\u0142y\u015bmy o aplikacjach mobilnych i b\u0119dziemy rozwija\u0107 ten temat. AK: Chcia\u0142abym dzisiaj powiedzie\u0107 o aplikacjach mobilnych program\u00f3w lojalno\u015bciowych, za pomoc\u0105 kt\u00f3rych mo\u017cemy dokonywa\u0107 p\u0142atno\u015bci mobilnych. KN: Skupiamy si\u0119 na&#8230;<\/p>","protected":false},"author":2,"featured_media":2548,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[39,67],"tags":[],"class_list":["post-1306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-youtube","category-o-programach-lojalnosciowych-noca"],"taxonomy_info":{"category":[{"value":39,"label":"youtube"},{"value":67,"label":"O programach lojalno\u015bciowych noc\u0105"}]},"featured_image_src_large":["https:\/\/i360.com.pl\/wp-content\/uploads\/2020\/11\/07_Agata_Kislo_cz2_PLANSZA-1024x576.jpg",1024,576,true],"author_info":{"display_name":"Tomasz Makaruk","author_link":"https:\/\/i360.com.pl\/en\/author\/autor\/"},"comment_info":0,"category_info":[{"term_id":39,"name":"youtube","slug":"youtube","term_group":0,"term_taxonomy_id":39,"taxonomy":"category","description":"","parent":0,"count":9,"filter":"raw","term_order":"0","cat_ID":39,"category_count":9,"category_description":"","cat_name":"youtube","category_nicename":"youtube","category_parent":0},{"term_id":67,"name":"O programach lojalno\u015bciowych noc\u0105","slug":"o-programach-lojalnosciowych-noca","term_group":0,"term_taxonomy_id":67,"taxonomy":"category","description":"","parent":0,"count":26,"filter":"raw","term_order":"0","cat_ID":67,"category_count":26,"category_description":"","cat_name":"O programach lojalno\u015bciowych noc\u0105","category_nicename":"o-programach-lojalnosciowych-noca","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/posts\/1306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/comments?post=1306"}],"version-history":[{"count":0,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/posts\/1306\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/media\/2548"}],"wp:attachment":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/media?parent=1306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/categories?post=1306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/tags?post=1306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}