Apple Job Openings Add to Speculation it Will Support NFC

Apple has posted two new job openings on its site, adding fuel to rumors that the company is planning to incorporate NFC in its next iPhone and might support payments–though neither of the job postings mentions NFC by name.

One of the postings advertises an opening for a "manager of global payment platforms,” though it’s not clear whether this is a newly created position. And the new staffer would manage existing customer payment options that enable Apple’s customers to purchase products at Apple's online store, on iTunes, and at its retail stores.

But the position, which reports to Apple's controller of global payment platforms, would also "explore new global payments initiatives and expansion." That includes researching global payment rules and regulations and also looking at "payment vehicles for new markets" and preparing a business case for them.

The other job opening is for an iPhone hardware test engineer, and among the nine items listed under "additional preferred experience" is being able to work with RF, or radio frequency, technology. The posting reportedly had earlier stated a preference for experience with RFID, which would have been a reference to contactless technology. But that reference was apparently changed to just RF. And the RF experience does not appear in the long list of actual requirements for the job.

Despite this, the postings will no doubt add to speculation among Apple watchers, as well as many in the NFC and larger payments industry, that Apple is ready to adopt NFC for its next iPhone, due out this summer, and possibly for its follow-up iPad–and could support contactless payments with the devices.

That speculation was stoked last week by an article by Bloomberg news service, which purports that Apple plans to enable NFC payments this year from the iPhone 5 and expected second version of the iPad, using its iTunes payment service. The article cites as its only source a technology consultant, Richard Doherty, director of U.S.-based consulting firm Envisioneering Group.

Doherty also said Apple has created a "prototype" payment terminal that it could sell at low cost or give away to small merchants. With iTunes, Apple has 100 million accounts with credit card or banking account information on file that it could use instead of open-loop bank payment, the article suggests.

The article is based largely on speculation, however, and Doherty in turn was citing as his sources unnamed "engineers who are working on hardware for the Apple project." But in follow-up articles in other publications, Doherty was quoted as saying that he’d talked to outside hardware markers working with Apple on accessories "in anticipation" of Apple rolling out NFC, or that he’s talked to Asian equipment suppliers "bidding for inclusion in the next iPhone." This is not the same as citing engineers working for Apple itself. 

While Apple appears likely to incorporate NFC technology in the iPhone 5, especially given past patent requests, any plans to introduce NFC-based payments using iTunes remain open to debate. Some observers also believe Google is gearing up to introduce NFC-based payments.

Others, however, believe that both Apple and Google are planning to offer NFC-based mobile wallets that would be open to various payment applications, including Visa- and MasterCard-branded bank payment accounts. Apple and Google instead would focus on using NFC to enhance the features and improve the user experience for a range of apps in their respective app stores, including location-based advertising, say the observers.

HEADLINE NEWS

Contactless EMV Card Rollout in U.S. to Pick Up Speed in 2020, but Shape of Adoption Remains Unclear

NFC TIMES Exclusive Insight – With contactless EMV cards expected to have a significant footprint in the U.S. in 2020, the debate continues over whether the rollout will promote or harm take-up of NFC mobile payments and whether contactless open-loop transit payments will make a real impact on use of contactless at the retail point of sale.

More Open-Loop Transit Payments Services to Launch in Taiwan

Dec 24 2019

NFC TIMES Exclusive Insight – Taiwan’s airport train service will begin accepting Visa- and Mastercard-branded credit cards starting next month, making it the second mass-transit service on the island nation to support open-loop payments for fares.

In-Depth: China Moving Forward On Face Payments of Transit Fares, Despite Some Hesitation by Users of Technology

NFC TIMES Exclusive Insight –  More and more Chinese cities are trialing use of facial recognition technology for transit ticketing, a development that could enable users to avoid either cards or smartphones to pay fares on subways and other modes of transit.

Apple Launches Express Transit in London; Mobility Service also Adds NFC Payments Feature in Apple Wallet

NFC TIMES Exclusive Insight – Apple has expanded its Express Transit service to another major market, enabling Apple Pay users to pay for fares on Transport for London-run trains and buses without first authenticating themselves on the NFC devices.

Analysis: Outlook Remains Dim for Bank Mobile Wallets as Another Major Bank Plans to Shut Down its Wallet App

NFC TIMES Exclusive Insight – Major Dutch bank ABN Amro will discontinue its NFC-enabled mobile wallet in January, a little more than three years after launching the app in late 2016, with the bank acknowledging that few customers use the service.

Use of Contactless EMV to Pay Transit Fares Accelerating, According to Two Agencies That Launched Service This Year

NFC TIMES Exclusive Insight – Two transit agencies, one large and one small, that began accepting contactless bank cards and NFC wallets to pay fares in recent months are reporting that use of the new payments services is accelerating among their customers.

More Transit Authorities and Operators, Including Those in UK, to Support Google Pay

Nov 6 2019

NFC TIMES Exclusive – San Francisco Bay Area transit authority MTC has confirmed to NFC Times that it will support mobile payments with its closed-loop Clipper transit card, including with Google Pay, by the end of 2020.

NFC Wallets Make Up Growing Share of Contactless Payments on London Transit

NFC TIMES Exclusive – Use of NFC wallets continues to steadily increase as part of Transport for London’s landmark contactless payments service, with payments from NFC-enabled smartphones and smartwatches now accounting for 20% of all contactless payments, NFC Times has learned. 

Market Research Firm: Apple Pay Surpasses Starbucks App in Users in U.S.

NFC TIMES Exclusive Insight –Apple Pay, which launched its mobile payments service five years ago this week in the U.S., has so far failed to live up to expectations with the service, either in the U.S. or globally, in terms of users and transactions.

Cubic Strikes Deal with Google to Enable Closed-Loop Transit Payments in Google Pay

NFC TIMES Exclusive Insight – In a move that could enable more large transit agencies to offer NFC mobile payments with their closed-loop transit cards, U.S.-based Cubic Transportation Systems has signed an agreement with Google to integrate contactless transit cards with Google Pay. Among the agencies planning to support the service are those serving Google’s home base in Silicon Valley and the San Francisco Bay Area, as well as the Metropolitan Transportation Authority in New York. 

In-Depth: Persistent Consumer Security Fears about Mobile Payments Prove Difficult to Dislodge

NFC TIMES Exclusive Insight – Results of yet another survey has shown that a significant percentage of U.S. consumers continue to harbor security fears about using their smartphones for payments, a stubborn problem that has hindered growth of mobile payments from the beginning.

Mobile Suica Still Accounts for Disappointing Share of Suica Users and Transactions in Japan

NFC TIMES Exclusive – While Apple Pay next month will mark the 5th anniversary since its launch in the U.S., there is another contactless-mobile payments service that is three times as old as Apple Pay–Japan’s Osaifu-Keitai, or wallet phones, which this year turned 15.