hce infographic: what is host card emulation and why it matters
TRANSCRIPT
and why it mattersHOST CARD EMULATIONWhat is
Host Card Emulation (HCE) was introduced by Google as a feature of the new KitKat OS.
It was endorsed byVisa, MasterCard
It allows cards to be issued from the cloud andused for mobile payment transactions anywhere.
Why does it matter?
Visa
MasterCard
Ultimate consumer experience:pay anywhere with the apps you love and trust.
HCE gives banksfreedom to deploy
mobile payment systems everywhere.
Banking, merchantand other apps can
easily be enabled with mobile payments at
physical stores.
What’s in it for me?
Sources• Berg Insight: http://www.nfcworld.com/2012/06/07/316112/berg-86-percent-of-pos-terminals-in-north-america-will-accept-nfc-payments-by-2017/• eMarketer/US Census Bureau: http://www.emarketer.com/Article/Total-US-Retail-Sales-Top-3645-Trillion-2013-Outpace-GDP-Growth/1010756• IHS Research: http://www.nfcworld.com/2014/02/12/327790/two-three-phones-come-nfc-2018/• Juniper Research: http://www.nfcworld.com/2014/05/20/329241/juniper-predicts-1-5bn-mobile-wallets-2018/
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HCE powers NFC mobile payments at physical stores
275M
2013
1.2B
2018
200
400
600
800
1000
1200
Phon
es w
ith N
FC (m
illio
ns)
86% 38%78%
Europe Rest ofthe world
NorthAmerica
2 in 3 phones to come with NFC by 2018
86% of POS terminals in North America will accept
NFC payments by 2017
Source: Berg InsightSource: IHS Research
1.5 Billion mobile wallets to be in use by 2018
Source: Juniper Research
Source: eMarketer/US Census Bureau
of transactionshappen in the
real world
94% 6%total e-commerce
1%mobile commerce
(part of e-commerce)