Dan Balaban's blog

Although Banks are Looking Keenly at HCE, NFC SIM Not Dead Yet

NFC Times Exclusive: While banks gearing up for NFC launches are keenly interested in host-card emulation, as this week’s NFC Times story about planned NFC launches in France notes, a number of banks in France and elsewhere do not plan to wait until HCE is mature enough for commercial rollouts.

Telcos, SIM Vendors Live with HCE; MasterCard Grows Silent on Google Waiver, Weve Deal

With Google’s strong push behind host-card emulation and endorsements from Visa and MasterCard Worldwide, mobile operators, SIM vendors and TSMs are resigned to living with the technology, even publicly supporting it–up to a point.

Backing by Visa Promises Big Boost for HCE, but Many Banks Expected to Stick with Secure Elements for Now

NFC Times Exclusive: Visa seems to be developing a habit of taking a dig at mobile operators right before their showcase event, the Mobile World Congress, which starts next week in Barcelona.

MCX Deal with Paydiant Leaves Gemalto in Limbo

The announcement Wednesday by U.S. merchant group MCX that it is working with U.S. vendor Paydiant for its planned QR-code based mobile-payments service raises doubts of just what role remains for France-based Gemalto.

Despite HCE Buzz, Expect Lots of Secure Elements in 2014

NFC Times Exclusive: Despite the buzz around host-card emulation, or HCE, which allows for payment and other NFC applications on contactless card terminals without the need for secure elements, expect plenty of embedded secure elements and NFC SIMs to be shipped in 2014.

CapOne Keen on HCE, OTI Wave Attachment

NFC Times Exclusive: When Capital One dropped out of the Isis trial in September, some people thought the issuer–one of the largest in the U.S.­–would be back, perhaps after it waited to see if Isis would actually take off.

Isis Technology May be Ready This Year, But Effective National Launch is 2014

NFC Times Exclusive: Isis made good on its pledge to go nationwide before the end of the year, with its announcement of its national launch today, after Verizon made version 2.0 of the Isis Mobile Wallet live on Google Play yesterday. That followed AT&T and T-Mobile USA, which had earlier made the new wallet app available.

Expanded Coverage and New Premium Content from NFC Times

There’s a lot of free NFC news and analysis on the Internet, and most of it is worth just about what you pay for it.

Battle Continues for Control of NFC Phones as Samsung Weighs in

At least two-thirds of NFC phones that shipped last year packed embedded secure chips and that share is expected to hold fast this year.

Where is Google Wallet 2.0? And is Bedier Bound for MCX?

Anticipation was peaking when Osama Bedier, Google’s vice president of wallet and payments, stepped to the stage for his keynote at the Money 2020 conference in Las Vegas Oct. 22.

HEADLINE NEWS

Apple Pay Enables Ventra Closed-Loop Fare Card in Chicago after Long Delay

NFC TIMES Exclusive Insight – Apple has finally made good on plans to enable fare payments through Apple Pay with the closed-loop Ventra card from the Chicago Transit Authority, or CTA, the latest major closed-loop card the tech giant has enabled in recent months.

Visa Rolls Out SoftPOS technology as It Seeks to Promote Acceptance of Contactless by More Small and Micro-Merchants

NFC TIMES Exclusive Insight -  Visa is rolling out what it calls “Tap to Phone” technology to 15 global markets, as it seeks to enable millions of small and micro-merchants that now mainly take cash to also accept contactless EMV credit and debit cards and credentials on NFC devices.

Trip-Planning Apps Moovit and Transit Enable Ticketing and Payments for Another Transit Agency

NFC TIMES Exclusive Insight – Multimodal trip-planning apps Moovit and Transit have introduced ticketing and payments in their apps for another North American transit agency, following an emerging trend for trip-planning apps to enable users to plan, book and pay for their rides all in one place. The app providers are offering the extra service as they seek ways to give users a better mobility-as-a-service experience.

Australia’s Commonwealth Bank Seeks to Expand Involvement in Public Transit and Other Mobility Payments Projects

NFC TIMES Exclusive Insight – Commonwealth Bank of Australia, the acquirer and processor for the open-loop payments service rolled out by Transport for New South Wales in Sydney, says it is negotiating with transit officials in other Australian states to help launch similar payments services. It also hopes to be involved in payments for mobility-as-a-service platforms.

Report: Nearly Two-Thirds of Survey Respondents Say They’ve Used Contactless Cards During Pandemic

NFC TIMES Exclusive Insight – There’s more evidence that the Covid-19 pandemic is helping to change the way that consumers pay, with more use of contactless cards, mobile wallets and e-commerce channels, according to the “World Payments Report 2020” published Tuesday by global consulting firm Capgemini.

UK Public Transit Officials in Midlands Seek to Replicate London’s Success in Pay-as-You-Go Contactless

NFC TIMES Exclusive Insight – Transit officials in the Midlands in the UK today are calling on the government to fund a London-style contactless fare-payments system across this large section of the country, which would enable riders to tap to pay for trips on rail, bus and tram networks with either closed- and open-loop cards and credentials on smartphones.  

Post-Lockdown, Transit Riders Want Agencies to Run Vehicles More Frequently, Provide Real-Time Arrival Information and Offer Contactless and Mobile Payments

NFC TIMES Exclusive Insight - Up to a third of transit riders in several cities say contactless payments and mobile ticketing would encourage them to return t

New York’s OMNY Project Completes Major Milestone, as Transit Officials Point to Steady Growth in Adoption

NFC TIMES Exclusive Insight – New York’s Metropolitan Transportation Authority says it is seeing steady growth in use of its OMNY open-loop fare payments system by customers–though overall open-loop payments remain small–as the agency continues its phased rollout of acceptance of contactless EMV bank cards and NFC Pays wallets. 

In-Depth: Trip-Planning Giant Moovit Begins to Enable Ticketing and Payments, as Rivals Make Similar Moves

NFC TIMES Exclusive Insight – Moovit, which bills itself as the world's largest “urban mobility app,” has begun to enable public transit ticketing and payments from its platform, as it seeks to deliver what it says is a true mobility-as-a-service experience for users.

Los Angeles Transit Authority Follows Through with Plans to Enable TAP Card for Apple Pay; Google Pay to Follow

NFC TIMES Exclusive Insight – Another major U.S. transit agency has introduced a virtual closed-loop card for Apple Pay this week, with the Los Angeles County Metropolitan Transportation Authority, or Metro, announcing the move Thursday. It comes a couple of days after the Washington (D.C.) Metropolitan Area Transit Authority, or WMATA, announced it had put its SmarTrip closed-loop card on Apple’s NFC-enabled devices, as well.

Apple Enables Virtual SmarTrip Fare Card for Apple Pay in Washington, D.C., with More Closed-Loop Transit Cards Expected This Year in U.S.

NFC TIMES Exclusive Insight – Apple added support for its latest closed-loop transit card for Apple Pay, enabling customers of the Washington Metropolitan Area Transit Authority, or WMATA, to tap their NFC-enabled iPhones and Apple Watches to pay for rides with WMATA’s SmarTrip virtual card.

Insight: Apple’s Long Game Pays Off, Conquering Resistance to Apple Pay from Banks in Europe and Beyond

NFC TIMES Exclusive Insight – It’s coming up on six years since Apple announced its groundbreaking digital-payments service, Apple Pay. And while consumer adoption remains a work in progress, Apple has had considerable success gaining participation from banks and other issuers in what is now more than 50 countries worldwide.