Latest News

Westpac NZ Product Chief: HCE Offers Bank More Simplicity, Control

Aug 1 2014

NFC Times Exclusive: Westpac New Zealand’s product chief told NFC Times he believes host-card emulation will reduce costs and increase flexibility, while ensuring the bank can use its own branded wallet.

Australian Credit Union Launches First HCE Service in Asia Pacific

Jul 14 2014

Australia’s largest credit union, CUA, is the first financial institution in Asia-Pacific to commercially launch mobile payments using host-card emulation, announcing the move today in Australia.

Airlines Continue to Test NFC for Boarding; BLE Piloted for Airport Navigation

France-based telco Orange and Air France, along with airline industry and information technology services provider SITA have launched a trial of an NFC boarding pass application for the airline’s route from Toulouse to Paris, and SITA is also piloting Bluetooth low energy beacons at Dallas/Fort Worth International Airport.

BBVA’s Pioneering HCE Service: Payments Innovation Head Talks Tokens, Reasons for Shunning SIMs

NFC Times Exclusive: Host-card emulation represents an “inflection point” for driving the rollout of NFC mobile payments and could also help the SIM-based NFC ecosystem to become more efficient and less costly, the head of payments innovation for major Spanish bank BBVA told NFC Times.

Canada Sees More NFC Commercial Launches with SIMs, but Market Remains Unsettled

Jul 15 2014

NFC Times Exclusive: With its high rate of smartphone ownership, strong contactless-payment infrastructure and well-developed NFC ecosystem, Canada is increasingly seen as a market to watch for NFC commercial deployments.

Russian Bank Launches Delayed PayPass Service on Embedded Chips in Two Samsung NFC Models

Jul 15 2014

Russian Standard Bank launched its long-planned NFC-payments service on embedded chips in Samsung NFC devices, under an earlier partnership deal between Samsung Electronics and MasterCard Worldwide.

Next Android Operating System to Support Enhancements to HCE

The next major Android upgrade, code-named Android L, includes changes to the way host-card emulation handles default applications for payment, according to a developer preview.

Chinese Internet Payments Provider Alipay Taps NFC Phones to Offer Transit Ticketing

Jun 20 2014

Chinese Internet payments company Alipay is launching a service enabling riders to tap to pay for bus and metro fares with NFC-enabled smartphones.

Asia-Pacific Banks Gear Up for HCE; Likely Site of Some of the First Issuer-Led Launches

NFC Times Exclusive: Despite the interest in host-card emulation in North America and, to some extent, Europe grabbing the spotlight, there is a good chance that banks and other issuers in Asia-Pacific could generally commercialize the technology first, sources told NFC Times.

Capital One Reveals Reasons for Quitting Isis, Early Role in Promoting HCE

Capital One Financial’s vice president of digital commerce has spelled out publicly for the first time why the large U.S. credit card issuer dropped its support for the Isis Wallet and also revealed the bank’s early role with MasterCard Worldwide in developing host-card emulation for payments.

Canadian Telco Joint Venture EnStream Expands TSM Offer Via BlackBerry Deal

Canadian telco joint venture EnStream has signed a new three-year deal with BlackBerry, as it expands its TSM service into provisioning secure payment applications for Canadian banks.

AT&T Gears Up to Enable Nonpayment NFC Services, Apart from Isis

AUSTIN, Texas – U.S. mobile carrier AT&T plans to enable nonpayment NFC services, which could run alongside payment applications on its NFC SIMs, but would not be part of the Isis Wallet. 

Isis Sets Up Service Provider TSM, as It Seeks to Bring in More Issuers

AUSTIN, Texas – The Isis joint venture will offer a TSM service to banks, which Isis says would enable the issuers to avoid hiring their own trusted service managers to download and manage their applications for the Isis Wallet.

Future of Embedded Chips Uncertain, as Promise So Far Goes Unfulfilled for Samsung, Visa and MasterCard

NFC Times Exclusive: Assuming Apple doesn’t put embedded secure elements in its next iPhone as some are predicting, the future for the embedded chip technology for NFC phones is uncertain–beset by stalled projects, growing interest in host-card emulation and questionable continued support from Samsung.

NFC SIM Prices Hit Record Lows in China as Telcos Prepare to Order Millions of Cards for Rollouts

NFC Times Exclusive: Chinese mobile operators China Mobile and China Telecom have begun ordering what is expected to be tens of millions of low-cost NFC SIM cards this year as they prepare for large rollouts, while China Mobile is also planning to pay device makers to put NFC technology in their phones, sources told NFC Times.

SIMalliance Keeps an Eye on HCE as It Reports NFC SIM Shipment Growth in 2013

SIM vendor association SIMalliance offered more details about its members’ overall NFC SIM shipments in 2013, and despite the emergence of such alternatives as host-card emulation, the group contends that “significant increases in NFC (SIM) shipments look set to continue globally.”

Russia’s Largest Bank Plans to Launch HCE; Continues to Pursue Embedded Chips in Parallel

Russia’s largest bank, Sberbank, said it plans to launch NFC-mobile payments with host-card emulation this fall, the first major bank to disclose plans for an HCE launch.

Hungary's Largest Bank Plans NFC Rollout Despite Recent QR-Code Payment Launch

The launch of a QR code-based mobile wallet by Hungary’s largest bank, OTP Bank, and Hungary-based mobile-payments technology supplier Cellum, along with MasterCard Worldwide, is not expected to interfere with plans by the bank to launch NFC-mobile payments later in 2014.

Taiwan Banking Group Chooses TSM Vendor to Build Third Major TSM Platform for Island Nation

NFC Times Exclusive: A mobile-payments joint venture in Taiwan led by banking groups has chosen a trusted service manager, which could act as an aggregation service for a number of large and small banks in the country wanting to provision their applications on NFC phones, NFC Times has learned.

Updated: Deutsche Telekom Launches Long-Awaited NFC-Payments Service

May 7 2014

Germany’s Deutsche Telekom today launched its much-anticipated–and also much-delayed–NFC-mobile wallet, which features its own branded prepaid mobile-payments application that will anchor a promised mobile-commerce platform.

Scandinavian Airlines Plans to Introduce HCE-Enabled Boarding; Other Airlines Interested in Technology

May 7 2014

NFC Times Exclusive: Scandinavian Airlines plans to introduce an NFC application for frequent flyers using host-card emulation next month, and if its new mobile app arrives on schedule, it would likely be the first airline to commercialize HCE.

Vendor Group Confirms Strong Growth in Secure Elements and Contactless in 2013, but 2014 SE Forecast Likely in Flux

Vendor association Eurosmart has confirmed its estimate of 250 million secure elements shipped in 2013, up from 150 million units in 2012, and reported strong growth for contactless EMV cards; but it's not clear whether the group will stick with its projection made last November of 435 million secure elements for this year.

Transport for London Prepares to Accept Contactless EMV Cards on Tube; Warms to Mobile NFC

Transport for London has launched a key user trial as it gears up to accept fares on the London Underground and its other modes of transport from contactless EMV credit and debit cards, and for the first time is beginning to sound positive tones about possibly accepting payments from NFC phones.

Specs for Wi-Fi Pairing with NFC Get Boost; Wi-Fi Alliance Sees Advantages with NFC

Pairing of home and office devices and appliances via Wi-Fi has taken a step forward with updated NFC handover specifications from two trade organizations, the NFC Forum and the Wi-Fi Alliance.

More Major French Banks Prepare for Commercial Rollouts Using NFC SIMs

Apr 16 2014

NFC Times Exclusive: Following the recent announcement of a nationwide launch by BNP Paribas, at least three other major French banks plan commercial launches of NFC mobile payments in coming months, along with the expected launch of NFC payments by the banking arm of a major French retailer.

Deals

Samsung Pay Launches Octopus in Hong Kong, with Samsung's Latest Flagships Supporting FeliCa Technology

NFC TIMES Exclusive Insight – In the race among the major Pays wallets to add NFC transit ticketing to their mobile payments services, Samsung scored a win over Apple, with today’s launch of “Smart Octopus” with Samsung Pay.

Samsung Seeks Global Reach for NFC Transit Ticketing But Must Overcome Tech Challenges, Lack of Standards

NFC Times Exclusive – Samsung has been considering introducing NFC transit ticketing in every market where it has launched Samsung Pay, including the U.S., an

Gemalto Rejects Proposed Atos €4.3 Billion Takeover; Contends Bid Price 'Significantly Undervalues' Company

NFC TIMES Exclusive Insight – The board of struggling French smart card and security vendor Gemalto has rejected an all-cash €4.3 billion (US$5.08 billion) takeover bid by France-based IT services and consulting company Atos, calling Atos’ €46-per-share bid “opportunistic,” and contending that it “significantly undervalues” the company, among other objections.

In-Depth: Atos Offers €4.3 Billion to Acquire Struggling French Vendor Gemalto

Dec 14 2017

NFC TIMES Exclusive Insight – French IT services group Atos hopes to bolster its cybersecurity, IoT and payments offers with its €4.3 billion (US$5.07 billion) unsolicited bid to buy struggling France-based smart card and digital security vendor Gemalto.

Mastercard Quietly Certifies First Data and PayPal to Tokenize Mastercard-Branded Cards

NFC TIMES Exclusive – Mastercard has opened up tokenization of Mastercard-branded card accounts to two other major payments industry players, First Data and PayPal, enabling them to tokenize Mastercard-branded cards for mobile and other digital payments services as an alternative to Mastercard’s own token service, MDES, NFC Times has learned.

Apple Launches P2P Payments Featuring Own Digital Payment Card; Should Banks Worry?

NFC TIMES Exclusive Insight – A key part of Apple’s new Apple Pay Cash peer-to-peer payments service is its digital prepaid debit card–which can be used for in-store NFC purchases and other transactions–a first for the tech giant.

Target Shuns NFC and Apple Pay as Expected with New Wallet; Service Features Private-Label Card

NFC TIMES Exclusive Insight – Target has added its long-anticipated 2-D bar code-based wallet to its mobile app, following rival Wal-Mart Stores in launching its own payments service and shunning NFC and contactless, as expected.

Belgian Domestic Debit Network Seeks to Expand Use of Mobile Payments, Though Consumer Habits Hard to Break

Dec 1 2017

NFC TIMES Exclusive Insight – Belgium’s domestic debit network Bancontact is offering both QR code and NFC-based mobile payments services with 20 banks in the country, as backers seek to expand use by consumers of mobile and contactless payments, which each make up only around 1% of total Bancontact transactions.

Korean and Taiwanese Banks Test Loyalty Points Exchange Using Blockchain

NFC TIMES Exclusive Insight – KEB Hana Bank of South Korea and Taishin International Bank of Taiwan have demonstrated the transfer of bonus points and purchase of coupons using Blockchain technology, with KEB Hana Bank planning to launch initial service for visitors to the Winter Olympics next February in Pyeongchang, South Korea.

Norwegian Banks Move to Defend Against Global Tech Giants by Uniting Payments Services

NFC TIMES Exclusive Insight –  The “Pays” wallets, such as Apple Pay and Android Pay, have not yet launched in Norway, but Norwegian banks are not waiting for tech giants Apple and Google or other outside behemoths, such as Facebook, to try to gain a foothold.

Features

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.

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.