This startup has launched in the United Kingdom and is already targeting 20 million users in the next 4 years.

Zapp, a mobile payments company in the United Kingdom, has vowed that it will reach 20 million users by the close of the year 2017, which would bring them to a size in which they would be considered a rival to more traditional giants in the transaction industry, such as Visa or MasterCard, by the time the decade is done.

This service was implemented earlier this year by VocaLink with the goal of boosting real time transactions.

The purpose was to bring the Zapp mobile payments, in real time, to the in-store experience, as well as online and through apps. This would help to boost the smartphone based experience both over m-commerce as well as in brick and mortar shops in the United Kingdom. It was accomplished through the integration of its system into banking applications and by using the Faster Payments rail taps.

Zapp is currently on the cusp of solidifying mobile payments deals with as many as three large banks in the United Kingdom.

Those institutions would, in turn, invite their own customers to choose to take part in the service once it is officially rolled out in the second half of 2014.

The customers who opt into this mobile payments service would be able to pay for their products and services by using their banking app, bypassing the need to use the traditional card networks. This system, according to Zapp, is even more secure and convenient than other options that are currently available to consumers as they don’t need to provide the retailer or merchant with any of their card data. Instead, there is a token that lasts for only a few moments and has no intrinsic value, but that provides the authorization for the payment request. This is passed from the retailer to Zapp, and then onward to the bank of the customer.

Especially in the case of in-store purchases, Zapp explained that the lengthy log-in requirements that are currently used by some banks for their apps access could make the process unappealing for consumers. However, Zapp allows the same bank to be used while overcoming that issue through “adaptive authentication”, which reduces the barriers for smaller sized mobile payments.

It hardly comes as a surprise, but the time for using this network without advertising has now passed.

Instagram has now officially changed its social media marketing strategy as sponsored advertising is now being delivered to its users in the United States, eliminating the “preview” time in which user feeds were free of ads.

Sponsored photos will become a regular part of this Facebook owned network’s feeds.

Among the first social media marketing campaigns that will be viewed as sponsored ads on Instagram for U.S. consumers will be courtesy of Michael Kors, the fashion brand. The ad will feature one of the watches from that company’s collection of Timeless pieces. When this first ad is posted on the site, it will mark the close of the “preview” period on the site that was designed to help the network’s approximately 150 million active users to become accustomed to the idea of seeing images and video ads within their feeds that had previously been free of any advertising at all.

This has become what is appearing to be a social media marketing trend that is closing in on universal.

American users of Instagram will see the Michael Kors image regardless of whether or not they are following the brand on their accounts. This ad will include a sponsored label to identify it as a placement that has been paid for by the brand. Viewers will then be able to choose to hide it, leave it as it is, or even provide feedback if they don’t appreciate the content of that ad or any others that will be displayed in the future. The hope is to help to integrate the social media marketing into the feeds without taking away from the user experience.

Social media marketing with ads in feeds has not been present on Instagram throughout its entire three year lifespan, so far. However, when the service sold to Facebook, last year, for $1 billion, it had intentions to offer magazine-quality ads that it hoped its viewers would like. This appears to be the first visible phase in that new effort to further monetize the network.