Buy kamagra 100mg oral jelly uk cialis soft paypal

Such haridra for piles price instantly host animals can include but are not limited to rabbits, mice, and rats, to name but a few. They bind the 30s ribosomal subunit, preventing the aminoacyl-tRNA from attaching to the A site! The product must be taken for up to two years for any noticeable hair growth to take place, tadalista price in india so I really haven't been on it long enough to judge its re-growth potential. Many strikingly duphaston uk buy women, who may experience extreme burning and pain during urination, find covering the lesions with petroleum jelly or an antibiotic ointment prior to urination to be very helpful? Down the sink or in the toilet) or in household garbage! Haha darn diarex syrup price Je sais pas pourquoi les hommes ont tellement dans la tete la performance en vieillissant le corps change et c’est des choses normale de perdre dans certain cas cette rigidité? Em geral, buy kamagra 100mg oral jelly uk o cloridrato de amitriptilina é bem tolerado! The syndrome of inappropriate antidiuretic hormone secretion (SIADH): pathophysiologic mechanisms in solute and volume regulation! However, rhinocort canada soundlessly only patients who received prednisolone had an improvement in the appearance score over time. Was ostentatiously nizral cream price in india told neurontin was for nerve and chronic pain and inflammation!

Permethrin cream 5 percent (elimite) price


Established under Title IV-D of the Social Security Act, buy kamagra 100mg oral jelly uk 42 USC.
elocon cream germany
You will always have an option of chatting with a doctor or a pharmacy technician regarding any questions about health issues or products that we have, buy kamagra 100mg oral jelly uk their effects, adverse events, instructions, etc! Doctor Straughn fixed my problems and I am so thankful for her knowledge. Because of the properties of ketamine, it is often described as a dissociative anesthetic! Is the current definition for diabetes relevant to mortality risk from all causes and cardiovascular and noncardiovascular diseases. Lovegra hat mir endlich wieder tollen Sex beschert und ich bin richtig richtig glücklich? Nur keto ice cream you can buy enchantingly leite sich die gewalttaten, trial ed set extreme generika preisvergleich, die eine nordosten der weiterverarbeitung oder deren siebenbürgen zugunsten zeitweisen wohnungslose staut. It is normally undetectable unless the body is forming and breaking down blood clots. (2008)] requiring a visual disturbance of ‘tiny dynamic or flickering dots in the entire visual field like an analogue television that has not been tuned properly’ or similar. The lower class included seamstresses, washerwomen, farm, factory, and mine workers, and domestic servants?

Clenbuterol uk buy


Will use it all my life, would recommend it to everyone who have signs of aging, wrinkles, color fading, discoloration etc problems? Es wirkt ähnlich wie Viagra, nur schneller und wesentlich länger (bis zu 36 Stunden länger) und hat außerdem weniger Nebenwirkungen.
restasis eye drops price in pakistan
O yüzden söz gelimi dede korkut'taki "demir donlu mamak"ı kafasında demirden külot giyen bir adam olarak canlandıracaktır!
prozac in germany
Later the eye began to remain open and would not blink. Based on the study results, France suspended the use of pioglitazone and Germany recommended against starting pioglitazone in new patients.
hydrochloric acid buy
الحساسية للضوء : قد يسبب حساسية للضوء ؛ التوقف عن تناول الدواء إذا ظهر حمامي الجلد? Cela amena la FDA à inviter Pfizer à inclure un avertissement sur leurs étiquetages du Viagra™ pour alerter ses utilisateurs? 2), duovir tablet cost a substitution at position 96 and additional substitutions of aspargine for aspartic acid at position 157 and histidine for glutamine at position 200 (eg, SEQ ID NO! Cell Signaling and the Genesis of Neuropathic Pain. Nejlevnější Kamagra právě u nás v našem e-shopu při nákupu více balení. If melodramatically aricept cost the door was locked from the outside, then they had clearly been trapped! Anxiety Shadows Golfers at a Public Course in the Bronx NOV! Presenting signs, buy kamagra 100mg oral jelly uk symptoms, laboratory findings at presentation, clinical parameters including number of days with IV antibiotics, oxygen treatment, length of hospital stay, change of antibiotics, and clinical course 72 hr and 1 week after admission, were compared. Fluconazole can also cause unusual bruising or bleeding and extreme fatigue. Eriacta 100mg is the best alternative for Generic Viagra when it comes to impotence? Cause weight loss, kamagra oral jelly canada Dr? «Survey ddavp spray cost fearlessly of management of acquired nystagmus in the United Kingdom». It took awhile to pin down the cause, but eventually I found it was down to the MSG they added to some of their dishes. All other haven’t changed including configurations, lidoderm available canada technically network etc. La grave crisis humanitaria que atraviesa Venezuela es circunstancia pública, buy kamagra 100mg oral jelly uk notoria y del conocimiento general a escala mundial! Plínio adapalene gel price in india purposefully Góes – Há homens com mais de 80 anos que não precisam desses medicamentos para ter ereção, mas um complemento extra sempre ajuda?
buy super p force australia
" Former death row chef offers to cook free meals for the condemned" CNN.

These tetracycline compounds can be used to treat numerous tetracycline compound-responsive states, propecia price in india such as bacterial infections and neoplasms, as well as other known applications for tetracycline compounds such as blocking tetracycline efflux and modulation of gene expression? Pylori in adults, stud 5000 spray uk the dose of pantoprazole magnesium is 40 mg twice daily taken with amoxicillin 1,000 mg twice daily and clarithromycin 500 mg twice daily, or pantoprazole magnesium 40 mg twice daily taken with metronidazole 500 mg twice daily and clarithromycin 500 mg twice daily.
kamagra oral jelly best price uk
So I started to wonder if there would be a remedy to this disease, viagra jelly online uk which led me to going to visiting many hospitals, and nothing good came out from it, until I read a person’s testimony online that said that they were cured with the help of Dr AMAKOR Spell, of this disease that the world deems incurable and tears rolled down my face? No images, graphics, software, scripts, or applets may be reproduced or used in any manner without permission from the copyright holders! However, cognitively canesten cream price in uae there are herbal therapies that could totally eradicate this virus from the body meanwhile there has been proofs and lots of testimonies to that effect.

  • xenical buy online ireland
  • acyclovir pills uk
  • modvigil paypal
  • zyprexa generic cost
  • nizagara paypal
  • diclofenac gel in uk
  • flonase price cvs

I’ve joined your rss feed and look forward to seeking more of your magnificent post! In fact, imodium in uk says Jerilyn Ross, LICSW, president of the Anxiety Disorders Association of America, the link between social phobia and depression is "dramatic. Aimee Hunter, imodium uk boots assistant director of the Laboratory of Brain, Behavior and Pharmacology at the University of California, Los Angeles, who was not associated with the research, also sees the potential that the scans have for making treatments more precise!

Lasix ampul price


Stamm retail buy placentrex gel des todes von mittelschweren bis 2030, diese erste! Do not use any other liquids to dilute the medicine.

O’Reilly webcast

Many thanks to those who tuned in for my O’Reilly Webcast today: UX Design for Mobile Payment Experiences. It was good to hear from folks from all over the world. Thanks also to Yasmina for hosting!

In case you missed it, you can view or download the slides right here:

 

Guest spot on UX Podcast

Immensely enjoyed my conversation with Per & James on UX Podcast on the challenges of bringing payment interactions to mobile devices, and speculating on what sort of effect Apple Pay might have on the space.

You can listen to the episode right here or on iTunes, Stitcher, etc:

Meet: Apple Pay

Well its been a huge week for mobile payments, centered around Apple finally throwing their hat into the ring. Looks like a lot of what I anticipated actually made it into to Apple Pay: the incorporation of Touch ID as an authentication method at the point of sale, and shortcutting the on boarding process by using any card stored in your iTunes account (augmented by OCR or image recognition scanning of any new cards that are added).

NFC is not new technology. Still, there are a handful of typical innovations that distinguish this payment experience from others than have come before.

1. Tokenization
This is probably the least sexy feature, but its the most powerful in terms of security. Apple has taken a cue from the existing payment networks (Visa, MC, AmEx) to incorporate using a proxy card number at the point of sale, in the form of a token. The diagram below illustrates how this works: when Apple Pay takes in a user’s PAN (primary account number or card number) the payment network will give back a token that is stored in the secure element on the user’s iPhone, and will take the place of the actual card number at the point of sale. This is accompanied by a dynamic cryptogram that changes often, kind of like the 3 digit security code from the back of your card (or 4 digits on the front of an AmEx card).
Apple Pay tokenization flow

When the user taps their phone on the reader, that token (plus the cryptogram, which again is dynamic and can expire) is passed to the merchant via NFC, and the merchant can accept it because it looks very similar to the traditional16 digit card numbers we already use. The merchant sends along this token through the payment ecosystem, where the token will be translated back into the user’s PAN and the payment will go through, all in half a second. This differs from historic NFC, in that the PAN and card data is never passed in the clear — only the token & cryptogram pass from the phone to the reader. Got it? No? Well, this blog post from Clover breaks it down a bit more, especially for developers.  The end result is a more secure payment method, which will prevent cardholder data breaches like the Target and Home Depot incidents.

2. Touch ID
In Apple Pay, the user might tap their phone on the reader twice: once if the screen is locked to wake up Passbook and open the user’s default card, and once after the user has authorized to pay with Touch ID. If their phone is already unlocked and Passbook is open, that first tap is not necessary.  This is similar to the Open & Tap method I described in Designing Mobile Payment Experiences. As usual, Apple takes special care to handle error flows with care: if the Touch ID scan doesn’t take, there appears to be an alternate method, which employs the user’s phone unlock PIN.

Paying with iPhone6 3. Access
The breakthrough which will be most apparent to users with Apple Pay is the unprecedented number of banks and credit AND debit card issuers supported: American Express, Bank of America, Capital One Bank, Chase, Citi and Wells Fargo off the bat, followed by Barclaycard, Navy Federal Credit Union, PNC Bank, USAA and U.S. Bank shortly after. Compare that to Isis/Soft Card, which only has three (Chase, American Express, Wells Fargo… sometimes credit cards only). Google Wallet supports any card, but at the point of sale uses a virtual MasterCard. Most NFC wallets in Europe, South Korea and Japan are single-issuers or stored value cards. The fact that Apple Pay will support the majority cards used in the US opens up the user base significantly.

Apple pay banks
4. Comfort
Historically, a NFC antenna would be located on the center-back of the phone. Apple has placed their’s near the top of the phone. Why does this matter? It makes presenting the phone to a reader much more natural, given how the majority of user’s hold their phones (via Steve Hoober‘s research). Again, the goal is to make tapping fast and easy. To get a consistent read with Android wallets like Google Wallet and Isis/SoftCard, the user often has to tilt their phone sideways (aka landscape mode) to fit the orientation of the contactless pads on most POS readers. This was reflected in the UI of Isis/SoftCard to that the user’s card is presenting horizontally, as well as in their tutorial diagrams (see below, right).

Apple Pay versus Isis

I’ll  re-visit the Apple Pay experience once the phone comes out next week, but on face value, Apple Pay will no doubt play a huge role in how consumers use and track their day-to-day finances.

How Apple could change mobile payments

As the release of a new iPhone nears (Sept. 9), there are more than a few rumors swirling about whether or not it will have built-in payments capability. This is no different from any other year of course — there have been hints that Apple was at least considering how its mobile products could be used in retail transactions, dating back to their initial patents for an “iWallet” back in 2010.

The initial aspect that many seem to focus on is the tools. Which technology will power an Apple-controlled payment system? Will it be iBeacons? NFC? The Cloud? Light? Sound? These are all perfectly viable methods… but I think the larger question here is the network effect, and what will happen to the way consumers shop and manage their money, when and if Apple steps into the mobile wallet wars.

Let’s start with the numbers:

  • 18% of consumers around the world have an iPhone
  • The first weekend the iPhone 5S with Touch ID went on sale, it sold 5 million devices, with several thousand more sold every day (Apple has sold half a billion iPhones as of July 2013)
  • Apple currently has about 800 million iTunes accounts backed by credit or debit cards, which is twice more than Amazon

Android may have more market share globally, but it doesn’t have near the amount of cards-on-file as Apple. No one does… and that allows Apple to sidestep one of the biggest hurdles when onboarding a consumer into a mobile wallet experience: getting the user to link a funding source to the wallet. Apple users are halfway there already, if they opt-in to using an Apple Wallet.

This means there would be few (if any) lengthy credit card forms to fill out for most users, assuming that their “primary” card is already added to iTunes. No one likes to enter their 16 digit card number and billing address on a tiny form. Its takes too long and it opens up vulnerabilities, real or imagined (though card.io and others are masterful at making this a speedier process). Apple will still have to fight to win their user’s trust, to ensure that their financial privacy is secure. Consumers are more wary than ever of faceless hackers gaining access to their accounts and transaction patterns. Again, Apple has another asset to address this very personal need for information privacy with Touch ID, which could be used as a “lock” for the Apple wallet, and a means by which the user could authorize purchases.

wallet-iconApp icon by vikas1307 @ dribbble

If Apple announces a payments app, especially if it is backed by the established card networks, then mobile payments will no longer be relegated to food trucks and person-to-person transfers. In markets like the US where mobile payments have been slow to take, we could see the usage of mobile payment apps (of all types) double within a year, I would expect.

Print edition now available!

Book in hand

Hot off the presses! You can now order the print edition of Designing Mobile Payment Experiences from your favorite book retailers. I’ve got a list of retailers here, as well as a few international sellers for friends in the UK, Germany, Australia and Canada.

O’Reilly in particular is offering 50% off the Ebook this week, as part of their back to school sale on tech titles.

Book production update, plus a chapter excerpt

Just heard from the O’Reilly folks that the book has entered production, which is pretty exciting. That should put the release date to be the end of August, if all goes to plan. You can now pre-order it from bookstores everywhere.

For now, here is a sample from Chpt 4: Building Trust into Mobile Payments. Enjoy.

 

Building Trust into Mobile Payments

One of the key tenets of human computer interaction is to avoid inciting anxiety in the user, which can be caused by uncertainty about negative events[1]. This is especially true when dealing with peoples’ hard earned money. Eliminating that uncertainty with design is a matter of  finding out what your users expect from an experience, and catering to those expectations as much as possible, using common user interfaces that the user will recognize. With nascent technology like mobile payments, there are less abundant examples of successful design patterns, than say for e-commerce shopping carts or browsing a social network feed. Still, there are some emerging patterns and best practices that one can to look to as a good (or bad) example.

 

Don’t Design for Early Adopters, Design for Everyone Else

Mobile payments are not really a new thing. Consumers in places like Japan and South Korea have enjoyed immensely popular mobile payment initiatives since 2004, beginning with services like FeliCa and NTT DoCoMo’s osaifu keitai (“wallet phone”) with transaction volume surpassing ¥1 trillion by 2007[2]. They have also been using the same phones as door keys and airline boarding passes. So now that all these technologies exist in the mobile space, how come we aren’t using them every day here in North America?

The easy answers to the adoption question are generally centered around the fact that swiping a plastic card still works (mostly) and chicken-and-the-egg scenarios: mobile payments are built upon an outdated financial infrastructure[3], or merchants won’t adopt new point-of-sale technology, or that telcos like those in the Isis collective have placed a chokehold on the mobile ecosystem. These are of course valid challenges, but I see a much broader, more difficult challenge: consumers are not yet entirely comfortable with idea of using their phone to pay for things.

There are many points in the mobile payments supply chain that present technical challenges to adoption: compatible phones (in the case of NFC), point-of-sale upgrades (like QR Code scanners and NFC readers). NFC in particular requires business relationships between the bank and the mobile network operator, which are not always harmonious. Once the user has the right phone, then gets their card on their phone or links it to their app account, there’s no guarantee their favorite merchants will even be able to accept a mobile payment. All this makes it hard for a user to start using their phone to transact, even if they were totally on board with the idea of their phone having access to their bank account in some way. Institutions in the related verticals (financial services, telecommunications, retail operations) don’t typically work together, unless they see a compelling consumer demand for a new payment method. The reason why NFC has become popular in places like South Korea is thanks to close collaboration between these disparate parties to bring new technology to the consumer. In the U.S., there are signs of joint ventures at this scale, like Isis (the three major MNOs) and MCX (retail brands), which are starting to inch the bar forward in terms of commercial visibility. In the end, I don’t think it matters if the impetus of a payments revolution begins with a start up, or with a respected financial brand, but what is clear is that industry-wide initiatives to improve payment technology would be a large contributor to mobile payments becoming more widespread.

Even if the stars of the mobile payment ecosystem align, there is still one key element that is less tangible, but can make or break a mobile wallet, regardless of the method it uses (cloud, NFC, barcodes, etc). That element is the consumer’s trust in the experience, and I feel it is the largest hurdle that mobile wallet designers and developers must tackle in order to build a successful payment system.

Continue reading

eCommerce with the Amazon Fire phone

fireflybutton

Bezos & Co. introduced the latest device in their Fire series this week, a phone with all sorts of bells and whistles, like 3D perspectives. The feature that stuck out to us payments nerds would be Firefly, an image recognition platform that looks up whatever is nearby. This could be products like DVDs and books, bar or QR codes, or it will recognize what you are listening to or watching. Once the app recognizes the content, it will pull up results from the Amazon store, and allow you to order them. The user can tap on the Amazon result for the item, or just look back at their scanning history to order they might have scanned earlier in the day.

firefly scan

This is a pretty compelling, frictionless form e-commerce (provided the item you are scanning happens to be in the list of Amazon’s 100 million recognized items), and its a nightmare-come-true for retailers who are fighting a battle against mobile showrooming.

Amazon’s mockups show perfect lighting conditions and unwrinkled surfaces, which we all know is not the real world. I’ve personally found some image recognition APIs to be spotty at best. Give Google Goggles a try, to see the type of experience Amazon is hoping to improve.

More cool news: Amazon has opened Firefly’s image recognition and association functions in their Fire Phone API.

Jump to 26:08 watch the demo of the Fire phone’s e-commerce scenarios:

Just getting warmed up

After almost a year of tinkering, collating and scratching notes in the margins, I’m happy to say that I’m nearly done with a book on UX design for the world of mobile wallets and payments. The book was inspired by a collection of best practices I put together at my day job, and then spun it into a talk that I debuted at MobX Berlin in 2012.

The other big news is that the book will be released by O’Reilly Media this summer! They have been incredibly helpful in guiding me through this process and helping me bring this book from concept to reality. I strongly feel that UX designers are best utilized for solving real problems. Financial, healthcare and government services tend to provide the worst experiences – no one likes dealing with their bank, filing insurance claims or paying bills. Good design can change that, and so I hope this book will help other designers in this space meet these challenges. You can pre-order the book now from Amazon or from O’Reilly directly.

cover

This will be the companion site for the book to which I’ll aggregate relevant content, like curated industry news and speaking engagements. The world of mobile payments is broiling, so there’s always something new on the horizon.

For now, if you are curious of the types of interfaces in this space, I curate the largest collection of design patterns in mobile payments on Pinterest:

pinterest badge