The State of Mobile Payments

in 2015 André Stoorvogel, Head of Marketing

29th October 2015

About ◉  Software company, operational since 1993 ◉  >80 employees ◉  Initially managing data on chip cards ◉  Since 2007: loading and managing payment cards on mobile devices ◉  Banking customers worldwide

Breakthrough expected as early as 2007. What happened?

3 reasons that delayed adoption

1. Supported mobile NFC devices

2. Acceptance infrastructure

3. Getting card on the phone

1. Supported NFC devices

2. Acceptance infrastructure

1987 2012 2014

2. Acceptance infrastructure

0%  

10%  

20%  

30%  

40%  

50%  

60%  

70%  

80%  

90%  

100%  

Australia   Canada   Japan   Poland   The  Netherlands  

Contactless  acceptance  rate  2015  

3. Getting the card on the phone

NFC

SECURE ELEMENT

3. Getting the card on the phone: Host Card Emulation

NFC

SECURE ELEMENT

October 2013: Android 4.4 supports “Host Card Emulation”

Have all challenges been overcome?

1. Supported mobile NFC devices

2. Acceptance infrastructure

3. Getting card on the phone

?

Apple Pay

NFC

SECURE ELEMENT

September 2014: Apple adds NFC to iPhone 6 & launches Apple Pay

Apple / Android / Samsung

NFC

SECURE ELEMENT

Options for banks in 2015

Host Card Emulation

Thank you!

André Stoorvogel, a.stoorvogel@bellid.com