Category : Mobile Technologies

Mobile Technologies

How Today’s Healthcare Apps are Making Life Better for Patients

The Past: Healthcare Before Mobile Devices

In the last 100 years, we have watched as healthcare has advanced while people continue to struggle with their health. Obesity rates are rising, so much so that the United States has an obesity rate of almost 40 percent, over 60 per cent of Australia’s population is overweight or obese, and India is now home to the world’s largest obese population. Cancer rates are also on the rise, several of which have yet to find a root cause. With the advent of widespread technology use, however, we’ve seen exponential changes in the way we perceive and manager our health and wellness.

For much of the twentieth century, the major impact that technology had on healthcare was data management. Family doctors and other medical professionals once tediously maintain patient records but faced risks such as damage and theft. Now, nearly every aspect of a doctor-patient visit is recorded digitally.

An excellent example of this shift in technology behind data and the relationship that patients have with the healthcare industry is Epocrates, the medical application from AthenaHealth.

Epocrates is unique, in that it was one of the very first applications (apps) released when the App Store was first introduced to the world. This point-of-care medical app provides over a million healthcare professionals with support and a network of trusted consults and providers, identifying and safely reviewing multiple drugs and their characteristics to ensure that medications are distributed and used properly and effectively. In addition, the system is set up to automate many of the tasks once performed manually and to access all relevant data and research for the best possible medical advice.

Epocrates

Read the story of how we collaborated with Athenahealth in redesigning and improving the user engagement of the Epocrates app here.

The app iDoc was tested in 2012 – 2014 to determine if it could improve doctors’ efficiency and effectiveness at locating information within a database of textbooks, the study showed that efficiency in search results increased and subsequently reduced the number of unnecessary tests that doctors and nurses had to perform to find the root cause.

Ten years later, we’ve entered an era where healthcare has grown beyond the walls of hospitals, clinics, and doctor’s offices and is managed in the most ubiquitous place: cell phones.

The Present: The Healthcare of the Tech Age

The global market of applications has surpassed 1 million apps since the App Store first launched in 2008. Users can download free or minimally-priced apps that help them not only track their progress but also help them manage their habits, eat better, and connect with a community of other users for support and encouragement. Similarly, physicians and medical professionals have access to a number of applications that offer not only real-time patient monitoring for more up-to-date health data, such as the AirStrip ONE monitoring app, but that also provides comprehensive and ongoing education about critical insights and advances in their fields, such as Radiology 2.0.

Alongside the growing marketplace of healthcare apps (estimated growth to $111 Billion by 2025), we’ve also seen the rise of wearable technology devices both for patients and doctors: from trendy pedometers like FitBit and clothing that monitors basal temperature, heart rate and blood pressure to apps that manage patient information across regions and offer referral networks of medical professional, apps are often integrated with wearables and other mobile devices to provide a more seamless experience for users.

You can read more about such technologies in our ebook – Digital Transformation in healthcare – the evolving landscape

Benefits of Healthcare Apps

The primary benefit of healthcare apps is the education and peace of mind they provide for patients. Users can access a wealth of resources that help them understand any health conditions they may be experiencing. For example, Propeller Health helps patients not only monitor their asthma inhalers but also sends data about a patient’s use of their asthma attacks and inhaler use directly to their doctor, giving them more accurate, more up-to-date information about their day-to-day health concerns.

Propeller Health

Image source : Google Play

In study conducted in 2015, researchers wanted to learn whether apps were actually helping users lead healthier lives. The study showed that many health ”apps help people overcome barriers like a lack of understanding or organization,” which increases their chances of choosing better habits and leading healthier lives. Other key results of the study indicated that users not only had lower BMIs than non-app users, but that they also possessed a greater belief in themselves to actually achieve their health goals.

Other types of health apps offer supplementary health support and goal tracking. Sleep Cycle helps users track not only their sleep patterns, but also determines the best time to wake you up to prevent grogginess from waking up in the wrong sleep cycle. Happify uses scientific methods proven through psychology to increase your mood and overall satisfaction in life. Fooducate not only provides resources to make healthy meals, but it also connects users to a database that contains details about the nutritional content of the food you buy, just by scanning the product barcode with your app.

Apps that allow patients to connect directly with a doctor, such as HealthTap, provide a framework of trust and safety; doctors can request the information they’ll need to provide assistance, and patients can benefit from real-time answers and speedy lab test results in a confidential and secure environment.

HealthTap

Image source : Google Play

The Future of HealthTech and Healthcare Apps

Looking to the very-near future, we will begin to see Artificial Intelligence (AI) play a bigger role in routine medical care. AI can assist doctors in predicting diseases and helping to prevent them. Even something as simple and accurate record keeping or clinical services are repetitive tasks that can be better managed by AI, freeing up time that doctors need to work on more difficult medical cases and vital research.

In short, apps make patient’s lives more fulfilling by providing a medium for them to connect with trusted experts and stay on track with goals that may have otherwise gone unrealized. These apps will continue to evolve as users provide feedback about what works best for their unique needs and by giving them a safe space to share their health and wellness journey.

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Mobile Technologies

Changing Perceptions — creating a unified healthcare system

Health and technology are coming together like never before. The blending of these two distinct entities has lead to explorations that not only question the existing system but dare to rethink and replace trodden concepts and address untapped needs. From self-prognosis to smart diagnosis, from wearables, for technophobes to object sensors for elderly care, from real-time health monitoring to remote patient management, from smart pharmacies to timely medicine dispensers and from biostamps to injectables — processes, services and devices in the health spectrum are being vehemently explored.

All these amazing, ground-breaking innovations are questioning conventional approaches to healthcare at every stage. But this also prompts us to observe and reflect on these happenings around.

Are we looking at the essence of health and applying technology as a tool to simplify the journey, or are we looking at simplifying technology to address the healthcare sector?

The word ‘health’ is defined as a state of being, free from illness or injury. It invariably gets associated with the notion of something going wrong and rectifying a problem. It is also perceived as an individual-centered term, where the sense of self is strong and the feeling of looking inwards is overpowering.

However, the inclusion of ‘care’ almost instantly adds a positive feeling of concern. It makes the entire concept more humane and embracing. The focus beautifully shifts to the overall wellbeing of a person, rather than looking at health in isolation.

The attachment of this word has lead to exploring diverse facets of this proposition and a desire to seek a more holistic in nature approach. This is gradually making the perception of healthcare more universal in terms of access, economical without compromising the quality and understandable in terms of a science.

Technology is striving to play an important role in identifying various touch points, where it can interact with people in their healthcare journey. This is not restricted to pre, during and post health problems, but also explores the idea of empowering people to own their health, stay informed and focus on individual wellbeing.

Today, we are witnessing varied types of innovation being explored in order to achieve a democratic approach towards healthcare. These innovations primarily are categorised into 3 buckets.

  • Process Innovation
  • Technology Innovation
  • Business Innovation

Process innovation — the very method of buying and using healthcare is being redefined.

PillPack redefines the function of a pharmacy. The personalized service monitors and manages your medication directly with your doctors. It responds to your prescriptions, packages the medication by the dose and ships it directly to your door.

Process innovation

MediPay has identified the most latent pain point in healthcare servicing. A seamless, stress-free experience that gives you a clear picture of the medical insurance you are entitled to based on your profile, using it at the right time and place and even paying your doctor directly.

MediPay

A 3-step easy, transparent and fair payment plan for every medical need

Technology innovation — uses technology as a tool to develop and improve new products and treatments.

Cue Health is developing convenient technology to solve innate health problems. Their health monitoring system connects you to your health at a deeper level. You can use their portable device by adding your sample and simply loading it into the disposable cartridge. This gives them access to information, which otherwise would come after a long wait and unpredictable costs.

Cue Health

Cue’s portable device (L). Cue’s software delivers a personalized mobile health dashboard, which stores test results and connects directly with on-demand telemedicine and prescription services (R).

Business model innovation — creating new business models that are now matching the incumbents.

Apple ResearchKit is making catalogued research data available to research facilities and laboratories. The software framework for apps lets medical researchers gather robust and meaningful data. This has accelerated breakthroughs in specific diseases like autism and depression through rich medical insights and discoveries.

Apple ResearchKit

Apps created with the ResearchKit are already producing medical insights and discoveries at a pace and scale never seen before.

Bowhead is positioned as having fun with self-care. This approachable wellness tracker and personalized guidance tool prompts you to celebrate your health. You can earn tokens for tracking daily health behaviour, test your nutrients and hormones in realtime and get prescribed medication based on your body’s unique needs.

Bowhead

Bowhead Health is designed for individuals who want to take control of their health data and outcomes.

We see all these amazing interventions around us and are awed by the very possibilities of the same. 

Though, on the flip side, this also sheds light to the fact that these healthcare interactions are happening in isolation. They are solving one problem at a time across the journey, waiting for the rest to be solved by another. It is more of a ‘Eureka Moment’ of one than a syndicate driven transformation of a system.

Why can’t the healthcare system be more connected? Where each touch point in a person’s healthcare journey that is remotely associated with the concept of care, is inconspicuously connected to form a strong network of sorts. 

The answer to this predicament lies in creating a symbiotic relationship between primary healthcare needs, where there is an understanding and sharing of rich insights across care settings.

A systematic three-step process:

1. Patient information can be accessed and exchanged across care settings.

2. Collection of a wide range of vital health data that can help diagnose and treat patients in real-time from a preventive perspective.

3. Rely on this strong network to diagnose and treat more patients in ways that use time, money and human resources efficiently and effectively.

Healthcare data

Healthcare data that can be leveraged to create a robust system (Source — IBM Watson Health)

Can we create an ecosystem of sorts?

My lopsided diet can connect me for a free first-time consultation with a dietician — a vitamin deficiency identified in my body is verified by a local doctor — the required nutrition pills are on its way home.

A niggling pain in your back takes you to your family doctor — he is unable to give you a precise diagnosis — you are directed to the best available specialist (considering your urgency and insurance scheme) — you check the reviews and experiences shared by people — you visit the doctor and he prescribes 10 days of therapy sessions and weekly medication to strengthen your back — your appointment with your local physiotherapist is scheduled and your pharmacy sends you an intimation that the medicines are on its way — a yoga center in the vicinity offers you a free yoga session trial.

These are just two use cases, but the mental respite and positive affirmation people desire concerning their health needs to be felt and understood. Can every journey associated with health be reiterated with care? Care that is simple to understand and easy to execute.

A system where primary care, long-term care and post-op care are smoothly handed over from one to the other. Where support groups are introduced in the care process not as a last resort, but more as a first resort towards recovery.

Ecosystem

The connected Healthcare system

The possible solution

The possibility of this strong ecosystem lies in creating a Unique Identity System, something like an Aadhar for health. A system built on your biometric and demographic data, which is built on the premise of well being, care and trust. A platform binding key areas of effective healthcare, giving rise to the concept of a Unique Health ID.

Unique Identity System

A unified Health ID, which is unique to a person. This ID is an integral part of the health ecosystem — a rich health repository, where each vertical can cross-reference and talk to the other if allowed to. This also leads to the provision of a relevant, specialized and complete health solution.

The identification method can be anything from a smart card (corresponding to your blood group), biometrics (iris scan, fingerprints or face scan), or something as futuristic as an injectable or tattoo. The user is given a digital key, deciding who can see the data.

UHI

UHI can be an identification method : (l to r) Scannable tattoo, injectable, smart card, iris scan, fingerprints, face ID

The larger intent behind creating this system is to form this Circle of Care, where the quadrants of Diagnosis, Treatment, Wellbeing and Payments all group together to form the greater whole. Each is playing its own special role, but the whole is greater than the sum of its parts.

Circle of Care

The four pillars in this circle define the ideal approach to healthcare, where each pillar is essential to design a system of care. Diagnosis is linked to your medical centres, research and IOT devices. This corresponds to the nature of treatment and their offshoots, like medical facilities, pharmacies or support groups. Payments mainly consist of medical insurances and bills, which are seamlessly fitted in. This is invariably the area of contention in your journey and thus needs to be addressed tactfully. Wellbeing as a concept exists in isolation and is completely missing from the current system of care. Areas like health and nutrition, fitness, mental health organisations and advisories need to be brought in the forefront as the fourth pillar of strength.

This synergy will completely change the game. We will gradually set to build a structure, where the very concept of health goes beyond the defined line. It fundamentally changes the way we perceive and interact with the system. This unified and holistic approach will make people more positively proactive about health, rather than negatively reactive.

The feasibility and practicality of this mammoth transformation is a discussion by itself. But can we aim to gradually, but consciously shift our focus from just celebrating the current, revolutionary ideas by one to a collective, evolutionary approach towards a unified healthcare system?

Credits. 

IBM Watson Health, PillPack, MediPay, Cue Health, Apple ResearchKit, Bowhead, Unsplash

Additional Credits.

Design Labs – Dean Gonsalves, Hiral Shah, Noelle Mathew

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Mobile Technologies

App Development Trends in 2018: What’s the Next Big Thing?

Guest post from Dave Bell, Co-Founder and Chief Executive Officer of Gummicube.

The app ecosystem is always changing thanks to technology and consumer behavior that leads to new trends. Keeping up with the latest advances is important for app development as well as App Store Optimization (ASO) – developers should always be working toward improving their app. Let’s review some of the latest growing trends in app development that developers will want to capitalize on.

Augmented Reality

Augmented Reality (AR) has been a hot topic for app developers, especially with Pokémon Go demonstrating the technology could be the basis for a profitable app. Hardware and software advances mean AR is becoming more widely supported, and developers are actively seeking new ways to integrate it into their apps.

Apple announced the ARKit 2 at WWDC 2018. This enables new ways to implement AR in apps, as well as the USDZ file format designed specifically for augmented reality. This came shortly after Google revealed new AR capabilities at Google I/O where users can access and interact with apps through AR.

Augmented reality is also seeing more use in apps and mobile games. Shopping and fashion apps can allow users to virtually try on clothes with AR. The Jurassic World AR game, released near the new movie’s box office debut, places dinosaurs in the world around the user. As the technology becomes easier to develop and implement, we’re looking forward to further progress and innovative applications of AR.

Instant Apps

Another key trend, which Google has devoted time and effort toward, is Instant Apps. Developers can create smaller versions of their apps that users can try without needing to fully install. Initially, these were only available for a select few mobile apps and games, but are now available for all developers.

In relation to the aforementioned Augmented Reality, Google has begun integrating ARCore into Instant Apps. Users can open shopping apps they might not have installed after viewing items they want to purchase thanks to AR. Many developers are viewing Instant Apps as a new way to market, advertise or provide a “free trial” to encourage full installs. So far, developers have seen an increase of up to 27% in installs as a result.

In a time where instant access and gratification is in high demand, users and developers can both benefit by taking advantage of Instant Apps to get what they want quickly.

Internet of Things

If it seems like everything is connected these days, it’s because they are. The Internet of Things (IoT) is what we get when devices of all sorts are connected to the Internet, thus allowing access from an app or mobile device.

For instance, there are apps that allow users to turn on and off their home lights remotely, unlock and start their car, or see how much they’ve been using their treadmills. These are all devices connected to the IoT, with associated apps that can be utilized to gain users while providing them with ease and convenience.

Any device that can be connected to the Internet can benefit from IoT, whether it’s to gather and report data to the user or to allow remote access. As such, not only are app developers finding new ways to utilize IoT in their apps, but other industries are in need of apps to connect with their products. It’s a growing trend that has a big impact on practically every industry, and app developers are at the forefront of it.

Virtual Assistant Compatibility

While phones and other mobile devices have been improving their virtual assistants steadily over time, third-party developers have had few opportunities to truly utilize the built-in assistants on their own. However, as virtual assistants grow in their capabilities, app developers are finding new ways to work with them.

Most notably, Apple recently announced SiriKit, which allows developers and users to create custom shortcuts to app functions through the Siri virtual assistant. Microsoft’s Cortana and Amazon’s Alexa already work with third-party applications, and more virtual assistants are seeing added functionality across apps.

Providing the ease of use and access that virtual assistants offer allows apps to provide better service to their users, ensuring loyalty and consistent use. Now with Siri added to the mix of assistants that can access and utilize third-party apps, developers are bound to start capitalizing on this growing trend.

What’s Next?

Innovation is key to thriving in the app industry, and today’s trends will help shape the future of the app ecosystem. What we’re seeing developers advance now may not last forever, but there will certainly be new trends in the next half of the year. Developers should never stop thinking ahead and make the most of the latest advancements to ensure that their app is at the ahead of the curve.

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Mobile Technologies

OTT vs. Television – tug of war or an era of collaboration?

An entire neighbourhood gathering on a Sunday morning to watch Mahabharata, lazy afternoons with Shanti or insightful evenings with Amul Surabhi; television has a special place in the hearts of Indians.

In a digital world, where we have the flexibility of consuming content anywhere anytime, and across mediums – our relationship with television has changed. With the deluge of digital content, television as a device also serves as an extension of the digital medium via technologies like Google Chromecast and Amazon Stick.

So, does this mean that OTT or digital content viewership will supersede television content viewership and our good old friend will lose its sheen?

While this might be a possibility in the distant future, television medium isn’t going to fade away soon. Yes, the time spent and the way we consume television content is bound to see a shift, television will still be one of dominant medium for the coming few years.

Here’s why:

India has a huge viewer base when it comes to television:

While the growing content on the digital medium and the exceptional amount of time spent on internet might give an impression that the audience is moving away from TV content. That isn’t the case. According to a recent report, India has a massive TV audience base of 780 million. An interesting thing to note is, that despite the growing interest in the digital content, TV viewership has seen a rise of whopping 21% among the young audiences, with 224 minutes of daily time spent.

One of the reasons for this seemingly contradictory trend is audience expectations from both the mediums are different. When it comes to the digital medium most video content is seen on the smartphones. The drawback of this is the dwindling attention span of viewers, where users are constantly switching between apps. Further, most of the digital content is watched while the users are on a commute, and hence, shorter versions of episodes or web series work. However, when it comes to TV people expect longer versions of episodes. Another important aspect is television is a part of the daily family routine of Indians, a place that is difficult for any of the digital media platform to occupy at present.

According to Partho Dasgupta, CEO, BARC

The unique Indian habit of the entire family sitting together prevails.

Hence, given the current scenario, digital video growth is led by it becoming the second or third screen as 97% of India is still single TV homes.

Largest media spends are on television

When it comes to the digital medium, the time spent in India is lower than that of US and China. Further, according to BARC, youth viewership has grown on TV.

Given the increasing popularity of the digital medium it is surely gaining advertisers’ monies, however, television is still getting the major share. Hence pumping more monies in the television medium to produce content, which isn’t the case with the digital medium. Since traditional mediums like television and print still dominate overall ad spends in India and brand building is still largely happening through mature ad mediums such as television. Given the huge viewer base that TV enjoys, from an advertiser perspective, TV viewership is more valuable than a similar viewership on digital video.

Another reason why television gains advertisers interest is the fact that chances of viewers skipping a channel is lesser than skipping pre-roll or ads. So, brands will have to think about integrating their communications with the content instead of generating generic communications for all mediums.

As Ajay Chacko, Co-Founder and CEO, Arre, rightly puts it

“Advertisers, both traditional and new-age, are welcoming of content as a route to marketing. Brands are evaluating a balance between performance and impact when planning their media spends. There is cognisance of the fact that pre-rolls/ads can be skipped or blocked or muted when pushed down user’s timelines and feeds, but content is what consumers actively seek out and hence, more effective or impactful.”

Digitization yet to permeate the rural markets

When it comes to the overall split of the OTT viewership, the majority exists in urban India. Rural India is still predominantly a television market and a huge one at that.

OTT viewership

One of the reasons for this is the poor penetration of fixed broadband. According to a recent report, while Internet penetration in urban India reached at 64.84 per cent in December 2017 compared to 60.6 per cent in December 2016, the rural Internet penetration grew only a little — from 18 per cent in 2016 to 20.26 per cent in December 2017. However, with the introduction of low-cost network providers like Reliance Jio, this scenario is expected to change. The number of users of Jio is on the rise and video is an important driver for Reliance Jio’s high mobile data traffic. On the Jio network, subscribers watched an average of 13.4 hours of video each month in 2017. While low-cost network providers like Jio will further boost the consumption of digital content it is unlikely to have an effect on the television viewership, as yet.

Best of regional content is still on Television

One of the major reasons why Television is widely consumed is the huge library and options of regional content it provides. According to a recent BARC report

The General Entertainment Channels (GEC) dominates the genre viewership pie with the highest share of eyeballs (51%), followed by Movies (25%). These are the two biggest genres on television.

Further, in the recent years, the share of GEC has declined by only a meagre 2%, which might be a function of increasing number of youth viewership.

Producing high quality original regional content is going to be an important aspect for OTT players to grow. In this case, Indian channels and media houses with their apps have an advantage because of the already available library of content. For instance, players such as Hotstar and Voot have higher access to Star India and Viacom 18 media libraries. According to a recent Deloitte report, currently, 40%  of the viewership of OTT platform comes from regional content.

So far, OTT players like Netflix and Amazon Prime have focussed on pushing global content to Indian subscribers, but they have realised how critical it is for them to offer regional and original content to viewers.

OTT players

Image source: Counterpointrsearch.com

Amazon Prime is likely to invest around $300 million in the Indian market for acquiring rights of Bollywood films and also producing original content, similarly, Netflix is producing more Hindi content like the recently launched series ‘Sacred Games’.

Regional content is going to be a major game-changer when it comes to changing the dynamics of the OTT market. However, it will not immediately impact the television market given the huge viewership, reach and the library of content available on the medium.

Paying for Television vs OTT

The Indian market is still fairly unaffected by the phenomenon of cord cutting. The major reason for this is, there is no economic reason to cut the cord as yet, since, TV delivers the highest value for money. Most OTT players work on the subscription model.

According to a research the majority of Indian audiences are still stuck to the free or ad-supported model as of now. Further, several options including web-series, stand-up comedies, etc. are already available on YouTube free of cost.

Most OTT players

Image source: Counterpointresearch.com

This implies that the OTT players will have to compete with the lower cost of Cable/Dish TV subscriptions and also provide compelling content for viewers to do so. This shift will also depend on the factors mentioned earlier in the article.

Future

In the near future, both TV and digital video will grow in parallel. Television viewership will see a steady increase, video OTT will grow as a second screen. Also, with the growth of viewership of the digital media, we will see advertisers spending more money on the medium, though, television will still get the major share of ad spend compared to the  OTT medium.

Ad-led online video platforms will also grow by manifolds in India (as wireless 4G ecosystem explodes) and subscription led online video platforms will grow as the fixed broadband infrastructure improves.

Further, with the cheap data network providers like Jio, we see a rise in the consumption of OTT content. However, it is unlikely to have a huge impact of the share that television medium enjoys.

We will also see OTT players pushing in more regional original content to suit the taste of the younger generation on the portals since the current viewer base is mostly the youth.

At present the OTT market is highly dispersed with pure OTT players (Netflix), channels and media houses (Viacom’s Voot, Hotstar), telcos (Jio TV, Airtel TV) etc. In the coming years, we will see an emergence of a more collaborative ecosystem.

India is a major market for the global OTT players and the boost in the infrastructure and digitisation is surely going to further shift the way media is consumed across mediums. It is a critical time for both TV and the OTT medium with a plethora of opportunities. Players across mediums will reap the benefits of this growth, and TV & the video OTT platforms will find a perfect platform to co-exist in India.

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Mobile Technologies

Design Tips for a Banking App That Ranks Highly in the App Store

You sit in a café, enter a few names and numbers and click ”Send”, smiling when the confirmation page shows that you successfully paid your rent on time. Your company is expecting a large payment installment to come in from a client today and you need to confirm receipt of payment for the board meeting you have in 30 minutes. You check your phone on the way to the meeting and see that the funds have been transferred, but just past the payment deadline. You make a note in your calendar to follow up with the client about payment terms and fees, and head into your meeting with confidence knowing the numbers will be up to date.

These situations are examples of effective user experience (UX) and user interface (UI) design in mobile banking. Intuitive design understands, as well as anticipates, what users will need to easily control their money and information online.

But what happens when your financial app fails and customers find themselves stranded or stuck because of missing information? How can large and small institutions alike ensure that their customers remain happy and eager to remain loyal to their brand, products, and services? And how do they consistently gain those highly-coveted 5-star reviews online that new users are seeking when making their own purchasing decisions for their banking needs?

Discussions of the largely unbanked population across the globe aside, mobile banking has become ubiquitous in both personal and business financial markets. And while the financial industry could always be met with a groundbreaking, innovative shift in the near future, we find ourselves today focusing on the keys points that companies can use to better design their mobile banking apps. If you want to learn how to design and release a highly-rated banking application on the App Store, read on.

Determine Your Customer Base

Who are you trying to reach? This can be a fairly broad category, but it’s important to understand who will be using your products and services, and to design your app in order to accommodate their needs. Is your customer base largely under 40 with readily available access to internet? Are they a Baby Boomer or Senior with limited technology experience but possessing robust financial knowledge? While this question may seem obvious, too few companies take the time necessary to dig into their ideal AND actual customer personas. Research shows that Baby Boomers and seniors are becoming more active in the online space for banking activity, while nearly half of Millennials using mobile banking are dissatisfied with the existing online banking services. While 43% of Millennials don’t feel their bank connects with them via their preferred channels, data from the Millennial Disruption Index shows that over 70% of Millennials are more excited about using non-traditional banking/payment features through a company they already use for other business transactions rather than their bank, companies such as Amazon, Apple, Google, PayPal or Square. Pay attention to these key metrics to see where your app can’t and exceed expectations.

Determine Your Customer Base

Image source: www.fico.com

Are you targeting the US or North American market? Here you will find an already established network/infrastructure of technology, along with consumers’ desires for more efficient banking services in addition to the traditional services being offered. For those in countries that contain a considerable number of unbanked citizens, your team may want to consider what sort of technological restrictions you may face before implementing in those areas.

“As mobile devices reduce the cost to serve a customer by 50%-70%, it becomes profitable to offer financial services to a vast low-income population segment. And that is just one large market segment you may want to disrupt.”

Partnerships that Make or Break Your Success

How often have you heard of horror stories where companies failed to conduct due diligence on their vendors and platform partners, only to find out that the project remaining uncompleted, or worse, their IP or customer data had been stolen?

While due diligence may shift from company to company, these are the top areas you should consider when conducting due diligence with your vendors:

List of references

  • This point is fairly industry standard when it comes to vetting a service provider. Be sure to watch for names of other reputable companies in their references list, companies that you recognize as industry leaders as well.

Financial solvency

  • Unfortunately, many companies that appear successful are at risk for insolvency due to lack of financial controls. If you are concerned that project work could be drastically impacted by a vendor going under, reach out to them to request their latest financial statements.

Verification of insurance & license documentation

  • Especially when working with sensitive, confidential client and financial information, it’s important to verify that all those touching this information. Ask for licenses that show the provider is up to date with their certifications, along with proof of insurance that covers both parties in the case of

Previous complaint history with BBB, FTC, etc.

  • You may need to dig online for this on your own, but it’s important to read what other service partners and customers have written about their experiences with this vendor. If you see a marked pattern of neglect or repetitive mistakes, it might be best to move on.

Legal & regulatory compliance

  • A key point of review for any company, but especially in financial services. If you encounter a vendor that is unaware of jurisdictional regulations and compliance procedures, this should be a red flag. Same goes for those vendors unwilling to comply with those legal requirements and compliance protocols. Don’t open your company and your clients up to unnecessary risk just to save time or cost.

Expected level of service, security controls, technology architecture, past experience

  • Look for and ask for your potential vendor’s processes and procedures concerning the security of data and their level of experience in working in their industry

Contract review; terms, renewal/notification requirements, required service levels, etc.

  • Have your team review vendor agreements so you know exactly where your exposure might be in regards to terms of renewal (is this optional or required from the vendor, and how would it cost if it were required?), and notification requirements should you need to terminate the agreement for any reason.

Company history bios of management & key personnel

  • This can be optional but also vital. If you know the people working for the vendor are reputable and have a history of building trust in the industry, you can mark that down as another checkpoint of reliability and security.

Never ever underestimate the value and investment of taking extra time and effort by truly vetting your project partners. You’ll thank yourself later.

Learn and Understand Your Customers’ Pain Points

Consider what the average consumer has shared with similar organizations in your target market, and really listen when they are frustrated with a specific product or service. Look for patterns and repetition in the complaints and concerns they express. What pain points do they have?

Many frustrations that customers experience can often be fixed or mitigated with little effort or cost to a company. As simple as it may seem beforehand, and as easy as it may be to fix it at any point in the future, companies should recognize that, if left unchecked and unmanaged, these issues can exponentially grow to the point of destruction of your brand’s trustworthiness.

Onboarding:

Customers don’t mind leaving as soon as they start something that is frustrating or has a difficult and convoluted sign-in process. Even if they’ve gone to the trouble of researching your banking app among many others. Remember, getting someone through the door is much harder than keeping them in; keep this in mind when setting up your application’s onboarding process.

Be honest about timelines for the sign-up process. Can customers expect to have their information live in 10 minutes, or 10 days? To the best of your team’s resources, be very upfront about these expected timelines to set reasonable expectations in the customer’s mind. Clear wording, simple instructions, easy-to-read screens can ensure the onboarding is a productive and pleasant introduction to your company rather than a frustrating obstacle.

Take the Paytm app, for example; the easy-to-read design and layout is an integral aspect of what makes this payment app so popular. Another excellent example is the clean, simple layout of Square; apps such as these feature large areas of white space to simplify the steps users need to follow in order to enter payment details and process their funds, reducing the confusion and risk of mistakes that can often accompany a screen with too many moving parts.

Paytm app

“The banks of the future should provide a full digital onboarding. It needs to be fast, intuitive and frictionless.” Make onboarding match the reality of our digital age.

Business versus Personal banking:

Inconsistencies between personal banking and business banking often make sense for both large financial institutions and new fintech companies; for security reasons, there will often be different access levels and authorization protocols. However, the end users don’t necessarily care about the particulars of these differences. They simply want control over their finances, and consistent functionality across the platform to be able to manage that control.

An excellent example of effective integrated mobile banking is YES Mobile 2.0. Their app features a seamless experience across devices and various platforms – smartphones, tablets and smartwatches, and desktops ─ with innovative features enabled to offer on-the-go ease for day-to-day transactions such as:

  • One-touch bill payment.
  • Speech-to-text for hands-free registration
  • On-the-go bill payments from Wearables
  • Transfer of funds to your social media contacts

YES Mobile 2.0

Especially when using the same bank or financial institution, users will argue that banking and finance functions shouldn’t change much in the day-to-day transactional needs. App developers should be sensitive to this and design an app with a consistent, delightful user experience in mind.

Payments:

One of the greatest aspects of mobile banking is the ability to make payments from wherever you are, whenever you need to. Many customers have often lengthy and sometimes frustrating experiences at the bank teller, with long and complex forms and processes have been the norm. Now users have the flexibility to manage both receiving and sending payments, saving them time and, not surprisingly, money. However, when that system breaks down, customers may find themselves shopping around for another option that provides better, faster, simpler service.

A prime example, MAXIT @ My Universe, was launched to save money for its customers every time they used their credit/debit cards for payments. The company began to notice that the majority of transactions went through cards, without fully harnessing the rewards and offers typically available through these cards. The MAXIT app, in turn, helps users track spending, discover offers and choose the best card for payments.

MAXIT App

The whole point of your banking app is to make your customers’ lives easier and to give them more control over their finances. When simple transactions and payments can’t be made, you’ve essentially rendered your app pointless.

Prioritize Security So Your Customers Don’t Have To

As with anything to do with finances, money, and customer data, security is at the forefront of the conversation, from a backend development perspective. But it shouldn’t be in your customer’s mind. Which means, they shouldn’t even consider that it’s not a priority. When designed well, world-class security surrounding their information should simply be assumed and the customer can go about their day with confidence, ease, and trust in your app.

Make things as simple as possible, as secure as possible. In the interest of security, many financial applications encounter problems with the convenience of access for customers. Consider: would you want to visit a restaurant that was only open for one hour a week? This is an area that is still going through changes in innovation, but if you can combine your institution’s need for security with your customer’s desire for convenience, your customer’s trust in your company will grow.

Less but Better: Mobile Apps and KISS method

Create an easy to use system, and stick to it. Complex systems can be made simple, don’t get caught in the trap that more is better.

Navigation:

Navigating your app should be even simpler than navigating the financial institution’s website in order for customers to access their information. For specific items or issues that cannot be resolved by looking through, they should easily be able to find the Contact page with clear instructions on how to reach someone from their financial institution.

Lack of usability is a common concern for users through their mobile banking application, which translates to an undesirable experience resulting in either lost business or angry customers calling or visiting the bank.

Even something as simple as ensuring button colours are consistent across pages can eliminate moments of confusion and frustration. Can customers easily find buttons for processing monthly bill payments? Are the fields for searching through past transactions clearly and obviously labelled? If changes have been made to the site or app, can users still access their information based on repetition, or will they be required to call technical support?

Customers will thank you for following the wisdom of the KISS method (Keep It Simple, Stupid), and they’ll reward you for this in customer loyalty and more business through referrals and word of mouth praise.

Let Your Customer Support Be Your Cornerstone

So you have an app, that’s great. Welcome to 2018, everyone has an app. The challenge now will be to create a banking application that sits above the rest and that supports your customers’ needs properly. Have you created a process or a system that streamlines, simplifies, and saves time? Have you added subtle details and functionality that delights and surprises customers in ways that add value?

One key takeaway is to make your customer service accessible to your customers. Should they encounter a problem or roadblock, be sure that help is easily found, or that an actual person is readily available to help them and get them on their way. If you make your company’s support team a scavenger hunt to find on your site or app, you leave customers with the impression that you don’t care, or that you don’t want to help. Be friendly, be accessible, be knowledgeable.

All in all, good design in mobile banking brings together security, convenience, and accessibility in one place. Be sure to do your research. Ask your customers what they need and want, and really listen to their frustration. Above all, keep things simple, less but better. And then watch those 5-star ratings roll in.

UX/UI design plays a key role when it comes to creating engaging and delightful products for consumers and we at Robosoft strive to create such digital solutions across industries. We are thrilled to be named as one of the Top User Experience Design Agencies of 2020 by Upvotes.co a leading listing platform for full-service agencies, web design companies, digital marketing firms & top technology companies. You can see more of our work here.

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Mobile Technologies

From digital banking to citizen services, UAE is leading the way in digital technology

In the past, UAE would have evoked imagery of an economy driven largely by oil and tourism (thanks to Dubai). Petroleum and natural gas continue to play a central role in the economy, especially in Abu Dhabi. The diversification of the economy began 20 years ago, with setting up of several hubs like Dubai Internet City and Dubai Media City. While technology was at the centre of these initiatives too, a key pivot happened in a few years ago, led by visionary leadership, to direct the end benefit to the common citizen.

The commendable aspect of these initiatives is that they are meant to make the everyday life of the common citizen easier, better. In 2013, Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the United Arab Emirates, and Ruler of the Emirate of Dubai, said, “We want to relocate citizen service centers into every citizen device, enabling them to obtain their desired service through their mobile phones anywhere at any time. A successful government reaches out to the citizens rather than waits for them to come to it.” So adoption of technology and a customer-centric approach have been the hallmark of digital initiatives in the UAE.

Technology for business and the common citizen

According to a McKinsey report in 2016, the United Arab Emirates, Qatar, and Bahrain are among the top countries in the world, with more than 100 percent smartphone penetration and more than 70 percent social media adoption—even higher than the United States. But true technology adoption is beyond numbers pertaining to smartphone penetration – it is about making lives of people and businesses easy. For example, ENOC developed an RFID-enabled fuelling system that allows cashless and card-less automated payments. In 2016, Bank Audi Lebanon launched Novot, a robot powered by Artificial Intelligence which helped a branch welcome and guide customers, as well as promote the Bank’s products and services. A leading medical &health sciences university wanted to automate their university operational workflows and centralized database to generate required reports and get information with ease. Robosoft crafted a solution which automated functions such as application registration, fee collection, time-table management, online exams, faculty-student communication and more through web app. Recently, the UAE Federal Public Prosecution launched an app through which public can report acts that are punishable by law.

The UAE is also considered to be a leader when it comes to digital banking in the Middle East. According to a report, Emirates NBD (ENBD), one of the leading banks in the region has committed Dh1 billion for digital transformation. The aim of banks like Mashreq and Commercial Bank of Dubai (CBD) is also to make service delivery channels more useful and customer friendly. In fact, UAE is also home to digital only banks like Liv.Me which boldly proclaim ‘No Call Center’ as their USP.

The region is also home for several global airlines – an industry where digital ‘design’ plays a key role in defining customer experiences.

The future is even brighter

The digital ambitions of the region can be gauged by the goal set in 2013: make available all government services accessible through mobile devices within two years. The official portal of the UAE Government lists several eServices of the government – Hotel, Apartment Engineering Drawings, Remote Interpretation Service, Renewal of Business Services and View Insured Employee Details…to name a few.

The vision for Dubai, while being futuristic places the interests of the common citizen at the centre. The Smart Dubai 2021 vision: to be the happiest city on earth.

“We are making Dubai the happiest city on earth by embracing technology innovation making Dubai a more seamless, safe, efficient and personalised city experience for all residents and visitors.”

Smart buildings, smart roads, smart energy, smart justice…and more are part of this ambitious program. The region is rapidly adapting new technologies to make an impact on the day to day lives of citizens.

In October 2017, Sheikh Mohammed bin Rashid Al-Maktoum announced the appointment of the country’s first minister of state for Artificial Intelligence.  There is even an ‘UAE Strategy for Artificial Intelligence’, outlining the country’s aims to enhance performance and productivity by investing in AI. Saudi Arabia has announced the $500bn,  Neom, dubbed ‘the world’s most ambitious project’ – a smart city where citizens will travel in driverless vehicles, have free Internet and live in zero-carbon homes.

According to Necip Ozyucel, cloud and enterprise business solutions lead at Microsoft Gulf, 60 percent of enterprises are planning to adopt AI and AI-embedded use cases including predictive analytics, robotics and machine automation… particularly in growth industries such as retail, finance and manufacturing.  There is a growth in AI adoption not only in private sectors but also in the government services. The customer service chatbot of Dubai Electricity and Water Authority, Rammas, is a good example. The healthcare industry too offers great potential to embrace AI to enhance its services. Dr Bassam Mahboub of the Dubai Health Authority, believes that ‘the roadmap of future healthcare is a system that is a mix of mobile applications, chatbots, and smart computer analytics that will provide patients with their diagnosis’. The government has even established a ‘Drones for Good’ initiative which is ‘dedicated to transforming the innovative technologies behind civilian drones into practical, realisable solutions for improving people’s lives today.’

A recent report also revealed that UAE citizens express a strong interest in biometric technologies that make their lives easier. They believe that new forms of authentication, such as fingerprint, facial, and voice recognition, can make unlocking accounts and payments much easier and more convenient than traditional passwords or PINs. We at Robosoft have experienced the benefits of convenience coupled with security in a sensitive category like personal finance thanks to our work for online trading companies mobile payments & e-commerce platforms and banks.

In essence, digital technologies will continue to be interwoven into the everyday lives of all citizens and businesses in the UAE. In this context, design thinking will play a crucial role in planning the customer experience by empathising with their pain points. The future bodes well for the citizens of the region as technology is not used as an end in itself but as a means to end – a delightful customer experience.

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Mobile Technologies

Voice assistants in retail – what consumers want

From the advent of the mobile to smartphones and talking on the phone to talking ‘to’ it, we have come a long way.

‘Hey Siri’, ‘Ok Google’, ‘Alexa’ are now a part of our day to day lives. Voice assistants have changed our relationship with smartphones from being a communication device to being enablers of simplifying some of our daily tasks.

Voice searches and voice assistants have piqued users’ interest over the years. According to Gartner, about 30% of all searches will be done without a screen by 2020 and as per Comscore, 50% of all searches will be voice searches.

Voice searches and voice assistants

Image source: https://voicebot.ai

How consumers are using voice assistants

According to a study, 35.8% of millennials use voice-enabled digital assistants at least once a month. While we have seen consumers using voice assistants and slowly becoming comfortable with the technology, is it something that retailers should concentrate on right away?

To answer that question let’s see how consumers are using voice assistants:

Voice Shopping Skews Younger

Here is how consumers are using voice speakers:

A recent report by Comscore suggests-

  • 60% use them to ask general questions
  • 57% use them to get weather report and stream music
  • 16% use it to find local businesses
  • 11% use it for ordering products &
  • 8% use it for ordering foods and services

The above statistics point out that a very small percentage of consumers are using their voice devices for shopping. Further, a majority of Americans (70%) have not yet used voice search or voice assistants to shop, and well over half don’t trust the current providers to get it right.

Here is how consumers are using voice speakers

Even when shoppers are using voice assistants the highest percentage of people use it for researching or managing their shopping lists than actually making a final purchase.

When shoppers are using voice assistants

Image source: https://voicebot.ai

Currently, among the users who use voice search to shop, Google Assistant leads Amazon Alexa (14% vs. 9%). However, these consumers also feel that these players haven’t got voice-assisted shopping right. A study suggests that almost 63% of consumers feel that none of the current leaders (Amazon, Apple, Google, Microsoft) will pull ahead and “get it right,” any time soon.

There is obviously a gap that the consumer is facing when it comes to using voice assistants while shopping. As per a recent study, these are the three major reasons why consumers are reluctant to use voice-assisted shopping.

  • The technology is new
  • Lack of personalization
  • Not a simplified experience

Let’s dig deeper into each of these.

The reasons behind the low adoption of voice assistants for shopping

The technology is relatively new

Smartphone is an integral part of the consumer’s life today. While consumers are searching on smartphones they are not shopping on the device. Almost a third of shoppers (29 percent) browse on their smartphones daily, but only 27 percent of those shoppers go on to make a purchase on their devices at the same frequency.

The issue is, it’s more of a habit or muscle-memory in play here. While shopping, people tend to browse items, read reviews, compare costs etc. before making a purchase, these are things that cannot be done on voice-based assistants. It’s a habit that is very difficult to change. Of course, it’s possible to add shopping items to your list via voice but it works for items that you commonly use and ones that don’t need research or reviews from other users.

‘’Meeker’s 2015 report bets on ‘Buy buttons’ on social media to drive e-commerce but that has not happened yet. The incumbent e-commerce players are still the king and will remain so in the near future. I think voice assisted shopping might face a bit of resistance from IoT powered shopping such as the Amazon DASH buttons. For repeated purchase of consumables, one-press buttons are much faster and efficient than voice-based shopping. Even though the speech recognition has improved up to human-level accuracy I think people still have to build a habit of using speech to perform tasks on their phones.’’

-Pradeep Kumar, Vice President, Technology Innovations, Robosoft

The overall adoption of voice technology when it comes to retail is still picking up. One of the biggest reasons for this is the lack of interaction with the actual product on a digital platform vs in-store.

In case of voice assistants, the added disadvantage is the lack of screen as well. When it comes to consumables or CPG products like grocery items, it is relatively easier for buyers to shop for them. However, buying higher value products or apparels without a screen is not comfortable for users.

As per Tiffany Tan Kohler, Director, brand engagement, The Clorox Co.

‘’People use voice commerce, specifically, for consumables and reordering products they are familiar with. The beauty of voice is that it enables frictionless shopping, so it’s particularly ideal for buying consumables that shoppers think about during their day.’’

Of course, this challenge opens up possibilities for brands to experiment with technologies like Virtual Reality. Technology giants like Amazon are already thinking ahead and tackling this problem, last year, Amazon launched its Echo Show that provides users with a screen to better see purchases and other images.

‘’I think voice assisted flows will find more use in much simpler tasks where there are not a lot of options to choose from. It’s better suited for flows that are complex to be performed via click or taps but can be done easily via voice command. This can still be applicable to shopping for products that don’t have a lot of configurations.’’

-Pradeep Kumar, Vice President, Technology Innovations, Robosoft

Missing the connect

Most of the voice assistants need to be given exact and specific instructions. However, while shopping consumers are not always clear about the brand they want to buy, in some cases even the product category they want to buy.

According to a study, most website/mobile app visitors actually spend time researching about a product category than buying, further proves that purchase is typically a secondary consideration. In fact, even when it comes to shoppers who say purchase is their primary reason for visiting websites/mobiles apps, just 38 percent first look for the products they came for.

This means most online shoppers are usually looking for recommendations. The voice assistants available in the market today aren’t able to connect with the consumers. A recent study, suggests, 72% of respondents feel that the voice assistants are not cognitive enough to recommend gift ideas. However, as technology advances retailers will be able to personalize customer experiences.

Google Duplex is an example of one such advancement in this area and is a big step towards humanizing the voice assistants. The recent launch of Continued Conversation, a feature that allows for more natural conversation between users and Google Home voice assistants is another critical step towards making conversations with a voice assistant sound more natural.

As per Google

We’ve heard from a lot of people that adding “Hey Google” before each follow-up question for the Assistant doesn’t feel as natural as they’d like. We announced Continued Conversation at I/O as an optional setting which lets you have a natural back-and-forth conversation with the Assistant without repeating “Hey Google” for each follow-up request.

Chatting up your Google Assistant just got easier

Image source : blog.google

The factors responsible for personalizing these experiences for customers are two-fold:

  • First, AI and NLP (Natural Language Processing) will need to advance to a point where consumers feel that they are interacting with a human voice at the other end.
  • Second, retailers will have to devise a strategy to ensure the device has the latest customer interactions so it can make targeted, on point recommendations that align with the shopper’s current sentiment and previous behavior.

Not a simplified shopping experience

With the advancements in the technology and digital payments, the entire purchase-cycle for online purchases is integrated. However, the ease of payments hasn’t been sorted out when it comes to voice-assisted shopping. As per a recent survey, almost 19% of respondents felt that voice commerce required too much guidance.

When it comes to voice-commerce it is important that users get the convenience of making the purchase in minimal voice-commands and zero screen interaction. Much like in the case of mobile apps it is important that the entire purchase cycle from researching to payments is completed in a limited number of fingertips.

As per Bill Carmody Founder and CEO, Trepoint

‘’If voice commerce is not easy to navigate when making a purchase, users will unplug and move to another channel. Regardless of the channel consumers engage on, they want it to be convenient and that’s a major benefit of an in-home assistant.’’

One important thing that brands need to know if they want to be part of the voice assisted shopping is that their names should be easily recognizable by the NLP engines. Products that have common names might be easily recognizable but products that have a tough name or can be pronounced in different ways will have trouble getting it right. Identifying the brand name via voice recognition is the first challenge that brands will have to face and solve.

Why should brands consider devising a strategy for voice-assisted shopping?

While the technology itself seems to be in a nascent stage, it will advance with innovations and improvements in the area of AI, NLP, AR/VR etc. For brands, to stay ahead of the curve, it makes sense to start exploring the possibilities now, when the technology is still picking up and the adoption is easier.

Further, today’s digitally-savvy consumers seek technology-rich experiences, provided they are done right. According to a recent report by Capgemini

40 percent of consumers say that three years from now, they will be more likely to use a voice assistant rather than engage with a retailer’s mobile app or website. That’s up from 24 percent who use or would use the technology today.  The study also found consumers expect to be using voice assistants over a number of other retail tasks within three years, including visiting a shop, dealing with customer support/call centres and using a salesperson.

However, while consumers are open to trying a new technology, they are equally fast to abandon an experience that doesn’t add value to their digital experience and isn’t intuitive enough. Hence, it is important for brands to have a clear strategy on why they should have a voice-search strategy and how is it going to make consumer’s life easier.

As Joey Moore, director product manager, Episerver, rightly puts it:

“Today’s shoppers are interested in technology-rich experiences, but only if it’s done right. Rather than introducing novel technology for the sake of doing so, brands should implement tools like smart mirrors in-store and facial recognition sign-in online to make shopping easier, fast, more convenient and engaging.”

What consumers expect from voice assistants

Convenience is one of the major reasons why consumers adopt any new technology. So, is the case with voice assistants too. As validated by a recent report, 52 percent of consumers say convenience and 48 percent consumers say the ability to do things hands-free, are the two biggest reasons for preferring voice assistants over mobile apps/websites. Further, being able to automate routine shopping tasks and a higher level of personalization was tied for third, at 41 percent.

When it comes to shopping consumers would want a voice assistant to make their lives easier at various touch points.

What consumers expect from voice assistants

So what should brands be doing now to get ready for the voice shelf?

It is clear that consumers are expecting retailers to offer a voice-based solution to make their lives easier. Further, in the coming years, voice is going to be a strategic selling channel for retailers. As found in this survey, voice technology has a huge satisfaction rate across several age groups. 65% of users said they can’t go back to a life without a smart speaker and they end up using the technology multiple times a day.

It’s projected to be a $3.5 billion dollar industry by 2021. Given these facts, it is evident that voice-technology is going to take off in the coming years, it is important for brands to plan for voice-technology in their strategy.

How retailers can make the most out of the voice-search

According to ComScore, 50 percent of all searches are going to be by voice by 2020. To adapt to this changing behaviour of users, Google has subtly been evolving its response to this, providing “Answer boxes” for a couple of years to an increasingly wide range of queries. Powered by the Knowledge Graph, which stores structured and unstructured information to help Google improve its search queries, these boxes fuel the answers provided by Google Home. As users get more accustomed to voice search, it will also impact how consumers shop.

It’s clear that voice-activated shopping is only set to get bigger, but many companies are unsure about where to even start with their voice strategy. Some of the basic strategies that brands should be keeping in mind while adopting voice strategy are – eCommerce optimization,  a good search ranking, accurate and complete product content, as well as highly-rated and well-priced products, is the foundation to a successful voice strategy.

Understand your consumers

As mentioned earlier one of the reasons why consumers opt for voice search is convenience and simplifying their day-to-day tasks. Hence, it becomes critical for brands to understand consumer behavior while they shop. Brands will have to anticipate what users need and in doing so, user-centric voice strategy will play a critical role.

It might include providing solutions based on previous user-interactions with the brand, social listening and intuitive user behaviour on a brand’s website or app. As smart-speakers gain ground, a user-centric strategy will help brands get a competitive advantage.

Another important aspect of devising a user-centric strategy would be understanding the user-intent behind any query. This will require brands to develop content as well as expand your paid search keyword lists to include longer tail keyword phrases to reach users at each stage of intent based on the types of questions they are asking.

Understand your consumers

Image source: Campaignlive.co.uk

Understand user’s language

As mentioned earlier in the article, most users are reluctant to use voice search because they do not connect with the voice assistants. One of the reasons behind this is the tone and the words they use while using a voice query vs a search query. Voice searches are longer than keyword searches for a simple reason that compared to typing, we can speak more words at any point in time. Further, when it comes to voice search the queries are more natural than the ones entered in the search bar.

Understand user’s language

Image source: Campaignlive.co.uk

Hence brands will have to be cognizant of the fact that instead of saying what consumers type, they are going to speak in a manner they verbally communicate.

For instance, instead of saying Thai restaurants, Chicago, they’re going to say, “Where are the closest Thai restaurants?”

Natural language queries make up 70 percent of queries received by Google Assistant, and voice searches are 30 times more likely to be action-based. Further, People can speak 150 words per minute compared to typing only 40, and speaking is a much more natural way for us to interact with our surroundings.

Advances in AI, deep learning and NLP will further bridge the gap between voice assistant understanding and connecting with their human friends better. AI also offers an unprecedented access to user habits and preferences—so bands have a huge potential to use it. Brands will need to leverage AI to customize the conversation in the users’ conversational style. Tone and wording are crucial in that endeavour.

Hear more than what users say

While voice recognition technology is still improving, one of the key differentiators in this aspect will be understanding not what users say but what they mean. For instance, if a user asks Alexa to “search women’s Adidas Ultra BOOST shoes,” is she looking for user reviews or is she ready to purchase? And in decoding this user-intent AI will play a critical role by augmenting basic search parameters.

AI can help brands read contextual clues to refine their customer persona model by what stage of the buying journey someone is in. Armed with this information, brands will be better positioned to fine tune their voice in accordance with intent.

In conclusion

While voice search is becoming popular amongst users, it will take time voice commerce to pick up pace. However, it will help retailers and the e-commerce industry to prepare for this change right now, when users are still becoming accustomed to the technology and the entry barriers are low.

However, the incidents of recent security and privacy breaches have made consumers sceptical and more concerned about the security and privacy issues related to any piece of technology. The recent breach of privacy by Alexa’s Echo makes it even more important for brands to ensure robust security measures are taken.

Coupled with advances in technologies like  AI, VR, deep learning, NLP, etc. voice assistant technology is set to slowly become an integral part of consumers’ life. For brands, it is critical to start preparing for this shift now and be future ready

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Mobile Technologies

iOS 12 and other announcements at WWDC 18: what it means for enterprises

WWDC is a much-awaited event not just for the Apple developer community but also for the tech world, business enterprises and tech savvy consumers. There is always some pre-event buzz round WWDC, but this year was marked by relative quiet on the rumor mill. Apple WWDC event kick started on June 4th. In this article we discuss a few critical announcements made and their implications for enterprises.

iOS 12: focus on performances

iOS 12: focus on performances

Image source: Apple.com

The next version of iOS focuses largely on delivering better performance rather than charming users with newer features. It promises faster app launches, smoother gestures while bringing in some breakthrough features in technologies such as ARKit, Siri and Core ML. iOS 12 maintains backward compatibility too, supporting a lot of the older devices. In fact, every device that runs iOS 11 can run iOS 12. Product parity is common in hardware and revolutionary new features are virtually impossible on that front. Hence the only way to keep the users glued on is to improve the performance of the existing software significantly.

The Implication:

For enterprises it could simply mean improved performance of their apps by getting them ‘iOS 12 ready’. Since adoption rates of latest iOS releases are high thanks to a centralized update system, support for iOS 10 and lower can perhaps be dropped.

Augmented Reality: catalyst for more use cases

Augmented Reality: catalyst for more use cases

Image source: Apple.com

In recent times AR has become a buzzword and a sought-after technology. However, one can’t but help feel that the use-cases baked into apps did not really lend themselves for repeated usage. AR-enabled apps have largely novelty value and hence the benefits of the technology have not been exploited yet. ARKit 2 hopes to change all that with improvements like multi-user support. It means that several users can view the same AR scene from their own device’s perspective. This opens up for a lot of opportunities for game developers and even brands considering bespoke games. With features like persistent and shared AR experiences, Apple is also bringing social element into AR world.

Entirely new experiences could be created using these technologies. For e.g. a group of people can get together every day to build ‘AR worlds’ of their own and persist the AR world between sessions so that they can rebuild from where they left off. Persistent experience could also allow people to engage with AR world for a longer duration.

With 3D object detection one could bring real world objects to the AR world and manipulate them. In a way it is a marriage of the physical world with the virtual world. I wonder if one could save this model into the new USDZ file format for later manipulation using Adobe software. Currently it sounds like it supports known objects such as sculptures, toys and furniture.

The Implication:

Being able to share the same AR world between multiple users will open up a new mode of experience design for Gaming and Education industries. Earlier all engagement had to be done with a single session and hence it was not so appealing to the customers. But now with persistent experience the engagement can be real and hence more people can engage with AR experiences. Two chess players could play a game of chess in AR without an actual chess board during a coffee break and continue the game later on. Aside from games, Augmented Reality could enrich the experience in the content of news apps. An article showcasing a new car model could be accompanied with 3D model of the car or travel related content can showcase a destination or landmark like never before.

Apple also demonstrated that ARKit 2 could reveal the interior of the physical set but may be it can do so only for known structures. If it works in a universal fashion then this could also be used to show the interior of vehicles, engines etc. – a feature that automotive industry or maybe the real estate industry can explore.

Siri gets better

Siri gets better

Image source: Apple.com

Siri shortcuts can be a useful feature if used smartly – it looks like any app can add a shortcut to Siri, enabling the app to complete a sequence of events.

Also, it appears that you can combine shortcuts from different apps to create a workflow that will be executed in the specified order as defined during the shortcut creation. With Siri opening up for other apps and support for creating workflows by combining Siri actions from multiple apps this creates a whole new way of automating common use cases that involves multiple apps.

The implication:
Apps with repetitive tasks – e.g. utility payments can make use of such a feature.

The Apple differentiator and privacy

The Apple differentiator and privacy

Image source: Apple.com

Not ‘selling’ consumer data and not relying on advertising as a major source of revenue has been a priority for Apple. Apple once again affirmed their position with respect to user’s privacy. They already provide protection for lot of data such as location, contacts, photos, camera, microphone etc. Now they are taking the privacy one step further by blocking software based approaches of identification. With additional confirmation dialogs when browsing in places like when adding comments that requires login to social media they are putting users in control of their privacy. Also techniques like Fingerprinting are also not going to work reliably as their access to algorithms they used to generate will be blocked.

Recently, iPhone’s co-creator and Apple investors also highlighted concerns about growing mobile phone addiction among teens and kids. They had urged Apple to own up the responsibility of controlling phone usage. It looks like Apple heard them and hence the new features like Screen Time and App Limits. These two provide features such as Reports, Summary, Time limits, Allowances to enable better control over yours and your kids’ phone usage.

Ironically, soon after announcing features which enable some sort of discipline to phone usage, Apple announced the addictive Memoji feature. The ability to blend Memojis in FaceTime or messages on top of your face is something that’s fun. I can see people trying this out along with the new camera filters. So I guess wherever there is Camera integration you can get this feature as well.

Core ML 2

Apple’s Machine Learning framework Core ML got a significant upgrade both in terms of speed and model size. With improved performance I think app developers might now be able to integrate Core ML in their apps since it does not bloat app sizes. Create ML tool brings machine learning training and modelling to the Mac. With native support on the Mac, Create ML can significantly improve training times for custom models. With Core ML 2 if the app developers see a significant drop in the model size, then I think people might experiment with it and start integrating it in their apps.

WatchOS 5

WatchOS 5

Image source: Apple.com

Although targeted at sports and fitness enthusiasts, Apple Watch is soon proving to be a lifesaver device and not just a fitness tracking device. Of late the device is strongly linked as a health monitor and even a life saver

WatchOS 5 is adding a Competition feature using which you can challenge your friend for a fitness activity and monitor the progress. Better tracking of your activity such as workout alerts allows you to track your activities more accurately. Walkie Talkie feature is a cool feature that enables watch-to-watch connection, which when established, allows you to walkie-talkie each other. And this works over Cellular and WiFi, making it very usable. It could be a replacement for quick chats.

WatchOS 5 allows you to view web content on the Watch. This is cool because you now can reuse some of your content as is without having to create native version of the content for the Watch. Does this mean a new form of responsive web pages that supports Watches? Replacement for Student ID cards is another cool new feature that WatchOS 5 brings to you using which you can add your ID to the Wallet and use it in places where a student ID card would be accepted.

Summary

At the beginning of the Keynote, Apple reiterated their commitment to put the ‘customer at the center of the experience’. The slew of new features seem to live up to the promise – aimed at better app performance with emphasis on privacy and safety.

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Mobile Technologies

UX upgrades for the airline industry – design suggestions for a deeper, more intimate airport experience

To fly, we must. For some, the regularity has numbed us, for others less frequent; it remains a daunting chore — You stand, you wait, you get frisked, you wait, you fly, you eat, you sit and stand again, and then you make a last restless dash for the doors, as if every second counted in this inevitable race to nowhere. The baggage carousels and Uber queues are the great levelers. Nobody gets ahead of this game.

This essay is about design suggestions that would help create a deeper, more intimate “airport experience”. These insights are personal, derived from hours of waiting at airports and watching. And over time the process has become almost meditative, resulting in a few distilled concepts around design and technology. I hope this would urge airlines to embrace emotionally designed journeys, wherein technology becomes a pillar of dependability rather than just another tick-mark to a digital transformation mandate.

It’s only through consistency and reliability, born out of unflinching focus that a business can truly succeed. And not through the contemporaneous handstands of forced digital disruption.

The 7 Stages of flying

There are subtle rhythms behind every process. They are like musical compositions, miss a beat and the tune goes for a toss. To better understand these rhythms we need to break a process down into precise stages, with each stage possessing a clear demarcation of purpose.

Currently, a typical airline journey is broken down into four stages — Booking, Departure, Flying and Arrival. While this may hold good from a macro perspective, there are micro-rhythms that are missed. How do users plan their journeys? There is definitely more to planning than just a pretty booking interface. What are the strains from pre-trip anxiety? And arrival at a port of call is not necessarily the end of a journey.

In order to accommodate these micro-rhythms of the new age traveler, I expanded these four stages into seven steps. The new flow adds three essential stages — Planning, Pre-trip, and Post-Arrival. These seven steps form the base-framework of the new UX flow.

Image 01 – Seven steps that form the base-framework of the new UX flow

The Users

Decades ago, flying was a unique experience, happened once in a while, and to distant places. There was a certain romance that existed. Airports weren’t crowded, counter experiences personalised, flight attendants were courteous, security personnels smiled, and your baggage weight was not part of a revenue model. You had butterflies in your stomach every time you entered an airport. I still have butterflies occasionally, especially at take-off. With the advent of low-cost carriers, flying went supernova, and almost everyone flies now.

Time is of the essence and when that happens romance jumps out of the window.

To keep things simple, I have bucketed the users of new age airline travelers into four profiles based on their needs.

Image 02 – Four user profiles based on their needs

Four user profiles based on their needs

Business Traveler — Always late or in a hurry, quick check-ins are the priority. Connectivity and swift transfers always on their minds. The rewards and lounges access is something they gun for.

Switching between phones and laptop, emails and messages, coming and going, lost in transit and they sometimes get isolated.

The Leisure Traveler — Off to places where the sunny side is up. Usually, on a tight budget, they make choices on recommendations and keep a sharp eye out for deals on tickets. Flying frequently, they are casual and relaxed. Shopping at the arcades, they look at things they otherwise wouldn’t need. May buy a book but not the Sony LCD. May have a beer as opposed to a coffee. All is good, a life of fun awaits.

Family Groups — Large groups shuffling through the airport, constant head counts of children and luggage alike. Seats need to be together. Baby tantrums and seat belt extensions for the grandfather. Check-in, in-flight food and comfort are a priority.

Special Needs — Care for specially-abled and elderly calls for a rooted sense of empathy. Flying can become an extremely anxious experience of our older folks. The sheer sizes of airports today, language barriers, new digital systems that breed impersonal attitudes all cause a fair amount of disorientation.

Wheelchair or personal assistance is not just limited to a physical want. It needs to be administered in the most gentle manner, it is only then that the experience has a profound emotional effect. Care-giving is the focus here.

The experience map of family travelers

I have chosen to elaborate the experience of the family groups, as their needs are more varied and demanding. Compressing the entire journey into main nodal points, the red dots are the areas of maximum pain. 

Image 03 – Experience map of a family traveller

In the above map, while planning and bookings having their own hurdles, the focus here is on what happens in and around the airport like immigration and security checks. There is the chaos of the boarding lounge, then baggage collection and finally transportation at the destination, while check-ins, baggage drop-offs, lounges could all do with some improvements.

Pain points summarized for the Family Traveler

Besides Facebook and banks, airlines seem to have access to a lot of user data. By efficiently using frequent flyer data, can we answer some of the below questions?

It’s been a long and hectic year. We need to take a break. Where can we go this year?

Challenge — Planning a family trip is an emotional and repetitive decision. Can airlines preempt this need and help suggest relevant destinations?

With more significant aspects of the travel taken care of. “Hope I haven’t missed out on anything.”

Challenge — At the last minute, small things tend to be forgotten. Travelling with family requires meticulous planning & confirmation of all logistics.

“Hopefully, we are done quickly with immigration and get our bags soon.”

Challenge — Travel doesn’t end at the port of destination. Being a reliable partner means focusing on the complete end-to-end travel experience, from the baggage carousel to the hotel room.

Below is the experience map for a Business Traveler.

Image 04 – The experience map for a Business Traveller

Business Travelers are usually too preoccupied with their personal agendas and don’t get into the nuances of travel planning and execution. They want to just go with the flow, herd their way through.

The emotional pillars

Identify the negative emotions, and you will understand the nature of a specific pain-state.

The primary need of product features is to address these pain-states. Very often we do not resonate with the real pain and land up treating superficial pain points, creating features that are benign.

Hence I make it a practice of drawing up the key emotional pillars — celebrating the positive emotions that negate the negative ones. In this case, designing that end-to-end travel experience requires three key emotional pillars.

Image 05 – Emotional Pillars

Reliability

Air-travel seems to be caught in a continuous tug-of-war with time. And it’s not just about flights taking off on-time, it starts with the booking experiences, counter transactions, baggage safety and a host of other services. Reliability is not about doing new stuff every time, but doing a few essentials correctly and consistently, so that travelers can depend on these services blindly.

Comfort

When things get reliable, they start to get comfortable. True comfort transcends the physical needs. It is not just about creature comforts, it is more about mentally being at ease. Hassle free rescheduling, notifying a change in boarding gates, subtle in-flight experiences, baggage drops-offs and so on.

Delight

You are happy when an experience exceeds your expectation, you are delighted when you least expect it.

Through the essence of reliability and comfort, delight can be experienced time over. Only when an airline has embodied reliability, will it have the ability and time to focus on the other more humane micro-rhythms — the gentleness of speech, seamless transfers, quick rescheduling, the rhythms of baggage handling, ownership of screw-ups, quick compensations and forgiveness.

User errors and mistakes should not be looked upon as a monetisation event but as an opportunity to delight the traveller.

The new experience

Here is a new take to create a seamless airline experience. Below are insights that help address the above pain points, creating a connected experience of delight.

How can airlines understand emotions and use big data to help users plan a trip?

We all have a fair guess as to how much of our information is really out there. Every time we fly, there is information we voluntarily and involuntarily divulge — the time of year we tend to travel, the places we have visited and how long we stayed, the exact dates of entry and exit. The seats we preferred and the food we like, our payment modes and credit cards. The extra baggage we haggled on, whether we have been “good or bad”, it’s all out there.

Image 06 – Airlines tap into those past moments to create relevant discounts and offers

The aftermath of a holiday is nostalgia — “The passion of reliving a good moment.” Can airlines tap into these past moments, based on the user’s flight histories, to understand where and when was the last significant event/holiday, and at the right time suggest new/similar places?

Can an email/notification sound like this:

“Remember Sweden, the snow-clad mountains and the beautiful museums? This summer we offer a customized 20% discount not just on your tickets but on your hotels too. And to make it easier, you can pick a destination anywhere in Europe!”

All you need to do is to pack a bag. Click here to let our Travel Planners sort the rest out.

Tapping into our nostalgia, they can create a desire to travel and then facilitate this new want further by relevant discounts rather than a generic 20% off. Also, bring in assisted travel planning through the seamless booking of tickets, hotels etc. A host of services can then be added on. (Image 06)

Create a “pull” notification instead of a “push” notification.

Focusing on the UX of the booking interface is a start to an error-free journey

The primary needs of the booking interface are to — discover, communicate, and encourage a booking.

Family or multiple bookings can get complicated, simple things like getting the names, dates, destination or timings right need a certain amount of effort and focus. For example, there are many cases where the users had selected the dates right but mistakenly booked the destinations in reverse order. To avoid these human errors visual checks should be designed to communicate and validate each decision made by the users at every step.

It is important to avoid jargon by maintaining a direct, uncomplicated tone of voice. Large and legible type should be encouraged. Section grouping brings focus, for example, have a clear demarcation between selecting destinations, dates and number of people flying help in quickly comprehending the priority of information needed. (Image 07)

Avoid the hidden costs and click bait prices. Final booking dates, time and cost should be summarized with clarity before a payment gets initiated.

Image 07 – Flight Bookings — An elegant interface makes booking flights a breeze

Check-ins, boarding passes and rescheduling from the comfort of your phone

Create one step mobile check-ins, which are designed to be inclusive of seat upgrades, meal preferences and choice of entertainment. For repeat user, these preferences should automatically be auto-recognized, linking them directly to the user’s airline membership and loyalty programs, earning points as you go.

Cancellation and rescheduling trips are often last-minute decisions that give rise to a fair amount of anxiety. Once a booking is done, they should appear upfront on the ticket interface as prominent buttons. (Image 07)

The cancellation should offer immediate clarity on implications such as the refund amount/policy. The rescheduling journeys need to intuitively recognize rescheduling from a normal booking and produce smart results instead of querying the user for previously stated information like destination, passenger info etc.

Relevant weather updates

Most often the weather within a country varies –  it might be dry on the west coast and pouring on the east. Rather than just displaying temperatures, a thoughtful reminder to carry an umbrella would go a long way.

Image 07 — With seats, meal preferences and weather updates, check-in is only a tap away

Mobile boarding passes

While some airlines have adopted digital boarding passes, many have not. It’s time we replaced the printed tickets with a digital one. Besides being eco-friendly, this feature creates a seamless journey especially for the business traveller who is always in a rush. (Image 08)

Image 08 — Mobile boarding pass, clubbed with relevant features like cab bookings and rescheduling

A notification strategy built on the pillars of time and relevancy

The core of an effective notification-strategy is based on time and relevancy. Notifying the users about an event that had or will have a direct impact on their lives.

Over-enthusiasm in firing out generalised notifications can antagonize users. The notification triggers have to based on personal actions of a specific user’s micro-actions that are developed over time through intelligent learnings of the macro behavioural pattern.

A notification strategy for a traveller should able to pre-empt a future situation, avoid anxiety, be sympathetic through an honest tone of voice and most importantly do not generalize the moment through irrelevant offers and suggestions.

Boarding reminders and gate change notifications

Today most airports are going silent, minimizing boarding and flight announcements. While this seems like a boon, for the sleepyheads it could spell disaster. I know of quite a few tired folks who have slept off in the terminal, missing their flights.

Often times, boarding gates are changed at the last moment. Then sprinting across a large airport with your hand baggage needs a certain sense of humor. A timely mobile notification of a gate change will have travelers board on time, especially the elderly. (Image 09)

Image 09 – Boarding or gate change notifications

Baggage tracking notifications lead to peace of mind

Even though this may be your hundred and tenth flight, your baggage is always on your mind. Has it been loaded on the same flight? Will get lost in transit?

A thoughtful system can be designed that monitors baggage loading. It can send out a gentle notification keeping travelers informed about their baggage status, helping them have a relaxed flight. (Image 10)

Image 10 – Bags loaded. All is safe!

Carousel notifications

Once travelers land, a notification should be triggered informing passengers of the carousel location of their bags. In spite of all good intentions if baggage does get misplaced, a quick call to action to flag the lost baggage should be instantly available. This will provide some comfort by sparing the unnecessary anxiety of a runaround. (Image 11)

Image 11 – Carousel notification and lost bags

Getting your ride home

All’s well that ends well! The last leg of the journey is about getting your ride home. An integrated transport booking & tracking system built into the app will let users plan and pre-book their travel at their end destination. (Image 12)

Image 12 – Out of the airport and into a cab. An end to end travel experience

A notification on your Air Miles.

Every time I fly I wonder if my air miles would get auto-credited to my account. Sometimes I ask the lady at the counter and with a smile, she tells me “This time, it has.” Too lazy to keep a tab of the many past times, I let it slip of my mind.

A timely confirmation of air-miles updates works as a great way to proactively acknowledge a customer’s patronage, rather than just a generic notification — “Thank you for flying with us.” (Image 13)

Image13 – Proactively addressing a customer’s patronage

In my view, loyalty programs should be based on the fundamentals of micro-patronizing and smart redemption. Repeated usage of any part of a service offering should be rewarded seamlessly, and should not be limited to only big-ticket items or purchases. In this case, Airmiles — flying should not be the only opportunity for rewards, the program should extend to measurable acts done within the airport, early check-ins, pre-booking of meals, the overall good behavior of a guest could be a reason to reward and appreciated. Just like Uber rates its guest, letting them know that being polite matters.

Redemption programs should be smart and meaningful. Rather than the users having to keep a tab on their point score or waiting until they are about to expire, redemption deals should be intelligently invoked when the opportunity arises.

For example, when you have earned enough number of points an auto upgrade to business class or a seat of your choice can be an automatic prompt. In an intelligent eco-system, users do not need to figure out how and when to redeem points.

Remember, a reward program is only as good as its redemption. The ultimate goal here is to genuinely appreciate loyalty and encourage healthy usage.

Summary

To summarize, in the above image, I have broadly listed down the features that would help make a traveler’s journey comfortable. Some of them are basic hygiene features, things I would personally like to have. Though some of the features may seem simple, there is always much more to simplicity than what meets the eye. Finally, through quality and consistency, an airline reflects its true personality.

Disclaimer: All logos shown here belong to the respective brands and used in mock ups for illustrative purpose only.

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Mobile Technologies

GDPR and its implications for app developers

The General Data Protection Regulation (GDPR) is going to be effective from 25th May 2018 and enterprises across the globe are already geared up to update their data privacy rules in compliance with the GDPR regulations.

In this article, we will outline what GDPR means for app owners and how they can ensure that their app is GDPR compliant.

What is GDPR?

GDPR is a set of regulations that every enterprise collecting user data should comply with. The primary objective of GDPR is to give control to citizens and residents over their personal data and to simplify the regulatory environment for businesses by unifying the regulation within the EU (European Union).

Although most European countries have their individual data privacy laws, GDPR aims to standardize these rules and make safeguarding users’ data stronger, easier, and more uniform across the EU, unifying existing data protection regulations across its 28 member states.

What are the aspects that come under GDPR?

Besides the data collected by enterprises through their digital interactions with the customers on websites, apps, etc., GDPR also protects user-generated data such as social media posts, personal images uploaded to any website including those which might not have been uploaded by the individuals themselves. Additionally, any other uniquely personal information commonly uploaded or found online about the user will come under the purview of GDPR.

Essentially, GDPR is aimed to protect all personal user data across every online platform

Here are some of the key changes to come into effect with GDPR:

  • Expanded rights for individuals: The GDPR grants users the right to be forgotten and the right to request a copy of any personal data stored in their regard.
  • Compliance obligations: GDPR requires organizations to implement appropriate policies and security protocols, privacy impact assessments, maintain detailed records on data activities and have written agreements with vendors.
  • Data breach notification and security: Under GDPR organizations will have to report certain data breaches to data protection authorities, and under certain circumstances, to the affected data subjects.
  • New requirements for profiling and monitoring: The GDPR places additional obligations on organizations engaged in profiling or monitoring behavior of EU individuals.
  • Increased Enforcement: In case of failure to abide by GDPR regulations, authorities can fine organizations up to the greater of €20 million or 4% of a company’s annual global revenue.

What does GDPR mean for enterprises?

It means for enterprises across the globe interacting with customers in the EU region will have to ensure stringent compliance with GDPR. Even if a business doesn’t operate in the EU, they will still have to be GDPR compliant if the business holds data of EU citizens.

This means businesses will need to provide and be accountable for information like:

  • How was the data collected?
  • How will the data be used?
  • Have users given approval to use their data?
  • How long will the business hold the user-data?
  • Did businesses give users a chance to opt out?
  • Ensuring that users are able to access all the data businesses have on them if they want.

It will also imply that businesses will have to shift from an ‘opt-out’ approach for collecting user data, to an ‘opt-in’ approach. Which means enterprises will have to ensure that users have the option to opt-out of sharing the data they do not want to share, beforehand.

While right now this approach will only become a mandate when it comes to EU based customers, adopting such approach at a global scale will be helpful for enterprises in a long run, in the light of the recent data fiasco of Facebook.

How will GDPR affect app owners?

GDPR is one of the most significant data protection legislation that has been introduced in the European Union. Apps will be one of the platforms which will be most affected. While GDPR will also apply to websites, for websites it will be a lot easier to comply with the changed regulations. However, in case of apps, it will be a bit complex since they will have to be updated with the new SDKs that are used by apps for analytics.

As mentioned earlier, GDPR fundamentally ensures that no data is collected about a user and the device to which the user is associated with, unless the user specifically opts in. While it might be possible that that app owners might by default continue to collect the data, it will be mandatory for them to give users an opt-out option.

Role of the mobile app ecosystem in the purview of GDPR

To understand GDPR it’s important to first understand the three roles in the mobile app ecosystem.

  • Data Subjects – This is you, me and everybody else who uses a mobile app
  • Data Controller – This is the app developer or the company that develops the app.
  • Data processor – This is the company whose SDK is integrated into the app. E.g. Localytics, CleverTap, Amplitude, MixPanel, Firebase analytics etc.

The revised definition of personal data

With the introduction of GDPR, the definition of personal data has changed. It goes beyond traditional personally identifiable information – name, email address, etc., it will now include identifiers such as device sensors, IP address etc, which when combined with other data, can identify an individual. This is a huge change in the way we think about personal data.

Impact of GDPR on the app ecosystem

The impact of the GDPR, although is limited to the EU region it will have a widespread impact on the entire app and analytics ecosystem. If a business has an app that uses an analytics SDK of any kind to track the user or a device then they are affected by this regulation. If the app is available in the EU region then they have to update it with the latest version of the analytics SDK that complies with the GDPR.

What can app owners do to ensure GDPR compliance?

Just updating the SDK is not enough. Even if an app owner doesn’t operate in the EU region, if the app is available in this region then it is mandatory to comply with the GDPR.

Here is what enterprises and app owners would need to do:

  • Businesses will have to ask for explicit consent from the user of the digital asset such as a website or an app whether the user would like to opt-in to collecting the data. This can be done via a custom screen in your app or some SDKs provide their own default messaging dialogue asking the user’s consent.
  • Based on the user’s consent they can use the methods in the SDK to enable or disable data collection for that user.
  • Businesses will also have to take care of conditions where the user might be using multiple devices in which case they have to cascade the consent setting across multiple devices based on whether he has opted out from the first device or not.
  • If a single device is used by multiple users they also need to take care of that situation wherein the data still continues to be collected for a user who has opted-in as opposed to a user who has opted-out even though they are using the same device.

How will GDPR impact targeting options

GDPR will have a huge impact on reaching the customers via targeted communication. At this moment it is a bit ambiguous whether GDPR requires the data processors to delete the existing user profile data by default or will the users have to explicitly do it after this regulation comes into effect. So, at present, we can assume that app owners will be able to reach out to users whose data might still be there with data processors unless they are also deleted.

Nonetheless, moving forward, user segmentation, targeted push notifications and marketing communications based on user demographics may become things of the past as businesses will not be able to segment users. App owners and marketers will need to find other ways of segmenting their users. For e.g. Interest areas.

Further, while using any Google products such as Google Analytics, Tag Manager Adwords to personalize the ads served to customers and track their on-site actions adhering to GDPR guidelines and getting user consent is a must.

According to Google:

“Advertisers using AdWords will be required to obtain consent for the use of cookies where legally required, and for the collection, sharing, and use of personal data for personalized ads for users in the EEA. This includes the use of remarketing tags and conversion tags. Where legally required, advertisers must also clearly identify each party that may collect, receive, or use end-users’ personal data.”

GDPR might also imply that in the coming days, marketers will no longer be able to share additional content assets with users, other than what they have opted for; for e.g. while doing a lead-generation campaign if the user downloads an ebook, marketers will not be able to send additional emails, newsletters etc. to them, unless these users opt-in for additional resources from these brands. Hence, marketers will have to devise newer ways to engage with their target audience.

In conclusion:

GDPR by far is known to be one of the most ambitious consumer data protection regulations that have been devised globally. While GDPR right now is limited to the EU, it will pave the way for more secure and stringent data protection laws for consumers globally.

Though initially the implementation and compliance with this regulation might cause some difficulty for businesses, it’s important to remember that this legislation is being introduced to protect users’ rights. And while it isn’t required for businesses to follow such regulations elsewhere, it will help businesses in a long-run to alleviate the privacy-related concerns the users have from apps and other such digital platforms.

Note: This is an opinion piece and enterprises must seek legal advice to ensure full compliance with GDPR regulations.

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