NFC Confidential

Apple Joins Conference Circuit and Hype Happens; And is Apple Pay Cash a Threat to Banks?

NFC TIMES Exclusive Insight –LAS VEGAS: Perhaps to both preserve its mystique and avoid leaks, Apple has scrupulously avoided speaking or exhibiting at trade shows and conferences over the years.

Features

U.S. Football Sees NFC-Enabled E-Tickets as way to Cut Fraud, Market to Fans

By: 
K.N. Smith

NFC TIMES Exclusive Insight – With the National Football League kicking off its season in a few weeks in the U.S., fans will be using NFC, QR codes and perhaps ultrasonic signals on their mobile devices, in addition to tapping contactless-enabled paper tickets, to attend football games and other events at all 31 NFL stadiums.

In-Depth: As U.S. Lags in Contactless Payments, are Issuers Ready to Roll Out Dual-Interface EMV Cards?

By: 
K.N. Smith

NFC TIMES Exclusive Insight – Most issuers in the U.S. have so far held back from rolling out contactless or dual-interface cards, but merchant acceptance has been quietly building over the past few years, despite some large U.S. retailers balking at accepting contactless cards and NFC-enabled devices.

In-Depth: Can Contactless Cards Succeed in U.S. Where NFC Mobile Wallets Have Failed?

By: 
K.N. Smith

NFC TIMES Exclusive Insight – Payments industry backers suggest that U.S. banks could have an incentive to begin contactless rollouts soon, but in the absence of deadlines from the major payments networks, which are rapidly approaching in other markets, there's no guarantee of rollouts in the U.S. on the horizon.

How Mobile Wallets, Payments Wearables, Tokenization Fared the Past Year, and Where They Stand Now

By: 
Dan Balaban

NFC TIMES Exclusive – As the digital payments ecosystem moves into 2018, it is dealing with many of the same unfulfilled promises, works in progress and unfinished business as in 2017.

U.S. Merchant Apps Square Off Against NFC ‘Pays’ Wallets: The Retailer Perspective

By: 
K.N. Smith

NFC TIMES Exclusive – As more U.S. merchants launch their own payments apps, some seem positioned to offer serious competition to Apple Pay and the other NFC “Pays” wallets.

Backers Look to Range of Devices for Contextual Commerce, Though Fragmentation Will Pose Challenges

By: 
K.N. Smith

NFC TIMES Exclusive Insight – Promoters of contextual commerce are looking to a range of connected devices, including smart appliances and such home hubs as Alexa–along with a host of mobile devices–to enable consumers to pay in almost every context. But many challenges remain for what could become a “very disjointed” array of payment options, experts say.

Feature: How Do Mobile Payments Fit into an Omnichannel World?

By: 
K.N. Smith

NFC TIMES Exclusive Insight – As retailers and payments services providers increasingly try to connect and track consumer transactions across online and in-store channels, mobile payments must function as part of an omnichannel payments ecosystem, say industry observers.

IoT Payments Backers Say Devices Will Range from the Familiar to the Far-Fetched

By: 
K.N. Smith

NFC TIMES Exclusive Insight – With the buzz around the Internet of Things growing ever stronger, the payments ecosystem is determined not to be left out.

Sound-Based Payments Target Developing Economies but Face Long Road to Consumer Take-Up

By: 
K.N. Smith

NFC TIMES Exclusive – With two sound-based payments launches in India in September, the technology has drawn some interest, but although several banks in emerging countries have signed on with sound-based payments platforms, consumer take-up remains unclear, and it’s likely that the road to adoption will be at least as slow as that faced by NFC payments in developed markets.

Energy Drink Promotion Features Different Way to Put Payment Applications Onto Objects

By: 
Dan Balaban

NFC TIMES Exclusive Insight – While the recent promotion by the makers of Lucozade Energy drinks in the UK, which enabled users to tap their bottles on contactless readers to redeem free rides on the London Underground, may have been just a clever marketing stunt, the way the drinks company got the prepaid EMV application onto the bottles broke the mold for how such applications usually get provisioned.

Headline News

USA Technologies Feels Wrath of Investors After Admitting Financial Irregularities and Audit Firm Quits

NFC TIMES Exclusive Insight – USA Technologies, or USAT, which has been the largest enabler of card and contactless payments on vending machines in the U.S., saw half its market cap wiped yesterday, after its independent audit firm, RSM US, resigned, saying it could no longer rely on USAT’s representations in connection with the 2017 audit of the company.

In-Depth: Payments Wearables Market Enters New Phase as Passive Devices Get Tokenized Bank Cards

Feb 22 2019

NFC TIMES Exclusive – With the announcement this month by large analog watchmaker Swatch of the expansion of its digital payments service SwatchPAY! to Europe, the payments wearables market could see a considerable change.

Provisioning Tokens to Swatch Watches in the Store: How SwatchPAY! Works

NFC TIMES Exclusive – Switzerland-based watchmaker Swatch plans to roll out its SwatchPAY! contactless payments service to a number of European countries and then perhaps globally, representing budding competition to Apple Pay, Fitbit Pay and Garmin Pay. But unlike these three smartwatch-enabled Pays services and others, SwatchPAY! uses low-cost analog watches as its payments devices.

Cook Discloses Apple Pay Transactions Showing That Growth Continues, Albeit Somewhat More Slowly Than Before

NFC TIMES Exclusive Insight – Apple Tuesday reported that its digital payments service recorded more than 1.8 billion transactions globally in the tech giant’s fiscal first quarter ending in December, more than double compared with the same quarter a year earlier–though transaction growth is slowing and transactions still represent a small percentage of total card transactions.

Garmin Pay Welcomes Support from Third U.S. Network but More Competition on Horizon

NFC TIMES Exclusive Insight – Garmin Pay added a third network to its smartwatch payments service in the U.S. this week, enabling Discover Financial Services-branded cards to be loaded onto its NFC-enabled devices, as more acceptance points for NFC payments in the U.S. come online to give consumers additional places to tap to pay.

Another Major Holdout Among Major U.S. Merchants, Target, Agrees to Accept Contactless and NFC Payments

NFC Times Exclusive Insight – Acceptance of contactless and NFC payments in the U.S. has lagged behind many other developed markets for years, but that continues to change, with another major merchant–big box retailer and top 10 U.S. chain Target­–announcing Tuesday that it would soon take tap and pay.

Swatch Expands Payments Service–Provides Affordable Analog Alternative to Smartwatches

Jan 21 2019

NFC TIMES Exclusive Insight – Swatch, one of the world’s largest watchmakers, has expanded its contactless-payments service to its home base of Switzerland, launching the restyled SwatchPAY! service with seven card issuers Thursday. A spokeswoman told NFC Times the company plans to expand the service to other European countries this year. 

Dutch Bank ABN Amro Commercially Launches Payments Wearables with System to Provision after Sale

Jan 18 2019

NFC TIMES Exclusive Insight – Dutch bank ABN Amro commercially launched its contactless payments service from wearables this week, following a lengthy pilot.

More Asian Cities Open Up to Open-Loop Cards and NFC- and QR Code-Based Fare Payments

Feb 22 2019

NFC TIMES Exclusive – Unlike transit authorities in the U.S. and Europe, transit agencies and the governments that control them in Asia often run their closed-loop fare-collection schemes as separate businesses.

In-Depth: Contactless Card Issuance to Finally Get Rolling in U.S. This Year

Jan 23 2019

NFC TIMES Exclusive Insight – The U.S. is finally on the brink of large-scale contactless EMV card issuance, with optimistic projections from the payment networks, and at least one of the largest U.S. issuers committed to converting its credit and debit card portfolios  to dual-interface cards by the end of 2019.

In-Depth: In-Car Payments Gears Up but Takes Time to Get Rolling

NFC TIMES Exclusive Insight – Car manufacturers, payments networks and platform providers continue to make deals as they gear up for the much-anticipated arrival of in-car payments–which would enable motorists to buy gasoline, pay for parking and purchase food for takeout, all from their dashboards.

Golden Globes Trophies Get Provisioned Like Payments Wearables to Ensure Authenticity

NFC TIMES Exclusive – The 76th Annual Golden Globes held Sunday featured the usual share of Hollywood celebrities preening for the cameras, showing off their new designer gowns and latest nips and tucks, while holding their trophies high if they won.

Home

Worldwide Project Database

Milan

Italy: TIM Wallet Remains Small, Though More Projects By Italian Telcos...
Telecom Italia’s mobile unit, or TIM, introduced its TIM Wallet around March, but NFC SIMs are still only available in fewer than 10 of its...

São Paulo and Rio de Janeiro

Brazil: TIM Brasil Launching Second NFC Trial; Commercial Launch Planned
Bradesco and TIM Brasil say they will enable users to pay for purchases at the physical point of sale, using a bank-issued payWave debit...

Taiwan

Hong Kong

Hong Kong: Hang Seng Bank and PCCW Launch NFC Service
Hang Seng announced the launch of its NFC payment service with PCCW mobile a few days before its H1 2013 deadline.

Dortmund

Germany: Telco and Bank Launch Trial of PayPass Credit Applet; Larger...
The trial enables users to tap to pay with two NFC-enabled Android phones prov

Norway

Norway: Largest Telco and Bank Plan NFC Payment Launch
Norway’s largest telco and its biggest bank plan to launch NFC payment and the Valyou wallet commerc

Poland

Poland: Orange Operator First to Announce NFC Commercial Launch
Orange Poland is rolling out a prepaid card, called Orange Cash, which is to be issued by BRE

Salt Lake City, Utah; Portland, Ore.

U.S.: Bank Launches Beta Test of microSDs with iPhone
U.S. Bank, the No. 5 commercial bank in the U.S.

Sydney

Australia: Vodafone Announces Plans for NFC Service; But Still Trialing...
Trial is a prelude to a commercial launch, that might begin next year, according to Vodafone.

Rome

Italy: Bank Launches Mobile-Payment Trial with Two Telcos and PayPass
Employees and customers of Italy’s BNL, part of France-based BNP Paribas group, will

Features Section

U.S. Football Sees NFC-Enabled E-Tickets as way to Cut Fraud, Market to Fans

By: 
K.N. Smith

NFC TIMES Exclusive Insight – With the National Football League kicking off its season in a few weeks in the U.S., fans will be using NFC, QR codes and perhaps ultrasonic signals on their mobile devices, in addition to tapping contactless-enabled paper tickets, to attend football games and other events at all 31 NFL stadiums.

In-Depth: As U.S. Lags in Contactless Payments, are Issuers Ready to Roll Out Dual-Interface EMV Cards?

By: 
K.N. Smith

NFC TIMES Exclusive Insight – Most issuers in the U.S. have so far held back from rolling out contactless or dual-interface cards, but merchant acceptance has been quietly building over the past few years, despite some large U.S. retailers balking at accepting contactless cards and NFC-enabled devices.

In-Depth: Can Contactless Cards Succeed in U.S. Where NFC Mobile Wallets Have Failed?

By: 
K.N. Smith

NFC TIMES Exclusive Insight – Payments industry backers suggest that U.S. banks could have an incentive to begin contactless rollouts soon, but in the absence of deadlines from the major payments networks, which are rapidly approaching in other markets, there's no guarantee of rollouts in the U.S. on the horizon.

How Mobile Wallets, Payments Wearables, Tokenization Fared the Past Year, and Where They Stand Now

By: 
Dan Balaban

NFC TIMES Exclusive – As the digital payments ecosystem moves into 2018, it is dealing with many of the same unfulfilled promises, works in progress and unfinished business as in 2017.

U.S. Merchant Apps Square Off Against NFC ‘Pays’ Wallets: The Retailer Perspective

By: 
K.N. Smith

NFC TIMES Exclusive – As more U.S. merchants launch their own payments apps, some seem positioned to offer serious competition to Apple Pay and the other NFC “Pays” wallets.

Backers Look to Range of Devices for Contextual Commerce, Though Fragmentation Will Pose Challenges

By: 
K.N. Smith

NFC TIMES Exclusive Insight – Promoters of contextual commerce are looking to a range of connected devices, including smart appliances and such home hubs as Alexa–along with a host of mobile devices–to enable consumers to pay in almost every context. But many challenges remain for what could become a “very disjointed” array of payment options, experts say.

Feature: How Do Mobile Payments Fit into an Omnichannel World?

By: 
K.N. Smith

NFC TIMES Exclusive Insight – As retailers and payments services providers increasingly try to connect and track consumer transactions across online and in-store channels, mobile payments must function as part of an omnichannel payments ecosystem, say industry observers.

IoT Payments Backers Say Devices Will Range from the Familiar to the Far-Fetched

By: 
K.N. Smith

NFC TIMES Exclusive Insight – With the buzz around the Internet of Things growing ever stronger, the payments ecosystem is determined not to be left out.

Sound-Based Payments Target Developing Economies but Face Long Road to Consumer Take-Up

By: 
K.N. Smith

NFC TIMES Exclusive – With two sound-based payments launches in India in September, the technology has drawn some interest, but although several banks in emerging countries have signed on with sound-based payments platforms, consumer take-up remains unclear, and it’s likely that the road to adoption will be at least as slow as that faced by NFC payments in developed markets.

Energy Drink Promotion Features Different Way to Put Payment Applications Onto Objects

By: 
Dan Balaban

NFC TIMES Exclusive Insight – While the recent promotion by the makers of Lucozade Energy drinks in the UK, which enabled users to tap their bottles on contactless readers to redeem free rides on the London Underground, may have been just a clever marketing stunt, the way the drinks company got the prepaid EMV application onto the bottles broke the mold for how such applications usually get provisioned.