Who will hold the global wallet service competition and consumer sci-fi? Mobile NFC is already over? ｜ Business + IT
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Who will hold the global wallet service competition and consumer sci-fi?
Is mobile NFC already over?
"Wallet service" is quietly sparking all over the world. Multiple functions such as coupons and points can be centrally managed on smartphones running Android and iOS, and users have high expectations. Google, MasterCard, Visa, etc. have already developed some commercial services, which are being followed by start-up companies such as Paypal and square. Paypal CEO David Marcus predicts that "mobile payments using NFC technology will gradually come to an end," spreading ripples within the industry. Meanwhile, JCB (JCB), the only international brand in Japan, started a demonstration experiment of a "mobile wallet" type service in 2013. This time, I would like to introduce the "wallet service" that is spreading all over the world.
TI Planning CEO Takashi Ikeya
TI Planning CEO Takashi Ikeya
After working as an editor, he was involved in magazine editing, planning, seminars, exhibitions, etc. at the publisher of card industry magazines. He oversees guidebook production for electronic payments, PCI DSS / card security, IC cards, IC tags, etc. In November 2009, marketing, card / electronic payment, IT / communication service consulting, research report / book publishing, seminar management, portal sites "payment navi", "PAYMENT WORLD", etc. Established TI Planning, which handles services.
The wallet service is a service that can consolidate various functions such as points, coupons, and payments (credit, prepaid, debit) into one application on a smartphone. For example, the store side uses the point service to fix customers, distributes coupons according to the purchase history of users, and users can receive discounts using coupons at the same time as payment. In addition, services can be linked and deployed. In January 2013, JCB conducted a demonstration experiment of a "mobile wallet" type service to improve convenience by providing points, coupons, etc. using smartphones. In the Omotesando area where the company's head office is located, we are verifying actual usability, such as converting points to coupons, providing preferential information for member stores, and exchanging value within the wallet service between users. First of all, it is operated as a closed experiment centered on JCB employees. In the experiment, multiple points and coupons are set virtually. Experiment participants can freely select their favorite functions. It is also possible to exchange points for coupons and use them. Participants in the experiment can receive the service by holding the smartphone over the NFC tag attached near the POS cash register of the store and showing the coupon displayed on the screen of the smartphone to the clerk. In the future, JCB will promote feasibility (verification of feasibility) and service design from the perspective of users, affiliated stores, and introduction businesses based on the results of demonstration experiments, strengthen content and functions, and connect them to actual operation. It is a policy to go. In addition, Type A / B-based NFC contactless payment and "QUICPay", a postpaid payment promoted by the company, will be carefully considered while keeping an eye on market trends.Related article▲ Close ▼ Show all
On the other hand, from a global perspective, some companies have already started commercial services. MasterCard has announced the rollout of "PayPass Wallet" worldwide and has already rolled out in some areas. This is a service that includes "NFC PayPass" that supports payments at physical stores and "PayPass Online" that supports online payments, and it is possible to use both real and online payments with one wallet. In addition to MasterCard, American Express, Visa and Diners Club brands are also available. Currently, the service is being developed as "Smart Wallet" in four countries around the world as an Internet use-first type and in Singapore as a real use-first type. The service was launched by his carrier, Starhub, along with banks "DBS", MasterCard, and railroad "EZ-Link," and is also backed by the Singaporean government. On the other hand, Visa is also developing the "V.me" service, and BBVA Compass, PNC, TCF Bank, etc. are already partners in the United States, and the company is aiming to spread the service in the United Kingdom as well. In the United States, the trend of "ISIS", a joint venture established by Verizon, AT & T, and T-MOBILE, is drawing attention. In October 2012, ISIS started a commercial trial using NFC technology in two cities, Austin and Salt Lake City. However, there are not so many participating member stores, and the types of cards that can be used are limited. In addition, the evaluation from users who used the app on "Google Play" is also severe. When the user makes a payment, it is necessary to enter a 4-digit PIN after starting the smartphone application, so it seems that it will take time to pay. "Google Wallet" has been in service since May 2010 using NFC technology. Google is trying to popularize it by making it possible to purchase web contents using registered credit cards and debit cards, and making it possible to use services with cards other than the MasterCard brand, but it seems that it is struggling. Is undeniable. [Next page] Mobile payments using NFC technology are gradually ending! ??To List
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