mobile procurementBased on joint research and production from Vroozi and Spend Matters, we bring you our Declaration of the New Purchasing: A Buying Manifesto.  While the Manifesto can be seen on, we’ll continue to explore the themes on Vroozi’s blog.

Does your day revolve around the technology at your disposal? Does technology dictate how you go about your day?  Over the next few weeks, we’ll explore these themes in our everyday technology series, New Purchasing: The Intersection of Personal & Enterprise Technology.

“The technology we will adopt in our personal lives will be a reflection and extension of ourselves and will migrate to our work,” says the Manifesto.  This is a theme that we explore with our first “Everyday Technology” concept.  But, perhaps, that technology will also grow to reflect our business ideals – like simplifying complex business practices.

In fact, this is the declaration made in Article 4 of the Manifesto:

Complexity will yield to elegance and simplicity.

In today’s tech-heavy society, nothing has popularized and embodied “elegance and simplicity” quite like the current iterations of smartphones.  With beautiful resolution, an extensive list of easy-to-use features, and additional applications that can be added on for a variety of purposes, smartphones are truly the differentiator that separates ourselves from our counterparts of ten years ago.

Evolving from cell phones that added little more than a phonebook and an organizer to their telephone functionality, web-enabled devices are constantly incorporating more of your daily tools into their operation.

Why purchase a calculator when you’ve already got one on your phone?  Why carry around a GPS or an MP3 player?  Why choose between paper or plastic when you can choose to leave your wallet at home entirely?

Mobile wallets, like your mobile procurement platform, allow you to create and fund an account for making purchases on-the-go.  Even better, mobile wallets – which can require device authentication and carry spending caps and remote cancelability – are even safer than physical credit cards or paper money.

As Chase Paymentech explains, “Mobile wallets use near-field communication (NFC) chips inside mobile smart phones and tablets to transmit payment information.  When a customer is ready to pay using a mobile wallet, they open an app on their smart phone or other deice… At the time of payment, they simply tap their device to an enabled payment terminal, and the payment information is transmitted.”

Chase lists the benefits of mobile wallet payments as increased security, faster payments/quicker lines, and less handling of cash.  This is elegance and simplicity.  As explained in Article 4 of the Declaration:

Complexity does not have to bring confusion or latency.  Problem solving will become quicker and more elegant.  From new data collection methods to processing horsepower (in the Amazon cloud, for example) to crunch through data, the answer to complexity does not have to be more complexity. There will be simplified and elegant solutions that can do much of the heavy lifting for us (e.g. configuring a custom dashboard in Tableau in hours rather than spending months configuring a similar front-end and collected reports in Hyperion).

For enterprise procurement, purchasing cards (also known as P-Cards) are a form of company charge card that allow employees to make business purchases within merchant category code (MCC) restrictions and company spending limits.  Just as individuals are continuously replacing their physical charge cards, businesses can now do the same.  And, again, it’s safer.

Procuring goods and services via your smartphone is already the norm in personal life – even if you’re just now realizing as much.  Why shouldn’t it also translate to your business purchasing?