Monthly Archives June 2019

Is “unlimited” good for Canadian consumers and businesses?

Guest blog post By Hernan Popper
Strategic-Partner – Schooley Mitchell of Winnipeg

From the early beginnings of wireless services in Canada, Canadians have been counting… Minutes first, texts later, roaming, and, of course data.

With new technologies and enhanced services, we got used to unlimited. Now we have unlimited calls, unlimited texting, even unlimited international calls with a cheap add-on to many plans.

Not having to count brings peace of mind, and previsibility. It’s like an all inclusive vacation, which may or may not be the best option. We don’t really think anymore before making that call or sending that text. We do still worry, every time, when we are using data intensive applications like video calling, online gaming, remote work and other applications.

The response to excessive charges, overages and ugly invoice surprises was data pooling (or data sharing). A shared amount of data to be shared among all users in the account, so heavier users can benefit from the unused allowance from light users.

This works, and has been the norm for many years.

Yesterday, wireless vendors announced “Unlimited Data” as the next big development to help Canadians compete in a digital world. The question is: “Is unlimited wireless data good for Canadian consumers and businesses?”

Rogers announced yesterday the availability of the new “Infinite plans”: https://www.globenewswire.com/news-release/2019/06/12/1867543/0/en/Rogers-Introduces-Infinite-Wireless-Data-Plans-With-No-Overage-Charges.html

Later yesterday, Telus also announced their unlimited plans: https://mobilesyrup.com/2019/06/12/telus-promotional-plan-75-15gb-byod/

Early this morning, Bell posted their own unlimited plan: https://www.bell.ca/Mobility/Cell_phone_plans/Unlimited-plans

Is it really unlimited? Debatable, as users will be able to use as much data as required, but will receive a significant decrease in their download speeds after a set amount 10GB for Rogers, 15GB for Telus at this time. Speed will drop to almost unusable after this threshold. Of course, you can always buy more!

Is it good for consumers and businesses? Not necessarily.

These new plans come at a significantly higher rates than existing data share plans, starting at $75 without any hardware subsidy.

What this means is that, even if not required to have access to “unlimited”, consumers and businesses will pay significantly higher amounts for the same usage.

All those businesses, consumers and organizations who had actively controlled and monitored their usage, will undoubtedly pay more. Only exception are those users who had no control and kept paying for overages at outrageous rates.

At this time, it is understood that current packages will be grandfathered and not available in the future.

Paying more for something that you don’t need, is simply not good for you, nor any business or organization.

Before adding additional expenses categories and becoming “Your Vendors Watchdog”, Schooley Mitchell was, for over 30 years, “The Telecom Experts”. We’ve analysed invoices for over 21,000 clients. We know every telecom rate available in Canada, even before cellular services existed. Our clients know they are getting the right service, by the right vendor, at the right price.

If we have not had the opportunity to help your business or organization control your expenses, make sure, before signing any renewal, proposal or long term commitment, that you explore all options.

Because simply paying more is not an option.

#spendsmarter

Hernan Popper

Telecom Expert

Strategic Partner – Schooley Mitchell of Winnipeg

Should your business consider mobile payments?

By 2030, experts expect that digital wallets, like those used by Apple Pay, will be the primary source of payments around the world. Mobile payments are often as simple as using a physical card, and you can make secure purchases in stores, in apps, and online. So is it time for you to add mobile payments to your arsenal of merchant services solutions?

One thing to consider regarding mobile payments are the demographic of your customers. According to Big Commerce, which surveyed businesses that added Apple Pay, many of them chose to do so because they had a younger, millennial and Gen Z demographic in mind. This has been especially effective for businesses using online transaction options with mobile payments in mind.  The same business surveyed by Big Commerce answered that Apple Pay improved the outcome of their online sales, with fewer items being placed in a user’s ‘cart’ being abandoned due to a complicated checkout process.  

Mobile payments are useful for in-store transactions as well. With Apple Pay, anyone with an iPhone or certain iPads can utilize this method. Of course, not all of your customers will have Apple Pay equipped on their devices, or use Apple devices at all, so it is important to have a wide variety of POS solutions in this mobile era. Mobile payments are also generally secure, with multiple levels of authentication before confirming a purchase. For example, if you’re using your iPhone to make a payment via Apple Pay, you will likely have to use your thumbprint. This might also be a reason why many customers would be attracted to the option of using mobile payments to make their purchases.

Of course, there are plenty of risks to mobile payments as well. High-profile data breaches make overarching security a large concern for both business owners and customers. While the payments are generally less expensive than traditional point-of-sale systems, most still require you to purchase new technology and upgrade your terminals. With the variety of mobile devices on the market, a one-size fits all option can be very difficult to implement.

In conclusion, if you are willing to outfit your Point-of-Sale terminals with the necessary tech, mobile payments can be a rather convenient addition to your merchant services solutions that can also help improve the customer experience. Online check-out buttons attached to mobile payments have proven to make online sales easier for merchants and buyers. If you are hoping to attract a younger demographic, mobile payment solutions can be a great way to go about it.

Is a mobile payment solution right for your business?