Interview: Laurens Eckelboom | ParkMobile

Laurens Eckelboom :  EVP, Marketing  |  LinkedIn  Video  Web

ParkMobile  |  Web  LinkedIn  YouTube  Facebook  Twitter

Laurens Eckelboom has over 18 years experience in sales and marketing holding senior and executive positions in the IT and Parking industry. Laurens joined Parkmobile Group in 2005.

He earned two Master degrees, one in Business Marketing from TIAS Business School, Tilburg University in The Netherlands and the other from Utrecht University in International Relations.

Laurens also completed the Executive Retailing Program at Santa Clara University in San José, CA. He has served as a master level lecturer at the University of Eindhoven, and the HES School of Economics and Management in Amsterdam, The Netherlands.

Marketing Partner | Canadian Consulate In Miami

Canadian Capabilities: Mobile Banking, Commerce & Payment

The Social Mobile Payments Conference Series would like to thank the Canadian Consulate in Miami for their sponsorship of and participation in the Social Mobile Payments: Americas event. As the Audio/Video and Technology sponsor the Canadian Consulate highlights the capabilities of Canadian companies that are leaders in the worldwide mobile financial service industry.

Canada is truly striving to lead the way in the Americas and Gulf Bay Consulting is glad to be of assistance. We are proud to present Mr. Vincent Kadar, President of Telepin Software and highlight his company as a representation of Canadian innovation and ingenuity in the mobile financial services ecosystem.


Vincent KadarVincent Kadar, CEO, Telepin Software 

Vincent Kadar, CEO of Telepin Software, has almost 20 years of executive experience in software technology companies for wireless and telecom networks.

Prior to his role with Telepin, Vincent was founder and CTO at Airwide Solutions, a leading provider of mobile messaging infrastructure. Mr. Kadar has also served as Director of Wireless Technology at InfoSpace Inc, and in senior technology positions at CrossKeys Systems and Accenture.

Vincent frequently presents at industry conferences and has been published in leading magazines. For more information, visit his blog about mobile money:


Canadian Consulate of MiamiIntroduction

Canadian companies have proven experience providing payments technology for government, financial institutions, retailers and enterprises that include: search and advertising, retail, sales and customer support, security and point of sale solutions. Solutions provided by Canadian companies offer more than online shopping from a mobile phone; they can enhance and enable end-to-end consumer experiences throughout online and physical commerce.

Market Opportunity

The global growth of the connected consumer, the explosion of mobile adoption and the emergence of social media are quickly changing the way we interact, obtain information, and pay for goods and services.  The new digital economy requires new ways for all consumers to securely transact.  It requires convenient, cost effective solutions that allow organizations to easily monetize digital content and participate in the exploding online and nano-payment markets.

Mobile Commerce enablers, including device manufacturers and mobile network operators have the opportunity to grow their existing market share and extend their service offerings to new markets.

(Juniper Research predicts that) NFC retail payments will exceed $180 billion globally by 2017, more than a seven-fold increase over 2012.  The leading regions of North America, Western Europe and Far East 7 China will contribute 90% of this market value as smartphones with the NFC payment technology becoming standard.  2001 was a watershed year for NFC payments. Major technology infrastructure standards were finalized  many mobile network operators committed to the market and NFC pilots from both mobile operators and financial institutions transitioned to commercial service. Above all, NFC-enabled smartphone models were announced by almost all handset manufacturers.

Industry Trends

  • Increased Smartphone Penetration: Over 50% of people under 35 have used their mobile phone to shop and almost 15% have purchased goods with their phones.
  • Shifting Consumer Behavior  Today over 100M people use their phones for payments but this is expected to grow to half a billion by 2014.
  • Contactless Transaction Technology: With “Near Field Communication” (NFC) people will be able to tap their phone and make an immediate purchase.
  • Take-Up of Mobile Advertising:  Japan is leading the consumer markets.  They have built in mobile devices on shopping carts to assist customers in finding and researching their purchase.

Canadian Landscape

Canada is an established leader in payments technology.  Canadian carriers and banks are in final stages of negotiations to transform Canada’s payment ecosystem. In May 2012, the Canadian banking sector published standards to pave the way for electronic payments. They include guidelines for secure handling of customer data during mobile transactions.

  • It is expected that the majority of Canadians will have NFC-enabled smartphones by 2014.
  • On May 15, 2012, the Canadian Imperial Bank of Commerce was the first Canadian bank to announce a deal with one of Canada’s major carriers, Rogers, to allow customers to carry a digital wallet on their mobile phones. The system uses NFC.
  • Enstream: A joint venture of Canada’s 3 main telecom carriers plans to launch a platform to connect with all banks by the end of Summer 2012.
  • The Royal Canadian Mint has been monitoring electronic payment trends for several years, for its potential impact on coinage trends and overall demand.  It is piloting “MintChip” in 2012 which will enable users to carry their MintChip with them (via a chip in their device) or store it in a virtual account (cloud) and access it remotely for in-store purchases.

Canada Value Proposition

The list below is representative of Canadian companies with innovative technology solutions to enable mobile banking, commerce and payments.

Search and Advertising
 poynt Calgary, AB Leveraging intelligence from searches and interactions through their app, Poynt is a leader in the mobile ad publishing space to deliver targeted relevant ads and offers from retailers wanting to capture the consumer at the purchase decision point. 

 Waterloo, ON 

Snapsort has developed product recommendation technology that provides instant and personalized camera recommendations unavailable anywhere else.  The successful platform compares, reviews, summarizes and educates about cameras in one place.  In November 2011, Snapsort raised funds to expand product recommendation technology to 20 other verticals.

 Ottawa, ON

Shopify is a powerful solution to run an online store and sell goods online. Stores powered by Shopify include a professionally designed storefront, unlimited web hosting, a secure shopping cart, a customizable domain name, and more. For the past 2 years, Shopify has been one of the fastest growing companies in Canada, now with over 20,000 customers in 80 countries.
Sales and Customer Support
 goinstant Halifax, NS GoInstant is “assisted sale” software that allows a customer and sales agents to navigate the pages on a website simultaneously without the need of downloads or plug-ins.  Their unique technology unleashes new business opportunities to improve customer support and enhance sales on the web.

 Toronto, ON

Recognized as one of the top Canadian up-and-comers, SecureKey  is developing middleware for performing Near Field Communication (NFC) in a secure way.  SecureKey technology enables plastic cards to be virtualized into mobile phones and PCs without sacrificing security. They have trials underway with VISA and some of the largest financial and government agencies in the world.
Point of Sale

Vancouver, BC 

Hyperwallet provides online and mobile payments, cross-border payments, prepaid card payments and financial technology solutions to enterprise-level organizations across 4 continents.  Furthermore, their platform supports cross-channel, cross-border, multi-currency and multi-language deployments in a single infrastructure.
 payfirma Vancouver, BC Payfirma is a leading innovator of mobile and payment technology, being the first to commercialize a mobile point of sale with a credit card reader.  They offer a full range of traditional point-of-sale solutions, eCommerce capabilities such as hosted checkout and recurring billing, and at the forefront, a mobile payment suite.  The mobile solution is being rapidly adopted by businesses that typically have yet to accept credit cards, such as musicians, artists, plumbers, and service oriented companies. Payfirma processes more than $1 million per day across its merchants accepting credit cards through mobile, eCommerce and in-store payment solutions.

Blog Post | Picture Perfect – Processing Images in Generation-M

RDCChase recently set up shop in Florida with new banking branches springing up everywhere in my area. As my wife and I already had some cards with them we decided to move some of our accounts to the new branches.

With the accounts came new tools that weren’t being offered at our previous institution, one of them being remote deposit capture for checks. Shortly after opening the new account I received a check in the mail.

In my continuing efforts to use new mobile money tools I turned to the Android Market and downloaded the Chase QuickDeposit App. I found configuration and setup easy and in no time had uploaded my first check to the new account and received confirmation via email.

Having accomplished this transaction my thoughts returned to the Remote Deposit Capture Summit I attended earlier this year in Orlando, Fla. There I met professionals involved in every aspect of capturing and processing images, and learned quite a bit about an industry that’s not getting much press but is gaining a lot of traction. I went there specifically to learn and write about this segment.

As most of my colleagues crank out pieces about this mobile wallet or that mobile wallet, and beat the subject to death, I thought I’d differentiate myself by developing a piece focused on something entirely different. I learned about check scanners, platform services and APIs that are available. And I came to understand that although there are many providers in the ecosystem, most rely on the services and capabilities of market leader Mitek Systems.

But the remote deposit capture event was simply an initial lead-in to a new potentially disruptive force that’s just beginning to take shape — taking a picture to process a transaction. Almost every mobile device that’s been released to the market in the last few years has an integrated camera in one form or another.

According to the latest research by Strategy Analytics, worldwide camera phone sales were predicted to exceed one billion units for the first time in 2011. The fastest growing segment was the high-tier camera phone market with sensors of eight megapixels and above. That’s a lot of connected cameras out there floating around offering huge potential for new frontiers in image transaction processing.

After becoming more aware of the idea of capturing an image to process a transaction, another idea or layer was added to my understanding when I attended the CTIA Enterprise and Applications event in San Diego, Calif. Many of you probably read my piece on Quinten Hardy’s Disruptor Session that focused on Shopkick. But another presenter, Daniel Mattes of Jumio, vastly expanded on the idea of processing financial transactions using images.

For those of you unfamiliar with Mattes’ accomplishments, he sold his VoIP creation Jajah to Telefónica for $207 million. The platform is unique, with features like JAJAH@Call allowing users to make free phone calls on Twitter without revealing their phone number. Mattes has now taken to providing credit card processing services for everyone, making money transfers easy and fighting credit card fraud with Jumio.

Jumio’s Netswipe technology allows remote credit card transactions to be processed by simply snapping a picture of the card with a webcam or smartphone camera. That’s right, you can use the connected or integrated camera on your desktop or laptop computer, or your mobile device with integrated camera, to process credit card transactions with no dongle, cradle or swiper hardware required. Consumers can simply process web transactions by taking a picture of their card, and merchants can integrate the services into their web or mobile storefront eliminating the need and difficulty of entering all the data usually required to process a transaction.

According to the Jumio website, the platform is also now meeting the increased demand for verifying user’s photo IDs for a variety of applications. Its Netswipe Scanning product allows merchants to accurately verify and capture all U.S.-based driver’s licenses and passports as well as European Union issued personal ID cards and passports.

But this is just one example of many new and different capabilities that will be borne out of the ability to capture an image to process a transaction. Think about how Google Goggles allows you to capture the image of a product and then provides information on it. I’ve read how one bank is using remote deposit capture technology to gather information from a customer’s competing banks statement to provide a competitive offer. Think about smartphone applications like ShopSavvy that allow users to scan product bar codes in a store and discover nearby or online pricing for the same merchandise. Even the idea I wrote about earlier this year of using a Kinect type device to process transactions in the future depends on the device capturing images of gestures to process transactions.

There is a whole new world of opportunity opening around the idea of capturing information utilizing a camera in some form or another. Using these connected devices and harnessing the power of the Internet to process this information, saving time, money and eliminating fraud for both consumers and merchants.

The future of transactions is focused on being picture perfect in Generation-M!

Blog Post | It’s all about the data in Generation-M

Big DataI recently attended the Retail Solution Providers Association Convention in in Las Vegas, otherwise known as RetailNOW. The event featured a bevy of new retail point of sale solutions. I don’t think it’s an overstatement to say that the words “iPad” and “smartphone” were uttered more often than the term “POS.” Everyone seemed to be trying to figure out how to integrate and deploy these new concepts and solutions while adjusting their existing business model to make it fit.

I had lunch one afternoon with an older gentleman who got started in the business selling mechanical cash registers. That’s right: no circuits, microprocessors or digital displays; the machines he sold functioned using gears, levers and switches. “They only produced a single total,” he proclaimed. In contrast, the gentleman sitting on my other side was the CEO of a well-known retail touchscreen POS system.

The entire industry that produces POS hardware and software seemed to be there along with all the other businesses that contribute to and support the industry. The show floor itself was a microcosm of the history of point of sale systems. In a single row were vendors for ribbons and carbon paper, with the next booth over being a software house with an iPad POS app which utilized a battery-powered Bluetooth printer for receipts. It seemed the market is in the midst of great change, which is coming at them a little faster than the industry seemed to like…

Some of the panel discussions went beyond sound bites and took a deeper dive than usual examining developing mobile technologies and the impact that they will have in the days and years to come. I found the technology vision panel discussion extremely interesting and insightful. One of the panelists for the session was Erik Vlugt of VeriFone. I had attended his individual afternoon session on the previous day that dealt with NFC solutions for retail.

It was his session that brought awareness to a subject that I believe will be greatly discussed moving forward: will payment data be worth more than payment fees?

The question itself indicates that the answer is not yet. However, I see many of these new alternative POS providers being more concerned with information that surrounds the sale rather than the information that completes the sale.

And they should. According to IBM, at the present, 2.5 quintillion (2.5×1018) bytes of data are created every single day. None of this type of information was able to be gathered by the mechanical cash registers, sold in the days of yore.

From a merchant perspective, customer preferences – sizes, colors, flavors, dates, selections, location, and much more – can now be captured and recorded, allowing a continuing, gradual profile of the customer to be aggregated and built.

And why does that matter? So merchants can market to their customers using a number of different methodologies: online, e-mail, text messages, direct mail, in-store experiences and more. This collection of information, often referred to now as “Big Data,” is highly desirable – and it’s only growing. One recent report inScience estimated that since the 1980s, the technological per-capita capacity to store information has doubled every 40 months! There’s no reason to believe that trend won’t continue.

As you can well imagine, all this data is being amassed and will be used against you – or in your favor, depending on who you’re talking to. As my colleague analyst David Schropfer pointed out, in the near future transaction processing will become commoditized, much in the same way that VoIP commoditized the international long distance minute. We’re already starting to see signs of this as transaction companies look to eliminate interchange and replace that income from loyalty and reward services.

Rest assured that consumer data, combined with mobile advertising, “right now” offers, NFC and other immediate opportunities, will make payment data worth more than payment fees in Generation-M!


Media Partner | Bank Innovation

bank Innovation header

About Us

Bank Innovation is produced by Royal Media Group, a media company that has served the financial services industry since 1995. The site offers industry professionals a unique forum for sharing information, reading news, posting blogs, and e-networking with colleagues.

Bank Innovation tracks and encourages innovation in banking. We record innovation successes and failures at a site at which bankers of common ilk and dreams can come together to share ideas and insights. Irreverent? Maybe. But our goals are true: to make banking better.

The Bank Innovation Team

JJ Hornblass, Senior Editor

JJ Hornblass @hornblass

JJ previously started the first iteration of Bank Innovation back in 2007, and has been working on it ever since. He also serves as President & Chief Executive Officer of Royal Media Group (RMG), Bank Innovation’s parent. He founded RMG in 1995 and oversees all aspects of the New York-based diversified media company. Prior to forming RMG, JJ was on the editorial staff of American Banker, the daily newspaper, and worked as an editor of a business magazine in Hong Kong. As a reporter and editor, he has won journalism awards from the National Press Foundation, Newsletter & Electronic Publishers Foundation, and the Reader’s Digest Foundation. He has a BS in Economics from Yeshiva University and a Master’s from the Columbia University Graduate School of Journalism. He lives in New York City with his wife, two daughters, and son. He counts among his accomplishments one New York City Marathon, two New York City Triathlons and the 2010 Father’s Day 5K, the first race he ever ran with his daughters.

Mary Wisniewski, Editor

Mary Wisniewski @marymwisniewski

Mary joined the Bank Innovation team in 2011 and serves as its editor, blogger and content curator. She covers the commerce, fintech and small business beats. She also oversees RMG’s custom publications, manages the freelancing team and contributes stories for the media company’s print publications. Prior to working at RMG, Mary was the fashion editor at National Jeweler magazine, where she contributed, among other things, coverage of international jewelry shows, Fashion Week, rising gold prices, bloody Burmese gemstones and a Bill Clinton watch junket. Her written work has also appeared in Cracked, Billboard and a number of fashion blogs and business publications. Mary has a BA in Journalism from Pepperdine University in Malibu. She grew up on a dirt road in the suburbs of Detroit and currently lives in New York with two roommates, a record player, an espresso machine and a toy poodle. Mary is endlessly curious and follows anything that grabs her. Current interests include literature, anthropology, travel, essays and fashion. She is fond of good conversation, oceans, startups, dandyism, coffee, cemeteries, Cat Stevens, Gregor von Rezzori, Oscar Wilde and Gidget.

How to reach us:

Bank Innovation
80 Broad St, Suite 1701
New York, NY 10004
T 212.564.8972

Advertising Inquiries:

Josh Ernst
Senior Account Exec
t 212.991.6735

Innovation Insights | split(able): Mary Foden

Thanks to generous donations from Cisco, PayAir, XIUS, and Appcelerator we were able to provide complimentary registrations to several early-stage startups focused on the social, mobile and payments space.

Without these donations these startups would not have been able to afford attending and networking with the senior executives and providing an insight as to their unique and innovative ideas.

The Americas conference will continue the tradition providing even more start-ups with visibility through the Social Mobile Payments November event.

If you are start-up working on solutions for the social, mobile and payments ecosystem we’d like to feature your company at our event. If you are a benefactor and would like to sponsor a startup and help spur innovation please contact us.

Mary Foden’s split(able) was one of the startups that benefited from the contributions made for our inaugural event in April.

Mary Foden

Mary Foden ~ Co-Founder split(able)

“Social Mobile Payments was outstanding. It felt more like a well-organized meetup than a traditional conference, which made it incredibly easy to meet and build personal relationships with all the established leaders and trailblazers who were there.”

“Thanks for embracing startups, and for letting us jump onstage for an impromptu demo! This is the one conference we can’t wait to come back to next year.”

split(able) logo

Make payments social


Free your shopping cart and let people pay together


split(able) is the flexible payment platform for businesses.

Whether your customer wants to pay with one card or split the cost with other people, split(able) makes it easy for your customers to pay how they want.

Flexible - Liberate - Social

Media Partner | Transaction World Magazine

Transaction World Logo

About Transaction World Magazine

June Cover

Transaction World Magazine is a full-color monthly publication serving the electronic payments industry. Our current monthly circulation is over 20,000  individuals and our online magazine receives over 100,000 views a month.

Editorial content is designed to inform and highlight topics of particular interest to the payments executive and sales team.  In our 12th year of publishing,  Transaction World brings you cutting-edge editorial about new products, trends, legislation, marketing, investment and risk management,  Transaction World gives you all the latest every month.

Please visit our website at to read our latest issue, view upcoming conferences, enroll in a complimentary subscription or to email our Editor, Cynthia Bailey.

Advertise your products and services in Transaction World Magazine, download our media kit here




cover art


Spending Trends :: Silvio Tavares

Could Your Phone Replace Your Bank? :: Harold Montgomery

After the Compromise: Incident Response Plans and Mitgating the Damage :: Heather Mark

The Impact of the Fortress Mentality and Today’s Compliance Strategies :: Chris Mark

Industry “Insiders” Open Up About the Mobile Wallet :: Dorothea Bozicolona-Volpe

The Changing Landscape of Unused Gift Cards :: Bill Hardekopf

Credit Card Reform the Morning After: Good for the Consumer? Good for Commerce? :: Jim Romeo

The Joys and Jabs of Merchant Services :: Mark Dunn

5 Keys to Developing a Successful Social Media Strategy :: Bette Price

Could Intuition Be Your Competitive Edge? :: Marc Beauchamp


Transaction World Logo


Marketing Partner | mopay, Inc.

mopay logo

mopay is the next generation payments system, enabling online merchants to bill digital goods and services to virtually every telecommunications account.

The mopay payment platform offers the ideal billing method for every consumer via device-optimized payment windows and streamlined processes. mopay is the easiest and fastest way of paying for digital goods and services you will find!

mopay is available in more than 80 countries worldwide connecting to more than 400 telecommunications providers. mopay clients are able to reach 4.3 billion consumers, giving this payment method the highest penetration rate right after cash.

mopay map

The company has a blue-chip customer base including major brands such as Bigpoint, Gameforge, Innogames, Sulake and Travian. mopay, part of the MindMatics group, has more than 100 employees at locations in the United States, Germany, Austria, the United Kingdom, China, Brazil, and Romania.

A state-of-the-art technological base allows mopay to support virtually every device. mopay will automatically adjust its payment window to every platform, device and screen size to maximize conversion.

mopay devices

mopay today is available in more than 1.200 online games and services processing millions of transactions every month. Consumers know and trust mopay as a reliable payment method. Entering 16 digit credit card numbers and other financial details can be a tiring process at check out – let alone the security concerns. mopay only requires a mobile phone number.


Click Here: Try the Direct Carrier and Landline Demos to see how it works!


No name, no bank account, not even an account is required. Transparent payment processes as well as best-in-class consumer support make mopay the go-to mobile payments partner.



For more information:



Twitter: @mopay




Marketing Partner | National Unlimited

National Unlimited

Introducing National Unlimited

Distributor of mobile phones and data devices with extensive knowledge experience in GSM, CDMA, and 3G devices. Our services include product sourcing, development, fulfillment, software provisioning, homologation support, customizing, and reverse logistics.

Providing excellent service and on time deliveries of quality products, including procurement and service needs. We believe in creating cost-effective solutions to fit the customer’s needs and in doing so earning our client’s business and confidence. National Unlimited is not looking to be just a vendor but a valued partner. The success of our client is genuine and what’s most important to us.

We not only deal with wireless airtime, but with wholesale of handsets and accessories, priding ourselves on customer experience to ensure we are your one stop shop of all things prepaid.

Save time, let us take care of things for you. No need to stress over separate shipping of orders, or whether or not the phone works. All our handsets are backed by a 180 day warranty, so you know we mean business.

National Unlimited Services Include:

  • We Source Factory Sealed HandsetsHandset Fulfillment
  • 3G USB Modems, Routers and Data Cards
  • Software & Packaging Customization
  • Branding & De-branding
  • Distribution
  • Homologation Support
  • Sourcing
  • Software Provisioning
  • Warehousing
  • Out of Warranty Repairs
  • Handset Replacement Programs
  • New & Refurbished Handsets
  • Warranty Programs
Point Of Sale Activation (POSA)

The majority of prepaid wireless sales rely on hard cards to be in stock. Having to purchase minimums of denominations, it’s no wonder it gets harder to make a profit with the less popular denominations sitting on a shelf. Why invest in cards that don’t move, taking up valuable capital and space? Is it wise to pay for product that may or may not sell? We have a solution to this problem, eliminate hard cards altogether. Our POSA system allows you to pay for only what you sell. No stock needed!

Our competitive rates are appealing and worth switching for, our portfolio includes:

  • Prepaid Wireless Airtime
  • International Long Distance
  • Direct Top UpPoint Of Sale Activation
  • Store Value Cards
  • Bill Payments
  • Prepaid Debit Cards
  • Loyalty Program
  • Merchant Services
  • Sidelines POSA
  • Terminal & PC Solutions
  • Account Access
  • Support ISO, Distributors & Merchants
  • MVNO/Carriers
  • Unlimited Calling, Texting and Data Plans
  • Copies of coverage maps for MVNOs
  • CDMA Networks (2 networks)
  • Unlimited Rate Plans Starting at $39.95 per month
  • Sidelines Carriers
  • Discounted International Calling

For more information please visit our website:

Media Partner | Mobile Payments Today

Mobile Payments Today Logo

About Mobile Payments Today is an information resource focusing on mobile payments projects and technology.

We cover topics like banking, retail, restaurants, remittance, apps, online gaming and mobile POS.

Our content helps organizations realize the cost savings and operational benefits promised by mobile payments.

We provide blogs, news, videos, white papers, webinars, supplier listings, research, product reviews, and event information.

Social Mobile Payments | Conference & Exhibition is pleased to welcome Editor James Wester to the event. James will be the moderator of the Extraordinary Experts Forum an “event within an event”, taking place April 11-12, 2012 at the World Center Marriott Resort & Convention Center.

The Extraordinary Experts Forum provides an indispensable opportunity for professionals across the mobile ecosystem to gain important and timely insights, practical knowledge & innovative solutions from experts at the forefront of social, mobile and payments. Don’t miss this interesting and insightful session, register today to secure your place at the Social Mobile Payments event.

Editor’s Bio

James Wester is a technology writer and blogger with over 15 years of experience in marketing and communications in the technology and payments sectors. Prior to joining as editor he worked as Director of Corporate Communications for Chase Paymentech and ran payment operations for AOL. James has a BA in English from Drury University in Springfield, MO and an MS in IT Management from the University of Virginia.

About Networld Alliance 

Mobile Payments Today is a division of Networld Alliance a leading business-to-business media communications company that provides news and information on a variety of industries. Founded in 2000, NetWorld Alliance web information portals are used throughout the world and cover the self-service, digital signage, mobile, retail, food service and church industries via Media, Associations and Events.