Page 14 - Mobile World Daily - Day One

NEWS
Big data to help stymie
fraudsters who target IoT
By Paul Rasmussen
Cyber criminals will be
presented with a fantastic
opportunity as the Internet
of Things (IoT) becomes deployed
across a wide array for services.
This threat, according to Chris
Green (pictured), MD of BAe
Systems’ financial crime unit, is a
key challenge to the future success
of IoT, and one weak link will slow
the uptake of any revenue streams.
“Establishing trust is the second
challenge,” maintained Green. “It
will be the key to getting good early
adoption of IoT and thus enabling
new revenues to be generated
throughout the supply chain.
Passing the buck on data ownership
PayPal looks to
partnerships to survive
payments upheaval
By Joanne Taaffe
Changes in how retailers use
technology to engage with
shoppers promise to “rewire
the commerce experience over the
next three years,” according to Anuj
Nayar, senior director of global
initiatives with PayPal.
But it also means Apple, Google
and Facebook are joining messaging
players and mobile operators in the
land grab for the future of mobile
payments. And that creates
challenges for PayPal, which eBay
plans to spin off from its structure in the opportunity to ‘opt-out’, so no
2015.
PayPal, which in 2014 processed
$168 billion of payments, is betting
on partnerships to deliver a global
platform that makes it easy for
merchants to accept any form of
payment, while incorporating value
added services such as loyalty and
coupons, said Nayar. But retailers
and payment providers will need to
tread carefully.
Bluetooth-based beacons, which
allow retailers to target shoppers
with offers and discounts, are one
PAGE 14 Monday 2nd March
won’t work and so a key question is
how to build this trust.”
One significant weapon in the
fight against these online criminals
will be the use of big data
techniques to constantly model
fraud threats and fine-tune
detection algorithms, said Green.
“The result is better fraud
detection and prevention of losses.
Big data analytics is a key
component of that, and our
NetReveal platform is the tool we
use to extract meaning from large
volumes of high-velocity and high-
variety of information assets, be
they bank transactions, insurance
claim data or mobile operator base
station site performance data.”
potential force of change, but they
come with challenges.
“With Beacon devices, we’re
opening the door to a fundamentally
different way to use technology to
make shopping richer and more
valuable for consumers and
merchants alike,” said Nayar, who is
one of the senior PayPal executives
attending Mobile World Congress
this week.
However, beacons also raise
questions of consumer privacy.
“Consumers should always be given
information would be transmitted to
the merchant,” said Nayar.
Like its competitors, PayPal
believes “mobile devices will be at the
center of the revolution,” said Nayar.
And Nayar claimed “many of our
competitors’ new announcements
validate PayPal’s approach of being
technology agnostic,” adding that
“we’re excited that Apple named
Braintree as a preferred payment
partner for Apple Pay. We’re able to
support many of our merchants who
want to enable Apple Pay, via the
Braintree v.zero SDK.”
Creoir will debut the
Harmony Watch concept at
Mobile World Congress, a
wearable targeted towards
“fashion and health
conscious” women.
Made using ceramics, leather
and stainless steel, the watch
will track metrics relating to
activity, light and sleeping
patterns to “summarise
wellbeing in one single glance”.
Mobile operators, according to
Green, need to provide real-time point
of application fraud checks as well as
customer profiling to help detect
fraudulent behaviour. “They should
look at social network analytics for
improved risk-scoring, detection and
prevention, and there should be
integrated case management for a
wider visibility of risk, faster response
and cost efficient alert processing.”
However, the BAe exec warned
that operators must prepare
themselves by ensuring positive,
informed consent from consumers.
“Collect what you say you will, use it
only how you say you will, and tell
consumers if you think they have
consented,” he said.
Doro debuts latest
smartphone for seniors
By Steve Costello
Doro, a maker of
smartphones focused on the
senior market, is using
Mobile World Congress to
showcase its new device, Liberto
820 Mini, suggesting the device
could be its “breakthrough product”.
It is a smaller version of the
Liberto 820 launched in the fourth
quarter of 2014, with a 4-inch
screen rather than 4.5-inches. It is
said to offer “a full Doro
smartphone experience at an
accessible price point”.
Chris Millington, managing
director at Doro UK, told Mobile
World Daily that the device is likely
to find a fit with retailers and
operators focusing on the pre-paid
and lower-cost contract markets.
“It hits a bigger audience, and it
appeals to both pay-as-you-go and
pay monthly customers, therefore
it’s a much bigger product, and it’s
good fun,” he said.
While noting the size of the
potential market for the device,
MOBILE WORLD CONGRESS DAILY 2015 | www.mobileworldcongress.com
Green called for IoT to be shipped
‘secure by default’. “Don’t expect
consumers to secure your products
for you. Be prepared to be breached,
and plan accordingly. Accept that
despite your controls, breaches may
happen.”
Millington noted the absence of
products from vendors targeting
this sector.
“Most of the players are ignoring
the senior market, or just look at it
as ‘everybody over 60 is just old
and decrepit’. While we completely
disagree with that view, I’m quite
happy for them to think that.
Because it leaves us to do what we
do,” he said.
The device has a user interface
that is designed to be “extremely
easy to and intuitive”, with a built-in ideally placed to securely remove
coach embedded in all core
applications.
It also has a compatible charging
dock which activates a “dock
mode”, turning the phone into a
clock, alarm and photograph
slideshow. It also automatically
switches calls to the loud speaker,
has a do-not-disturb function and
plays music.
Liberto 820 Mini comes with four
colour options – grey, white and
sliver, white and black, or red. It is
launching with UK MVNO Tesco
Mobile.
Telenor Digital
adopts start-
up mentality
By Joanne Taaffe
Telenor Digital has the
challenging remit of
developing services that will
guide Telenor towards a future as an
internet telco. To achieve this
Telenor Digital adopts the mind-set
of a start-up, which, as Sven
Størmer Thaulow (pictured), COO &
SVP of Telenor Digital readily
admitted, can be a balancing act.
“You need to have a management
that understands that [running a
telco and developing internet
services] are two completely
different games with completely
different rules.” Get it right,
however, and entrepreneurial teams
within telcos benefit from much
greater distribution and financial
strength than they would within a
start-up, explained Thaulow.
Telenor Digital has several irons
in the fire, including co-ownership
with the media group Schibsted of
Sobazaar, a shopping and fashion
app. Fashion may not be an obvious
choice for a telco, agreed Thaulow,
but the unit wanted to develop a
digital service that targets a highly-
engaged customer segment and
better understand what “makes
these kind of services fly”.
Key to building a successful
digital service is making it easy to
use. Thaulow believes operators are
obstacles to logging into an app or a
web-page. “By succeeding in the
digital identity space, mobile
operators will become a more
visible part of consumers’ everyday
digital life,” claimed Thaulow.
But operators’ approach to digital
identity currently varies by
geography. “In mature markets,
operators are skewed towards
providing highly secure mobile
centric authentication for banks and
the public sector. In emerging
markets the focus is on providing an
easy-to-use mobile authentication
for general internet services. But all
markets need to have both in place;
it’s a matter of timing,” he said.
Thaulow is also confident mobile
phones will become a leading
payment mechanism, as the
introduction of Apple Pay, NFC
contactless payments such as
Telenor’s Valyou, and initiatives
from banks and retailers take root.