Presentation at NASSCOM NPC 2014

1. Hard Problems in Mobile Commerce
Pragati Ogal Rai
Chief Technology Evangelist, PayPal Inc.
@pragatiogal

2. My Ego Slide!
• Author of “Android Application Security Essentials”
• 2014 Zinnov Thought Leadership Award
• Mobile Developer Relations, PayPal North America
• 15+ Years Industry Experience
• Mobile, Android, Security, Payments and Commerce
Pragati.Rai@paypal.com
@pragatiogal
www.slideshare.net/pragatiogal
www.linkedin.com/in/pragati
2

3. Agenda
 What is mobile commerce?
 Hard problems in mobile commerce?

4. Mobile commerce is worth US$230 billion
M-Commerce will reach US$700 billion in 2017
Asia represents almost half of the market
http://www.digi-capital.com

5. Traditional Commerce
www.123rf.com
www.jaipuronline.in

6. Traditional e-commerce
telegraph.co.uk

7. Mobile Commerce
Promotions &
coupons
Mobile
commerce
Payments
Location-based
services
In-store
research
Self-scanning &
self-checkout
Social commerce
Loyalty
Mobile shopping
lists

8. Problem # 1
Mobile commerce ecosystem is complex!

9. M-commerce Ecosystem
Clients Merchants
Infrastructure

10. Challenges of m-commerce ecosystem
 New market players and dynamics
 Integration of different players
 Limitations of client devices
 Portability
 Pervasive computing
 Location aware devices
 Merchant machines
 Standardization & approvals
 Too many expectations

11. Problem # 2
End to end security is still a challenge!

12. Full Connectivity

13. Partial Connectivity
Infrastructure Centric Model Merchant Centric Model
Client Centric Model

14. Disconnected: Off-line m-commerce

15. Mobile Security Stack
Mobile Security Stack
Application
Operating System
Device Hardware
Infrastructure/
Network
• Each layer takes care of it’s
own security
• Each layer depends upon
lower layer for security
• Transition between the layers
can cause attacks

16. Security challenges
 End to end security
 Privacy
 Integrity of state
 Client-merchant identification
 Authentication
 More points of attack
 Cannot trust the mobile ecosystem

17. Problem # 3
Mobile Checkout & Payment is Complicated!

18. http://www.fun-stuff-to-do.com

19. http://www.astegic.com
“Good design is obvious. Great design is transparent.”
Joe Sparano – Graphic Designer

20. Mobile Checkout & Payment is Complicated!
 Focus on generally good mobile design
 Keep customer on a one way track to checkout
 Reduce checkout steps
 Do not ask customers to fill in lengthy forms!
 Security is paramount
 Provide different payment options

21. Problem # 5
Using technology trends to solve a real problem

22. Technology happens, it's not good, it's not bad. Is steel good or bad?
Andrew Grove

23. Technology Trends
Global
Social
Mobile Local
Digital
Service &
delivery

24. Summary
 Mobile Commerce is complex
 Problem #1: Mobile commerce ecosystem is complex
 Problem #2: End to end security is still a challenge
 Problem #3: Mobile checkout & payment is complicated
 Problem #4: Using technology trends to solve a real problem

25. Pragati Ogal Rai
@pragatiogal
http://www.slideshare.net/pragatiogal
Thank You!