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PSPINC will help your business thrive by providing for all of your technology needs. We offer a wide array of products, including Web & Email Hosting, Website Design, Custom Development, Email Marketing, a number of additional business tools, technical support, and so much more. Visit pspinc.com to learn more.

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Twitter’s $250M Copyright Lawsuit Explained and What Businesses Can Avoid It

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Twitter’s $250M...
Last month, the National Music Publishers’ Association (NMPA) sued Twitter for $250 million for copyright infringement. Why? Because Twitter’s been letting users share copyrighted music without a license for years, as the lawsuit claims. It’s been an issue with the platform for years, but the lawsuit claims it’s only gotten worse since Elon Musk’s acquisition of the company. When looking at how other social media platforms compare, most have cut a deal with music publishers and labels, such as Facebook, Instagram, TikTok, Instagram, Snapchat, and Twitch.

So, why hasn’t Twitter made a similar deal? Simply put, Twitter’s been dodging copyright infringement for several years. The reason behind this is financial, as it would cost the platform possibly over $100 million a year. But Twitter had reportedly been in negotiations for a licensing deal with three major labels: Universal, Sony, and Warner since 2021. Those, however, have since stalled since Elon Musk took over. Speaking of, the lawsuit explicitly mentioned him because of his comments about the Digital Millennium Copyright Act (DMCA). In a now-deleted tweet from 2022, he called the DMCA “overzealous” and “a plague on humanity”.

Why the NMPA is Suing Twitter


man in black shirt wearing headphones in front of monitor

Not only has Twitter allowed its users to post videos containing copyrighted music, but the only punishment those users receive is a temporary suspension. On other platforms, it’d go as far as risking the removal of those users’ accounts. But tweets including copyrighted music don’t just go on without discipline, many actually go viral. For Twitter, it only benefits the platform with increased user engagement and ultimately advertising revenue. All while not paying to license that music.

In the lawsuit, the complaint cites more than 1,700 songs, consisting of many that have blown up on Twitter. Examples include “Uptown Funk” featuring Bruno Mars by Mark Ronson, “All I Want For Christmas” by Mariah Carey, and “Anti-Hero” by Taylor Swift, among many others.

How to Avoid Copyright Infringement as a Business

classy executive male reading papers on couch

For a business, getting into legal trouble is one of the last things you want to happen. The easiest way to avoid copyright infringement suits is by using your own content. Especially in advertising material. But when you can’t, that’s where free royalty-free photos, videos, audio/music comes in handy. There are multiple sites where you can easily find this kind of content, but one of our favorites is Pexels. As long as you use material that isn’t owned by someone else, you’re golden.
 
If, for some reason, you have to use something that isn’t free for commercial use; you need explicit permission from the owner to use it. And you may have to pay a fee to do so (like those other social media platforms with licensing deals). Otherwise, you may find yourself slapped with a copyright infringement lawsuit.

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#advertising #blog #branding #business #businesstips #digitalmarketing #dmca #elonmusk #lawsuit #marketing #marketingdigital #marketingtips #news #nmpa #smallbusiness #socialmedia #tech #technology #twitter #web #webdesign #website #websites

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PSPINC’s 36th Anniversary!

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PSPINC’s 36th A...
Today on this exact day in 1987, our founder and CEO, Kenichi Uchikura, started Pacific Software Publishing Inc. (PSPINC) and has since evolved to become what it is today. We’re proud to say we serve more than 40,000 companies of all sizes around the world, not just by providing web hosting, but with all their website needs. We have an amazing team working hard to design and develop software in-house to help businesses thrive online.

Thank you to all our customers and employees today and over the years for helping us get to where we are today. 


Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#blog #business #businesstools #ecommerce #hosting #marketing #pacificsoftwarepublishing #pspinc #smallbusiness #softwaredevelopment #tech #technology #web #webdesign #webdevelopment #webhosting #website #websites #webtools

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What’s New Newsletter Vol. 175 “High-Quality Web Hosting”

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What’s New News...
Web hosting is about more than just getting your website online. Investing in a good web hosting service ensures better security, better customer service, and better maintenance support. A good web hosting service provides an SSL certificate for your site. That way, users won’t encounter an error page, warning them that their connection isn’t secure when entering a URL. And the service should also include frequent backup services. If something were to happen, like accidentally deleting an important file, you’ll still have your backups to rely on.

Dreamersi is our premiere web hosting service with email hosting, VPS packages, and more robust SSL certificate options, available as add-ons. In all our Dreamersi web hosting plans, our customers get a free domain, free access to WebdeXpress, our easy-to-use web builder, data backups, domain validation (DV) SSL certificates, and world-class support. We’ve had over 20 years of experience providing high-quality web hosting services to small businesses everywhere. Get started today.


Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#blog #business #businesstips #businesstools #ecommerce #hosting #marketing #marketingdigital #newsletter #pspinc #searchengineoptimization #security #smallbusiness #tech #technology #webdesign #webdevelopment #webhosting #website #websites #webtools

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The Reddit Blackout Explained

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The Reddit Blackout Explained
Reddit is a forum full of thousands of communities, or subreddits, where people share news, content, and opinions. Seven years ago, Reddit released a free API or Application Programming Interface. With an API, developers can integrate existing software systems into new applications. For example, when signing in to certain websites with your Google or Facebook account, it’s using an API to do so.

Developers use APIs for multiple different reasons, like sharing information between different platforms and carrying out diverse tasks. All while still building out their own interface. With Reddit, whenever a user wants to view or comment on a post from Reddit, the app sends a request to the API. However, this won’t be the case anymore. Reddit announced in April that they’d start charging third-party applications for API access. In other words, developers that made an app for Reddit and those that use its API will now need to pay for requests to use their API.  

Why Reddit Users Are (Still) Protesting

woman holding megaphone

The trend of charging for API usage isn’t new, as Twitter did the same after Elon Musk took over. But it also shut down dozens of third-party apps. With Reddit, they’ll be charging $0.24 per 1,000 requests. It doesn’t sound like much until you realize that the app, Apollo, a popular iOS Reddit app, makes upwards of seven billion API requests a month. That’s almost $2 million a month and over $20 million a year, which is just too high of a price for most companies.

When you compare it with Twitter’s API cost, it costs developers anywhere from $100 to more than $5,000 a month. And their plans have limitations set on them. For larger businesses on the enterprise level, it’ll cost much more than that. To protest, Reddit users agreed to what started as a 48-hour blackout called Reddark, where nearly 8,000 subreddits were set to private starting June 12. But even after the 48 hours were up, the blackout persisted, as over 6,000 communities on Reddit are still private. Regardless, it hasn’t deterred Reddit from changing its mind.

Reddit’s API Changes

black reddit app on an iphone

So, why did Reddit update its API terms? According to its CEO, Steve Huffman, the free API model just wasn’t sustainable. Especially now that Reddit has its own ad network now. Users coming to Reddit via third-party apps don’t see those ads, which greatly impacts how effective and how profitable Reddit’s ad network is. And advertisers won’t want to work with Reddit anymore if they’re paying for ineffective services.

Despite the backlash and online protests, Reddit is moving forward with the API changes. Even though large and popular subreddits have remained private, there are still plenty more that haven’t. They aren’t nearly as sizeable, but it’s enough not to deter Reddit from its plans. Shifts like this seem to prioritize profits over the community-building atmosphere these platforms are known for, which doesn’t sit well with users. So far, Twitter and Reddit are the only large social platforms that charge for API requests. But whether others will follow in their footsteps is yet to be seen.

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#advertising #api #apollo #applicationprogramminginterface #blog #developer #developers #digitalmarketing #elonmusk #marketing #marketingdigital #reddark #reddit #smallbusiness #socialmedia #stevehuffman #tech #technology #twitter #web #website #websites

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What’s New Newsletter Vol. 174 “Asking for Feedback”

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What’s New News...
We’ve talked about the importance of positive Google reviews, but feedback is important to every business. Especially a small one. Asking for feedback from your customers shows you care. But for businesses, feedback also tells you more about how customers feel about your products, services, and experiences. More importantly, it highlights where you can improve. If you see a lot of the same complaints about a product, reviews will alert you to the problem. The last thing you really want is to have a faulty product and not know about it. And if you don’t know there’s a problem, it also means you can’t fix the problem.

Other than using Google reviews, you can also ask for feedback from customers with an online form embedded on your website or with Opinion Stand. With an online form, you can ask multiple questions tailored to your business and your customers’ experiences. And you don’t even need to know how to code if you use InforMakers. If you’d rather just get a general rating, embed Opinion Stand into your website, emails, and other digital media. Or create a QR code where customers can click on which face best expresses their overall experiences. Book a demo today.

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#blog #business #businesstips #businesstools #customerfeedback #customerservices #forms #informakers #marketing #marketingdigital #marketingtips #newsletter #opinionstand #pspincwhatsnewnewsletter #smallbusiness #tech #technology #web #website #webtools

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Adobe’s $20 Billion Acquisition Deal for Figma Explained

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Adobe’s $20 Bil...
Last year, Adobe, the company behind the invention of the PDF and popular programs like Photoshop and Illustrator, announced its plan of acquiring the cloud-based design tool, Figma, for $20 billion. One that even our web designers use here at PSPINC. Adobe has a history of acquiring more than 50 companies in its 40-plus years of existence. So, if this is so standard for Adobe, why are people making such a big deal out of it? For starters, this is the most money Adobe’s ever spent in acquiring a company. About four times more. Their second largest acquisition behind Figma was Marketo in 2018 for $4.75 billion. So, the real question is, why is Adobe investing so much in buying out Figma?

Adobe has a rich history of acquiring companies and either adopting them as their own or letting them slowly die out. For example, Photoshop is arguably the most lucrative acquisition deal Adobe’s ever made. They purchased Photoshop for $34.5 million in 1995, right when computer technology and digital photography technology advanced. But Adobe has also bought out companies just to eliminate the competition slowly. An example would be FreeHand. And there’s a reason you probably don’t recognize the name. Adobe acquired FreeHand in 1994 for $525 million and by 2007, Adobe announced the end of FreeHand.

What it Means for the SaaS Industry

 
turned on silver screen macbook air on wooden desk

Figma, as of June 2021, has a valuation of $10 billion, but because Adobe sees the value in it, they offered double the amount. And it’s for a good reason; Figma allows for greater collaboration between designers. And it’s something Adobe hasn’t figured out how to do effectively yet. While Adobe has the Adobe Creative Cloud, many designers have expressed their frustration with its lack of collaboration features. Figma, however, has browser functionality, which is something Adobe doesn’t have with any of its design products. Including the program they created to directly competed with Figma, Adobe XD.

Because of Adobe’s history of products like FirstHand, Figma users are worried about what Adobe will do to what’s become an essential design tool. One of those worries includes making Figma a paid tool rather than a free one. The fact that Adobe’s offer is double Figma’s value speaks volumes, and it has the potential to create a big impact in the SaaS (Software as a Service) industry. Unfortunately, the Adobe-Figma deal is now facing anti-competition concerns. EU authorities are pushing for a formal investigation. And the U.S. Justice Department is preparing an antitrust lawsuit, which, if successful, would effectively block this deal. So, only time will tell how this will pan out.

December 18th, 2023 Update:
 
Adobe and Figma have reached a mutual agreement to terminate their merger agreement after facing pressure from regulators.
 

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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PSPINC Creates Tools For Your Business
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Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#acquisition #adobe #adobexd #blog #branding #business #collaboration #creativecloud #design #figma #firsthand #history #illustrator #marketing #pdf #photoshop #saas #smallbusiness #tech #technology #web #webdesign #webdevelopment #webtools

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What’s New Newsletter Vol. 173 “Invest in a Go-To IT Company”

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What’s New News...
Getting good quality IT support is an underrated service. Only when something breaks do you need to call someone to assist you. So, having a go-to IT company for when you need it is a good idea. When you frequent one company for your IT services, it’ll result in better response times and a better experience overall because, after a while, the hope is that they’ll remember you and your problems from the last time you called. If the company’s local, that’s even better because you won’t have to worry about long-distance call expenses, and they can come out to help you if you need on-site technical support.

Unfortunately, the IT industry, as a whole, doesn’t have the best reputation when it comes to customer service. People have complained about long wait times, unfriendly, and lack of follow-up. That’s exactly why we focus so much of our IT support efforts on making sure our customers have the best experience. When you call for IT support from us, our team has an incredible reputation, working closely with our customers to help with whatever technological need they have. So, consider making us your go-to IT company, and reach out to our IT support team for any questions.


Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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PSPINC Creates Tools For Your Business
Bloguru ClickItAudio Denrei Dreamersi ImaMenu Informakers Japanese Online Los Angeles Town MegaMail NewsMAIL Opinion Stand Pass Wizard Parcom PSP Pilot San Diego Town Simple Data Pool WebdeXpress
Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#blog #business #businesstips #businesstools #customerfeedback #customerservice #customersupport #email #marketing #marketingdigital #marketingtips #newsletter #pspinc #pspincwhatsnewnewsletter #sales #smallbusiness #tech #technology #web #websites

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Spotify: Why They’re Leaders in the Music Streaming Industry

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Spotify: Why Th...
When you think of music streaming today, you think of Spotify. And there’s a reason for that. Over the last five years, the number of premium Spotify premium users grew from 71 million subscribers in 2017 to 205 million subscribers in 2022. Compared to Apple Music’s 78 million subscribers as of June 2021, Spotify reigns supreme in the music streaming industry. And Spotify has so much market share because they leverage personalization. Specifically, with playlists like Discover Weekly and Release Radar in a way that others in the market aren’t doing.

Other streamers like Apple Music, Pandora, Amazon Music, and SoundCloud have personalized playlists, too. They just aren’t as successful as the ones on Spotify. And they don’t use the same technology as Spotify does to create these playlists. Other platforms, like Amazon Music, SoundCloud, and Apple Music, use manual curation via “music experts” to create playlists for users. Pandora does things a little differently where its code filters for certain tags that are manually added by users. Then, Pandora’s code creates playlists with similar music using those tags. Regardless, Spotify still does it best with an open-source tool, Hadoop.

How Spotify’s Personalization Works

black samsung galaxy phone open to spotify login

Spotify uses Hadoop, an open-source framework that uses commodity cluster hardware. Basically, Spotify uses Hadoop to track and log users’ metadata, such as customer data and specific music tracks. Spotify creates playlists based on users’ established listening habits using collaborative filtering techniques, natural language processing (NLP), and audio models. Spotify employs collaborative filtering to suggest tracks to millions of users based on millions of other users' preferences. To do this, Spotify uses Python, a computer programming language used to conduct data analysis, automate tasks, and build websites and software. Specifically, Python libraries create two types of vectors using a long, complicated formula: user vectors and song vectors. Then, they’re able to compare those vectors to find out which songs are similar.

Spotify also uses NLP via Echo Nest, a music intelligence program that scans ten million music-related pages for descriptive terms, each of which has a weight to it to tell the system how important the description it is. That weight then tells the program how important the description is, and the engine then determines which two pieces of music or artists are similar. Lastly, unlike collaborative filtering and NLP, audio models analyze new songs with convolutional neural networks, which is the same technology facial recognition software uses. After it’s processed, Spotify uses the data the neural network collects like time signature, loudness, and tempo to compare and recommend tracks based on similarities found in the raw audio. Equipped with collaborative filtering, NLP, and audio models, Spotify's recommendation system is superior to other platforms.

The Success of Spotify

happy man with airpods in his ears and holding his phone

The overall process of Spotify's recommendation models is complicated, but it demonstrates how incredibly useful it can be when comparing all this data. It’s become the brand’s competitive advantage because of how well they’re able to leverage that to keep their customers long-term. Users love these playlists so much that they can’t imagine abandoning the platform for something else.

With its immense amount of success over the past few years, Spotify continues to create more and more personalized playlists. It’s so popular, in fact, that people expect a level of personalization when listening to music. So, while other music platforms offer personalized playlists, it remains to be unmatched compared to Spotify’s efforts. And even if other platforms followed suit with the same technology, Spotify is so far ahead in the music streaming industry, it will be hard for anyone to catch up to them.

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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Bloguru ClickItAudio Denrei Dreamersi ImaMenu Informakers Japanese Online Los Angeles Town MegaMail NewsMAIL Opinion Stand Pass Wizard Parcom PSP Pilot San Diego Town Simple Data Pool WebdeXpress
Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#amazonmusic #app #applemusic #audiomodels #blog #branding #business #collaborativefiltering #digitalmarketing #hadoop #marketing #marketingdigital #mobile #music #musicstreaming #nlp #pandora #smallbusiness #soundcloud #tech #technology #webtools

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What’s New Newsletter Vol. 172 “The Importance of Positive Google Reviews”

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What’s New News...
When you want to look for a new restaurant to go to or get your car serviced, the first place you’ll look is Google. The same can be said when you’re looking for any kind of service from a business. After entering your query into Google, the first thing that’ll pop up is a list of businesses in your local area. And right below those business names, you’ll find their overall rating. The last thing people want to do is choose to work with a business with a bad rating.

Positive Google reviews act as social proof, making your business look more trustworthy. And they influence potential customers to purchase from you, which can make a major impact on sales. On the technical side, it also helps with optimizing your business website for search engines. Google’s algorithm favors new and original content, and customer reviews feed into that. Having good search engine optimization (SEO) helps your site’s overall visibility. If you’re looking for some extra help on better optimizing your site for search engines, reach out to us at PSPINC. We have experts ready to help!

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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PSPINC Creates Tools For Your Business
Bloguru ClickItAudio Denrei Dreamersi ImaMenu Informakers Japanese Online Los Angeles Town MegaMail NewsMAIL Opinion Stand Pass Wizard Parcom PSP Pilot San Diego Town Simple Data Pool WebdeXpress
Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#blog #business #businesstips #businesstools #digitalmarketing #google #marketing #marketingdigital #marketingtips #pspincwhatsnewnewsletter #sales #searchengineoptimization #seo #smallbusiness #tech #technology #web #webdevelopment #website

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Contactless Payment Technology: Why It’s Risen in Popularity

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Contactless Pay...
Contactless payment, also referred to as tap-to-pay, refers to tapping your card, smartwatch, or smartphone to pay for something via a point-of-sale (POS) system. The most popular examples are contactless credit cards and e-wallets. Contactless credit cards have a radio wave or a Wi-Fi symbol turned on its side, either on the front or back of the card. E-wallets are apps that link your credit card to your phone or a smartwatch. Some popular examples include Apple Pay and Google Pay. To pay, customers hold their card, smartphone, or wearable close to the machine's payment symbol for contactless payment.

Over the last few years, the technology has only gotten more popular in part due to the Covid-19 pandemic. With many focused on cleanliness, contactless payments offer a way to limit physical interactions. Specifically, those between a consumer and a merchant. According to Statista, e-wallets, digital, and/or mobile wallets have become more common, as they grew from 3% in 2017 to 12% in 2022. 

How It Works

person holding iphone over a payment terminal

Contactless payments use radio identification (RFID) technology and near-field communication (NFC). The technology bypasses the need for a PIN number, swipe, or signature for a purchase. It only works in proximity between objects. In this case, it’s the short distance between a credit card or device (smartphone, smartwatch, or other wearable technology) and a point-of-sale (POS) terminal.

Customers tap their card or device on the terminal and a beep, checkmark, or green light alerts both parties that the payment went through. With the physical card, it needs to be close by for the payment to go through. For e-wallets like Apple Pay or Google Pay, many require users to enter a PIN, scan a fingerprint, or use facial recognition before tapping to pay. And some retailers, or even some Apple Pay users, require a signature if the transaction is over $50 to protect both parties from fraud.

Advantages and Disadvantages

making a payment with a debit card with contactless logo on it

Physically tapping the card or hovering the phone over the device is part of what makes contactless payments more secure than swiping a card. Equipped with RFID technology and NFC, criminals can’t clone information as easily as before with magnetic strips. NFC sends encrypted data, making it harder to steal, and your card or smart device sends a unique one-time token to the POS terminal during each transaction. Additionally, contactless payment is faster and more convenient for customers, as tapping a card or using Apple Pay only takes a few seconds.

The only real disadvantage is that it isn’t always readily available to everyone. People who don’t have a bank account or a smart device will still need to rely on cash. But, regardless, it has not stopped the growing adoption of contactless payment use. Not just among customers, but also among retailers and credit card issuers. And we expect to see this trend continue as people prioritize stronger security over their personal data like their finances.

Pacific Software Publishing, Inc.

1404 140th Place N.E., Bellevue, WA 98007

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PSPINC Creates Tools For Your Business
Bloguru ClickItAudio Denrei Dreamersi ImaMenu Informakers Japanese Online Los Angeles Town MegaMail NewsMAIL Opinion Stand Pass Wizard Parcom PSP Pilot San Diego Town Simple Data Pool WebdeXpress
Pacific Software Publishing, Inc. is headquartered in Bellevue, Washington and provides domain, web, and email hosting to more than 40,000 companies of all sizes around the world. We design and develop our own software and are committed to helping businesses of all sizes grow and thrive online. For more information you can contact us at 800-232-3989, by email at info@pspinc.com or visit us online at https://www.pspinc.com.
#apple #applepay #contactless #contactlesscards #contactlesspayment #ewallet #finance #finances #google #googlepay #iphone #mobile #mobilewallet #neaarfieldcommunication #nfc #payment #radioidentification #rfid #security #smartwatch #tech #technology

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