ePayments Week: Who will deliver swipe-and-pay first?
Here's what caught my attention in the payment space this week.
Swipe-and-pay comethThe coming ease of swiping and paying with your smartphone seems like an inevitability at this point, but there was some interesting speculation this week about who would bring it to us first and what the value would be. Forbes columnist Elizabeth Woyke reported that Isis' CEO Michael Abbott continues to expand the company's "mobile wallet" program , inviting Apple , Google, and Sprint into the big-tent effort. When Isis was announced last autumn it was a joint venture by telecoms AT&T, Verizon and T-Mobile that was paired with Discover Card and Barclays bank. Since then it's sought to open up and broaden its base. No word yet from Apple and Google, but their joining the effort seems unlikely since both are pursuing their own NFC solutions.
Once we gain the ability to swipe and pay with our phones, what will that change? Matthew Talbot, a senior vice president for mCommerce with Sybase365, notes in a blog post this week that the technology to swipe using a credit card has been around for a while, and he wonders how much more convenient swiping with a phone will be:
And that's the key driver, in my opinion. While it was difficult to demonstrate value to a merchant of pushing the credit-card-swiping technology, the benefits of connecting with a user's mobile phone -- from identify confirmation to follow-up with text coupons -- are a clearer incentive.
This week there are rumors that Apple itself might be one of the first retailers to try to make good on this opportunity. The web is buzzing about secret meetings at Apple's retail stores and plans for the unveiling of ... something. Mashable wondered if it might be a switch from employees selling on iPhones to selling on iPad 2s , while Fast Company speculated that it might be the installation of NFC-capable terminals .
Mobile banking surges (almost) everywhereGlobal use of mobile banking grew rapidly over the past year, more than doubling in some key emerging markets like China and Brazil, according to research from TNS . Even in more established markets like the US, UK, Singapore, South Korea, and Sweden, uptake was high, spurred by financial institutions offering mobile banking and improvements by those who were already doing so, the report says.
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Columbia Banking, the $4.3 billion lender based in Tacoma, Washington, purchased Summit Banking Co., and CertusBank bought Macon-based Atlantic Southern Bank and First Georgia Banking Co., of Franklin, according to statements yesterday on the Federal
TNS highlighted the prediction that mobile banking will leapfrog current technologies in some emerging markets, just as communications have where many people's first phones were mobiles: [I]n more mature markets, mobile banking is simply a matter of
The bank, known for having more tech savvy customers, says that half of its Silver Surfers use its internet banking service, only 10% less that those under 55. However, the direct bank's text message banking service which sends statement updates to
Banking: First Direct retained its crown in the banking sector having also led the 2010 benchmark. Once again it was the clear winner ahead of eight other banks in the study: Barclays, Halifax, HSBC, Lloyds TSB, Nationwide, NatWest, RBS and Santander.
Online and telephone bank first direct says its over 55's are bucking the national trend, as National Silver Surfer week highlights that as many as 1 in 5 people aged 55-64 have never used the internet. The bank, known for having more tech savvy
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First direct's over 55s buck the Silver Surfer trend but are slow to catch on to m-banking 
RT : HSBC joins First Direct, RBS and Barclays with the launch of mobile bank apps, although the latter two products... 
HSBC joins First Direct, RBS and Barclays with the launch of mobile bank apps, although the latter two products... 
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