Android PayやApple Payなど支払いアプリが広がりを見せている。Yoyo Walletはヨーロッパのサービスだが、消費者と店舗側双方に利益をもたらすアプローチを試みている。
Yoyo Walletで購入すると消費者には１ユーロか１ポンドあたり１００ポイントが付加される。一方で、店舗側はそういったユーザの行動を分析してより良いオファーを提供できるとのことだ。
参考：Business Insider
Yoyo Wallet, an app that allows shoppers to make payments and earn loyalty rewards, has raised £12 million, bringing total investment in the UK startup to around £24 million.
The latest series B round, announced on Monday, was led by German wholesale and food retail giant Metro Group, asset management company Woodford Investment Management, and tech investor Touchstone Innovations. It is still subject to FCA approval.
Founded in 2013 and launched a year later, Yoyo operates in an increasingly crowded field of mobile apps that lets users pay for items with their smartphones. It also competes with Apple and Google, who have developed their own payment apps.
Yoyo started out by targeting students on university campuses across the UK through its smartphone app but it now targets employees working on large corporate campuses and people on the high street.
Yoyo processes payments using QR codes: At the point of sale, a unique QR code is generated for each transaction. The retailer then scans the code to receive the payment. This doesn’t require proprietary technology, just a 2D barcode-scanner — already found in around 50% of retailers.
Shoppers like it because they can earn rewards for buying things — such as 20% off or a free coffee — and retailers like it because they can get valuable marketing insights.
The company claims to have more than 400,000 registered users and 1,700 retailers that accept its app.
“With its strong track record of deploying digital technology at the customer interface, Yoyo’s solution can have a meaningful positive impact on a wide spectrum of retail businesses, in particular in the food and beverage segment. As digitisation becomes mainstream in hospitality, Yoyo’s technology is a strong candidate for currently untapped market segments. As part of our engagement, Metro intends to contribute to this deployment.”
