Copyright 2012. All rights reserved, Mobile Wallet Media, Inc.      News & Opinion on the Future of Mobile Payments & Commerce!
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About Us
Mobile Wallet Media is a media, consulting and analyst firm focused on the future of innovation in mobile commerce. The author, Randy Smith was the primary founder, inventor and former CEO of MobilePayUSA. This company launched at TechCrunch Disrupt in the Fall of 2010 as a Startup Alley Winner. He recently launched MyCreditVault, showcasing a solution to end ID Theft and provide a secure future for all financial transactions.
Randy is the Founder and Chief Editor of Mobile Wallet Media. Randy earned a degree in Business Administration from Azusa Pacific University ('91). In 1994-5, his company, Good2Go Restaurant Delivery, piloted take-out food delivery on behalf of Ruby's Diner, Black Angus, Z-Pizza and others. Good2Go was Restaurants on the Run's first acquisition. This company taught Randy much about retail marketing and having a network mind set. It led to designing one of first Social Networks in 1999 (like Plaxo Shared Address Book + social network to share with friends & family) and Social Circles in 2008 (just like Google+). Neither software project made it to public beta, but provided a track record of having an accurate view of future trends that would come to dominate Internet and communications.
About Randy Smith
In 1996 Randy came up with an idea for a Universal Payment and Loyalty Card. He saw that such a card would provide unparalleled convenience, and after years of R&D, it lead to the invention of MobilePayUSA. Randy left MobilePayUSA in 2012. Linkedin profile

Randy has no qualms about calling it as he sees it. He believes that knowledge is like a mountain to be climbed whereas the higher you go, the further and with more clarity can one see. Yes, he is an avid hiker and says hiking helps him solve problems and form new ideas. It is his belief and assertion that he has gained an in-depth understanding of card and mobile retail payments, security, loyalty, POS software, marketing, advertising and social media. This, he implies, enables him to have a 'Universal or Holistic view' of the entire mobile and retail transaction chain and is one upon which a reliable platform for the future of mobile commerce may be built upon. He acknowledges that his time and resources are limitations to attain comprehensive viewpoints, but the freedom he has had to focus pointedly on research and development of choice for the past 16 years, is what sets his viewpoint and opinion apart from the rest. He knows these are bold statements, but he says "The past is the best predictor of future."

He wants to make it clear that any knowledge shared, that proves to be wise, is not of his own (if it is dumb it is of his own), but gleaned from much wiser sources than himself - quite often of which, the source is God. He is open to offers he cannot refuse, to not broadcast key insights here and instead funnel them to just one company.
Media Partners
The company mission is to highlight industry innovation and provide insights and opinions that will be relevant and forward-looking. To provide direction and strategy for retail service providers, FIs and retailers.

Mobile Wallet Media will aggregate relevant news on mobile payments, loyalty, daily deals and social commerce. The site will also provide expert opinion and analysis on the direction of the mobile commerce industry. Mobile Wallet Media on Facebook & Twitter is an interactive community to comment on current news stories & articles.

Call for Industry Expert Guest Bloggers and Authors
We are currently seeking additional expert authors to publish contemporary articles on mobile: payments, commerce, marketing, security, POS, Daily Deals, loyalty, virtual currency, mobile wallets and related. Well known and relevant industry experts please email links to white papers or published articles to for consideration:

Vision Statement on the Future of the Mobile Wallet
In the next 5 years retail point of sale technology will change radically. The mobile wallet will be become the hub of all financial transactions. The way we pay, find products and discounts, support causes and redeem tickets, daily deals, gift cards, coupons, rewards and offers will all be performed through a single, simple to use and secure mobile wallet.

It will also be the gateway to retail reach. Ads and promotions will be generated by past purchases, current location and social media influence. The mobile wallet must be consumer-centric and turnkey for merchants and consumers to engage. The mobile wallet must work as simply and seamlessly as your debit or credit card does now for retail, e-commerce, Pay at Table, Pay at Pump, wireless or ATM transactions, all without major changes at point of sale.

Our financial transactions will be secured through real-time mobile GPS and pin or biometric authentication.
The sharing of social security, bank account or bankcard numbers will no longer be a necessary risk to complete transactions. And the mobile phone will be used to lock and unlock doors, autos, PCs, devices and even your credit file or credit card.

SuperCommerce Series
Are you ready for a thorough, objective and forward looking analysis, providing actionable information to make more informed decisions? Ready or not Mobile Wallet Media intends to be bold to expose solutions that will fail and highlight solutions that will win. We have the goal to propel mobile payments forward by boldly forecasting the direction of the mobile and retail payments industry. We may project winners, losers and acquisition targets. If your company or current investments are in the arena of the the Mobile Wallet, Daily Deals, loyalty, advertising or social media then you CANNOT afford NOT to read this series! Gain new and innovative insights! LEARN why, what and how the game will play out. The ideas presented could spur new competitors or give your competitors ideas, information and knowledge you never wanted them to have access to. It may spur boldness by merchants, POS companies, processors and other even more dangerous competitors to take away your competitive advantage or relevance in the marketplace.

Outsource Research and Gain Insights Found Nowhere Else!
Since 1996 Randy has focused on research and development to deliver a universal, seamless payments and loyalty card, and wallet requiring the least friction to adopt, scale, is simple to use, is secure and rewarding for merchants and consumers alike. Save hiring another R&D person or buying several reports that only compile research and DO NOT provide actionable information, direction, strategy or solutions. Be better equipped to make better decisions.

What is your mobile strategy? What is right for your company? Feel free to reach out and inquire about hiring us for direction and evaluation of your current and planned products and services. We also offer tech startup consulting. The first 15 minutes are free with the purchase of $200 in advertising. In person consulting also requires cover of all travel costs. We also are very open to collaborate with other consultants to assist in providing an "alternative perspective." Nowadays, with the pace of change in social, local and mobile, one cannot get enough expert perspective and feedback to assist in strategy and execution.

Guest Bloggers and Media Partners
We are very interested in partnering with top industry: executives, consultants, bloggers, writers and media sites to contribute to our site through adding content, articles or a mutually beneficial media partnership.
Learn more

Want to gain Randy's perspective for an upcoming article you are putting together or to appear as a Guest Post? If you are a professional blogger or media organization reach out to us:

Randy is open to making appearances at industry events as a panelist or presenter.

We would love for you to be our partner in media or sponsorship! Visit our partners page for more details.

Media / Partner Relations
This video was miraculously produced in less than a week (script to completion) back in August of 2010. It was used to quickly explain my vision for the future of mobile commerce and mobile wallets for MobilePayUSA, a TechCrunch Disrupt Startup Alley Winner in 2010, SF. If you'd like a referral to the producers of this video then please contact:
2012 - SuperCommerce Series
Search, Social or SuperCommerce?
The key to commerce shall be the seamless completion of the value and convenience chain for consumers and merchants alike.
How may Google, Facebook and First Data disrupt Daily Deals? Will EVOLUTION lead
to REVOLUTION? How about M&A?
Daily Deals Manifest Destiny
Can one live on deals alone?
Tour D' Mobile Payments
Mobile Wallet & Main Street
PayPal, Google Wallet, ISIS, Square & more. What are the barriers to adoption and how they may be overcome?
The Future of Money
See the 2020 Vision!
Where will payments be in 2020? Will mobile over take cards & cash? Learn how a 'Secure, Social & Rewarding' wallet will disrupt it all?
Bridging the POS GAP
Disruption is Overdue!
NFC is Tortoise and the 2D Bar Code is the
hare. Retailers, simplify the myriad of choices!
Learn how DISRUPTION is RIPE for 2013!
Greed is NOT GOOD!
Cause Commerce IS!
Cause Commerce can set you apart! Learn what it is, why it will soon be, non-optional, and how it will add to your Social Brand.
Loyalty LIKE Never Before!
SuperCommerce is Seamless!
The convergence of Social & Rewards is here!
Learn how Top of Mind & Automation will rule! Maximize, Mobilize & Unify Ads & ROI!
Companies and leaders, to remain relevant and profitable, must embrace innovation or risk becoming irrelevant or extinct.
Top 5 Killers of Innovation!
What stands in your way?
HDTV - High Def. Total Vision Where are your Blind Spots?
Connect the dots! See the big picture!
If your Mobile Strategy is unclear, you may be
missing key pieces. Get a holistic perspective.
2013 Series
The 'Disruptive Innovation Meteor' named MOBILE has struck the world's of retail payments, banking and marketing. Firms wanting to survive, compete and win in this new environment must adapt by embracing disruptive innovation or risk becoming irrelevant or extinct. Read story

Disruptive Innovation and Dysfunctional Dinosaurs
image source:
Discussing the Future
of Mobile Commerce!
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