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The mobile payments market has come along leaps and bounds in the past few years. We've went from using them hesitantly to making these payments a part of our everyday lives. Even in stores that accept contactless or for sending money to one another, we've been using this payment method more and more.


Right now, there's a massive war ongoing between various payment providers. Alternate payment providers, like Apple Pay and PayPal are now becoming even more popular than banks. This is because they are flexible, easy to use and generally don't add extra charges to their payments. These eWallet services now offer a viable alternative to traditional banking, which users are quickly catching on to.



Back in 1998, PayPal first came onto the scene and there's no question that this revolutionised how we pay. This product was well placed at the beginning of the online shopping boom and this was a great time for this to occur. People wanted to experiment with online payments but were still wary of the dangers that it posed. PayPal was a convenient way for users to get extra security while using this service.


As far as payment methods are concerned, PayPal is still king. This is true in just about every sector, from online shopping to gambling. The sheer number of sites accepting this payment method is almost frightening, as it's undoubtedly the most popular eWallet. Take mobile bingo pay with phone bill sites as an example, these bingo sites outnumber those that accept Neteller, Bitcoin or Paysafecard.


Through using these alternate payment methods, the online gambling sector is able to entice even more players that perhaps would not have deposited if this was not an option. This helps the industry to look more legitimate and get rid of some of the stigma surrounding the industry.


Apps for mobile payments just make the whole process much more convenient. Players can easily keep an eye on what they're spending and their own security. Banking providers are attempting to keep up with this by pioneering their own apps but these don't usually have quite as much flexibility. They also have more stringent security, often requiring three step processes to verify a payment.



For this reason, alternate mobile payment methods like PayPal must have more fraud protection in the case that their security is subverted. This allows them to offer easier ways to make payments while still accepting liability if they are breeched, which makes users a lot more comfortable.


In the future, it seems that Google will be one of the driving forces of innovation. They're currently working on a product that would use the contactless of your card, while it's still in your handbag. All of their innovation seems to be geared towards making the process easier and faster for users to pay.


Over the next few years, we'll probably see some massive changes to the way we pay with mobile. PayPal will likely still top the charts but this could shift quickly if another payment method does things better.



If you have not heard already, a new age or epoch has begun, named as Anthropocene or the "Age of Humans." In this age, technology has reached heights considered impossible just a few years earlier and for those of us who love online gaming, there was never a better time than this. To be able to play casino games online and win real money on secure online casinos like M88 Asia is actually possible today, thanks to technology. We will now take a look at the most impactful tech trends that have changed and will continue to change online gaming for the better.


The Most Important Aspect: Security


What had kept a lot of online gamblers away from the e-casinos earlier was the insecurity of online transactions. However, the online transactions have now become way safer due to the combined efforts of the multi-billion-dollar gaming industry, banks and other financial operators worldwide.


The next step towards an even better form of security while gaming online is the use of tokens or "tokenization" which will leave zero vulnerability in the process of a financial transaction on the internet for a hacker to exploit. In other words, you won't need to enter the details of your credit or debit card to play online casino games very soon, but just a unique one-time PIN number.


Convenience


It is no longer necessary to sit in front of a desktop while playing online games, because technology has now made them accessible from laptops, tablets and even right from your smartphones. You can just lie on your bed or relax on your sofa while winning real money from the app you just installed on your phone or tablet. They are available across multiple platforms like the iOS, Android and of course, Windows. Things will become even more convenient as HTML5 becomes publicly accessible and more utilized in the near future.


The Jackpot or the Winnings


There would be little incentive to play online gambling games if the prizes were not big enough. As it turns out, the jackpots are getting bigger every day as more and more people begin to join in. The potential amount that the player can win will only increase with time.



As the most recent statistics from OFCOM reveal, mobile phone use in the UK is now almost universal with 94% of adults owning or using a mobile (Q1 2017). Of these, 76% have a smartphone (Q1 2017), while the number of households that are ‘mobile only' has risen to 18%. Combined with this significantly greater use, the proliferation of apps that we use for everything from booking tickets to watching what we eat would seem to suggest that our reliance on our mobile devices is only going to increase.


One of the most significant changes that mobile technology has brought about is the way we pay for goods and services. There has been a rapid and significant increase in the number of people in the UK who make purchases both online and in person using a mobile phone.


This has in large part been brought about by a significant increase in the use of contactless payment cards across the UK, along with other mobile payment systems such as Apple Pay and Android Pay, Boku, along with a burgeoning range of person-to-person (P2P) apps that enable you to instantly transfer money electronically to another individual, often without having to go through a bank.


However, while the number of contactless card payments in the UK as a whole has grown exponentially (more than £25 billion was spent via contactless payments in 2016), it has been interesting to note that UK consumers have not embraced other forms of mobile payment quite so readily. For instance, Apple Pay, Android Pay and Samsung Pay have not quite had the impact many expected (despite the fact that the number of Apple Pay transactions in 2016 grew by 300%).


While most people in the UK are more than happy to use a contactless debit or credit card (i.e., a card that does not need to be inserted into a card reader and for which no PIN is required) to make a payment at a supermarket or coffee shop, they have not necessarily seen the need to move over to alternative payment systems where only a mobile phone is needed, such as those offered by Apple, Google and Samsung. For instance, payments made using Apple Pay or Android Pay by passengers on Transport for London services account for only 8% of all contactless card payments (albeit this figure is up from 3.5% twelve months earlier).


Security concerns are cited by some as preventing them embracing card-free payment technology, while others have not seen a pressing need to adopt the technology given that existing ‘tap and go' or ‘wave and pay' cards largely do the same job. There is also the sentiment expressed by many consumers that losing a mobile phone or having it stolen is a traumatic enough experience without the added complication of card security being compromised as well.


Another reason that has prevented greater uptake of mobile payment services has been their hitherto relatively limited acceptance, meaning that consumers haven't found that there are enough opportunities to use the system to warrant switching over to it entirely.


However, two important factors point towards much faster growth in the mobile payments sector in the very near future. Firstly, the demographics. The latest available data from 2016 showed that almost 60% of payments made in the UK using Apple Pay or Android Pay were by users aged 16-34. If these early adopters continue to use the technology moving forward, this will impact significantly on the overall number of users, as currently only 3% of users are aged 65 or more. In ten to fifteen years, however, we can expect to see a much wider spread of age groups experienced in and used to using mobile payments.


Another game-changer could be Apple Pay's move to accept limitless payments. To date, most card readers that accept contactless payments (both mobile phone and card) have a maximum transaction limit of £30. However, the majority of tills in the UK that accept Apple Pay are now able to process payments greater than £30, and it is expected that this will have a dramatic impact on uptake rates, and will give the mobile payment system a distinct advantage over bank-issued contactless debit and credit cards.


Android Pay too is making inroads in this sector, and while uptake has been slower than expected since its introduction to the UK in 2016, the fact that 60% of the mobile phones in the UK use the Android operating system would suggest that there is much unrealised potential for growth. The launch of Samsung Pay, and the Barclays Bank mobile payment system (available through its own native mobile banking app) have further broadened the choice for consumers in this area as well.


Therefore, it would seem to be the case that while acceptance of mobile payment systems in the UK has been steady rather than explosive, a significant incremental increase in uptake is expected to continue. And whether people are aware of it or not, it will soon be the case that just about everyone in the UK will soon be carrying in their pocket or purse the mobile technology to pay for a coffee, buy the week's shopping, or book a holiday, without the need for a conventional plastic card at all.


Popular mobile payment methods


As well as direct mobile payment systems, there are many other ways in which mobile phones can be used to buy goods and services in the UK.

 

Pay by Mobile



Pay by Mobile is an increasingly popular way of making payments via a mobile phone. When you make a purchase using Pay by Mobile on a service like Boku or Fortumo, the amount you spend is added to your monthly mobile phone bill if you are on a post-paid plan, or deducted from your balance if you are on pay-as-you-go.


The Pay by Mobile payment method has proved very popular with the young, and payment solutions like Boku are frequently used in the leisure sector, with mobile casinos for instance offering a range of payment methods and Pay by Mobile options. Carrier billing payment methods are also a popular alternative for those without traditional banking arrangements, such as credit or debit cards, and are an especially convenient way of making in-app purchases or subscribing to streaming services. There are also specialist services like PayByPhone that enable you to pay for your parking across the UK with your mobile phone, or OboPay which enables you to make person-to-person payments that are charged to your mobile phone account.


Another reason for the popularity of Pay by Mobile payment systems like Boku is that the costs are charged to the merchant rather than the user, making it a cost-effective way of making digital and online purchases.


One of the most significant developments in carrier billing services in the last year has been a proposed partnership between Boku and ALTBalaji to stream original video content to customers globally. This will no doubt further increase the appeal of highly convenient Pay by Mobile payment systems.


E-wallets



E-wallets have long been one of the most popular online payment methods and they can be used for mobile payments as well. Skrill and Neteller are the two most prominent and widely accepted e-wallets, and can be used to make online purchases for a wide variety of goods and services via mobile. Many users appreciate the security that e-wallets give them, as they act as a third-party middle man between you and any retailer or service provider you deal with so that they don't have access to your bank account or credit card details.


There are fees attached to using e-wallets, usually when you make a deposit into your account. However, most retailers or leisure providers that you deal with won't charge you for making a purchase or adding funds to a casino account, for instance.


Recently, both Skrill and Neteller expanded into offering P2P payments. With Skrill, all you need is the recipient's email address or mobile number, while for Neteller money transfers only an email address is required.


P2P payment apps



Person to Person mobile payments (generally known as P2P apps) are a quick and straightforward way of transferring money from one person to another using a mobile phone, often without the need for bank accounts. P2P apps are designed for transferring small amounts of cash, rather than large money transfers.


P2P apps have proved to be an especially popular way for friends to repay small amounts of money, or to share the costs of purchases or services (e.g., splitting the bill at dinner, or for buying tickets to a show or match), and there are a growing number on the market. Each has its own different capabilities, with one of the most notable differences being that some will require both parties to have the app, while others let you send cash to, or request money from, anyone with a mobile phone. The cost of using these apps will vary as well.


One of the most popular P2P apps in the UK is Paym. You link the app directly to your mobile or online banking account, and so any money you send goes straight from your account as it would with any other purchase. All you require to send money to a friend is their mobile phone number (the Paym app will access your contacts for this) and the recipient will get a text saying they have been sent cash by you (provided their bank supports the Paym system).


One of the biggest developments in P2P apps is the news that Facebook has now launched Person to Person payments in the UK. Using the Messenger app, you can send cash either from your mobile or your laptop, and once you have linked a debit card to the account there are no fees applied. There is a maximum transfer amount of £2,500, although like most P2P apps, the majority of people use it to transfer small sums to friends. 


Contactless credit and debit cards


Currently, credit and debit cards remain the dominant form of contactless payment and are generally used more often than mobile payment methods. However, Barclays Bank has now launched its own mobile payment system which removes the need for a physical card and enables its customers to use their mobile phone to make purchases in the same way as they currently do with a tap-and-go card.


However, as discussed above, as Apple Pay and Android Pay make further inroads into the market, it is expected that other major high street banks will also launch their own mobile payment systems. And although no-one is expecting it to happen anytime soon, just as cash was overtaken in 2016 by contactless cards as the primary means of making physical purchases, it's not unreasonable to expect that plastic credit and debit cards will go the same way in the not-too-distant future.


The future of mobile payments



It's hard to imagine a future where mobile payments don't become the dominant means of making purchases both online and in physical stores, not only in the UK but globally. Mobile payments have become especially beneficial in underbanked regions of the world, most notably in Africa, and with the number of mobile phones users worldwide predicted to top 5 billion by 2019, the further uptake of mobile payment systems would seem inevitable.


As we carry more and more of our lives around in our mobile devices, it is logical to expect that we will further embrace technology that is integrated within these devices. Mobile payment systems reduce the need for physical cards, make transferring money quicker and easier, and enable us to access the growing number of digital and streaming services with greater ease. So even if your mobile phone isn't your wallet right now, you can almost certainly expect it to become so in the future.



It is no secret that the casino business has gone through a number of drastic changes in the last few years and all things suggest that there are still many more to come. Of course, most of these changes in the gambling world were brought on by the impact of technology. Instead of fighting against the tide, the gaming business has adapted itself to these changes as well as any other industry. Let us now take a closer look at some of the most important changes which are happening right now or will happen in the very near future.


Bitcoin is the Ideal Currency of the Gambler



If a player uses bitcoin to make bets online, he/she doesn't have to pay currency conversion charges. Also, since bitcoin is not connected to any central bank, the ever-changing world economy doesn't affect the digital currency in the same way that it affects other generally accepted currencies like the US dollar or the Euro. Bitcoin also keeps the players anonymous, secure and safe from any attempts at identity theft. The casinos that don't accept bitcoin yet will soon begin to welcome it in a few more years' time.


Traditional Casinos vs. Online Casinos


This age old debate of which is a better option is coming to an end with each passing year. Players can now simply go on Netbet and play with other players from around the world in a live action casino with a real dealer or choose to try out their luck at the virtual slot machines if they do not feel like socializing. Traditional establishments are starting to open up their own online casinos and live action casinos are blurring the line in between the two. In other words, technology is actually making the two natural enemies work together with each other in building a unified gaming empire for the future.


The Portable Medium



Apart from being the most used type of consumer technology in the world right now, smartphones have also added a new dimension to the gambling industry. In the beginning, you had to visit a physical casino to gamble, but that all changed with the arrival of the online betting sites. However, you still had to sit in front of a computer or a laptop in order to access the online options. Right now, gambling applications and support for mobile devices on all major gaming sites has ensured that players can gamble whenever they want. It doesn't matter if you are travelling, lying on your bed or even sitting on the toilet seat; if you want to gamble, you can do it from anywhere with your smartphone. In the coming years, the number of smartphone users will continue to grow globally and so will the number of online players.


Expectedly, more countries will open up to the business in the coming years, allowing online casinos to touch markets that have so far been shielded from the world of gambling by conservative governments. It will take time but it should happen eventually.


mobile-gaming-2019


Game-changing technologies are sweeping every industry and gambling is no exception. One trend that has caught the eyes of the casinos worldwide is the massive surge in mobile gambling. Take a look at these numbers.


In 2016, the share of overall gambling worldwide was close to $400 billion. In contrast, online gambling's share reached $50 billion in 2017. This was an exponential jump within a time span of six years from $30 billion in 2011.


Let's take a look at the key trends sweeping the online gambling industry as well as the effect they are having on the mobile online casinos.


VR takes central stage


Ever since we got Oculus Rift and Samsung Gear, the VR technology is showing no signs of slowing down. Today's virtual reality casinos create an experience so close to the real land casino that it's hard to differentiate. You can find slots, blackjack, roulette and other specialty games complete with all the action, sound, music and lights. 


Slot Millions, one of the first VR casinos offered the slot game "Starburst," which has been a major hit with its outstanding graphics, immersive soundtrack. Even NetEnt dipped its toes in the VR world with "Jack's World," its hugely successful take on the classic slot game Jack and the Beanstalk as a foundation.


Nowadays players also can enjoy live streams that don't need high-profile investment and a combination of 3D graphics and 3D sound.


Cryptocurrencies

 

Cryptocurrencies have made landfall in the gambling world. Various benefits - anonymity, speed, tax-free status, security, and low fee - that comes with using a cryptocurrency like Bitcoin has attracted a lot of players.


It has got the attention of casinos with a lot of crypto coin casinos popping up. Perfect compatibility of cryptocurrencies as a payment method with all the mobile devices is further propping up cryptocurrency as an acceptable trend at all the best mobile casinos.


For example, 1xBit.com, an online multi-cryptocurrency-accepting casino has been widely regarded as a trendsetter. It offers unique software for placing sports bets and playing casino games from the top-providers. Players can easily bet on more than 50 sports.


Better user experience


Online casinos recorded an unprecedented profit (over $40 billion) last year with the advent of technologies like the IoT (Internet of Things). A rise in the connected devices has worked wonders for every industry today with an unbelievable amount of data analytics at the disposal of enterprises, and the gambling industry is also taking note.


Information gleaned from the analytics is being used to offer better user experiences for all the casino games on offer. Online and mobile casinos have an advantage over the land casinos as they can react instantly to every iota of data player give them like the choice of games, the length of time spent on each game, and the best time the players like to play.


That's how the developers of online slot games can decide what works better. Games with powerful supplementary video and audio content, branded stuff, or theme offerings?


More attention to safety & security


All this talk of technology hasn't left the safety and security aspect untouched. The industry is worth billions in the gambling industry with rising hacking attacks on the mobile casino sites.


Online casinos and mobile casinos are now increasingly deploying the latest SSL encryption techniques to layer the important financial and personal data. The RNG (Random Number Generator) technology is being used, which is as close to the universal laws of randomness, as you can get.


Phone providers offer increasingly sophisticated device fingerprinting fraud prevention solutions to identify users.


Also, banks have become vigilant when it comes to online and mobile payments. Then there are a host of regulatory bodies that exercise tight control over land as well as online casinos activities. This ensures that players get a fair deal and their information isn't tampered with.


Live casino games


Mobile gambling has latched on to the fascinating world of live casino games. Ever since the first roulette game was rolled out on the mobile platform, all the casinos worth their salt offer a varied range of mobile gaming solutions.


Microgaming introduced the live dealer games back in 2006. Today's live dealer casinos online offer an unparalleled experience in poker, casino, baccarat, roulette, and slots. Players get advanced socialization experience, which combined with a land-based casino atmosphere, is becoming popular.  The attractive bonuses and VIP programs are also proving to be a huge draw among players.


Conclusion


The coming years will see further growth in online gambling and more players in the market with sophisticated technology.


The key mobile gambling trends discussed should all be good for the player as vendors fight ruthlessly for their attention and more importantly, money.


There will be some winners, and there could be a lot of losers - we wouldn't like to make a bet on it!


mobile-gaming-trends


With smartphone and tablet expansion, the mobile gaming market has shown extraordinary growth in many parts of the world. In Europe, Japan, the US, and the Asia Pacific, these smartphones have emerged in the market increasing a great change on the way we communicate. In addition, the development of the internet pushes the accessibility of many games and applications to the mass.


Therefore, tied with wireless technologies like Bluetooth, Wi-Fi, and many others, the gaming industry has improved the development of wireless multiplayer gaming. So, what are the biases that can be expected in the coming years? Let's take a look at the mobile gaming market trends.


Mobile Social Network Games


The proliferation of social media has improved the social gaming and today, it is one of the fastest growing fields in the gaming industry. Social gaming is the trend activity and with the demand of the fans, the operators release more and more innovative games. Among the most popular social media sites are Facebook, Instagram, Twitter, and Linkedin but there are also other platforms for best social interactions. The social gaming is a vibrant sector that will surely be the future of the online gaming industry.


More Cross-Platform Mobile Payments


According to the reports, 84% of the tablet owners play games and 68% of them spend one hour a day playing these games. This means that the smartphone and tablet games contribute to the global gaming market progression. Cross-platform mobile payments are one of the trends allowing the players to pay by landline casino via BT or other UK providers or via mobile phone billing operators, connecting with other participants by using wireless technologies or even offline. Cross-play is becoming increasingly popular because it provides the players to join other participants on different systems.


App Store and Google Play Distribution Platforms


Google Play and App Store allow people to download or buy everything including the various types of games. With the mobile games incredible increase, more and more avid gamers use these two stores. In addition, the growth of Android Mobile OS and iPhone increases the reputation of the gaming industry. Google Play is Android smartphones and tablet whereas App Store belongs to your iPhone, iPad, and iPod touch. Although they have appeared a few years ago, downloading various games is still a trend in the gaming segment.


Mobile 3D Game Development


Even though the 3D slots appeared a few years ago, the mobile gamers still appreciate the gaming experience with this innovation. With the technology advance, three-dimensional games are more immersive, interactive, and realistic. As almost the tablet and phone owners play games, mobile 3D games have remained a lucrative market to the gaming industry.


The Introduction of 5G Network


Despite the fact that the new 5G network is expected to be launched this year, the mobiles using this network will surely become a tendency in the gaming market. Today, network operators have 4G but with the arrival of 5G, downloading new games will become faster. Besides, many 5G devices are also expected to appear before the end of 2019. This year generally supposed to be the 5G year when a lot of 5G mobile phones will the mainstream first choice.


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