When camera-phones were first launched the digital camera commerce was not at all concerned, claiming they would never catch on and never rival their sales. This reliance was shattered when camera-phones took 90% of the market. The world's first camera-phone was launched in 2000. By 2003, more camera-phones were sold globally than all stand-alone digital cameras. By the next year, camera-phones alone outsold all types of stand-alone cameras (digital and film-based). Today camera-phones outsell stand-alone cameras by 10 to 1.
In hindsight, it should have been clear from the outset, the huge consumer uptake. Mobile phones are everywhere, portable, favorable and always on you, it just makes sense.
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At the starting the camera-phones had a few issues, like low mega-pixels and only being able to send it as an Mms. But as these problems were overcome, there was nothing standing in the way, and the whole mass store shifted.
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- Smooth yet grippy rubberized exterior texture
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So as Mobile banking and m-commerce are starting to take off, statistics like this are very promising.
The camera-phone can be taken as a case study, as the introductory problems are very similar. Mobile payments had to compete with Psms, which has dominated the store for so long. This side of the store is now changing.
Then there is consumer reliance and firm confidence. The consumers, although there are concerns of fraud, are changing their opinions, with Mobile payments proving its worth in African countries and India. The lack of firm reliance is gradually changing with the likes of Bank of America getting complex and testing out Nfc. It won't be long until firm can see all the benefits Mobile payments have to offer. Laurie Readhead, Bank of America's head of electronic commerce, said "we see this as a valuable capability given the increasing acceptance and adoption of bank services on the phone. It's a way to accelerate Mobile contactless payments in the U.S. Market."
Just like the camera-phone, once these introductory issues are ironed out, Mobile payments and banking will be able to take the large chunk of the store it deserves.
Camera-Phones - A Case Study for mobile Payments
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