A whole world of services in the consumer’s pocket
Howev
companies ha
er, until the real boom in pa
ve found a niche in settings that credit cards ha
yments with mobile handsets takes place, the
is true of “micropa
ve yet to reach. This
it is not possible to pa
yments.” Mobile devices can play a key role in situations where
giv
parking area, while public tr
e an example, in Tarr
y using a card, but only in cash, which is often lacking. T
agona it is possible to purchase passes for the limited
o
ansportation users in Málaga can pay with an SMS.
There is still clearly a great deal of potential in technological terms for pa
using mobile devices. Companies like Philips
163
and Sony
164
yment
(Near Field Communication) chips. Although this system is not new
are looking at
, its no
NFC
lies in its implementation in mobile phones. It is based on r
velty
exchange, with no need for physical contact, although the maximum distances
adiofrequency data
are fiv
validate the purchase, bolsters its securit
e centimeters. This factor, combined with the need to enter a PIN code to
y.
Some companies in the United States are carrying out tests to implement this
pa
est of consumers in San Fr
yment system. For example,
ancisco in using their mobile handsets to pa
Visa
165
and Wells Fargo
166
measured the inter
y in shops
-
that accepted Visa’
163
Philips:
http://www.philips.es/.
rope, one of the most important of which w
s payWave. Other pilot projects are being carried out in Eu-
France
167
, Payez Mobile, which included 1,000 customers in 200 shops.
as launched in November 2007 in
1
http://www
64
Sony:
=odw_es_ES
.son
.
y.es/PageView.do?site Howev
165
Visa:
http://www.visa.es/.
sets adapted to NFC (Near Field Communication), a figure that will account for
er, forecasts suggest that in 2011 there will be 450 million mobile hand-
166
https://www
Wells Fargo:
.wellsfargo.com/.
in three mobile handsets will be equipped with NFC within three to fiv
30% of the mobile handsets sold that year (ABI Research)
168
. Furthermore, one
(Frost and Sullivan)
169
e years
167
Mobile Payments. But Mobile
NFC Technology Is Revitalizing
of 22 billion dollars will be gener
. This means that tr
ated in 2011 (Juniper R
ansactions with an appro
esearch)
170
ximate v
.
alue
Contactless Payments Face Huge
the “Contactless P
Adoption Hurdles. First document in
The barriers faced b
Benjamin Ensor, Alexander Hesse,
ayments” series. any other: security and the tr
y this new pa
ansa
yment system are the same as those affecting
ction cost remain the issues of greatest con
Michelle de Lussanet and Lauriane
Camus. April 2008.
cern to the consumer. In short, the operators, banks and pa
-
must cooperate to gradually reduce technological and product acceptance barri
yment companies
168
Enabled Cellular T
ABI Research. Ar
erminal F
ticle: “2011 NFC
orecast
-
ers, and to design profitable business models.
-
Downgr
http://www
aded to 450 Million Units.
.abiresearch.com/abiprdisp
”
lay.jsp?pressid=719.
5.3.4. P2P (person-to-person) payments
169
“Experience Near Field
NFC News. February 2008. Article:
A
Communication in Action at GSM
of one mobile phone sends money to another
P2P (person-to-person) payment is a method of pa
, so that the device acts as a means
yment by which the user
Mobile W
of performing the tr
http://www
Luncheon.
orld Congress 2008
” mobile P2P bank transfers
ansaction. There are three types of mobile P2P payments:
/nfc-forum-
.nfcnews.com/2008/02/05
at-gsm-world-congress.
170
son-to-person pa
bile P2P transfers
yment systems using mobile handsets.
. Many brands in centr
, mobile P2P top-up transfers
al Europe have recently launched per
and virtual mo-
-
October 2008. Article: “Los jóv
Tendencias de las comunicaciones.
son los que más usan la banca móvil.
enes
http://www.tendencias21.net/Los-
” Although the forecasts are not particularly promising, the greatest potential for
banca-mo
jovenes-son-los-que-mas-usan-la-
vil_a2224.html.
the use of this t
Cash remittances sent to emerging countries are increasing ev
ype of service could be in sending money to relativ
ery da
es abroad.
y. This is a
© 2008 Fundación de la Innovación Bankinter. All rights reserved.
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