Cashless and Contactless Payments Beyond COVID-19 | Tempemail – Blog – 10 minute

The emergence of COVID-19 has made the need for digitising payments more critical than ever before and for this to be a success, electronic payments need to offer similar benefits to those afforded by cash.
Globally, economies are in various stages of development having either started developing, replaced or are busy replacing daily batch payment systems with real-time systems that execute payments in seconds with the flexibility to meet the needs of the future digital economy.
The drive towards digital payments and lowering the reliance on cash is not new to South Africa’s payments market. There are several mechanisms already in place to enable this and banks, card companies, fintechs and retailers are all involved in rolling out digital, non-touch payment mechanisms.
Contactless cards use near field communication (NFC) to transmit payment messages to the Point of Sale device and obviate the need to insert, swipe or to key in the PIN code.  They are limited to low-value payments. Where the payment transaction exceeds a transaction limit (typically R500), the PIN code is still requested by the merchant. It must be noted that the issuing bank could decide to lower this limit if they wanted for security reasons.

Banks and retailers around the world are responding to COVID-19 fears by raising the limits on their contactless card transactions so that higher value payments can be made without the need to touch the terminal.
On 1 April, the UK increased the per-transaction limit from GBP30 to GBP45, while on 2 April, leading retailers in Australia increased their contactless limit to $200, all in a bid to reduce the need for pin entry on point of sale devices.
We have seen an increased uptake by both large and small retailers of the QR code, which uses an app on your mobile phone to scan a QR code at the merchant. This also ensures that no physical contact is needed and has high customer convenience.
It has been a while since tellers at merchants stopped touching payment cards, mainly due to fraud concerns, but it is now becoming even more common practice due to the risk of spreading COVID-19 through cards.
Achieving financial inclusion through contactless payments
Financial inclusion is one of the key principles of the South African Reserve Bank’s “Vision 2025”, and an important drive in South Africa. While most South Africans do have a bank account and card (80%), there is still a very high reliance on cash with many having limited access to other financial products such as credit and insurance.
Approximately 90% of shops in the informal sector run entirely on cash, despite interest from their customer base to pay with their card. This issue is mainly due to card acceptance challenges at the SME merchants and in rural areas. A widespread rollout of Point of Sale (POS) devices across the informal sector would be necessary to enable card acceptance.
New entrants in the POS market are increasingly providing devices linked to mobile phones priced more favourably for the smaller business market.  As these continue to roll out, the opportunity to see wider use of card payments will increase countrywide. In addition, new entrants are offering micro-transaction platforms (using QR codes) which allow for both the making and receipt of low-value payments in a contactless way. This certainly supports financial inclusion.
We are seeing the entrance of new banks, sometimes called challenger banks, who offer their services digitally. SA is no exception. Digital banks don’t invest in branch infrastructure and as a result, are able to reduce their costs and aim to offer their services at a lower cost than their traditional competitors.  In South Africa, we have a new digital bank which is clearly focused on financial inclusion. Apart from offering a digital service, they have also set up retailer partnerships to reach their customers, deploying kiosks countrywide.
Regulations to assist in mitigating against financial fraud
Payment systems play a vital role as a foundation for deepening financial inclusion by providing access and effective use of formal financial products and services for all Africans. This is key to ensure secure and safe payments.
Biometrics stored in a central location, providing the customer with a digital ID, is the perfect solution to providing an enjoyable customer experience with a high level of security. Implementing a central digital ID within the African context is not a simple task and poses challenges, such as working with specialised infrastructure that is not optimal, dealing with unreliable connectivity, managing hardware malfunctions and addressing ID duplications. High incidences of fraud and lack of trust were raised as key impediments to the adoption of electronic payments, which drive the call for more regulatory and enforcement efforts.
There are also key aspects that need to be addressed, such as access and exposure to the protection of personal information, the management of data breaches, compulsory versus voluntary participation and the inclusion of foreign nationals residing in another country.
If the various industry players continue to move towards greater interoperability, the end result must be an increase in payment offerings which answer to customer needs with greater effect and address the concerns around minimizing contact during the period of COVID-19 and beyond. This, in turn, will have the benefit of improving the customer experience, increasing adoption of digital payments and reducing cash dependency and contact, ultimately leading to improved financial access across the continent.
By Akiva Ehrlich, Deloitte Director of Risk Advisory Africa and Payments Leader
Edited by Luis MonzonFollow Luis Monzon on TwitterFollow Tempemail on Twitter

Tempemail , Tempmail Temp email addressess (10 minutes emails)– When you want to create account on some forum or social media, like Facebook, Reddit, Twitter, TikTok you have to enter information about your e-mail box to get an activation link. Unfortunately, after registration, this social media sends you dozens of messages with useless information, which you are not interested in. To avoid that, visit this Temp mail generator: tempemail.co and you will have a Temp mail disposable address and end up on a bunch of spam lists. This email will expire after 10 minute so you can call this Temp mail 10 minute email. Our service is free! Let’s enjoy!

Cashless and Contactless Payments Beyond COVID-19 | Tempemail – Blog – 10 minute

The emergence of COVID-19 has made the need for digitising payments more critical than ever before and for this to be a success, electronic payments need to offer similar benefits to those afforded by cash.
Globally, economies are in various stages of development having either started developing, replaced or are busy replacing daily batch payment systems with real-time systems that execute payments in seconds with the flexibility to meet the needs of the future digital economy.
The drive towards digital payments and lowering the reliance on cash is not new to South Africa’s payments market. There are several mechanisms already in place to enable this and banks, card companies, fintechs and retailers are all involved in rolling out digital, non-touch payment mechanisms.
Contactless cards use near field communication (NFC) to transmit payment messages to the Point of Sale device and obviate the need to insert, swipe or to key in the PIN code.  They are limited to low-value payments. Where the payment transaction exceeds a transaction limit (typically R500), the PIN code is still requested by the merchant. It must be noted that the issuing bank could decide to lower this limit if they wanted for security reasons.

Banks and retailers around the world are responding to COVID-19 fears by raising the limits on their contactless card transactions so that higher value payments can be made without the need to touch the terminal.
On 1 April, the UK increased the per-transaction limit from GBP30 to GBP45, while on 2 April, leading retailers in Australia increased their contactless limit to $200, all in a bid to reduce the need for pin entry on point of sale devices.
We have seen an increased uptake by both large and small retailers of the QR code, which uses an app on your mobile phone to scan a QR code at the merchant. This also ensures that no physical contact is needed and has high customer convenience.
It has been a while since tellers at merchants stopped touching payment cards, mainly due to fraud concerns, but it is now becoming even more common practice due to the risk of spreading COVID-19 through cards.
Achieving financial inclusion through contactless payments
Financial inclusion is one of the key principles of the South African Reserve Bank’s “Vision 2025”, and an important drive in South Africa. While most South Africans do have a bank account and card (80%), there is still a very high reliance on cash with many having limited access to other financial products such as credit and insurance.
Approximately 90% of shops in the informal sector run entirely on cash, despite interest from their customer base to pay with their card. This issue is mainly due to card acceptance challenges at the SME merchants and in rural areas. A widespread rollout of Point of Sale (POS) devices across the informal sector would be necessary to enable card acceptance.
New entrants in the POS market are increasingly providing devices linked to mobile phones priced more favourably for the smaller business market.  As these continue to roll out, the opportunity to see wider use of card payments will increase countrywide. In addition, new entrants are offering micro-transaction platforms (using QR codes) which allow for both the making and receipt of low-value payments in a contactless way. This certainly supports financial inclusion.
We are seeing the entrance of new banks, sometimes called challenger banks, who offer their services digitally. SA is no exception. Digital banks don’t invest in branch infrastructure and as a result, are able to reduce their costs and aim to offer their services at a lower cost than their traditional competitors.  In South Africa, we have a new digital bank which is clearly focused on financial inclusion. Apart from offering a digital service, they have also set up retailer partnerships to reach their customers, deploying kiosks countrywide.
Regulations to assist in mitigating against financial fraud
Payment systems play a vital role as a foundation for deepening financial inclusion by providing access and effective use of formal financial products and services for all Africans. This is key to ensure secure and safe payments.
Biometrics stored in a central location, providing the customer with a digital ID, is the perfect solution to providing an enjoyable customer experience with a high level of security. Implementing a central digital ID within the African context is not a simple task and poses challenges, such as working with specialised infrastructure that is not optimal, dealing with unreliable connectivity, managing hardware malfunctions and addressing ID duplications. High incidences of fraud and lack of trust were raised as key impediments to the adoption of electronic payments, which drive the call for more regulatory and enforcement efforts.
There are also key aspects that need to be addressed, such as access and exposure to the protection of personal information, the management of data breaches, compulsory versus voluntary participation and the inclusion of foreign nationals residing in another country.
If the various industry players continue to move towards greater interoperability, the end result must be an increase in payment offerings which answer to customer needs with greater effect and address the concerns around minimizing contact during the period of COVID-19 and beyond. This, in turn, will have the benefit of improving the customer experience, increasing adoption of digital payments and reducing cash dependency and contact, ultimately leading to improved financial access across the continent.
By Akiva Ehrlich, Deloitte Director of Risk Advisory Africa and Payments Leader
Edited by Luis MonzonFollow Luis Monzon on TwitterFollow Tempemail on Twitter

Tempemail , Tempmail Temp email addressess (10 minutes emails)– When you want to create account on some forum or social media, like Facebook, Reddit, Twitter, TikTok you have to enter information about your e-mail box to get an activation link. Unfortunately, after registration, this social media sends you dozens of messages with useless information, which you are not interested in. To avoid that, visit this Temp mail generator: tempemail.co and you will have a Temp mail disposable address and end up on a bunch of spam lists. This email will expire after 10 minute so you can call this Temp mail 10 minute email. Our service is free! Let’s enjoy!

eftpos to halve contactless fees from July – Finance – Hardware – Networking- Tempemail – Blog – 10 minute

Australian-made electronic payments platform eftpos has fired-off a major pricing broadside in its battle to challenge Mastercard and Visa’s entrenched systemic hegemony over contactless debit payments, halving its interchange fee clip to just two cents a throw for smaller merchants who route via the local scheme.
The move, which will take effect from 1st July and broke cover after eftpos necessarily flagged the change with regulators, comes on the back of the continued COVID-19 economic slowdown and a sustained push by struggling merchants to get their banks to route tap transactions onto cheaper payments rails.
Debit transactions made over eftpos’ infrastructure currently carry a flat interchange fee of four cents, but this will fall in the new financial year two just two cents, thus substantially strengthening the case for banks to more heavily promote least-cost-routing (LCR) that has been vigorously opposed by Mastercard and Visa.
The fees banks charge merchants for payment facilities have come into sharp focus during the COVID shutdown, with most banks now essentially parking recurring fees – like terminal rental, merchant service and account keeping fees – for businesses that are not trading or in hibernation.
What’s much less known is that the big hygiene push to get customers to tap for transactions has created an overnight bonanza for multinational credit card schemes Visa and Mastercard because they, in conjunction with banks, route most contactless debit transactions down their own credit rails.
The big hygiene windfall will likely be turbocharged by major grocery retailers bumping the PIN-free ceiling for tap transactions up from $100 to $200, as revealed by iTnews in April.
Transaction routing costs remain a red hot issue for merchants, because it’s shopkeepers who wind-up wearing the costs of card acceptance – one of the reasons lower margin businesses attempt to claw back fees through card surcharges or refuse to accept the likes of American Express.
Initially a point solution for lower value transactions at quick service restaurants (eg Maccas), vending machines and so-called unattended purchases (like pay-at-pump for fuel), contactless transactions, usually without a PIN, have now grown to become the norm.
The ongoing issue regulators and merchants face is that without intervention, global schemes like Mastercard and Visa will smother low-cost domestic competitors like eftpos – in which the banks and retailers have a collective stake in – and essentially own the market and pricing power with it.
A significant challenge for eftpos has been persuading banks to promote or offer least cost routing as the default setting for payment rails, especially for tap transactions.
There are similar issues for routing digital and online transactions, where eftpos also recently launched a capability for debit, an increasingly important issue for omnichannel merchants. 
Also dubbed merchant-choice-routing by some banks, the measure works by allowing the merchant to stipulate what payments rails their transactions trunk through – rather than the banks deciding for them.
Until COVID hit, banks generally had given least-cost-routing a fairly tepid support, not least because their card-issuing arms made more money from meaty interchange fees than their acquiring arms, which supply banking services to merchants.
That situation was not helped by major retailers being schmoozed by credit card majors to issue their own branded plastic like the now defunct David Jones American Express Card or the Coles or Harvey Norman Mastercards.
The big regulatory shift over the last few years has been Reserve Bank of Australia pressure to push down interchange fees and re-weight how they are spread to address global schemes gaming the system.
However the impact of those gradual regulatory changes to restore competition in the Australian market, which were doggedly fought by global schemes, has now likely been diluted because of how COVID has changed Australia’s payments landscape.
The contactless-by-default setting of many merchants during COVID, and for the foreseeable future, raises the logical question as to whether stronger measures, like mandating least cost routing as the default setting for debit unless a merchant opts for a pricier option.
The fact that eftpos has now halved its interchange fees to two cents now acts to strengthen the case for that mandate to prevent a hegemony being re-cemented back into position after more than a decade of reforms.

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PayNearby partners with IndusInd Bank for contactless payments at over 2 lakh Kirana stores- Tempemail – Blog – 10 minute

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In its bid to simplify ordering, payments and delivery of essentials during the lockdown, PayNearby has now expanded its hyper local discovery and purchase application ‘BuyNearby’ for Pan India operations with IndusInd Bank as digital payment partner.
The app has helped over two lakh kirana shops across the country take their stores online. Besides local kiranas, the platform hosts a wide range of retailers including – grocery stores, pharmacies, sweet stores, supermarkets, milk and dairy products, branded specialty stores, gift shops, and meat shops, among others thus catering to a wide range of customer needs.
This app, in addition to helping order from nearby retail stores, will also enable the citizens to make UPI, BHIM Aadhaar and other Digital payments on the platform built by PayNearby in partnership with IndusInd Bank.
With BuyNearby, customers can now identify their nearest local kirana store and order while choosing from a wide range of products. Besides easy access to daily essentials, the interactive app allows customers to pre-order and pre-schedule deliveries, with the option to pay digitally, thus helping observe social distancing and also championing honorable Prime Minister’s vision for going local.
The offering which was initially introduced in Mumbai and Chennai on a pilot basis has now been expanded across over two lakh retail touch point’s Pan-India. BuyNearby aims to ramp up its presence significantly at a rapid scale in the near future.
Besides easy product discovery, it also offers 24×7 ordering facility whereby one can place an order on the BuyNearby app anytime even if the shop is closed. The tech enabled platform will also help customers to track their order and discover substitutes if the required item is not available.
Additionally, the platform enables consumers to confirm selection and changes before placing an order whilst supporting digital payments at the time of delivery or in advance. With a wide range of retailers on the platform, BuyNearby seeks to cater to the needs of variety of customer demands.
Retailers on the other hand can receive orders on their apps, and in turn, place bulk orders to their distributors from time to time, on the basis of prompts in the App for stock out possibility, creating a seamless supply chain connectivity. Since Retailers will be able to accept digital payments, they will be able to pay to their distributors digitally on the new age technology platform built by Nearby Technologies with IndusInd Bank.
This will increase efficiency and enable them for digital commerce. The platform offers multiple payment options, allowing them to cater a wide range of customers and increase their consumer base. In cases where the Retailer intends to maintain Khata for credit to customers, the retail can use the Customer Khata feature in the App seamlessly with the orders.
Customers coming to the store will also have an option to avail a wide range of financial services generating additional income for the retailers. Also, with the amount of transaction data generated for the Retailer, they will be able to avail loans from platform and partner Bank and NBFC
Distributors, too, receive real-time orders from retailers, further improving the delivery network, while the interface helps improve stock visibility. It also allows them to view team movement, analyze sales data and track stock with ease. Key benefit is that the app clubs all orders from a particular area so that aggregated orders can be delivered with ease of logistics, rather than delivering them separately, thereby saving on time and travel costs.
Anand Kumar Bajaj, MD & CEO, PayNearby said, “The kirana store has been a crucial part of the Indian economy as well as the social fabric. It enjoys a very high level of trust and familiarity for the citizen. Even through the pandemic lockdown, the humble kiranas in the neighborhood has stood tall offering seamless access to daily essentials like on Tempemail Duty. BuyNearby aims to empower our local kirana stores, by blending easy to use digital technology with last-mile connectivity. With the initiative we also aim to diligently drive our honorable PM’s vision of ‘Aatma-Nirbharta’ and his call for ‘local’ by supporting local businesses and helping them evolve into retail powerhouses. Retailing to the power of Digital Payments is a win-win for our partner IndusInd Bank, the FMCG, Citizen and the Retailers.”
PayNearby offers a host of financial and non-financial services to the underbanked and unbanked, through its 8.5 lakh retail touch points. The company for the past four years, has been working diligently to bridge the urban-rural divide in terms of accessibility to financial services. With the PM’s recent address, emphasizing on self-sufficiency and the importance of going local in the current scenario, BuyNearby is giving the local retail store a digital presence, and is all set to champion the way kirana stores are utilised in the country.

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‘Avataar.me’ Deploys AR To Provide A Contactless Experience- Tempemail – Blog – 10 minute

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How do you think the AR sector will upsurge in the near future?
Pre-COVID the estimates for the Marketing and Commerce AR were around USD 2 Bn in 2020 and are estimated to reach USD 20 Bn by 2023. We expect the trend to accelerate further post covid as there has never been a greater need to bridge the online and offline experience gap. With ‘contactless’ to be a new normal, consumers will demand contactless experiences and all commerce is expected to be ever more digitally influenced.
What different approach has Avataar.me taken to enhance the AR/VR industry?
Our deep tech capabilities are unparalleled in the AR/VR industry. Our patents and IP differentiate us on photo-realism, scalability of AI, topology preserved compression, run time rendering on the lowest spec smartphones, and delivering highly interactive experiences. This helps us drive very high emotional engagement and impulse with consumers, delivering full-funnel outcomes for our brand and commerce partners.
Avataar’s platform works in a plug & play fashion for our partners – our deep-learning AI directly converts 2D photos and videos to life-size 3D from existing 2D inventory of images and videos, helping brands immerse their consumers in life-size AR visual discovery – from trying apparels, makeup and accessories on yourself, to trying furniture in your living room, or a life-size car in your backyard – we can do it all! Our AR platform embeds into our brand’s social pages as well websites/apps to offer plug-and-play experiences at scale.
Moreover, our unique capabilities have enabled us to enter partnerships with global brands and social platforms like FB and Instagram.
What are the new technologies that expect you to accelerate in your field?
Avataar is working towards deeper penetration of AR/VR into the action plan of partner businesses to grow exponentially. Social AR is already working well and we are working hard to unleash our first to market WebAR capabilities to help Auto, Home Improvement, Apparel, FMCG and Electronics customers drive tangible at-home discovery and delight.
While Lifesize 3D is here and now and substrate independent reaching over 3.0 Bn users, true AR penetration is 15 – 20% currently but expected to ramp up significantly with better smartphone camera hardware and experience a step jump once AR glasses become commercial and mainstream in 2023 and beyond. (Apple has already announced untethered AR glasses by 2023).
How technology and AR can help in an increasing need for contactless experience?
Today of the nearly 3Bn + smartphone, nearly 55% are AR-enabled and this number will grow to 80% over the next 2 years. Over the last decade, the advent of technology has been driven by mobility and convenience, unlocking multi-billion in businesses and industries that could enhance consumer lifestyle. Apart from mobility and convenience, AR brings in a third vector of safety/hygiene where tangible high-quality product discovery can happen from the safe confines of your home. AR’s unique capability to bridge the online-offline experience makes it the only scalable technology that can drive true omnichannel discovery and purchases, in a post Covid world.
The technology will eventually be all-encompassing and AR/VR use cases will extend to healthcare and education, enterprise productivity and telepresence, industrial applications like Auto and Heavy engineering … beyond just digital and digitally influenced commerce.
What are your immediate and long term objectives?
Our immediate objective is to rapidly accelerate our business partnership capabilities to the big AR/VR markets globally (India/US/UK/Japan/SEA) – to partner with the top 50 digital clients in key geographies, within Auto, Home Improvement, Apparel, FMCG and Electronics categories. The long term objective is to be a globally dominant AR/VR powerhouse shaping the future of the industry.

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RBL Bank offers Contactless Banking Services amidst COVID-19- Tempemail – Blog – 10 minute

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Aligned to the ‘New Normal’ of social distancing and contactless transactions, RBL Bank, goes live with several Contactless banking initiatives, eliminating the need for physical contact amidst these unprecedented times of COVID-19.
The Bank is looking at an increased thrust on digital to offer new age facilities to its customers. It introduced a host of interesting digital initiatives to ensure seamless, contactless and convenient banking experience. It provides a range of services on WhatsApp with real-time updates, including information on account balance, credit cards, products and even opening of new digital account. The Bank also launched instant digital bank account opening from anywhere in India, with a completely paperless onboarding, powered by Video KYC. It is also offering a Virtual debit card in its Mobile app enabling contactless transactions without the need for plastic cards.
Surinder Chawla, Head – Retail Liabilities and Wealth Management, RBL Bank said “Adoption of digital channels has grown by 98% during the year. Our digitally acquired savings account grew 4X during the lockdown period and we anticipate it to grow to 10X in the next quarter. We also expect the digital wave to continue as more customers realise the many benefits of banking on-the-go, especially given the need for safety and hygiene protocols in these times. We will continue our investment in technology and analytics to offer an enhanced service experience to our customers and also bring in more new age facilities.”
The Bank’s recent initiative, its chatbot “RBL cares”, has responded to more than 1 million customer queries in a month in the lockdown period. The Bank’s ‘MoBank’ app has been consistently rated above 4.5+ in the playstore, with unique features like Remote Wipe of the app in case of loss of device, biometric login and branch related transactions like submission of 15 G/H and Re-KYC etc.
The Bank has extended a robust and secured infrastructure through its digital channels like Mobile Banking, Internet Banking, Chat Bot and WhatsApp. Some of the additional contactless banking features include Tap & Pay, Scan & Pay, Debit and Credit Card control, booking Deposits, investing in Mutual Funds, getting a loan and payment of taxes.

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Tempemail , Tempmail Temp email addressess (10 minutes emails)– When you want to create account on some forum or social media, like Facebook, Reddit, Twitter, TikTok you have to enter information about your e-mail box to get an activation link. Unfortunately, after registration, this social media sends you dozens of messages with useless information, which you are not interested in. To avoid that, visit this Temp mail generator: tempemail.co and you will have a Temp mail disposable address and end up on a bunch of spam lists. This email will expire after 10 minute so you can call this Temp mail 10 minute email. Our service is free! Let’s enjoy!

Barista deploys contactless take-away ordering and payments service- Tempemail – Blog – 10 minute

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By deploying the Dotpe’s “Scan-Order-Pay” feature, Barista outlets in Gurgaon can take orders and payments through the customer’s phone while maintaining social distancing. Customers can simply scan a QR code placed outside the takeaway window and the entire menu of Barista will pop up on the user’s mobile phone browser. The customers can then place an order by adding items from the digital menu and pay using regular online payment methods. Once their order is ready, Barista pings the order details to the customers on their Whatsapp number and they can pick it from the take-away counter with zero manual intervention.
A technology startup, DotPe provides novel digital transformation and commerce solutions to brick and mortar outlets. It aims to revolutionize the offline-to-online market space by combining fintech capabilities with extensive customer engagement offerings. By offering its digital ordering solution to most cafés of Barista across India in the next few weeks, DotPe intends to help them drive streamlined business operations while following social distancing & safety norms.
Once the situation normalizes and Barista also plans to start home delivery and contactless dining services through DotPe. Orders can either be placed online for home delivery via WhatsApp or by scanning the QR code placed at the cafe tables.
Speaking on the partnership, Shailaz Nag, Founder DotPe said, “Given social distancing will be a way of life even after the lockdown is lifted, now is the time to restore confidence among the customers who want to order their coffees, essentials, and delicacies but are worried about safety. At Dotpe, we’re thrilled to go live with our “Scan-order-pay” solution at Barista cafes in Gurgaon. The uniqueness of our platform is that end customers don’t have the hassles of downloading any app and can start ordering by simply scanning the QR code, placed outside Barista, once. The commerce and payments happen on the user’s mobile browser while the post-transaction communication, customer invoicing, feedback, etc. shifts to WhatsApp. i.e. Barista can directly interact and engage with its customer on WhatsApp, once the customer has placed the order and paid successfully through Dotpe.”
Rajat Agrawal, COO at Barista Coffee Company said “The pandemic has impacted every industry and nearly all facets of everyday life. The normal rules of engagement at café level have changed literally overnight with contactless delivery now a fundamental requirement. Customer safety & contactless transaction is of prime importance to us. To deliver the best in class services while maintaining minimal human touch, we launched our own contactless ordering & payment offering by deploying Dotpe’s innovative QR based ‘Scan-Order-Pay’ solution. So far, we have seen 15-20% of takeaway order volume is being contributed through this facility, which is quite an encouraging trend and further strengthens our confidence in the contactless ordering and digitized payment economy. Furthermore, Dotpe acts as a single stop shop for us to accept orders and payments digitally and at the same time we can interact with our customers over WhatsApp directly for functionalities like digital receipts, feedback, repeats orders etc. Commerce & payments stack helps us to build our own digital channel and we plan to offer contactless dining too once normalcy sets in”.

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Contactless hand sanitisation: How officials in PMO, Rashtrapati Bhawan, SC are keeping their hands sanitised- Tempemail – Blog – 10 minute

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All government offices and residences of notable personnel, including Rashtrapati Bhawan, PMO, Supreme Court, Ministry of Home Affairs, among others have been equipped with DRDO and Riot Labz developed OakMist, contactless sanitizer dispenser which sprays alcohol-based hand rub sanitizer solution. Following an advisory on MHA for Lockdown’s phase 3 on contactless sanitization, the product has been made available for masses today, and is available for pre-booking at https://oakmist.com
Named OakMist, the product is based on water mist aerator technology, which was developed for water conservation. The unit operates without contact and is activated through an ultrasonic sensor. A single fluid nozzle with low flow rate is used to generate aerated mist to dispense the hand rub sanitizer. This sanitizer the hands with minimum wastage. Using atomizer, only 5-6 ml sanitizer is released for 12 seconds in one operation and it gives the full
We frequently touch our eyes, nose, and mouth throughout the day. According to recent research, the number of times we touch our faces can be anywhere around 23 to 50 times per day. OakMist is a must for all establishments, commercial and noncommercial to ensure utmost safety against Coronavirus.
The unit has already been installed in major government offices including DRDO Bhawan, PMO, Ministry of Home Affairs, Ministry of Finance, Army offices, Supreme Court and other premises. “India’s fight against the novel Corona can only be won by adopting healthy health habits, sanitization being prime of all. Riot Labs is taking this innovation across the length and width of the country.” said, Shishir Gupta, Founder and CEO, Riot Labz.

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South African Consumers Make the Move to Contactless Payments | Tempemail – Blog – 10 minute

As South Africa imposed necessary restrictions on social distancing in March, three-quarters of South African consumers (75 per cent) say they are now using contactless payments, citing safety and cleanliness as key drivers.
Consumer polling by Mastercard, studying changing consumer behaviours in 19 countries around the world, paints a picture of accelerated and sustained contactless adoption.
“The act of buying everyday supplies such as eggs, toilet paper, medicine and other necessities has changed dramatically, with shoppers having to adjust to social distancing measures and other new challenges,” says Mark Elliott, division president for Mastercard Southern Africa.
“According to the new Mastercard study, this shift in behaviour is particularly clear at checkout as people express a desire for contactless and voice concerns over cleanliness and safety at the point of sale.”

In fact, findings from South African respondents show:

Contactless Move to Top of Wallet – Perceptions of safety and convenience have spurred a preference for contactless cards and reminded consumers of the convenience of tapping. Nearly half (47 per cent) of South African respondents have swapped out their top-of-wallet card for one that offers contactless.
Confidence in Contactless – The disruption has led to increased concern from consumers on cash usage and positive perceptions towards contactless due to the peace of mind that it provides. Forty-four per cent of South African respondents said they have reduced their use of cash while 20 per cent say that they do not use cash at all since the pandemic began. Eighty-seven per cent of South African respondents are concerned about the cleanliness of signature or touch pads, and the majority (88 per cent) view contactless as the cleaner way to pay. Furthermore, 79 per cent say contactless payments are faster than cash, enabling customers to get in and out of stores quicker.
Contactless is Here to Stay – Sixty-nine per cent of South African respondents agree that contactless is now their preferred payment method, with 71 per cent stating that they prefer shopping at merchants that accept contactless. The majority (78 per cent) also say they will continue to use contactless post-pandemic.

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Venture Catalysts backed peAR, a pioneer in contactless dine-in ordering has made its services free to restaurants to fight COVID-19- Tempemail – Blog – 10 minute

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In view of the increasing cases of coronavirus in India, peAR Technologies, a Venture Catalysts portfolio company, is offering restaurants free access to its contactless dine-in ordering feature. The Mumbai-based deep-tech startup has also waived off the listing charges for new restaurants. As social distancing becomes the new norm, the initiative by PeAR will enable customers to place orders from their favourite restaurants without making any physical contact.
Through these features, customers can visit any of the company’s partnered restaurants, scan the QR code on the table, view the menu in 3D Augmented Reality, order multiple courses from their phone and pay the bill online at once, thereby eliminating key touchpoints like menu cards and bill books and reducing interaction with server staff as well. Equipped with a unique 3D menu feature, peAR will allow them to view 3D images of the dish before placing the order thus helping customers make a more informed decision. Customers can also avail up to 50% discount on their orders made via peAR’s app without having to subscribe to a membership like Zomato Gold or DineOut Gourmet Passport. Thus enabling the golden trio of contactless menu, contactless ordering and contactless payment, they are making dining out extremely safe.
Speaking on the development, Dharmin Vora, co-founder of peAR Technologies, commented, “We have always believed that it’s much more convenient and hygienic for customers to view the menu and order from their phones inside restaurants. However, it has now become a necessity for restaurants to remove high-touch, non-sanitized objects like menu cards and bill books amidst the COVID-19 crisis. We were already seeing a change in consumer habit wherein people preferred viewing images and 3D models of dishes while ordering at restaurants, and this pandemic will only accelerate this shift. We are currently in talks with the NRAI to mandate contactless ordering inside restaurants post lockdown to ensure the safety of customers and make them feel comfortable dining out once again.”
Adding to this, Dr Apoorv Ranjan Sharma, Founder, Venture Catalysts, said, “We are certain that the pandemic will bring a permanent shift in the way people have been ordering food inside restaurants. The peAR team has the ability to help restaurants cope with this change, while making it more convenient and safe for customers to dine out after the lockdown is lifted. As India continues its fight against COVID-19, peAR’s decision to offer its services for free is commendable. We are proud to be a part of their endeavours and we look forward to supporting their journey ahead.”
As part of its commitment to customer safety, peAR is also recommending its partner restaurants to use one-time cutlery and educating them about hygiene practices to be followed once the lockdown restrictions are lifted. Additionally, it has started providing hygiene ratings for each restaurant so customers can stay informed. Apart from that, the startup plans to launch a CSR campaign post lockdown to feed one underprivileged family for every 100 orders processed via its app.

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