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So what are the big challenges for these systems? Security, privacy, and consumer trust, along with time-to-market and market adoption. You can probably see what I am aiming at here: If we had one mobile payments standard that covered all of the above, we would probably see faster market adoption.
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Android Pay will be available on more devices than Apple Pay and Samsung Pay combined, but, for the moment, it will have to deal with heterogeneous hardware. Apple Pay relies on a large and loyal consumer base running homogenous hardware.
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Looking at the feature set and market support, each platform – Android Pay, Apple Pay and Samsung Pay – has something going for it. Both HCE and SE have certain advantages, and you can check out this quick comparison for more info. For example, both rely on Host Card Emulation (HCE), while Apple Pay employs a Secure Element (SE) to protect sensitive information. However, Android Pay still shares some solutions used in Google Wallet. If you are familiar with Google Wallet, you probably know that it does not rely on tokenization. They rely on tokenization to eliminate sensitive data transfers. In many respects, Apple Pay, Android Pay, and Samsung Pay are similar the underlying idea is the same, the implementation is similar, and the goal is to enable virtually any consumer to use these services, which means they have to be fool proof or fail.
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The latest versions of Android, iOS, and Windows support biometric security as well, which should help. NFC integration took a while, bearing in mind that Google first deployed the technology into the good old Nexus S, which launched in late 2011. Google claims NFC is already present in about 70 percent of potentially compatible phones. Users will just need a phone running Android 4.4.x KitKat or later, along with Near Field Communication (NFC) support. In theory, it should enable the use of Samsung Pay on legacy point of sale (POS) devices, which were designed and deployed long before mobile payments became a reality.Īndroid Pay is launching in North America as we speak, and being vendor-agnostic, it should work on a majority of Android devices. This clever technology allows compatible Samsung phones to emit a magnetic field that simulates the swiping of a “magstrip” card, fooling the card reader into thinking a card was swiped. My favourite is Magnetic Secure Transmission (MST), which was integrated following the acquisition of LoopPay. Like Apple’s service, Samsung’s payment solution is limited to its own hardware, but it has a few neat tricks up its sleeve. Samsung fired back with the announcement of Samsung Pay during the Galaxy S6 launch event. Apple limited the initial rollout to North America, so it will be a while before users around the globe get a chance to pay for their coffee with their iPhone. Let’s start with a quick overview of the most promising mobile payments platforms out there.Īpple Pay hardly needs an introduction at this point, but I should note that it’s still the new kid on the block.
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However, since we are talking about money, I don’t think anyone expects a shortage of software developers eager to learn a few new tricks and get into this space. Needless to say, with each new opportunity, developers will have to face new challenges. Today, we will be taking a look at the future of mobile payments and emerging opportunities for developers. Apple, Google and Samsung are heavyweights and trendsetters, but that does not mean they are able to force banks, credit card companies, and merchants to play their game. Well, in order to make mobile payments a reality, tech companies have to jump through a number of technological and regulatory hoops, plus, they have to wait for various other industries to get in line, as well. The hardware is ready and software is not far behind, so what’s the hold up? Smartphones have turned into the Swiss Army knife of the tech world, enabling millions of people to take care of countless computing needs on the go, and mobile payments are another frontier.