An industry reliant on faxing...

In a world of billions of web pages, natural use of email and tightly integrated web services - why is the fax still important for business in 2010?

The word fax derives from the Latin word "fac simile", meaning "make similar". The first patent for a fax was recorded in 1843 by Scottish inventory Alexander Bain who created a pendulum based back-and-forth line-by-line scanning mechanism. The first commercial fax machine, named the Pantelegraph, invented by Italian physicist Giovanni Caselli went into production in 1861. Fax machines were invented and in commercial use almost 15 years ahead of the invention of the telephone!

Whilst the fax machine has had a fair number of competitors over the years, it's still here and we see the number on the footers of our emails and the adverts in the paper. It's the easiest way to securely send a document quickly. Business' still don't trust the internet for the delivery of data; often we receive DVDs or memory sticks hand delivered with a small excel file due to the authors not trusting the delivery of sensitive data via email.

We all understand the fax is also sent over the telephone network and it's just a print out at the other end - so why fax over email? Emails can send encrypted files, but the end users may not have the relevant skills or software to decrypt the file. As a rule email is NOT secure. As the Met Police advise, you should never send any confidential information to anyone through email.. Moreover from a suppliers point of view accepting credit card numbers by email may be in breach of merchant agreements, and lead to penalties being imposed by banks.

Receiving a printed document still feels tangible - something you can touch - and important, just as you were to receive an invoice from a supplier, therefore it's still managed with care and attention.

Acceptance of faxes within hotels is a natural business requirement and an entire workflow runs from the messages received via faxes. Our Conferma Settlement Platform (CSP) utilises faxing technologies to communicate the payment details in a PCI DSS manner. It wouldn't be possible to communicate payment details/card data to hotels via any other standard delivery manner that is secure, accepted and with a prompt delivery time.

To remove the fax communication to the hotel entirely online booking systems and suppliers should adopt functionality to accept explicit payment details and payment restrictions. This is some years away from reality, until then the fax is here to stay.

Enabling Mobile Payments

With the launch of the iPhone App Store came a revolution, a restart and repositioning of what mobile applications should be. WAP was dead and mobile optimised websites were simply not good enough. Along came the mobile application; responsive, online, location aware and functional. Chasing after Apple's App Store came the Nokia Ovi Store, Windows Mobile Marketplace and Googles Android Market - each with their varied success, but all with a fresh look at enabling mobile applications for the end user. From games to sports, education to entertainment, navigation to news, productivity to photography - the applications available are broad in their appeal.

The highest downloadable applications have to be games - simple, addictive and on-demand, which are free in many cases. Newer games on all platforms are also coming into line with established handheld gaming devices such as the Sony PSP or Nintendo DS.

With regards to business applications however, download volumes are small. The availability of good business applications, be it hotel booking or general procurement applications are few and far between. There are many applications that provide location based hotel search, where the look to book ratio must be exhaustive. Mobile booking just isn't trusted. There are a few reasons for this; the client is using his or her phone so may as well dial the agent for them to book, the applications are not that user friendly or simply due to a slow connection speed where disconnects are frequent. However, one key issue stands at the fore, payment. Users still do not trust entering their card details into a phone for security reasons... Not to mention the vision of Mr Jones, the salesman, sat in a car park at 8pm, payment card in one hand, phone in the other - manually typing the card details into a phone with a sensitive keyboard or keys that are too small for his fingers. Not a great user experience.

Other attacks at the mobile payments are from the likes of PayPal or Google Checkout with mobile wallets, these are cumbersome in their implementation involving text messages and PIN numbers for authorisation.

Mobile purchasing only works successfully where you already have a card stored with the owner of the application, for instance you've stored your card on your Amazon account via the Amazon website, or your card details are already stored with Apple via iTunes. Essentially the accepted payment method, in a mobile purchase, is one click purchasing.

Earlier this year we launched the CSP On-Demand API, giving third parties access to the award winning CSP Platform in their own applications. This is being successfully rolled out at the moment with great momentum. Clients are learning that by not only linking in the system to their self-booking tools and desktop applications, that the mobile space is a fantastic opportunity to successfully take on. End users never have to see or enter a credit card into any application.

With the CSP On-Demand API and our card partners we're enabling mobile one-click payments to grow in the corporate procurement marketplace.

If you have a mobile application and are interested in learning more, get in touch.