My craziness about Starbucks prompted me to download its mobile app and I have been using it for a while now. But after using it for a good number of days and becoming familiar with it, I realized that it is more of a mobile payment app combined with a loyalty program, store locator and a debit note. Apart from this, many other features were integrated into it to keep my interest alive.

Experts say that business owners should carefully mull upon how the mobile payment app would set fit in their overall enterprise mobility program rather than just going for it with an unplanned approach. I think this is a very critical point and I will be adding a few points that should be considered by business owners before integrating a mobile payment system in their enterprise apps.

Integrating rewards programs – According to a survey conducted by Compete, more than 30 percent business owners engaged in selling their products electronically downloaded mobile loyalty apps to integrate with their enterprise apps. It would be great, if your app and your business loyalty program are integrated with each other, as it would not only save a reasonable amount of time, but also money. It will do this by combining loyalty card and debit card into a single tap. In addition, it would encourage more people to join with your business because of the popularity of your loyalty program.

Tracking financial records – I have been a frequent user of mobile payment apps and used them from various brands and companies. One thing common in all is that every payment reflects on my financial records immediately. In a survey conducted by Accenture some time back, 60 percent mobile app users said that they would prefer to pay through mobile payment apps, if they keep track of receipts. Around 56 percent agreed to use them, if they could manage their personal finances. Business owners should comprehend the importance of these two features and integrated them in their mobile payment apps.

Keep focus on the UX – The standard way of downloading an app enterprises of reading the reviews and comments it has received and this has to be done in advance. Any negative review could be a sign that the app is not fit for professional use and can not store user data and information securely. Thus, business owners should test their apps on toughest parameters to ensure that all these issues are ironed out before the app reaches its final destination ie the customer's smart phones. I am sure, you would never want to lose customers because of an issue that could have been fixed but you overlooked it. Apart from this, the business owners should make sure the making payment from their mobile app is easier than swiping a credit card.

Security – Although I have placed this point in the final section of my write up, it describes a more valuable position in the minds of business owners looking to integrate a mobile payment system in their app. Maintaining security is absolutely essential not only for mobile payment apps but also for the enterprise enterprise mobility program. The reason is the same – safety of the sensitive and confidential data stored in the server because mobile apps can access corporate servers from anywhere anytime. Consumers are always related from using an unknown technology, especially when they are familiar with every aspect of the technology that they are using at present. Before, business owners should see that their mobile app is protected from every external threat. They key is to make your users feel like at home, when they use your enterprise mobile app and the integrated mobile payment system.


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