Posts Tagged: Paypal

The Landscape of Customer Identity: Facebook Dominates, Payment Providers on the Rise

Posted On: Filed Under: Infographics

In the second quarter of 2015 (April – June), Facebook continued its steady climb as the third-party identity provider (IdP) of choice for consumers, now controlling two-thirds of all social logins, an all-time high. Much like Q1 2015, Google+ is the only other IdP that maintains a market share of social logins greater than 10%. Yahoo has dipped below 5% of logins for the first time.

While Facebook’s overall market share increased, the world’s largest social network’s grip on eCommerce sites fell by 2% in Q2 2015 as payment providers Amazon and PayPal continue to gain steam as third-party identity providers. Consumers appear to be taking advantage of being able to log in and pay for items on websites using the same identity for one seamless interaction. Amazon and PayPal now combine to make up 10% of all social logins on eCommerce properties.

Take a look at the infographic below to see how consumers leveraged their existing social media credentials to authenticate their identities across the web and mobile devices in Q2 2015.

– Reeyaz Hamirani, Corporate Communications Manager
@Reeyaz21

Gigya_Infographic_Q2_Social_Login_Final

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3 Examples of the Evolution of Identity

Posted On: Filed Under: Customer Identity, Identity Data, UX

The concept of digital identity has evolved significantly over the last 15 years. Though traditional registration forms that require usernames, email addresses, and passwords are still mainstays across the Internet, we’ve also seen the proliferation of simpler, more modern methods of authentication.

Social login, for example, has been widely adopted by both businesses and consumers. Allowing users to verify their identities and log in to websites and mobile applications using existing profiles from networks such as Facebook and LinkedIn not only creates a more streamlined experience for consumers, it also enables marketers to capture and leverage rich, first-party social identity data.

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Users clearly enjoy the ease and speed of social login — Facebook Login was used more than 10 billion times in 2013 alone (Facebook Newsroom). Organizations also understand the value of the identity data housed within social profiles — hundreds of thousands of websites and apps across the Internet now employ some form of social login (Datanyze).

As the evolution of digital identity continues, we’re seeing even more unique and integrated means of online verification. Let’s take a look at three interesting methods of identity authentication in use today.

Apple Pay

When Apple introduced the iPhone 5S, the company introduced a new hardware feature called Touch ID. Touch ID allows users to unlock their smartphones, tablets, and certain operating system applications using just a fingerprint. A year later, when Apple unveiled the iPhone 6, we saw the introduction of Apple Pay, a mobile payment system.

The combination of Touch ID, Apple Pay, and Apple’s native Passbook app effectively digitizes a user’s entire wallet and identity as a consumer, using biometrics and NFC technology to authenticate shoppers at the point of sale. Goods can be purchased using only a smartphone, without the need to swipe a credit card.

ApplePay

Twitter Digits

In late 2014, social networking company Twitter introduced Digits, a tool that allows users to sign up for mobile apps and authenticate their identities without the need to create new login credentials. Rather than creating new usernames and passwords, consumers can log in using their cell phone numbers — an identification mechanism they already use every day.

With Digits, online accounts are tied only to mobile phone numbers, eliminating password fatigue for users, and reducing the amount of spam or inactive accounts businesses have to deal with. An individual signs up using his or her phone number, receives an SMS code, enters the code into the verification field, and the process is complete.

TwitterDigits

Log In with PayPal

As eCommerce and mobile commerce continue to grow (Internet Retailer), we’re seeing more and more consumers leverage authentication solutions from payment providers. PayPal, for instance, has its own third-party identification solution for websites and apps called Log In with PayPal.

Log In with PayPal allows consumers to log in to web properties using their existing PayPal credentials. This option streamlines checkout processes and provides enhanced merchant experiences as most shipping and payment details are stored within PayPal.

LogInWithPayPal

Consumer identity, as well as the means to verify consumer identity, are becoming increasingly important across the Internet, and businesses need to be adequately prepared.

In order to successfully embrace and prepare for the continued evolution of digital identity, brands need a customer identity management solution in place that is capable of normalizing both structured and unstructured consumer data, as well as maintaining compliance with the ever-changing APIs of third-party identity providers.

To learn more about how concept of identity will continue to diversify, download our free eBook, “The Evolution of Consumer Identity.”

– Reeyaz Hamirani, Corporate Communications Manager
@Reeyaz21

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The Evolution of Consumer Identity: 10 Predictions for 2015, Part 4

Posted On: Filed Under: Customer Identity, Data Privacy, Identity Data

Growth in consumer demands for personalization, omni-channel experiences and data transparency caused leading brands to reevaluate the way they collect, store and apply customer identity data in 2014.

As 2015 draws near, we’ve taken stock of growing trends, examined industry forecasts and consulted our crystal ball to compile a list of ten consumer identity-related predictions poised to impact businesses over the course of the next year.

Last week, we shared our sixth and seventh predictions for 2015. Now, let’s take a look at the final 3 predictions on our list.

Prediction #8: “Identity 3.0″ Will Take Hold

In the late 1990s, Microsoft Passport helped introduce the concept of third-party identity across the web by enabling consumers to login to various sites using a single username and password. Facebook Connect and other social identity providers ushered in the second generation of web identity, allowing users to login with existing social media identities while providing brands with the information needed to personalize user experiences.

Yet as consumers’ real identities become increasingly intertwined with their virtual lives, we can expect Identity 3.0 to come to full fruition in 2015.

Identity 3.0 goes beyond social identities to include next-generation authentication methods, increased security and new applications of identity. 2014 saw the onset of Identity 3.0 as more consumers leveraged payment providers like PayPal to verify their identities and streamline checkout across eCommerce properties. The introduction of Twitter Digits, which allows users to authenticate using their phone numbers, and ApplePay’s Touch ID, which uses biometrics to identify shoppers at the POS, also marked the beginning stages of Identity 3.0.

Prediction #9: Consumers Will Demand Control Over Their Identity Data

As consumers share more personal information across the web, they are becoming increasingly wary of how businesses are collecting and using their data.

A recent Gigya survey found that while over 80% of consumers have abandoned online registration because they didn’t like the amount and/or type of information being requested, 45% are willing to share that information if the brand makes it clear how it will be used.

Businesses must put transparency at the forefront of their data practices in 2015 and proactively address these privacy concerns by letting customers know upfront what data they want to collect, explaining how it will be used and allowing them to easily opt in and out.

Prediction #10: Identity Will Become Central to the Internet of Things

The number of connected devices is expected to grow to more than 25 billion by 2020, and as consumers continue to build their arsenal of smart gadgets in 2015, they will look to brands to enhance connectivity and improve user experiences.

The wristband that measures users’ activity levels will soon be a commodity. But the one that evaluates their heart rates and adjusts the speed of their treadmills based on their fitness profiles is golden.

Central identity between devices will take the Internet of Things to a whole new level, enabling them to communicate with one another and create a personalized lifestyle for consumers.

Click here to download all ten of our consumer identity predictions for 2015.

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The Evolution of Consumer Identity: 10 Predictions for 2015

Posted On: Filed Under: Customer Identity, Data Privacy, Identity Data

Growth in consumer demands for personalization, omni-channel experiences and data transparency caused leading brands to reevaluate the way they collect, store and apply customer identity data in 2014.

As 2015 draws near, we’ve taken stock of growing trends, examined industry forecasts and consulted our crystal ball to compile a list of ten consumer identity-related predictions poised to impact businesses over the course of the next year.

Let’s take a look at the first 3 predictions on our list.

Prediction #1: Apple Will Become an Identity Provider

While the introduction of Apple Pay in 2014 marked Apple’s first real foray into identity, 2015 will be the year that Tim Cook and crew stake their claim as a true third-party consumer identity provider (IdP).

With more than 200 million credit cards on file, deep relationships with financial institutions, knowledge of users’ on-device browsing behaviors, and insight into app downloads and usage, Apple has the ability to provide its millions of customers with unprecedented relevance and convenience as they move across the web.

By making Apple ID usable outside of the brand’s own products and services, Apple has the potential to majorly disrupt the identity landscape and position Apple ID as the new standard for consumer identity in 2015.

Prediction #2: Payment Providers Will Become Mainstream IdPs on Mobile Devices

According to The Goldman Sachs Group, worldwide mobile commerce sales will account for nearly half of total web sales by 2018.

With more than 60% of consumers likely to choose social over traditional registration when using mobile devices, expect to see a spike in share of social logins for payment providers like PayPal, Amazon and Google.

On top of making it fast and easy for consumers to authenticate at site entry, these payment providers reduce barrier to checkout by pre-populating purchase fields with shoppers’ existing payment details, simplifying the mobile checkout process to just a few taps.

Prediction #3: Regional Regulations About Consumer Data Will Increase

As countries across the globe become increasingly protective of their citizens’ data, countries from Germany to Brazil are considering laws around international data storage and the use of local data centers.

With consumer identity quickly becoming integral to how businesses “know the customer,” regional identity data regulation will continue to tighten over the course of 2015. As Russia rolls out its local storage mandate, countries across the world are sure to follow suit, forcing multi-national corporations to re-think how they store and use international customer data.

Tune in next week for more predictions, or click here to download all ten of our 2015 identity predictions.

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Gigya Integrating Social Login with PayPal Access, PayPal’s New Login Service

Posted On: Filed Under: Gigya Updates

PayPal Access

As some of you may have heard, PayPal has just introduced a new commerce identity service at the X.commerce Innovate Developer Conference 2011 that will allow web users to login to participating retail sites with their PayPal credentials. We’re proud to announce that Gigya is partnering with PayPal and X.commerce to offer PayPal Access to our clients via Gigya’s Social Login Plugin and API. PayPal Access offers a unique and secure way for ecommerce sites to reduce shopping cart abandonment and lift sales. With PayPal Access implemented via Gigya, shoppers can simply login to retailer sites using their PayPal usernames and passwords and make purchases without needing to re-enter their PayPal credentials.

PayPal offers its merchants and consumers an unparalleled level of security and convenience as a payment method. And as an identity service, PayPal Access has enormous potential to improve the user checkout experience while simultaneously helping retailers increase conversions by eliminating friction points in the transaction process. PayPal Access is currently available to retailers worldwide and will be offered through Gigya Social Login shortly. For more information on PayPal Access, check out the PayPal Blog.

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This week at the Internet Identity Workshop @IIW

Posted On: Filed Under: Gigya Updates

It was an interesting several days of discussions at the IIW this week in Mountain View.  The event brought together individuals who have been passionate about driving user-centric identity for many years, as well as some of the newer players in the space who bring a more corporate perspective, trying to balance business model with user control.

At a high level, there was much continued discussion on the concept personal data stores (PDSs) which would be completely controlled by the End User and fully portable.  Two key challenges remain with this vision: 1) the major identity providers who have the critical mass of users and data, such as Facebook, Twitter, Yahoo, Google, PayPal, etc., are not (yet) interoperable or provide the End User a “copy” of their data, and 2) there is no obvious business model for PDSs that doesn’t include these providers.

At a more technical level, our team had the following key takeaways:

Read more on “This week at the Internet Identity Workshop @IIW” »

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PayPal ID Added to Gigya Platform for Social Login + Why PayPal ID? #xinnovate

Posted On: Filed Under: Gigya Updates

We’re excited to announce that PayPal ID’s are now part of the Gigya platform for social login.  Dave Yovanno, Gigya’s CEO, and Brian Schmidt, a Gigya developer partner, demo’d the integration on stage at PayPalX Innovate this afternoon.

According to PayPal, password fatigue and identity fraud is a major issue

  • The average person has 25 online accounts and 6.5 passwords
  • 66% of people use 1-2 passwords across all sites
  • The average user logs in 8 times each day

Businesses are affected as well.  Forgotten passwords are the #1 source of online customer service issues, and customer service is one of the largest costs for online businesses, so reducing the number of inquiries here will have a real impact on the bottom line.

How does PayPal view it’s impact as a provider? Four key areas of differentiation:

Read more on “PayPal ID Added to Gigya Platform for Social Login + Why PayPal ID? #xinnovate” »

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All About Mobile: Notes from Day 1 #xinnovate PayPal X 2010

Posted On: Filed Under: Gigya Updates

Tim O’Reilly posed a great question tonight: What kind of backend does it take to make all this magic happen?  What should you think about when you hear the terms Mobile, Local, Social?   PayPal X and an ecosystem of developers started a conversation to answer that today.

Gigya is part of this conversation. Specifically we are presenting PayPal Identity Services on Stage with PayPal’s Ashish Jain at 3pm PST tomorow (Wednesday 10/27) – come say hello to Dave, Patrick and Brian if you’re there.

So what happened today?

To start, here are some of the headlines written today about the key announcements and some commentary:

Read more on “All About Mobile: Notes from Day 1 #xinnovate PayPal X 2010″ »

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Join PayPal and Gigya at Paypal X Innovate 2010 for the Future of Social Identity and Payments [DISCOUNT CODE]

Posted On: Filed Under: Gigya Updates

Please join Gigya at the upcoming PayPal X Developer Conference on October 26-27 at Moscone Center, San Francisco. PayPal X is the first truly open global payments platform.   Whether you’re building the next innovative ecommerce site, mobile app, social network, game or other digital goods experience you’ll want to check out the only developer conference dedicated to payments.

eCommerce is the next frontier for “social login,”  the term Gigya coined (discussed by Jeremiah Owyang in his recent post) for enabling customers and site visitors to sign-in or register using an existing  and trusted identity from Facebook, Twitter, LinkedIn, Yahoo, Google, Microsoft, or any one of many other social providers.

Read more on “Join PayPal and Gigya at Paypal X Innovate 2010 for the Future of Social Identity and Payments [DISCOUNT CODE]” »

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