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Mobile Vouchers
VoGo Mobile Vouchers and the VoGo Marketing Platform MSc in Electronic Commerce Practicum Mobile Vouchers Group Members Darran Kavanagh Francesca Feeney Ita Rowesome Loic Hervot Business Supervisor Malcolm Brady Technical Supervisor Gary Keogh -1- VoGo Mobile Vouchers and the VoGo Marketing Platform Table of Contents Table of Contents.................................................................................................................................2 1 ~ Executive Summary.....................................................................................................................6 Summary Description of the Practicum........................................................6 2 ~ Strategy: Product/Service Concept......................................................................................8 Product Concept.........................................................................................8 Salient Benefits.........................................................................................10 Consumers....................................................................................10 Clients...........................................................................................10 Sustainable Competitive Advantage...........................................................11 Milestones to Product Development..........................................................12 Technical Milestones.....................................................................12 Business Milestones......................................................................13 Customers................................................................................................13 Business Model.........................................................................................13 Revenue Model..........................................................................................14 Risk Assessment and Evaluation................................................................15 Industry and Market Risk...............................................................15 Strategy Risk.................................................................................15 Operational Risk............................................................................15 Technology Risk............................................................................16 Financial Risk................................................................................16 Growth Strategy........................................................................................16 Phase One: Market Entry................................................................16 Phase Two: Expansion...................................................................17 Future:..........................................................................................17 Future Trends and Developments..............................................................18 Case Study – Japan forerunner for mobile phone trends................18 Future Trends for Mobile Technology ...........................................21 ~ Finger Whisper ..........................................................................21 ~ Mime Speech Recognition...........................................................22 3 ~ Marketing Analysis and Sales Plan...................................................................................23 Mission Statement.....................................................................................23 Internal Audit............................................................................................23 Organisational Assets....................................................................23 ~ Financial Assets..........................................................................23 ~ Physical Assets...........................................................................24 ~ People Assets.............................................................................24 ~ Legally Enforceable Assets.........................................................24 Marketing Assets...........................................................................24 ~ Customer Based Assets..............................................................24 ~ Distribution Based Assets...........................................................25 ~ Internally Based Assets...............................................................25 -2- VoGo Mobile Vouchers and the VoGo Marketing Platform ~ Alliance Based Assets.................................................................25 ~ Company/Team Assets..............................................................26 SWOT Analysis ~ VoGo m-Vouchers..........................................................26 Strengths......................................................................................26 Weaknesses...................................................................................27 Opportunities................................................................................27 Threats..........................................................................................27 SWOT Analysis ~ VoGo Marketing Platform................................................28 Strengths......................................................................................28 Weaknesses...................................................................................28 Opportunities................................................................................28 Threats..........................................................................................28 External Audit...........................................................................................29 Structure of the external environment...........................................29 Economic Environment:.................................................................29 Customers: ...................................................................................29 Competitive Environment – who are the suppliers and customers???? .....................................................................................................30 Threat of substitute products and services....................................31 Bargaining power of customers ....................................................31 Political and Legal Environment –..................................................31 Technological Environment –.........................................................32 Socio-Cultural Environment –........................................................33 Ecological Environment –...............................................................33 Competitor Analysis..................................................................................34 Industry and Markets................................................................................36 Industry Analysis...........................................................................36 Actual Market Size & Potential Market Size....................................37 High Technology Markets..............................................................39 Crossing the Chasm......................................................................39 Market Drivers..........................................................................................40 Market research results and deductions....................................................42 Evaluating Market Strategy........................................................................45 Evaluating Market and Market Segments...................................................46 Marketing Mix...........................................................................................47 Product.........................................................................................47 ~ M-Vouchers .............................................................................47 ~ M-Marketing..............................................................................47 ~ Boston Consulting Matrix...........................................................48 Price..............................................................................................48 ~ m-Voucher costs........................................................................49 ~ Subscriptions.............................................................................49 ~ m-Marketing packages...............................................................49 Place.............................................................................................49 Promotion.....................................................................................50 ~ Online Campaign........................................................................50 ~ Offline Campaign.......................................................................50 Physical Evidence...........................................................................51 Process..........................................................................................51 People...........................................................................................52 ~ Business – front line staff...........................................................52 ~ Business ....................................................................................52 ~ Technical....................................................................................52 4 ~ Technology/Operations Plan...............................................................................................53 Architecture and System...........................................................................53 Overview of VoGo..........................................................................53 Technology Used:..........................................................................54 -3- VoGo Mobile Vouchers and the VoGo Marketing Platform PHP...............................................................................................54 MySQL...........................................................................................55 ~ Advantages of MySQL.................................................................55 Clickatell SMS API - http://www.Clickatell.com .............................56 Benefits for using Clickatell in VoGo:.............................................57 Security.........................................................................................61 UML - User Cases (Users and Stores).............................................63 Stores:...........................................................................................72 Standards..................................................................................................80 Ecommerce Directive.....................................................................80 Data Protection Act.......................................................................81 Opt in / Opt out............................................................................81 Consumer Affairs..........................................................................82 Labour Requirements................................................................................82 5 ~ Management Structure...........................................................................................................83 Organisation Structure..............................................................................83 Ita Rowsome .................................................................................83 – Chief Executive Officer and Director of Sales...............................83 Francesca Feeney .........................................................................83 – Chief Financial Officer and Director of Marketing & PR................83 Loic Hervot ...................................................................................84 – Chief Operations Officer and Director of Innovations..................84 Darran Kavanagh ..........................................................................85 – Chief Information Officer and Director of Security.......................85 Gaps in Expertise......................................................................................85 86 6 ~ Finance...........................................................................................................................................87 Costs over lifetime....................................................................................87 Funding.........................................................................................87 Staff Costs.....................................................................................87 Legal Fees.....................................................................................87 Phone Bills.....................................................................................87 Promotion Costs............................................................................87 Technology Costs/Equipment Costs..............................................88 Office Space..................................................................................89 Insurance......................................................................................89 Total Voucher Sales/M-voucher service charge.............................89 Annual Subscription......................................................................89 M-voucher service charge.............................................................89 Cashflow Analysis.....................................................................................91 Cashflow analysis – 2006 – 2009 – 3 year plan..............................91 Profit and Loss Year 1...............................................................................91 Profit and Loss Year 1...............................................................................91 Profit and Loss Year 1...............................................................................91 Cash flow Year 1.......................................................................................91 Cash flow Year 2 ......................................................................................94 Cash flow Year 3.......................................................................................95 Appendix ..............................................................................................................................................96 1.1 Nokia N70 Full Specification................................................................96 1.2 IBM IT Architecture Workshop – Work Products...................................99 1.3 Market Research...............................................................................104 La Senza – Dundrum Shopping Centre.........................................104 -4- VoGo Mobile Vouchers and the VoGo Marketing Platform 1.4 Consumer Survey..............................................................................106 VoGo Online Survey – .................................................................106 1.5 CVs – Educational and Professional Experience.................................110 1.6 Research Salary Scales.......................................................................113 1.7 Barcode Technology..........................................................................114 Table of Figures...............................................................................................................................115 References..........................................................................................................................................117 Publications............................................................................................117 Articles...................................................................................................117 Additional Reading..................................................................................119 -5- VoGo Mobile Vouchers and the VoGo Marketing Platform 1 ~ Executive Summary Our Product and Business plan stems from several trends that are appearing in the modern retail and mobile telecommunications market. Increasing Mobile phone penetration. Increasing functionality, sophistication and volume of mobile phones and messaging. Focus on retail products, loyalty and payment systems that are slim-line and constantly on your person – thus gaining maximum use. Fast-paced and busy lifestyles… “need it here and now” attitude toward products and services. Mobile phones have recently evolved as a new and innovative channel through which to approach customers. Mobile phone penetration is at an all time high and far higher than that of Internet penetration and is now being harnessed as a modern means for information and services distribution. Summary Description of the Practicum The objective of this practicum is to create a mobile/electronic commerce solution primarily creating a paperless gift voucher system integrated with a parallel mobile marketing system. The mobile voucher system – VoGo – is a system delivering gift vouchers to your mobile phone in 4 easy steps. The m-voucher consists of a SMS that contains a serial number that corresponds to a barcode. The corresponding barcode image is sent via an MMS message to your phone. The integrated marketing system not only provides valuable reports and information regarding buyers and users, their purchases, age-groups etc but also allows retail outlets to target customers through the use of group SMS messages and reinforce -6- VoGo Mobile Vouchers and the VoGo Marketing Platform their customer relationships and complement existing marketing strategies and approaches. It is necessary for the VoGo team to research, conduct and analyse sufficient market research to establish the practicality, feasibility and possibility of creating such a system and launching it successfully into the Irish retail market. To consult professionals working across all areas of the value chain and correlate their experience and opinion with statistical and research information and analysis, building an overall and complex picture of such a system in a real-world situation. It is vital to establish key benefits and weaknesses of the concept as well as threats and opportunities that stem from the proposal. To ascertain key market drivers, size of the markets, as well as key segments to target in terms of popularity of product and highest potential revenue opportunities. To attempt to pinpoint the pros and cons and to endeavour to overcome and suggest possible innovative solutions to problems and issues that are present in existing POS/Gift voucher systems as well as those that manifest themselves in the proposed system. -7- VoGo Mobile Vouchers and the VoGo Marketing Platform 2 ~ Strategy: Product/Service Concept Product Concept As mentioned in the executive summary the VoGo products and business plan stems from several trends that are appearing in the retail market. The product concept focuses on 4 key areas: the Vouchers, Stores, Society & Culture and Phones. The product VoGo m-Voucher is geared towards a target audience of Mobile phone users and our m-marketing system to clients (stores) that want to understand and target their customers easier and more effectively. Many high street stores are doing away with the paper vouchers and plastic loyalty cards and are moving towards vouchers in a plastic gift card format and extending loyalty cards into a key ring fob format. These highly portable formats are harnessing the three things that people, the customers, usually always have on them and rarely leave the house without – keys, wallet and phone. It is this line of thinking that suggests the foundation of this practicum - vouchers to your mobile phone. It has already been discovered that there is already a market for m-Coupons and m-Ticketing. M-Vouchers are an extension of these successful industries. Vouchers although a promotional tool of stores have always been popular as gifts and as a way of providing store credit. With more and more retail outlets setting up and new brands emerging it is becoming increasing difficult for individual stores to make their mark. New and innovative marketing techniques and approaches maybe the solution or at least provide some differentiation and therefore advantage over others. Mobile phone penetration in Ireland is at an all time high and is over 102%1, whereas PC penetration is much lower. Many of the younger generations are 1 http://www.comreg.ie -8- VoGo Mobile Vouchers and the VoGo Marketing Platform growing up with technology as part of their everyday lives and are using technology everyday with out even thinking about or realising it. Phones are becoming less like traditional communications device and more like miniature computers and information stores. Taking an example the Nokia N70 [See Appendix 1.1 for specification] the N70 can display PowerPoint and Excel files…. etc. Mobile telephones are already being used to distribute information through text alerts for example, therefore it is only a matter of time until the ubiquitous nature of mobile phones is harnessed and phones in Ireland are being used as a mobile wallet storing tickets, cards, receipts, coupons, vouchers etc and much more. Figure 1: Diagrammatical explanation of the concept This theory behind the idea and concept defined it is clear that the system and idea are indeed viable for this modern and increasingly technically advanced retail market, industry and society in general. -9- VoGo Mobile Vouchers and the VoGo Marketing Platform Salient Benefits There are 3 players in the VoGo m-voucher system. There are the consumers, clients (retail outlets) and VoGo. The benefits affect each of the players in different ways. The 2 customers that are availing of the benefits are the consumers and clients (there are also corporate clients but this is outside the scope of the project at current). Consumers Highly portable - Significantly more portable and transferable than existing voucher forms ‘Keys, wallet, phone’ – the three things that people are rarely without, therefore always on your person Small no additional add-on items needed Equally quick and efficient as other vouchers and better than paper voucher options Status self-check online, view remaining balance or top-up Re-sendable in the case of loss or deletion Trackable and more secure Clients Environmentally friendly Highly targeted marketing – e.g. Timed phone marketing ‘Steak and sizzle’ approach to targeting customers Accessing people on the go, at anytime and anywhere Decrease in voucher administration time Allows the clients to build a relationship with their customers through our low-cost and direct marketing solution Cheaper than other marketing options Can get closer to their customers Can send personalised messages to customers Clients can collect contact details, statistics and run detailed reports Messages are instant - 10 - VoGo Mobile Vouchers and the VoGo Marketing Platform Sustainable Competitive Advantage With such high levels of competition in the modern markets it is important to leverage knowledge, skills and organisational structure to gain competitive advantage. Focusing on the 7 S’s – strategy, structure, systems, style, skills, staff, and shared values – and maintaining a constant level of innovation to stay at the top of the market. Create a structure and strategy that raises barriers to entry and is difficult to replicate or substitute. As a primarily m-Commerce application and business in an environment where there is not widespread use of m… anything yet and "text message advertising is in its infancy"2 it gives VoGo the opportunity of being largely first to market in Ireland. By being one of the first to market would give VoGo a substantial advantage over its competitors. Many of the existing m-Commerce technologies out there appear to only deal with one off messages to your phone that are used once and expire. The concept of m-Vouchers helps to transform your phone into an ongoing virtual mWallet. The m-Marketing offered allows modern and innovative companies to “complement offline and online advertising”3 already in existence and in effect “place your brands in the consumers’ pockets”4. “Mobile marketing is a direct, effective, interactive, flexible, personalised and targeted way communication with your customers – anywhere and at any time”5. M-Marketing is not enough on it’s own but along side other forms of marketing, “intelligent Mobile Marketing campaigns can build brand loyalty and customer satisfaction.”6 We see that there are many challenges facing retail establishments in the 21st century. It is important to avoid price wars and competitive prices destruction which has had a large affect on Internet companies, as well as the threat of many substitutes and the lack of product differentiation. At VoGo it is believed that it is necessary for those in the retail industry must overcome these challenges and offer superior products and service to gain advantage – hence the confidence in the VoGo m-Marketing platform and a superior and innovative marketing tool. 2 Wilkinson, A 2001, ‘Mobile Advertising Is Starting to Move’, Marketing Week, vol. 24, issue 27, page 18. Retrieved July 29th, 2006, Business & Company Resource Centre 3 http:// http://www.redsky.ie/home/services_mobile-marketing.php 4 http:// http://www.redsky.ie/home/services_mobile-marketing.php 5 http:// http://www.redsky.ie/home/services_mobile-marketing.php 6 http:// http://www.redsky.ie/home/services_mobile-marketing.php - 11 - VoGo Mobile Vouchers and the VoGo Marketing Platform The modern retail industry is becoming an increasingly competitive place. Retail intelligence is now something of reality in order to gain advantage retailers must be able to anticipate customer demands and behaviour patterns and hence improve their service, targeting and management around this. People are no longer looking for quantity instead of quality; they want superior service, superior shopping experience, increased satisfaction levels through tailoring of product lines and continuous pricing re-evaluations to meet changing customer requirements. The retailers are looking for ways to reduce costs, theft, fraud and waste. Retailers can achieve this through optimising their supply chain, customer throughput and operating costs but this can only be achieved through understanding their customers and understanding their different needs to the full. Technology is the key to conquering many of the challenges and offers new channels to retailers through which to convey their message. VoGo can make a significant impact on the consumers and clients it will add a new dimension to the Mobile Phone and as intended become one of the major players in the retail and voucher industries. By offering a superior service, superior customer service and superior product VoGo intends to maximise and maintain its sustainable competitive advantage. 7 Milestones to Product Development Technical Milestones 7 Roke Manor Research Building a Vision of Retail Technology in the 21st Century Retrieved July 29th from http://www.roke.co.uk/download/brochures/Retail_ Technology_Vision_for_the_21st_Century.pdf - 12 - VoGo Mobile Vouchers and the VoGo Marketing Platform Business Milestones Customers There are 3 sets of customers for our vouchers system. The 2 main customers which we are focusing on are the: consumers (public) clients (retail stores) and also corporate clients as vouchers/gift cards are increasingly being used as employee incentive and reward schemes. However we are focusing on the retail clients and consumers as our target markets in this plan. It is important to consider these customer segments as separate from each other in order to gain segment leadership and meet customer needs more precisely. However retailers will promote their own vouchers and vouchers systems but where possible we will encourage them to further divide into social, cultural and demographic group for targeting. Men for example spend a lot more than women when purchasing vouchers. Business Model There are 3 main approaches, which VoGo can adopt for its business model: Standalone Company License our system to other voucher companies - 13 - VoGo Mobile Vouchers and the VoGo Marketing Platform Partner with mobile operator or existing company. As an m-business it is felt that VoGo could maximise its strength and overcome rivals through association with a mobile network service provider. This association would reinforce the brand and provide access to resources and information. Other such collaborations and affiliations would also offer a reinforcing element to the brand, product and service. However the business model being adopted by VoGo would be for the company to act as a standalone company and collaborate and associate strategically as needed with 3rd parties and external organisations. Through this flexible approach to the market VoGo would act as a third-party voucher supplier and m-Marketing provider for retail establishments. This will help VoGo to maximise our revenue from the system. A strong marketing campaign will assist VoGo in crossing the chasm into the early majority group of clients and customers. Revenue Model We anticipate that our maximum revenues would come from the customers buying the vouchers and the clients sending their own marketing campaigns. M-Vouchers Revenue Model Description Investing stagnant voucher revenues Investment Model Holding monies in high interest accounts until used Pay-Per-Purchase Recurring Flat Fee Subscription Advertising Model/Clickthrough rates Charging a delivery fee to the initial buyer Charging the retail outlets/companies once annual fee to be a part of the system Charge retailers for advertising opportunities Charge retailers to send out their own marketing Pay-Per-Use/Pay-Per-SMS campaigns Provide different levels of marketing campaigns and a corresponding price range Revenue Sharing Model Collaborations and affiliations - 14 - VoGo Mobile Vouchers and the VoGo Marketing Platform Running of competitions as part of the marketing Premium Rate SMS and promotional campaigns allowing consumers to text a premium rate number to enter. Using this thinly spread but effective revenue model, it allows us to charge each section of the value chain instead of forcing all the charges onto just a couple of areas. By providing add-on modules and different packages it provides a more customised and tailored approach for the clients. By offering more tailored services it is possible to command more revenue for higher quality of service. Risk Assessment and Evaluation Industry and Market Risk There is no risk of the retail market itself disintegrating There are already several other voucher systems in use – paper vouchers, bonus bonds, self printed credit notes, gift cards… etc. Many of these vouchers systems are out of date and lack tracking facilities, however there presence as an already established substitute is still a considerable risk. Gift cards are a more modern voucher system that has been introduced recently; the reluctance of the public to change could be a high risk for the VoGo product Strategy Risk The VoGo group has general theoretical familiarity with m-Commerce, mobile technologies and the mobile markets. This lack of familiarity present a medium risk to the company however this would be over come through collaboration with external consultant or experts in the in the Invent facility on the Dublin City University on campus. VoGo also intends to examine carefully the strategy and approaches taken by companies introducing mobile concepts into other countries such as Japan, China and the USA. Operational Risk The database system needs secure and robust. The system needs to be able to handle more than several transactions at once. There cannot afford to be mistakes or chances of the system going down. - 15 - VoGo Mobile Vouchers and the VoGo Marketing Platform It is importance that there is a faultless recovery system in place and sufficient backup in the case of disaster. The strict guidelines for data protection means that the system should not allow marketing communications to be sent to those that have not opted in. Technology Risk There is substantial technology risk, in today’s modern era of technology many of the new technologies and innovations by the time they have been commercialised and reached the market have been superseded and are already obsolete. As new, faster technologies have been created and are already in the commercialisation pipeline. If a new wave of innovatory and disruptive technology hits then there is a risk that a new medium for communication could evolve and thus a new medium for voucher transmission could be introduced and mobile phones and SMS messaging may no longer be a viable means for m-Voucher distribution. Financial Risk The retail market will always be in existence. Certain economic changes such as a depression, inflation and seasonal changes could affect the levels of vouchers purchases. With the return on each individual voucher an important source of revenue for VoGo the downturns in the economy could heavily affect the company creating financial risk. Insufficient security protocols on the system could pose severe financial risk to VoGo. It is important that the system is stringently monitored and that there is no fraudulent activities such as overcharging and no unauthorised access or amendment to data, transactions and monies. Growth Strategy Phase One: Market Entry VoGo will target the six main department stores in the first year: Arnotts, Clearys, House of Fraser, Brown Thomas, Shaws, Roches Stores. Getting the large department stores on our system is crucial for future expansion. The larger stores can take more risk than the smaller stores as they have greater access to funds and can absorb losses easier than the smaller stores. - 16 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo will also target new stores setting up as they try to differentiate themselves from existing stores and build awareness for their stores. Phase Two: Expansion After getting as many of the six large department stores signed up to our system as possible it is hoped that many of the smaller high street stores will follow. The smaller stores will have confidence in the system after seeing it work for the larger stores. VoGo will also be able to use results of Year 1 m-marketing to attract smaller stores Future: Many of the high street and indeed House of Fraser have stores overseas in both Great Britain and on the continent. The future sees VoGo extending its service to these areas - 17 - VoGo Mobile Vouchers and the VoGo Marketing Platform Future Trends and Developments Case Study – Japan forerunner for mobile phone trends The VoGo m-Voucher concept at present although it has large scope appears very simple and possibly small scale to someone unaware of the recent explosions in the mobile market. In Japan there has huge success with the concept of “Mobile Phones Replacing Wallets, Keys, Credit Cards” 8 Figure 2: Osaifu - Keitai9 Japan is a country over run with vending machines. Vending machines there vend anything from fresh produce such as meat, eggs and vegetables to fishing bait, beetles or porn. Vending machine payments have become one of the many technologies incorporated into more modern Japanese mobile phones. “Some cell phones even have the capability of being used as debit or credit cards and can be swiped through most checkout lines to buy everything from masacara to jet planes, as more and more companies offer catalogs for cell phones”10 8 Johnson, T 2006 ‘In Japan, Mobile Phones Replacing Wallets, Keys, Credit Cards’ Retrieved July 29th, 2006, from http://www.govtech.net/digitalcommunities/story.php?id=99325 9 Osaifu – Keitai [Image] Retrieved July 27th, 2006, from http://www.nttdocomo.com/index.html 10 Japanese Mobile phone Culture Retrieved July 28th, 2006 , from http://en.wikipedia.org/wiki/Japanese_mobile_phone_culture - 18 - VoGo Mobile Vouchers and the VoGo Marketing Platform Another trend in Japan is to use the QR codes which are basically a type of 2D barcode. By scanning these barcodes using the mobile phone handset the information can be accessed. These current trends is most generally used for advertising and the barcodes are positioned on Posters, Magazine/Newspaper advertisements and business cards. The barcodes usually direct the user to a website or some web content. Figure 3: RFID/Keitai Vending Machine11 Sony in collaboration with NTT DoCoMo have been pioneering the Concept of “Mobile Phone Wallet technology” 12 which has become known as “Felica” and also “Osaifu- Keitai”. The way this cutting edge technology works is through the use of a RFID chip inside the mobile phone handset. Users top-up their phone with credits and then can swipe their phone at specially designed readers positioned at cash desks deducting payments. 13 Figure 4: Osaifu - Keitai14 11 RFID Vending Machine, Retrieved July 27th, 2006, from http://anil.recoil.org/gallery/2005/09/12/index.html 12 Japanese Mobile phone Culture Retrieved July 28th, 2006 , from http://en.wikipedia.org/wiki/Japanese_mobile_phone_culture 13 Japanese Mobile phone Culture Retrieved July 28th, 2006 , from http://en.wikipedia.org/wiki/Japanese_mobile_phone_culture 14 Osaifu – Keitai [Image] Retrieved July 27th, 2006, from http://www.nttdocomo.co.jp/english/service/imode/osaifu/id.html - 19 - VoGo Mobile Vouchers and the VoGo Marketing Platform In Japan the mobile phone has become a driver of mobile phone technology evolution, phones have been developed to incorporate some of the newer payment options created for mobile phones. - 20 - VoGo Mobile Vouchers and the VoGo Marketing Platform Future Trends for Mobile Technology NTT DoCoMo is not only “Japan's premier mobile communications company, but also an influential force in advancing mobile communications technology” 15 as well as one of Japans leading research facilities for Mobile Technology. There dream is to “create a broad array of exciting new services − services that will bring undreamed-of convenience to people everywhere” 16 . They are actively attempting to make certain aspect of 4G such as MIMO (multiple input multiple output) a reality and part of everyday life. They have several projects which are dreams in the pipe line so to speak but they highlight some of the heights of mobile technology that we may experience in our lifetimes. ~ Finger Whisper Finger Whisper is most easily explained as a real life ‘Inspector Gadget’ phone, it incorporates the hand as part of the phone. It is being developed in the NTT DoCoMo’s Yokosuka Research & Development centre. This system uses the bone in the hand and wrist to conduct sound and act as the mobile phone ear-piece. Figure 5: The Concept of Finger Whisper17 15 Retrieved July 27th, 2006, from http://www.nttdocomo.com/about/company/index.html 16 Retrieved July 27th, 2006, from http://www.nttdocomo.com/technologies/future/index.html 17 The Concept of FingerWhisper [Image] Retrieved July 27th, 2006, from http://www.nttdocomo.com/technologies/future/finger/index.html - 21 - VoGo Mobile Vouchers and the VoGo Marketing Platform ~ Mime Speech Recognition The Mime Speech Recognition concept will eliminate the noisy people who talk on their mobiles in public places disturbing the peace. The intention of this system is to utilise the physiological data provided by muscle activity during regular speech (electromyography) and converted into speech on the other end of the phone line. Figure 6: The Concept of Mime Speech Recognition18 This sort of technology will allow for mobile phone use in noisy environments or environments that require people to remain silent as electrodes on the hands are used to pick up the, facial muscle movements 19 . 18 The Concept of Mime Speech Recognition [Image] Retrieved July 27th, 2006, from http://www.nttdocomo.com/technologies/future/mime/index.html 19 http://www.nttdocomo.com - 22 - VoGo Mobile Vouchers and the VoGo Marketing Platform 3 ~ Marketing Analysis and Sales Plan Mission Statement The VoGo group believe that customers deserve high quality and safe voucher systems that allow them to shop easily and securely. With the VoGo m-Vouchers and m- Marketing our intention is to offer a system that is easy to use, secure and highly beneficial for both the consumer and retailer. Providing both highly targeted marketing facilities, key consumer data and better quality service. In addition, the VoGo group is committed to researching and creating new innovative approaches to the mobile phone and it’s various additional uses. We believe that Ireland is lagging behind in its day-to-day technology with extremely low broadband and Internet rates, yet high Mobile phone rates. At VoGo we want to be the catalyst that will enhance the uses of these everyday technologies in Ireland and elsewhere. Our key objectives at present are the promotion and enhancement of our m-Voucher and associated technology. Our key objectives for the future are the research and creation of cutting edge technologies to promote the use of the mobile phone as a virtual wallet and virtual information and data storage device. Internal Audit Organisational Assets ~ Financial Assets VoGo intends to gain funding from enterprise Ireland or other funding sources due to its innovative nature and concept. The VoGo team also intend to provide personal funding to assist with launching the product. - 23 - VoGo Mobile Vouchers and the VoGo Marketing Platform ~ Physical Assets VoGo has no physical assets at current, as the business grows and becomes more and more successful it is intended that VoGo will gain some physical assets. Despite this VoGo will have access to the facilities at Dublin City University, this will provide substantial facilities and access to resources. ~ People Assets VoGo has strong connections with Dublin City University and will have access to the expertise and extensive collective human knowledge and experience present in the many people there. The VoGo team itself has extensive educational and professional experience and backgrounds both here in Ireland and abroad. [See section Appendix 1.5 CVs – Educational and Professional Experience] All of the team have 3rd Level and Masters level qualifications across computer science and applications, engineering and also professional experience in retail, system development and IT. The 2 complementary sources of resources and knowledge provide VoGo with a strong foundation in their people assets. ~ Legally Enforceable Assets At present VoGo have no legally enforceable assets at present – as the system is finalised and perfected it is intended to copyright the code and obtain patents for the proprietary technologies created. Marketing Assets ~ Customer Based Assets It is intended for customers to perceive VoGo as an innovative, hi-tech company yet customer oriented and friendly company. With VoGo being a disruptive technology for the voucher market it is important that it is perceived the customers aren’t afraid of the technology. Affiliating with companies and organisations that already have strong and established brands will strengthen the VoGo brand and reinforce the m-Voucher product with the customers. This help VoGo to gain higher margins and revenues through the quality and added value gained through affiliations. By being first to market with a strong reinforced brand will give VoGo advantages in the market with distribution and positioning. It is intended that with VoGo’s constant innovative mindset more unique services will be added enabling VoGo to maintain its distinctiveness in the market. - 24 - VoGo Mobile Vouchers and the VoGo Marketing Platform ~ Distribution Based Assets The instant distribution of the product is a huge selling point for the VoGo mVoucher. There is instant or very short waiting time for the product to be delivered unlike conventional vouchers there is no collection required and no delivery to wait for. The ideal situation for the distribution of the m-Vouchers is for them to be used and to be redeemed in large retail stores and be part of the centre wide voucher system of large outlets and malls as this provides the consumers with the greatest level of flexibility. ~ Internally Based Assets The cost structure being adopted by VoGo as previously mentioned in the revenue model will spread the costs across all sections of the value chain. With such a cost structure it should all VoGo to avoid competitive price destruction and offer reasonable prices to all sections. "Gift cards are low-overhead, high-return products "20 as reported by FEXCO, with m-Vouchers cutting out the need for expensive plastic cards, giving the VoGo an advantage over the existing player in the market. As an already innovatory concept and company, the intentions of VoGo are to constantly and continuously research and understand the ever-changing markets and update and improve the system maintaining our innovatory advantage by supplying new functions and features. ~ Alliance Based Assets Through the employees at VoGo they have many links with several Universities and 3 rd level institutions regarding research, data access and information. As a company based in DCU VoGo has access to the many facilities, resources and expertise on campus – The Invent Centre on the DCU Campus and Enterprise Ireland with which they have strong links. Here there is access to information and expertise such as entrepreneurships, innovation, legal and strategy advice. It is felt that the services supplied by Invent will be sufficient to aid VoGo to successfully commercialise and market with the m-Voucher product 20 FEXCO Launches Electronic Gift and Spending Card Solutions 2005, Retrieved July 27th, 2006 from http://www.fexco.com/viewnews.php?id=94 - 25 - VoGo Mobile Vouchers and the VoGo Marketing Platform ~ Company/Team Assets The expertise of the VoGo team is higher educational qualifications, significant expertise and experience in the business, retail, programming, computer and ecommerce environments and industries. Along with strong skills and first hand experience of professional and retail environments, the VoGo group have a highly innovative outlook and awareness of trends and culture SWOT Analysis ~ VoGo m-Vouchers Strengths Uses existing technology, there is high mobile phone penetration in Ireland of 102%21 and it is increasing year on year. High portable and is with you the majority if the time Easy to send gifts from the comfort of your own home direct to the intended recipient. Useful for last minute gifts Quick, efficient, time-saving and waste saving Easy to redeem the voucher via the barcode and serial number – useful for offline and online redemption – redemption method the same as traditional vouchers Increased security - easy to cancel vouchers in the case of phone theft, reduction in the use of stolen vouchers and fraud - "Security is another attraction. Plastic gift cards can be registered, so that if the card is lost the reward is not, which also reduces the opportunity for theft."22 Easy to replace deleted or lost vouchers similar to gift cards – via the online mVoucher portal Trackable Self-service element – vouchers and status can be viewed online – provides a reduction in time spent in voucher administration. 21 http://www.comreg.ie Robertson, J 2005, ‘BUYER'S GUIDE: Motivation Vouchers’, Employee Benefits, Dec 7, 2005 p51, Retrieved July 15th, 2006, from Business & Copmany Resource Center 22 - 26 - VoGo Mobile Vouchers and the VoGo Marketing Platform Cut costs of issuing vouchers - no printing Increase response and redemption rates from customers Driver for customer purchases and purchases higher than the face value of the gift card “More than 20% of consumers spend more than the initial face value of their gift card, and those who do, spend nearly twice as much (90%)”23 Weaknesses People that are unable to use or correctly operate their phones and maximise functionality may not be able to understand the VoGo system and use the service efficiently. May exclude a section of the population. Mass update of store systems required – the biggest obstacle Lack of consumer familiarity, may turn people off using the product Opportunities Provide marketing information and m-marketing opportunities Increased customer spending Quicker Redemption Better voucher tracking and use of information Threats New entrants Better voucher tracking and use of information Existing companies of which there are several, many companies are dealing in coupons and some to a lesser extent in m-Vouchers and m-Reward/Loyalty Cards Traditional vouchers, paper and gift card maybe easier for some people to use. Ahead of its time New technology that brings about the obsolescence of the mobile as a virtual wallet or info holder 23 Electronic Gift Card Trends and Analysis Retrieved July 13th, 2006, from www.opticard.co.uk/pdf/Trends_UK_Mar_Final.pdf - 27 - VoGo Mobile Vouchers and the VoGo Marketing Platform SWOT Analysis ~ VoGo Marketing Platform Strengths Tailored marketing campaigns for stores based around information collected from the voucher purchases and users Customer profiling Highly accurate and targeted promotions and advertising Weaknesses Data protection laws may make it difficult to obtain information and details and communicate with customers. Stores may not want to disclose extra information to us for the marketing platform Opportunities Improve customer service as the vendors are better informed Real-time marketing possibilities – attracting people to the store in an instant as something is happening Increase store revenues and customer satisfaction with customised promotions and information Threats New marketing possibilities on other mediums could take over and make mMarketing redundant Possibility that vendors may plague customers with marketing texts which becomes more annoying than beneficial Retailers should only be able to contact people in line with data protection and opt-in/opt-out laws - system needs to be operational legal and secure – as fines are €3000 per illegal communication. - 28 - VoGo Mobile Vouchers and the VoGo Marketing Platform External Audit Structure of the external environment Macro Micro Environment Economic environment Competitive environment Socio-cultural environment Technological environment The Organisation Ecological environment Industry environment Political Environment Customers Figure 7: Elements of external environment 24 Economic Environment: Over the last 10 years, Ireland has experienced a high level of growth. People have a high level of disposable income and as of the end of 2005 mobile phone penetration was at 102% 25 . The ERSI (The Economic and Social Research Institute) in Ireland predicts strong growth levels to continue into next year: “Strong economic growth will continue in 2006 with GNP forecast to grow by 5.1 per cent and GDP forecast to grow by 4.8 per cent. For 2007, we are forecasting GNP growth of 5.3 per cent and 5.1 per cent for GDP.”26 Customers: Customer centred industry where success of mobile operators is measured on number of customers. VoGo will be also measuring our success on the number of customers 24 Blythe, J 2003, Elements of the External Environment from Marketing Strategy McGraw Hill, London 2003 25 www.comreg.ie 26 www.ersi.ie - 29 - VoGo Mobile Vouchers and the VoGo Marketing Platform recruited, retained an also the rate at which customers are replaced. Users of VoGo voucher system, e.g. shops, department store, will be interested in the number of customers we attract to our site as this will directly influence the number of customers we can get into their shops. Competitive Environment – who are the suppliers and customers???? Porter’s 5 forces model allows us look at all the competitors in the external environment. It allows us to assess the attractiveness of entering the marketplace. Threat of new entrants Bargaining power of suppliers Competitive Rivalry in Industry Bargaining power of consumers Threat of substitutes Figure 8: Porters 5 Forces Threat of new entrants Once shops are set up on our system the switching costs will be quite high for them to move to another m-voucher operator, as there would have to be a transitionary period between old and new systems. The cost of technology for an m-voucher system is quite substantial due to advertising, development and maintaining. Once VoGo is up and running, we hope to get the large stores in Dublin on board. Once they are on board it will be very difficult for a new entrant to establish a presence in the market, as most of the big targets will be gone. To conclude the threat of new entrants is a medium/low risk. Bargaining power of suppliers The suppliers to the VoGo system are the SMS service, the credit card clearing merchant services and any other services we may outsource in the future. There are many suppliers specialising in the area of message sending and credit card clearing so the suppliers bargaining power would be relatively low. The switching costs are also low. - 30 - VoGo Mobile Vouchers and the VoGo Marketing Platform Threat of substitute products and services The direct substitutes for our system are paper vouchers and gift cards The VoGo system offers product differentiation to these with the increased security and maintenance via a web account. Other substitutes would be online gift shopping. VoGo in the future would hope that the m-voucher could be redeemed on store’s online shops as well as in stores. Customers might prefer to buy a voucher as a gift as it allows the recipient pick a gift also from the comfort of their own home. Rivalry among current competitors M-vouchers/ticketing has only been used for events such as concerts, festivals etc. The rivalry is low at present as there are few competitors offering mobile solutions systems. The m-commerce arena is predicted to grow rapidly over the next few years with rivalry among competitors increasing also but by entering the m-commerce m-voucher arena early, VoGo will have many advantages over subsequent entrants. Bargaining power of customers VoGo have two customers, the stores and the user who wishes to purchase a voucher online. The stores have a high involvement in the purchase of the system as certain elements of the system must be tailored for stores preference e.g. max value of voucher for purchase, where voucher can be redeemed, expiry date, m-marketing options etc. At present there is no other company providing an m-voucher system for stores. If stores wish to increase their customer base and engage in more effective marketing it is necessary that they become involved in some aspect of m-commerce. The stores have a medium bargaining power. The online customer at present has no option to buy mvouchers for department stores so their bargaining power would be low. There are many online customers so an individual customer would have a low bargaining power. Political and Legal Environment – VoGo will be subject to both Irish and EU laws. We will be careful to adhere to the Electronic Commerce Regulations and Data Protection Act 2002. Also we will be careful with our opt-in/opt-out options to ensure that customers are aware as to what they are consenting to. - 31 - VoGo Mobile Vouchers and the VoGo Marketing Platform The political environment at the moment supports new technology and is keen to increase broadband penetration rates in Ireland. The government is keen that Ireland be at the forefront of technological developments. Technological Environment – Mobile Phone Technology – There are over 4 million subscribers to the 2G and 3G networks in Ireland spending on an average €47.60 per month. In the fourth quarter of 2005, the number of MMS (multi media messages) messages sent grew to 6.8million27. This familiarity with MMS messages is important for our product as eventually the barcodes will be sent via MMS. Below is a graph of mobile phone penetration throughout Europe. Figure 9: European Mobile Phone Pentration28 27 www.comreg.ie Irish Communications Market: Quarterly Key Data– March 2006 [Image] Retrieved July 10th, 2006 from www.comreg.ie 28 - 32 - VoGo Mobile Vouchers and the VoGo Marketing Platform Socio-Cultural Environment – Based on the 2002 Census results (2006 results will be available early 2007, preliminary results show that the population has increased by 8.1% on 2002 results), 14% of the population were in the 5-14 age bracket, 16.4% of the population were in the 15-24 age bracket and 15.8% were in the 25-34 age bracket 29 . This means that approx 46% of the population will be in our target customers. Ireland has the second highest per capita income in the EU and the fourth highest in the world (based on 2004 levels).30 Ecological Environment – Fears over mobile phone radiation and its impact on human health have been disproved by a number of leading organisations. The World Health Organisation has a number of articles detailing research by a number of independent research bodies31. One quote from an article from the Agence Francaise de Securite Sanitaire Environnementale states that: “Epidemiological work and especially the recent work on the effects of exposure to the waves emitted by mobile telephone (terminal) antennas does not lead to the conclusion that they are harmful, in the light of present knowledge.” 32 From another point of view, the use of m-vouchers will reduce the need for paper vouchers this helping the environment by reducing paper production and waste. 29 www.cso.ie Economy of the Republic of Ireland Retreived July 18th, 2006 from http://en.wikipedia.org/wiki/Economy_of_the_Republic_of_Ireland 31 www.who.org 32 Agence Francaise de Securite Sanitaire Environnementale 2005 Retrieved July 18th, 2006 from http://www.who.int/pehf/project/mapnatreps/afsse_opinion_mobile_telephony .pdf 30 - 33 - VoGo Mobile Vouchers and the VoGo Marketing Platform Competitor Analysis Regisoft Since its foundation in 1999, Regisoft has expanded to all continents with offices in Europe, North America, Latin America, Australia, Israel and Asia Pacific. Its main product is called the World Trade Server (trademark), which is an m-commerce application platform. Regisoft has many products including Mobile Marketing, Interactive Services, Mobile Ticketing, Personalised Mobile Content Distribution, Loyalty Programs, Mobile Parking, and Top up Solutions. Regisoft signed a partnership with NewGenPay in June 2006, to develop a platform for a mobile payment system. They have also partnerships with Ericcson Thailand, Sun and IBM.33 I-Movo I-Movo Ltd. is Conchango Ltd. Company. Conchango deal with technology driven solutions for business and have offices in London, Boston and New York. I-Movo was set up to develop a mobile solutions platform for delivery, redemption and measurement. In January 2006, they launched a scheme whereby mobile phone users got free texts if they agreed to watch advertisements on their phones. They have also been involved in deals with entertainment network Inspired for a free drinks promotion and TS3 Interactive for m-voucher scheme.34 Mobiqa Mobiqa with its headquarters in Scotland was established in 2002. Since then the company has grown at a rapid pace and in 2005 Real Magazine listed it in the ‘Top 50 to watch in mobile’. Their products include mobi-ticket, mobi-pass, mobi-coupon and mobi-rewardcard. In the past their strategy has been to work with coupons for one off events such as concerts and festivals. As of yet they have not launched a m-voucher system for any retailers in the UK. Mobiqa would be our closest and potentially most damaging competitor as they have built a name for themselves in the industry. However, through building our client base in Ireland with shops that may also have 33 34 www.regisoft.com www.i-movo.com - 34 - VoGo Mobile Vouchers and the VoGo Marketing Platform retail units in the UK we hope top minimise their threat.35 Púca Púca are a company providing marketing services and intereactive relationship management through the mobile phone. Púca has their headquarters in Dublin I Ireland with offices in the United Kingdom and across China. They have several products in the market Púca Mobile Service Platform, Púca Studios, mServe and TxtLink. Púca was founded in 2000 and has some very successful innovatory mobile marketing campaigns, providing an array of services and applications across both Corporate and Public Sector markets. Some of there most successful campaigns to date have been: “Spin 103.8 SMS Radio Promotions: Dublin's most popular youth radio station choose Púca as their exclusive SMS service provider.” “Coke Red Collection: Coke Red Collection is one of the biggest SMS loyalty promotions carried out to date in Ireland.”36 Return2Sender Return2Sender has been a successful m-marketing company since 2001 and has completed a number of successful and award-winning projects for a wide array of companies and brands since its launch. Vodafone Brown Thomas Budweiser MacDonalds Unilever And many more… Based in Temple bar in Dublin city they have 4 years of successful experience in mobile marketing. Has been the “Winner of successive campaigns that have won the best use of Mobile Marketing award in the sales promotion awards; (2003, 2004, 2005, 2006)”37 35 36 37 www.mobiqa.com www.puca.ie www.return2sender.ie - 35 - VoGo Mobile Vouchers and the VoGo Marketing Platform Industry and Markets Industry Analysis Jupiter Research 2004 predicted the following figures for global m-commerce revenue projections for 2009: Category Value (USD) Global revenues 88 billion Ticket purchases 39 billion Phone-based retail POS sales 299 million Figure 10: Source - Juniper Research, August 2004 38 The phone based retail POS sales are the largest predicted sector of the m-commerce industry and this is the sector that VoGo would fall under. Datamonitor also show that all type of businesses dramatically increased their spending on mcommerce equipment over the 2000-2002 period and this figure will only rise in the future. Year Total (USD) 6.000 2000 $280 million 5.000 2002 $3.66 billion 2004 $5.14 billion 4.000 3.000 2.000 1.000 0.000 2000 2002 2004 Figure 10: Business Spending On mCommerce Equipment and Integration: Source: Datamonitor 39 38 Statistics for Mobile Commerce Retrieved July 12th, 2006 from http://www.epaynews.com/statistics/mcommstats.html 39 Statistics for Mobile Commerce Retrieved July 12th, 2006 from http://www.epaynews.com/statistics/mcommstats.html - 36 - VoGo Mobile Vouchers and the VoGo Marketing Platform A study in 2004 carried out by Oxford University in the UK and ActiveMedia technologies showed that 58% of people asked were happy to receive m-coupons, which the study predicts, would be worth £11bn to businesses in the EU. 40 Actual Market Size & Potential Market Size The mobile phone penetration rates were reportedly 102% in 2004.41 This means that VoGo’s targeted recipient base is approx 4million people. In Jan-Feb 2006 Amarach consulting carried out survey of 1,000 adults aged 15-74 in Ireland on behalf of ComReg. With respect to Internet connections they found that 4 in 10 people have an Internet connection at home with 44% penetration in 15-24 age group. They also saw an increase in the number of people with Internet access at home, up on their 2004 figures. OECD Broadband Statistics 2005 OECD Broadband subscribers per 100 inhabitants, by technology, December 2005 30 DSL Cable Other 25 20 15 OECD average 10 5 Ic ela nd Ne Ko th rea er la n De ds Sw nm i tz a r er k la n Fi d nl an No d rw a Ca y na Sw da ed e Be n lg iu m Un J ap i Un ted an i te Sta d Ki te s ng do F m Lu ra x e nce m bo ur Au g st Au r ia st r G alia er m an y Ita ly Sp ai Ne Por n w tug Ze a l al an Cz d e c Ir e la h Re n d pu Sl H bli ov un c a k ga R r y ep ub Po lic la n M d ex ic o Tu rk e G y re ec e 0 Source: OECD Figure 11: OECD Broadband Subscribers Dec 0542 www.giftvouchershop.ie – online voucher shop whereby vouchers are posted out and can be used in a number of retailers throughout Ireland 40 UK Consumers Embrace m-Coupons 2004, Retrieved July 12th, 2006 from http://www.pressbox.co.uk/Detailed/14722.html 41 www.comreg.ie 42 www.oecd.com - 37 - VoGo Mobile Vouchers and the VoGo Marketing Platform A report by them in 2004 estimated that the Irish gift voucher market was worth €250million that accounted for 10% of the entire gifting market of €2.5billion. On their site the average spend in 2004 was €78 with department stores accounting for 60% of purchases.43 www.fexco.com - global payments company Based on their annual Consumer Insights Survey, they predicted that the Irish gift voucher market would be worth €1.5 billion over a three-year period, from 20052008. Thus valuing the market at €500million per annum. 44 (Geographic and Demographic Segmentation) It has been chosen to focus the market for the VoGo m-Voucher and m-Marketing Platform to the Irish market, for the purpose of this study. The whole shopping “experience has changed dramatically over the past 20 years. In the 1980s, individuals has less disposable cash and were more price sensitive than brand-aware.”45 Ireland has become more and more focused on material goods and brands. The increasing number of supermarkets, department stores and shopping malls all emphasise this along with the large number of American and European stores have begun to flood the Irish retail market - Pull n Bear, Zara, H&M, Tommy Hilfiger etc. With these trends evident as well as so much choice, rapidly changing fashion and people becoming more selective about styles and brands, vouchers are often a terrific gift idea for those looking to buy a gift for the modern consumers. 43 44 45 www.giftvouchershop.ie www.fexco.com Kinsley, P 2005 ‘Subtlety is the Key to unlocking brand power’ Irish Times - 38 - VoGo Mobile Vouchers and the VoGo Marketing Platform High Technology Markets The Markets for the VoGo mobile voucher system rely heavily on successful and satisfactory adoption by the Innovators and Early Adopters. Innovators 2.5% Early Adopters Early Majority Late Majority Laggards 13.5% 34% 34% 16% Figure 12: Crossing the Chasm to New Product Adoption Early adoption of VoGo by the technology savvy shoppers is fundamental in the success of the VoGo mobile vouchers platform. Attracting the Innovators and Early Adopters is extremely important as their vote of confidence so to speak and endorsement reassures other consumers of the quality and viability of the VoGo voucher system. As commented on by survey respondents – ‘word of mouth’ and good customer experiences will be important. These being the most interested in new technology and its applications will explore the system in its greatest detail and see the true benefits and flexibility provided by the marketing platform. Successful attraction of these psychographic groupings, followed by retention of their custom through provision of top quality service before during and after redemption of their vouchers will provide the market stability to progress to the Early Majority. Crossing the Chasm It is important to maximise the uptake in these key and maximise the spread of positive feedback and reinforce the VoGo Product and brand through strategic promotions, maintaining constant interest in the product. • Newcomer attraction and loyalty promotions and deals • Affiliates or strategic linking with high quality brands or services. • Steak and sizzle promotions and marketing would work well in all categories but especially in the earlier stages. - 39 - VoGo Mobile Vouchers and the VoGo Marketing Platform Not as much promotion or marketing will be needed in the late majority and laggard stages. It is important for VoGo to focus on quality of services and products at the start, customising and adding useful personalisation options as opposed to offering many not so necessary functions and features Being a high technology product the markets will however not be the typical high tech types. We would expect the market to be mainly made up of: • Young, Trendy, Tech savvy people • 16-25, 25-35, students, teens and young professionals and young adults. • Buyers and User both with a level of technical knowledge for computers, the Internet and mobile phones • Enjoyment of retail and value added retail features and the modern retail experience e.g. shopping online. Loyalty in the online market is becoming increasingly frail therefore • Ease of use • Security • Safety • Trusted and ease of payment Will all be necessary features to maximise the VoGo group’s ability to cross the chasm of new product adoption. Market Drivers Miniaturisation Increasing mobile phone penetration Little development of advanced services and features Mobile phones – are no longer just a communications device: they are a Fashion item, Miniature PDA/Office tool/Pocket PC, Music Player, Camera etc. The evolution of m-Technologies can be seen in Figure 13, the gradual evolution has lead to the development and creation of new technology and uses for the mobile phone as more than just a communication device. - 40 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 13: Mobile Trends Enabling Technology46 The mobile phone handset as personal trusted device, there is a trend towards using mobile phones as more than just mobiles, as remote controls, as a means on controlling functions in your home from a far or as a virtual wallet, For example: A) David Fox was the winner of the Motorola-Nextel Developer Challenge. In 6 hours he designed and wrote a program that allows user to control lights and various other electronic appliances around the home all through a mobile phone handset.47 B) “Some 20 million Japanese now have newer cell phones with embedded circuitry that can function as rechargeable debit cards, credit cards or commuter passes. An 46 Preparing for the mCommerce Revolution – Mobile Payments 2002, Retrieved July 29th, 2006 from http://www.epaynews.com/downloads/mpayment_paper.pdf 47 Fox, D 2001 Home Monitor on a Cell Phone Retrieved July 29th, 2006 from http://www.oreillynet.com/pub/a/wireless/2001/07/23/monitor.html - 41 - VoGo Mobile Vouchers and the VoGo Marketing Platform electronic reader in vending machines, turnstiles and store registers beam waves that read the circuits and deduct what's due.” 48 Market research results and deductions In examination of the retail consumer [further details see Appendix 1.4 primary market research and research methodology] VoGo’s research has shown that 80% percent of respondents have given some sort of voucher product to another person and 97% of respondents have received some type of voucher product. This research highlights the substantial size of the vouchers market in general. 93.5% of respondents actually like to receive vouchers either some of the time or all of the time., reinforcing the previous point. Gift cards have been an extremely successful addition to the voucher market providing the customer with a better voucher product and the stores with a traceable voucher product. In an attempt to discover why they have been so successful the primary research looked at what features are the ‘bonus’ features for customers. 100.00% 90.00% 80.00% 66.10% 70.00% 54.80% 43.50% 60.00% 50.00% 40.00% 22.60% 30.00% 20.00% 10.00% 0.00% Top-up Don’t spend all at once No Expiry Date 48 More Portable Johnson, T 2006, In Japan, Mobile Phones Replacing Wallets, Keys, Credit Cards Retrieved July 29th, 2006 from http://www.govtech.net/digitalcommunities/story.php?id=99325 - 42 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 14: Most Beneficial Features of Gift Cards From this research it has been possible for VoGo to incorporate these successful features into their m-Voucher product Some of the comments for improvements to existing or new vouchers systems mentioned the following: From the primary research conducted one of the most common comments was that the m-Vouchers be available for use in a range of shops or shopping centres. As mentioned in the marketing mix the aim for VoGo is to be accepted by shopping centres and large department stores and retail outlets, a wide range of shops provides customers with increased amounts of flexibility. The concept of topping up online, without having to go to the store itself is a concept that is appealing to potential users of the VoGo m-Vouchers. The concept of topping up gift cards has been one of their successful features as it gives the consumer added flexibility and allows them add to vouchers of low or trivial amounts. There is also the added possibility of being able to top up for friends/family as gifts, this idea is already in existence whereby mobile phone users can text to top-up theirs or someone else’s phone credit and many people now top-up as gifts for friend’s and family. Vouchers that could combine/contain coupons as well as the voucher, amalgamating them into one easy to use item would be extremely useful for consumers. This would be something ‘in the pipeline’ for VoGo, a project for future development after the successful launch of the voucher product. The majority of people (92%) questioned felt that the m-Voucher concept and scenario could be a beneficial addition to a voucher product. The majority (79%) of people also admitted that they have at some stage found them selves buying something and paying cash knowing they have a voucher somewhere i.e. at home. 65% of people felt that they would use their vouchers quicker and possibly spend over the redeemable voucher value (88%) if their voucher were in the form of an m-Voucher and present on their mobile phone. In the analysis of the target age groups for the m-Vouchers respondents were questioned as to which age-groups they could see themselves purchasing the VoGo m-Vouchers for. - 43 - VoGo Mobile Vouchers and the VoGo Marketing Platform 100.00% 83.90% 90.00% 80.00% 69.40% 58.10% 70.00% 60.00% 51.60% 50.00% Response 40.00% 29.00% 24.20% 25.80% 30.00% 20.00% 6.50% 1215 1.60% 10.00% 1619 2024 2529 3039 4049 5059 6069 70+ Figure 15: Age-Groups Respondents would Purchase m-Vouchers for 0.00% From this research it is apparent which market and segments are the best to target as the innovators, early adopters and early majority. It is evident that there would be little to no market in m-Vouchers for recipients in the age range of 60+. It is also apparent that the early majority would include all age groups from 16-39 and that the late majority would be expected to include the 12-15, 40-49 and the 50-59 age groups. The public’s response to m-Marketing proposal was also a concept to be evaluated. Many of the respondents (51.6%) were definitely open to the idea of the m-marketing idea and the informational texts and would find them beneficial and 24.2% felt that they might be. 54.8% felt that if the m-Marketing text alerts were highly tailored they would sign up as this would give them greater choice, flexibility and control over what they receive – it would be negative for VoGo to turn customers “inbox used as a marketing dumping facility” [quote from the primary market research results] 100.00% 90.00% 80.00% 70.00% 51.60% 60.00% 50.00% 24.20% 24.20% Response 40.00% 30.00% 20.00% Yes Maybe No 10.00% Figure 16: Respondents that would expect to find the proposed m-Marketing Beneficial 0.00% - 44 - VoGo Mobile Vouchers and the VoGo Marketing Platform From this research we would consider at present the current customer markets to be 16-29 years old and the current client markets to be New start-ups – system can be built into their POS from the start Companies looking to moved from untracked to tracked vouchers Small companies – less of an overhaul [See Appendix 1.4 for survey details] Evaluating Market Strategy There are 3 marketing strategies that our company can follow Niche/Focused Differentiation Cost Leadership We would consider our product a niche pertaining to vouchers and differentiated pertaining to the scope of the vouchers and marketing systems. The Marketing strategy being applied to the VoGo Mobile Vouchers and Marketing Platform is that of a niche market. VoGo deals specifically with Vouchers and Voucher related marketing consumers and clients. As there are minimal competitors at current there is no need for a cost leadership strategy at this stage. Nor is there a need for a cost-leadership in general as a value adding service it should be based on quality of service and meeting client and consumer needs efficiently. In the future the plan would be to adopt a combination strategy combining Differentiation and a Niche Strategy. As the company expands branching out into other area of mCommerce and mobile marketing and advertising applications, ticketing, passes, campaigns etc. - 45 - VoGo Mobile Vouchers and the VoGo Marketing Platform Evaluating Market and Market Segments From our primary research conducted on a cross section of the population it can be seen that the main age groups that people thought they would purchase m-Vouchers for the majority of age groups but the main age groups being: 100.00% 83.90% 90.00% 80.00% 69.40% 58.10% 70.00% 60.00% 51.60% 50.00% 40.00% 29.00% 24.20% 25.80% 30.00% 6.50% 1215 1619 2024 2529 3039 4049 5059 6069 20.00% 1.60% 70+ 10.00% 0.00% Figure 17: Age-Groups Respondents would Purchase m-Vouchers For Conversely these groups would also be the most likely to buy the m-Vouchers. From Secondary research it is been found that the levels of Mobile phone penetration are also inline with this research. Figure 18: Age-Groups with Mobile Phones The age-group depicted by the first pie chart are the demographic group which are most likely to have mobile phones and most likely to use more mobile phone features such as games and internet access etc. It is also this age-group which buy mobile - 46 - Response VoGo Mobile Vouchers and the VoGo Marketing Platform phone add-ons such as ring tones, backgrounds and games. It is this group which will be the main market segment which VoGo will be targeting. Regarding Store segmentation our initial marketing and promotional efforts will be to create, manage and maximise brand awareness. VoGo will aim to target Large department stores with the new m-Voucher approach and also to approach new stores and stores that may not already have a voucher system in place. Marketing Mix Product The product consists of 2 separate but linked entities The VoGo m-Voucher system The VoGo m-Marketing system for clients (stores) ~ M-Vouchers The m-Voucher system is an online system – customised to selling to consumers in the online environment. The functions incorporated into the system are: Purchase and sending of Vouchers to Mobile phones. Creation of a multimedia message that such as congratulations, happy birthday etc, to send with the voucher as an m-Card. Checking of voucher status by owner Resending lost or deleted vouchers by logging into the system and making a request Topping up of vouchers The online site will be the way for the product/VoGo to interact with the customers. From the aspect of customer service they will maxmise on site solutions through presence of FAQs, instructions, help section and blogs/forums ~ M-Marketing The m-Marketing platform will be running in parallel to the m-Voucher system offering targeted and customised marketing, advertising and promotional services to - 47 - VoGo Mobile Vouchers and the VoGo Marketing Platform clients. This system will harvest information from users and purchasers of the m- Vouchers. The data can then me mined by clients and used to: To run reports View statistics Send promotions and advertisements Monitor response rates Provide information to vendors to understand and target customers better ~ Boston Consulting Matrix Examining VoGo using the Boston Consulting Matrix it is expected that the both sections of the VoGo company the m-Vouchers and the Marketing Platform would be star products with high market share and high market growth. As VoGo is going through the growth stages this will be the time for VoGo to create a dominant position for itself. VoGo is expected to remain as a star product through the early adoption and early majority stages of the product life cycle and gradually become a Cash Cow as it reaches the early majority and laggards, and as the product matures. [See diagram - Industry and Markets - High Technology Markets] There does not appear to any identical competitors and not in the Irish market. This provides VoGo with a golden opportunity to take the market by storm and become a market leader. VoGo’s innovative product and design, in an increasingly wealthy and materially driven society makes for strong a competitive position in an attractive market. Price Price will be spread across the majority of sections of the value chain, the only party not being charged is the receiver of the m-Voucher (more details in the revenue model). In this way it provides maximum value for service for all involved. VoGo has a heavy emphasis on quality, service and flexibility, therefore although price is important the functions and features have a stronger focus. - 48 - VoGo Mobile Vouchers and the VoGo Marketing Platform The system would be tailored to the needs of clients (stores) – providing deals on number of texts sent and possible add-on modules or gold and silver packages, starter packs, trial packs to maximise flexibility for the clients. ~ m-Voucher costs Cost for customer to send a voucher (Charge similar or postage and packaging charges) ~ 50c - €1.00 Cost for VoGo - 1 text voucher = 4.4 cent Estimated maximum resend 5 times per voucher = 4.4 - 22 cent. Profits possible ~ 23.6c –95.6c cent profit. Prices depend also expected revenues from advertising fees from retail member subscriptions. ~ Subscriptions There would be a cost charged to each client (store) on an annual basis to be part of the voucher system and/or the m-marketing system ~ m-Marketing packages There would be also be a price for the m-Marketing packages allowing the clients to market and promote to their target audience through the m-marketing portal. The price would vary depending on what level package they are using, and the type and size of message they are sending e.g. SMS/MMS. At VoGo we want to be market leader in the m-Voucher/m-Marketing market, it is our understanding that it would not be off benefit to get involved in competitive price destruction, yet we want to offer a competitive rates. Place The channel to be used to distribute the m-Vouchers is primarily an online sales system. There is no need for a ‘bricks and mortar’ office as the website and portal would be the connection between the customers/clients and VoGo Alternate connections are between clients and customers where customers can redeem vouchers in-store? - 49 - VoGo Mobile Vouchers and the VoGo Marketing Platform The online presence gives VoGo the opportunity to quickly enter markets and have an instant web presence. Use of sales agents or reps to liaise with clients and affiliates will allow VoGo to reinforce the channels of distribution. Collaborating with a mobile network service provider or messaging provider allows VoGo to outsource some of the intricacies and technicalities of message distribution to an external party. In this way they ensure delivery through a quality channel as the providers are experts in this area. Leaving VoGo to focus on the online service and in-house proprietary technologies. Use of external merchant services for payment and authorisation maximises quality and security Promotion “The average person sees an average of 4,000 marketing messages every day” 49 it is important that people are not only aware of our vouchers but also that they are highly aware of our brand. VoGo will be harnessing the advantages of both online and offline advertising, marketing and promotional techniques to create high levels of awareness of the product and brand. ~ Online Campaign Direct marketing and e-Marketing Online advertising through having our own web presence and site, advertising on affiliate sites Online publicity – press releases, online – which is cheap and effective – forums, blogs, online articles ~ Offline Campaign In store/mall promotion is important – demonstrations Affiliations with store and other companies with which we collaborate Personal Selling through our own Sales Agents and Reps Competitions Offline publicity – articles and features, interviews and news items Analysis of the effectiveness of promotional, marketing and advertising effort through monitoring brand awareness, as brand awareness and brand loyalty are closely linked (Staple 1990).50 49 50 Kinsley, P 2005 ‘Subtlety is the Key to unlocking brand power’ Irish Times Blythe, J 2003, Marketing Strategy McGraw Hill, London - 50 - VoGo Mobile Vouchers and the VoGo Marketing Platform From both primary and secondary research it has been found that there is a heavy seasonal emphasis on giving gift cards or vouchers and this is based around the Christmas holiday period. 55% of consumers admit that personally they would prefer to get a gift voucher as opposed to a cash gift at Christmas time. 51 However the importance of retailers and vendors leveraging their gifts cards constantly through out the year instead of relying on maximum sales from the Christmas push has been emphasised to employers. By constantly placing the voucher in the public eye they can maximise returns to a greater extent. 52 Physical Evidence Regarding the purchase of the m-Vouchers online it is vital that VoGo remains inline with the standards of the eCommerce directive and must show the full purchase details and costs before the order is confirmed and completed. Email receipt or text receipts will be available containing the information detailing the purchase and link to the site. Users are able to log in and view their account online and voucher status. Through their online account users are able to resend vouchers and sign up for extra promotions and competitions and see evidence of this. Receiving the m-Voucher serial number or m-Marketing messages and being able to use the m-Voucher successfully to purchase items. Process Trust, safety and security are big issues for businesses operating in the online environment. VoGo offers safe site and secure site symbols to reassure their customers and clients that their interactions with our site are confidential and secure. The process for the customers and clients involves less effort and time and is cheaper in the long run. There is minimal time spent acquiring the voucher as it is all done online and there is no delivery time as delivery is instant. The customers and clients 51 FEXCO Launches Electronic Gift and Spending Card Solutions 2005, Retrieved July 27th, 2006 from http://www.fexco.com/viewnews.php?id=94 52 ‘UK Retailers Told To Promote Gift Cards All Year’ 2006, The Wise Marketer, 18th April. Retrieved July 29th, 2006 from ePaynews.com - 51 - VoGo Mobile Vouchers and the VoGo Marketing Platform maintain the majority process control as they interact with the site and can make their own decisions. Collaborating with a mobile network service provider allows VoGo to outsource the processes of message distribution to an external party and focus on the online service and in-house proprietary technologies. Use of external merchant processes and services for payment and authorisation maximises quality and security of the payment process. People Primarily the people involved in VoGo will be the 4 members of the team: 2 focused on the technical and 2 on the business areas. The expertise will spread across the following broad areas: ~ Business – front line staff This will cover sales reps and promotional teams who will carry out in store demonstrations and promotions. There will also be the members of the management who will be liaising with customers and clients and finalising deals. ~ Business This covers the employees dealing with marketing, operations and finance. It will also be extremely important that VoGo provide a quality customer and client service – important when launching a new and disruptive innovation. Through the use of FAQs, email, help section and instructions this will help to maximise our customer service offered yet minimise the number of people required. External consultants and legal experts will be needed to advise and oversee some of the processes and business decisions, however it is intend to avail of expertise in the Invent centre on the DCU campus. ~ Technical On The technical side of the project there is mainly the operations, information and technology management. These areas will be in the capable hands of the 2 technical members of management. They will also be required to carry out extensive innovations and technology research. - 52 - VoGo Mobile Vouchers and the VoGo Marketing Platform 4 ~ Technology/Operations Plan Architecture and System Overview of VoGo The VoGo site is an online system consisting of two parallel web portals. The 1st a portal for registered and nonregistered users. To sign-up, login, buy and monitor their mVouchers. The 2nd an portal for registered Stores (Clients) to access m-Vouchers, data, run reports and create m-Marketing campaigns. Figure 19: The Parallel Portals The two parallel sites access shared data but the dual site approach has certain advantages. The following is the rationale for having to separate websites: Security: By producing the information on 2 distinctive websites it provides VoGo with greater flexibility. The 1st portal the consumer portal will be made available to the public and will be indexed and listed in search engines and present of various advertisements and promotional goods. The page for the user will be added to the indexes of search engines. As a mild security measure the Store portal URL will only be provided to stores that are subscribed to the VoGo m-Voucher service. This will provide some protection to VoGo, reducing possible false authentication attempts, mistakes or attacks. Design: - 53 - VoGo Mobile Vouchers and the VoGo Marketing Platform Having 2 separate sites allows VoGo to tailor the sites to the different users. The consumer portal has a fresh, youthful and slightly gimmicky design, in an attempt to attract and appeal to younger trendy users. On the client or store portal there is then a contrasting simple, professional site design focusing on functionality and clear data access and presentation. Technology Used: In choosing the relevant technologies for the system there has been extensive research into the different technologies and software available from which to build the prototype. Several issues must be considered before selecting and committing to using certain tools. Will this be easy to adapt and configure to different platforms? Is it highly compatible with other tools and software? What type of cost is involved? Will it provide a system that is scalable, maintainable and stable? PHP PHP has been chosen by the VoGo group as the server-side scripting language to provide the functionality for the site. There are many advantages for VoGo in using a technology such as PHP – It has cross platform capabilities and is interoperable with the majority of systems, servers and browsers out there It is fast, easy on resources and stable Allows for different levels of security Plenty of extensibility From a developers perspective it has many unique benefits: “Rapid, iterative development cycles with a low learning curve” 53 PHP is on of the easiest to learn, offers a very readable and easily understandable language which in turn helps to increase productivity and allows programmers to construct better applications 53 http://www.zend.com/company/solutions/for_businesses_evaluating_php - 54 - VoGo Mobile Vouchers and the VoGo Marketing Platform “Robust, high-performance and scalable platform; stable and secure” 54 PHP is designed to create extremely scalable web applications facilitating a large number of users ideal for systems such as VoGo m-Vouchers and mmarketing. PHP is stable, secure and robust even for professional and intensive business applications and systems. “Easily integrated systems” into heterogeneous enterprise environments and 55 As previously mentioned PHP is a cross platform technology and interoperable with various other applications. The Clickatell API functions with PHP, which emphasises the flexibility, PHP would provide if other APIs or technologies were to be incorporated in the system at a later stage. “Proven through widespread deployment and supported by a vibrant 56 community” PHP has been found to be one of the most widely used web tools/development language on the World Wide Web due to its flexibility and extensibility. “PHP, according to NetCraft, has surpassed Microsoft ASP, making it the most popular Web development language and is being utilized on over 15 million Websites today.” 57 Many well-known organisations and enterprises have and are using PHP highlighting the quality applications that it can build e.g. Hewlett Packard and Disney. 58 MySQL ~ Advantages of MySQL For most web developers MySQL is a great choice as a database. MySQL is fast, inexpensive, easy to use, it has good scalability allowing many users to read and write to the database at the same time unlike MS Access, which really can only handle a handful of users. Like PHP it runs on the majority if operating systems and works with most coding languages.59 MySQL is free for development and if a commercial license is needed, it costs close to €50, which is extremely cheap. MySQL possesses most of the functions that are 54 55 56 57 58 59 http://www.zend.com/company/solutions/for_businesses_evaluating_php http://www.zend.com/company/solutions/for_businesses_evaluating_php http://www.zend.com/company/solutions/for_businesses_evaluating_php http://www.zend.com/company/solutions/for_businesses_evaluating_php http://www.zend.com/company/solutions/for_businesses_evaluating_php MySQL Retrieved July 26th, 2006 from http://en.wikipedia.org/wiki/MySQL - 55 - VoGo Mobile Vouchers and the VoGo Marketing Platform present on other databases packages (SQLServer, Oracle) such as authorisations, privileges, encrypted passwords etc. Transactions are performed quickly, as MySQL was developed with speed in mind and this can be seen particularly so when it is running in the Linux environment. The fact that it uses simple SQL statements (standard communication with RDBMS’s) makes it easier to use, and it is multiplatform so it can run in different operating systems. MySQL can handle databases with millions of rows and has few scalability issues, one of these issues being changing to newer MySQL platforms.60 Clickatell SMS API - http://www.Clickatell.com For development of the SMS Module Clickatell has been incorporated into the VoGo system. VoGo has chosen this SMS leader for several reasons; their system can send customised Bulk or Individual SMS messages: Individual messages sent from user to user through the consumer portal Bulk customised promotional messages sent from stores to a list of customers through the store portal Figure 20: Clickatell SMS Gateway61 After testing it has been established that the messages when sent are delivered almost instantly to receivers and as with regular SMS generally only hindered or delayed by signal and reception issues. Since Clickatell is an American company the SMS can be sent to almost every country in the world. Clickatell has reliable network coverage with more than 560 networks across a staggering 183 countries. 60 This extensive Retrieved July 26th, 2006 from http://www.magicwebsolutions.co.uk/oldsite/PHPMYSQL.php 61 Clickatell SMS Gateway [Image] Retrieved July 26th, 2006 from http://www.clickatell.com/brochure/products/developer_solutions.php - 56 - VoGo Mobile Vouchers and the VoGo Marketing Platform communication network provides VoGo with a huge advantage should the business expand to outside of Ireland, into Europe or further a field. The low cost per message fee is important for the success of VoGo. Messages cost from €0.034 - €0.044 per message which is cheaper that most SMS Service Internet providers. The SMS Modules of Clickatell have been developed in such a way that their integration into the VoGo system is both easy and fast. This module has been created in PHP, making it compatible with our system and Clickatell has provided much of the setup and integration material. This code is free for all registered users of Clickatell and is fully referenced in the source code. Benefits for using Clickatell in VoGo: All the shops associated with VoGo will have the advantage to communicate their brand, information and use the SMS messaging technologies to boost their marketing strategies with minimum barriers to entry. Incorporated into the VoGo system it provides: Fast and reliable interaction with customers Ability to target specific groups in different locations around the globe for mass marketing62 62 http://www.Clickatell.com - 57 - VoGo Mobile Vouchers and the VoGo Marketing Platform - 58 - VoGo Mobile Vouchers and the VoGo Marketing Platform - 59 - VoGo Mobile Vouchers and the VoGo Marketing Platform - 60 - VoGo Mobile Vouchers and the VoGo Marketing Platform Customer CustMobileNo FK1 FK2 CustomerName CustomerDOB CustomerSex CustomerLocation CustomerOccupation Occupation PK CustShop PK OccupationID OccupationName PK,FK1 PK,FK2 CustMobileNo ShopID Location PK locationID locationName Shop PK ShopID ShopName ShopMail ShopUsername ShopPassword ShopPhoneNo Voucher PK VAmount VShopID VStatus CustMobile User PK MobileNo FK2 FK1 Username Password Name DOB Email Sex LocationID OccupationID VNo UserVouchShop PK,FK2 PK,FK1 PK,FK3 UserMobileNumber ShopID VNo Figure 21: The VoGo m-Voucher System Security There are many security issues that would be of the utmost importance to the VoGo voucher system. As previously mentioned there are 2 parallel sites allowing access from users and stores. - 61 - VoGo Mobile Vouchers and the VoGo Marketing Platform Validation In order to maintain the integrity of the system the VoGo website performs strict and extensive validation controls on both the client side and the server side. Invalid inputs will throw back an error and will not be posted to the server side or update the databases. All validation errors are presented to the user as a java script pop-up window containing a clear summary of the errors. Sessions A session is an enduring connection using the session layer of a network protocol. All pages have a session state and this is in place to ensure that only those who are registered can log in and view their information and no one else’s. The sessions will allow the system to recognise users and carry information about that user from page to page and they browse their account. The Web server identifies registered users using a mechanism known as authentication. The session will be started at the login page when the user is authenticated, by supplying a valid user name and password. The browser transmits the user name and a hashed version of the password to the Web server. The user is then authorised to view certain pages and the session will terminate at the log out page. Authorisation All users will be provided with particular authorisation rights and privileges on the various websites. For example at the store level only those with access right can log in and those with higher level can view certain customer details and those with full rights such as the manager or marketing specialist can access the marketing the portal and process marketing campaigns. SSL and External Services In order to keep all payments to VoGo secure, SSL cryptography will be in place between all communications from to and from VoGo and external card authorisation companies and other external organisations. “SSL provides endpoint authentication and communications privacy over the Internet using cryptography”.63 To provide extra security our merchant services will be controlled by an external company that specialise in providing these kinds of facilities. Clickatell uses 128bit encryption code. 63 SSL, http://en.wikipedia.org/wiki/Ssl - 62 - VoGo Mobile Vouchers and the VoGo Marketing Platform vLAN The majority of attacks on companies, 60% - 70%, are inside attacks, where the “trusted tribe”64 attack from within or from knowledge they have acquired from within. For best protection against outside attacks, the store portal page will be part of a secure vLAN. This will only allow users (the stores) to login into the store portal from computers that are in-store, head office or belonging to the store and are thus connected to the network. This network will allow just a certain amount of IP addresses to access the portal. This will prevent some insider attacks. For example where employees could log in from home and altering records or data. UML - User Cases (Users and Stores) Map of VoGo Customer and VoGo Store Portal Users are able to carry out a number of processes on the VoGo site. Below is an outline of each process outlined as a Use Case [IBM IT Architecture Workshop see Appendix 1.2] along with an UML diagram coupled with screen shots as seen by the User. Each Use Case also includes validations/security features included in each process. 1. Users Register on VoGo site: • User goes to homepage via their browser and clicks on ‘REGISTER’ • User is asked to fill out their personal details including choosing a username and password • If username has already been chosen user is asked to pick another username and password. Once a unique username has been identified user can proceed. • Username and Password are checked for uniqueness and the user is sent confirmation email with details of username and password 64 The Need to Protect Against Insider Attacks, Security Series, 2005, Retrieved 2006 from http://www.apani.com - 63 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo Web Control Top Package::Customer * End1 TypePersonalInfo checkAvailability InsertUser Send Confirmation Mail * End2 Figure 22a: Use Case: Registering to the Website Information that can be used in the future for mmarketing purposes - 64 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 22b: Web View: Registering to the Website Validations/Security Features: • Required fields – user must fill in all fields identified with an asterix if not the following error message will be displayed asking the user to fill in missing fields. Figure 23: Incorrect Information Pop-up • Mobile Phone Number is only accepted if it begins with 087/085/086 and 7 digits must follow this. If user enters any other formation an error message similar to the one above will be displayed. 2. User log-ins to site to view their own personal page • User goes to homepage and enters their username and password • System checks validity • System begins session • User is brought to their personal homepage with order history, details VoGo Web Control Top Package::Customer * End1 TypeInfoLogin Validation Create Session * End2 - 65 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 24a: Use Case: Login into the Page User enters their unique username and corresponding password Figure 24b: Web View: Login into the Page 3. Select Vouchers Precondition • User must be logged in Select Voucher • User selects from drop down menu the shop they wish to purchase the voucher for. • User selects the value of voucher they wish to purchase i. Note – at the moment the user has a choice of four amounts, however in the future VoGo will offer the user more choice and also depending on store’s preference increase the limit from €100. • User enters the recipient’s mobile number and also is presented with the option to include a personalised message in the voucher text. Validation/Checks • Recipient’s mobile Phone Number is only accepted if it begins with 087/085/086 and 7 digits must follow this. If user enters any other formation an error message similar to the one above will be displayed. - 66 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo Web Control Credit Card Top Package::Receiver Top Package::Customer * End1 * End1 TypeInfoLogin CheckLogin Create Session Select Store Select Amount Type Phone Send Parameters Validation Credit Card Validation and Transaction Send Parameters * End2 * End2 Send SMS Message Figure 25a: Use Case: Send m-Vouchers - 67 - Web Control VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 25b: Web View: Send m-Vouchers 4. User pays for voucher Precondition • User has logged in • User has selected voucher User pays for voucher • User is presented with the voucher they have selected, the value of the voucher and also the service charge associated with purchasing the voucher. The user is thus presented with the total payment required to purchase the voucher. • User is asked to enter their credit card details and once entered they click the ‘Confirm Payment’ button. • The credit card details are sent over a secure transmission to a 3rd party credit card clearing site. • Once cleared the user is presented with a confirmation of payment page. This page may be printed as a receipt if required. • Text message containing voucher is sent to recipient and confirmation e-mail is sent to user. - 68 - VoGo Mobile Vouchers and the VoGo Marketing Platform Payment details breakdown Figure 25c: Web View: Send m-Vouchers - Payments - 69 - VoGo Mobile Vouchers and the VoGo Marketing Platform Details of voucher amount, shop and recipient number Figure 26: Receipt and Confirmation of Purchase 5. User Top-Up M-Voucher Precondition • User has registered and Logged in User Top-Up M-Voucher • User Enters My VoGo section of site to view his/her vouchers • User selects which Voucher to Top-Up • User Chooses Top-Up Amount • User continues to payment screen • User enters credit card number • External System validates credit card • Receipt is emailed and shown on screen - 70 - VoGo Mobile Vouchers and the VoGo Marketing Platform • Web Control updates M-Voucher. • M-Voucher is resent to user mobile via Clickatell SMS API System VOGO Web Control Top Package::Customer * / Registration / Verify Registration / Return Result / Verify Login / Login / View Voucher Details / Choose MVoucher and Top_Up Amount / Card Validation / Insert Creditcard Details / Validation Result / Top Up MVoucher / MVoucher Details / Receipt Emailed and Displayed / SMS Message with M Voucher * Figure 27a: Use Case: Top-up System - 71 - Clickatell CreditCard Syste VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 27b: Web View: Top-up System Stores: 1. Store’s log-in to the VoGo system • At the moment, stores access the VoGo system through a web browser, the domain name being different to that used by other users. o Note: in the future the VoGo system will be linked and accessed from store’s EPOS. • Stores log-in with their unique username and password o Note: in the future stores may be given different accounts with different levels of access e.g. sales assistants will be able to view/amend vouchers while management will have options to send m-marketing messages. • Username and Password are checked for validation • Store is taken to their individual page - 72 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo Web Control Top Package::Customer * End1 TypeInfoLogin Validation Create Session * End2 Figure 28a: Use Case: Log into the Store Portal Page Figure 28b: Web View: Log into the Store Portal Page - 73 - VoGo Mobile Vouchers and the VoGo Marketing Platform 2. Store amends/deletes customer’s voucher details • Precondition: Store is logged in to VoGo system • When customer approaches POS, the sales assistant types the validation number into the VoGo system and clicks ‘Check’. • The VoGo system checks to see if the number is valid and presents the sales assistant with all details associated with that voucher. • The sales assistant then enters the value of the voucher the customer wishes to redeem. This amount is then subtracted from the initial amount. VoGo Top Package::Receiver Top Package::Shop * End1 * End1 Voucher Code TypeInfoLogin Web Control CheckLogin Create Session TypeVoucherCode Validation Display Info Update Amount Display Transaction * End2 * End2 Figure 29a: Use Case: Using the VoGo m-Vouchers - 74 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 29b: Web View: Using the VoGo m-Vouchers 3. Store resends voucher to customer if text has been deleted • Precondition: Store is logged in to VoGo system • If the customer approaches the POS and realises that their SMS containing the voucher validation number has been deleted, the sales assistant also has the option to resend the voucher to the customer. • The sales assistant requests the customer’s mobile number and enters it into the VoGo system. • The sales assistant is then presented with any m-vouchers active for that customer and can opt to resend the voucher. - 75 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo Top Package::Receiver * Web Control Top Package::Shop * Voucher Code Check Valid Voucher Send Parameters Send New SMS message * * Figure 30a: Use Case: Re-Sending Vouchers Figure 30b: Web View: Re-Sending Vouchers 4. Add new customers to the database. - 76 - VoGo Mobile Vouchers and the VoGo Marketing Platform • Precondition: Store is logged in to VoGo system • When the customer presents and redeems their m-voucher at the POS the sales assistant also asks them would they like to join the stores mailing list. • If the customer opts-in, they will be sent m-marketing SMS in the future and may also receive m-coupons. • The sales assistant requests specific information from the user so as to aid the store in target marketing. Figure 31a: Web View: Add New Customer - 77 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo Web Control Top Package::Customer * TypeCustomerInfo vallidateInfo InsertCustomer ConfirmationMessage * Figure 31b: Use Case: Add New Customer 5. Stores send promotional and personalized messages to customers • Precondition: Store is logged in to VoGo system • Stores select ‘Promotions’ tab from navigation bar • Store enters the criteria for the type of customer they wish to send mmarketing message to. • The store hits ‘Submit Query’ and they are brought to a page that displays all customers in the database that correspond to their selected criteria. • Store can then select individual or all of the customers they wish to send m-marketing message to. - 78 - VoGo Mobile Vouchers and the VoGo Marketing Platform VoGo Web Control Top Package::Shop * ChooseSearchCriteria RetrieveInfo ChooseMsgRecipitents SendGroupPromoMsg ConfirmationMessage * Figure 32a: Use Case: Sending m-Marketing Campaigns - 79 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 32b: Web View: Sending m-Marketing Campaigns Standards Ecommerce Directive Under the eCommerce Directive there are certain requirements for online businesses regarding displaying their company information and communication activities. Under the eCommerce Directive VoGo is required to do the following on the website: Their Name - 80 - VoGo Mobile Vouchers and the VoGo Marketing Platform The Geographic Address Contact details including the email address VAT Number As VoGo communicates commercially with customers and clients from the online setting when communicating with customers they are required to do the following: Ensure their communication is clearly identifiable as commercial communication The recipient must be able to clearly identify who is sending the information/communication The recipient must be able to clearly understand the offer available and how and where to avail of it and any terms and conditions involved The recipient must be able to clearly understand any promotional features and any terms and conditions involved Data Protection Act Under the data protection act there are strict legal requirements for dealing with the information of individuals. VoGo will also adhere to these requirements regarding the “Protection of Privacy of Individuals with regard to Personal Data Collection, processing, keeping, use and disclosure of personal data” 65 collected from m-Voucher purchases and sales. Opt in / Opt out There are also specific regulations controlling the usage of customer contact information or information acquired about customers from other sources. Opt in and opt out apply to a different recipients. Under the Regulations of the Opt in/Opt out Guidelines, opt-in consent is mandatory before any company or business can transmit unsolicited communications in the form of direct marketing emails/SMS messages to individuals they customers or otherwise. On the other hand Opt-out consent is necessary when making unsolicited communications via direct marketing/SMS messages with companies.66 65 Data Protection Commissioner http://www.dataprotection.ie/viewdoc.asp?m=l&fn=/documents/legal/6ai-1.htm#2 66 Kelly, C 2004 ‘NEW RULES ON EMAIL MARKETING AND DATA PROTECTION (PART II)’ http://www.businessofemail.com/e_article000212757.cfm - 81 - VoGo Mobile Vouchers and the VoGo Marketing Platform Consumer Affairs There are laws laid down in the consumer rights act pertaining the rights of customers when receiving or dealing with gift vouchers or store credit notes of any kind. VoGo will ensure that they remain with in the laws and guidelines of this act. When customers purchase vouchers they have very few rights, especially when vouchers are mislaid and none when they are lost. With the m-Voucher resending facility customers will in fact being provided with increased consumer rights. Labour Requirements Security Analyst To ensure the overall security of the website a Security Analyst would be hired on a consultancy basis to ensure and maintain the security of the 2 online portals, all of the code and the encryption standards in place in all communication between VoGo and external partners. Database Administrator The VoGo group will also be taking on an external Database Administrator also on a consultancy basis regards maintaining the VoGo database and to ensure it runs at maximum performance and is reliable. Mobile Technologist The area of m-Commerce and Mobile Technologies is still in its infancy. With this being the case the VoGo group feel that in the early stages hiring an expert in the field of m-Commerce, mobile technologies and applications also on a consultancy basis will be on profound benefit - 82 - VoGo Mobile Vouchers and the VoGo Marketing Platform 5 ~ Management Structure Organisation Structure We have a cross over of skills and a vast range of experience both educational and professional. This allows us to mould our diverse backgrounds into a well-functioning team [see Appendix 1.5 for further details]. Ita Rowsome – Chief Executive Officer and Director of Sales Ita Rowsome is CEO of the VoGo group, she has been selected for this position as she has vast experience dealing with the public and has a very rational and analytical approach to situations due to her background as an engineer. Her duties as CEO include: Overseeing the management decisions of the entire VoGo operation The public face of the company Liaising with all other areas and departments of the company Ensuring that information flows efficiently through out the company and through the departments As Director of Sales her duties include: Liaising with Operations and Marketing departments Sales representative and management of the sales team Francesca Feeney – Chief Financial Officer and Director of Marketing & PR Francesca Feeney has been selected as chief financial officer and Director of Marketing and PR. Francesca has previous financial and managerial retail experience, which has lead to her appointment in this role Her duties as CFO include: - 83 - VoGo Mobile Vouchers and the VoGo Marketing Platform Setting out of budgets and control of the budgets of the various departments Liaising with each of the department re incomes and expenditures. Decision making regarding the funding and revenues of the company Development, implementation, monitoring and management of financial systems through out the company Production of financial accounts, tax receipts and annual reports Produce projections for future spending, revenue and profit levels As Director of Marketing & PR her duties include: Creation, building and promotion the VoGo brand name and product portfolio for the VoGo group Liaising with the Ita Rowsome the Director of Sales Creation of marketing campaigns to target and attract potential stores to adopt the VoGo system Creation of marketing campaigns to promote and highlight the advantages of the m-Vouchers concept to potential customers and consumers Management of all marketing activities Networking, creation and maintenance of strategic alliances and relationship with clients and affiliates. Loic Hervot – Chief Operations Officer and Director of Innovations Loic Hervot has been selected to head the Operations and Innovations department. Loic has project management experience from his previous work at Intel and has keen interest in technology and innovations His duties as COO include: Project management of all operations carried out within the VoGo company Extensive liaising with the CFO to ensure accurate and precise management of finds and resources. Scheduling of deadlines and As Director of Innovations his duties include - 84 - VoGo Mobile Vouchers and the VoGo Marketing Platform Constant research and analysis of the mobile phone, m-marketing and mvoucher marketing Attendance at seminars, conferences and tradeshows globally, that are promoting innovative e-commerce technologies and trends. Networking, creation and maintenance of strategic alliances and relationship with clients and affiliates. Darran Kavanagh – Chief Information Officer and Director of Security As one of VoGos chief programmers Darran has been appointed as CIO. Darran has extensive computer applications experience and has previously developed several online systems of this calibre. His duties as CIO include: Working side by side with the innovations officer to create and adopt new technologies and potential solutions to enhance and advance the VoGo system Analysis of the information and data collected from customers and stores Updating and maintenance of the system Working with the stores to customise their application and data management As Director of Security his duties include Development, implementation and monitoring of various security policies, protocol and procedures in place to maximise the security and safety of the system Risk evaluation and risk management Business continuity and system recovery Gaps in Expertise Due to the lack of professional experience in such a market it is felt that it may be beneficial to seek advice and expertise from external consultants on certain matters, e.g. large ad campaigns, legal issues. The VoGo have a lot of theoretical experience but low average real-world experience. - 85 - VoGo Mobile Vouchers and the VoGo Marketing Platform As the VoGo group is situated in DCU and it has access to Invent, a centre for getting University research to the market place. Invent has many services in many areas, including: Entrepreneurship and Enthusiasm (Yanky Fachler) An Innovation Expert (Altran) Sales Expert (Plan2Grow) Accounting and Finance (KPMG) IP Expert (Tomkins) Law Expert (Arthur Cox) Strategic Marketing (3 little pigs) 67 The VoGo group can fill the gaps in their expertise with the aid of these services. There are also people employed in Invent to help with Business and development (Ron Immick), IP and Licensing (Tony Gylnn) and Technology Transfer (Noel Daly). We feel that the services supplied by Invent will be sufficient to aid the VoGo group. Some other gaps in the project group, as previously mentioned, is the need for expertise in the area of m-Commerce and mobile phone technology and also experts in the area of system security and database administration. 67 www.invent.dcu.ie - 86 - VoGo Mobile Vouchers and the VoGo Marketing Platform 6 ~ Finance Costs over lifetime Funding VOGO will apply for the Enterprise Ireland business start up grant. Our figures are calculated without this grant and so are pessimistic figures. VOGO would be hopeful to secure this assistance from Enterprise Ireland. Also the four directors will invest €12,500 of their own savings in the project. Our figures assume that we have gotten grant from Enterprise Ireland. Staff Costs The four directors will be paid €27,000 per annum before tax. Legal Fees VOGO intend to use the legal advice services available in the Invent centre in DCU. However, when we start drawing up contracts with shops we will need legal advice and help. We estimate that legal costs in the first year would be quite high as we need legal advice for start-up issues and also the majority of contracts will hopefully be negotiated in the first year. We estimate legal costs in Year 1 to €15,000 and €3,000 in €3,000 in Year 2 and Year 3. Phone Bills The four directors will each have a company phone with a €50 phone package. Promotion Costs The promotion and advertising of the m-Vouchers and m-Marketing will mainly be directed towards the stores with the intention of them adopting the technology and providing our vouchers. The voucher market in general is rather seasonal obviously - 87 - VoGo Mobile Vouchers and the VoGo Marketing Platform with the Christmas period being the busiest time of the year. However voucher sales are constant through out the year and this is the approach that VoGo intends to adopt. The promotion costs in year 1 will be focused on the launch in January, consistent promotion throughout the year and heavier focus in December. The promotion costs in year 2 and 3 will be half of year 1 but with heavier focus in the 2nd half of the year and the Christmas season. Technology Costs/Equipment Costs .ie €50 Per Year Domain name .com €15 Per Year PHP/MYSQL package Send mail functionality Hosting High Bandwidth 99.99% reliability - €100 per year www.affordablehosts.com 10000 SMS Messages - €400 Clickatell Account Set-up - Free Validation and Transaction Software - Credit card transactions €300 www.paymentonline.com Costs per year: Two domain names .ie €100 Two domain names .com €30 Hosting €100 Credit Card Transactions €300 Total: €530 Clickatell costs: Includes cost of sending messages and messages to cover mmarketing campaigns Year 1 €1,600 Year 2 €3,600 Year 3 €5,200 - 88 - VoGo Mobile Vouchers and the VoGo Marketing Platform Office Space In Year 1, we hope to rent from the Invent Virtual Incubation Service in DCU. This allows VOGO access to all of the Invent facilities and use of an address for €1,000 per annum. In Year 2 and Year 3, we hope to rent an office space for €400 per month (prices for office space taken from www.daft.ie). Insurance Insurance costs are estimated to be €1,200 per annum. Total Voucher Sales/M-voucher service charge Our target market occupies 46% of the population. We approximate our market to be potential 2million users. The Post Office’s Gift Voucher Shop Online say that the average spend on a voucher is €78, therefore we assume each voucher bought is €78 for the purpose of our calculations. In Year 1, VOGO will get 1% of the target population on our system buying an average €78 voucher, a growth of 3% in Year 2 and a further 3% in Year 3. VOGO will take 2% of each voucher as commission and charge an average €1 service charge per voucher. Annual Subscription In Year 1 we hope to get the large department stores on to our system. We would hope to have 6 large department stores signed up by the end of Year 1. In Year 2, smaller shops will follow the lead of the department stores when they see that the system works and therefore the risks are lessened for them. By the end of Year 2 we would hope to have 20 stores on our system. Year 3 would see further increase to 40 stores. We would charge each store a subscription fee to be part of our service. This fee would include an installation/annual service/maintenance fee; include training material and also a course of training for one store member. This subscription fee would be €2,000 for the first year and €500 every year after. Year 1: €12,000 Year 2: €31,000 Year 3: €50,000 M-voucher service charge Each text costs VOGO 4c to send. In year 1 VOGO will be building up our user base and in Year 2 VOGO will commence m-marketing messages for stores. Vogo will charge stores 7.5c per m-marketing text. From our survey we estimate that approx - 89 - VoGo Mobile Vouchers and the VoGo Marketing Platform 54% of people will opt-in (people who ticked ‘yes, definitely’ and ‘probably’). VOGO predict that stores will have 4 m-marketing campaigns. - 90 - VoGo Mobile Vouchers and the VoGo Marketing Platform Cashflow Analysis Cashflow analysis – 2006 – 2009 – 3 year plan The following are balance sheets displaying and calculating the costs to be entailed over the first 3 years by the VoGo group and the incoming revenue. These figures are the best estimates available to the VoGo group at this time. Profit and Loss Year 1 Sales Less Cost of Sales Gross Profit VAT @21% Net Profit 63,200 -135,230 -72,230 -15,126.30 -87,356.30 Profit and Loss Year 1 Sales Less Cost of Sales Gross Profit VAT @21% Net Profit 189,200 -127,030 62,170 -13,055.7 49,114.3 Profit and Loss Year 1 Sales Less Cost of Sales Gross Profit VAT @21% Net Profit 524,408 -128,630 395,778 -83,113.38 312,664.62 Cash flow Year 1 Opening Balance January February March April May June 50,000 35,370 28,770 22,170 19,170 12,570 Direct Costs - 91 - VoGo Mobile Vouchers and the VoGo Marketing Platform Staff Costs 9,000 Advertising 1,500 Legal Costs 15,000 Technology/ Equipment costs Clickatell costs 9,000 9,000 9,000 9,000 9,000 1,000 530 400 400 Expenses Office Rent 1,000 Phone Bills 200 Insurance 600 Total Debts 28,230 Annual subscription for stores Percentage of voucher sales 200 200 200 200 200 9,200 9,200 10,600 9,200 9,200 2,600 2,600 2,600 2,600 2,600 6,000 2,600 M-marketing services M-voucher service charge 5,000 Total Sales 13,600 2,600 2,600 7,600 2,600 2,600 Account Balance -14,630 -6,600 -6,600 -3,000 -6,600 -6,600 5,000 - 92 - VoGo Mobile Vouchers and the VoGo Marketing Platform End of Jul Aug Sept Oct Nov Dec 5,970 8,370 1,770 -4,830 -8830 -15430 50,000 Staff Costs 9,000 9,000 9,000 9,000 9,000 9,000 108,000 Advertising 1,000 Opening Balance Year Direct Costs 2,000 5,500 Legal Costs 15,000 Technology/ Equipment costs Clickatell costs 530 400 400 1,600 Expenses Office Rent 1,000 Phone Bills 200 Insurance 600 Total Debts 11200 Annual subscription for stores Percentage of voucher sales 200 200 200 200 200 1,200 9,200 9,200 11600 9,200 9,200 6,000 2,600 2,400 135,230 12,000 2,600 2,600 2,600 2,600 2,600 31,200 M-marketing services M-voucher service charge 5,000 Total Sales 13600 2,600 2,600 7,600 2,600 2,600 63,200 Account Balance 2,400 -6,600 -6,600 -4,000 -6,600 -6,600 -22,030 5,000 - 93 - 20,000 VoGo Mobile Vouchers and the VoGo Marketing Platform Cash flow Year 2 January April July October End of Year -22,030 -1,910 7,440 31,790 -22,030 Staff Costs 27,000 27,000 27,000 27,000 108,000 Advertising 500 500 1000 1500 3,500 Legal Costs 3,000 3,000 530 530 Opening Balance Direct Costs Technology/ Equipment costs Clickatell costs 900 900 900 900 3,600 Office Rent 1,200 1,200 1,200 1,200 4,800 Phone Bills 600 600 600 600 2,400 Insurance 1,200 Total Debts 34,930 Expenses Annual subscription for stores 1,200 30,200 30,700 15,500 31,200 15,500 127,030 31,000 Percentage of voucher sales 23,400 23,400 23,400 23,400 93,600 M-marketing services 1,150 1,150 1,150 1,150 4,600 M-voucher service charge 15,000 15,000 15,000 15,000 60,000 Total Sales 55,050 39,550 55,050 39,550 189,200 Account Balance 20,120 9,350 24,350 8,350 40,140 - 94 - VoGo Mobile Vouchers and the VoGo Marketing Platform Cash flow Year 3 January April July October End of Year 40,140 135,912 236,414 336,416 40,140 Staff Costs 27,000 27,000 27,000 27,000 108,000 Advertising 500 500 1000 1500 3,500 Legal Costs 3,000 3,000 530 530 Opening Balance Direct Costs Technology/ Equipment costs Clickatell costs 1,300 1,300 1,300 1,300 5,200 Office Rent 1,200 1,200 1,200 1,200 4,800 Phone Bills 600 600 600 600 2,400 Insurance 1,200 Total Debts 35,330 30,600 31,100 31,600 128,630 12,500 12,500 12,500 12,500 50,000 Percentage of voucher sales 70,200 70,200 70,200 70,200 280,800 M-marketing services 3,402 3,402 3,402 3,402 13,608 M-voucher service charge 45,000 45,000 45,000 45,000 180,000 Total Sales 131,102 131,102 131,102 131,102 524,408 Account Balance 95,772 100,502 100,002 99,502 435,918 Expenses Annual subscription for stores 1,200 - 95 - VoGo Mobile Vouchers and the VoGo Marketing Platform Appendix 1.1 Nokia N70 Full Specification 68 Nokia N70 68 http://www.vodafone.ie - 96 - VoGo Mobile Vouchers and the VoGo Marketing Platform Access to full-colour Vodafone live! menu Send and receive messages with images and text Supports - view jpg, 3gp, MP3, .ppt, .doc, excel and .pdf files Keep entertained with downloadable Java games WAP-enabled browser for accessing information online Data compatible - transfer data with your mobile Triband - 900/1800/1900 MHz Vibrate alert GPRS-enabled browser for accessing information online New Wireless connectivity with built-in Bluetooth™ Colour Screen MP3 Player Enhanced sound with high-quality polyphonic ringtones Vodafone live! with 3G Video messaging External Memory Card Camera Video capture, playback, download and streaming 2 mega-pixel digital camera (up to 20 times zoom) Full track music download support 2 cameras for video calling Data connectivity via USB Cable Built-in FM Radio 64MB external memory card included Large colour display Slider mechanism for back camera Weight: 126 grams Talk time minutes*: 180 - 97 - VoGo Mobile Vouchers and the VoGo Marketing Platform - 98 - VoGo Mobile Vouchers and the VoGo Marketing Platform 1.2 IBM IT Architecture Workshop – Work Products One of group members, Ita Rowsome, attended a two-day workshop run by IBM in DCU in June. This workshop was run by IT Architects from both IBM Ireland and UK. The class was split into groups of four and given a case study of a ‘client’ who required a new IT system, an online shop to sell white goods. The groups worked through a series of work products (designed by IBM), which brought them from a basic understanding of the problem to designing a full system for the ‘client’. In the design phases of this practicum, we used the IBM work products to understand the brief and aid the group in designing the optimum system for the brief. The first work product to work through is the Business Environment product [IBM IT Architecture Workshop] that lets you explore and define how different parts of the business use the solution. It helps you identify where business boundaries are crossed and helps you define the processes each entity performs with the enterprise. The different parts of our business are: • Shops/Business Partners – we are calling these our ‘clients’. They give us permission to sell vouchers for their stores. We allow them design a personalised information page on our site detailing info about their stores. We provide them access to all vouchers in existence through their existing systems, allowing them delete/amend vouchers presented at POS. • Customer – User who buys voucher – this actor goes to our site, browses the site and before purchasing a voucher as a gift must register on site. When registering the customer is given an opt-out of future marketing. We hope to use customer info for m-marketing purposes. • Recipient – this player receives an m-voucher from the customer as a gift. The voucher will be a barcode (in the beginning a randomly generated serial number) that can be redeemed at POS in any of the shops stores. The voucher can also be topped up to act as a debit card and future development hopes to turn the customer’s mobile phone into a store debit card. • 3rd Party Credit Card Clearing – VoGo have decided to outsource our credit card clearing system, as it is cheaper and more efficient for us. The credit card number entered on our site needs to be sent securely to an online credit clearing firm so as to confirm payment on our site. • Regulator – as VoGo will be operating in Ireland it will be subject to regulations in place in both Ireland and the EU. It is important that our data storage is - 99 - VoGo Mobile Vouchers and the VoGo Marketing Platform compliant with the Data Protection Act and that we operate within the outlines of the E-commerce Regulations. Shops/Business Partners User who buys voucher Design their site; view vouchers in existence Browse, Buy, Order History The Enterprise Handles payment for vouchers Define regulations check Receive voucher, online account Recipient of voucher Figure 1: Business Context Diagram for VoGo m-voucher system Regulator - 100 - 3rd Party Credit Card Clearing VoGo Mobile Vouchers and the VoGo Marketing Platform The second work product designs a System Context diagram for the system [IBM IT Architecture Workshop] – this work product shows the data flow in a system and which information the external parties have access to. It shows the interfaces between the external parties. Databases Request for data over TCP/IP Info sent over HTTP presented in HTML format Response over TCP/IP External Entities Business Partners (Stores) Credit Card Changes sent over HTTP/HTTPS E-commerce Application HTTP requests HTML pages Browser Based Internet Client delivered over HTTP Customised requests for content made over wireless protocols Figure 2: System Context Diagram for VoGo m-voucher system - 101 - XML – customised presentation for wireless devices Pervasive Computing Devices VoGo Mobile Vouchers and the VoGo Marketing Platform Flow of Information – this is also an important and much needed part of the System Context Overview as it defines further parameters of the Figure 2, namely the access times and also the input and output of information. Flow PvC/Browser Internet Based Client to Input/Output Input: Username, Password, Access Times 24 hours a day, 7 Account Info, Credit Card days a week Output: 24 hours a day, 7 eCommerce application ECommerce Application enrolment, to confirmation of payment, m- Based voucher sent confirmation, Internet Client External Entities account info Input: additional info about Store opening hours, (stores) recipients, if PvC/Browser to eCommerce voucher, application options ECommerce Output: application to changes to m-marketing days a week operating with stores online shop – 24 hours a day, 7 funds transfer, voucher info, m-marketing external entities days a week Store opening hours, if operating with stores online shop – 24 hours a day, 7 ECommerce Application Database Databases eCommerce Input: to Web to account changes, transactions, history Output: Account transaction history days a week 24 hours a day, 7 days a week Info, 24 hours a day, 7 days a week Application Figure 3: Flow of Information for the VoGo m-voucher system The third product used was the Use Case work product [IBM IT Architecture Workshop]. This step involves describing how each process in the system is carried out step-bystep. It allowed the group anticipate problems that may arise in each process and also program validations and security features into each process. The Use Cases have been included in the main body of text in the Technology/Operations Section. (see page ??) The fourth work product is the Architecture Overview Product [IBM IT Architecture Workshop]. The Architecture Overview Model got the group thinking about the hardware components the VoGo system would need, it also includes which components need to be connected together for information flow. - 102 - VoGo Mobile Vouchers and the VoGo Marketing Platform WEB SERVER COMPUTER Data ADMINISTRATOR WEB DATABASE Server USER SALES ASSISTANT COMPUTER FIREWALL STORE SYSTEM Figure 4: Architecture Overview (drawn using Microsoft Visio) These four work products were very beneficial in the early stages of the practicum as it helped the group approach the system design in a logical and organised manner. It helped the group identify all external entities involved in our system, their needs, the flow of information between these entities and finally the technical components VoGo would require to be realised. [Note: All work products are copyright of IBM Global Services 2001] - 103 - VoGo Mobile Vouchers and the VoGo Marketing Platform 1.3 Market Research La Senza – Dundrum Shopping Centre How does your current voucher system work? a. Do you use paper or plastic? b. Do you use a barcode or voucher number? c. How do you track you vouchers? Paper Is your voucher system or any aspects of your system outsourced or produced by a third-party? No Are there costs involved in producing such a voucher system? Where are the costs incurred? E.g. Printing, administration etc. There are costs, printing etc – (not sure of the exact figures) How do you make money with your voucher system? Not answered Do you promote your vouchers? If so how? Yes on graphics around the store and in our windows What are the benefit/problems associated with your current voucher system? Having to give back change in gift voucher form. Some customers want money back We are developing VoGo an online voucher portal that delivers the voucher to your mobile phone eliminating the need for people to purchase vouchers from a physical store. Each retailer will have an online account where they can view outstanding vouchers, voucher status, track buying behaviour. The voucher on the mobile phone will be in the form of a barcode with a corresponding serial number and can be scanned by conventional point of sale scanners. The customer can resend lost or deleted vouchers by logging into their online account. Retailers can benefit from the m-marketing capabilities of our online portal and can send timed and targeted marketing campaigns to the mobile phones if regular customers and to those possessing outstanding vouchers. - 104 - VoGo Mobile Vouchers and the VoGo Marketing Platform Would you be interested In using such a system? It would be a great idea but our store is one of thousands between Scandinavia, America, The Mediterranean, England and all Ireland. Head Office would have to change all stores systems would be impossible! Would you be willing to pay a small percentage of each transaction to have this service managed by us? Not answered Would you be interested in the target marketing and promotional benefits of this system? Not answered - 105 - VoGo Mobile Vouchers and the VoGo Marketing Platform 1.4 Consumer Survey VoGo Online Survey – 69 1. VoGo survery 1. Do you buy Gift Vouchers or Tokens or Gift Cards or Bonus Bonds to give as gifts? or Have you ever been given Gift Vouchers or Tokens or Gift Cards or Bonus Bonds as a gift? Yes No Response Average Given 80% (49) 20% (12) 1.20 Received 97% (59) 3% (2) 1.03 Total Respondents 62 2. Do you like to get Gift Vouchers or Tokens or Gift Cards or Bonus Bonds as gifts? Response Response Percent Total Yes Sometimes No 41.9% 26 51.6% 32 6.5% 4 Total Respondents 62 3. Gift cards are the more modern approach to vouchers and offer more flexible options and advantages to customers. Which of the features are most important? Respo Response nse Percent Total Top-up Do not have to spend all at once No Expiry Date More portable eg fits in Wallet easily 22.6% 14 54.8% 34 66.1% 41 43.5% 27 Can you suggest any other features which might be of more use that are not present on current 14.5% voucher systems? 69 9 Total Respondents 62 (skipped this question) 0 http://www.surveymonkey.com - 106 - VoGo Mobile Vouchers and the VoGo Marketing Platform 4. Do you think it would be beneficial to incorporate vouchers into Mobile Phone messaging and using SMS/MMS as a way of distributing vouchers and mobile phones as a means to receive them? Scale Strongly Agree Agree Maybe Disagree Strongly Disagree Response Average 19% (12) 39% (24) 34% (21) 6% (4) 2% (1) 2.32 Total Respondents 62 (skipped this question) 0 5. Do you ever find yourself in a store buying something or wanting to buy something knowing you have a gift voucher at home or a gift voucher somewhere that you have lost? Scale Yes very often sometimes/often the odd not never time usually/rarely Response Average 16% (10) 34% (21) 29% (18) 2.61 15% (9) 6% (4) Total Respondents 62 (skipped this question) 0 6. a) Do you think you would redeem vouchers more quickly if they were on your phone and therefore with you the majority of the time? b) Do you think you would spend over the value of the voucher? Yes Maybe No Response Total 65% (40) 26% (16) 10% (6) 62 b) spend 34% (21) more 54% (33) 11% (7) 61 a) redeem quickly Total Respondents 62 (skipped this question) 0 - 107 - VoGo Mobile Vouchers and the VoGo Marketing Platform 7. If you were to buy VoGo m-Vouchers as gifts for family, friends or people you know what ages groups would you buy for. tick all that apply Response Percent Response Total 12-15 29% 18 16-19 58.1% 36 20-24 83.9% 52 25-29 69.4% 43 30-39 51.6% 32 40-49 24.2% 15 50-59 25.8% 16 60-69 6.5% 4 70+ 1.6% 1 11.3% 7 Further comments for your choices 8. Would you like/find it beneficial to receive information/notifications by SMS/MMS regarding items such as the following for example: * Special Offers eg 10% in Store X today only * Sales - Summer Sale starts today, up to 50% * Events - Roy Keane will be in store today only between 2 and 4 to sign his new book! * Launches - New xBox going on sale Monday at 12pm be first inline to be guaranteed to get one Response Percent Response Total Yes 51.6% 32 Maybe 24.2% 15 24.2% 15 No Total Respondents 62 (skipped this question) 0 9. If you could highly tailor the alerts you want and set limits as to the amounts you receive. Do you think you would sign up for such alerts? Response Percent Response Total Yes Definitely 17.7% 11 Probably 37.1% 23 Maybe 22.6% 14 Unlikely 14.5% 9 No Way 8.1% 5 Total Respondents 62 (skipped this question) 0 - 108 - VoGo Mobile Vouchers and the VoGo Marketing Platform 10. VoGo vouchers - they can be bought, are delivered immediately, can be resent easily if lost and monitored all from your computer - What is your opinion of the concept of mVouchers - vouchers to your mobile? and the concept of VoGo mVouchers and marketing platform? Total Respondents 43 - 109 - VoGo Mobile Vouchers and the VoGo Marketing Platform 1.5 CVs – Educational and Professional Experience Darran Kavanagh: MSc eCommerce Business Education 2001-2005: University Of Limerick Computer Systems 2005-2006: Dublin City University MSc eCommerce Business Professional Experience Ark Life Assurance - Software Developer & Database Administator Nalcro - IT Information Technology C++, JAVA, ASP, PHP, CGI, COBOL, VB, SQL, VRML, HTML, JavaScript, XML, XSL, Dreamweaver MX, ADOBE Photoshop, MS OFFICE.S Francesca Feeney: BSc Honours Science - Computer Science, MSc eCommerce Business Education 2000-2004: University College Dublin BSc Honours Science – Computer Science 2005-2006: Dublin City University MSc eCommerce Business Professional Experience PFPC International Dublin – Shareholder Services Institute of Public Administration – Publishing Department Freelance Web Systems and Design Information Technology HTML, MySQL, PHP, Java, VRML, LISP, C++, Dreamweaver MX, Adobe Photoshop, MS Office, Quark Express - 110 - VoGo Mobile Vouchers and the VoGo Marketing Platform Ita Rowsome: MSc eCommerce Business Education 2001-2005: University College Dublin Electronic Engineering 2005-2006: Dublin City University MSc eCommerce Business IBM e-Commerce Workshop 2006 Professional Experience IBM, Mulhuddart - Test Equipment Engineer Bank of Ireland Information Technology C++ and Verilog languages, Matlab and Mathematica software, HTML, Dreamweaver MX, MS Office. - 111 - VoGo Mobile Vouchers and the VoGo Marketing Platform Loic Hervot: MSc eCommerce Business Education 2001-2004: Universidad Latina, Costa Rica System Engineering, Bachelor Degree, 2005-2006: Dublin City University MSc eCommerce Business Professional Experience Computer expert technician, Department of Internal Technical Support (ITS) BOS. Web-Dev Manager/ Webmaster (10 Developers), Department of Websites, BOS System Analyst, Software Development, Siemens Business Services,Intel Corporation System Analyst, Software Development, COMPUCOM, . Intel Corporation Information Technology Networking LAN, VLAN, WAN basics, Web programming, Web Sites Design, IIS, WebServices, .NET Framework, Infragistics, SQL Reporting Services, Microsoft Sharepoint 2003, SQL Server, JAVA, C#, C++, 3DStudio, Pascal, Cobol, LISP, Prolog, JSP, Visual Basic 6.0, Macromedia Studio MX package, Oracle PL SQL +,Microsoft Access, vb.NET, Basic UNIX, Adobe Photoshop 7.0, Adobe ImageReady 9.0, Adobe Illustrator 10.0 - 112 - VoGo Mobile Vouchers and the VoGo Marketing Platform 1.6 Research Salary Scales - 113 - VoGo Mobile Vouchers and the VoGo Marketing Platform 1.7 Barcode Technology The concept behind the project is to send a barcode and serial number to a mobile which represents an m-Voucher. Whilst researching the project it was clear that the MMS, barcode idea would have been outside the VoGo group knowledge at present and outside the scope of the project and that it would be more feasible to approach the idea through sending an SMS. Familiarity is the reason why the barcode concept is feasible as a means of transmitting the voucher information. As with swiping a Gift card the process of scanning a barcode is something that is all too familiar to modern shoppers and it is unusual to come across items that do not possess a barcode as a pricing medium. In the worldwide retail industry EAN 13 are the most commonly used barcodes, but there are many other types. The EAN barcode provides information in the combination of numbers, such as manufacturer, cost. For example the coupon data structure is as follows: The coupon data structure for the euro area is as follows : • Coupons up to 99,9 euro • Coupons up to 9,99 euro http://www.gs1belu.org/ean-numbers-barcodes/coupondatastruct_main.htm For the purposes of the m-Voucher product in this project we are using a randomly generated serial number. If an MMS module is implemented then the serial number can be mapped to a suitable barcode and sent as an MMS instead. - 114 - VoGo Mobile Vouchers and the VoGo Marketing Platform Table of Figures Figure 1: Diagrammatical explanation of the concept........................................................9 Figure 2: Osaifu - Keitai.................................................................................................................18 Figure 3: RFID/Keitai Vending Machine..................................................................................19 Figure 4: Osaifu - Keitai.................................................................................................................19 Figure 5: The Concept of Finger Whisper...............................................................................21 Figure 6: The Concept of Mime Speech Recognition.........................................................22 Figure 7: Elements of external environment .......................................................................29 Figure 8: Porters 5 Forces.............................................................................................................30 Figure 9: European Mobile Phone Pentration.......................................................................32 Figure 10: Business Spending On mCommerce Equipment and Integration:........36 Figure 11: OECD Broadband Subscribers Dec 05...............................................................37 Figure 12: Crossing the Chasm to New Product Adoption.............................................39 Figure 13: Mobile Trends Enabling Technology..................................................................41 No Expiry Date....................................................................................................................................42 Figure 14: Most Beneficial Features of Gift Cards..............................................................43 Figure 15: Age-Groups Respondents would Purchase m-Vouchers for.................44 Figure 16: Respondents that would expect to find the proposed m-Marketing Beneficial...............................................................................................................................................44 Figure 17: Age-Groups Respondents would Purchase m-Vouchers For................46 Figure 18: Age-Groups with Mobile Phones.........................................................................46 Figure 19: The Parallel Portals....................................................................................................53 Figure 20: Clickatell SMS Gateway.............................................................................................56 Figure 21: The VoGo m-Voucher System...............................................................................61 Figure 22a: Use Case: Registering to the Website..............................................................64 Figure 22b: Web View: Registering to the Website............................................................65 Figure 23: Incorrect Information Pop-up...............................................................................65 Figure 24a: Use Case: Login into the Page.............................................................................66 - 115 - VoGo Mobile Vouchers and the VoGo Marketing Platform Figure 24b: Web View: Login into the Page...........................................................................66 Figure 25b: Web View: Send m-Vouchers..............................................................................68 Figure 25c: Web View: Send m-Vouchers - Payments.....................................................69 Figure 26: Receipt and Confirmation of Purchase.............................................................70 Figure 27a: Use Case: Top-up System.....................................................................................71 Figure 27b: Web View: Top-up System...................................................................................72 Figure 28a: Use Case: Log into the Store Portal Page.......................................................73 Figure 28b: Web View: Log into the Store Portal Page.....................................................73 Figure 29a: Use Case: Using the VoGo m-Vouchers.........................................................74 Figure 29b: Web View: Using the VoGo m-Vouchers........................................................75 Figure 30a: Use Case: Re-Sending Vouchers........................................................................76 Figure 30b: Web View: Re-Sending Vouchers......................................................................76 Figure 31a: Web View: Add New Customer............................................................................77 Figure 31b: Use Case: Add New Customer............................................................................78 Figure 32a: Use Case: Sending m-Marketing Campaigns...............................................79 Figure 32b: Web View: Sending m-Marketing Campaigns.............................................80 - 116 - VoGo Mobile Vouchers and the VoGo Marketing Platform References Publications Blythe, J 2003, Marketing Strategy, McGraw Hill, London Drummond, G & Ensor, J 2002, Strategic Marketing planning and Control, Student 2nd Edition. Butterworth Heinimann in association with The Chartered Institute of Marketing Mennecke, B & Strader, T (ed.) 2003 Mobile commerce : technology, theory, and applications, Hershey,Pa : Idea Group Pub Articles Agence Francaise de Securite Sanitaire Environnementale 2005 Retrieved July 18th, 2006 from http://www.who.int/pehf/project/mapnatreps/afsse_opinion_mobile_telephony .pdf ComReg Trends Survey Q1 2006, Survey Results, June 2006, Prepared by Amárach Consulting, Commission for Communications Regulation Retrieved July 27th, 2006 from http://www.comreg.ie Daly, G 2005, Funding the Next Big Thing, The Sunday Business Post Online Retrieved July 27th, 2006 from http://www.post.ie Economy of the Republic of Ireland Retrieved July 18th, 2006 from http://en.wikipedia.org/wiki/Economy_of_the_Republic_of_Ireland Electronic Gift Card Trends and Analysis Retrieved July 13th, 2006, from www.opticard.co.uk/pdf/Trends_UK_Mar_Final.pdf FEXCO Launches Electronic Gift and Spending Card Solutions 2005, Retrieved July 27th, 2006 from http://www.fexco.com/viewnews.php?id=94 FEXCO Launches Electronic Gift and Spending Card Solutions 2005, Retrieved July 27th, 2006 from http://www.fexco.com/viewnews.php?id=94 - 117 - VoGo Mobile Vouchers and the VoGo Marketing Platform Fox, D 2001 Home Monitor on a Cell Phone Retrieved July 29th, 2006 from http://www.oreillynet.com/pub/a/wireless/2001/07/23/monitor.html Irish Communications Market – Quarterly Key Data Report – December 2005, Document No: 05/92R, Date: 28th March 2006, Commission for Communications Regulation Retrieved July 27th, 2006 from http://www.comreg.ie Japanese Mobile phone Culture Retrieved July 28th, 2006 , from http://en.wikipedia.org/wiki/Japanese_mobile_phone_culture Johnson, T 2006, In Japan, Mobile Phones Replacing Wallets, Keys, Credit Cards Retrieved July 29th, 2006 from http://www.govtech.net/digitalcommunities/story.php?id=99325 Kinsley, P 2005 ‘Subtlety is the Key to unlocking brand power’ Irish Times Preparing for the mCommerce Revolution – Mobile Payments 2002, Retrieved July 29th, 2006 from http://www.epaynews.com/downloads/mpayment_paper.pdf Robertson, J 2005, ‘BUYER'S GUIDE: Motivation Vouchers’, Employee Benefits, Dec 7, 2005 p51, Retrieved July 15th, 2006, from Business & Copmany Resource Center Roke Manor Research Building a Vision of Retail Technology in the 21st Century Retrieved July 29th from http://www.roke.co.uk/download/brochures/Retail_ Technology_Vision_for_the_21st_Century.pdf Statistics for Mobile Commerce Retrieved July 12th, 2006 from http://www.epaynews.com/statistics/mcommstats.html Statistics for Mobile Commerce Retrieved July 12th, 2006 from http://www.epaynews.com/statistics/mcommstats.html The Need to Protect Against Insider Attacks, Security Series, 2005, Retrieved 2006 from http://www.apani.com Trend Survey Series – Wave 1, 2006, Residential Communications Survey Report, Document No: 06/22b, Date: 1st June, 2006, Commission for Communications Regulation Retrieved July 27th, 2006 from http://www.comreg.ie - 118 - VoGo Mobile Vouchers and the VoGo Marketing Platform UK Consumers Embrace m-Coupons 2004, Retrieved July 12th, 2006 from http://www.pressbox.co.uk/Detailed/14722.html UK Retailers Told To Promote Gift Cards All Year’ 2006, The Wise Marketer, 18th April. Retrieved July 29th, 2006 from ePaynews.com Wilkinson, A 2001, ‘Mobile Advertising Is Starting to Move’, Marketing Week, vol. 24, issue 27, page 18. Retrieved July 29th, 2006, Business & Company Resource Centre Additional Reading Clark, M 2002, Dublin pubs serve up SMS drink vouchers Retrieved July 13th, 2006 from http://www.ElectricNews.net Daly, G 2005, Funding the Next Big Thing, The Sunday Business Post Online, http://www.post.ie Friedman, A British Chains’ Web Methods click to boost guest loyalty – Europe Report Retrieved July 13th, 2006 from www.looksmart.com Horne, D & Cradock T, European Guide To Gift & Stored Value Cards, A unique definitive survey of the state of gift cards across the UK and mainland Europe Industry Best Practice For Bar Coding And Issue Numbering Of Magazines, Partworks & Collectibles And Promotional Vouchers Produced (2005), Periodical Publishers Association and Association of Newspaper and Magazine Wholesalers Retrieved July 31st, 2006 from http://www.anmw.co.uk/barcodes.pdf Is it time to shoot the messenger? Comms & Mobile, 2005 Retrieved July 13th, 2006 from http://www.siliconrepublic.com/news/news.nv?storyid=single4647 Mclindon, A 2002, Text Message campaign aims at charity, Retrieved July 13th, 2006 from http://www.electricnews.net O’Brien, C 2006, Digital Marketing Retrieved July 13th, 2006 from http://www.electricnews.net The Gift Network, Gifting Insights and Future Trends, Retrieved July 28th, 2006 from http://www.giftex.co.uk - 119 - VoGo Mobile Vouchers and the VoGo Marketing Platform - 120 -