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Re: An analyst's view of the payment industry

From: Stephane Boyera <boyera@w3.org>
Date: Fri, 31 Jan 2014 08:17:00 +0100
Message-ID: <52EB4DEC.3060408@w3.org>
To: Web Payments CG <public-webpayments@w3.org>
I don't know the amount of credit we can give to this analyst/article, 
but the only point I know well, point 6 "Carrier billing is going to 
explode in emerging markets." is totally wrong.
In markets where usually more than 95% of mobile subscriptions are 
pre-paid, carrier billing is a non-sense. Moreover, the trend and 
investment is in mobile money which is a very different model.
So yes, emerging markets will not sure CC for payment, but mobile money.

Le 30/01/2014 11:18, Anders Rundgren a écrit :
> http://think-banking.org/thinknew/index.php/510-our-10-boldest-predictions-for-the-digital-payments-industry-in-2014
> I'm personally unconvinced that NFC is dead.  It is the idea that operators will replace banks which died.
> An "untangled" NFC such as featured in Android "KitKat" may revitalize the NFC.
> Wallets is another strange thing.  To me a wallet is a device/function holding payment objects.  Converting the holder into a business seems like an awfully crummy scheme.
> Well, physical wallets cost a few bucks but a SW counterpart is just a bunch of bytes and shouldn't cost anything.
> OTOH, the only thing we know about predicting the future, is that it has proven to be impossible.
> But we all try, don't we? :-)
> Anders

Stephane Boyera        stephane@w3.org
W3C                +33 (0) 6 73 84 87 27
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Received on Friday, 31 January 2014 07:17:27 UTC

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