????手機在世界上的作用越來越大。它使我們的生活方式也正在發(fā)生深刻的變化。不久，從智能手機到可穿戴設(shè)備，我們的移動設(shè)備將深入了解我們的點點滴滴，它們將轉(zhuǎn)化為“移動個人管家”，無需提示就能夠無縫地代表我們將事情辦妥。我們已經(jīng)開始邁向這樣一個超級連接的世界——即所謂的物聯(lián)網(wǎng)中，機器對機器的通信將很快超越人機對話。但要讓這個互聯(lián)世界像許多人想象的那樣無縫運行，它所需要的遠不止能夠預(yù)測人類需求的技術(shù)那么簡單。

????首先，它需要一個開放、安全、對開發(fā)者友好的平臺，一個能夠通過跨平臺移動支付操作系統(tǒng)連接在一起的平臺。初創(chuàng)公司需要具備百折不撓的精神，才有望最終發(fā)現(xiàn)能夠引起消費者共鳴的產(chǎn)品或服務(wù)。當今最成功的初創(chuàng)公司必須基于市場的重大反饋意見完成迭代升級。舉例來說，在Instagram和Flickr收獲今天的成功之前，它們最初都采用過完全不同的商業(yè)模式，但隨后根據(jù)市場反饋不斷進化。

????安全性也是至關(guān)重要的?；ヂ?lián)設(shè)備既需要減少摩擦，比如去除密碼，能夠?qū)崿F(xiàn)一鍵登錄；又需要提高安全性。為了讓年輕的初創(chuàng)公司獲得反饋，消費者需要相信他們的數(shù)據(jù)，無論是密碼，還是支付信息，都不會受到損害。隨著設(shè)備更加緊密地連接在一起，信息在各種服務(wù)或設(shè)備之間的傳遞更加迅速，這一點變得尤為重要。消費者需要相信，如果他們的冰箱被黑客攻擊，像信用卡信息這樣的敏感數(shù)據(jù)不會遭受外泄風險。

????最后，所有這一切都需要通過一個不可知的、不局限于特定平臺的支付操作系統(tǒng)進行連接，以啟動和驗證購買行為。當家里沒有雞蛋或者需要訂購一些牛奶時，你的冰箱能夠通過智能手機給你發(fā)送提示信息，這的確很美妙。但請想象一下，如果你的冰箱能夠無縫地替你下訂單，那將是怎樣一番情景？而這，正是互聯(lián)商務(wù)的下一步。

????如今，已經(jīng)有19億部設(shè)備與互聯(lián)網(wǎng)連接。據(jù)估計，到2020年，全球的聯(lián)網(wǎng)設(shè)備將達到300億部?，F(xiàn)在，隨著我們迅速邁入一個智能手機作為主要計算設(shè)備的世界，我們也正在從一個有些人所稱的“隨需應(yīng)變的世界”轉(zhuǎn)移至一個我所認為的“為您服務(wù)的世界”。屆時，我們的設(shè)備將知道我們什么時候想要什么東西，并且能夠代表我們啟動相應(yīng)流程。從購買直至運送，技術(shù)能夠自發(fā)地實現(xiàn)這些神奇的體驗，而無需我們親自驅(qū)動這些交互過程。這就是“智能商務(wù)(Smart Commerce) ”的未來。

????Mobile is playing a bigger role in the world, and as it does, it’s enabling some profound shifts in how we live. Soon, our mobile devices – from smartphones to wearables – will know so much about us that they will transform into personal mobile concierges and be able to seamlessly transact on our behalf without prompting. We’re already moving toward this hyper-connected world – toward the Internet of Things – where machine-to-machine communications will soon outpace human-to-machine conversations. But for this connected world to work as seamlessly as many envision, it requires much more than just technology that can predict our wants and needs.

????For one, it requires an open and secure, developer-friendly platform — one that is linked together through a cross-platform mobile payments OS. Startups need to be able to quickly move through hundreds of failures before ultimately finding the product or service that resonates with consumers. Today’s most successful startups at one point had to iterate and pivot based on critical feedback from the market. Before Instagram and Flickr became the successful businesses they are today, for example, they both started out with completely different business models but evolved their businesses in response to market feedback.

????Security is also paramount. There’s both a need to reduce friction — like removing passwords and enabling logins with the touch of finger — and increase security. In order for young startups to be able to get feedback, customers need to be able to trust that their data — whether it’s passwords or payment information — won’t be compromised. This is especially important as devices become increasingly connected and information gets quickly passed around from one service or device to the next. Customers need to trust that if their refrigerator gets hacked, sensitive data like their credit card information won’t be compromised.

????Finally, this all needs to be connected through an agnostic payments OS — one that isn’t confined to a specific platform — that will enable and authenticate purchases. It’s great that your fridge can ping your smartphone when you’re out of eggs or need to pick up some milk, but imagine if your fridge could seamlessly make the order for you. This in the next step in connected commerce.

????Today, 1.9 billion devices are already connected to the Internet and it’s estimated that by 2020, we’ll reach 30 billion connected devices globally. As we shift toward a world where our smartphones are now our primary computing devices, we’re moving from what some call an “on-demand world,” to what I see as an “at your service world” – where our devices know what we want, when we want it, and can initiate things on our behalf. From buying through to shipping, technology will be able to deliver these magical experiences without people having to drive the interaction. This is the future of Smart Commerce.