Archive for the ‘NFC’ Category

  • Google moves in the payments game

    on Jan 22, 15 • in News, NFC, Payments, Privacy & Security, Slider • with 1 Comment

    Google moves in the payments game

    While the focus has been firmly on Apple and the expectation is that it has the upper hand in the payments world, do not write off other players. The latest twist is rumoured to be coming from Google, as they apparently want to get hold of Softcard, the company formerly known as ISIS (rhymes with crisis) about which we have been, let’s face it, less than polite. Presumably the reason is partly because it is cheap, at $50 million. It is, or was until employees were told to down tools until a buyer was found,

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  • Customers paying bills via mobile

    on Jan 13, 15 • in Billing, NFC, Opinion, Payments, Slider • with No Comments

    Customers paying bills via mobile

    When we focus on mobile we tend to lean towards payments – and rightly so, since NFC based payments will be worth $130 billion by 2020, according to Strategy Analytics. But a survey conducted by Fiserv towards the end of 2014 shows that more households are paying regular bills via their mobile device. The trend is being led by the US – and by Millenials – but it is a wake up for operators to build this functionality into new billing platforms. 40 percent of the 65 million smartphone users in the US pay at

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  • Banks, legacy systems and a one-view wonder

    on Nov 3, 14 • in Beyond Billing, NFC, Payments, Slider • with No Comments

    Banks, legacy systems and a one-view wonder

    Amongst the heap of supplements that make up the modern Sunday newspaper (paper version, online versions available), was one called ‘We have lift off – plotting the best route through the crowded payments space.’ Amongst stories of the French being able to tweet money, Bitcoin – not to be confused with bitcoin (the currency itself) – and the clash between Apple Pay and MCX (more anon) was a headline that brought flashbacks. ‘Banking platforms:’ went the title, ‘the unwelcome legacy.’ The first line was even more hallucinogenic. ‘Creating a single point of view of the

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  • P2P payments hit the jackpot

    on Oct 30, 14 • in Beyond Billing, NFC, Payments, Slider • with No Comments

    P2P payments hit the jackpot

    With all the hype about Apple Pay and whether or not it will be a huge success – recent news about some merchants shutting it off notwithstanding – people are finally looking at mobile devices as a viable way to pay for goods and services. It’s been a slow march to get to this point, but with millions of new iPhones able to make payments at thousands of locations, along with Android and other NFC-enabled devices and mobile wallets that have been doing it for years, we may finally have reached critical mass on mobile

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  • Wearables the future of payments? I’m not convinced …

    on Oct 20, 14 • in NFC, Payments, Slider • with 2 Comments

    Wearables the future of payments? I’m not convinced …

    A few weeks back I spotted the bPay band from Barclaycard which supports contactless NFC payments via a wristband. Using the bPay website you load money from a debit or credit card and then make payments up to £20 by touching the band on the usual contactless card readers in store. As a payments geek I had no alternative but to get one! After a couple of weeks my bPay band duly arrived; I topped up and headed out to buy some stuff. Waitrose, Boots, Caffe Nero, Marks & Spencer – the world was my

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  • Mixed drinks, no mixed messages

    on Oct 17, 14 • in Beyond Billing, News, NFC, Slider • with No Comments

    Mixed drinks, no mixed messages

    Bars and pubs of all levels of repute have several things in common that are obvious as soon as you walk in the door, and actually before you even walk in. From the outside, you’ll likely see flashing neon and other colorful signs for various brands of beer and other liquid refreshment. This bombardment of ads continues when you step inside with yet more neon, mirrors and clocks emblazoned with company logos, coasters, mats and much more in the way of marketing at just about every corner of the establishment. Most of us can tune these

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  • PayPal to go it alone – we wonder why

    on Oct 7, 14 • in NFC, Payments, Slider • with No Comments

    PayPal to go it alone – we wonder why

    To the untrained eye, the impact that Apple’s late, possibly great, move into payments is having is astonishing. Just last week, PayPal and eBay announced that they would become two companies from next year, following a Board level strategic review. One has to wonder whether ‘strategic’ in this context should be spelt ‘panic stricken.’ Speculation is rife about why the split is to happen. Some of it involves the value of the two companies – and the feeling (probably justified) that together they are smothering value. Separated they will be worth more than if they

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  • Did Apple just win the payments game?

    on Sep 30, 14 • in Beyond Billing, NFC, Payments, Slider • with 2 Comments

    Did Apple just win the payments game?

    The short list for prizes for the most under-stated headline now includes this gem for our friends at Mobile Payments Today. It reads ‘MNOs face some uncertainty with mobile wallets.’ It should have included a cartoon of an executive having a panic attack, or being crushed by an Apple or having a panic attack because he is about to be crushed by an Apple. Once again, we see Apple biding its time, working relentlessly on doing something significantly different, and easy for the customer. Once again, Apple has shown how overpowering their market position is, and

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  • Amex bites the mobile payment hand that feeds it

    on Sep 18, 14 • in Beyond Billing, NFC, Payments, Slider • with No Comments

    Amex bites the mobile payment hand that feeds it

    At Apple’s latest product unveiling, people might have oohed and aahed over the bigger iPhone 6 screens and the Apple Watch, but the big story was undoubtedly Apple Pay. It, more than anything else announced that morning, has the potential to be a real game changer. We’ve already devoted space to Apple Pay here, here and here, with the general consensus of our own pundits and others in the industry that it will finally give mobile payments the boost it desperately needs. But it’s not without its detractors, including an executive from American Express. Josh

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  • An obsession with payments – why?

    on Sep 8, 14 • in NFC, Payments, Slider • with 1 Comment

    An obsession with payments – why?

    Payments used to be boring. You would meet a Billing Manager at a conference and he would say he looked after billing and payments and you would start talking about billing. Now, so some would say, Billing is dead (long live charging or something) and payments is where it is at. Everyone is getting into payments. Almost every day, we hear of a start up, a wallet that lets you know you have left it behind, perhaps, or that a bank has launched an app. Payments providers are investing millions, telecoms companies (old established ones)

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