芯片和手机将改变美国人购物
作者： JSResearch
责任编辑： 阚智
来源： 《电脑商情报》
时间： 2007-06-29 04:35
Contactless cards and mobile phones will work together to change the way everyday Americans and retailers conduct purchase transactions, according to forecast on mobile payment technologies by Javelin Strategy and Research. The analysts say that putting special computer chips into mobile phones will introduce electronic payments capability to a larger number of consumers -- 30 million additional users over the next five years. This new set-up will replace today's cards and readers based on magnetic stripes.
This will build on today’s mostly "closed loop" contactless payments, which are already being adopted for functions such as tolls and mass transit. Javelin identifies the need for networks and issuers to motivate wireless carriers to support mobile proximity payments, in order to conveniently bring advanced payments capabilities into the mainstream.
According to Javelin President and founder, James Van Dyke, "Banks and technology companies are working hard to make contactless cards available now, but contactless in card form is an insignificant train stop en route to the important destination of mobile payments. Bottom line, Javelin believes that these two separate business initiatives (contactless cards and mobile payments) must merge into one now, in order to make both a reality."
Within the new report, Javelin identifies carrier revenue models for contactless implementation in order to spur carrier interest. Mobile payment platforms, consumer in-store cards and electronic payments growth are dependent on the continued availability of higher-functioning handsets. These handsets will provide further motivation for merchants to accept contactless and will allow consumers to adopt technology that replaces wallets with cell phones (so-called mWallets or Wireless Wallets). As consumers begin to utilize their handsets for financial activity, financial institutions will be able to engage in more real-time, two-way communications with account holders.
Said Javelin senior analyst Bruce Cundiff, "When making a purchase with this combined function, consumers will no longer need to fumble past a phone when looking for a wallet, and the card-less payment phone can be found or even turned off by making a simple phone call."
Mobile payments will ultimately allow more consumers to conveniently and rapidly make purchases electronically, rather than through slow and inconvenient methods. This dynamic evolution away from card, cash, and check payments comes at a pivotal time, with many top US payments firms currently involved in major changes to their equity structure.
This will build on today’s mostly "closed loop" contactless payments, which are already being adopted for functions such as tolls and mass transit. Javelin identifies the need for networks and issuers to motivate wireless carriers to support mobile proximity payments, in order to conveniently bring advanced payments capabilities into the mainstream.
According to Javelin President and founder, James Van Dyke, "Banks and technology companies are working hard to make contactless cards available now, but contactless in card form is an insignificant train stop en route to the important destination of mobile payments. Bottom line, Javelin believes that these two separate business initiatives (contactless cards and mobile payments) must merge into one now, in order to make both a reality."
Within the new report, Javelin identifies carrier revenue models for contactless implementation in order to spur carrier interest. Mobile payment platforms, consumer in-store cards and electronic payments growth are dependent on the continued availability of higher-functioning handsets. These handsets will provide further motivation for merchants to accept contactless and will allow consumers to adopt technology that replaces wallets with cell phones (so-called mWallets or Wireless Wallets). As consumers begin to utilize their handsets for financial activity, financial institutions will be able to engage in more real-time, two-way communications with account holders.
Said Javelin senior analyst Bruce Cundiff, "When making a purchase with this combined function, consumers will no longer need to fumble past a phone when looking for a wallet, and the card-less payment phone can be found or even turned off by making a simple phone call."
Mobile payments will ultimately allow more consumers to conveniently and rapidly make purchases electronically, rather than through slow and inconvenient methods. This dynamic evolution away from card, cash, and check payments comes at a pivotal time, with many top US payments firms currently involved in major changes to their equity structure.
