NFC Confidential

Tip Sheet: Visa Relents on Alternate PANs in Taiwan, but Phase-Out Rule Stands; Will Big European Banks Comply?

NFC Times Exclusive – Visa has taken a more aggressive approach than Mastercard to ending support for alternate PANs, which it considers an impediment to its ultimate goal of converting all Visa-branded cards loaded onto smartphones and other devices to tokens complying with the EMVCo tokenization framework–preferably using its own Visa Token Service.

Features

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.

Survey: NFC Trumps QR Codes and Beacons for Connecting to Nonpayments Applications in Stores

By: 
Kiona Smith-Strickland

NFC Times Exclusive Insight – Between two-thirds and three-quarters of U.S. consumers say they are interested in using NFC for nonpayment retail applications, according to a study funded by the NFC Forum by research firm Strategy Analytics.

Start-Up Takes on Apple Pay but Needs Help from Other OEMs

By: 
Dan Balaban

NFC Times Exclusive: While some high-volume U.S. merchants, such as McDonald’s, Subway and Walgreens accept Apple Pay, along with other NFC-payments services, a key weakness of these platforms is the low percentage of merchants in the U.S. where consumers can tap to pay with their phones.  

Zapp Plans September 2015 Launch for ACH-Based Mobile-Payments Service in UK

By: 
Kiona Smith-Strickland

NFC Times Exclusive: While Apple Pay has re-energized interest in bank-issued mobile credit and debit cards using secure elements in NFC phones, backers of decoupled debit and other automated clearing house-based mobile-payments schemes continue to gear up.

Headline News

Analysis: Why QR Codes are Challenging NFC to Enable Mobile Payments

NFC TIMES Exclusive – Despite the resurgence in demand for NFC technology with the launch of Apple Pay in 2014, followed by other NFC-enabled “Pays” wallets and the separate rollout of HCE technology by Google, use of QR codes for mobile payments continues to grow in popularity globally.

Aussie Banking Group: Apple Holding Issuers ‘Hostage’ with Its Restrictive NFC Policies

Feb 13 2017

NFC TIMES Exclusive – A spokesman for four major Australian banks battling Apple for access to NFC technology on its iPhones shot back at Apple's latest filing with Australian competition officials, denying that the banks are trying to avoid paying fees to Apple to participate in the payments service, the spokesman told NFC Times.

Netcetera Acquires Longtime NFC Tech Supplier Nexperts, as It Seeks to Expand Multichannel Offer to European Banks

NFC TIMES Exclusive – Switzerland-based payments software company Netcetera acquired longtime NFC technology supplier Nexperts of Austria to deliver a multich

Apple Makes Apple Pay Launch in Taiwan Official; Global Use of Mobile Payments Service Rises

NFC TIMES Exclusive Insight – Two years after launch, Apple says Apple Pay users carried out hundreds of millions of transactions worth billions of dollars during the fourth quarter, Apple CEO Tim Cook told financial analysts Thursday, although Apple still doesn’t release actual transaction figures.

Analysis: Why Rollouts of Payments Wearables Have Gotten Off to Slow Start

NFC TIMES Exclusive – The rollout of payments wearables is hitting a snag, with commercial and technical challenges holding back plans by industry players to enable consumers to buy wristbands, analog watches, rings and other wearables and then load them with their favorite debit and credit cards. (See table, challenge sections, below.)

Case Study: Czech Bank ČSOB Describes First-Mover HCE Launch; Questions Whether Visa and Mastercard are ‘Partners or Competitors’

NFC TIMES Exclusive – ČSOB, the Czech Republic’s No. 2 bank, faced challenges in launching the country’s first HCE-based wallet last year.

Analysis: Trends to Watch This Year in Tokenization, HCE, ‘Pays’ Wallets, Wearables and More

NFC Times Exclusive – The coming year will see the major networks continuing to dominate tokenization, even though at least a few more domestic payments schemes will begin tokenizing cards.

Major Taiwanese Banks Prepare for Launch of Apple Pay

NFC Times Exclusive –  At least six of Taiwan’s largest card issuers are lined up to participate in Apple Pay when it launches on the island nation, expected before the end of the first quarter, NFC Times has learned.

Analysis: STMicroelectronics Seeks to Stay Competitive in Payments Wearables Market with Provisioning Partnership

Jan 14 2017

NFC Times Exclusive Insight Chip maker STMicroelectronics has been gearing up to make a play for the payments wearables market, an initiative punctuated by its announcement last week that it is working with Germany-based Giesecke & Devrient and payments wearables technology start-up FitPay to streamline provisioning of card credentials on its embedded chips.

Deutsche Telekom Casts Doubt on Future of NFC SIMs, as It Quietly Closes Wallet in Germany

NFC Times Exclusive Insight – Deutsche Telekom, one of the most important backers of SIM-based NFC through the years, now questions whether the technology could ever become a standard, as it quietly withdrew its little-used SIM-based NFC mobile wallet from the German market last week after more than two years.

Top 10 Misses: Wallet Take-Up, Bank Recruitment, Payments Wearables Rollouts Led List of Disappointments in Past Year

Jan 5 2017

NFC Times Exclusive – The rollout of digital payments, including services using NFC technology, are undoubtedly making progress, especially compared with just a few years ago.

More Chinese Smartphone Makers Enable NFC Transit Ticketing

NFC Times Exclusive – More Chinese OEMs have launched support for NFC transit ticketing, following earlier launches by Xiaomi and Huawei, NFC Times has learned, with at least five more device makers enabling service in one to two Chinese cities, or planning to do so.

Home

Worldwide Project Database

Australia

Australia Credit Union Gets First to the Starting Gate In Asia-Pac for...
Customers of Australia’s largest credit union, CUA. can make payments by downloading an HCE-enabled app from the Google Play store to their...

Russia

Russia: Bank Launches on Samsung Embedded Chips Following Delay
Customers of Russian Standard Bank can download a prepaid MasterCard PayPass application onto the embedded chips of two Samsung NFC models...

Canada

UPDATED: Canada: CIBC Expands NFC-Payments Service to All Three Major...
Canadian Imperial Bank of Commerce, or CIBC, was the first major bank in Canada to launch NFC payments, with telco Rogers, in late 2012.

United States

UPDATED: U.S.: Isis Reports Higher Activations after Six Months, but...
Isis launched nationwide in November following a two-city trial in Austin, Texas, and Salt Lake City, Utah, and has made NFC SIMs and Isis-...

Germany

Germany: Deutsche Telekom Launches Overdue NFC Wallet, Payments Service
Germany’s Deutsche Telekom finally launched its NFC-payments service and wallet, after mor

France

More French Banks Prepare for Commercial Launches of NFC Payments
Although separate projects, major French banks and telcos are all expected to commercialize NFC t

China

China Merchants Bank Launches Payment on Samsung Embedded Chips
China Merchants Bank, one of China’s largest commercial banks, enables customers to download its CMB mobile wallet on three Samsung NFC...
China: China Telecom Launches SIM-Based NFC Nationwide
China’s third largest mobile operator, China Telecom, has launched

Santiago

Chile: Telco, Bank Gear Up for NFC Payments Launch
The trial is being held with about 200 “friendly users,” according to Telefónica Chile. They would be able to tap to pay where MasterCard...

Taiwan

Taiwan: Operator and Bank Launch Trial as Prelude to Commercial...
The first Taiwanese banks have received approval from banking regulator to issue mobile credit cards on NFC SIM cards that can be...

Features Section

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.

Survey: NFC Trumps QR Codes and Beacons for Connecting to Nonpayments Applications in Stores

By: 
Kiona Smith-Strickland

NFC Times Exclusive Insight – Between two-thirds and three-quarters of U.S. consumers say they are interested in using NFC for nonpayment retail applications, according to a study funded by the NFC Forum by research firm Strategy Analytics.

Start-Up Takes on Apple Pay but Needs Help from Other OEMs

By: 
Dan Balaban

NFC Times Exclusive: While some high-volume U.S. merchants, such as McDonald’s, Subway and Walgreens accept Apple Pay, along with other NFC-payments services, a key weakness of these platforms is the low percentage of merchants in the U.S. where consumers can tap to pay with their phones.  

Zapp Plans September 2015 Launch for ACH-Based Mobile-Payments Service in UK

By: 
Kiona Smith-Strickland

NFC Times Exclusive: While Apple Pay has re-energized interest in bank-issued mobile credit and debit cards using secure elements in NFC phones, backers of decoupled debit and other automated clearing house-based mobile-payments schemes continue to gear up.