183452 comments

• Comment Link Σάββατο, 18 Ιανουαρίου 2025 12:54 posted by Parimatch kep

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• Comment Link Σάββατο, 18 Ιανουαρίου 2025 12:54 posted by Pay69

  Cash AND cards to go the way of the cheque? Tech experts say payments by mobile will 'eliminate' both by 2020
  
  
  Phone chips will become main method of payment
  
  Users will pay via NFC ('near field') chips where they 'bump' mobiles on tills to pay
  
  65% of 1200 experts agreed with statement
  
  Poll includes experts from Google, Microsoft and Harvard
  
  By ROB WAUGH
  
  Published: 12:05 GMT, 18 April 2012 | Updated: 12:05 GMT, 18 April
  2012
  
  
  
  
  
  
  
  
  
  
  
  24
  
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  comments
  
  
  
  Payments via mobile systems such as NFC (near field communications) chips will
  overtake both cash AND cards by 2020, claims a new report
  
  The pennies in our pockets could soon be consigned to the history books
  - along with debit and credit cards.
  
  A poll of technology experts by America's Pew Internet Research
  centre found that most predicted that mobile-phone payments would have overtaken both cash AND cards by 2020.
  
  
  Of the 1200 experts polled, 65% thought that cash and cards would be nearly
  wiped out by 2020.
  
  The poll included Harvard experts as well as engineers from companies such as
  Google and Microsoft.
  
  The need for either cash or cards will be 'eliminated' by
  chips in mobile phones.
  
  In shops, people will 'bump' their phones against tills to pay - or
  simply pay online via apps.
  
  Many tech experts also believe that the new systems will be MORE secure.
  
  
  
  Google chief economist Hal Varian said, 'Two-factor authentication (secret number + physical device) is better than one-factor authentication, and
  smart phones seem to have a natural role here.'
  
  Microsoft  engineer Christian Huitema says, 'We have already witnessed the transition from
  cash to debit/credit cards. The electronic wallet
  is not much more than a ‘virtual card,' in which near-field
  wireless communication replaces the reading of a magnetic
  stripe.'
  
  
  
  
  
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  The poll, which included experts from Harvard and Google, expected that
  'near field communication' systems - where users 'bump' phones against tills to transfer funds, as well as online payments from phones, would have overtaken cash and cards in eight years time.
  
  
  
  
  Based on a technology known as near-field communication (NFC), Google Wallet allows
  users to store payment information in the cloud and pay for goods at participating retailers by tapping their phone at the
  point of purchase
  
  
  
  'Overall, a majority supported the scenario that by 2020 most people will have embraced and fully
  adopted the use of smart-device swiping for purchases they make, nearly eliminating the need for cash or credit cards,' says Pew, a respected technology think tank.
  
  
  'These experts feel that the explosive growth in the use of smartphones
  and other mobile devices, makes these systems an obvious choice to replace established
  modes of payment in day-to-day commerce.'
  
  The research found that the change is already happening - particularly in America, where phones using Google Wallet (a mobile payment system) and NFC payment chips
  are more common.
  
  A March 2012 Federal Reserve report found that 21% of mobile phone owners had used mobile banking services
  in the past year and that another 11% of mobile
  owners plan to use such services in the next 12 months.
  
  
  The study also found that some 12% of mobile phone owners have made payments—such
  as paying bills online or transferring money directly
  to another person's account—via their phones.
  
  In the developing world, the figures are even higher - 20% of Kenya's
  GDP is sent via text message every year using the
  country's M-Pesa system.
  
  In late 2011, Google launched Google Wallet
  in partnership with Citibank and MasterCard.
  
  Based on a technology known as near-field communication (NFC), Google Wallet allows users to store payment information in the cloud and pay for goods at participating retailers by tapping their
  phone at the point of purchase.
  
  Many analysts predict that Apple will announce its own virtual wallet
  service in the near future.
  
  
  
  
  
  
  
  Google
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• Comment Link Σάββατο, 18 Ιανουαρίου 2025 12:51 posted by index

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• Comment Link Σάββατο, 18 Ιανουαρίου 2025 12:48 posted by Spread the Word about Hussein Rakine and World of Smoke and Vape Today

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• Comment Link Σάββατο, 18 Ιανουαρίου 2025 12:48 posted by luckatron

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