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newsletter
3 March 2015
SUMMARY OF TOPICS:

Mobile and e/m-Commerce

Issuing

M&A

Regulation
www.pseconsulting.com
@PSEConsulting
+44 (0) 20 8891 6244
MOBILE and e/m-COMMERCE
Much of this week’s news has been generated by
the Mobile World Congress in Barcelona.
Visa announcements included:
The acquisition of TrialPay by Visa Inc.
http://tinyurl.com/pb2xytz
The Trialpay platform t connects merchants with
consumers through targeted promotions.
Visa Inc also announced it is supporting consumer
payments with the new Samsung Galaxy S6.
http://tinyurl.com/kp7bt7j
Users will be able to make secure Visa payments
with Samsung Pay, Samsung’s new payment
service scheduled to launch this summer. US
only. The Samsung challenge to Apple Pay will
work at both contactless-enabled and most
traditional POS as it incorporates LoopPay
technology.
Visa EU meanwhile put out a general message on
Android/HCE demos in Barcelona.
http://tinyurl.com/mg2r8ml
And that it is linking with Pizza Hut and Accenture
to develop ‘in-car purchase experiences’.
http://tinyurl.com/lqhah7k
The partnership is building a proof-of-concept
connected car to test mobile and online purchases
on the go based on Visa Checkout and
BLE/Beacon technology with embedded
connectivity.
MasterCard Surprises now live in 25 countries.
http://tinyurl.com/ncl3cgv
MasterCard is working with Kiip to power a
Priceless Surprises App and Mobile SDK that will
be launched soon.
It is to support Samsung Pay.
http://tinyurl.com/pem6l3r
The same message as for Visa re the Galaxy S6.
MC’s third annual Mobile Payments Study
indicates consumers are more comfortable with
using mobile for payment.
http://tinyurl.com/pqnfpx4
The research tracked 19.1 million global social
media posts across Twitter, Facebook, Instagram,
Forums, Weibo (CN), Google+ and YouTube
during 2014 that showed a change in both the
tone and focus of the social discussion.
It is partnering with Cubic Transportation
Systems to support its mobile ‘Next City’ platform.
http://tinyurl.com/qcu4jch
MasterPass will be integrated with Cubic’s
NextWave ticketing and journey planning app.
CaixaBank meanwhile is launching an app that
supports online banking transactions using voice
commands.
http://tinyurl.com/nnx6u8s
Users will be able to make balance enquiries and
transfers and locate branches and ATMs using
voice commands. Further biometrics features will
be added in the future.
MasterCard announcements included:
It is partnering with wagamama to introduce the
Qkr! app with MasterPass.
http://tinyurl.com/q9twz9r
The app will allow customers to pay their bill as
and when ready in 112 wagamama UK
restaurants. The app allows bill splitting.
© PSE Consulting
The Centre for Retail Research has published
research showing the key figures and trends for
retail e-commerce in eight European markets and
North America.
http://tinyurl.com/c3bmapk
Data is for retail only and excludes travel,
restaurants, tickets, transport, etc.
Infographic at http://tinyurl.com/nwwqdvp
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MOBILE and e/m-COMMERCE
(CONT)
PayPal has announced the acquisition of
Paydiant.
http://tinyurl.com/mu5hau4
Merchants can use Paydiant’s platform to create
their own branded wallets for mobile-in-store
payments and deliver loyalty and other offers to
consumers. Paydiant has provided the mobile
wallet platform for the US retailer MCX wallet.
In the UK, PayPal is adding NFC capability to
PayPal Here.
http://tinyurl.com/pbqbzha
Roll-out will start in the summer.
Ingenico’s latest mPOS solution enables NFC
acceptance of Apple Pay, MasterCard contactless
and Visa payWave.
http://tinyurl.com/prckaea
It claims it is the first audio-jack based PED in the
market that combines NFC/contactless and mag
stripe capability.
GoSwiff moves down a similar track with NFC
contactless solution.
http://tinyurl.com/o233zpb
Eika Bank in Norway is to launch the Eika mobile
wallet in June supported by Nets.
http://tinyurl.com/nkhauuk
The NFC-based solution, that uses the embedded
secure element eSE, will be initially available for
use by 100,000 potential customers of seven local
Norwegian banks using Samsung S6 phones
(which cuts things down a bit).
Bango announces launch of its Bango Grid.
http://tinyurl.com/o6y8mm3
Bango Grid provides a new and rapid way to
launch carrier billing for app developers globally.
A web-based service that centralises all the
necessary information, planning and management
tools for carrier billing.
© PSE Consulting
GSMA publishes the 2014 edition of its Mobile
Money State of the Industry.
http://tinyurl.com/nc398fg
255 mobile money services are now in operation
across 89 countries and are available in over 60%
of developing markets (80% in SSA).
Telefonica and Gemalto are to pilot mobile NFC
ticketing in Madrid for the city’s Transport
Authority.
http://tinyurl.com/kr88wk3
The app has been developed by Samsung
specifically for Galaxy smartphones.
PayPal has introduced PayPal Plus in Germany.
http://tinyurl.com/nfndzfb (PayPal German
Blog/Google translate)
Online purchasers can choose from four different
payment methods - PayPal, credit card, automatic
debt collection or invoice (coming later in 2015).
Intrum Justitia launches Klarna type services for
e-merchants in the Nordics.
http://tinyurl.com/mtovle9
The Avarda white label service is a JV with TF
Bank and will enable e-merchants to offer
purchasers payment on invoice or revolving credit.
OP Financial Group gives its Pivo mobile wallet
NFC.
http://tinyurl.com/m25a6w9
Stratos card to launch in US.
http://tinyurl.com/n9uuv3o
A wallet but one that loads everything on to a
physical card with an app. Issued on a
subscription basis from April
PayPal Investor Presentation by CEO Dan
Schulman at Morgan Stanley's Technology, Media
and Telecom conference.
http://tinyurl.com/noxgbjp
Transcript at http://tinyurl.com/nrydgx6
"Our vision for PayPal is to be the world's leading
open digital payments platform”.
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ISSUING
Citigroup and MasterCard have announced that
the companies are to work more closely in a new
and expanded 10-year agreement.
http://tinyurl.com/ovapk53
Citi says it will continue to work with other
networks, including on consumer co-brands and
commercial cards.
M&A
Wirecard is purchasing AirPlus’ Visa and
MasterCard acquiring business.
http://tinyurl.com/m6q97oo
Assignment of the relevant service agreements
will take place in H1/15.
REGULATION
European Parliament: 1st reading vote on MIFs
at next week’s plenary session.
The Payments Council has published its
response to HM Treasury’s Call for Evidence on
Data Sharing and Open Data in Banking.
The Payments Council is broadly supportive of the
Government’s wider aims to enhance the ability
for customers to share data with 3rd parties and to
improve outcomes through the publication of nonpersonal open data. This approach is also
generally in line with the legislative approach
being taken in Europe through PSD2, which is
seeking to regulate account information service
providers (AISPs) and payment initiation service
providers (PISPs).
http://tinyurl.com/ppn9jqn .
The RBA has announced a Review of Card
Payments Regulation and has issued a
consultative paper.
http://tinyurl.com/qb7mczm
The RBA is seeking views on card regulation and
discusses a number of possible options.
© PSE Consulting
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