Agile Apple Pay – P2P Is Coming

Before Agile methodology surfaced, waterfall methodology was used for software development; after requirements were collected, the software was designed, developed, tested, deployed and maintained. This process could take a long time if the project had a large scope. Sometimes, the product might not be delivered on time or delivered but did not meet the needs of the customer.

An example would be the Softcard mobile wallet (formally named ISIS); a joint venture between AT&T, T-Mobile and Verizon with billions in investments. Since its launch in November 2013, consumers didn’t adapt the product. It was finally shutdown in 2015 after Google purchased some of its IP. The technology (Near Field Communication) has great potential; yet, most of the consumers didn’t even know their mobile phones were NFC enabled.

Agile, a very different approach, works at a sustainable pace to develop minimal software with minimal functionality and a shorter development cycle. With shared responsibilities between the product owner, scrum master and development team, each development cycle delivers a work release.

Using mobile payment as an example, I think Apple Pay was implemented with an Agile approach. When the whole NFC world was waiting for an NFC wallet to be delivered on iPhone 5s and 5c (released in 2013) and it didn’t happen. Instead, iPhone 5s enabled Touch ID; a fingerprint authentication mechanism. Not until the iPhone 6 release in 2014, NFC payment came through with Apple Pay using Touch ID to provide a “single touch to pay” user experience. This year, Apple Watch enables Apple Pay for iPhone 5, 5s and 5c.

It might not be fair to compare Softcard and Apple Pay development since Apple owns its devices and can pace their software/hardware features/functionalities in a more integrated approach while Telecoms didn’t have this ability.

Now, what is next for Apple Pay? Apple was just granted a patent for peer to peer (p2p) mobile payment today. The Patent states that NFC and Bluetooth can be used for one device sending a payment to another device securely and at no cost.  This is another effort to enable quick communication between devices in order to move into the world of IoT (Internet of Things).

So shall we conclude that Apple Pay is an Agile product? Love to hear your thoughts.


NFC, Big Data, Internet of Things and a Connected Society

Sensors are powerful enablers for Internet of Things.

GE uses data collected by sensors to help in the reduction of millions in fuel costs [1]. Transport for London uses data collected by sensors to understand how people travel and respond quickly when a disruption occurs [2]. The healthcare industry uses data collected by sensors to monitor the activity of patients and provide better patient care [3].

All of these sensor data feed into BigData. Business intelligence (BI) that emerges from sensor data analysis (SDA) helps create new products and services as well as to enhance the existing ones.

Using GE as an example, last year The New York Times notedThomas Edison would be proud. General Electric, the company he started, still knows how to make a buck off cutting-edge technology.” Predix, an IoT (Internet of Things) big data product was implemented entirely with sensor equipped GE machines. Every day Predix gathers 50 million pieces of data from 10 million sensors; including those hooked up to jet engines.

Using Transport for London (TfL) as an example, not only is data collected through NFC enabled Oyster cards but also from sensors attached to vehicles and traffic signals. TfL provides open APIs to software developers to access the data in order to create new services and products. That is an open and forward looking approach since community effort always generates a win-win for consumers and businesses.

In the case of health care, sensors can be embedded in the hospital beds, medical devices or wearable. There are so many use cases to show the power of connected devices. For example, a monitor system that learns normal patient physiological and activity patterns would send an alert when abnormal data (change in blood sugar, for example) appears.

When all of these connected devices are talking to each other through a wireless infrastructure or the internet, we are in a world of Internet of Things. Products and services that collect, store and analyze data are just beginning of a transformation enabled by technologies like sensors, cloud and mobility. BI and business decisions are the focus right now. At the same time, new business opportunities are unlimited. How to seize the opportunity requires visionary ideas and technology agility [4]. The end result would be a Connected Society [5]; where people are more connected to each other and to their environment.

It’s an exciting time! What is one challenge you are facing?

[1] Enterprise Big Data (Data Lake)

[2] How Big Data and the Internet of Things Improve Public Transport in London

[3] Sensor Data Analytics – Unlocking Value in ‘Big Data’

[4] State Technology Welcome Idea Economy

[5] Beyond an Internet of Things: Building the Connected Society