Over the years, u.s. mobile wallet dream "doorstep" was just further pushes the way back. possible iPhone, took the form mobile wallet. Indeed, iPhone and the life of a large application store mobile wallet to bring is no sho-.
It is thin on iPhone form of colorful touch screen, it seemed well, can handle almost all. Transfer funds can pay the invoice, also shopping at Amazon, Digital coupon redemption, at Safeway member discount card images to scan. Certainly the iPhone has helped to create a handy mobile commerce.
[Occurs in two days after the American Red Cross 70000 $, devastating Haiti earthquake text messaging thanks to donations. Whether this was turning point in the mobile commerce?]
Americans are paper, plastic, ジョージコ famous explosive wallet, La, or throw a collapse of thick leather wallet famous trash bin would be started. But almost four years, since the debut of the iPhone mobile phone wallet yet you must tie.
Anywhere in cash delivery iPhone app today.
Once again, the mobile wallet rising hope apparition. Last month, Bloomberg AT & reports that are planning to venture Breakthrough Smartphone debit card T, Verizon Wireless and t-mobile USA credit to replace. Additional NFC, Center venture, near field communications chips or mobile devices.
Customers will need to identify the transaction on your mobile phone only on a wave of retail leaders. In order to pay for Discover Network through transaction processing, and talked about the Barclays, account management, Bank Bloomberg source.
There is like this can venture of mobile payments put spurs to the United States, and 1 replaces according to more than 100 million plastic visa, master card, and Bloomberg. On the other hand, Visa smart phones, the conversion technology, such as the payment device is committed to iPhone.
Somen Ganguly Altman Vilandrie & company
This mobile phone wallet away... seems once again. Do you have real time it? somen Ganguly, Altman Vilandrie & spoke to the principal of boutique consultancy to help company, wireless carriers, handset manufacturers, private equity firms, hedge funds, mobile e-commerce space, better decision making.
To him in the State of mobile e-commerce will be as follows.
In the birthplace of the United States, iPhone and Android is why is the mobile wallet?
Mobile Commerce-something that two typical mobile products industry is than the intersection of mobile and financial in this case mobile phone wallet-suddenly more complex.
You will need to partnerships between financial institutions, such as wireless carriers, handset manufacturers (common carriers are aligned), Bank or credit card company right. You must agree to obtain what share they came together, the things is how it works. Then you can deploy them [m commerce, service.
Coming from these companies and industries of the two very different positions. Decision was fighting people your control on. Your mobile phone to mobile wallet app Let's say you are. Who really owns the customer relationship? It is in struggle.
Many of the cashless initiative for this reason not progressed really beyond the trial stage. And other countries there is no longer in the United States and Europe.
Is not in front of the European countries, America?
My perspective is that challenges in Europe. Also be specific than the m-commerce test market has kept going. However, it is really not taking in much of Europe is off.
Countries that are at the forefront of the mobile wallet is in fact developing markets. They actually competitors competing mobile wallet is cash to others is not plastic credit card or debit card is. Is much less than the United States, Europe, the credit card business developed very well known.
U.s. consumer is a credit card, a simple value proposition.
[Sybase 365 CIO.com memoirs of outsourced mobile commerce, other countries in this year late adoption of m-commerce text message service not found]
In countries like Kenya and mobile penetration has grown very rapidly in India, have done also fixed phone technology efficiency mobile wallet. Because of the value proposition of security and safety is a major problem in these countries than alternative to cash safe mobile wallet is providing several ways to.
NFC, AT & tell us about the technology that is used in the joint venture company in T, Verizon, t-mobile.
Mid-2011, in the Court, and we will how you should look. Realistically, we probably only see real traction sometime 2012 or 2013.
NFC is the merchant need enough customers using the system of the device and you are interested. Merchants that may need to install a mobile solution users enough money. Add money to the chipset, mobile phone, putting on the other hand, you don't need most mobile phone vendors to place there, as long as it charges the value proposition is unclear.
Today March for different mobile wallet?
Today, how mobile wallet is "Hey, this is a new app, is a mobile wallet is your phone. Instantly gets everyone who downloaded mobile applications. It is new applications to all my bank accounts, it is secure, safe. In addition, credit card, credit card, NFC) such as's can be used as an alternative.
Five years ago to explain it is was not easy. iPhone uses my phone and easy-to-use interface has brought a comfort level for managing the life of people. Timing is mobile money solution from the perspective of the right mobile commerce, cashless or handset and network enablers.
We are really close?
That timing, must occur here: some place, at least some of the major players are, again, wireless carriers, payment or credit card issuer that, should be along the supply side and some major merchants.
Think from the perspective of end users think about the value proposition of the NFC. Slide my card with me now to my mobile phone, if the only thing different is that it adopted many wave mobile commerce for u.s. consumers are really different enough. But it is a credit card or debit card than rewarding if the good is not even comparable to the more is that use mobile phones rather than in some scenarios.
If you fall into place these two underlying technologies (bottlenecks little now) widely available is enough, can take advantage of the mobile phone network to allow transactions that happen soon, (if is) security elements grow curve of assumption and the end user to be-to you can start, it is good to.
We joke at the Conference is in the cashless always distance between the two years that has always. However, I think I now actually, or at least I hope so.
Describes networking Tom Kaneshige Apple and CIO.com. Run by Tom Twitter @ kaneshige. All Twitter @ CIOonline follow CIO.com. Please email Tom tkaneshige@cio.com.
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