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Chinese Transit Ticketing in OEM Pay Wallet Shows Early Signs of Use; Hubs Required for Expansion

NFC Times Exclusive Insight –  About 60% of Chinese consumers who have activated transit cards in their Xiaomi Mi Pay wallet phones in Shenzhen and Shanghai have topped up value on the cards at least twice–an indicator of use–Charles Dachs, NXP Semiconductors’ NFC chief, told NFC Times, noting that there are more rollouts of NFC transit ticketing to come in OEM Pay wallets in China.

Like Domestic Debit Providers Elsewhere, Nets Gears Up to Support Expected Coming of 'Pays' Wallets to Nordics

NFC Times Exclusive Insight – As “Pays” mobile payments services, such as Apple Pay and Samsung Pay, continue to expand internationally, domestic debit networks and their payments technology providers want to be ready to enable banks to plug into the new wallets, if and when they launch.

Citigroup to Launch ‘Citi Pay’ Mobile Payments Service with Help from Mastercard

NFC Times Exclusive – U.S.-based Citigroup plans to soon launch its own NFC-based mobile payments service, Citi Pay, in the U.S. and Asia, in part using technology from Mastercard, NFC Times has learned.

Apple Pay Launch in Japan Opens Up More Opportunities for Third-Party Vendors

NFC Times Exclusive – As Apple moves closer to launching Apple Pay in Japan, the FeliCa-based service is opening up business opportunities for third-party technology suppliers, unlike most other countries where Apple Pay has launched.

Seamless Goes Ahead with HCE Expansion of SEQR Mobile Wallet for European Users

NFC Times Exclusive Insight – Following the initial soft launch of its NFC payments service in its home base, Sweden-based Seamless Distribution, the parent company of the SEQR wallet, is enabling HCE for all European users as it seeks global acceptance of its proprietary mobile payments service.

Apple Pay Expands to Russia with Support from Mastercard and Country’s Biggest Bank

Exclusive NFC Times Insight – Less than a week after Samsung switched on its mobile payments service in Russia, Apple has launched Apple Pay in the country, continuing the international expansion of its NFC payments service to a 10th market.

Expert: Reported Qualcomm Deal for NXP Not Expected to Limit NFC Chip Availability

Oct 4 2016

NFC Times Exclusive Insight –  If a planned acquisition by Qualcomm of NXP Semiconductors, as reported, were to go through, it would not affect supplies of NFC chips to smartphone makers using other processor chips, said an expert.

Samsung Pay to Launch in Russia with Support from Mastercard and Limited Number of Banks

Sep 30 2016

UPDATED: NFC Times Excusive Insight – Samsung Pay is expected to launch in Russia tomorrow, beating Apple to the market, which disclosed earlier this month that it plans a Russian launch of Apple Pay before the end of the year.

Two Major Taiwanese Telcos Plan to Adopt HCE, as They Deal with TSM Troubles and Imminent Arrival of OEM Pay

Sep 26 2016

NFC Times Exclusive –  In the first cases of its kind to come to light, two of Taiwan’s largest telcos are planning to support host card emulation in their wallets, as they seek to overcome problems with their joint TSM and to prepare for the coming of OEM Pay to Taiwan, expected in the first quarter of next year, NFC Times has learned.

Prepping for the Pays: Far EasTone Offers Range of Wallet Services It Believes Apple Can’t Match

NFC Times Exclusive – With the expected arrival of such OEM Pay services as Apple Pay and Samsung Pay as early as the first quarter of next year, Taiwan’s major telcos are gearing up to keep their own mobile wallets competitive.

Czech Banks See Opportunity for Deploying HCE Mobile Payments

NFC Times Exclusive – Czech banks are looking to capitalize on a growing contactless point-of-sale infrastructure in the country, with two of the five largest banks there having already launched HCE-based mobile payments and the others looking to join the market, NFC Times has learned.

OEM Pay Services Drive Renewed Interest in NFC Transit Ticketing, Especially in China

Sep 28 2016

NFC Times Exclusive – The planned launch of NFC transit ticketing in Japan next month with Apple Pay shined the spotlight on the emergence of closed-loop NFC transit ticketing–which has been seen as a prime application for NFC phones but one that has disappointed NFC backers for years.

Analysis: Agreements with Visa, Mastercard and Earlier Deal with Discover Could Help PayPal Reverse Years of Failures at Physical Point of Sale

NFC Times Exclusive Insight – Agreements that were announced with Visa, Discover and, last week, Mastercard may finally help PayPal reverse years of failed attempts to enable customers to pay with its PayPal Wallet in stores.

Analysis: FeliCa Mobile Payment and Ticketing Nothing New in Japan, as Apple Strains for Apple Pay Developments to Spotlight

NFC Times Exclusive Insight – Apple Wednesday confirmed that its new iPhone 7 smartphones and second-generation Apple Watch will support Sony’s proprietary FeliCa technology in Japan, as earlier reported, enabling transit and retail payments when Apple Pay launches in Japan next month. The tech giant will also expand Apple Pay into New Zealand and Russia this year, though was able to announce only one issuer so far between the two countries.

MeaWallet Makes Transition from TSM to HCE Supplier but Challenges, including Lawsuit, Remain

Sep 8 2016

NFC Times Exclusive Insight – Rising from a failed TSM and wallet provider, Norway-based MeaWallet has transformed itself into a certified supplier of host card emulation technology, now part of Sweden-based Seamless Distribution.

Huawei and Xiaomi Sign Up More Banks and Transit Agencies for ‘Pays’ Services in China

NFC Times Excusive Insight – China’s mobile payments market continues to heat up, with Chinese smartphone makers Huawei and Xiaomi announcing lineups of major banks as well as transit agencies participating in their respective NFC-based ‘Pays’ services.

Apple Refuses to Open NFC Technology; Contends Australian Banks Want to Boost Own Wallets

NFC Times Exclusive Insight – Apple vowed it will not agree to open up its NFC technology or yield to other negotiating points that four large Australian banks have raised as part of their request to antitrust regulators to negotiate collectively with Apple and to boycott participation in Apple Pay while the negotiations are going on.

Source: Apple Plans to Support FeliCa and NFC in Japan, Like Other OEMs, but Not Necessarily Apple Pay Yet

Aug 26 2016

NFC Times Exclusive Insight – Apple plans to support proprietary FeliCa technology as well as NFC in its iPhones sold in Japan like other handset makers in Japan have been doing since 2012, probably starting with the iPhone 7; but the tech giant won’t necessarily introduce Apple Pay with the device, a source told NFC Times.

Analysis: Samsung Marks One-Year Anniversary of Payments Service by Touting 100 Million Transactions but Still has Much to Prove

NFC Times Exclusive Insight – Twelve months after launch, Samsung Pay is available in seven countries and eight total markets with users having made a combined 100 million or so transactions over the past year, but the tech giant is not disclosing its total number of users.

Australian Retail Giant Coles, Merchant Group Support Banks' Fight Against Apple

NFC Times Exclusive Insight – One of Australia's largest supermarket chain, Coles, and the Australian Retailers Association have thrown their support behind four major banks seeking permission from Australian antitrust regulators to negotiate as a bloc with Apple as they try to break what they see as the tech giant's divide-and-conquer strategy for recruiting banks for Apple Pay.

Visa, Mastercard Set Deadlines for Ending Support for Alternate PANs

NFC Times Exclusive – Both Visa and Mastercard have set deadlines for ending support for alternate PANs that a number of banks are issuing for their mobile payments apps, as the schemes continue to push their own tokenization services to issuers, NFC Times has learned.

Xiaomi's Mi Pay Joins Crowded ‘OEM Pay’ Market in China, as Device Maker Seeks to Slow Slide in Sales

NFC Times Exclusive Insight – Adding mobile payments capabilities to flagship smartphones appears to be a must-have feature as OEMs fight for market share in China’s hotly contested phone market.

OTI Continues to Cut Costs and Position Itself for Growth, but Won’t Project When It Will Finally Turn Profit

NFC Times Exclusive Insight – Contactless reader and NFC vendor On Track Innovations reported lower expenses and says it has positioned itself to earn more revenue from services in addition to its reader sales and possible NFC patent income–all in hopes of making the company profitable for the first time in its history. The question of when that will happen remains unanswered, however, and OTI doesn’t provide guidance.

Apple Strikes Back at Australian Banks Seeking to Bargain Collectively, Branding Them a ‘Cartel’

NFC Times Exclusive Insight – Apple has responded to a request to regulators by four major Australian banks to jointly negotiate terms for their adoption of Apple Pay and to boycott participation during the negotiations with a strongly worded letter, branding the group’s proposed action worthy of a “cartel” that would “harm consumers, lead to less competition and less innovation and set a troubling precedent.”

Visa Policy on Alternate PANs Leaves Cardholders Out in the Cold in Taiwan

NFC Times Exclusive – Fourteen banks in Taiwan launched mobile payments using host card emulation late last week or plan to do so in coming weeks, but none of the cards that the banks’ customers can load into their new Android wallet apps will sport the Visa logo–one of the two main bank card brands in Taiwan. 

Deals

Apple Watch Likely to Lag Behind in Tag-Reading Ecosystem

NFC TIMES Exclusive – As the NFC tag industry responds to iOS 11, Apple Watch isn’t drawing much focus, and use cases for tag-reading on the wearable remain limited.

Wells Fargo Launches NFC-Enabled ATMs, Though Rollout is One Year Behind Schedule

Oct 16 2017

NFC TIMES Exclusive Insight – Wells Fargo, the third largest U.S. bank by assets, made good on its pledge last March to launch NFC-enabled ATM cash withdrawals by the end of this year, although that is one year behind schedule, and Wells Fargo is far from the first major bank globally to support the technology on ATMs, even in the U.S.

Apple Pay Finally Signs Up Second Major Bank in New Zealand

NFC TIMES Exclusive Insight – In certain markets, Apple continues to face resistance from major banks, which, among other things, do not want to participate in an Apple-branded wallet. That’s true in Australia and in such major Western European markets as France, Spain and Italy, where only one major bank in each country is supporting Apple Pay.

Carrefour Pay Launches in China with UnionPay, but Can the Network Beat Back Rivals Alipay and Tencent?

NFC TIMES Exclusive Insight – Carrefour and China UnionPay have launched their 2-D bar code-based Carrefour Pay wallet feature, as UnionPay continues to try to find relevance in a booming Chinese mobile payments market now dominated by Alipay and WeChat Pay.  

First Major Chinese City Accepts UnionPay Bank Cards–and Apple Pay–for Transit Fares

NFC TIMES Exclusive Insight – China UnionPay and the Guangzhou Metro have announced the transit company will accept UnionPay-branded contactless credit cards and bank cards loaded into the Apple Wallet, the first such Chinese city to support open-loop fare collection.

Commonwealth Bank of Australia to Support Fitbit Pay in Addition to Garmin Pay and Android Pay; Continues to Shun Apple Pay

NFC TIMES Exclusive – Commonwealth Bank of Australia will support mobile payments with Fitbit Pay and the wearables maker’s forthcoming Ionic smartwatch, NFC Times has learned. That’s in addition to support for Garmin Pay and Android Pay, which the bank announced earlier this week; but the bank appears set to continue snubbing Apple Pay.

Mastercard Survey: Use of Mobile for Purchases in Emerging Markets in Asia Pacific Far Surpasses Use in Developed Countries

NFC TIMES Exclusive Insight – Despite large rollouts of NFC or related technologies in such developed Asia-Pacific markets as Japan, Australia and New Zealand, use of mobile phones for purchases in emerging markets in the region far outstrips those in developed markets, a Mastercard mobile shopping survey found.

Google Shuns NFC for ‘Audio QR’ in Tez Mobile App in India

NFC TIMES Exclusive Insight – Google’s new payments app in India, Tez, uses proprietary sound-based technology to enable mobile payments–shunning both NFC and also apparently scannable QR codes, as the tech giant seeks to break into the country’s rapidly growing but increasingly crowded digital payments market.

Mastercard's Renamed ‘Engage’ Program for Digital Payments Vendors Lists Relatively Few Certified MDES Partners

NFC TIMES Exclusive – Mastercard has released its list of “partners” or certified vendors that it hopes will help the network roll out its key digital payments products, the Masterpass wallet and tokenization from the Mastercard Digital Enablement Service, or MDES. (See table below.)

Visa Ready Program May Not be Quite Ready for Tokenization Partners

Sep 15 2017

NFC TIMES Exclusive – The Visa Ready program, Visa’s effort to get new digital payments services to the market sooner by giving vendors a fast-track route for their products and technologies to be certified, may not be quite ready–at least as far as Visa’s tokenization partner program is concerned

Features

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.

Developers and UK Smart Ticketing Organization ITSO Look to HCE as Option for NFC Transit Ticketing

By: 
Istvan Fekete

NFC TIMES Exclusive Insight – As OEM Pay wallet providers try to get more transit operators to put their closed-loop ticketing applets onto the NFC embedded secure chips in their devices, there is growing interest in alternatives to enable mobile transit ticketing.

Are Security Fears Really Holding Reluctant Mobile Payments Users Back?

By: 
Chandra Lye

NFC TIMES Exclusive – The low number of mobile payment users may have little to do with security, one researcher says.

NFC Transit Ticketing Finally Starts to Get on Track after Years of Delays and Broken Promises

By: 
Dan Balaban

NFC Times Exclusive – NFC mobile transit ticketing–an application that once held much promise but has shown few results over the past decadefinally appears to be pulling out of the station, getting a boost from the growing interest in open-loop fare collection, the emergence of the “Pays” mobile payments services and increasing efforts by standards makers to solve basic interoperability problems between NFC phones and transit terminals.

Provisioning Companies for Payments Wearables Say Devices Headed to Market; Tokenization Key to Achieving Scale

By: 
Dan Balaban

NFC Times Exclusive Insight – As payments companies pin their hopes on wearables becoming the next wave of portable payments devices, not surprisingly there is more hype than substance when it comes to commercial launches.

Getting Payment onto Wearables–a Start-Up Sees a Niche for TSM Technology

By: 
Dan Balaban

NFC Times Exclusive – As mainstream trusted service managers struggle to cope with a world in which their services are in much less demand, a tiny, self-funded start-up is seeking to carve out a niche as TSM for millions of fitness wristbands, festival bracelets and other lower-end wearables that might one day be enabled for payment.

Open Mobile Ticketing Alliance to Use Tokenization; Faces Long Road Ahead

By: 
Dan Balaban

NFC Times Exclusive Insight – Spokespersons for Nokia’s HERE digital mapping business declined to comment on how the acquisition of HERE by German carmakers BMW, Audi and Mercedes, announced yesterday, would affect its leading role in the NFC-based Open Mobile Ticketing Alliance.

Longer-Range NFC Tags Could Bring in More Applications but Also More Privacy and Security Concerns

By: 
Kiona Smith-Strickland

NFC Times Exclusive – As the NFC Forum develops its tag Type 5 specification based on the ISO/IEC 15693 protocol, industry sources say that NFC tags using the longer-range protocol could see demand in medical, industrial, and supply chain applications, and most handsets and readers on the market can currently read the tags, although there are still concerns about interoperability and security.

Tokenization: Panel Looks at Costs and Benefits of Transformative Technology

By: 
Kiona Smith-Strickland

NFC Times Exclusive With tokenization scaling up, some players in the payments ecosystem will see financial benefit, while others will pay the cost of implementing the technology.